WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get a new car and when I was turned down I pulled my credit report, and I was furious! I have no knowledge of the debt that is listed and I have become very upset! Please help me, These accounts are not mine, I have tried to get all these accounts removed and have been unsuccessful! Please help me!! Remove these accounts please! XXXX XXXX is not my debt, I have no knowledge of this account! XXXX XXXX XXXX, I have no knowledge of this debt, it is not mine! There are two student loans reporting from XXXX XXXX XXXX Asst Authorization. These are not mine, I have never been to or attended a college!. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are also reporting on my account and they are not mine either! There are 4 accounts that are closed! They are XXXX XXXX XXXX ( which is reporting twice! ) XXXX/ XXXX, and XXXX XXXX !! Remove these accounts! It should not be legal to report these accounts and I have informed these companies that these accounts are not mine! I have a load of inquiries that need to be removed as well, because they are in authorized! XXXX XXXX XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX/XXXX-unauthorized XXXX XXXX XXXX- unauthorized XXXX unauthorized XXXX unauthorized XXXX XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX- unauthorized XXXX- unauthorized XXXX XXXX XXXXXXXX unauthorized XXXX XXXX- unauthorized Please remove these accounts!! I am furious and ready to take action because these accounts are reporting and do not belong to me!!
American Express and XXXX XXXX have multiple inquires on my account that I did not authorize.
I am getting constantly harassed by a collection agency from the number XXXX, they have even contacted my ex wife who I have been divorced from 20 years ago. This has to stop! 

XXXX XXXX
In XXXX of 2016 I found out I was the victim of identity theft and my accounts with USAA Federal Savings Bank had been compromised. The identity thief was able to gain access to my accounts through USAA.com and hijack my online profile. The method used was via telephone at first and once they gained access to my online profile they completely took over my account, changing passwords and possibly PIN numbers. They transferred all the money from my savings account ( ~ {$1200.00} ) to my checking account and then proceeded to withdraw via ATM card money from my checking account in the amounts of {$400.00} ( {$3.00} ATM fee ) until my account was empty. They then purchased money orders from XXXX XXXX in the amount {$1.00} and passed them off as {$1000.00} money orders to deposit them into my checking account via USAA mobile deposit. USAA allowed the deposits and that money was made available and subsequently withdrawn from my checking account. I informed USAA FSB that I was on travel to the XXXX XXXX and I did not authorize anyone to make transactions on my behalf. USAA investigated the fraud and promised they would get this all straightened out and restore my accounts. A week and a half later I contacted USAA to find out the status of the investigation and was told that USAA believes I participated in a scam and they will not be refunding the money I have lost. I filed a police report with the XXXX Police Department, I filed reports with identitytheft.gov, the FBI, the Federal Trade Commission and hired an attorney. USAA, 8 months later, still will not cooperate with my local police department or any of the other offices I have filed reports with and would not respond to my attorney. The Fraud Analyst at USAA XXXX XXXX, stands by her decision every time I request that USAA revisit my claim. I have provided proof that I was not in town at the time the theft occurred and XXXX XXXX stated that I could have " doctored '' that documentation as well as mastermind this scheme. The detective I am working with has also voiced her frustration with XXXX XXXX as she started working with the detective and then stopped returning the detectives phone calls and would not provide the information needed to track down a suspect. The detective was able to get a picture and a description of the person responsible for purchasing the money orders, but the detective has been unable to get a name. I have spoken to XXXX XXXX once and she was adamant that I am responsible for this scam. I asked for evidence, are there voice recordings from phone calls, call records, IP addresses from the mobile deposits. XXXX XXXX says it was all me ( the victim ) and she believes she made the right decision. I need USAA to really investigate this with someone who can look at this forensically such as ; review the call records, are the voice recordings still existent, review the internet transactions and IP addresses, and finally who is changing my profile information and when those changes were made. I will be glad to share my records with USAA if they would listen.
UPON INVESTIGATION, IT HAS COME TO MY ATTENTION SEVERAL LISTED BELOW DEBT COLLECTORS HAVE REPORTED NEGATIVE ACCOUNTS ON MY CREDIT REPORT ALL WHILE NOT BEING LICENSED IN THE STATE OF TEXAS NOR COVERED BY A BOND TO DO SO LISTED BELOW ARE THE CREDITORS CAUSING HARM TO MY CREDIT REPORT WITHOUT ACCURATE RIGHT TO DO SO : XXXX XXXX XXXX ( TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
I thought utilizing ace check cashing service would have directly with avoided the exact dilemma that ace is imposing on me and my credit now. Apparently paying a huge check cashing fee, ( I only got approx 80 $ ) as well as other membership fees are all for nothing - because now ace is telling me a check they confirmed and cashed for me as well as charged me for, was not good? And now I owe ace the original check cashing fee, ( 12-15 $ ) the amount of the check, ( approx100 $ ) another fee as well ( XXXX $ ) and a returned fee. ( XXXX $ ) All this totals up to many more dollars than I ever even received from ace after I used their services approx three months ago. Now two months ago they claim I owe them many more dollars than they ever gave me after using their services, and finally a month ago they stick it on and attempt to ruion my credit report
I received a letter from this company demanding payment for a debt that I do not owe them. To my knowledge I have never entered into a legal binding contract with this company and they have never provided me with any good or services. I believe them to be nothing more than a debt buyer
This Number calls and says they have a pending legal matter in there office that is being processed and would be served to me if no response. They fail to mention this is a attempt to collect a debt and threating charges to be filed against me. They called my parents house and spoke with them telling them that charges are gon na be filled in there office if I do n't pay or contact them. Now they started calling my number asking for a different person. I assume this is a tactic to get me to call back to be taken off there list then ask well what is your name. XXXX is the number they tell me to call back to but they are calling from a local number.
I wrote to Ally Bank on XXXX XXXX to provide me account verification letter. Made few follows ups by email and chat. Since last 3 days - i have made four phone calls. In all spent close to 3.5 hours for this but have got nothing from them except plain assurances. Today morning - i was told that i will be getting it within 3 hours. nothing happened. Then called them during evening - they said may be tomorrow. Good amount of hold/wait time and inconvenience. I know ally is web bank - but these kind of stuff - it 's very difficult to deal with this bank. Has it been any bank with branch-this could be done in less than 30 minutes.
I had know ideal I had this account with XXXX XXXX  Whom the sellers are XXXX Bank. Until I seen it on my credit and a notice of payment. I then contacted XXXX Bank XXXX Bank informed me they had turned it over to Portfolio Recovery I need to get in contact with Portfolio Recovery Associates I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. Portfolio Recovery sent me some documents showing what was purchase. I explained to Portfolio Recovery, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, Portfolio Recover Associates stop pursuing payment but will not release it off my credit.
In XX/XX/XXXX I was going to bank of America to withdraw my money it was on a friday when I noticed it only had a few hundred on it. I then drove back to my job because i thought i did not get paid all of my money but no one from downtown who handles payroll was there due to holidays .Thats when I asked one of my coworkers werent we suppose to have gotten payed today they stated we got payed the day before which i did not know but that still doesnt explain why I did not see the amount I saw on my paystub.So I called the bank of america hotline and thats when they stated I removed {$720.00} dollars using XXXX at first I thought it was a city, so I searched XXXX.First I asked Bank of America to cancel the card and any thing that look unnormal, on the card was still the 300 and something dollars from when i got paid .Thats when I saw XXXX by the name while I was searching and then I noticed messages I did not send and it was from someone in XXXX asking XXXX to send it to the address they posted for XXXX .I then quickly saw that the order had not been processed so I messaged the XXXX   person/people to cancel the order that was not XXXX XXXX that made the purchase and I noticed another order for some head phones and canceled those as well .I copied the address, page, the items, and everything with the claim number on it and faxed it to Bank of America and showed them the fraudulant act .After I then filed a police report and filed an identity theft report as well .I faxed the police report to them and Bank of America stated it looks like you were the one who ordered it because of my information on my XXXX account my name my address and info .As I was told by Bank of America if there is no name to go by there is nothing else that they can do, so they charged me XXXX after they credited me the money, because they had no one to go by .Thats when I tried to go to XXXX and open a bank account, so that I can finish the dispute with Bank of America with out using their service due to how I was treated and to take further actions and also to build credit.Thats when XXXX stated that my social security number had an account with them but not my name and was made in XX/XX/XXXX, so they gave me an Identity theft packet to go threw and procedures and I completed it.So Im trying to figure out a way to just get my money back that was stolen from me using XXXX on XXXX threw a Bank of America paycard that was not even connected to my XXXX account.
I have never heard of this debt I was not contacted by the collection agency nor by the company that sent the debt to collection.
To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by XXXX XXXX. I don't recognize this inquiry nor have I applied to any service of such type this year.

XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX load on XX/XX/XXXX.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

XXXX XXXX
My credit card was used with out my knowledge or authorization by my XXXX year old son. 
I had previously bought online gaming for him. And I did not realize the credit card information was stored on the computer. My son did n't understand he was using my credit card. There are multiple and duplicate transactions that if you were to look at my statement anyone could realize something was n't right. 
According to my credit card contract I have zero liability for transactions made with outmy authorization. However I was told in writing that I am responsible and its not considered " fraud ''. I never said it was fraud, its " unauthorized transactions '' I believe this wording of theirs is what is protecting them and not me as in my contract with them. 
Please advise, XXXX
This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.
I have contacted XXXX several time about removing fraudulent information from my credit report. They are quick to update any and every thing that is given to them but take there sweet time and make you jump thru hoops to correct any false information. 

I am a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
I went into my credit union to get a replacement card and they asked if i was interested in refinancing my car. They worked the numbers up after getting the final payoff amount from XXXX XXXX and I saved {$200.00} a month. I agreed to the new loan, they issued the payoff check and I sent it to XXXX XXXX. I just moved house and had not received anything from XXXX XXXX so checked online and found out there was still {$5000.00} owing on the car - the credit union issued the check at {$5000.00} less than the payoff. I immediately call them and they tell me they can see where their agent made the mistake and I could either recall the payment from XXXX XXXX and stick with the original loan, add {$5000.00} to my current loan increasing the payment by {$100.00} more than what they quoted me and adding another year to what I originally had or they would give me the original terms and save {$30.00}. I told them they needed to fix it as I am now required to make a payment on the original XXXX XXXX loan and with their loan, I now have a car payment of nearly {$900.00} instead of {$390.00} which is what they quoted and agreed to. I asked them to contact the original rep and have her fix it and they said no, would have to drive from new york where i now live to va - XXXX hours away and go into the branch. The phone agent was nice, the supervisor was awful and told me it was my own fault for not checking with XXXX XXXX sooner. 
I explained that i had XXXX, left my husband and had to move my house and business all in a 3 week span and she was not being very helpful. They can see in their system what the correct payoff amount was and that their agent clearly made a mistake and she refused to do anything and again told me it was my fault that I did not check with XXXX XXXX sooner. I was clearly mislead into this loan and they are trying to make me pay more than the terms that were laid out
I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX
XXXX XXXX XXXX continuously failed to report payments made on time to Equifax, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus
XX/XX/XXXX To Whom It May Concern : I 'm writing to dispute a derogatory event on my credit report which should be removed. AES ( American Education Services - Account XXXX ) erroneously stopped withdrawing payment from my account and never notified me of this occurrence. I was led to believe the debt had been paid. I had paid {$58.00} for 9 years, never missing a single payment. For some unknown reason, AES stopped taking out payment on XX/XX/XXXX and never contacted me. They closed the account with credit bureaus saying closed and complete, Then, I received a notice saying I was several months delinquent in payment and they had notified the credit bureaus. This is a mistake on the part of AES and they have indicated they would rectify this situation with you directly. However, it appears they have not done so for the full duration of the issue at hand. They were supposed to suspend delinquency reporting until the full situation was resolved - both with the credit agencies and the account status overall. Again, they did not do as they had promised through my various communications with them. As a result, I am following up with you now to have this derogatory event taken off my credit report. Below are my specific contact details as well as a timeline of the events. 

Please feel free to contact me at XXXX or XXXX. I look forward to hearing from you to resolve this issue. 

Regards, XXXX Personal contact details : Name : XXXX DOB : XX/XX/XXXX SS # : XXXX Current Mailing : XXXX, XXXX, XXXX XXXX Previous Mailing : XXXX, XXXX, XXXX XXXX Page 1 of 2 XXXX - Derogatory Credit Event dispute - continued Timeline of events : XX/XX/XXXX - I called AES after receiving notice from XXXX that I had an account 90 days late. I was never given notification of this issue or reason they stopped taking out the funds from my account - which has not changed in years. I was on this call for ~2 hours, speaking with XXXX and then XXXX . He did some research called me and then advised he would call me back. 


XX/XX/XXXX - XXXX calls back and says my account was put in review and suspended all " collection calls '' and admitted AES had made a mistake and would correct it with the credit agencies. 

XX/XX/XXXX - after many attempts I finally reached XXXX again, explained the situation another time and he again assured me the matter would be taken care of. I never hear from him again. 

XX/XX/XXXX - I receive a call from XXXX of AES. I explained the situation another time. He spent 20 minutes reviewing my account. His employee ID is XXXX. He assured me they would handle this matter. Nothing was ever done. 

XX/XX/XXXX - I reach out again to AES and this time speak with XXXX, explaining the situation again. She advised I would receive a note saying the derogatory event would be taken off all of my credit reports. I 've attached the note I received but again, nothing was ever done. 

I waited patiently for action to be taken but nothing happens. 

XX/XX/XXXX - I reach out directly to all credit agencies to dispute this issue I have also started the process of retaining a Lawyer.
I have been having a major problem with XXXX XXXX Prepaid Card taking money from my account not wanting to replace it back nor show me no proof of wats going on. I had to link debit card to my bank account to get statements and transaction history they have caused me to loose lots of money after contacting them multiple calls recorded and all they still attempt to let whoever unauthorize my account with multiple cards stealing money I have asked for my money to be sent back check form and account closed. The representatives supervisors and all are very rude very bad language no help at all total disgrace.. ok I 'm filing this complaint bc I know if it does n't feel good to me it do n't to others and no one should have to worry about their money if loaded on a card it being stolen each month.. But the most serious thing that got my attention was they paid a insurance company like it was me XXXX so when speaking to the letting them know I did n't set up the account they cancelled account and willing to refund money XXXX XXXX still have n't no given me that!!! Actions need to be taking asap I have police reports and all u can contact me XXXX XXXX at XXXX email XXXXXXXXXXXX are at my address XXXX XXXX XXXX XXXX Texas XXXX Thanks
A merchant credited my account for services that they did not provide. The credit appeared on my account. On XX/XX/XXXX American Express issued a refund check for the credit and posted it to my account resulting in a XXXX  balance. On XX/XX/XXXX they posted the same refund for a second time resulting in a positive balance. On 7 separate occasions I have contacted American Express asking that they correct the problem from the duplicated credit to my account. on each of those 7 occasions American express told me they would correct the problem and that a XXXX balance would be on my account. They have yet to correct the problem. they have now started to charge late fees and have started calling me on my home phone. Each time they admit their mistake and remove the late fees admitting they have made a mistake, but have yet to correct their original mistake.
Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.