WillisBack/dataset-financial-user-claim huggingface dataset:
We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from AMEX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an AMEX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they?

The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from AMEX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.
My deceased father XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XX/XX/XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. On XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork. 

FHA # XXXX XXXX provided by XXXX XXXX , XXXX.
There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX XXXX County Special - XXXX XXXX County Special - XXXX
I recently applied for an auto loan with XXXX XXXX and was turned down. I further looked into what scores they were referring to and found out that it was a credit reporting agency that I had never heard of called XXXX XXXX. There credit score for me was not even close to the other three agencies. They also had inaccurate information regarding my history. Based on this very unreputable company I was turned down for the auto financing form Ally. Their reasons for turning me down were not only inaccurate but very unprofessional because they were so wrong. This company should not be allowed to report credit worthiness for anyone.
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
I was a victim of identity theft and noticed a collection from Transworld Systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Transworld Systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
In XXXX I sign up for a home modification with B.S.I. I was put down as a denied, I ask why? they told me I was a fraud. I ask what make me a fraud. they said I did n't sent all my paperwork.I told them, that not a fraud. 
I resign up three time sent all my paperwork only to be told we never got it. each time. I was told that. XXXX my status has changed my daughter live with me now, still trying to get modification..me and my advocate sent a update package, only to be told we do n't have it, and we are not going to review you.I have been here three 25yrs. and work 33 yrs. Iam retired now.
I have noticed this Factoring Company named XXXX XXXX XXXX  is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with XXXX XXXX for this amount of monies I have had a XXXX XXXX card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.
Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my second XXXX. I had in home care, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.
I sent a letter in response to phone call received by a company on XX/XX/2018. I was requesting that the hunter warfield provide validation of the debt as required by the Fair Debt Collection Practices Act. Because I have disputing the debt, they have should not report it to the credit reporting agencies.
My parents received repeated phone calls from a company called ACEI ( American Collections Enterprises Inc ) regarding an alleged {$39.00} debt I owed to a dental practice. A woman by the name of XXXX XXXX requested that I call them. 

XXXX XXXX -- and her manager, XXXX XXXX -- both committed what I believe are violations of debt collection laws. They said the phone conversation was recorded, so I believe there is a clear record of their misrepresentations on file. 

XXXX XXXX told me that the debt dated from XXXX XXXX, 2008. When I asked if it was legally enforceable, she told me that it was. This is flatly untrue -- I live in XXXX, XXXX, a jurisdiction with a three year statute of limitations. 

Additionally, when I asked for written confirmation of ACEI 's attempt to collect the debt, both XXXX XXXX and XXXX XXXX refused to mail me such a notice, even after I informed them of their obligation to do so. 

I do not believe I owe this debt, and I believe that ACEI is providing false information to consumers about their obligation to pay out-of-statute debts.
XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Docket # : XXXX IQUIRE THAT I DID NOT AUTORIZE 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 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have contacted Equifax on 4 different occasions dated : XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 to either receive no response or when they did respond they are not providing me with any proof from the original creditor ( XXXX XXXX XXXX ). Also on all 4 of these occasions Equifax has went well over 30 days to either respond with re-investigating in progress 45-50 days later or no response at all. I have also filed a Identity Theft report with The Federal Trade Commission that list XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX 2017 ABC Financial Services XXXX XXXX XXXX XXXX Arizona XXXX  RE : Cease and Desist from Collections Dear : ABC Financial Services On XXXX XXXX 2017 I was contacted by one of your employees by phone, email and text message from ABC Financial Services regarding account number XXXX. I spoke with an agent by the name of XXXX and I requested that I do not want to be contacted by ABC Financial Services any longer. At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Furthermore I am respectfully requesting that you refrain from contacting me by phone, email and text messages. Please refrain from using such methods as skip tracing, by contacting my relatives and employer. Do not contact met at all!
Your continues calls, emails and text messages and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions Fair Debt Collection Practices Act including sections > 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, emails and text messages and that you update your records immediately. If action is not taken by you to cease and desist as soon as this formal letter is received. Failure to comply with my request will leave me no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collections Practices Act.
Sincerely, XXXX XXXX XXXX
I was insured by state of MI insurance from an injury ( personal ) but the collections company keeps mailing out notices on a debt I do n't owe and it was supposed to be paid by the insurance company.
I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it
I opened an account with Ally bank. I made an initial deposit of XXXX. I established my online access. After less that a day, my account was locked for security reasons. After XXXX days of calling and talking to different people, I was informed my aunt needed to send a copy of my ID, SS card and a utility bill to an address that started with fraud. I never have been able to get an answer from anyone. No one has ever contacted me at all regarding this account. I have called the person who requested my informant no less that XXXX times and he refuses to call me back. I asked to get my money back and the answer was " we ca n't refund money until we know who it is going to ''. But the can take my money. I was assured the money would not be taken out of my account until this mattter was straightened out. Well it has been taken. I just would like to get my money back and wash my hands of Ally Bank
I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.
XXXX 2013 XXXX Volunteer repo Lose my job and I told them come and get it the the lady told me it will not be on my credit and I see that was I lie and keep calling me tell me it 's going to damage my credit and I see as if today they sold it to other lender
I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry :  XXXX XXXX, XXXX XXXX XXXX DBA XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX
Received letter on XXXX/XXXX/16 from Collection Bureau Services Inc. Attempted to call them with no answer. Original creditor XXXX XXXX was listed, I contacted them and they said the debt was not in my name. Upon contact with Collection Agency was informed the debt belongs to my EX husband, informed them that we were divorced numerous years. Collection agency requested copy of dissolution degree to fax number XXXX, sent requested documentation on XXXX/XXXX/16. On XXXX/XXXX/16 this account is listed on MY credit report in collections!
The debt belongs to my father. We have the same name but our birthdays and social security numbers are obviously different. I have contacted XXXX and emailed them a copy of my drivers license to very the debt it 's not mind and yet I have not heard from them and they have not removed the collection from my credit report.
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX ACCEPT XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 5. XXXX ( reported twice on same date ) XX/XX/XXXX, XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XXXX CO XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17.  XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, PA XXXX
EduLoan Servicing is a fraudulent program that used the official-sounding programObama  Student Loan Forgiveness to scam m e into believing that they offered programs that could lower my student loan monthly payments and even provide student loan debt forgiveness.     EduLoan Servicing shared they would collect my monthly payments on behalf of the federal student loan program and send them to my servicer. I most recently received a call from   XXXX   ( who is my current loan servicer ) stating that my account was delinquent and that EduLoan Servicing was a fraudulent program.     By this point, my checking account had been withdrawn an estimated {$900.00}. Through out the entire proces s EduLoan claim ed they were  a Student Loan Forgiveness program. They accessed my FSA ID using my ss # and driver 's  license. I am at a loss for words and would like to press charges. How do I proceed?
In XX/XX/XXXX Wells Fargo and I came to a resolution about fees and charges on my loan. I paid the amount requested and assumed that we were all XXXX out. The company sent me a refund check .I was fine until XX/XX/XXXX at which time {$25.00} late fees and and a {$12.00} fee started to accumulate again. I paid my loan in a branch on the XXXX  of each month and the bank agree that all principle and Interest payments were made on time. I began again the long road of trying to call and get answers as to why the fees?

calling from a branch with a banker. Being on hold for hours. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I received letters with promises to resolve my issues in a timely matter. After no resolution I requested the attorney General assistance. It looked promising when I spoke to XXXX. he listened, but never called me back as promised. Then a lady named XXXX   called ( ext. XXXX ) To say she had gotten the case and had to review all information She never listened and again never resolved the issue. I again called the Attorney General and he told me to contact you and the Secretary of the State.

This is having a negative affect on my credit score. Stopping me from buying a vehicle I need and a home I need. I am a XXXX   veteran and it is time to have a one story home and easier vehicle for transport.

I have overpaid the account by {$830.00} and do not have a clear title. I know daily they add interest, fees and charges.Please I need your assistance, as soon as possible.
I am a victim of identity theft and been a victim of identity theft for over 11 years. I filed a police report with the XXXX County Sheriffs Office in regards to the following fraudulent and unauthorized accounts, and credit inquiries listed on my XXXX, XXXX and Trans Union credit report : XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX   unsecured personal loan, XXXX XXXX XXXX XXXX credit card, collection account : XXXX XXXX XXXX, and XXXX XXXX XXXX unsecured personal loan account # : XXXX  for {$7500.00}, credit inquiries : XXXX XXXX and XXXX XXXX. The accounts are all fraudulent, arent mine, and dont belong to me. The police report case number is # : XXXX.
I received ( 4 ) four bills from XXXX , IXXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX. For charges that I have no knowledge of. 
Bill 1. consumer # XXXX client reference # XXXX Amount {$30.00} Bill 2. account # XXXX consumer # XXXX Amount {$290.00} Bill 3. account # XXXX consumer # XXXX Amount {$180.00} Bill 4. account # XXXX consumer # XXXX Amount {$160.00} with the total of {$670.00} that is been reported to the three credit bureaus. I called XXXX AND TOLD THEM THAT I DID NOT HAVE THESE BILLS. I DID NOT KNOW WHO MADE THESE CHARGES. I ASK THEM TO STOP REPORTING TO THE CREDIT BUREAUS ON MY SOCIAL SECURITY. I ASKED THEM TO REMOVE IT FROM MY CREDIT REPORT THEY REFUSED. THEY SAID IT WILL STAY ON MY CREDIT REPORT UNTIL I PAY. PLEASE ASK THEM TO REMOVE THE FOUR CHARGES FROM MY CREDIT REPORT. I HAVE CALLED THEM MORE THEN 10 TIMES. THEY STILL REFUSED TO REMOVE IT FROM MY CREDIT REPORT. I FILED 4 DISPUTE WITH THE 3 CREDIT BUREAUS THEY ALSO REFUSE TO REMOVE IT FROM MY CREDIT REPORT. I HOPE YOU CAN HELP RESOLVE THIS ISSUE.
I contacted XXXX XXXX XXXX in XX/XX/XXXX after I received a notification that I had only made XXXX qualifying payments toward my Public Service Loan Forgiveness program. I called them to ask about the number, since it should be much higher, closer to 90 payments at that time. I refinanced my loans to enter the program in XX/XX/XXXX, and have been with qualifying employers the entire time, paying under repayment programs that qualify as well. I asked them to review the number of payments. I called again in XX/XX/XXXX when I didn't receive any response to my first inquiry. I was told that it wasn't properly submitted, and that they would ensure it was submitted for review now. I called again in XX/XX/XXXX and again in XX/XX/XXXX, asking for updated. I was told it was still under review. I called yesterday ( XX/XX/XXXX ) and was again told that it is still under review. I asked about timeframes for these reviews, since my forgiveness will be coming up in XX/XX/XXXX. The person stated that their policy is to finish these reviews in 90 days, but due to so many requests, they are prioritizing them by those who are coming into forgiveness first. I asked when my date comes up, am I required to still make payments if they haven't completed the review. She stated yes. I asked how is that possible when I made requests over a year ago now. This company needs to get its act together.
This is the letter that I sent to ALLY Auto which describes the issue I sent in a Duty Change form to have my payments taken out of my account on the XXXX for each month. However, the form has not reached the Auto Department as or yet. This form was mailed 2weeks ago. In addition I was late paying my XXXX payment which was supposed to come out of my account on the XXXX instead of the XXXX. I was charged a late fee and paid the amount on the XXXX of the month a week later a payment was charged to my account even though I made the payment already which caused me to be charged a insufficient amount from my bank. I am requesting that this issue be looked into because my payment for XXXX is scheduled for XXXX/XXXX/16 even though I requested the XXXX of each month and I would like for a refund of the {$30.00} that I was charged from my bank due to your mistake. You can reach me at XXXXXXXXXXXX or XXXX. 

Thank You XXXX XXXX
I got a home equity loan, that shows up as a revolving line of credit on XXXX of my credit reports.This is not a revolving line of credit. Any help with this matter would be greatly appreciated. Thank you.