WillisBack/dataset-financial-user-claim huggingface dataset:
Awhile back my identity has been compromised and this was reported prior to this complaint. Some accounts came back as verified but my never any physical documentation nor the means of method used to come to such an conclusion as stated within the FCRA, me as an consumer is entitled to this information if not then the following accounts shall be blocked/ deleted immediately. Accounts are as following, ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX, ( 3 ) XXXX/ XXXX XXXX XXXX, ( 4 ) XXXX , ( 5 ) XXXX XXXX XXXX , XXXX, ( 6 ) XXXX, XXXX, XXXX, ( 7 )  XXXX XXXX XXXX , XXXX, XXXX, ( 8 ) XXXX  XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
On XX/XX/2016 US Bank Home Mortgage received a check from me in the amount of {$99000.00} to pay off US Bank home loan # XXXX. Instead of immediately processing the payment and applying it to my account they sat on the check and it was applied to my account on XX/XX/2016. As a result they collected additional per diem interest from me in the amount of {$11.00} per day. I can understand it taking them 24-48 hours to process a payment but they allowed 4 business days to pass plus one weekend.
The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.
TransUnion is reporting a Paid, Federal Tax Lien that has been withdrawn by the IRS on my credit report with them. I have received a Form XXXX Certificate of Release of Federal Tax Lien and Form XXXX, Withdrawal of Filed Notice of Federal Tax Lien from the IRS, which I have sent to TransUnion twice. Most recently I received a letter from TransUnion dated XX/XX/2016, and the tax lien remains on my credit report. 
It is my understanding under the XXXX the IRS will allow Withdrawn Tax Liens to be removed from credit files, which is what I have been requesting TransUnion to do to no avail. XXXX and XXXX have both removed the tax lien, I see no reason why TransUnion will not.
I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your Equifax. in accordance with the Fair Credit Reporting Act, 15 USC section 1681i. 

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 The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
I was unfairly treated for a possible Loan Modification or a Refi. by my Bank JP Morgan Chase. We have been unsuccessfully since 2011 trying to get this done with them to no prevail. I have documentation that shows a pattern of unprofessionalism with regards to obtaining either. Also I have experience a unwillingness to help in this matter from the bank. Only to have them try to Foreclose on my home twice now in the last 6 month 's. 
This experience has been very stressful and nerve wrecking. 
I have experienced all types of unprofessional persons form within the Chase Mortgage Realm that could be listed as border line Monsters. evil persons with no Business Ethics at all My documentation will show a pattern of this behavior with brings us too why we are here today.
I am writing in regards 'default ' judgment against me back in 2008. XXXX XXXX XXXX purchased old debt, which the original creditor filed bankruptcy on. When they tried to collect the money from me, the violated many of my consumer rights and have sense been reported ( and corrected by ) to the Federal Trade Commissioner. Had my rights not been violated and I understood what was happening, they never would have won the case. 
I am writing to see if you would consider removing the judgment from my credit report. It has been satisfied and scheduled to be removed in 5 months anyway. XXXX was removed the judgment without my request due to the violations, I believe. I am wondering if you would consider doing the same?
I have placed 2 security freezes with all 3 Bureaus and I am still having inquiries. I have also been informed I was part of the breach where my info including my license number was exposed.
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

capital one XX/XX/XXXX closed XX/XX/XXXXXXXX XX/XX/XXXX
In XX/XX/XXXX I was a victim of card theft. I report my card stolen and Bank of America advised me they would close my account as a result of the incident. Which I did not have a issue with. It is XX/XX/XXXX, I am XXXX XXXX XXXX   and trying to open a bank account so I can get things in order for my family. I got rejected due to being flagged by a system called " XXXX XXXX ''. Bank of America failed to advise me I owed a balance of {$2.00} before they closed my account and placed me on the " risk '' list. Really?? I'm a risk because of a XXXX $ overdraft. When I spoke to the rep she said they do not have to advise me of how much I owe because its my responsibility to know. When the blocked my access online so I was unable to check my account balances and no on told me this when I closed the account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX are currently double reporting on the same debt. Not only are they double reporting, XXXX XXXX XXXX, is also included in my Bankruptcy discharged docket # XXXX. This is in clear violation of the Bankruptcy Law Act.
This company has my cell phone number, email, and physical address but they keep calling my work line every single day after i've asked them not to call my job
I XXXX XXXX received a letter by the Federal Trade Commission stating that Ameritech Financial is a fraud and has been taking money away from me and none of the payments have gone to my student loaner. I am frustrated because I been a costumer for a very long time now. I gave them my personal information and am scared they will use it.
I received a voice mail on XXXX/XXXX/15 and XXXX/XXXX/15 from XXXX XXXX with XXXX XXXX XXXX stating that they will file charges on me and take me to court if I did n't respond within 72 hours related to a debt they supposed to have bought and it is now in their office. I have not responded to these calls because I don not live in XXXX County where they are supposedly filing a suit. I do not know what they are talking about because I have not received any notifications from these people via mail.I believe these people are scam artists or at least using illegal tactics trying to get money. When I looked up the number for the caller ; I see they used to be XXXX also NE Processing.
Capital One Auto Finance continues to report an auto loan that is a result of identity theft. I have disputed this account and have submitted my identity theft report and they have yet to conduct a proper investigation. I'm not arguing that the account does not exist but it wasn't open by me. There's no signed contract bearing MY signature agreeing to this account. The reporting has hurt my credit rating and defamed my character.I have suffered damages because of the inaccurate reporting of this account.This is clearly violation of my rights as a consumer under the FCRA
Chase issued a Amazon.com visa signature card without me applying for it after they sent me a letter that they had insufficient documentation for issuing that credit card, for which i have never applied.
Earlier this year I discovered that my electric energy supplier had been switched without my knowledge or consent. I immediately contacted my desired supplier and my supplier was switched back at the conclusion of the next billing cycle. 

Shortly thereafter, I received a bill from XXXX XXXX ( " XXXX '' ) for {$99.00} representing an early termination fee. I contacted them, told them I never approved a change and asked them to cancel the invoice. They refused and referred the invoice to Transworld Systems , Inc. ( " TWI '' ) for collection. I advised TWI of all above facts. On XX/XX/17, TWI supplied me with what they referred to as material they received from XXXX. Such material consisted solely of a copy of XXXX 's invoice. This hardly supports their contention that a contractual agreement existed. 

By letter dated XX/XX/17, TWI also asserts their right to charge accrued interest and " other charges as provided in your agreement with the original creditor or otherwise provided by state law '' This appalls and frustrates me since there is not nor ever was a contract.
I have disputed several items on my credit report with Equifax over the past year. Equifax continues to allow items on my credit report, that has not verfied and has not provided verifiable proof of alleged debt, nor did Equifax receive the information from original source. If Equifax would have conducted a proper investigation as per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and605. Requirements relating to information contained in consumer reports XXXX - Equifax would noted that the Bank XXXX XXXX XXXX Account # XXXX is still reporting after 7 years. 
Equifax has not allowed me to dispute nor allowed me to provide any information via there website to prove that XXXX has been paid and XXXX has agreed to remove this account off my credit report. XXXX is also reporting after 7 years. 

I have disputed ALL XXXX judgement requesting that Equifax provide me with verifiable proof of said judgments which they failed to comply as per Section XXXX and Section XXXX.
Citibank sent a letter to me stating that I had been enrolled in their Identity Monitor program without my knowledge. They stated a link in the letter to submit a claim for repayment of the charges. When I tried that link, it did not work. I called CitiBank and talked to their customer service representative. I was told by that person that if I could not access the link provided, I could not file a claim to receive a refund. I have been a customer of Citi for years, but if this is the kind of customer service they offer, I think I will close my accounts.
There is incorrect information on my credit report from a company called XXXX XXXX. It is showing me as having been 30 days late. I dispute this, AND the company disputes it. I even have a letter from the company certifying that I was not late on this payment, but multiple dispute attempts leave it on my credit report. It only shows up on Experian as late. The company at fault appears to be Experian and not XXXX
I used to have this credit card ( Chase Freedom ) account since XXXX XXXX, 2012. And it is one of my oldest accounts. I applied for a chase XXXX credit card and was declined. When I received the decline letter in the mail got also a card cancelation letter for my Freedom. for " number of accounts currently in use '' ; " too many accounts opened recently '' My credit score is XXXX. I did not do anything wrong. This is ridiculous technically they are XXXX my entire financial situation and credit record with no real issue.
I currently bank with us bank and was a victim of fraud where someone cashed checks out of our business account. I filed a claim with the bank and went through a lengthy paperwork process and got the funds refunded back to me. Then few months after the same thing happened and I went through the same process of filling a. Claim and police report. After 2 months I get a letter stating my claim was denied. I contacted the bank immediately and was told that in the claims paperwork was a form called the indemnity Agreement which relieved that bank for any future fraud. At no point was I explained what I was being asked to sign nor was I ever told to close my account down. I have been left high and dry by my own bank and has put my business in a financial bind due to the non reimbursement of the fraudulent charges.
I signed with a company in XXXX, Ohio to fix my roof. They Signed with Greensky Trade Credit in XXXX, GA for a 12 month same as cash loan. Greensky never billed me until XX/XX/XXXX which was after my daughter and son both called on separate occasions to get a bill. They charged me two late fees of {$39.00} each for XX/XX/XXXX and XX/XX/XXXX. I never knew about a bill and was waiting on it to pay. My son spoke to their representative about the bill and why we had not received one and they waived one late fee. They never mentioned the first late fee and we were not made aware of it until after paying the loan off. My son called on XX/XX/XXXX to try to get the money refunded and spoke to XXXX who made no sense and stated their records show that bills were mailed out in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That was never told to us either until we called asking for a refund. XXXX would not authorize the refund nor would he allow my son to speak with his boss. He only said their information is public and my son was welcome to look it up. He said this is " Only {$39.00} '' but I am XXXX years old and this is just wrong. They never billed me and I believe he is lying about the billing.
I was charged XXXX from a place called XXXX. I never signed up for this. There are many sites to look at such for free. I discputed these charges with Discover Card and all they told me is that XXXX told them is that the charges are no fraud since the card has my name on it which associates with my email. They also told me that they sent me a Welcome letter in email and several other emails. When questioning to recieve such emails XXXX has yet to supply such and Discover Card keeps telling me I subscribed to this company on XX/XX/2013. At that time I was in the process of going thru with a home purchase, so why would I sign up to look at foreclosed homes. Discover card refuses to write off these charges that I never authorized. Funny how XXXX says your never liable for unknown charges, yet they are screwing me over
XXXX XXXX, XXXX, i attempted to fill out the online dispute form and submit docs - was denied twice and told to submit by mail only - then there are more than one po box listed, which means they are trying to confuse people on purpose. 
i am trying to send them a debt validation letter, along with a copy of my current UCC1 financing statement, which should compel them by law to erase any delinquencies. I am ultimately seeking to open a secured credit card with my new credit union and that can not happen if experian continues to evade receiving my documents. 
Thank you.
I have been contacted repeatedly by several different debt collection agencies about a debt owed to XXXX XXXX XXXX, XXXX, Pa. by an XXXX XXXX. I do not know how his name got connected to my cell number as I have had the number for 7+ years. I told the debt collection firms in XXXX, Ohio ; XXXX, Pa and the accounting department at XXXX XXXX that this is not XXXX 's number, that the only XXXX XXXX I knew is one that I arrested, that he is not at this number and to quit calling. Calls stopped for a couple of months and then I got one today from XXXX. I called them back ( and even though I blocked my number it was displayed to them??? ) Medical Revenue Service I explained this to the woman and she said that they just got the " account ''. She said that she would remove my number but the others said that too!!! I was recently informed by a neighbor that XXXX XXXX is XXXX, that he XXXX after an XXXX or something in the XXXX County ( PA ) jail. I informed these people of that. Someone needs to get the message across to XXXX XXXX XXXX and their debt collectors to get their information correct before they start harassing people and to get a system in place to remove bad information from the system Apparently this latest company buys bad medical debt and tries to collect, in this case they wo n't because XXXX is XXXX.
I was contacted about a debt that was supposedly due more than 2 years ago. The medical company was given full payment after insurance determination and then six months ago, they decided they want {$55.00} more without informing me as to why the barge was created out of the blue. Financial recoveries is not confirming the validity of the charge and the time frame allowed to make banged to already settled accounts before hassling the customer and ruining the bank balance and good credit. They must be prosecuted and not allowed to practice debt recovery.
I have been having fraud and identity theft problems. The FTC suggested I contact Equifax to get a credit report. When I contacted Equifax , they did not tell me I could get a free credit report. Instead, they said I needed to get Identity Patrol for a cost of $ XXXX/month. Three days later, I received an email stating I was no longer eligible and needed to get the Gold Watch protection for $ XXXX/month. When I called to ask about this, I talked to " XXXX '' who told me that some other credit company had put a freeze on my account and asked me a lot of vague questions about my credit without explaining why. Eventually, she said the account had locked up and I would have to email for additional information and she hung up. I was a little concerned because my emails had been hacked into. This did n't seem a secure method. Two hours later I called back and talked to " XXXX ''. He said the problem had been corrected and had been caused by XXXX. The only people I ever talked to were at Equifax. He said I only had to pay {$16.00}. When I explained to him that all I wanted was a free credit report and that that was never given to me as an option. He said there was little he could do. When I asked for a refund, he said he did n't handle that, it was handled by billing in the back-office. I then spoke to XXXX XXXX who said there would be an investigation and I should get a refund in 7 to 10 business days. He gave me a reference number of XXXXNone of these people were helpful, polite, or professional. They all wanted to argue with me.
An account Last Reported on   XXXX   XXXX   XXXX     by the  Collection Agency  called  XXXX   XXXX   XXXX   XXXX  from the Original Creditor  XXXX  still has not been removed from Transunion! I has already been removed from   XXXX   and  XXXX  and yet i am still here fighting with Transunion! They do not care that their reportings can affect you in everyway possible form jobs to housing and everything in between! This Is not right is is in no way legal. They should take tips from the ot her 2 agencys a nd take care of matters the right way and faster!
Public record of bankruptcy is showing on report. Court has verified that they didn't verify this information to bureau. In fact law states only last four of an individuals social security will be reported to public record. The bureau has failed to provide verification and I dispute the accuracy and compliance. I have requested written verification as well as a signature by me to verify. There is no such debt.
FirstData ( merchant processor for   XXXX   XXXX   ) allowed a customer to order my product and have it shipped to the billing address on record and keep my product and do a chargeback thus also taking my hard-earned money! I was told to supply a tracking #  XXXX -US USPS Overnight. Which I did. Now, I 'm told that I did n't provide tracking information and that I should fly out from California to Ohio if I wish to take this up with the customer directly. FirstData is saying that my proof of compliance with   XXXX   requested information is insufficient.
Desired Outcome : I want {$410.00} placed back into my account asap.
Thanks,   XXXX   XXXX  , Owner   XXXX   XXXX
In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to  have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.
Ally Financial calls daily on a truck loan I consigned for my son. He is delinquent on his payments and will not tell me his address or make contact with Ally to ask for help.

My issue with Ally is they are now calling my husband whom is not on the loan and has no role in this loan. I specifically told Ally not to call him as this is a privacy violation.
I contacted Citibank about a balance transfer issue and complained about the length of time it was taking to post my transfer. They said because it was a new card it could take 14 days. However, I reasoned, that because they had just " borrowed '' from my credit limit from another Citi account, it essentially was not a new card, they basically split XXXX account into XXXX. Meanwhile, this is costing me interest with the account that I am trying to transfer.
XX/XX/XXXX, {$760.00} deferred interest charge. I spoke with 2 representatives on XX/XX/XXXX and I was told the deferred interest could only be waived if I paid the balance in full. 

In XX/XX/XXXX, I went to a dentist and was offered Care Credit because I did not have insurance. I was told by the dentist it was interest free and they paid the interest. Neither she nor her office personnel explained to me that I would have to pay deferred interest if balance was not paid in full, nor was I ever explained to about any promotion. I am a XXXX citizen on limited income. My XXXX statement shocked me when I saw what I was charged for interest from the time of purchase when all along I thought the interest was paid. I would have never accepted this offer if I knew this from the beginning. I truly believed when I was enrolled what the dentist told me, it was interest free.
Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed XXXX  via XXXX XXXX, disputed Experian and XXXX  via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on XXXX  and Experian XXXX Collection still on XXXX  and Experian XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with Experian- XXXX XXXX  XXXX Collection reinstated with XXXX  - XXXX XXXX