WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a XXXX XXXX XXXX  card by recommendation from credit building program called XXXX credit in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX
I disputed these Items several times with Experianand they did not comply with 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
My pay was garnished by XXXX XXXX XXXX on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my short term XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.
Send 3 letters to Experian, XXXX, and XXXX XXXX On my Credit report there was 4 name on it that wasn't mine and a social security number that was not mine. Wrong phone Numbers. XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXXXX/XX/XXXXXXXX XX/XX/ XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/ XXXX XXXX XX/XX/ XXXXXX/XX/XXXX XXXX XX/XX/
Hello, I have a history of on time payments, my percentage is at 99.4 %, for some reason my re-occurring minimum payment was not being taken out of my account. I would like for this one late payment to be removed because it is affected my score in a negative way.
My credit report shows several inquiries for new lines of credit that I do not recognize, 3 are from the same company/credit card bank. And also XXXX XXXX where I was in a fraudulent issue in XXXX, it is still showing in a very negative impact on my report. Ive have numerous issues with my cell phone also in reference to my bill being a huge amount. Was in a fraud investigation with XXXX and they said they could not find anything, actually 3 times with XXXX. With XXXX XXXX XXXX I received paperwork by mail in which I returned and then I received a letter stating they did a thorough investigation and found it was fraudulent activity and I was not responsible for any amount charged. I feel like someone has actually taken my identity now that I think about everything that has happened over the last 2 years. Also, I was in a XXXX claim since XXXX and just now have been deemed XXXX XXXX XXXX. Im not familiar with this type of issue of fraud, so I am not sure what to do. But when I received an email and have been receiving several emails saying inquiry on my credit report, I really didnt pay any attention and thought it was just spam. So, I really do not know how to proceed with this or where to start. And it is not just XXXX XXXX that I have a problem with, there are several others, some I mentioned within this note and there is also one on my credit report that has an address of Delaware or Maryland and I am not for sure the name, it was abbreviated on my report. Thank you XXXX XXXX XXXX
XXXX  stated that they were able to verify a bankruptcy on my report dated XX/XX/XXXX from XXXX XXXX XXXX, Per XXXX my reports has been frozen as of XX/XX/XXXX and they have not shared any information on my credit file to XXXX, I also contacted bankruptcy court and they stated they do not share any information to any third party including credit bureaus. In my request for validation I have found that XXXX and Experian has falsified verification process information from a third part and not from the sources whom to which has confirmed not sharing any of my information with them and or any third party.
Equifax has deliberately " re-aged '' XXXX of my old credit accounts ( # XXXX and # XXXX ) and illegally continues reporting adverse information on those accounts, causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
Previously, Equifax was reporting the First Delinquency date of XX/XX/XXXX ( as clearly shown in earlier credit reports from this company ). However, Equifax later illegally changed that date to XX/XX/XXXX in my credit file, which is in violation of the Fair Credit Reporting Act ( FCRA ). Equifax also failed to remove the adverse information from my credit file, as required by FCRA ( 7-year reporting limit ). The continuous reporting of the incorrect information beyond the legally allowed timeframe also unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.
I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made all my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
Hi, I 'm the co-signer for my brother 's student loan. We received the loan from XXXX, who ultimately handed processing over to American Education Services ( AES ). While XXXX was handling the loan we had no issues. They were very quick to reach out to me by phone whenever a payment was past its due date, and genuinely seemed concerned with us keeping our account in good standing. Once the loan was handed over to AES, however, the experience changed entirely. In short, its quite clear that AES ' main goal is to make it as difficult as possible for borrowers to make payments on time. For example, they stopped XXXX 's practice of calling to alert me of past due balances. Second, they make it extremely difficult to set up auto-pay by a. Requiring the borrower to APPLY for direct debit ( how this makes a shred of sense is absolutely beyond me ) and b. keeping the entire application and signup process entirely through the paper mail. This would have been understandable in the mid 1990s, but there is absolutely zero excuse for doing either of these things as a matter of business practice. It 's simply a thinly-veiled attempt to trip borrowers up, reduce the chances of payments being made on time and therefore increase the chances of collecting higher fees. It 's despicable and it needs to be addressed. Thank you for your consideration of this issue with AES, and I sincerely hope the CFPB is able to force these servicers to conduct business with basic standards of integrity.
Hi I have called ans sent multiple inquiry removal letters and called to the companies listed and to XXXX XXXX/XXXX/XXXX. I had a fraud alert placed on my credit file that indicates anyone who runs my credit would need to call me and that was n't done and that violates my rights as a consumer .I have reached out to the credit bureau on more than one occasion to advise them of my credit being pulled without my permission. And nothing has been done XXXX XXXX XXXX I XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Permissible Purpose : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX
XXXX XXXX in XXXX South Carolina calls me twice a day and calls all my references every day. I asked them not to call my references everyday but they said they were told to by there supervisor.
RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. <P/>I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,
WORLD FINANCE CORP. IS OVER THREE YEARS ACCOUNT AND THEY STILL REPORTING ME ON MY CREDIT REPORT. CAN WE DISPUTED ON MY ACCOUNT SO THIS MATTER CAN BE CLEAR.
My problem involves Coinbase ( who runs a crypto-currency exchange licensed under various state laws ). I am a New York resident. 

Since XX/XX/XXXX, I have lost access to my Coinbase ( https : //www.coinbase.comXXXX ) account and am unable to ( i ) withdraw my US dollar funds held by the company, and ( ii ) access the XXXX form prepared by Coinbase for my tax preparation. 

After numerous phone calls and providing the company with the various documentation that they requested, the call center representatives of the company refuse to take any meaningful action or give me an estimated timeframe regarding the resolution of the issue, beside saying that a specialist will handle my case, but they have large backlogs.

The problem was initially caused by the fact that my old mobile phone has been broken and I had lost access to my Multi Factor Authentication app. I was using 2 factor authentication via the XXXX XXXX app. 

The issue is simply a matter of identity verification. I have previously provided the requested ID documents, bank statements, utility bills, demonstrating my identity and address. Likewise, I continue to use the same mobile number and email.
While in the process of trying to refinance my home, I found out on XX/XX/XXXX, that I have a lean in the amount of {$21000.00} from FHA/HUD. I made a few phone calls and found that this happened while modifying my loan with Ocwen Loan Servicing in XXXX. A modification that I feel I was forced into ( later ). I reviewed the documents of the modification and nowhere does it state that a lean will be placed on my title, nor anything in the amount of {$21000.00} of being owed at all. It shows the old and new principals, and the monthly payments and rates. I was forced into modification because while awaiting a XXXX hearing I became late on my payments around XX/XX/XXXX. When I reached 3 mos. past due, they refuse all payments, even those above a full monthly payment, and threatened me with foreclosure. They even refused to send me monthly statement for the months of XXXX andXX/XX/XXXX because I was behind.
I have inquiries on my equifax that i did not authorize they arent linked to any accounts on my credit file. I advise them of the discrepancies but all they did was send me a letter. Stating that companies can pull your credit for offers
I have been trying to contact Midland Credit Management regarding collection issues. I have notified Midland several times advising that they are not providing the correct amount of what they allege I owe from a loan that they received from XXXX. I had requested that Midland provide copies of the original loan, any vouchers I have signed and/or transactions as well as the interest changes to the account which they should have from the original loan. To date, Midland has failed to do so and they continue to report an inaccurate amount to the credit reporting bureaus. I have notified the credit reporting bureaus of the discrepancy but Midland continues to state that I owe the amount of {$7200.00} which is vigorously being contested and disputed. As a consumer, I have rights that are being violated by Midland and I will have to resort to seeking legal counsel in this regard since Midland has not agreed to nor have they provided any proof of their inaccurate reporting to the credit reporting agencies. 
Midland has a duty and obligation to provide the information I am requesting in order to provide accurate and correct reporting of the debt they claim I owe. If they continue to ignore my requests since I have reached out to them several times, I will have no recourse but to consult with legal counsel as I believe I am being discriminated against because Midland has placed my account in collections but have not provided accurate documentation of what the correct amount of the debt is.
My credit information has been compromised through two companies : The XXXX XXXX XXXX XXXX XXXX KY and XXXX. I was advised by my bank to contact Trans Union to find out my credit score, install a credit alert system, and freeze my information. I had to sign up to pay {$19.00} for a monitoring service through Trans Union to access my credit score, and once I did that, I still could n't learn my credit score or freeze my information. I do n't know what else to do to protect myself or to learn my credit score. It 's possible that I have misunderstood some portion of this process.
I had borrowed sufficient funds to pay off the credit cards I had open with American Express. I contacted the company thru the customer service line. I spoke to the representative on XX/XX/2018, and determined that from his statements, and the billing statement that I had received, that the payoff total for the card was {$13000.00}. That total was paid to the company, that day, using my bank transaction routing, and I paid additional charge of {$9.00} to verify it was sent that day. This was due to the next day being the due date. A week later, I received another invoice from American Express, indicating I still owe XXXX. I reached out to the customer service line, again, and this time was basically told it was consistent with company policy to charge me interest, even though it was paid off. I am currently refusing to pay that amount, as I had already paid off the card a week previous, and on time previous to the next billing cycle.
American Education Services ( AES ) was the original " gate '' loan provider in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was provided no option to decrease the payments due monthly so they sent the full loan to a debt collection agency without notifying me of what agency, so that I can start making payments. Instead in XX/XX/XXXX, I began receiving countless harassing calls from XXXX XXXX XXXX. 

I could only presume that this was the group that took over the collection of my payments, and so in turn emailed and called XXXX XXXX XXXX requesting to make payments via their online portal. Without this as proof of payment, I was making payments over the phone without any follow-up proof of payment provided. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX 's XXXX XXXX, stating that my account with them was in fact closed, and returned to AES. This same letter indicated that any mark on my credit score should be deleted from my credit report as I was unable to reach there company to make a payment. 

Since in receipt of this letter in XX/XX/XXXX, I have attempted to make repayments via AES, as indicated in the letter. However, I was not able to do so according to AES representatives and I was provided with no additional information. 

In the past 2 months, I have begun to get new robo-calls from 3 new groups, stating they are now the collectors of my payments of the original gate loans from AES. Those companies are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Again, I was never told this by AES, nor was I in receipt of any notice that my collection is now with these companies. I called AES today, XX/XX/XXXX, to get clarity and check on why my credit report indicates there is still an issue of delinquency. 

The employee noted that since XX/XX/XXXX, my loan was now in collection by XXXX XXXX XXXX  ( XXXX ). When I called this number on XX/XX/XXXX, it goes directly to voicemail to a company called XXXX XXXX XXXX XXXX. Online, this company is listed as yet another name -- XXXX XXXX XXXX. 

My complaint is against AES specifically for their mishandling of my gate loans, filing a severally damaging credit report, and the companies AES sends loans to for collection. 

To date, I have no clear indication of the company to which I should be making payments and no statement on the history of the loans -- including payments made over the phone to the original debt collection agency, XXXX XXXX XXXX XXXX XXXX.
CITICARDS CBNA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CITICARDS CBNA along with a notarized affidavit claiming fraud. CITICARDS CBNA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CITICARDS CBNA to close their files which have any information with my name & social on it ...