WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used to obtain medical services without her consent. Someone living in the state of XXXX used her information in XX/XX/XXXX to obtain services with local providers for medical services not known to my client. My client at one time did live in the state of XXXX however moved in XX/XX/XXXX to XXXX. BC Services was listed on her XXXX  credit report as a debt collector. We provided a debt validation request letter to BC Service in effort to have them verify the information on the credit report. BC Service sent back account information to which my client sent an official dispute of ID theft with police report, PII and FTC affidavit naming BC Services and the related debt as an issue of true named fraud XX/XX/XXXX. On XX/XX/XXXX BC Servcies mailed my client ANOTHER letter stating they have already provided debt validation, BC Services FAILED to review the dispute information provided and by sending this communication ( concerning payment of debt ) have violated the FDCPA and the FCRA.
I have tried multiple times to dispute fraudulent and incorrect information on my report with Experian. Experian claims to never receive the documentation I mail to them, and denies all responsibility for investigating- claiming they need documents. They have started refusing to investigate disputes- which is a violation of my TX state and federal rights as a consumer. I have plenty of documentation to support my identity theft and that these accounts do not belong to me! 

I have called on multiple occasions and spoke with customer service, only to be told they no longer use fax, and to upload the documents online. Yet, Experian has locked me out of the ability to view or dispute information on my report online, and has also locked me out of the online document upload function. 

I am an identity theft victim, and have piles of documents to justify deletion and/or correction on the accounts I have been attempting to dispute. Experian is the only bureau that has repeatedly blocked me or locked me out from being able to dispute. I have not encountered this level of difficulty with ANY OTHER BUREAU! 

Again, I HAVE DOCUMENTATION TO SUPPORT MY DISPUTES. So much so, that even the original creditors have begun sending me letters explaining in detail that accounts had been opened fraudulently! Experian refuses to accept any of it, and claims to continue " losing '' or " not receiving '' my certified letters. If I ca n't reliably send this in my mail, how am i supposed to dispute this?? Experian has locked me out of every available option after I called explaining my trouble with this to customer service!
Experian continues to list a XXXX credit card account on my credit report in violation of the 7 year reporting rule established by the Fair Credit Reporting Act ; last payment on this account was made in XXXX 2008 and the current payment status reported by Experian is " Past Due 180 days '' ; I have disputed this account both with the credit reporting agencies and XXXX directly ; XXXX and XXXX correctly removed the account from my credit reports, but Experian did not ; the fact that it was removed by XXXX and XXXX by not Experian tells me that the erroneous reporting is the fault of Experian and not XXXX
In XXXX, our loan was sold to Roundpoint. At the time, the loan had double charged me on my insurance bringing my mortgage from {$1500.00} to {$1800.00}. XXXX ( # XXXX ) paid my insurance late and was given a cancelation notice and despite receiving a reinstall letter and assurances that I never lost coverage, they decided to apply their own insurance when they sold my mortgage, hence the cost. Eventually, Roundpoint got the refund and this was put into my account. On XX/XX/XXXX, I paid the difference which was supposed to clear my account ( XXXX ). The amount paid was {$2100.00} which cleared XXXX and XXXX. On XX/XX/XXXX, I paid my usual amount {$1500.00} which is supposed to be for XXXX On XX/XX/XXXX, I got a phone call in which I was told I owed {$300.00} something and I explained that the extra escrow amount was for a double insurance, that a new escrow estimate was done and all of this was supposed to be resolved. Once again, I was told that this was going to be fixed and my loan was up to date. Today, I got another call and once again I was told that the {$1500.00} I made wasn't enough and after going thru this once again, I was assured that this was going to be cleared by XX/XX/XXXX. PLEASE can someone get Roundpoint to fix their system? I am afraid that this will affect my credit rating, not to mention, all the time I have spent with this issue.
I purchased a home on XX/XX/XXXX, through The Home Lending Group, located at XXXX XXXX XXXX, XXXX, MS XXXX, contact number XXXX. I was contacted by XXXX XXXX, contact number XXXX, regarding the fact that they were having difficulty in selling my loan to XXXX XXXX. They advised me to have modifications made to my homeowners insurance policy to meet the criteria that XXXX XXXX   required. This would increase my monthly mortgage payment by {$70.00} per month. However, once I advised them to send me that request in writing they advised me that they had been able to have XXXX XXXX  to make an exception in my case! At that point I was called by another representative and asked to make my mortgage payment that day XX/XX/XXXX because XXXX XXXX  wouldn't be able to buy the loan until I made the payment which is documented as {$740.00}. I have paid this mortgage amount for the last two months and I have received a statement from XXXX stating that my mortgage payment is now {$770.00} and will be {$780.00} monthly for XXXX. While the amounts are small I do not understand how my mortgage payment can change during the first year. Additionally, the Home Lending Group is the most unprofessional mortgage company I have had the misfortune of dealing with, the incompetence was and is astonishing.
I XXXX DISPUTED AN ACCOUNT WITH DISCOVER THAT WAS ON MY CREDIT REPORT. I FIRST LEARNED ABOUT THE MATTER WHEN I RECEIVED A LETTER FROM AN ATTORNEY 'S OFFICE THREATENING ME WITH A LAWSUIT XXXX ATTORNEY IN XXXX, WA. THEY CLAIMED I OWNED {$7200.00}. I SENT OUT A GOOD FAITH LETTER ( ATTACHED YOU WILL FIND ONE OF THE MANY LETTERS I SENT OUT ) ASKING THEM THAT I AM DISPUTING THE MATTER AND CONTINUOUSLY RECEIVED NONSENSE INFORMATION NOTHING BARING MY SIGNATURE OR INDICATING ON MY CREDIT THE MATTER IS IN DISPUTE INWITH IN THE 30 DAY MARK OF RECIEPT OF MY LETTER. I HAVE MAILED OUT FOLLOW UP LETTERS IN GOOD FAITH INDICATING I HAVE NOT RECEIVED ANY INFORMATION BEARING MY SIGNATURE ON AN AGREEMENT WITH DISCOVER CARD. THEY HAVE VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND PER FDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION ( 15 USC 1962e ) I HAVE ASKED THEM NUMEROUS TIMES TO SUMBIT THE INFORMATION OF PEOPLE WHO CLAIM THEY HAVE VERIFIED MY ACCOUNT WITHOUT SENDING ANY PROOF OF BEARING SIGNATURE. THEY ARE CONTINUOUSLY HARASSING ME WITH LEGAL ACTION. PLEASE HELP ME RESOLVE THIS MATTER THEY HAVE VIOLATED THE LAW BY NOT REPORTING ACCURATELY THE ACCOUNT AS DISPUTED WHEN THE FIRST LETTER WAS RECEIVED AS A FORMAL DISPUTE AND HAVE NOT PROVIDED ANY PROOF OF SIGNATURE OF MY AGREEMENT WITH DISCOVER CARD. PLEASE HELP ME I AM SEEKING THEY OMIT THIS BAD DEBT OFF THEIR RECORDS AND OFF MY CREDIT BUREAUS.
There are XXXX accounts by Bank of America that show a status of " CONSUMER XXXX ''. I did have these accounts but I am not now, nor have I ever been XXXX.
My car was repossessed in XX/XX/XXXX when I lived in California. I am now in the XXXX at XXXX XXXX/XXXX and my XXXX XXXX shows that US Bank claims on my credit report that this debt is still owed. I am currently working with a financial counselor and she assisted me today to reach US Bank and try to get a XXXX issued since the limit of liability has expired on this debt. XXXX @ XXXX told me and my counselor that the car was not repo 'd until XX/XX/XXXX and that there is a class action suit on this case. They told me that I would have to contact XXXX XXXX XXXX @ XXXX to find out any details. When we called it tells us that the number is no longer in service. This is holding up my XXXX XXXX for the XXXX XXXX XXXX and I want this to end.
Midland is calling about an XXXX account that is XXXX years old. I have been with XXXX since XXXX and can be verified. I filed bankruptcy in XXXX and this account should have been included. Every time a collection agency acquire this account they change the open date. This was from past XXXX therefore should be removed
I attempted to take advantage of an offer by XXXX XXXX, XXXX. at XXXX XXXX on XXXX XXXX, 2018. The offer was to open a checking account online and receive a {$150.00} bonus after using the associated debit card a certain number of times. 
In looking at the accounts there are hyperlinks under each account. I clicked on each hyperlink and none of them worked - I wanted to know the rates of each account. I was able to call and obtain the rates. 
I then filled out all of my personal information on the " Step 1 : Getting started '' page of their site after I clicked on " Apply now ''. Once done ( SSN, Name, Address, DOB, and DL information ) another page " Step 2 : Personal information '' came up and stated in red letters " We 're sorry. Thank you for your interest in opening an account with XXXX XXXX, XXXX. Unfortunately, you ( not your ) response do not match our records. Please feel free to contact us at XXXX. 
I contacted them and spoke with representative named " XXXX ''. He said " oh, you must have entered something that our computer did n't like ''. What does that mean!? He could not help me further and I said " is that your final answer as I am going to contact the CFPB. He could not help me any more to open an account. I want to know why my account could not be opened.
Hello, XXXX continues to attempt to collect on a debt that is not valid. I have requested proof of debt and they have not provided such. They continue to report the erroneous information to XXXX in violation of the FCRA and show that prior disputes were resolved, which they were not.
I have several credit inquiries I did not authorize and they were illegally made in my name and asking that they be removed I have sinced added a fraud alert on my credit report as I thought I had one placed on my credit report.I do n't understand how this many inquiries does n't causes a red flag with the credit bureau.I live in a XXXX bedroom apt with XXXX people so I need verification that " I '' made these inquiries because having my address does n't prove that. Did " I '' authorize these inquiries???? 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 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
I have repeated calls that started on XXXX XXXX. They call twice a day and refuse to tell me who they are and why they are calling. If it is a debt collector they have not sent any written validation notice within in the required 5 day from first contact. They continue to harass and annoy me and refuse to tell me who they are or why they are calling.
XXXX XXXX is reporting that they bought my XXXX account in XX/XX/XXXX. The XXXX Account was opened in XX/XX/XXXX and has been closed for a very longtime. I have written all the credit reporting agencies in an effort to remove this inaccurate credit information ( Exhibit # XXXX ). The XXXX Account ( ACCT # XXXX ) was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/XXXX ( Exhibit # XXXX ) and was discharged.
Hunter warfield has continued to report false information to the credit reporting agencies. Hunter warfield has been exstremly neglegant rearding aquring accurate account information on behalf of the creditor XXXX. After being removed from my credit report in XX/XX/XXXX, Hunter warfield has falsley reported yet again on my credit. I do NOT owe XXXX dollars to XXXX. in XX/XX/2015 i was late on my rent of XXXX $ and was subsequently evicted in XX/XX/XXXX. my least of 1 year was up in XX/XX/XXXX. I paid the amount of XXXX $ to XXXX. according to the laws of TN the carpet must be changed every 4 years and the previous owner of the aprtment as there two, I was there two, yet eagle point charged me XXXX for carpet. eagle point then charged me for XXXX mis for clothes that were on the floor. The state law stattes that apartments may not profit from the eviction. Hunterwarfield has not provided me a recipt from the carpet nor the claening. so in truth, there are no real charges to collect.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
I have been disputing identity theft with a XXXX account that was fraudulantly opened up in my name. I disputed this information with all XXXX credit reporting agencies. XXXXtransunionXXXX. I have also attempted to contact XXXX ( I have no acct number ) to report this theft. I also requested a fraud form to fill out for there investigation as this happened to me with a XXXX credit card as well. XXXX sent me a fraud investigation form which I filled out and returned so they can do there investigation. I received confirmation that they did there investigation and it was proven that I did not open this account and it was fraud and it is to be removed from my credit reports. However XXXX has still failed to send me the form and the credit beaurous just keep updating the incorrect information. I am fustrated and aggravated that I am spending countless hours and time trying to get this fraudulant information off my credit reports. I am submitting this complaint in hopes that they finally do a proper investigation and remove this from my report as it is affecting my credit score and affecting me in obtaining credit.
I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and Transunion ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for god 's sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From Transunion ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX )
KeyBank constantly overcharges my checking account on overdraft fees. I manage my money every month so that it would never go negative, however, because  KeyBank  processes transactions on random days it causes my account to be overdrawn multiple times. Transactions do n't get processed days later, even when I had the money to cover them, so my account always ends up being negative 10 days later, because my account is never up to date. Why? Those fees add up to hundreds so most of my paycheck usually goes to the bank just to cover the overdraft fees. Every overdraft fee is {$37.00}, so even if I only spent {$4.00} at a gas station thinking I had money on my account they would still charge me {$37.00} plus {$28.00} reoccurring overdraft fee -- - this is simply because, once again, my account balance is never up to date. Fix this  KeyBank  or I 'll never stop complaining about you. To everyone. To the internet. To the entire universe. Stop treating your clients as your bank account and start working for us like you 're supposed to. Last time I checked it 's not your money.
I received a letter in the mail from Allied International Credit Corp on XXXX/XXXX/2016. The letter states that XXXX has turned over a debt of {$93.00} to them for collection. I do not have an XXXX account.
I have been a victim of ID Fraud back in XX/XX/XXXX-XX/XX/XXXX. During this time, there were multiple XXXX XXXX cards opened in my name without my permission. This has been proven based on XXXX XXXX investigation along with a copy of the police report that was given to all three credit Bureau, and XXXX XXXX took them off except 1. They left one card on my credit report stating that it was mine and instantly reported 60+ days late. Obviously this is not mine. I asked them to send me something in writing that I personally signed authorizing them to open this account. If they can not, then they must remove this account off of all 3 of the Credit reporting Bureaus (Experian, XXXX and XXXX) immediately!
Capital One account XXXX became late in XX/XX/XXXX. Seven year removal of this account was in XX/XX/XXXX. Capital One still has a chargeoff on my credit report.
Chapter XXXX BankruptcyXX/XX/XXXXI never filed for bankruptcy I have disputed this information with : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX. XX/XX/XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, PA XXXX
They call 3-4 times per hour everyday. Never leave a message they try my house then cell phone so I end up have up to 8 calls per hour for 12 hours a day. If they want to teach someone they should leave a message.
On Saturday, XX/XX/XXXX, I received a summons to appear in court along with my XXXX year old son. ( See attachment ) I am XXXX years old and retired and my wife is XXXX years old and also retired. My sole source of income is my XXXX pension and a reduced pension from Social Security, reduced because of the Windfall Elimination Provision ( WEP ) This summons that I received involves a student loan that my son took out when he was a student @ XXXX XXXX University and I co-signed the loan application. That was back in XXXX and the lender at that time was XXXX XXXX XXXX My son had been paying on this loan in the amount of {$150.00} per month until XXXX XXXX XXXX XXXX informed him that his payments would double to over {$300.00} per month and they refused to work with him to lower the monthly payments. Since that time, my son was injured at his workplace on XXXX XXXX, XXXX and has been unable to work. He has already had one XXXX XXXX and needs a second XXXX. His sole source of income is XXXX XXXX through his employers insurance company and is 50 % of what his full time pay had been. 
Meanwhile, XXXX XXXX XXXX. either sold his loan to XXXX, XXXX XXXX XXXX or retained them to sue both me and my son for the outstanding balance, which they claim is {$11000.00}. I do n't feel that either me or my son are being treated fairly by either the lending institution or XXXX, XXXX XXXX XXXX in taking us to court considering the overall circumstances. From what I have been able to learn about XXXX, XXXX XXXX XXXX, they appear to be a predatory collection agency who routinely take people to court to attempt to collect debts that they are not entitled to collect.
I receive 83 phone calls from this creditor between the hours of XXXX XXXX to XXXX on XX/XX/2018. 
Very excessive and not necessary. I was receiving phone every 2 to 3 minutes apart. I had to eventually block the number on my cell phone since I was in a work meeting at the time the calls were placed. 
I have asked to not receive calls during work hours, and advised I am available after XXXX PST. They are obviously not honoring this request. 

I have called and requested a supervisor to call me, and now I 'm not receiving a call back.
I have inquiries on my credit report that do not belong to me- XXXX, XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX