WillisBack/dataset-financial-user-claim huggingface dataset:
The company XXXX XXXX XXXX has placed their information against my social security number and it 's causing great harm to my credit report. I have tried to explain to this company that this account is not mine I have not signed a contract with them.. I tried to explain to this company via online and through the credit reporting agencies that these accounts ( ending in XXXX and ending in XXXX ) does n't belong to me. They only sent me a bill with no signature on it. No copy of terms of the agreement per my request. No transaction history and no billing history which shows some crazy balance amount for both accounts. This is on my credit profile and it is holding me up and it 's not my responsibility. This company is a scam and does n't care about consumer rights. They do n't answer their phone at all and have not provided the information I have requested as a consumer.I am not able to pay this account as it 's not mine.
Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed XXXX auto loan account is reporting a late payment in XX/XX/2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being pregnant and many complications. Please advise, thank you and XXXX bless. 
XXXX Account # XXXX ....
On XX/XX/2015 I received Notice of Acceleration and Forclosure from XXXX XXXX, XXXX on behalf of Select Portfolio Servicing.On XX/XX/2015 I responded with A Validation of Debt letter.A notarized copy of the Validation of Debt letter was faxed to XXXX XXXX, XXXX, XXXX number XXXX certified copy was also mailed to SPS and XXXX XXXX XXXX XXXX. On XXXX XXXX i received a certified letter from XXXX XXXX, XXXX stating that no documentation in regards to my request would be provided. Because I did not respond within the FDCPA 30 day time frame. This is clearly untrue. I have attached the Notice of Sale dated XX/XX/2015, Notarized Notice Of Validation of Debt dated XX/XX/2015.which was faxed and sent certified mail to XXXX XXXX , XXXX and Select Portfolio Servicing. 
FDCPA states : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX SSN : XXXX D.O.B. : XX/XX/XXXX Credit bureau Transunion, XXXX, XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX
i have many inquiries on my credit file that i did not authorize. on my experian report there are XXXX reportings from XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX i contacted XXXX and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint
I have a Chase credit card. Upon receiving my bill for XXXX 2015 amounting to {$2700.00}, I paid the next day {$2700.00}, intentionally leaving a unpaid balance of {$83.00} I used my internet XXXX banking account. The XX/XX/XXXX bill showed an interest charge of {$14.00} on an unpaid balance of {$1000.00}! I called Chase to question where they came up with this amount. She said it was based on your average for the month and could not explain it any better to me. I feel if I paid all but {$83.00} I should be charged interest for JUST this amount for the XXXX days it was carried over till next month. I think this is a scam used by credit card companies. If Chase has XXXX XXXX card holders and they do this to everyone that has an unpaid carried over amount, they make a lot of extra money each month and is vary unfair to card holders. I bet few people realized this is going on and do n't question the excessive interest on their bills each month. I read the recent article in XXXX magazine and felt it worthy of sending this note to you. Thank you for protecting us. XXXX XXXX
Dear CFPB : Please be that advised this statement and request submitted through the CFPB will serve as a formal complaint that Experian ( ( CREDIT BUREAU ) ) failed to properly conduct an investigation/dispute wherein the company, did not acknowledge my dispute, respond to my dispute, and failed to notify me of any results and/or updates regarding the disputed accounts within the federally controlled/allotted days of 30-45 days according to the Fair Credit Reporting Acts Guidelines of handling a dispute. My dispute was delivered XXXX XXXX, 2017 sent certified mail with USPS Tracking # XXXX As per my civil rights, the items I felt are inaccurate. It has been well over 30 days and I have received no reply. I have included a copy of my original mailing and my mail receipt for your records as well as mine to which I have submitted this dispute. Please take immediate action to rectify these issues. 
I look forward to your timely response and to receiving an updated copy of my credit report as per my initial request where the items in question should be deleted. TIME IS OF THE ESSENCE.
I had issues with US Bank on a recently closed escrow where I asked for impound accounts and they didnt to and charge me more money
XXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX HOSPITAL XXXX ) XXXX was fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report
XXXX XXXX XXXX, have sent a letter to my job in regards to garnishment for student loans and have already garnisheed 2 paychecks. I have never received and documents from them prior to them contacting my job. Then when I called they told me that they would stop the garnishment once they send out a letter to me and I have 30 days to respond. However, they just garnished another paycheck.
I OPENED A TD BANK ACCOUNT XXXX XXXX, 2015, WITH {$490.00}, AND SUBSEQUENTLY, TD ASSESSED ME " OVERDRAFT CHARGES, THAT THEY ASSERT I AGREED TO ALLOW, ( I AM A SENIOR XXXX YEARS OLD ). MY N.Y..XXXX. CULTURE SENSED THAT THIS HAD HAPPENED OFTEN TO NEW CUSTOMERS IN THE SAME WAY THAT THEIR REPRESENTATIVES, " DEMANDED '' ' I PAY THESE FEES '', ( MORE THAN {$170.00} THAT WOULD, " ZERO OUT ), MY ACCOUNT. WHEN I WAS PAYING SMALL AMOUNTS TO, MY-TD ), DEBIT CARD ; IT NEVER ADVISED ME THAT OVERDRAFTS WERE BEING MADE AND CHARGES WERE BEING ASSESSED OF {$35.00} EVEN FOR A {$3.00} XXXX ICE CREAM. THEY SAY I AGREED TO THIS AT THE BRANCH BUT I DID N'T UNDERSTAND THAT THEN. WHEN I SAID I WOULD CANCEL MY ACCOUNT THEY SAID, " THAT THEY WOULD NOTIFY EVERY BANK IN THE U.S. NOT TO LET ME OPEN ANOTHER ACCOUNT. CAN THEY DO THIS?.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures
There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on XXXX  and TransUnion and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently
Hi It looks like Wells Fargo is up to their old tricks again in banking services. I just logged into my account the other day and notice a negative balance on a checking account. When I go into transaction history for the last 18 months, all i see is money being withdrawn from one account and entered into this account for Wells Fargo to withdraw as monthly service fees. 

I submitted a complaint with them and I just got off the phone with this lady trying to only credit me back for 180 days ( 6 months of monthly service fees of {$180.00} from $ XXXX fees ). The account was opened back in XX/XX/2011 and at the rate of $ XXXX in monthly service fees this will come to {$2100.00}. I want every penny back along with interest. 

They tried to get me to accept {$180.00} and then {$300.00} of payment. I want every red cent back with interest. In these hard times and being charged all of this excessive fees which put my accounts in the red, causing other checks to bounce, etc I want to be fully compensated for this and them fine heavily to stop these practices of preying on consumers with billions of dollars of late/over draft fees from fradulent business practice. 

warm regards XXXX + XXXX XXXX My Wells Fargo Account in question is XXXX. I believe this account was opened with no fees attached then changed to have fees attached and the avalanche started
I have been disputing XXXX fraudulent charges with Barclay card since XX/XX/XXXX. Initially, they refunded all of the charges and " opened an investigation ''. I was never contacted to provide additional information. In XXXX, they closed the case and put the charges back on my account. I was not aware of this until I checked my account in XXXX. I contacted them to complain that nobody had even contacted me. They reopened my disputes and told me I would receive paperwork containing the merchant 's reply in " 7 to 10 business days ''. It did not come. I contacted them again. The person I spoke to said no documentation had been requested and that she would request it but it would again take " 7 to 10 business days ''. I still have not received it. I called again today, was again told the paperwork would be requested again. I verified the mailing address. I was told yet again I need to wait another " 7 to 10 business days ''. This process with Barclay card has been a nightmare. When I call, I have to go through the entire story again, nobody ever gives me the same information, and they wo n't let me talk to the disputes department. They have not issued any temporary credits so additionally interest is accruing every day. They really need a better dispute resolution process. XXXX has already lied to the police about this situation so having my credit card company causing additional stress is extremely frustrating. 
Out of the XXXX initial disputes, XXXX remain open. They gave me new case number today which are, XXXX, XXXX, XXXX, & XXXX. The total of these claims is {$12000.00} I am attaching the story of the events that took place leading up to these disputes. An associate, XXXX, President of XXXX in XXXX, ultimately stole over {$40000.00} from me. I have an attorney and have retained a private investigator who specializes in white collar crimes. Based on information thus far, I will not be able to recover any of the funds from XXXX, but I am intending to press criminal charges. I would not have trusted this person without the introduction through a trusted source, XXXX 's extensive resume, and his association with " XXXX ''. Based on those references, I trusted someone I never should have. I resent the fact that I have to spend additional money on attorneys and a private investigator, not to mention the time it has taken me away from my business. 
In addition to the above claimed amount, I have not been able to recover {$10000.00} from XXXX and {$12000.00} that had been wired from my bank account. The transactions took place from XX/XX/2016 through XX/XX/2016. 
If you have any questions please do not hesitate to contact me.
I have an item appearing from Caine & Weiner,  account # XXXX from XXXX XXXX XXXX for {$550.00} date opened XXXX/XXXX/XXXX reported XXXX/XXXX/XXXX placed for collection. I do not now, nor have I ever owed XXXX {$550.00}. I cancelled my service with them last year and they continued to bill me. Despite my not owing any money, this company continued to charge my main business checking account for hundreds of dollars. I eventually had to pay some amount to get them to stop. They agreed to stop and then without my knowledge or agreement they charged my account again and I had to file some paper work to stop them from charging my account. They have now falsely claimed that I owe them money and are damaging my credit. I want all my money returned plus interest and a letter of apology and every claim that I owe anything to them ever to permanently removed from all my credit and a guarantee that no creditor will ever approach me again for anything regarding XXXX  ever.
I signed up a new Citi XXXX XXXX credit card on XXXX/XXXX/2016 with the promotional offer of XXXX XXXX points after spending {$2000.00} within 3 months. I spent {$2000.00} on the card in the first statement period and have not received the XXXX points after XXXX statement periods passed. Other banks post the bonus points at the month completing the spendings. I have waited for more than three months. My Citi XXXX XXXX credit card application ID is XXXX, and my Citi XXXX XXXX credit card number is XXXX.
On XXXX/XXXX/XXXX I called the agency to advice of my dispute the first representative was very rude and became irate after advising her I was disputing the debt I was only notifying them why I was disputing since she seemed bothered by my call I wanted to make sure my file was documented correctly and placed on the right status. I decided to call again maybe the colector was having a bad day. When I called again That call was even worst the gentleman nearly verified who he was speaking with he kept muting the phone ( Im sure he was speaking to the other representative ) I asked for the time being to place a cease on my file he just said ok and hung up on me. I was bothered by the way I was treated and felt I wasnt being helped and treated unfair as I was just stressing my concern and dispute in my file. So I decided to speak to a supervisor to see if I could get some help But that was not the case I was treated unfair and feel they were being abusive in the way they were treating me without a reason. As I advices the representatives it is not personal I just wanted my account reviewed further in reference to the charges I was disputing. Which is my right to do.
My mortgage was sold to Specialized Loan Servicing LLC, effective XXXX/XXXX/15. I did not receive the legally required notification from SLS ( only received notice from my prior mortgage company ). Further, after making first payment to SLS and confirming payment cashed, SLS offers NO way for the customer to verify that the payment has been applied as per the mortgage agreement. I need to see that my payment has been applied to my principal, interest, escrow, and see the remaining balance as agreed.
I was trying to make a loan at this other bank on XX/XX/XXXX and later they call me an say we cant approve your loan because it show on your credit history that I owe XXXX XXXX so I ask them when an they said on XXXX and they told me that collection agency is after me which is I honestly never ever step on XXXXXXXX XXXX property in my whole life.
I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX  i n 2013. I l ost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
Attached a letter to explain what has happened concerning a company called The Revenue Group out of XXXX Ohio.
I disputed the accuracy of account XXXX XXXX XXXX # XXXX, requesting proof ( OG application w/ my signature ) that this account belongs to me. However, I have yet to receive any contracts, applications with my signature verifying that this account actually belongs to me. I have sent multiple disputes trying to get this unverifiable, inaccurate account deleted, however the bureaus continue to report inaccurate, unverified information. Balances on 3 bureaus are different, one bureau reports a monthly payment on a close account. The account is just inaccurate and bureaus have not followed through with proper verification.
I have sent a letter to AES requesting information ( see attached ) on how to be released from being a co-signer and they keep responding with a blank form letter asking for more information. I feel that they are being non-responsive to a situation where the Originator has demonstrated excellence in responsibility. I still want their policy on how to be removed from the loan.
Hello! 

5 years ago I asked for a {$3000.00} credit limit increase to my personal credit card ( which had I believe, a {$500.00} or perhaps {$1000.00} limit at the time. ) I received a new ( separate ) credit card with a limit of {$3000.00} shortly thereafter. 
( Note : This was in the era of duplicate account creation which XXXX XXXX was ultimately held to account for - still, I didn't think much of it at the time. ) Since then, despite a near-XXXX balance on the card, I've received two credit facility reductions without notice or consent ... the first being over two years ago ( From {$3000.00} to {$2200.00} ) and another today, with a reduction from {$2200.00} down to {$500.00}. 

There was no consent sought, nor notice delivered, nor reason to reduce this credit facility by TWO THIRDS overnight. ( my credit score has steadily improved over the last two years - though I've barely touched this card. ) ... All of this for an account that should never have been opened in the first place. 

I believe this falls in violation of a number of regulatory statues. ( Please correct me if I am mistaken. ) ... Either way - myself and my family are negatively affected in the extreme, and US Bank 's lack of notice has resulted in a scenario where if we had an emergency - we'd be unable to manage the situation. 

I have multiple accounts with them ... where was the letter? Where was the push notification? Where was the phone call? This bank has more contact information ( and other PII ) about me than my own mother ... How are they incapable of providing sufficient notice to their clients about actions that have major impacts? 

What check and or balance is in place to ensure a degree of accountability?
On XXXX XXXX, 2016 I went to KIA of XXXX, Al. to see if I would qualify for a 0.0 % interest deal KIA Motor Finance was offering. I told the sales associate ( XXXX XXXX ) that I did n't want them to run my credit at that time because I wanted to check with my credit union first. I told him I had been to a different dealership at the beginning of the year and was shocked to be notified by my credit monitoring service of a half a dozen hard hits on my credit report. I did n't want that to happen again. He assured me they would not " shop around '' my loan. I went back to the KIA dealer the next day and told the sales associate again, and the sales manager ( XXXX XXXX ), that I was only interested in finding out if I would qualify for the 0 % offer through KIA Motor Finance ( KMF ) and that, if I did not, I did NOT want to pursue any other offers. I told them why. I told them several times : " Only KMF '' and was assured by both of them that they would not shop it around. I was clear and unambiguous. I made sure that there was no misunderstanding. They lied to me. I got approximately XXXX hard hits on my credit reports from the various credit reporting agencies as a result of KIA of XXXX ( and/or KMF ) completely disregarding my wishes and instructions. I talked to the dealer and they said call KMF. KMF said talk to the dealer. I contacted one of the credit reporting agencies to see if all but the inquiry from KMF could be removed. I would have to have a staff of people to jump through all the hoops they said I would have to in order for that to happen.
Auto Finance Companies used the shotgun approach on my credit report without telling me they did it and many still check my credit score without my permission .... My I have XXXX inquires on my XXXX credit score and XXXX on my XXXX XXXX On My XXXX mostly hard inquires That has drop my score and now im not able to get finance or a loan Im denied everything I want every finance company contacted
I deposited our son XXXX state and federal income tax checks into my chase liquid bank account, because he asked me to do him the favor of cashing his checks for him because he is in the XXXX. And they blocked and closed my account ending in XXXX. So I asked them why they were doing it and they said that they did n't have to tell me anything. So I asked them to please just give me our son XXXX checks back and they said that they were going to deposit them into my account, and I told them that I thought that they just closed my account. And then I told them that they ca n't just rob me without a XXXX for our son XXXX money like that, and they said that they could do whatever they want and I ca n't do anything about it. They even blocked me out of my phone app for chase. I ca n't even log in to see if my money is there any more. I had to get embarrassed at work because I had to notify them that they ca n't straight deposit my pay now. They already verified my final deposits and payments, and they still have n't sent me the remaining balance along with a final closure notification. Please help me resolve this issue? Thank you kindly ...