WillisBack/dataset-financial-user-claim huggingface dataset:
I was at Kay Jewelers in XXXX XXXX, FL and the salesman asked me if I was a rewards member. I replied no, but was interested because I wanted to get my girlfriend a pricey set of jewelry. The man said that with the rewards card I can also finance some of their products too. I believed that was great but I did n't want to take out any credit cards, so i asked the man if it was a credit card, or if it will affect my credit. The man assured me that it was not a credit card, and that it is only for financing in store, so it wont affect my credit. I was like OK great, let me sign up. I later in the month check my credit through an online credit checking service, and my credit score had gone down about XXXX points due to a new line of credit and a hard inquiry in my credit.I did not solicit a new line of credit and i was not told it was going to affect my credit, the salesman said rewards card that also allows for financing. I specifically did not want to touch my credit because I plan to buy a car and I wanted my credit to be good not XXXX points lower.
On background pending charges come up on a XXXX case in XXXX WI I was not convicted of any charges there are fines I have to pay it is against state laws to discriminate on not hiring individuals on charges they have not been convicted of
Hello I am writing this regarding an old case " XXXX ''. Discover didn't solve my issue. They asked me provide additional information about the case. In the mean time i have talked one of the executive from discover. he said in the additional information its needed to show that i was not present at the home deport while those charges were made. When all those charges happened on my account i was working each and everyday. Down below i will attached my time sheet from my work. My time sheet shows i was working those moments. I don`t know what other way i can prove that i was not present there.
The creditor is Discover Private Student Loans. I was a co-signer for my son. The money was not used for tuition and education expenses, but for his housing and living expenses while in school. The loan does not qualify for protection because it does not meet the criteria under 523 ( a ) ( 8 ) of the Bankruptcy Code. The creditor was notified by the BK court, did not respond, and the debt was fully discharged in XXXX, XXXX. Now in XXXX, XXXX, I have started receiving collection calls ( XXXX ) trying to collect the debt. When I give them the BK info ( Case Number, Court where filed, Judge 's Name, and Date of Discharge ), they argue that they do not have to honor it because Student loans are not dischargeable. I 'm XXXX years old. My son did not discharge his debt to them and is still on the hook for it. He is currently out of work and struggling to get by. XXXX clearly shows the name and address of this creditor. There should be protection for us and a way to stop this from happening. Bankruptcy is stressful enough without having to relive it daily with collection calls for discharged debts.
There is a released State Tax Lien reporting on my report in the amount of {$3700.00}, which I was never made aware a lien, issued an IRS Form XXXX ( XXXX  ) to tell me I had a lien nor a XXXX ( XXXX ) Release of Federal Tax Lien. This was reported in XX/XX/2016 and when I disputed the validity, it was marked released two months later -however it was not removed. XXXX and TransUnion are illegally reporting this State Tax Lien, after 3 dispute attempts.
I was in contact with an Associated bank phone banker on a Sunday ( I dont have dates due to not being able to log into my account currently ) and was told I needed to go into a branch to dispute unauthorized charges that were on my debit card. The phone banker put a freeze on my debit card that day. I was able to get into a branch 2 days later due to work schedule and there bank hours. I spoke to the branch manager and explained to him there were 3 charges that  were unauthorized for over XXXX with international fees and charges. I signed the form that the banker went over with me and he submitted it to there fraud department. He did say I would be receiving notice of the dispute and that if could take 7-10 business days. I received no notice during the 7-10 days that my dispute was in processing or any form of update throughout the 7-10 days stating that it was in process. On the 10th day I received a notice in the mail stating my dispute was denied and that the charges were authorized based on the information gathered. I then called 2 different occasions and requested that information that was gathered that said I did make those charges. I have yet to receive this information and keep getting the same answer " we sent that department an email. '' I have not been given any information and noone has been willing to provide me a intelligent answer or provided me info regarding my dispute.
XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX, Ca XXXX, that included a security deposit of {$14000.00}. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ) XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ) XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone, returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit. 
XX/XX/2016 Official refund request was filed with XXXX at their Customer Care Recovery. 
Recurring 2-week extensions from WF until XX/XX/2016 when I was notified by XXXX that she was now reviewing the case and that any previous documentation could not be found. The entire process had to begin again. 
Recurring 2-week extensions from WF to date.
Lender Sportsman 's Credit, LLC agreed to drop my payment to {$350.00} due to me having to pay the IRS every month. I have been paying {$350.00} for almost an year know. Well lender XXXX XXXX had a real bad attitude on XX/XX/2016 and told me I have been paying partial payment and that I 'm {$1800.00} dollars in late fees. I did n't know anything about this. He also got mad and told me he did n't want my tragedy XXXX car and to go ahead and file bankruptcy like my friend did which I did n't not know.
Once again you guys have not provided me with the name and number of the person who has verified the BK on my credit report. You have told me that the furnisher has verified the BK. However if the furnisher is the courts they have already informed me that they don't report the BK to any reporting credit agency. You guys don't even verify the BK because you pull it from a 3rd party and just slap it on my credit report. By doing this it is illegal and I will be reporting you to the FTC and filing a law suit if you don't remove this from my credit report. I will also report you to the Attorney General because you can't provide verification with my signature on it showing that I signed for that Bk. This is your last chance to get it removed before I go to the FTC and Attorney General about your Unlawful acts.
this creditor ( turner acceptance corp ) has sold my account to a third party debt collector has sold my account to XXXX for non payment and was reporting balance correctly at XXXX each month for approx 5 years in XXXX or XXXX of 2016 they changed balance to credit Bureau to XXXX without any notice to me At all which is a fcra violation, I 've called this the original creditor to fix balance but they refuse to do so they just direct me to call collection agency which they do have correct balance but they are not the once negatively reporting to score. Which is another fcra violation, XXXX has fixed this issue for me numerous times and told me the company needs to fix this or this issue will continue each and every month. I have file numerous disputes showing proof of corrected balance to credit be bureau and only XXXX corrected XXXX refused without sending me notice of why they would n't except the proof of correct balance directly from the debt collection agency XXXX, this is affecting my credit and affecting me from being able to purchase a home or to even get a new car. I am willing to pay of balance of XXXX but only if company is willing to remove From credit after receipt of payment due to all the stress and frustration they have cause it reporting this incorrect balance.
Called and was swearing on the phone cause I keep fighting this account where it it 's not mine and they have not sent me anything signed by me Account was from XXXX and have never had it Also is reporting missed payments Ive never made a payment and am not going to unless I get something signed so I can see who signed it also reporting the wrong date on account the paper they showed me from the account shows a different date account needs to be removed until I get a signed paper and can verify my signature
I have notified XXXX several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.
I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency XXXX & Experian I contacted the creditor XXXX to get help to resolve this mistake. XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at XXXX and Experian & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX XXXX of the President XXXX. Here is what XXXX was told by XXXX " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to XXXX by phone and fax and to Experian by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both XXXX & Experian despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX and provide contact information for XXXX XXXX at XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.
Capital One has been calling me between the hours of XXXX and XXXX since XX/XX/XXXX. On XX/XX/XXXX I finally answered the phone and told them to not call me at this time anymore. The calls did not start again until XX/XX/XXXX when I received a phone call at XXXX. I answered and let the woman know that I was XXXX where I resided. Although she was very apologetic and exclaimed that she would file a complaint on my behalf to inform Capital One of my annoyance of their calls, she persisted to attempt to collect a debt from me. I spoke with her for 7 mins as she set a payment arrangement. She knew that it was wrong to continue to talk to me. So fast forward to XX/XX/XXXX, Capital One called me at XXXX and called on XX/XX/XXXX at  XXXX, and on XX/XX/XXXX at XXXX. They know the time zone that I live in but continue to call me at these early hours which are definitely against the law. I have
On XX/XX/XXXX an automated payment in the amount of XXXX was posted to my XXXX XXXX credit card account. Around the same time my bank account was compromised and my bank advised that all outgoing payments/debits would be reversed. I contacted XXXX XXXX on XX/XX/XXXX and expained that the payment was most likely going to get reversed and that I would like to make another payment to avoid late fees and prevent my account becoming past due. I was able to speak to a manager and he processed another payment.I have attached a payment confirmation e-mail from XXXX XXXX showing the amount of the payment and the date of the payment. OnXX/XX/XXXX I received a bill from XXXX XXXX ( please see attached ) showing a XXXX balance and the payment from XX/XX/XXXX posted to my account. 
On XX/XX/XXXX I logged into my XXXX XXXX account to make a purchase and I noticed that I have an account balance of {$59.00}. The balance was for the initial account balance of XXXX, late fee and interest. I contaced XXXX XXXX and spoke to 3 different representatives over a period of 2 hours and they all stated that my account is past due because the payment from the XX/XX/XXXX was reversed. All three representatives stated that they do see notes on my account from XX/XX/XXXX supporting the fact that I did make another payment but neither could explain why they did not post the payment from XX/XX/XXXX to my account even though a manager took my financial information and provided an email confirmation for the payment. 
XXXX XXXX has now incorrectly reported my account past due to the credit bureaus and as a result it's has impacted my credit score negatively. XXXX XXXX is in violation of Fair Credit Reporting act FCRA 5 U.S.C. 1681 and should be held liable.
I wrote a certified letter on XX/XX/XXXX, to the collection agency after seeing them reporting on my credit report. In that letter I specifically requested to : Please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter.

I received a letter back on XX/XX/XXXX without any of this information instead they sent me a computer print-out that does not even have my signature.

I sent them a letter on XX/XX/XXXX explaining this information and to delete all negative marks from my credit report.
I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.
I am attaching a description of what happened in a nutshell it an attachment, as the actual time dealing with this and dragging paperwork out over and over has made it difficult to locate all of my notes etc dealing with this. They refused to take care of fraudulent charges on my account while using the excuse that they did not get information from me. I can not provide what I do not know about a company that has put charges on my card in which I did not authorize. They repeatedly made calls including " robo '' call day and night from XXXX aboutXXXX on my cell phone. They refused to stop up request. After acknowledging fraud they still did not deal with the situations and they continued to try to collect.
I do not reconize this debt as mine, this company has fail to validate this debt, therefor I'm requesting for it to be deleted from my credit file.
I opened an account with Ctizens Bank in XX/XX/XXXX. In XX/XX/XXXX, without my knowledge 4 more accounts were opened online and overdrafted. I did not find out about these accounts until i tried to open another bank account in XX/XX/XXXX and could not due to a low XXXX score. I then ordered a XXXX report that were all close due to account abuse. On one account the date reported was XX/XX/XXXX, and the charged off amount was {$320.00}. On aother account the date reported was XX/XX/XXXX, and the charged off amount was {$790.00}. The third account was reported on XX/XX/XXXX and charged off for {$1000.00} and the fourth charged off account was reported on XX/XX/XXXX and charged off for {$390.00} I did file a police report and I have sent numerous letters to Citizens Bank asking for signature cards to be sent to verify that indeed I did open these accounts ( because I did not sign any ) or if they can not provide such evidence to remove the negative marks off of my XXXX account and they have failed to do so.
My mother open a credit card account in my name using my social security number the account was opened up in XXXX an it says I owe them XXXX dollars but I never applied for this card before an it destroyed my credit I need it removed from my credit
XXXX was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over 25 years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM  ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, Experian had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015
The item XXXX, Account number XXXX classified as an individual, utility company account was opened on XXXX/XXXX/2015 and maintained in good faith to be paid in full, every charge which was relayed to the XXXX residence. The date of delinquency first reported was XXXX. This is the same date as the final payment which was provided immediately upon notification of a delinquency in the amount of {$97.00}. The item XXXX is delinquent because, I changed the address on file from XXXX ADDRESS to NEW ADDRESS to which they failed to send notification of an outstanding balance. We received no correspondence indicating an outstanding balance before it was sent to a collection agency and reported to you. Upon notification from the collection agency of an outstanding balance to our new residence we paid the balance IMMEDIATELY in full, which was to include a late charge. Because of this administrative failure by the XXXX Company my family has a now tarnished perfect credit report history, which is to say we have never missed a payment of any kind. I request an investigation to be performed to include any position which might dispute my claim. I attempted to contact the XXXX management to view my previous account and was told that this function was not possible. I also tried to verify phone transcripts and was told this was also not possible. If no proof can be found which invalidates my claim OR if my since closed account payment transcripts are not available I respectfully request that pursuant under the Annotated Code of Maryland XXXX XXXXXXXX and under Common Law XXXX my credit report is updated by the item XXXX being removed from a delinquent position to accurately reflect this truth.
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PH # XXXX My husband XXXX XXXX purchased a property on XX/XX/2010. Two years later my husband XXXX XXXX due to a XXXX XXXX XXXX. When my husband XXXX XXXX I notified the mortgage company of his XXXX, they tols me that as long as i make the mortgage payments i can being that the mortgage was under my husbands name. Because of my husband XXXX went into a financial hardship. My husband was the head of household and he paid all the bills. I fell behind on mortgage payments and XXXX asked me to fill out re modification papers but at that point I did not want to continue to live in XXXX. That is when the property went under foreclosure. The address to this property is XXXX XXXX XXXX XXXX XXXX  XXXX. I have tried to contact the XXXX several times and most of the time I get the run around. I need your help I feel as this is injustice. I was not responsible for this mortgage. This house was sold last year for the amount that was owed, but they still will not communicate with me. I ask for your to please remove this XXXX loan from all the credit bureaus. I have attached documents that prove that I was not responsible for this loan.
XXXX XXXX XXXX XXXX XXXX has an account on my credit report for {$160.00}, however, they have never sent me anything in writing to validate this debt or inform me of placing on my credit. Furthermore, they are not in compliance with the State of Tennessee collection agency regulations. They have to be licensed and bonded to collect debt in this state. They are not listed on state documents to collect. They have NO licenses and are not bonded as required! They are not only violating my FCRA rights but also in violation of the state regulations.