WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a business credit card account with Union Bank and XXXX last year with cards for my employees. I do not have a card because I do n't need XXXX. 
In XXXX of this year they sold my account to a new servicer but did n't include my information as the account and business owner. Since then I have been trying to pay my bill, but I ca n't access the account because I do n't have a card and the new servicing company, XXXX XXXX, requires that I make a new credit application in order to be added to the account and gain access - to an account I already applied for and already own. 

- The account sale happened without me being notified - Once the account sale happended, my balances are being incorrectly displayed on my online account - when my payment was due, I asked that it be paid and a much larger balance was taken from my account than was showed in online banking - I am not allowed to access the accounts by phone or online even though I am the financially responsible party - the new financial institution/account owner has said that they are going to require me to make a new application, force me to provide my SSN and other non-public data to a company with whom I do n't wish to have a relationship, whom I do n't have a privacy policy for and who has n't been willing to give me access to an account that I technically already own anyway.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this XXXX XXXX XXXX XXXX
I have for the past 20 years or so been contacted by several different Collector Agencies ref another individual. Knowing these debts if any are sold to other agencies attempting to collect. It is beyond my comprehension how these agencies have associated my phone numbers with this individual. Since @ XX/XX/XXXX Collector Agencies have been in pursuit of XXXX XXXX XXXX. I do have knowledge of XXXX XXXX as he married my ex-wife. Other than this I know nothing more. How every phone number I have had ( XXXX ) through the years even when I lived in XXXX XXXX XXXX, these Collector Agencies have located my phone numbers convinced I was in frequent contact with XXXX XXXX. I had not heard from any Collector Agencies for several years until now, I received a call on XXXX XXXX, 2015, again looking fo XXXX XXXX. How they are still finding my phone number is a mystery. I did return the call to this so call Law Office suggesting they should cease and desist any more calls to my residence. This order by me met with ... .. '' WE WILL DO AS WE WISH '' even though I am not XXXX XXXX . The following is the information I have. I am hoping for resolution to this situation. OxFord Law Office. Contact : XXXX XXXX. Phone number XXXX. On my caller ID it appears the call originated from XXXX XXXX, number XXXX. 

Regards ;
I am receiving harassing and threatening telephone calls and death threats from representatives from American Accounts Advisors , Inc., in regards to the XXXX accounts that do n't belong to me and is the result of identity theft. The dates the accounts was opened is XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15.
Re : Chapter XXXX Bankruptcy reported on my CR. 

The US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. TransUnion has find information through third party research. 
I contacted Transunion by mail to provided me with copies of any documentation associated with this account " BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to TransUnion. TransUnion failed to provide me with the requested information sending just a letter stating they " VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. 
TransUnion Violated the law reporting information that they ca n't Validate with the Court stating that they " verified '' the info with the furnisher and this is the court and the court does not provide any information to them. 

No documentation were provide to me bearing my signature or how they verify the information. 
I formally request that this information be immediately deleted from my credit file TransUnion maintain under my Social Security number.
I sent : XXXX XXXX XXXX XXXX XXXX XXXX PRESIDENT OF MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 3 letters to verify debt they claim I owe and have not received any reply. 

I have never received any documented information in reference to this debt. 

Now i look at my credit to see why it dropped and i see this report saying I owe {$4100.00} to them.
This is a formal complaint against CITI CARDS. I had a COSTCO CARD with American Express and CITI CARDS bought all the COSTCO portfolio. When I was with AMEX, everything was on automatic payments. When Citi took over the account, I received a statement from Citi that showed that an auto payment had been proceeded from Citi ( See attached statement ). After this I took off out of state to XXXX for work for a few months, where I kept using my Citi cards. All the while I didnt check my statements, given that I thought the auto pay was still in place. Months, late I receive a XXXX notice from a collection company stating the account was charged off by Citi and I need to pay the account off in full immediately. I just recently sent in my last payment installment to the collection company. I called CITI Cards for several days and spoken to a number of representatives, transferred me from one department to another and was provided with different information. One representative even claimed that I cancelled my account last XX/XX/XXXX 2016. I NEVER CANCELLED MY ACCOUNT. In fact, I was able to use my card last XX/XX/XXXX when I traveled. I was able to confirm that AUTO PAY is active and they took and AUTOMATIC PAYMENT FOR {$220.00} last XX/XX/XXXX 2016. I questioned them, why would my account was sold to collections if AUTO PAY is active and I ALWAYAS, ALWAYS have money in my bank? I have confirmed that they have my correct address and phone number and they said that auto alerts ( for payment reminders, auto payments etc ) were not active. I questioned them why I never received any call, text mail or even email to notify me of anything about the account and why, if they need my bank information, why they did not contact me. They just said that the transition from AMEX to CITI started from XX/XX/XXXX 2016 and took them until XX/XX/XXXX 2016 to complete the transition and they do not have my bank information. I went ahead and asked them again why they did not contact me to get information needed, they could not answer this either. This account should have never gone to collections. I ALWAYS have money in my bank. Ive had several accounts with Citi, loans, car loan, student loan which was ALWAYS paid on time. Even my credit report shows nothing derogatory not until CITI CARDS ruin my score!
On XXXX XXXX, XXXX I transferred XXXX $ ( two deposits of XXXX , one was as purchase of bitcoins and the other as USD ) from my XXXX XXXX XXXX checking account to Coinbase. The fund was made available to my Coinbase account on XXXX XXXX, XXXX, but I decided to transfer it back to my checking account. I made two transfers from my Coinbase wallet to my bank account. The first one processed, but the second one of XXXX $ was cancelled by their system and supposedly returned as Coinbase fund. As of XXXX, XXXX XXXX, the XXXX $ is neither in my checking account nor available as fund on Coinbase.

I contacted support many times, but the only time I got a reply was a message that had nothing to do with my issue.
I overpaid the FHA MIP, and I am having a hard time getting the amount of money I overpaid refunded to me.
I received a letter from collector ( XXXX XXXX XXXX about a medical debit of {$360.00} owed from XXXX. I have never heard of this debt and was surprised in XXXX I received a letter of debt. I called the collected and told them I do not know what this is, then a week later I saw it on my credit report. I wanted to file a complaint because I have not clue what this debt is, the collected put in on my credit, that account is from XXXX and XXXX denied my dispute. I have no wear else to go, this is unfair from companies to do this to consumers.
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I NOTIFIED THE CREDITORS, AND CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT TO REMOVE THE FRAUDULENT INFORMATION, AND I DID XXXX WAS THE ONLY COMPANY TO REMOVE ALL FRAUDULENT INFORMATION
I got a call on   XXXX   from a representative of  XXXX   XXXX ,  XXXX  saying that I was being taken to court and that they are sending court documents to the  XXXX   XXXX   XXXX  House to prepare to be sued. I do know that I did get a payday loan back in  XXXX  but had forgot about due to me losing my job and apartment. There was a mention of having copies of my  XXXX  's. I did not give any permission to that business for my financial records considering that I am a  XXXX  of United States military.The phone call came from  XXXX . I recorded the entire conversation and the mention of obtaining my  XXXX  's is in the conversation.
XXXX XXXX XXXX and Experian has incorrect information on my Credit Report in regards to XXXX XXXX XXXX. I owe XXXX XXXX XXXX nothing and that is not showing on the credit reports.
I financed vehicle for {$7000.00} through XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX. I could not keep up the payments so I voluntary gave the car back to XXXX XXXX on XX/XX/XXXX.
Again I want XXXX XXXX XXXX  off my Credit Report with XXXX XXXX and Experian Credit Reporting Agencies effective immediately.
XXXX XXXX XXXX
Hello, I am contacting your agency to get help removing inquires and accounts that's on my credit report. I was a victim of identity theft. I have a police report and other documentations to prove it. I even have proof that my information is on the Dark Web. XXXX, Experian and XXXX.
LexisNexis has been reporting inaccurate information that actually belongs to someone else under my name. I have reached out to them several ways. I inquired about the error, but never received an answer. They only corrected the information and sent an updated report. The damage was already done because insurance companies have been charging me based on their reports.
I have just entered escrow to sell my home and discovered that Citibank has two illegitimate liens on my property. The credit card debt that the liens referred to is not mine. 
I have made several attempts to get Citibank to provide me with Release of Lien documents for me to provide to the title company, and they have not done so. Further, they have not responded to me regarding this issue or the supporting documents that I have provided. 

I am the sole owner of this property and debtor did not at the time, and does not now have an interest in the property. He did live at the property for a time, as he is my spouse. 

Citibank filed two separate judgments naming my spouse, one on XX/XX/XXXX for {$50000.00}, and another on XX/XX/XXXX for {$4400.00}. 

( also, both of these debts were filled into bankruptcy on XX/XX/XXXX, and discharged on XX/XX/XXXX )
I recently found out that someone has been using my SS and personal Identification to open up accounts and lines of credit without my knowledge. I found several addresses and phone number that are not mine listed on my credit report. I have file a ID theft report with XXXX XXXX already this is a follow up report for the local authorities. The following account are fraud : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There is a unauthorized Inquiry on mine report from XXXX  never applied for any account for business. The following addresses I do not live at and are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I am requesting FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days from all three credit bureaus.
I have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices.

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started
may car got repo and it was in good driving conditions. I told them to come get the car because I could n't afford the note due to my divorce. but I never heard from this company again after they came and got my car. i 'm sure the sold the car more than its worth but they still holding me accountable for the car. and I want them to take this off my credit report.
On XX/XX/XXXX I sent a certified letter to XXXX XXXX asking them to prove to me that the XXXX account for $ {$3900.00} belongs to me since it was verified through Transunion that this was my account. I did n't receive a response so I sent another letter to Transunion disputing the account on XX/XX/XXXX with proof showing that this account did not belong to me. They still sent back a letter saying verified. I sent a final attempt letter with proof again on XX/XX/XXXX to resolve this issue to Transunion and once again they sent back that the account was verified.
XXXX XXXX XXXX XXXX Assets : XXXX XXXX XXXX, Chase IRA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, Chase Money Market, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 18 month Criminal Extortion Estate and Trust HOMEOWNERSHIP XXXX V. XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX Homeowners Association Deeded Lots Wife and Child XXXX XXXX XXXX Sister Tax Return V. 
XXXX XXXX XXXX, XXXX XXXX Chase Bank Employee, 3 Weeks XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
In XX/XX/XXXX we sold our home in California, we had received help beforehand from HUD in the form of a subordinate deed of trust, understanding that when sold the sub becomes primary and is paid out first before any monies are paid. 
The title company WFG Financial gave us written assurance that 1 ) they were now responsible for paying said Sub and 2 ) that the amount withheld was sufficient for the Sub and Prim deeds.

I refused to sign any paperwork until I was assured this was delt with and we were free and clear. We closed XX/XX/XXXX, XX/XX/XXXX I get notified that the US Treasury is going to garnish my wages due to the HUD subordinate deed of trust not being paid, I have spent a year now dealing with WFG Financial, The Escrow company, XXXX and XXXX XXXX  about this issue and have been threatened with lawsuits, ignored and denied service, this lein is still upon the property in XXXX California to this day, the sale was not recorded with HUD by title and has sold twice with a dirty title.
1. I have asked for, and have been repeatedly ignored, apparently, regarding overdraft protection/coverage and fees. There has to be a way to end the overdraft protection. I never asked for it, I can not afford it. 

2. I do not want unauthorized charges coming in to be overdrafted. Not in my son 's account ending in XXXX and especially in mine ending in XXXX. Especially those which I have attempted to block. 

3. Since I have asked for this repeatedly and, apparently been ignored, I am asking for a refund of {$320.00} in overdraft fees. See attached. 

4. I called in several weeks ago and asked that a charge I am not familiar with and had not authorized- be stopped and blocked. The agent on the phone said he would waive the fee and do this. 

5. I do not want my account closed. I have important authorized withdrawals coming out which are necessary to turn around my credit. 

6. I need to know which branch is the location with whom I can speak with a personal banker. I have been told that the branch in XXXX XXXX XXXX is not mine, and have been told the same at the
I cosigned for a private student loan XX/XX/XXXX for my brothers wife. They split up soon after and divorced XX/XX/XXXX. She has paid the loan and been behind on payments as well. The loan has gone from XXXX XXXX to Navient. It 's has been XXXX years. She had also put the loan in deferment, I believe for 2 years .This I did n't know about until recently. She is grossly behind on her payments and Navient is coming after me. My credit score has taken a nose dive. I had excellent credit XXXX now to XXXX. I should of been released from this mess along time ago. The divorce alone should of been enough. I have never made any payments for her and we do n't stay in contact. I have n't spoken to her in 9 years. Now I have to contact her to see what has been going on. This loan should of been on its way to a pay off point or fairly close. Her balance is XXXX. What has she done in nine years? Now I 'm paying for it literally. I have not paid a bill late in XXXX years and I took pride in having great credit. Now I 'm contesting my credit score with XXXX and XXXX. This is crazy how in 2-3 months a person can be ruined. Well I 'm fighting back this is not even close to being right or final. I do pay my bills and I mean my bills. Navient needs to work with her instead of going after someone else for payment. She was making little payments like XXXX to XXXX a month claiming that is all she can afford. Now is n't that better than the loan going into default and getting nothing at all. I know one thing I want to be released from this loan and I wo n't be making this on time payment. I have never made one payment for her and I wo n't start now. I have helped my daughters in the past with student loans and they managed to pay them off themselves. I 'm not related or know this person anymore. Help what can I do? Is there anything? My ex sister in law has agreed to try to have me removed from the loan. Not much of a chance in that I 'm sure.
Citibank has, over the past 60 days, accessed my personal credit without my consent on at least three occasions, and did so after repeated promises they would stop.
Citibank 's attorney previously and repeatedly promised me that this activity would stop.
As a result of accessing my credit reports, Citibank sent me at least three offers of credit that they knew would not be honored.
I lost my house thru foreclosure on XXXX/XXXX/2008 to Washington Federal XXXX. I received a letter from the Branch Manager XXXX XXXX from Washington Federal XXXX offering me a loan modification for 3 months starting XXXX 2008 and another letter with documents for an additional loan modification on XXXX XXXX 2008 I never received any notices of foreclosure! I had a cash buyer a month before the foreclosure but the bank said no. Curiously, the bank sold and CLOSED the property in less than a month after the foreclosure. In fact they sold it well under market thru a realtor friend they know very well. They treated out of state customers differently.
Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX leave XX/XX/XXXX 2018 and will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.
On XXXX XXXX, 2014, I was unable to leave the property of First Merit Bank, XXXX XXXX, XXXX XXXX, Ohio because of a bank XXXX. I complained to the bank employees who did nothing. I was trapped at the bank. I filed a written complaint with the bank the very next day, including the following : " Because of this terrible situation I experienced at FMB, I tried to contact the offices of its XXXX, XXXX XXXX, to inform headquarters. I called the XXXX customer number. To my disappointment, XXXX would or could not give me contact information for the Bank 's corporate offices in XXXX. I then called the XXXX XXXX branch. To my continued amazement, teller XXXX had never heard of XXXX. ( Does n't the Bank educate its employees about such a simple piece of information? ) Nor could she tell me how to contact the Bank 's corporate offices. All she would say is call customer service. I informed her that I already had. XXXX had nothing more to add. '' No one from the bank ever responded. I resubmitted the complaint on XXXX XXXX, 2014. Still, to date no one from the bank has contacted me about being prevented from leaving the bank 's property, It is now more than half a year without the bank acknowledging the customer service problem, let alone apologizing or taking action to correct its mismanagement. It is against public policy and the public interest to be held 'captive ' by a bank and its contractors. And, just as bad is the inability or the intention of the bank 's customer service department to provide access by a current customer to the bank 's corporate staff. How can the public complain to headquarters when the lower ranks are a hindrance.