WillisBack/dataset-financial-user-claim huggingface dataset:
I left a business in which I was the Guarantor on several accounts. One account being a Chase Bank credit card. Per legal contract with the business I was leaving they were to remove me as guarantor from all accounts and assume all prior debt and future debt. This was in XX/XX/XXXX. 

In XX/XX/XXXX I found out that they were still using my personal guarantee and had made no attempt to remove me. This was a fraudulent use of my credit. I closed the accounts immediately I hired an attorney and began a law suit which resulted in an out of court settlement agreement. It was too late to fix any credit issues that came up. qn attorney who did not understand that I needed to expedite the process before my credit was trashed. 

I am an account holder with XXXX credit reporting as my FICO Score is normally between 790 and 830 on average. On XX/XX/XXXX my score dropped from XXXX to XXXX ( 200 Points ) and Chase Bank Business credit card services reported two months of missed payments.

I believe I had the right to be notified of any changes prior to my score being changed and notifications of any payments in default. If they sent that to the company I no longer owned of it was not forwarded to me by mail or email. 

Chase had my SS # and could have found my home address at any time. 

Now under the settlement agreement I managed to get the account paid in full within a week but after two months of missing payments by the company. Chase did remove the non payment info but not the business address. However, they only restored 132 points to my FICO credit score making my normally excellent credit score just good.

I noted another address that looks like a typo to my home address. Have to fx that also and was placed on the report by chase.. 
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I placed a Fraud alert on my accounts and XXXX used the words military service. I am XXXX years old and have no reason to join the military. I am now forced to explain by letter to correct that. They cant explain or fix it by phone. I guess i many now be in the military under XXXX XXXX. 

MY issue is that my credit was used fraudulently. I have hired a firm called XXXX XXXX to go through my credit reports and have them fixed and have provided all legal documents.. 

The one big no answer that a have received from everyone so far is why cant I get my full FiCO credit points restored. Am I the only one to ask? XXXX said it was a computer-generated decision, so now according to the computer I am not good enough to have excellent credit only good credit.But I can fix that over time they said. I have already spent 32 years keeping excellent credit scores but that does not count. 

So does anyone know how to restore Fico Points removed from an account by fraudulent use. I could sue Chase Bank and waste more money but there should be a way to dispute the point Reduction in cases of fraud.
XXXX XXXX listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.
During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that INNOVIS DATA SOLUTIONS has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND INNOVIS DATA SOLUTIONS SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!
On  XXXX   XXXX    XXXX   I faxed my police report identity theft report to Transunion because I am a victim of identity theft someone stole my personal information and opened up accounts in my name. I was told by the supervisor by the name of  XXXX  that once they receive my police report they would remove the fraudulent accounts as well as those inquires off of my credit report. Now the supervisor is telling me that they can only dispute the accounts and they are still on my credit report. I am being treated like I am the bad person and the reps were so rude like they do n't even care. Something needs to be done about Transunion tactics because I have been experiencing problems with them since this has happened to me.
Navient Account No : XXXX We refinanced our home to payback the largest amount of my son 's school loan due to the excessively high interest rates that were are being charged. The mortgage company delayed the original closing by 19 days so I made an additional payment to my school loans which became due between XX/XX/XXXX ( when we were supposed to close ) and XX/XX/XXXX. The mortgage company being the idiots they are did not pull another closing amount but just told us the company could refund us the over payment. Navient received their money on XX/XX/XXXX ( I have a registered receipt with the date and person receiving our payments ) only credited the money to our account on XX/XX/XXXX and then kept the extra {$1200.00} overpayment. I looked up the instructions on the Navient website on how to send in the payments and followed the instructions indicating the two loans to be cleared and the balances to be refunded. Navient chose to ignore these instructions. I have called them 3 times and on the last two occassions they indicated they would be refunding the balance - the first person said by direct deposit as that is how they get paid and the second woman said they would mail a check. This was over 6 weeks ago and they are still holding my money.
A company called  XXXX   XXXX  license number  XXXX  called and attempted to collect on a credit card account from    2003  that was paid in full with the company Washington mutual via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.
The creditor has now confirmed in writing it has no application, received the account from someone else, has no billing statements or receipts to provide on this decade old account. Strangely, it 's only evidence that the 'someone ' referred to the letter is me is that they claim they detected fraud on the account seven years ago and think they spoke with me. This is what serves as " verification '' these days, i.e. a spreadsheet containing what information they are reporting with nothing whatsoever to back it up. At this point, XXXX having made these statements in writing, I think it is incumbent upon Equifax to remove the account unless and until XXXX can respond with anything at all indicating this account is mine, or the account was used by me.
I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

Please give explanation, as to why your company failed to produce and provide, itemized mortgage statements for XXXX and XXXX of 2015. In the multiple correspondences, never has your company produced, or provided those two months, EVER. Do they exist? 

Immediately stop foreclosure proceedings, and fix all errors.
I have a Public Record listed on my credit report that is inaccurate and incomplete such as a Bankruptcy that Equifax is reporting. The federal law requires that the credit reporting agencies provide mechanisms to ensure that each item on my report belongs to me and is accurate and complete. I have requested from Equifax numerous times for VALIDATION that is competent evidence bearing my signature, name, address and telephone number of each person they have contacted to VALIDATE this bankruptcy and they have failed me only to return stating that it has been verified with no substantiation whatsoever. I have received a letter from Federal Bankruptcy Courts stating that they DO NOT report information to the credit reporting agencies, but yet Equifax is saying they have verified it with Federal Bankruptcy Courts, and I know they do n't because the information they are reporting is inaccurate and incomplete.
I fell behind on my mortgage and applied for a refinance/bailout with M & T bank. I was approved, signed/notarized all the documents, and returned them to the bank XXXX 2015. I apparently missed a signature page and M & T resent the documents without informing me. Someone signed for the documents that does not belong to my household. I have personally experienced mailmen and UPS people switch the numbers of the house and deliver other peoples mail to me. I tried to express to M & T that it was not me who signed for the documents. but they will not resend the documents to me. Instead, I need to reapply.
Nissan Motors is reporting a repossession on my credit file. This is not a repossession. This account is in good standing.
NEW CITY FUNDING KEEPS PUTTING THIS ON MY REPORT WHEN THIS WAS MY MOTHERS CAR. At the time she got this car I had my permit, and I never agreed to be a co signer I agreed on being someone they will call if she doesnt pay her bill. I just got my liscense in XX/XX/2018 this car was taking out a year before that, Ive contacted them multiple times telling them this and they tell me theirs nothing I can do but take my mom to court and Im telling them I never signed any documents and even so I didnt have my liscense so how could I be a co buyer. What further action can I take now becaus this isnt my responsibility and its affecting my credit!
On XX/XX/XXXX my payment to pay the remaining balance of my student loan cleared my bank. After I had made the payment a representative told me to to call back the following Monday to request a paid in full letter. When I did so I was then told it takes 30 days, so I waited 30 days and called back, at this time I requested if the letter had not been requested yet to please send a paid in full letter by mail. A week later I still had not received anything so I called to follow up, was advised a letter had just been requested on the XX/XX/XXXX which was several days after I had requested it however I said ok I will wait to receive it and call back if I dont have it in a week. A week later I received a receipt not a paid in full letter stating I would receive a paid in full letter within 45 days, so now I hears different time frame and I called to talk with a manager by the name of XXXX. I explained to her my frustration with getting a different answer every time and mention how this only confuses consumers and I was thinking about filing a complaint, XXXX seemed understanding and placed me on hold to speak to the department that sends the letters, she then gets back on the phone and tells me it could possibly take 45 to 60 days to generate the letter even though my payment had already cleared my bank, I again stated now I have a time frame in writing and being told yet again a different answer. She had said she apologized and since I mentioned filing a complaint she could do that on my behalf, I questioned this and she stated she could send me email confirmation the complaint had been filed. I NEVER received an email of this and to this day XX/XX/XXXX have yet to be sent a paid in full letter. This is absurd that a lender is so careless and does not send requested documents that they legally have to supply. This may be a reason we have so many issues with defaulted student loans is lenders dont give the required information and consumers get frustrated and dont want to deal with it. Also when this was reported on my credit report it did not do anything to positively effect my score, I am not sure how that portion works but would like it looked into.
A law firm acting on behalf of Unifund got a court order judgement against me for way more than the debt owed. There are several points to this complaint : - Unifund 's law offices representatives REFUSED to let me speak to their attorneys. 

- they threaten me and told me not to get my own attorney. They told me if I hired an attorney they would charge me {$25000.00} in fees as a penalty. 

- I was never served papers on this case. I pulled the serve and they say they served a XXXX XXXX which is impossible bc there was/is not anyone else at the home that fits the XXXX description on the paper. 

- they keep changing the amount I owe and refuse to put the exact amount in writing. 

- when I offered to pay the amount of the judgement thet refused to provide a receipt or any paper work saying I satusifued the debt. 

- they threatened to ruin me financially and said they would never stop suing me
As of XXXX XXXX, 2016, I have now submitted on three different occasions, XXXX XXXX, 2016, XXXX XXXX, 2016 and again on XXXX XXXX, 2016 disputed information to Experian Credit Monitoring Services regarding incorrect personal informatin on my credit report. The fact that my disputes and requests for correction never get addressed and I 'm never even notified by any party on the outcome, if there is an issue ( s ), if there 's a need for additional information, or of anything, I 'm continuing to have to submit disputes to Experian Credit Monitoring Services regarding correction of my personal information. The fact that each time nothing gets corrected, raises significant question regarding the overall reliability, integrity and validity of Experian Credit Monitoring Services of doing any part of their job in investigating and correcting and responding to my inquiries, disputes, and requests. A copy of this complaint is being forwarded to other governing agencies, one of which will include the Office of Inspector General, Federal Reserve. 

On XXXX XXXX, 2016, I submitted an online dispute notification to Experian Credit Monitoring Services, but nothing was ever corrected regarding my dispute of personal information. 
On XXXX XXXX, 2016, I called Experian Credit Monitoring Services and spoke with a representative who identified herself as XXXX and she indicated she was on " Team XXXX ''. XXXX stated she would correct all of my personal information in which I had originally disputed on XXXX XXXX, 2016. We went through each item line by line. 

On XXXX XXXX, 2016, upon reviewing my credit report once again from Experian Credit Monitoring Services, my report is still showing the incorrect personal information that was supposed to have been corrected upon online submission of my dispute and correction request on XXXX XXXX, 2016, and upon my subsequent follow up verbal telephone call on XXXX XXXX, 2016 to Experian Credit Monitoring Services which entailed a verbal discussion with representative, XXXX, who stated over the telephone on XXXX XXXX, 2016 that the personal information has been corrected.
On XX/XX/2016 I sent {$2100.00} to a friend. I sent it as a payment so it incurred {$64.00} in fees to my friend for the transaction. Then she got a notice from PayPal stating that she could not get the money for 21 days because of a hold. 
The money I sent was done as an Instant Transfer and the money was immediately taken from my bank account so I was shocked that it needed a 21 day hold? I bank with XXXX XXXX so should not be any problem clearing. At this point, we decided it was faster and easier to just send a check via USPS. She then processed a refund the money to me on XX/XX/2016. 
When I checked my PayPal account on XX/XX/XXXX, it stated the refund is " pending '' deduction from my bank account. However, when I checked my bank account online it was deducted the instant I submitted the transaction to PayPal. 
I still had to pay my friend the money so yesterday I sent another transaction, via Friends and Family option, and the money was again instantly taken from my account. When my friend received the funds, Paypal wanted to put another hold on the funds that I sent, but my friend was able to access 50 % of the money on XX/XX/XXXX and then have the remainder avaiable on Friday, XX/XX/XXXX. 

Today is XX/XX/XXXX, both transactions I initiated through Paypal as Instant Transfer were deducted from my account but I am still waiting on the refund that was processed on XX/XX/XXXX. 
Both transactions were deducted " instantly ''. On XX/XX/XXXX I spoke to a " XXXX '' at Paypal about the " pending '' refund. He told me that he could see the money had been deducted on the XXXX and he would escalate the transaction and I should see the money in my account in 24-48 hours. As, I need the money back from the first transaction. This is {$2100.00}. It is now past 48 hours, I called this afternoon on XX/XX/XXXX, to Paypal, and the person I spoke with kept telling me that the funds had not cleared from my bank account yet, which is a big fat lie! How could they have given my friend 50 % of the funds on XX/XX/XXXX if they in fact did not have the money from my account. This is total scam and I will never use their service, if it can be called that again. I they are holding my {$2100.00} just to hold it. If they want to call them self a payment method they need to step up their game. Next time I will send via XXXX XXXX or snail mail. I need the refund processed on XX/XX/XXXX refunded asap. I hope someone at your office can assist me in getting the cash back. I can provide documentation ( screen prints ) from my checking account that show the funds were " instantly '' transferred. They should be able to " instantly '' put them back. XXXX XXXX XXXX XXXXXXXXXXXX
Credit Solutions is reporting a debt that was charged off by a credit union more than 5 years ago. It is past the statute of limitations on the debt. To cause me pain in an attempt to force me to pay it they have re-aged the debt to make it look recent thus impacting my credit scores and causing me to be declined for a home loan. The original debt charged off back in XX/XX/XXXX. Credit Solutions is reporting that the debt opened in XX/XX/XXXX which was past the statute of limitations at the time they opened it and they knew it. They have never attempted to contact me to verify this debt. NO attempt at all has been done to validate the debt which is a direct violation of the FDCPA 809 ( b ) FTC XXXX XXXX. The reporting is completely inaccurate and they know it.
After turning in a lease on our Chrysler 200 that was in good condition and XXXX miles under the mileage limit we were given a bill for {$1000.00} for excess wear .... wear consisted of small scratches that the photos on the inspection report show that are diet that could be wiped off with your hand. In addition the car looked like the inspector purposely made the car dirty and even charged for a windshield Crack that was less than half an inch and repaired same day from saflight. The chip had mysteriously grown to just over the XXXX limit. Lastly the XXXX key fob was missing, which was our fault as we forgot but called ally after the fact asking if we could send it in to not be charged and they refused. We feel grossly taken advantage of and ally did nothing to even bother to consider our request to review the photos of the scratches. The only legitimate claim were scratches to the underside of the front bumper
The date in question is XX/XX/XXXX, and the XXXX XXXX, MI resident apart of the Scam that was allowed by XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MI XXXX. 

XXXX item # XXXX PayPal Email ID XXXX - XXXX   Details : On XX/XX/XXXX an XXXX  transaction for {$470.00} took place for a clothing garment. Upon receipt of the item, XXXX XXXX XXXX a complaint with XXXX/paypal stating his package was empty/never arrived, despite tracking information showing otherwise as well as my prior XXXX/paypal record 's having not 1 blemish for years of transactions. 

The buyer disputed his transaction with his card issuer, which immediately sided with him, prompting paypal to open an investigation and leech funds from my account to give back to the buyer. This is not normal consumer practice. At no time in my life have I ever bought an Item then scammed the store or the seller back for the money as well. This is NOT acceptable
I have repeatedly disputed these items with Experian since XXXX and they are just now starting to remove the items that do not belong to me. I have also been in touch with the agencies and XXXX and i am not in their system. Everyone is aware that these accounts do not belong to me, yet they are still remaining on my report. XXXX and Experian have removed these items off of my report yet Experian wo n't. I have lost all of the patience that I have. I have filed a lawsuit as of this morning against Experian for the full amount the law allows. From this moment on, I will let my attorneys do the talking. Not to mention that there are addresses on this report that do not belong to me that have never belonged to me and they refuse to remove those as well. I have attached my intent to sue notification that lists all of the accounts that have yet to be removed. This is causing harm to my family financially. I have already filed suit in court as of this morning. They are not operating with the law. They are clearly going against it. I have had enough and now they can speak to my attorney. They only can speak to me when they remove the items.
The collection age ncy Collection Services of Athens failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. The y did not produce the documents establishing liability to them. In  US la w encyclopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; 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. I submitted a debt validation letter to  Collection Services of Athens b ack on  XXXX  and I received a bill which does not equal validation. I have disputed this with  XXXX  and they stated that the debt has been verified which is inaccurate and inval id. Co  llection Services of Athens h as not properly validated the debt within the 30 day time frame and are continuing to reporting invalid and inaccurate information on  XXXX .
Someone open up a merchant account ( credit card processing ) at Chase bank in my companies name. They stole my business identity and my personal identity