WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX, Experian, and XXXX have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XXXX of XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from Experian. 

A creditor is also claiming I took out a loan in XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of XXXX I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.
I lost XXXX of my jobs and having a hard time making ends meet so I applied to OCWEN for a modification in XXXX 2015 complete package sent in. Since submitting the paperwork OCWEN has requested several documents and I 've sent them within days back to them. I 've submitted the same documents over and over again. Finally on XXXX XXXX my representative called and operator ID # XXXX told us that I needed to re-submit because my RMA application had expired and that we were supposed to get an answer within 90 days of submitting the original paperwork that she did n't know why we were at this date with NO end in sight. We asked the representative to point to us the expiration date on the RMA but she could n't since she could n't do that we asked her to transfer us to a supervisor and she refused stating that she would have to look for one and she did n't have time. I am begging for help since I do n't want to loose my house, I 'm a single man BUT I do take care of my XXXX elderly parents, I have been looking for a second job but I 've had no luck because I had my identity stolen several years back and my background checks are not good. Please help
Had to check any box above because none pertained to my online experience complaint. See below : I need to file a complaint to the correct agency regarding XXXX GC Services Ltd Partnership located in XXXX CA. When trying to pay monthly agreed amount, I was forced to fill out amnesty form before continuing to make payment. Amnesty form contained answers that I did not agree to, but was autofilled by their software before I can leave page. This company is making consumers agree to information and {$50.00} fee before submitting payments. I did not agree to this and called them promptly to complain. I need to wait for them to remove {$50.00} amnesty fee before I can pay court ticket for my husband. I still am unable to pay ticket amount and his license can be effected by DMV. He must have his license for his job or he will be fired. I 'm sure they are affecting many people and their drivers licenses and need to be investigated. Please let me know if this is the correct agency or who I need to contact to get this resolved and investigated. Thank you
I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me  XXXX  out and my hippa has become worse because of the  XXXX , I need these removed .Thanks
On XX/XX/2018 I requested a copy of my credit reports from Equifax, XXXX, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX
According to XXXX, inXX/XX/XXXX XXXX XXXX XXXX purchased a dept from XXXX XXXX  in my name.  I have attempted to contact XXXX XXXX  a number of times over the phone.  The last being on XX/XX/XXXX at XXXX.  I have tried to explain to them that this is incorrectly reported. I had closed my account with XXXX in XX/XX/XXXXowing nothing in monthly service charges.  I have attached a receipt showing the device I had purchased was returned to XXXX XXXX XXXX XXXX  continues to deny my requests for proof that the dept is accurate. I have asked for them to validate the dept and was told they could only send me a bill.
I received a letter from Experian dated XXXX XXXX, 2016 stating that a creditor reported changes made to my name, address or SSN in the last 30 days. Upon receipt of the letter, I attempted to contact Experian multiple times via phone and on-line to identify specifics. I reviewed my credit report from Experian on-line and found XXXX inaccuracy which was a name change ( which I have never used ). I attempted to address this on line but was unable to do this on their site. I am still unsure if this was the reported inaccuracy on my report. In spite of going through multiple agencies ( my bank, FTC, and CFPB ), using all of the listed Experian phone contact numbers, I have been unable to contact a live person with whom to investigate and resolve this problem.
I ask to Paypal to issue a refund ( {$62.00} ) because an item I paid online on XX/XX/2018 ( not XXXX ) and they open a case ( Case # XXXX ) I had satisfied all they ask for and they told me on XX/XX/XXXX that will issue the refund and it is XX/XX/XXXX and I didn't receive my refund yet. Aslo paypal had limited my paypal account for some item I sold on XXXX but I didt have the receipt of purchase on my name so they limited my account by paypal policy which it is they right, but why they are still keeping mi information even thought I ask for remove it from their server company and I'm very concern because paypal has been hacked several time. I talk to paypal several time and the refuse to remove my financial and personal information which in my opinion shouldnt be legal or allow. 
please if this matter is not part of your department could you guide me where should I submit my issue. 
thanks XXXX XXXX XXXX  XXXX XXXX XXXX
Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$3100.00}.
In XX/XX/XXXX and XX/XX/XXXX I submitted a dispute via certified mail regarding an entry on my credit file and according to the FCRA a company has 30 days to prove validity with ( ie signed contract, not a bill as it does not validate. They have broke their contract by choosing not to provide proof
I had a difficult time paying online. The people at this company acted so unprofessional and unhelpful. I spent hours talking with different people and no one could even verify that I had previously called. My payment ended up being late and extra charges were uncured. They hung up on me. They promised to call me back and never did.
My mortgage was originated by XXXX XXXX XXXX, XXXX, Georgia. I am in good payment standing with XXXX XXXX Bank, and never missed or be late in any mortgage monthly payments. Then my mortgage was purchase/transfer to XXXX XXXX. XXXX XXXX turn my mortgage to a third party ( Ocwen Loan Servicing ) to handle the collection of mortgage monthly payments. Ocwen Loan Servicing , LLC is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and their website is XXXX. Ocwen send me a letter asking to fill out IRS Form XXXX, which is the form that employers fill for collecting Federal taxes out of payroll of employees. Ocwen state in their letter that I will be fine {$100.00} if this form is not completed and mail back. Called Ocwen ( XXXX ) XXXX number to ask why I have to fill form XXXX since I am not an employee of Ocwen ... I am their costumer. Every single call made to Ocwen call center ( in XXXX ) lead to a costumer representative who can not answer my question, then they proceed to place my call in hold for someone to assist me. After waiting for more than 15 minutes, some XXXX pick up the phone and hang up on me. I try to contact Ocwen at different times and days of the week but the results are always the same. Ocwen costumers representative will place your call in hold and then hang up. This is poor costumer service.
I RECENTLY MOVED AND CHANGED ALL OF MY CREDIT CARD BILLS TO MY CURRENT ADDRESS ( USING AN ACTUAL REVERSE SIDE OF BILL TO UPDATE ADDRESS. CAPITAL ONE HOWEVER DID NOT RECOGNIZE THE CHANGE AND SENT THE BILL TO MY OLD ADDRESS. MY BILL WAS LATE AND THEY PLACED A NEGATIVE MONTH ON MY CREDIT HISTORY.
My wife,  XXXX   XXXX  and I were married on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX  we became legally separated. During the period of our marriage we obtained a joint loan with  XXXX   XXXX   XXXX . ( At the time they were known as  XXXX   XXXX  )  XXXX   XXXX / XXXX / XXXX  a  Consent Judgement Entry  was filed dividing assets and debts between each of us. The agreement was for our assets to be divided equally and any joint accounts to be mitigated to the other account holder as sole ownership. All was completed except for  XXXX   XXXX  's role on this account with  XXXX   XXXX . Once I attempted to pay the account off, her signature was found to be required, because  XXXX  never signed the account over to me in sole ownership. A motion to show cause was filed, and  XXXX  was found in contempt of court, and is now the sole owner of the  XXXX   XXXX  Account.  XXXX   XXXX  continues to contact me, and threaten me by phone, mail and email to secure my belongings, garnish my wages, and imprison me. They are also reporting negatively on my credit report. Since I owe no balance, this must be removed immediately. I recently was denied a loan through  XXXX   XXXX  as a result of this negative information and high balance being listed on my report, and my APR went from 10.9 % to 18 %. This is due solely to this mistake. Since this is happening, I am seeking a settlement for damages from   XXXX   XXXX   XXXX   which they can bill to  XXXX   XXXX  's attorney  XXXX   XXXX , who has agreed to pay this law-suit of {$25000.00} in full to avoid being dis-barred for credit fraud, and imprisonment for violating my rights under the fair debt collection practices act, and fair debt reporting act.
My credit line with Discover was lowered from XXXX to XXXX not too long ago, they claim a recent review of account/credit score is the reason for their decision. However, the account has been paid on time and never over limit since opening and if anything, the credit line should have increased. At the time of supposed review, the account was paid off with a XXXX balance. Please note, at time of account opening the agreement did not state I needed to maintain a certain credit score in order to keep the XXXX credit line. Please do not mark this as duplicate as there is additional information not previously disclosed.
Credit Systems International Keeps reporting erroneous information about me, though it has been proven that I dont and never have lived in XXXX XXXX. 
All three credit reports show a {$460.00} collection from " credit systems international '' I have NEVER had an account with them. 
Upon further investigation I find it is related to a " XXXX XXXX XXXX '' account, some type of electric utility company. 
For the past 20 years I have had only two Electric accounts ... XXXX in XXXX, which I still Have at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXXXXXX XXXX 
both have always been in great standing and the highest bill I have ever had with either one has been about {$180.00} in a month. 
The Credit reporting agency refuses to fix this problem even though they did verify that I never lived in XXXXXXXX XXXX ... They were reporting that I had lived there based upon this Utility company saying I had. After verifying this info and removing the address in XXXX from my report, they still are accepting this info from Credit Systems International saying I owe for electricity in XXXX. 
I cant get any satisfaction from This Credit Systems company as they will not talk to me unless I give them my SS # ... I have nothing to do with them and I don't randomly give my SS # to any company that desires it. 
I would have been contacting these companies dealing with this, proving I never lived there ... before it even occurred if I had known, but XXXX XXXX XXXX, nor this Credit Systems international ever mailed anything to me at my address..XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, mailing address XXXX  XXXX XXXXXXXX XXXX XXXXXXXX for the past almost 20 years..and a House I own in XXXXXXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
I did receive some phone calls from a collection company which I now feel it was Credit Systems but before they would tell me what it was about, they wanted my SS # and birth date, I don't know about you but I had no dealings with them, therefore I wasn't giving my info. Those companies could have looked on the credit report that they received and used my address on the report, they are the ones who put the erroneous address on there some how. 
Why The credit reporting agencies accept addresses randomly like that is beyond my understanding, and then the consumer has to jump through hoops to get it off there. 
Please help me get this stuff off my credit record. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Nationstar LN XXXX XXXX XXXX CA XXXX This is a HAFA short started XXXX/XXXX/16 with Nationstar. Nationstar set it up in their auction system and the auction was completed on XXXX/XXXX/16. On XXXX we were finally told that the current offer we have in place ( that was submitted at the beginning of XXXX ) had 'won ' the auction. We got the required addendum and HUD in to the negotiator the NEXT DAY - XXXX/XXXX/16. It is 2 weeks later and we have been waiting on an approval letter since then. On XXXX/XXXX/16 the negotiator said they had to fix some internal valuation document. Now, today, he is refusing to work on the file or even review it to see if they have finally have everything they need to issue the approval letter that should have been started on XXXX/XXXX/16. 

Nationstar at this point is outside of Treasury HAFA guidelines by more than 60 days. Today we get a snarky email from the negotiator stating basically he has other work to do and he will get to it when he gets to it and we can shut up. 

This is unacceptable. Treasury Guidelines state there must be a decision within 30 days. Nationstar continues to make up excuses to further defraud their investor - likely they are mad they are n't getting the 5 % Buyers Premium from their fake and fraudulent " auction '' program thru XXXX - which they have recently changed names to XXXX.
XXXX XXXX on behalf of XXXX XXXX appears on my credit file as a pay day loan company in which I have not applied or requested no loan on loan. It seems to be some scam going on with Experian and XXXX XXXX to get people to do on line pay day loans. I'm filing a complaint with the US Attorney as well as the UD Justice Department on Clarity and Experian and XXXX XXXX. There seems to be a pattern with XXXX XXXX on my credit report I'm opt out for promotional or marketing on my credit file. Experian seems to be violating my OPT out rights. I'm not trying to her no XXXX about this and that.
XXXX did not provide adequate verification for debt question. no documents were provided showing a contract or signature
Vehicle sold in XXXX submitted to XXXX and resubmitted online in XXXX. Was involved in an accident in XXXX, the collection agency was sent a letter and was given information via letter, phone whith copies of original documents. To prove the vehicle was transferred.
I have unauthorized inquiry on my credit report that I need removed. I have tried working this out with customer service with no resolution. I have attempted contact multiple times. I have notified company that I have been a victim of there inquiry issue. I wish to have these inquiry removed
I have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Transunion has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, TransUnion must provide me with a copy of the original contract signed by and obligating me to this debt. If TransUnion can not provide such proof of debt validity, the account must be deleted form my report. TransUnion has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Account Status XXXX # XXXX Not Validated XXXX XXXX # XXXX Not Validated XXXX  XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX # XXXX Not Validated XXXX XXXX XXXX # XXXX Not Validated XXXX/XXXX XXXX # XXXX Not Validated
In XXXX XXXX, I received mail from Citibank with a promo code that if I opened a Citigold accound with them and met certain requirements ( maintaining min {$50000.00} in account or paying monthly fees on the account, using the account for automatic bill pay, using the debit card with some minimum spend etc ), that I would be awarded XXXX XXXX XXXX miles. I opened the account and met all the requirements by XXXX XXXX. All my paperwork from the opening of the account has the promo code and the terms of the promotion. I was told it would take 90 days after the requirements were met for the miles to post. On XXXX XXXX, XXXX, the miles had not posted. I was told to wait until the next cycle XXXX XXXX. When the miles did not post on XXXX XXXX, I was told that in fact, I was not registered for the promotion and would not get the miles
merchant name, XXXX XXXX base out of XXXX, they sell financial instrument and offer forex trading currency. bitcoins, this merchant is not register in the usa, they are not allowed to offer any type of services to people residing in the usa nor citizen of the usa and not allowed to accept funds from usa financial institution. they have violated their regulation and defraud me and manipulating documents to scam me. at first I open an account to get electronic currency as they have promise, however they never render any services, they install a robo access for trading with out permission and they charge my bank card from TCF BANK without my authorization. I file a complaint and dispute those charges made unauthorized by the merchant to TCF BANK dispute department and send all evidence include email to cancel services, they have fail to understand the situation and the fraud by the merchant, TCF BANK fail to reevaluate the dispute, they just closed the dispute base on false documents and scam from the merchant, the total amount was taken from my bank card TCF was {$12000.00} plus bank fees of {$340.00}, I 'm asking to please help me to get the money back.
XXXX XXXX is listed on my credit report as a collection account. They claim I owe money to XXXX XXXX. That is not true. I have not lived in XXXX XXXX for almost a year. When I did live there, I always paid my rent on time. I stayed through the term of my lease, and I gave several months notice that I was moving when my lease was up. They never refunded my security deposit, and I do not owe them any money.
On XX/XX/18 I received a misunderstanding a report of {$92000.00} by a debt collectors of " Transworld Systems Inc for XXXX merchant company which I called denied it.I find out if I contact you, you can help understand that situation.
In XXXX of 2014, a debt collector working under STP attempted to contact me at work. When I spoke to them during work hours, the rep told me that if I chose to not take care of the debt today that they would send someone to pick me up that day and proceeded to ask if my mother ( and asked about her name ) would be home that they would be waiting there too. I spoke to a supervisor at that time and she took my card information down so that they can retrieve the funds. I received a call from my father today claiming someone called him on his cellular phone, which I never provided. I call the number ( XXXX ) XXXX and the rep I spoke to was from a law firm that STP hired to settle this matter in court and that I never finalized payment. I agreed to pay off the debt on the phone in payments. I look up the number after the conversation and it is a debt collector. The way they contacted me, my workplace and my father was not right.
Wells Fargo has done this so many times, I ca n't believe it is legal, I told them, i know it is illegal on personal accounts, but on business accounts, there seems to be no regulations, they even tell me that i can not make it so it does not OD when using my Debit card. XXXX Attached is just one example of how they move things, the XXXX charge was made in XXXX az, the XXXX charges, small, were made in XXXX AZ, a XXXX drive, there was at least 6 hrs difference in the small transactions, I 'm not sure if they did a XXXX fee on their XXXX fee for using a non WF ATM ... ... ... ... They need another investigation as this is just crazy, they also, have for the last couple months, holding my checks up to 7 days, and sense i got past the 30 day mark, they have never held a check, unless there was a real reason, as really large or from XXXX, now they give all kinds of reasons as to why they hold them, in person they just say that its because it is from a different bank, well for the past 2 years that did not make a difference, then online, it will give different reasons, the last one was held, and they put that the endorsement was different, even though it is the same as it has been for 2 years, the one before that they held it saying that the deposits have been different ... ... WHAT!!!