WillisBack/dataset-financial-user-claim huggingface dataset:
A fraudulent credit card account was opened in my name at Kohl 's in XXXX, XXXX. On XXXX/XXXX/XXXX Kohl 's acknowledged the fraudulent nature of the account and relieved me of responsibility. Now, Kohl 's refuses to act on my request to send me copies of the fraudulent documentation used in opening that account ; instead, Kohl 's states that such information will be provided only to a law enforcement agency, at the request of said agency. As I read Title 15 U.S. Code Chapter 41 Subchapter III Section 1681g, the victim himself is entitled to copies of the fraudulent documentation but must make the request for it in writing and must meet other reasonable requirements that can be imposed by the business which granted the credit. It is my understanding that providing the information to a law enforcement agency is contemplated in XXXX scenarios : ( 1 ) where the victim 's written request specifies which agency is to receive the documentation ; or, ( 2 ) where there happens to be a law enforcement agency investigating the ID theft and that agency is authorized by the victim to take the relevant records. I do not see how these provisions can be interpreted by the credit-granting business to deny the victim 's request to be given the fraudulent documentation directly. In my case, I have sent Kohl 's written requests to have the information sent to me. Accordingly, scenario ( 1 ) above does not apply. Also, as there is no law enforcement agency investigating my ID theft, notwithstanding reports filed at XXXX separate police departments, scenario ( 2 ) above does not apply. In summary, I believe that Kohl 's misunderstands the right of the victim of ID theft to receive directly, and not via a law enforcement agency, copies of the fraudulent documentation and is unreasonably attempting to require me to trouble one or another law enforcement agency to obtain copies of the fraudulent documentation on my behalf.
I first noticed this account for collection ( Midland Credit Management ) when I checked my XXXX XXXX account. I never applied for credit for whom they are trying to collect for. In which I had a fraud alert on my credit report when I became aware of this claim. I sent this company a letter approximately XX/XX/16, stating that I did not owe this debt and that I would like to see debt validation to support their claim. They only did not comply with my letter, they sent another letter to me on XX/X/16 saying they were uncertain of what I was disputing and did not provide any information of how their investigation was conducted.
I opened a Citibank account package on XXXX/XXXX/16 and deposited {$15000.00} with a promotion to receive {$400.00} if the {$15000.00} remained in the account for 30 days. I met and exceeded the requirements of the promotion and after 120days have still not received the bonus. I 've contacted Citibank and provided the promo code ( XXXX ) I signed up with but I am getting no response in resolving this matter.
Our home was destroyed by XXXX XXXX. We finally got policy limits from insurance, and the check was made payable to my wife and me and our mortgage company, PNC Bank. It was for {$110000.00} more than what we owed on the mortgage. PNC Bank has used the money to pay off the mortgage as we requested, However, they insist that their " policy '' is to take at least 20 days to send us the balance we are owed. So, they are profiting from our loss by getting interest on our money. Our home needs to be torn down, as it is dangerous. But, we need that money to tear it down and begin the rebuilding process. 

PNC Bank should issue our check immediately and pay us back interest on the money for the time they held it to comply with their own self serving " policy ''. 

How many other people do they take advantage of in this way?
I requested verification/validation of a supposed debit to Midland Credit Management. The have not responded, but yet continue to call my cell phone with a robo call. this call is at all hours of the day and night. Generally there is no person to answer the line, just a stuttering robot.
Good Morning I am submitting an Complaint that I have with XXXX, XXXX, and Experian regarding XXXX  XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
Inaccurate and outdated medical collection accounts and city tax lien continue to the reported on my credit report despite theses accounts being paid in full and service providers requested to have these accounts removed.
I have disputed with Ally Financial numerous times that they show I owe them for 2 loans on my credit report. However, its actually the same loan being reported twice. I have submitted 3 disputes through the bureaus directly stating that they have a duplicate trade line but they respond that it is accurate. I do not owe them for 2 loans. It is severly impacting my credit because it shows that I have a higher debt ratio than I truly do.
Us bank allowed my now x- husband to resign a loan on our house without me beigining there and he was able to forger my name and my co worker, which is was convicted of forgery for it and forced me into bankruptcy when I tried to do a charpter XXXX they would not work with me because of him. 
they filed nothing on my x husband and I have to file the charges and now they have put it on my credit report and it should not be there, 1 - I filed bankruptcy on them 2- they allowed to forger my name I was told to contact you to get this removed
Motion for deletion of debt due to cramming charges law suit XXXX federal trade commission vs XXXX. I had XXXX around said time, left due to cramming charges.
XXXX I disputed XXXX XXXX XXXX XXXX and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies
On XX/XX/2016, I attempted to open a new Checking Account at Citi. I did the process online. I was unable to meet address verification requirements and send in supporting documentation within the 1 month deadline. I received correspondence stating my account would not be opened if I did not send supporting address documentation. 

During that time, I was still mailed an ATM card and a PIN. I never activated my ATM card. 

The bank did not execute a balance transfer from an account outside of Citi which I had provided as the method for depositing money to open the account. 

I recently checked in a Citi branch and they are stating that my account is " frozen '' but also open. Also, the branch employees were stating that my account had a negative balance due to minimum balance fees. I asked the branch employees to explain why the account was still open and they said they were unable to do so. I asked the branch employees to close the account. They said they were unable to do so. 

I 'm filing a complaint now to initiate closing of the account that I never was able to fully open in the first place.
Equifax has a collection account on my credit report. The information is incorrect and I do not owe anything. I filed a dispute with them before and they did not properly investigate the matter. I filed again recently and I am trying to speak with someone from the company. I have call records that show I attempted to call on more than 20 occasions and they keep me on hold for long times and eventually the call is disconnected. When trying to file an online dispute they have a 200 word maximum to describe what happened, that is just not enough to describe what happened and how much damage this is causing. Due to this I was recently denied a student loan ; in the student loan form I was told specifically that the loan was denied due to the XXXX collection account reported on my equifax report. What they are doing is costing me time and money and may prohibit me from going to school to finish the last year of my XXXX XXXX XXXX. The account is charging me for a lease break and a new carpet for my old apartment. I did not break my lease I was evicted. I should not be charge for a new carpet. When I moved in the carpet was already very old. I paid my security deposit and an extra pet deposit when I adopted my dog, and I paid dog rent as well every months. I did not get any of the deposits and after living there for a year with an animal on an already old carpet, they company had to replace the carpet regardless, but I will not pay for them to remodel.
Dear Whom this may concern I continue to try to work with this company but they continue to report incorrect information dispite letters, call and complaints. They also seem to change my balance by 1 $ XXXX every week by decreasing and increasing the balance to reflect activity on the account. I have contacted the company several times only sending back deeds not signed by me. I have only signed up for one timeshare in my life and that was in XXXX XXXX. I also sent police reports to show this debt was not mine. I 'm currently trying to buy a home for my family and this collection is really reflecting negatively on my ability to do so. I would like the company to delete this collection on all agencies.
On XX/XX/XXXX I began the mortgage application process with Wells Fargo Home Loan. On my initial loan application I said that the home was built in 1975 and converted to real property. On XX/XX/XXXX Wells Fargo charged me {$550.00} for an appraisal. On XX/XX/XXXX I was instructed to take a First Time Home Buyer course through XXXX  for {$75.00} as part of my loan application process. On XX/XX/XXXX, some 20 days into escrow, Wells Fargo denied my loan due to the date that the home was built, which I'd included on my initial loan application, leaving me with less than 7 days to secure another loan before losing my earnest money deposit. I subsequently had to relock with another company at a higher rate resulting in a total loss of ~ $ XXXX over the life of the loan. Further, my credit was damaged from being pulled several times by several mortgage companies and credit bureaus in two different months. I filed a complaint with Wells Fargo on XX/XX/XXXX seeking reimbursement for the appraisal and course totalling {$630.00}. I was assigned complaint case number XXXX and customer care representative XXXX XXXX at ext. XXXX. I have called the customer care line repeatedly and can not reach XXXX XXXX. I am then transferred to a generic customer care representative who can not access my file or give me a status update. Moreover, I feel that this is a violation of the Consumer Protection Act and Fair Lending Act due to the fact that the information they claimed to be the cause of denial was provided on day 1 of the loan application process and they could not produce a report or factual evidence as to why the loan was being denied despite documentation from the State of California Housing and Community Development Office that the home was converted to real property and has legal filing with the State of California.
I have asked Portfolio Recovery repeatedly to not call. I block XXXX number and they call from another.
I own a credit card through Navy Federal Credit Union and this billing cycle my interest rate were up from 10.65% to 10.90%. Navy Federal Credit Union failed to communicate with me as why the interest rate went up, even though there has being no interest rate increase from the XXXX XXXX XXXX XXXX XXXX is secretly trying to charge me more interest without even informing.
I have been working with LoanCare and have been providing documents to be reviewed for a loan modification. As of XX/XX/XXXX they confirmed they received all the documents they requested and were escalating it to the underwriting department due to the foreclosure sale date scheduled for XX/XX/XXXX. When calling LoanCare this morning, XX/XX/XXXX, they informed me that my application is still being reviewed by underwriting, however, LoanCare has not submitted the request to have the sale date postponed. This would be considered a form of dual tracking and violation of Homeowner Bill of Rights if they are stating they have everything they need but yet are refusing to postpone the sale leaving me with limited options and in a stressful situation. LoanCare has failed to provide me with either a denial ( and the right to appeal ) or an approval so therefore the foreclosure sale can not continue.
A few months ago I recently reviewed my credit file. I noticed that there was items on my credit file that did not belong to me. I have sent dispute letters to both the credit agencies and CNAC. I did not receive any response back from CNAC. The credit agencies get stating that they verified the information. Since then, on XXXX XXXX, 2016, I sent Fraud Affidavits to CNAC and to all XXXX of the credit agencies. Even after all of my efforts to get this item removed, CNAC still have not removed this item. This is not my account. I did not open this account or authorize anyone to open this account in my name. Please assist me in getting this matter resolved. They have received the Fraud Affidavit because I mailed it Certified Return Receipt.
I leased a vehicle from ALLY, paying all payments on time. In turning it in, ALLY lost the vehicle for several months. It sent me a final invoice that included rent for the months that the vehicle was lost, excess wear, mileage and excess taxes that ALLY paid incorrectly. I disputed the charges but ALLY could not provide back-up evidence, including the odometer statement showing mileage on surrender of the vehicle. Instead, collection calls immediately started-night and day. I discussed settlement of the invoice and I was told that would be possible. I sent an Accord and Satisfaction with a check that was immediately cashed, but aggressive and illegal collections resumed, including reporting to the XXXX credit bureaus. I called the ALLY CEO and General Counsel, but they will not return my calls. I sent them a letter advising that the company was violating consumer protection laws. I copied the executive compliance officer. The amounts due are inaccurate and collections violate the Accord and Satisfaction accepted by ALLY. One of the terms of the agreement was that I would retain a positive credit rating. The vehicle was turned in properly and all payments were made. ALLY is violating the terms of our agreement and State and Federal Consumer Protection laws. These intentional violations are a result of a " tone from the top '' of the executive leadership, including the CEO, General Counsel and Compliance Officer.
THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT
I have repeatedly asked in writing, for proof that I owe this debt to National Recovery Sys and each time I am not provided with proof in the form of a written agreement between National Recovery Sys and myself.
I sent them a final payment, a restrictive endorsed check for {$25.00} which is legally binding. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I have attached my cashed check and the letter I sent. This was deleted from all XXXX bureaus and have been re-inserted without notification which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''
at XXXX point I was having financial hardship, I filed for assistance from the courts, before the completion of the resolution in the courts me and O**** Loan Servicing came to an agreement if I paid the amount I was behind and pay a monthly agreed payment they will re-instate the loan, as of today I have lived in this home for 14 yrs, I have not changed addresses, they did not report correct information to the credit bureau they did not report I paid what I owed and have been making XXXX payments each month. I feel they received funds from me with no attention in giving me back ownership of my home which in XXXX aspect is fraudulent intent, when I speak with a person at O***** they are not assisting they actual speak to me in a tone as if I am uneducated and have no morals, I want fairness in this matter I paid O***** the monies I owed them I actually sold property in which I should have kept in order to save this XXXX if I knew what I knew now that choose would have been differently I feel they are trying to get over, t reporting that the monies I owed was paid in full with interest. I feel also because I do not understand real estate law they are taking advantage of the situation and me. they got the monies I owed them on the promise they would reinstate my loan fully and I would make monthly payments in the amount of XXXX, none of this has reflected on my credit report, no truth to the fact they was paid in full the amount I was behind and have been making on time payments every since. I need assistance in reclaiming my property if I did not have interest in retaining my home I would have not paid the monies owed ( correct ) but my intentions was to keep my home O***** was paid, please help me get my home back. and my credit report corrected.
I have disputed the account on my Equifax credit file XXXX XXXX XXXX {$3800.00} within the last 12 months. This account is not my account. Equifax deleted this account and then put it back on my credit file. I requested by letter that Equifax send me how they came to the resolution that this account is mine. Equifax failed to furnish their evidence and completely have ignored my request. This account was opened in the state of Oklahoma. I have never lived in the state of Oklahoma. I have filed a CFPB complaint against XXXX XXXX XXXX # XXXX. This account is not mine.
I have been disputing these accounts for years and I am absolutely fed up with all XXXX bureaus. I have gotten nowhere and everything comes back as verified when it clearly is not. When I contact the creditors I get a run around and they tell me there 's nothing they can do and that I have to resolve it with the bureaus! I 'm listing all of the account information below and each of these must be updated/removed accordingly. 
XXXX XXXX XXXX This account is not mine : My ex-husband stole my identity in XXXX and opened accounts under my name. Judgment was removed and reinserted without notification within 5 business days. I will write an affidavit if I have to. Please remove this! 
XXXX XXXX My account is on auto-pay ; I was never late State of MDXXXX XXXX Account paid in full back in XXXX - should not be a collection! 
XXXX XXXX I was never late on this : they have this listed as late in XXXX but I spoke with XXXX on XXXX/XXXX/XXXX who said I was late in XXXX of XXXX. I asked why he 's calling now and he did n't give an answer. Not only that, but he said that because I was late in XXXX, it is reporting late in XXXX. My account is on auto-pay so there is no way that I was late in XXXX and I can prove this. I paid {$1000.00} on XXXX/XXXX/XXXX for this supposed late in XXXX when it is reporting as late in XXXX. XXXX said all I can do is dispute it with the bureaus. 
XXXX XXXX I do not owe this money ( original creditor is XXXX ) : I cancelled my services and physically returned the equipment to their office and was told that once they receive the equipment in the warehouse they will adjust the bill and send me an updated one. I physically went in and returned the equipment and # 1 do not owe this money & # 2 never received an updated bill showing {$0.00}. They sent me straight to collections. 
XXXX XXXX I was never late & I did n't lose my card ; please remove the status & update the account Receivables XXXX This is for XXXX and I do NOT owe them money : I cancelled services, called for box to send equipment back, they said they would send & update bill and I never received. I called again, they reordered boxes & said they would update bill once received. I sent in equipment 4 days late on XXXX, never received updated bill & sent to collection. They will not give me info when I call & say to call collection company. 
XXXX This is resulting from identity theft : I have disputed this for 5 years. I cancelled services because I moved and the people who moved into the residence obtained services under my name without my permission. I was told that I am responsible for the bill and I am not- I did not authorize it - it is identity theft and I will sue them if I have to. Creditor fails to remove this or assist.
My credit card showed a fraudulent charge of {$1800.00} charged by a merchant I have never given business to. My credit card company has failed to address this despite repeated requests by me to have it reviewed and taken care of. They continue to have it on my balance and charge me interest. They took off and put it back on my card six times in the last six months, each time I think it is finally dealt with, then they put it back on my card. I have contacted the CEO 's office to get it dealt with and they still have not resolved it. 
I have never bought anything from XXXX and the {$1800.00} charge that keeps getting put back on my credit card by USAA is NOT MY CHARGE and I should not have it on my card or be forced to pay for it. I have had to pay the interest on it for months and months now while they still do not resolve the issue. 

USAA has provided absolutely horrible and probably illegal service on this issue and they still have not done anything to successfully resolve it. IT IS NOT MY CHARGE AND I WENT THROUGH ALL THE STEPS TO GET THEM TO DEAL WITH THIS AND THEY STILL HAVE NOT - IT HAS BEEN SIX MONTHS OF ME TRYING TO GET THIS RESOLVED! 

I am ready to hire a lawyer and do not know what else to do.
I am XXXX Military person ( Family ) who 's tried to have a loan modification and/or a short sale through both of my mortgage companies OCWEN and XXXX XXXX over the last few years now!!! We have suffered nothing but heartache, stress, hardship and financial burden with over a year and a half of trying to get approval for a short sale on my residence and losing Two potential buyers, I have provided everything that has been asked for and all paperwork each time!!! Many times the same paperwork again and again!!!