WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, Almost a year ago I submitted information to remove a fraud alert on my account. I have submitted this information to the XXXX address of Experian 4 times now and the fraud alert is still on my account. the information that was the " results '' on my last complaint ( XXXX ) was what I had ALREADY sent them, but I, as requested, sent again. Please help me. 
Thank you!
On Friday, XX/XX/XXXX at XXXX, I spoke with ( XXXX ). A representative from the collections agency ( Miller Stark Klein and Associates ). XXXX informed me that the reason for his call was because his client ( XXXX ) hire them to collect an outstanding balance that ( XXXX ) claimed it was due for collections for services dating back to " XX/XX/XXXX ''. 

I explained to XXXX, that I can confirm that I did have services with XXXX during XX/XX/XXXX. However services were cancel and there wasn't a balance left on the account. 

If XXXX 's records showed that there was an outstating balance on the account ; why didn't XXXX never contacted me in 12 years. I also explained that I had ( Cable, Telephone, and Internet ) with XXXX XXXX, just last year on ( XX/XX/XXXX ). 

In order for me to have services installed, XXXX did two things ; 1 ) Verified I DID NOT have any outstanding balances with the company for prior services. 2 ) I agreed to have my credit file review, my credit score was XXXX. I had services installed with out the requirement of a deposit. ( Proof attached ) I then went ahead and informed XXXX that as a collections agent, I was sure that he was aware that it was illegal for him or XXXX to attempt to collect on a debt that is 12 years old. I also asked for proof of this debt, he informed me that unfortunately he would have to report the debt. I would also be contacted through a conference call at a later time by XXXX. I also am a XXXX person on Social Security XXXX benefits. 

I'm not sure what to make of this phone call from XXXX. He claims to be employed by Miller Stark and Associates, but its clear that there is a failure for them to abide by the Fair Debt Collection Practices. I also could of been a victim of a phishing scam.
Portfolio Recovery Services is reporting a debt on my credit reports- Please accept this complaint as a formal dispute of this account and its account balance. I am requesting debt validation, a copy of the dunning letter sent, and copies of all documents that Portfolio Recovery Services has obtained when purchasing this debt. According to the Federal Law Portfolio Recovery Services needs to provide these  documents in full no later than 30 days from receipt of this complaint
This company has no XXXX in the state of XXXX and has no right to report on my credit report.. I called the Texas Department XXXX XXXX and regulations and they further verified that In Texas this company has no XXXX bond to collect in the state of XXXX.
We became aware of your recent settlement with XXXX XXXX solution where we had attempted a loan modification. When I contacted them today to inquire about your deferred balance we were told that our loan has been sold to another lender DieTech. And DieTech folks are still reporting the deferred balance that was subject to the loan modification ( see attached ). We would like CFPB '' s help in working with DieTech to XXXX
Back onXX/XX/2017 i submitted a complaint with CFPB in regards to my the invalid debt of the account associated with Hunter Warfield. They corrected the debt owed reporting to the 3 credit bureaus. As of today, they are incorporating interest on a debt that has a firm amount owed in which it is XXXX. The other account with XXXX XXXX is currently at {$830.00}, which is still stating I owe {$1000.00}, which is being reported. I came to a monthly agreement on a 24 month payment plan in the amount of XXXX, until debt is satisfied.
After the massive Equifax data breach was announced in XXXX 2017, my family checked to see if our identities were compromised. My wife, my XXXX old daughter, and I were designated as " potentially compromised. '' My wife and I could sign up for their identity theft monitoring, but their online system would not allow a minor to sign up. When I called their special Security Breach 2017 hotline, the representative just kept repeating that Equifax " generally does n't '' have  information on minors. She could not explain why my daughter 's SSN would be in their system. She said that I would need to call Equifax directly, but she did not even have the number to call. 

Trying to contact Equifax directly has been futile. They have deliberately obfuscated any direct way of contacting them. So far, I can not even determine a simple question -- does the SSN associated with my baby have any credit history or other association with Equifax? According to one rep, the answer should be " no, '' but she can not confirm it. 

So far, the only way I think I may get any answers is sending copies of important, sensitive documents ( my and my daughter 's SS cards, birth certificates, etc ) directly to Equifax. Since they could not protect the data of 143 million people, I really do n't want to add my daughter 's information to their company if it does not already exist. 

These credit reporting companies take our personal information and sell it as a commodity. They will give MY information to some random credit card company who wants to send me an offer, but I have to jump through hoops just to find out if my daughter 's identity is even actually compromised. They are XXXX.
I would like to seek assistance? XXXX XXXX and Experian just recently notified me on XXXX XXXX, of an incident that involved unauthorized disclosure of my personal information. According to them the incident happened on XXXX XXXX, 2015. I dont feel assured that my personal information is secured, just today I received a call from a Collection agency in behalf of XXXX XXXX asking for my personal information. Experian and XXXX are stating they have conducted their own investigation the results are not clear. As a consumer I would like to be contacted as soon as possible, my information, name, social and date of birth, should be protected. The letter is dated XXXX XXXX, 2015 and was just received on XXXX XXXX, 2015. 

Thank you for listening, XXXX XXXX
After exercising my right to legally terminate my lease, XXXX XXXX XXXX has put a collection against me for XXXX. They hired Fair Collections and Outsourcing who still has a collection against me that is effecting my credit score and almost cost me my chance to rent an apartment. They have also put this collection on my former roommates credit, as well as her co-signer 's. 

Clearly the allegation of debt is BOGUS, for not XXXX, but two reasons : ( 1 ) If apartment was re-rented in XXXX, the only rent we could possibly owe, if owed at all, would be for XXXX, which was {$1400.00}, NOT {$4400.00}. And ( 2 ) we legally terminated the lease, irrespective of re-rental, effective XXXX XXXX, 2013, as explained in full in your letter, dated XXXX XXXX, 2013. 

We 've sent them documentation in 2013 which contained the law that our former landlord broke that legally released us of this debt ( such as work work they refused to do to keep our building safe - like faulty lights and electrical outlets, plus the law they broke about rerenting our apartment once we left which then releases us of any debt. ) In XXXX of 2013 they wrote in the letter that we had 30 days from receipt to dispute the validity of the charges. We called their service department and was asked to e-mail documentation to them to support our cause. We never heard from them from that point. 

I request that you investigate these chargers and ask them to remove these faulty claims. We worked with the XXXX XXXX XXXX and they have all the documents that support our case. XXXX did not take us to court as they threatened but we will happily do so if these charges are not dropped.
On XXXX XXXX 2017 I attempted to purchase something on my XXXX XXXX Card issued by American Express. The value was {$2600.00} of the purchase. The purchase went through and a month later the same amount was refunded to me by the same vendor. I had a positive balance on my credit card I then had called into American Express to have refunded to me. The date that American Express claims they issued me a check to come in the mail was XXXX XXXX 2017. When I called to inquire as to the details of said check 's arrival, I was given no information other than it was sent on XXXX XXXX 2017. When I inquired to have a new check overnighted to me, they claimed they were unable to do that. I am without {$2600.00} of the amount that was refunded to me and would like for American Express to now respond to a CFPB complaint and inform them why it has taken so long to refund a customer 's money.
On XX/XX/, I sent Experian proof of a document with a dispute. Experian is reporting I have 2 late payments on a Auto Loan with XXXX XXXX XXXX XXXX. According to FCRA Section 623, Experian is in violation ( if they refuse to correct information after  being provided proof of inaccuracy ). They sent me a letter XX/XX/ saying it was verified. But how is that? These so called late payments are a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan in the same months they are reporting late. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late  payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ).  Experian has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes
THIS APARTMENT WAS MY GRANDFATHER AND HE HAD A REVERSE MORTGAGE ON THE PROPERTY. WE CONTACTED XXXX XXXX WHEN HE DIED ( XX/XX/XXXX ), TOLD THEM WE WANTED TO KEEP THE PROPERTY AND WAS TRYING TO GET A LOAN. XXXX XXXX SOLD THE LOAN # XXXX TO XXXX AND WE HAD TO START ALL OVER. WE CONTACTED XXXX, TOLD THEM WE WANTED TO KEEP THE PROPERTY AND WAS TRYING TO GET A LOAN. WE HAD BEEN KEEPING AN OPEN LINE OF COMMUCATION WITH XXXX. THEY SAID WE NEEDED TO CONTINUE TO CALL THEM AND TELL THEM WE NEEDED AN EXTENTION. WE DID THAT. IN XX/XX/XXXX THEY FILED DOCUMENTS TO SALE THE HOUSE, EVEN THOUGH THEY KNEW WE WERE TRYING TO GET A LOAN ON THE PROPERTY. XX/XX/XXXX WE CONTACTED XXXX AND XXXX ABOUT THE AUCTION DATE AND THAT WE WANT TO BUY THE PROPERTY. THEY THEN TOLD ME WE NEED TO PUT IT IN WRITING. XXXX WROTE US A LETTER STATING THEY NEED OUR INTENT IN WRITING. THEY HAD NEVER SAID THAT AND WE TALKED AT LEAST WEEKLY. I HAVE PHONE RECORDS TO PROVE IT. XX/XX/XXXX AN APPRAISAL WAS COMPLETED. XX/XX/XXXX THE LETTER OF INTENT, APPRAISAL AND THE OTHER INFORMATION THEY REQUESTED. XX/XX/XXXX WE ALSO SENT AN APPROVEL LETTER FROM XXXX XXXX XXXX XXXX XXXX THE BALANCEOF THE LOAN WAS XXXX OR CLOSE TO THAT PRICE. OUR BANKS APPRAISAL CAME BACK WORTH XXXX. XXXX ORDERED AN APPRAISAL ON THE HOUSE XX/XX/XXXX AND IT TOOK THEM UNTI XX/XX/XXXX TO GET BACK WITH THE APPRAISAL AMOUNT. IT CAME BACK XXXX THERE IS NO WAY THAT THE APPRAISAL AMOUNTS SHOULD BE THAT DIFFERENT. I EMAIL AND CALLED XXXX XXXX SERVERAL TIMES AND ASKED HER FOR THE APPRAISAL I received the appraisal. today XX/XX/XXXX and I noticed it stated that all united appraised as {$120.00} How can that be when one unit is gutted. The roof is leaking and the appraisal states that the roof is fine. How is that so? I feel like we are not being treated fairly. 
XX/XX/XXXX XXXX EMAIL ME BACK AND SAID, Attached is a copy of the appraisal. Please be advised that we will not be accepting any customers appraisal. We will continue to use our appraisal, Do you still want to continue with the short sale? I DONT UNDERSTAND WHY SHE SAID SHORT SALE WE ARE TRYING TO GET THE LOAN. 
THE HOUSE IS SUPPOSE TO BE AUCTIONED ON XX/XX/XXXX OR XX/XX/XXXX THAT DOS NOT GIVE US ENOUGH TIME!!!!!! 
I received the appraisal today XX/XX/XXXX and I noticed it stated that all united appraised as {$120.00} How can that be when one unit is gutted. The roof is leaking and the appraisal states that the roof is fine. How is that so? I feel like we are not being treated fairly.
On XXXX I requested my free report from TransUnion. I have only received stall tactics and no report. Please send my free credit report.
Since XX/XX/XXXX, Bank of America ( not our bank ) has been withdrawing funds ( termed " pay by phone '' ) from our brokerage account with XXXX XXXX. We have no idea where these funds are going and have never approved any such deductions from our account. 
XX/XX/XXXX {$25.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$25.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$40.00} We contacted the Bank of America fraud line and were told that our bank would need to initiate a fraud complaint. We were told by XXXX XXXX that it was up to Bank of America to solve the problem and that the only recourse they have would be to close our account and open a new one. Thus, all direct deposits ( Federal pension, etc. ) would need to be rerouted to the new account. We have filed an FTC complaint ( # XXXX ), but to date we have not been able to stop the withdrawals.
On XXXX XXXX 2015 I paid {$1000.00} for trading company XXXX On XXXX XXXX 2015 I ordered withdrawal all my deposit, but they cancelled my request. On XXXX XXXX I ordered second withdrawal and this request was approved. They promise people money transfer XXXX7 days, but I did not received my money back. I contacted them on XXXX XXXX and they said that this transaction was approved on XXXX XXXX and was paid. I should received the money any day. Unfortunately, I did not received my money back. 
Today is XXXX month as they promised my money back and I think that they cheating me. In this case I was in Chase bank and asked for help. The banker called to an specialist but the person said that they rejected my claim because I do n't have any demanded proof. Such proof must be letter only, copy of email, no screen shot copy. 
So, from this next case I did not received any confirmation, any explanation from Chase bank. 

This is next proof that they discriminate me. Online transactions always where are and I believe will be mostly based on online documentation and such documents must be respect as proof. 

The XXXX is part of XXXX XXXX, which confused me in bank statement, because payment for XXXX is listed as XXXX XXXX, but I have conflict also with XXXX which also stole my money, however, this case will be in my next complaint.
XXXX XXXX - Fraudulent transaction attempted with my credit card account at XXXX in XXXX, Georgia -- card was previously issued with security chip, and fraudulent transaction attempted with card not containing a chip - this attempted transaction was declined by the merchant - a second attempt was then made with a " card not present '' transaction at the same location - this transaction was reviewed by SunTrust Visa credit card fraud desk and approved by them without contacting me XXXX XXXX - I notice the charge on my account and call the credit card company to dispute the charge - on XXXX XXXX, I receive a credit for the amount after having filed a signed affidavit XXXX XXXX - SunTrust hard posts the amount to my credit card account with no explanation - I dispute the transaction again, and they close the dispute claiming that it is a duplicate of the previous dispute XXXX XXXX - I go to the SunTrust branch where the very professional and helpful banker calls the credit card service desk on my behalf to determine why the transaction was posted - after asking the same question at least 5 times and speaking to XXXX different people who barely speak XXXX, it is finally explained that XXXX " provided sufficient documentation that the transaction was valid '' - this documentation was not provided to me, nor did the bank communicate to me without my spending hours on the phone and at the bank branch trying to learn what was happening - the bank claimed that the purchase was " in my normal pattern of spending behavior '' ( ignoring the fact that the transaction in question was at a location where I have never been, was originally attempted with a card with no chip when the bank had issued a chip card to me, and was subsequently processed in a " card not present '' situation and processed by SunTrust fraud services )
I OPENED A ACCOUNT AND THEY PUT A HOLD ON ALL MY MONEY AND REFUSE TO GIVE ME ANY IMFORMATION OR CLOSE MY ACCOUNT
This medical collections need to be deleted/Removed Off My Transunion credit report due too hippa violation there is no Right to Revoke Clause form attached any of my medical papers!!!!
I h ad two studen t loans from  XXXX   XXXX  which were serviced by  XXXX . In  XXXX   XXXX  i filed chapter  XXXX  bankruptcy receiving a discharge in  XXXX   XXXX . From that point forward,  XXXX  has made a breve of errors in reporting both student loans incorrectly. I have made ove r 15 disputes fr om contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided  XXXX   XXXX  guidelines when disputing.     I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on t he Credit Reporting.       XXXX , and each bureau, have violated Fair Credit Reporting Act,  US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint . By  XXXX  continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly.     Furthermore, I continued to pay my loans as best as I could and in  XXXX  I settled both loans with  XXXX  by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance.     After 6 months of additiona disputes and conversations,  XXXX  indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring  a private Right of action  for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights.     Over 2 years since I 've settled and paid for these loans,  XXXX  continues to damage my credit because they simply refuse too.     Please get this corrected and allow me to sue  XXXX  for its willful behavior.
On XXXX/XXXX/2017 I initiated an international wire transfer from SunTrust Bank with all of the correct information needed. By XXXX/XXXX/2017 the funds had not arrived at the beneficiary bank. On XXXX/XXXX/2017 I requested that the bank trace the funds. On XXXX/XXXX/2017 I called the bank to obtain information on the wire transfer trace and the bank had little information to confirm the transaction and could not confirm that the funds were received.I asked numerous times to speak to a supervisor and the bank refused my requested. I asked that the issue be raised to a higher authority and again my request we denied. I went to a branch office to try to resolve my issue and was again met with nobody who could help me. I have been waiting for confirmation of where the Wire Transfer is, when it was sent, when it was received and even the wire operations office refuses to provide me with information. As of today its been 18 days and SunTrust Bank is unable to confirm anything.
I filed chapter XXXX bankruptcy in XXXX it was discharged in XXXX. My car nor my mortgage were included in the bankruptcy. My payments to both have and continue to be in full and on time. Yet on my credit report it reflects included in bankruptcy and they are not reporting my payments so my credit is getting worse not better. 

Account Name Account Number Account Type XXXX - Bureau Account Designator Date Open High Limit Monthly Payment Account Balance Last Reported Account Status Amount Past Due XXXX Individual XX/XX/XXXX - - - XX/XX/XXXX INCLUDED IN BANKRUPTCY - Comments BANKRUPTCY CHAPTER XXXX, BANKRUPTCY DISCHARGED, FIXED RATE,
In XX/XX/2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX, at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Experian remove the Charge Off showing under my name with XXXX as well as remove this account and Experian as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.
XXXX, XXXX, And Equifax Credit Bureau are reporting an unknown public record on my credit file that is hindering me from getting the proper finances to support my XXXX XXXX daughter and I was denied an mortgage loan because of it. 

They have a police report on file, that I have sent a total of 6x with the account on it.

This is unfair!!!! 

Public Record # XXXX
I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
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 also mail the names of those who placed the inquires with to no avail
I was booking a flight on the XXXX XXXX website. There was a promotional offer, which offered a {$200.00} discount if I applied for a Citi / AAdvantage Platinum Select card and paid for the trip through the card. I applied for the card and received an email almost immediately to say that I was approved. Unfortunately, the email said it would be 7-10 days before the card arrived in the mail. I called XXXX XXXX to ask how I was supposed to take advantage of the promotion, since the flight reservation would be held for only 24 hours. They explained that Citibank should have given me a temporary number with which to pay for the flight. They transfered me to Citibank to receive the temporary number. Citibank said they would not give me a temporary number, and that I would have to wait until I received the card in the mail, at which point it would be too late use that card to pay for my flight. The only reason I applied for the card was to take advantage of this offer, but the process is structured so that it is actually impossible to take advantage of the offer. The promotional offer is a complete fraud.