WillisBack/dataset-financial-user-claim huggingface dataset:
I have not checked my credit report in a very long time. I was wondering why I was unable to open up a bank account, so I ordered a new credit report and noticed a lot of items on there that were not mine. I believe I am a victim of Identity Theft and would like you to please look into this because it is simply affecting my credit score. Thank you.
On XXXX/XXXX/XXXX Wells Fargo fraudulently requested back the {$270.00} payment that was made to my insurance company ( XXXX ) on XXXX/XXXX/XXXX, claiming that i disputed the transaction. 
My insurance company ( XXXX ) notified me on XXXX/XXXX/XXXX, and stated that payment has already been issued to Wells Fargo and refunded back to my debit card ( ending in XXXX ). 

Wells Fargo never tried to contact or notify me and never credited my account the {$270.00} that they received back from ( XXXX ). 
Wells Fargo blatantly lied, claiming to have no knowledge of a refund request, dispute or the matter at hand, when i contacted them on XXXX/XXXX/XXXX. 


( attached bank statement shows & proves my current account balance as of today, the original payment made to XXXX on XXXX/XXXX/XXXX, and no credits/refunds issued back to my account between XXXX )
For multiple times in the past year, I have requested Equifax to remove reporting from an old XXXX XXXX XXXX XXXX account. It is well past 7 years of date of first delinquency. With the most recent request I submitted supporting documentation and they still did n't remove the account.
I just recently received a report again about the XXXX XXXX collection for {$1100.00}. This issue is been on for many years and i already talk to them long time ago that this account on XXXX XXXX that they are collecting is not mine. But they keep sending a report which is happen again last XXXX XXXX, XXXX. Again, this account that they are trying to report is not mine. It been ruining my credit report for many years now.
XXXX XXXX just reported a {$760.00} collection account on my credit report. I have no idea what this is. According to the Fair Debt Collection Practices Act, they are required to provide me with a 30-day notice to dispute the debt, but I never received such a notice. They just reported it, without even contacting me. This is a violation of federal collection law.
On XX/XX/2018..I called transunion and expressed to them the concern I had about inquiry in my credit..Customer service would not help take off the negative inquiries reporting on my credit report
Good day, My problem is with COINBASE. I will provide evidence of purchase and communication which has not been responded to so I have no other mean of reporting the problem but to you. 

Some time ago I purchased few LiteCoins ( LTC ) with coinbase. Just recently I decided to cash out my LTC and what happened is that the money were not credited to my account. 
I attempted to contact COINBASE by PHONE and EMAIL ( SUPPORT ). I received 0 responses to my needs and I really would like to see if you can help me out here.
Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ mid - XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XXXX XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to XXXX XXXX XXXX XXXX XXXX. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from Cawley & Bergman who is trying to collect the debt of behalf of XXXX XXXX XXXX equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to XXXX XXXX and XXXX XXXX XXXX. 
3. Letter from Cawley & Bergmann debt collector. 

Thank you for your help. 

-XXXX XXXX  Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor XXXX XXXX XXXX XXXX   XXXX XXXX Cawley & Bergmann File Number : XXXX Current Balance : {$870.00} Address : XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; 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 - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX.
In XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX. We immediately enrolled in auto pay and were instructed to pay the first two payments via check which were cashed on time. The XX/XX/XXXX payment was not drafted by XXXX XXXX and in XX/XX/XXXX I contacted XXXX XXXX, they immediately waived the Late Fee and drafted the payment. Over the last 4 years I have continuously disputed the Delinquency on my credit report. Today I contacted XXXX XXXX again and they gave me the case number that has been passed to the credit bureau 's which is XXXX where they agree that this should not be a delinquent account.
I scheduled a payment of {$1000.00} dollars using my XXXX XXXX Account, to Pay my Citi Credit Card. I scheduled the payment on XXXX XXXX, 2016, and my XXXX XXXX Account shows the payment was processed on XXXX XXXX, 2016. My Citi Credit Card has not ever shown the credit to the account. I have filed disputes with both XXXX and Citi. XXXX keeps telling me to provide their Confirmation #, Citi says that number is not correct, and that they need a XXXX digit Tracer number, XXXX says that they do not have a XXXX digit tracer number.
An account from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1800.00} began reporting on my credit report on XXXX XXXX, 2013. Despite constantly disputing this debt with TransUnion, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature.
I opened my accoun t with SUNTRUST ba nk in  XXXX  virginia  XXXX  of  XXXX , I have had several instances of fraudulent activities where the bank authorized payments to charges I did not make, usually they would appologize and fix it but this has happened several times.My latest issue with the bank stems from a policy change they failed to tell me about.When I opened the account, I explained I am on  XXXX  and only recieve {$1000.00} a month, so They set my account up that as long as I had {$1000.00} deposited monthly there would be no fees other than the usual overdraft protection.Well  XXXX   XXXX  of  XXXX  they instituted a new policy, and failed to even bother to tell me my policy changed to {$2000.00} in deposits or I would incur a $  XXXX  monthly maintenance fee.I recieved no letter or call stating this fact.I have been fighting the bank for 3 months telling them they never informed me o f this fact.The first two months were fine, they reimbursed the maintenance fees, but the last 2 months, like clockwork Ive gotten the fee, even though they never informed me at all I had to pay.Only way I found this out was to call and launch a complaint against the bank.Not only that I have recently learned I am not the only person they 've done this to.Apparently.they are being sued and this is how they intend to cover their losses.Which not only is horrible business to the point that Im pulling my direct deposit out, Im seriously considering filing a formal lawsuit against them for mismanagement of funds.I will be getting all of my banking documents from them and going to a lawyer this week and see what can be done about their gross negligence and handling of my accounts.
I've had my American Express credit card since XX/XX/2015. Since then, I have never missed or been late on a single payment. Most of the time, I pay my card of completely. Last month, I received notice that American Express was decreasing my credit limit from {$30000.00} to {$3900.00}. This has caused my financial outlook and security to be completely diminished as well as hurting my credit score. I contacted American Express to try and get my credit limit brought back to the original limit to which no one I spoke with would provide me any help whatsoever.
American Express has charged our account a late fee while an amount is in dispute and has marked our account late. The law states a credit card company may neither mark an account late or charge a late fee, interest and/or penalties so long as the amount disputed is in question. Yet, American Express repeatedly states to me they will remove the late fee and late statement AFTER the investigation is complete. This is contrary to law. This is an investigation of cyber fraud on our account which has taken several approaches, and this has been going on since XXXX 2013. Every 60 days we are removed from dispute status and put into late status. This also prevents obtaining the rewards earned, which is again wrong, and each month since XXXX 2013 we have pad all amounts we have charged in full. All we are asking is to pay what we owe and nothing more.
I am a certified XXXX XXXX working for a non-profit. Over my years spent XXXX clients, I have witnessed several clients, especially seniors, being taken advantage of by XXXX XXXX XXXX. They do not explain the terms of the contract in terms that the consumer can understand. I often see that they allow their accounts to fall seriously past due before they even contact them to notify them of the client 's enrollment or to " negotiate '' a settlement. 

From what I gather, XXXX XXXX XXXX takes money directly from their checking or savings account, and holds it in an escrow account until there is enough to " negotiate with creditors '' Meanwhile, they let the client 's credit accounts go delinquent for several months or years, thus destroying their credit. I imagine they do this to condition the creditors to accept settlement easier. In the case of seniors living solely off social security, National Debt as well as the creditors know that they can not garnish those types of earnings. It also seems that they only pay one creditor at a time. I called several times to get information on how exactly they use they money they receive from the client to pay their various creditors, and did not get any answers. The reps I spoke with directed all of my questions to their website. 

I have called the company to have the terms and service works. It is incredibly high pressure and incredibly difficult to get clear answers from direct questions. They are very good at " spin ''. 

Also, they claim to be very well reviewed and highly rated with the XXXX. After several internet searches, it seems like the reviews are incredibly polarizing ( love or hate ), without middle of the road reviews. One site either has all rave reviews and others are all negative. The language used in the reviews is incredibly repetitive and there are very few spelling or grammatical errors contained within the positive reviews.This is a major concern because it is my belief that many of these " great '' reviews are in fact false, fraudulent, do not pertain to the services they specifically offer, or are paid content. It seems that the reviews are sometimes reflective of the customer service they received on the phone, but not to the entirety of the debt relief services. The ability to control the market through carefully manipulated internet analytics is a growing concern to all consumers and needs to be addressed immediately.
I was overdraft XXXX at XXXX $ via PNC for a bill that their website claims is paid. They defaulted my bill pay to an account that was empty but attached to XXXX with XXXX $ in it. They have been pulling slimy maneuvers like this for far too long with me, and I 've had it. I just had to put XXXX $ in an account to cover a bill that was originally XXXX XXXX They tacked on an additional XXXX $ in fees because they bounced the payment from my account XXXX. The thing that tops this cake is that i spoke with someone on the XXXX with PNC and the last thing she told me was that it was taken care of and i would be reimbursed ; that was a 20min conversation. Today i spoke with someone, and that was another 30 min of my day, just to have her tell me that someone would be in touch within 3 business days. 

Just a month ago I lost my wallet, had to put money in my account so i would n't overdraft, they charged my account XXXX for a card on the spot, without telling me! Just charged my account. So i had to pay XXXX, to use the atm, so they could not charge me XXXX $ overnight for a XXXX $ discrepancy. All because they charge me XXXX $ overtime I use a teller. 

Its a travesty.
For the last several years XXXX, XXXX XXXX XXXX, XXXX. have been summoning me to court for a debt I personally did not owe to them. XXXX XXXX purchase an outstanding debt that I owe to XXXX XXXX. When I tried contacting XXXX, they stated they no longer had any recollection of the debt and for me to check my credit report. I fell on financial hardship, lost my apartment and moved myself and my daughter in with my mother. The debt went for almost three years at which I begin receiving summons to court by XXXX XXXX. I have been to court twice and have been paying on the debt via garnishment. I was told in court by Midland Representative that XX/XX/2016 was the last month for payment and satifying my debt. I have already paid around {$600.00}. Midland than stop the collection, waited a few months and started the collection again requiring me to pay additional garnishment fee to my employer as well as additional bogus added collection fees and interest on the same debt. I will never satisfy this debt with the fraudlent collection tactics by Midland and Law firm whom did not show in court on my last court date. I gross a below average income a year between two jobs. I have had at least two free consults with lawyers suggesting bankruptcy, but bankruptcy will cost more than the debt claimed to owe. I feel that Midland is financially bullying and trying to embezzled money from me by tacking more taxes and interests over and over again on the same exact debt and already added interest fees for the last few of years. I have spoke to some one twice at that firm ( not sure if the firm is legit ) but they were not trying to help. Please help.
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for XXXX years. Please remove them from all three credit reports. Thank you!
I went through XXXX and was contacted by quicken loans for a refinance. I was told by XXXX XXXX of quicken loans that I could get cash out to consolidate debt. I asked what if my residence did n't appraisal for 80 %. XXXX of quicken loans assured me it would and there was no chance it would n't. It did n't appraise for that amount ( 80 % ) and now quicken loans is only offering a refi with no cash out which would actually lose me money. They made false promises and now charge me {$500.00} for the appraisal
Debt Collector - Portfolio Recovery Original Creditor - XXXX XXXX Amount Owed - {$270.00} 1st reported as a collection to credit bureaus on XX/XX/2016 Requested on several occasions via certified mail to mail verification and validation showing signed contracts/agreements from original creditor. 
Portfolio Recovery has only sent copies of supposed statements with no signed agreements contracts with my signature validating the debt.
There are XXXX hard inquiries on my credit report from the same company : XXXX. The inquiries are 3 days apart.One in XXXX XXXX, 2017 and one XXXX XXXX, 2017. There 's also XXXX inquiry from Chase Bank USA on XXXX XXXX, 2017 that was n't approved. I have credit cards with chase but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.
A collector called extended family some that we have n't been in contact with in over 20 yrs. calling up to XXXX a day. The collector then said they needed to pay what we owe. This was after threating my husband with an artical XXXX. We also received a notice of collection due by XXXX yet we did n't arrive until the XXXX. The also set up a payment from our account even after we said they could n't pay then and did not authorize the attempted withdraw
To whom it may concern : I am writing to dispute errors on my credit report that show some of my accounts as past due, in collections and charged off/missing payments. I have attached payment records of all debts referred to in the chart below, which I provided for my background check. These errors are hurting me from attaining clearance for a government job, as it seems I am not paying my debts, especially my government student loans, which is not the case. If these errors could be corrected/updated it would be very helpful.
Over the past year, usually in bursts Midland Credit Company has called me four times a day from several numbers. Any attempt to actually answers these calls is met with complete silence, following with the caller hanging up after a few seconds. No messages are ever left, so I am unable to find what this is even for. I never received a mailed notification of collection either. 

Before I list the numbers and times of contact for the last few weeks, I would also like to point out that the only debts I have would be my student loans, which I am not required to make payments on as I am still a full-time student. I do not have any credit card debt, and my credit history would seem to corroborate this. 

XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 3 times between XXXX and XXXX XX/XX/2018 : Called 4 times between XXXX and XXXX XXXX XX/XX/2018 : Called at XXXX. This is the most recent, and I'm expecting to receive 2-3 more calls today, given the trend. 

To finish, I am on the do not call registry, and again, have not received ANY communication, written or verbal, on the nature of this collection attempt and these calls.
Equifax refuses to mail me my certificate of insurance and summary of benefits for the free monitoring service they are providing because of their security breech.
On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with Transunion, however Transunion refused to reply or remove the inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
XXXX XXXX, XXXX ( XXXX ) XXXX has appeared on my Credit Reports with all XXXX Agencies for over 8 years. They keep re-aging the info to maintain item on my reports. Equifax Business Affairs after looking at the details took it off my Report last month and XXXX put it back on this month. The account dates back to XXXX and first appeared in XXXX. I have been fighting them for over 7 years. If you go to my Credit Reports now they currently claim I made a payment in XXXX of XXXX. I have never made a payment to XXXX. No 81-Month Payment Data available for display and the balance has n't changed since XXXX. In addition they have not been in business for over 5 years as they were acquired by XXXX. It is my understanding accounts that contain a negative account status. Accounts not paid as agreed generally remain on your credit file for 7 years from the date the account first became past due leading to the current not paid status. Late Payment History generally remains on your credit file for 7 years from the date of the late payment. I believe XXXX is guilty of Fraud and XXXX of the Credit Reporting Agencies suggests this. Attached please find an example of about XXXX letters like this sent Notarized to XXXX and have all been ignored.
credit collection agency Advance Bureau of Collection has caused a collection to appear on my credit report for no reason, i did not receive any correspondence, letters or calls from this company before this happened. i was notified of this collection on my report by a ID theft monitoring company XXXX which monitors changes to my credit report. The company that submitted this collection action on my report is Advance Bureau of Collection XXXX XXXX XXXX XXXX GA XXXX. I asked the my telephone call to remove it immediately but they said it would not be done at this time and not for 3 months or more. This company stated that a computer error caused the collection to be placed on my XXXX report in error. I talked to XXXX XXXX and a lady named XXXX XXXX to get assistance and they were not willing to write me a letter statement of error or provide me any other paperwork stating it was their error. this company should not be allowed to tarnish my credit score which was XXXX to XXXX before this company took action against me.