WillisBack/dataset-financial-user-claim huggingface dataset:
During a background check for my new employer, I was shocked to find address for my in other States that I have NEVER resided. I immediately notified each credit bureau and had a fraud alert placed on my Social Security Number. In addition, I have repeatedly disputed the following inquiries and nothing has been done. Additionally, I only request credit for myself under XXXX XXXX XXXX and that should be the only name on my record. I would appreciate the removal of the following hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX 2. XXXX/XXXX/XXXX - XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX 14. XXXX XXXX 15. XXXX XXXX
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX XXXX {$120.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious Forest Recovery Service {$120.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
On XX/XX/XXXX and XX/XX/XXXX my credit was ran through several auto financing companies, They were only to check my credit through my current auto company which was XXXX XXXX XXXX to see if they would give me a new loan. Instead they ran through several companies. I told them when I was there I did not want them running my credit through anywhere besides XXXX. I have Called XXXX with no response.
I had a car loan with Peak Acceptance LLC XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.
An old XXXX account for {$85.00} keeps appearing on my Equifax and other credit reports. I have it removed from XXXX report only to see it re-appear under a different debt collection agency. Previously, it was XXXX. Now, it is XXXX XXXX XXXX. I disputed this account with Equifax and the said it was valid. It is absolutely not valid and they will not take further action. I want this XXXX account to go away forever.
A company called Ditech Financial LLC will not stop sending me bills of balances that I've never had with this company and my credit is affected by this.
Lender continues to call my place employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Leaving messages with co-workers
I filed a bankruptcy in XXXX. I included a mortgage with XXXX XXXX Bank in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  properly updated the record. But Experian simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law.
In       XXXX   XXXX   2016  we found out we had a delinquent  XX/XX/XXXX  mortgage payment to Carrington M ortgage Services when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recie ved   XX/XX/XXXX  payment. T he  XX/XX/XXXX  p  ayment made th e  XX/XX/XXXX   payment and now I was  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to Carrington. I called Carrington several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I ch ecked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted Carrington Mortgage and told them what I had found out. I mad e 2 pa yments to Carrinton at this time . One ch eck for   XX/XX/XXXX  a nd the other for the missed payment. At this time I asked them if they could please contact the  major Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX    XXXX   stating the payment was sent on   X/X/16  m aking   XX/XX/XXXX   payment. The letter I recieve from Carrington stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.
I was enrolled, with out my consent, into " CITI IDENTITYMONITOR ''. They are taking {$50.00} a month, the past4 month from my personal checking account, which they accessed through payment history, with out my consent. I was notified by CITI of this. My claim number is # XXXX
In 2008 I was a XXXX and a member of the XXXX in XXXX, CA. I cancelled my membership and returned their lock box equipment. I was not told of any additional charges and I did not expect any additional charges. I have disputed owing the {$88.00} they claim I owe for years. And, recently I viewed a copy of my credit report and see the {$88.00} is still on it. I called XXXX and they informed me that the {$88.00} is for cancelled membership dues ...! I should not have to pay them to cancel the membership and they continue to destroy my credit rating for {$88.00} that I should not have to pay.
Under " POTENTIALLY NEGATIVE INFORMATION - PUBLIC RECORDS '' I discovered Equifax is showing a tax lien of {$2100.00} on my account since 2014. I wrote them XXXX indicating I have no liens on my home, and when I contacted the County they confirmed no liens. Further to that I have never paid a cent on any liens, and the house was sold XXXX this year with a title search. No other credit reporting agency has this info but Equifax. Please intervene and have them remove otherwise I will sue them, which I indicated to them earlier if they did n't fix it. 

Also under " POTENTIALLY NEGATIVE INFORMATION - NEGATIVE ACCOUNTS ''. They keep showing XXXX. I owe XXXX XXXX XXXX dollars as their account was paid in full. I paid XXXX dollars to XXXX to clear the account, and they themselves cleared the error. Of the XXXX reporting agencies -- - Equifax again shows this as negative on my report. They need to have it removed. 

I am very careful with my credit report, and understand how essential a role it plays in financial transactions. I take the time to pay my obligations on time. Equifax needs to take the time to ensure they investigate properly and not maintain error 's on individual reports, especially when asked repeatedly to remove. It appears the only way to send messages loud and clear is to use attorneys to sue so these " invincible '' monsters can be reduced back to credible institutions.
I was charged an annual fee of {$75.00} by American express for my inactive XXXX XXXX card. 

I did not receive a notification about the fee and my account statements were being marked as spam by XXXX due to long term inactivity. 

I got a notice that I had not made a payment on my card and I logged in to find out about the fee. I have tried to get it resolved with XXXX but they insist on the fee, even though I have cancelled the card already with them. I will not have use of the card for the next 10 months even though I have paid the fee. For the next 10 months XXXX does not owe me exposure to the tune of {$24000.00} and has no liability to me charging off.
In XXXX 2013, I was unable to pay the mortgage. I had a bad renter that I had to evict, and the situation drained our savings to keep paying the mortgage. We have XXXX XXXX children, and we ca n't choose Chase over our children. I called Chase Bank to let them know the situation and to see if I could make a few smaller payments to get caught up again. I had also called them prior to the missed payment letting them know I may not be able to pay if we could n't get a renter in place in time. They said they could n't help unless I was 90 days late and would n't even talk to me about any options. After I missed the XXXX payment, I hired an attorney to help. At this point, Chase told us that they would not issue any late fees or report any late payments to the credit agencies. They honored that for a few months, then the late fees started and so did the reporting to the credit agencies. They keep reporting that I 'm 30 days late with each payment, but there has only been XXXX month that I was late because I did n't have the money to pay it. I 'm not asking to have that payment forgiven, I just wanted to work out an option where I could afford to pay the late payment back over a few months. We were able to get a renter in place to cover the XXXX payment, and we have n't missed another payment since. 

I work at a financial institution, and these practices by Chases are putting my job in jeopardy. All I wanted was to be able to work out a small payment plan to get caught up, and now I may have to sue Chase in order to make them do what they said they would do, which is to waive the late fees and not report any late payments to the credit agencies. I have been fighting this battle for a year and a half because Chase continues to use bully tactics to bully customers in to doing things the way Chase wants them done, not the legal way to have them done. If I lose my job over Chase 's practices, I will take them to court and sue them over this. It seems that Chase would rather you miss XXXX payments in a row in order to start a foreclosure process. Seems like a way to make extra money by bullying customers in to foreclosure.
I just pulled up my Free Annual Credit reports from XXXX and XXXX. No Problem accessing and receiving the reports. When I went to the Equifax site, they refused to process my report on line. They stated that I needed to send them copies of my Social Security Card, Drivers License, etc. They said it 's for my protection. What is their problem. XXXX and XXXX were quite friendly.
I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score as i f they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped my  credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal you r credit score shou ld go up when balances decrease not when go down.   I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed loan only agreed to remo ve two late  payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's  credit score bec ause they dispute negative information and for paying your bills on time.
While applying for a home loan I noticed an errorounous note on my credit report related to XXXX XXXXXXXX. I have never had dealings with this Company and had previously never heard of them. Upon discussion with my parents they mentioned that a note was discovered on their credit report related to XXXX XXXX in the summer of 2015 and they got the Wisconsing Attorney General 's office involved to resolve. My father and I have the same name so it is possible that I have somehow gotten roped into this through that association.
The owners of business # 1, myself and my wife, were in the process of buying business # 2 in XXXX. We completed this process in XX/XX/XXXX. Last year American Express ( AmEx ) authorized a " pay over time '' feature for Business # 1 's AmEx. Business # 1 informed AmEx their balance would get substantially higher due to attorney fees and other fees related to purchasing the new business. AmEx informed B # 1 by phone that this was fine and there was no limit on the card, and even tested a $ XXXX transaction saying the test transaction was not declined. In XX/XX/XXXX B # 1 informed AmEx it was closing on B # 2 and would only put a few more expenses on the card, then begin paying the debt down via the " pay over time '' feature which was given. In XXXX, XXXX, or XXXX, AmEX suspended the " pay over time '' feature, causing the B # 1 bill to spike from $ XXXX $ XXXX to $ XXXX. Before the payment was due, I called AmEx to explain that we would not be able to pay the $ XXXX, which were transactions after the unannounced " pay over time '' feature. AmEx said to wait until the payment was due, then call customer service to re-explain the situation. Since XXXX of this year, B # 1 has been making small payments to AmEx and seeking smaller payment plan options without closing the account. The problem would never been a problem if the " pay over time '' feature was n't removed. That is the single reason payments became delinquent. AmEx explained to me that the feature was removed as " protection '' for me due to the credit bereau 's reports about my high credit to debt ration. I said it did the opposite and made it impossible for me to catch back up. As of XXXX XXXX, I told AmEx I needed a payment plan without closing the card, since the only reason we fell behind was due to the " pay over time '' feature being suspended. I told them I could make larger payments which still were smaller than the minimum amount due if they would n't close my card. AmEx could not offer any guarantee that they would not close my card. So I am stuck in a situation where I can continue making payments all without the guarantee that they would not close my card. If they close my card, it hurts my credit and lose over 70k of rewards points attached to the card. On top of this, I have another account with AmEx for the new business where payments are current.
I sent Stellar RECOVERY a dispute to the listed address in my credit file on XX/XX/XXXX which was delivered and picked up on XX/XX/XXXX. 
They put the account in dispute but failed to send me any competent evidence bearing my signature, showing that I have or ever had some contractual obligations to pay them. 
Stellar Recovery Refuses to ACKNOWLEDGE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX. 
XXXX XXXX are still reporting incomplete, and inaccurate information. 
FOR STARTERS, they are reporting an high balance {$230.00} that is inaccurate with the balance of {$230.00} because no payment was ever made to them in order to establish the price deduction. 
They 're reporting an inaccurate Date open, and TERMS because there is no CONTRACTUAL agreement that was ever established. 
INCOMPLETE ACCOUNT number and payment history On XXXX No high balance, NO missing monthly payments, NO estimated REMOVAL date ...
I applied and was approved for the XXXX XXXX XXXXd on XX/XX/XXXX. I signed up because I had a 50,000 point welcome bonus after spending {$2000.00} in the first 3 months. I chatted with American Express on XX/XX/XXXX to make sure I was eligible for the bonus and the agent confirmed that I was and repeated the bonus that I signed up fo back to me. I paid the annual fee ( {$250.00} ), put over {$2000.00} of spend on the card. Then I chatted with American Express on XX/XX/XXXX to find out when I would be receiving my bonus. The agent tells me that I won't be because I am not eligible. Then I ask if I could get a prorated annual fee credit for cancelling. Nope! That is some major bait and switch. I never received a pop up saying I wasn't eligible for the bonus and an American Express agent even confirmed I was eligible after signing up. The agent I talked to on XX/XX/XXXX told me I would have had to cancel the card in 30 days to get an annual fee credit. If I would have known I wasn't getting the bonus I wouldn't have signed up for the card! Really shady business practice and false advertising.
I have been a Dillards Credit Card holder for over 10 years. I took responsibilty of paying my bills and setup for automatic payments to prevent late payments. Last year, they decided to change their banking company to WellsFargo. I had to jump all sorts of hoops to sign up for the new payments. Unknowingly, when Dillards would call about my payment being a day late I would immediately pay over the phone and was told by the representative to resign back up with the online payment center. This happened at least 3 times. While I was believing that my payments were finally going through because I setup automatic payments again by taking step by step directions from a representative. To end the story, a final and fourth representative told me every time I signed up, it was taking two billing cycles to activate. So the 2 month cycle wait kept restarting and the horror would not stop. Meanwhile, they stated I was {$7.00} dollars past due and now it was on my credit report for XX/XX/2015. I would normally send Dillards big monthly payments and would not let {$7.00} slip up. I would like to have this negative remark removed because Dillards and myself was going through a transition and I was honestly trying to do the right thing.
BRCLYSBANKDE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BRCLYSBANKDE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BRCLYSBANKDE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, XXXX XXXX
this account was result of fraud and i never authorized this account and has been disputed numerous times with wells fargo to remove this account from my credit bureau ref Dillards account number XXXX