WillisBack/dataset-financial-user-claim huggingface dataset:
I never did business with the company LVNV Funding LLC, both the company and the credit bureau never provided me with notice of this alleged debt being placed on my credit or provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.
Thank you for taking the time to read this letter. 
I 'm writing because I noticed that my most recent credit report contains late payment reported on 30 DAYS XX/XX/XXXX, for my KAY JEWELERS CARD # .XXXX.I have contacted customer service on XX/XX/XXXX to remove that reporting from all XXXX major credit reporting agency due to the error but Sterling Jewelers Inc- Division : Kay Jewelers Customer Care refused to remove the reporting. ( Assigned request id XXXX for that communication ). During that communication I have informed Sterling Jewelers Inc- Division : Kay Jewelers Customer Care Department the following : when I made a purchase on XX/XX/XXXX, I was told by the sales person no payments or interest for 6 months. In XX/XX/XXXX I started receiving phone calls from the bank Sterling Jewelers Inc- Division : Kay Jewelers. They were asking about the payments. Soon after that I made a trip back to the KEY JEWELERS STORE in XXXX MI. To my recollection the store manager was on vacation and I was told that I have to wait for the store manager to get back to work. Once the store manager returned to work I made another trip to the store. Manager stated that they have not had that promotion and she is not sure why the sales person informed me about it. Manager attempted to convince me that it was a misunderstanding between me and the sales person. Immediately after that I made a payment and I was current and on time with all payments and paid off entire loan.
I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! _____________________________________________ Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX _____________________________________________ XXXX XXXX   XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX   XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX
On X/XX/2017 I contacted my Federal Student Loan service provider, NELNET. I was attempting to obtain an amortization schedule. An amortization schedule is not available via their website and my Mortgage lender was requesting one. No one at NELNET was able to provide one. I spoke with XXXX XXXX at one of the east coast service center and she stated that she would not provide one even though they had them for their internal records. They advise that since they change my payment at anytime with a 30 day warning that the amortization schedule was not allowed to be released to me. As borrower I should be able to have this documentation for my records yet they refused to provide anything that could not be printed off their website.
Due to the unfortunate fact that XXXX XXXX of US Bank completely ignored the evidence I submitted and answering my question for Case number : XXXX, I am resubmitting this document a second time, as a new complaint in regards to my problem with US Bank. And, like XXXX XXXX has asked to me, I ask him to read this and the document very carefully. 

I opened up a checking account in XXXX and then two CD accounts in XXXX, both at the Yellow XXXX office of US Bank. At both times they were under the aegis of XXXX XXXX, although a second manager handled one of not both of the CDs, under her supervision. 

It is my contention that I opened the CDs with all mailing to go to my Vermont address. 
It is US Bank 's contention that I never did any such thing. They have provided me signature cards as the only evidence of this. 

I have asked US Bank for more evidence than these " signature cards '', namely the full data set for me, due to the fact that during the account opening, I was asked numerous questions all of which the bank manager typed into the computer. During a phone conversation with XXXX XXXX, he offered to research this and discuss " whether ( he ) could do so '' with their lawyers, and said that it could take up to six weeks. I told him to take the time he needed. However, within two days of that, I received in the mail copies of the signature cards, and nothing more. When I contacted XXXX XXXX about his offer to research more deeply, he said he had never done any such thing. 

It is US Bank 's contention that I never contacted them or informed them about a Vermont mailing address until some time in XXXX. Assuming that I did this, the address was not fully corrected even as late as XXXX XXXX, even despite XXXX XXXX own intervention in XXXX of XXXX. As late as XXXX XXXX, I received no maturity notice for a CD coming due on XXXX XXXX. I wo n't repeat the many times I had not received XXXX and had to call in for them. For these errors I only have received apologies from XXXX XXXX, but no explanation. 

The evidence that puts into question XXXX XXXX repeated assertion must unfortunately be submitted here again : a bank statement from US Bank, dated XXXX XXXX. It is for the checking account that XXXX XXXX, in his XXXX XXXX response to my complaint [ Case number : XXXX ], says ONLY was signed for either a XXXX XXXX address or the XXXX XXXX address. And if, as he also contends, I never called US Bank until XXXX to inform them of my Vermont XXXX, how does he explain this statement of XXXX with my Vermont address? 

XXXX XXXX, in his XXXX XXXX response, states once again that US Bank had no notice of an address change until my call of XXXX. If that is the case, then he must at least respond to this bank statement of XXXX XXXX and state how it is possible that US Bank had my address then? ( And possibly earlier. I only have access to XXXX XXXX online. ) His previous unwillingness to answer this important question does not resolve the matter.
My netspend debit card got unauthorized transactions for a hotel in XXXX which I do not have passport nor purchased a plane ticket..I had charges from XXXX XXXX.XXXX XXXX.i called the police as it was happening be they did not have a 24th our hot line called in the morning had card blocked was told charges was pending an they allowed the transaction to go thru days later after having my card blocked..I 've called several times an told different things an hung up on ... I am very upset I have bills do an need food for my children ... Please send a fax so I can fax documents
I requested my free annual credit report back in XXXX. I received a report from XXXX and XXXX, but Experian refused to provide it. 

I would like Experian to fulfill their obligation to supply a free report.
I was issued a fraudulent check in the mail, and then made payments based on the payers instructions and ended up losing the money through fraud. I had cashiers check sent in the mail for {$2200.00} for a table I was selling along with the payment I was to pay movers. I deposited the check and it cleared with my bank PNC. So per the buyers request I sent the movers payment of {$1700.00} with two separate transactions via XXXX to XXXX XXXX at XXXX and XXXX. The first transaction was {$1000.00} on XX/XX/18. The second for {$700.00} on XX/XX/18. The buyer later requested a refund and said he no longer wanted the table so I attempted to refund to XXXX XXXX at XXXX via XXXX however i realized the fraudulent check was withdrawn from my account by that time so I canceled the final payment. The issuing bank discovered the fraudulence and withdrew the initial {$2200.00} Overall they stole {$1700.00} from me. I have the persons phone number as he has been texting me from XXXX ( XXXX ) XXXX. I have filed a police report. XXXX and/or PNC are able to track where the payments were sent and contact that bank or get the receivers information so that I can give them to authorities. The banks are doing nothing to resolve this issue of fraudulence or offer any type of fraud protection to get me reimbursed or find the person so I can inform police, and I have spoken to multiple levels of customer service.
I have been disputing XXXX loan companies that have used my information without my authorization. XXXX XXXX XXXX has issued a loan to someone who is not me in the amount of XXXX. XXXX XXXX XXXX issued an unauthorized loan in my name for XXXX. I have never received any monies from said companies nor have I made any payments towards the fraudulent loans. Neither of those loans are authorized by me. Despite numerous correspondence, Equifax continue to list the fraudulent accounts on the credit report. I have provided sufficient evidence that I have a victim of identity theft ( Victim 's copy of police report, Identity theft affidavit, XXXX XXXX XXXX statement proving that the loans was sent to a FRAUDULENT account in my name ). I have opened several disputes with the Equifax company to no avail. XXXX and XXXX have both removed the fraudulent loans. Any assistance with this matter will be greatly appreciated. Please forward any documentation requests you may have.
I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX  one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over XXXX XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX XXXX there is over XXXX XXXX XXXX in a 6 hour radius of where i currently live.
This complaint is directed toward Lexis Nexis and its affiliated companies involved in consumer credit reporting. I have been trying to fix erroneous information being reported on my XXXX and XXXX reports. The information is being supplied by Lexis Nexis databases according to both CRAS.
I have requested my consumer reports from Lexis Nexis repeatedly through email, fax and letter and have been ignored. I would like every and all information that Lexis Nexis compiles about me and have all errors deleted.
XXXX XXXX XXXX has informed me that they are excited to let me know that they have received the Initial Approval on my loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
1. Page XXXX shows EQUIFAX reports a score of XXXX as of XXXX/XXXX/XXXX. Page XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

EQUIFAX 'S KEY FACTORS Serious delinquency and derogatory public record or collection filed Length of time since derogatory public record or collection is too short Proportion of balances to credit limits too high on revolving credit accounts Too many inquiries in the last 12 months The number of inquiries has adversely affected the credit score. 
Letters submitted on or about XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, am d XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX AND XXXX have been filed disputing these very same key factors. EQUIFAX did not respond to Case number XXXX as they suspect that it may have been submitted using a credit repair company. Their suspensions are in error. This case was submitted by customer. After reviewing Equifax credit file # XXXX dated XX/XX/XXXX, ( XXXX pages ), it reveals the information provided by EQUIFAX does not support any of these absurd key factors.
I was checking credit reports on  XXXX / XXXX /  XXXX   and noticed that my scores had decreased by  XXXX  points. There has not been any negative changes with my credit reports. My scores should not have changed.
On XX/XX/2018 I sent a letter to the collection agency to validate this alleged debt. On XX/XX/2018 I received a letter saying they " verified '' it but determined that my " dispute '' didn't contain sufficient information to resolve the matter. I do not owe this company anything. The original debt from, XXXX SOLD this account to the collection company, XXXX  XXXX. In the US law  encyclopedia, XXXX   XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Trans Union had a glitch in the system that violated the rights of the consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as as result. 
No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 

XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016
My mortgage servicer Caliber is making false and fraudulent claims to me, to Congressman XXXX XXXX 's office and also to your agency. I filed a complaint against Caliber relating to my FHA mortgage loan a few weeks ago. Caliber says one thing in the letter, but the reality is something different and their agents tell an entirely different story. The bottom line is that Caliber has continually refused to conduct an ACCURATE review of my household 's entire financial circumstances and instead puts together bits and pieces. They claim transparency yet never disclose the figures that were used in their calculations. I work full time, my husband works full time and contributes 100 % of his income and my son receives SSI as well. Caliber 's claim that there are not any FHA homeowner assistance programs that we qualify for is demonstrably false. The numbers don't add up, the math just does not work, and I know that there are options such as partial claim or repayment plan that they don't even address, besides loan modification or special forbearance. Their response reaffirms all of my claims about their obstruction of this process. I am being denied access to government programs that should be made available to homeowners in my situation. 

After filing complaints against Caliber with your organization I was finally able to get someone to pay attention to me. I was told on XXXX XXXX that they were willing to review me for a modification, and I quickly got all of my paperwork together and sent it in. Just a few days later I was told that now Caliber was REFUSING to review the information because I had a sale date on XX/XX/XXXX. Why would their agent tell me that I should hurry to get my information in for a review and then once they have it refuse to even look at it? 

When it became obvious that Caliber was hell-bent on selling my home and not giving me a chance to resolve this matter I was forced to file bankruptcy. Amazingly, they begrudgingly agreed to begin working on my file again. However, I once again ran into issues as their agents were falsely claiming that many documents were missing. I got on the phone at XXXX XXXX XXXX and spoke with XXXX. After a very lengthy phone call and a heated discussion she went through all of the uploaded documents and found that ALL of the requested documents were there. 

This company is a joke. XXXX is deliberately denying access to programs such as loan modification, partial claim, special forbearance and repayment plans. We have more than enough income to qualify for one of these programs, but they are more interested in foreclosing and cashing in on the insurance. That is not going to happen, we already have HUD investigating their servicing practices.
29 days ago ( XX/XX/XXXX ) I sent XXXX EUR via SEPA transfer to Coinbase however these funds are still not in my Coinbase account. In previous experience it has taken 1 to 2 days to arrive. I have provided the evidence of this transfer to Coinbase but no response from anyone at Coinbase since XX/XX/XXXX ( 24 days ago ).
I called in XXXX/XXXX/16 and settled my account for {$450.00} I was told fees would be adjusted within 48 hours and I would have zero balance. I even said in my payment authorization that I only approve payment with XXXX balance she confirmed and took payment I have the recording as well. They then left fees continue to charge interest and report my credit. To this day its on my credit. I want this removed from my credit entirely or I will sure for inaccurate credit reporting and damages. My account was paid and settled I want it closed like promised and removed from my credit immediately.
I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX.
I had an FHA home loan with PHH Mortgage Company until XXXX XXXX, 2016. On XXXX XXXX, 2016, a corporate relocation company acquired my home to eventually settle on the house with private buyers. Therefore, I was not required to make a XXXX mortgage payment. I cancelled my automatic draft online at XXXX ( PHH Mortgage Company ) on XXXX XXXX, 2016 ( Sunday ) but their system took 4 days to load, and I could not call anyone to confirm since they are not open on Sundays. My XXXX mortgage payment automatically drafted {$1800.00} ( and change ) from account. On XXXX XXXX, 2016 I contact PHH mortgage to request a refund because the relocation company paid the XXXX mortgage and has confirmation of doing so. I faxed a formal request that same day and was told I would receive the refund in XXXX10 business days. On XXXX XXXX, 2016 I called back asking for the status since I had not been refunded. I was told that they had send a check in the mail, but that they would contact their cash management group to re-send a check. I was told to call back the next day to ensure this happened. When I called, I was told that I might not be able to receive a refund because my account would become delinquent, and was asked to call back a week later. Finally, after 6 calls, and over 3 hours either on hold or talking with a customer service rep, I was directed to a supervisor. On XXXX XXXX, the supervisor informed me that I can not receive a refund because then my account will become delinquent and will show negatively on my credit report. I explained to them that they have been double paid for XXXX, because the relocation company also has record of paying XXXX 's mortgage payment since they now own the home. It is XXXX XXXX, and they still have not issued me a refund for the overpayment in XXXX, and I was directly misinformed by XXXX of their customer service reps telling me that they had already issued payment to me earlier in XXXX, which I confirmed later on was not true. I also submitted my refund request on XXXX XXXX, 2016 and it took them until XXXX XXXX to review and advise me that they will not refund my {$1800.00}.
I created a checking account with Citibank under the promotion that you would receive XXXX american airlines miles. I completed the requirements for the promotion and even confirmed that I had completed the promotion with one of their representatives. They told me I had to keep the account open for 90 additional days, accruing more account fees, and then by XX/XX/XXXX the miles would be deposited into my account. XX/XX/XXXX is now over and Citi is now saying that I am not eligible for that promotion.
I started pursuing a XXXX degree in XXXX at XXXX XXXX XXXX in XXXX Utah in XXXX and was told that I would be in debt of {$45000.00} upon graduating. They did all of my XXXX and Federal Government loans and I never really understood the amount that they were applying for. I graduated in XXXX with my XXXX degree, but had to get a forbearance. I had a forbearance up until XXXX. I am now finding out that I owe {$91000.00} for Federal Student Loans, and I believe that they have double charged me for classes and/or charged me for classes that I either didn't take, or were irrelevant to my degree.