WillisBack/dataset-financial-user-claim huggingface dataset:
After XXXX  breach, XXXX  gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, Transunion and XXXX ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.
I have notified all 3 credit bureaus on numerous occasions via certified mail that this account XXXX XXXX that is reporting {$1500.00} IS NOT MINE. Each time the credit bureaus come back and notify me that it will take 30 days for an investigation and this account comes back verified. I sent them an additional letter asking HOW was this item verified as I have never had an account with them or XXXX. After calling the bureaus I was then told that they would not be reinvestigating. I feel as though I am stuck with an account that is not mine. My last letter to them I asked for any documentation from the creditor validating this account and received nothing but a letter from the bureaus stating that the data furnisher has verified the account.

I need immediate removal of this account as it is not mine and NO ONE has been able to provide any information to validate that this debt has my signature on it after 3 certified letters
Through a credit monitoring service, I noticed collection accounts on my credit reports from Resurgent/LVNV Funding. I began disputing this information with the three major Credit Bureaus in XX/XX/XXXX. I asked for validation, but instead received updated copies of credit reports that simply cited verified. I even received letters that reported this information would not be investigated again. While I awaited the results of my continued disputes with the three major Credit Bureaus in XX/XX/XXXX, I received letters from the Debt Collector, that did not contain the Validation I requested from the Credit Bureaus. In early XX/XX/XXXX, I mailed out another round of requests for validation, this time to the Collection Agency. These requests were sent certified, so I am positive that they were received. To this date, Resurgent Capital Services/ LVNV Funding LLC has failed to provide me with the validation for this debt but has refused to remove these items from my Consumer Credit Report.
PAYPAL ... PAYPAL ... PAYPALI am sure you know that paypal holds moneys from small sellers at will by setting up their own policies for disbursements. It is supposed to be for the protection of buyer and seller, but it is really just a scam to increase their balance in interest bearing accounts. For XXXX sakes, how long are you going to allow this practice? If it 's legal to do this because they are not really a bank, then at least bring it out in the open. I am XXXX years old and trying to augment my Social Security payments and they are squeezing me.Their Corporate Chief Legal Counsel works on " human rights '' pro-bono. What a morbid joke! 
XXXX XXXXXXXXXXXX
Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above companies.
I previously filed complaint number XXXX. In this complaint I stated that I found an unauthorized inquiry from XXXX 's on my credit file which was made on XX/XX/2016. XXXX 's responded by ignoring what the complaint said and removing a VALID account from my credit profile.
On XX/XX/2019. I went to XXXX to make my payment via paypal. Upon selecting this option XXXX  website sent me to paypal. I authorized the payment from pay pal picked my XXXX  account. Once selected the I was directed back to XXXX site. I authorized the payment. The website spun and spun and spun. Finally it came back said that there was some sort of issue with the site please check again later. It also said my payment did not process. However I got to paypal and it has processed. I go to paypal it shows the processed transaction being sent to XXXX. I look at my bank account with XXXX it has been deducted. Now my insurance policy is about to cancel due to the error. I can't afford to double pay while they try to figure this out. XXXX 's accounting team told me twice they don't have it. Paypal says they do ... So I am stuck in the middle as a consumer while neither company can provide resolution
Equifax is reporting a late payment on XXXX/XXXX XXXX card XXXX I have called XXXX XXXX and this is not accurate the account has never been late ever. How can Equifax report such inaccurate data? I need some help
The Debt Collection company ( Diversified Consultants ) was referred a bad debt from XXXX for a " XXXX XXXX ''. It is NOT me, but when called by XXXX they asked my phone number and address to ( I thought ) show it wasn't me. Instead they entered my information on the account and are now using that to determine it is my debt. The XXXX account was in XXXX, Texas. I have never had XXXX nor have I ever lived in XXXX Texas. 

They refuse to correct the information they put on their account and when disputed by XXXX they state it is accurate. Of course it is since they put it there.
XX/XX/18 called Equifax to file a dispute that was showing on my credit report obtained by XXXX. 
On the credit report under Equifax it is showing that that I have an UNPAID MEDICAL collection, and I want to know more information about this so I can fix this, as I think this is an error. 
Equifax could not bring up anything under my name, SSN & address. They wanted a 10 digit number, which I do not have on my credit report. 
I also tried to submit a dispute online with Equifax, but this also does not work with the information I provide. 
People on the phone do not understand English very well.
I did the most foolish thing ever and borrowed {$300.00} from " MyPayDayLoan.com ''. I paid {$90.00} by an electronic debit from my checking account. I had really bad vibes about this company so revoked that authority. I have tried to reach a resolution for the balance of {$210.00} but this " company '' simply threatens me repeatedly. I asked for a mailing address to send payment which they REFUSE to provide. The threats continue daily. I want to pay this back on terms which are fair. This company is predatory and threatening. I need help. Please help. I will pay {$25.00} every two weeks beginning XX/XX/XXXX. I am NOT at all comfortable providing them with my debit card which they are DEMANDING. I need assistance securing a mailing address and stopping the threats. Please help!!!!
The chase auto financial repossessed my vehicle on XXXX/XXXX/16 because of my late payments. I got fired on XXXX and could n't get a job for XXXX mon. On XXXX/XXXX/16, I talked with XXXX of rep. regarding the reinstatement. I had to pay {$2300.00} by XXXX/XXXX/16. At that time I have just started a new job so I asked him if I could get some more time, he repeated answer " we ca n't time arrangement ''. Till XX/XX/XXXX2016, I tried to gathered money but could n't. I was giving up but my mom borrowed money for me on XXXX/XXXX/16. I called to the chase if it is too late to pay, the rep. denied because due date is already passed. And blamed me that why I did n't request the extension when they sent me a notice. I have never receive the notice. Also I do n't even know there is the notice they should send me after the repossession. So I requested them a copy of notice they sent me. It says I have the right to request the extension. I feel this is so unfair. I lost my right because they failed to give me a notice. If I receive the notice I could request the extension and I have the funds two day after the due date, I could get a car back now.
My Identity was stolen recently and all my accounts and everything was frozen. I was unable to make any payments or do anything at the moment so I notified Navy Fcu what was going on and they stated they could not help there was nothing they can do that they would be reporting me late to the credit bureaus. They have been unwilling to help me with anything
On XX/XX/2018, I ordered a baseball bat on XXXX 's website from a 3rd party vendor called " XXXX ''. On XX/XX/2018, I received a XXXX XXXX   XXXX XXXX from XXXX, something the company does not even sell and has absolutely nothing to do with baseball in any way, shape or form. That same day, XX/XX/2018, I contacted both the XXXX Customer Service Department and my XXXX credit card company, XXXX XXXX, to dispute the charge. XXXX provided a prepaid return shipping label to return the item that I did not order, do not want, and that has nothing to do with baseball. I was advised by XXXX, that they would be researching the merchant further and to use the return shipping label to return the item. I did so the very next day and I am waiting for the item to be received at the return address. XXXX XXXX advised me that they would issue a credit to my account immediately and that they too would start an investigation. On XX/XX/2018, I checked my XXXX XXXX, XXXX account to confirm I had received the promised credit. I had not. I immediately sent a follow up email to XXXX XXXX regarding the issue and again requested a credit to my account. Today, XX/XX/2018, I received a response from XXXX XXXX that did not address my email at all but instead provided contact information for XXXX 's Customer Service Department, but still no credit. Not to mention, no acknowledgment of my actual concern. I had already filed a dispute through XXXX and have also returned the item, with the prepaid shipping label that XXXX provided me. Based on several different issues with this 3rd party vendor, both XXXX and myself, believe that they may be a fraudulent merchant, all together. However, in the mean time the amount of {$310.00} is still on my account and may soon start to accrue interest. XXXX XXXX has refused to issue a credit or even acknowledge my concern, twice now. Instead, they have chosen to lie about issuing a credit to my account and to completely ignore the entire purpose of my follow up email.
On XX/XX/2018 I called allied collection services at XXXX and spoke with XXXX XXXX, I asked who they were and what is the debt for. He stated thats its a debt collection agency and was trying to collect a debt. He also stated that it was for XXXX XXXX XXXX. I then stated that Ive never lived at a place called that, then XXXX XXXX asked if I lived at a place called XXXX XXXX I answered no. He asked me to give him to Wednesday to figure it out. I called back on Wednesday. I was told that it was my debt and I asked if I can get verification, they stated that they have my name, number, address, and drivers license number. I stated that that was not Verification and to send a contact to my address. They then hung up the phone on me.
Several items were removed from my credit report after investigations and me paying several debts in full from my credit report as of XXXX 2017. Equifax removed several items because of letters from companies advising that they were to be removed. Equifax also updated all of my credit card payments up to date as of XXXX 2017. On X/XX/17, my credit report was correct and included XXXX collection, XXXX inquiries, & XXXX negative items. The next morning I woke up to XXXX negavtive items, XXXX collections, & XXXX inquiries which is SEVERELY incorrect! Equifax even removed my payment histories for my credit cards that were last updated in XX/XX/XXXX and put the last updates as XX/XX/XXXX. The removed some credit accounts all together. It was as if my credit report fully converted back to XXXX of 2017. I  called and spoke to reps for hours who refused to help as I advised that there was something wrong. They assured me that there was no technical errors or glitches. I advised them that I pay them monthly for a credit service & I review my report everyday. I let them know that my payments on all my cards were showing last updated X/2017 & that now they were showing last updated X/2017 which is definitely incorrect as that date is in the past. I advised that the credit report just the day prior listed all my accounts and they were all now gone & now included stuff that they received letters to erase & that their own investigation had deleted. I proceeded to call several of the companies now showing on my report and they advised the last notifications they sent to equifax was to remove the debts months ago and that they had sent nothing new. This is soley on equifax and is their error, not the companies error as they did their part correctly. Equifax is reporting incorrect information and erasing pertinent info and has now destryed my credit and haulted my home buying process. They refused to escalate or even pull up or accept any report from the day prior as proof of what I was saying.
On or around XXXX XXXX, 2016 XXXX XXXX collection agency representative called my office seeking a consumer on phone number XXXX. 

Debt collection agency representative refused to give name of company and address to write cease and desist letter. 

Representative had wrong number in auto dialer system and continued to probe me as a third party despite the clear request for cease and desist information to be written per the FDPCA and similarly relating to Iowa debt collection law. 

Refusing to provide information is abuse and similarly did not resolve the issue of third party harassment. In relation to the same, the representative-agent refused to provide basic information about the company in order to conceal identities in relation to the nature of her debt collection activities.
I settled a debt with Portfolio Recovery Associates for two Debts that I had with them and one account still shows that I didn't pay it off. Secondly, part of the agreement was the specific individuals for all three credit bureaus were going to contact them to verify settlement and when they tried to call they said they don't talk to third parties even and that I need to contact them with a fax to authorize third party communication. With is not correct becuse I did as part of the agreement was tell them that I do authorize the bureaus to cotact them.
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX requesting that an inquiry by their company was on my XXXX Credit File that I do not recall authorizing requesting their company to please remove the inquiry. XXXX XXXX XXXX XXXX XXXX replied back by mail but did not send me proof on a contract bearing my signature.
I contacted this company when I saw it was on my credit report. The reason I called was because the amount showing owed is twice the amount that was originally owed and left unpaid. I asked to verification of the debt and was given the runaround. Also the debt is showing as recent as last year and this is not accurate either. The original delinquency date for this debt was in XXXX 2013. This company is reporting a date that makes it look like this was as recent as last year which is not correct. I was told someone would call me back with verification information but the only person that called was a collection agent to tell me how much I owed and how did I want to pay. I informed the agent that I was not going to pay anything until a verification of debt was done. He told me that all debts are verified before being handed over to them for collection so he could assure me that the debt was accurate and up to date. I thanked him for his time and ended the call.
I currently have mobile service with XXXX and generally pay my bill through my checking account. On XXXX/XXXX/2017 I attempted to pay my bill using a new checking account open in XXXX was informed by XXXX that my checking account was not approved to pay my bill. XXXX informed me the TeleChecks was responsible for denying the use of my checking account. I contacted Telecheks at XXXX and was informed through the automated system that my checking account was denied because of several returned checks. I knew this was not true because I had never written a check on this account. I spoke with a representative at Telechecks who stated that XXXX XXXX XXXX provided the information regarding my checking account. When I asked when XXXX XXXX XXXX provided this information the rep refused to tell me. He then stated that my social security number and date of birth matched an account that was in a past due status that was in the sister cmpany 's data base know as First Data XXXX. Instead of fixing my problem with my XXXX bill I was then transferred to First Data who then asked me for payment. I asked them who authorized the sharing of my personal information between the companies and they told me that XXXX authorized First Data and Telecheck to use information in their client data to match up with any past due accounts they my have. I told them that I did not authorize XXXX to do this. I called XXXX who denied this and stated they have no relationship with First Data and that Telechecks is only to be used to process payments. I contacted First Data and they stated that my information was sent to the original creditor for collections purposes. I received a notice from XXXX a few days later requesting payment on an old account that is past the the limits of collections. First Data illegally retrieved my information and is using Telechecks to seek out clients information that may be past due. Because of this, when I attempt to use my checking account to pay my bills I get denied because of Telecheck and First Data. First Data stated that they will not remove the hold until I pay them or XXXX.
have been a Chase United Milage plus explorer for a long time, I had no issues till recently, when I found a charge of XXXX $ XXXX in one day dated XX/XX/2016, The XXXX documented as XXXX.TX, I talked to customer service and they first told me they will send me a refund for the total of XXXX $ refund check ; when I did not see the check I called and was told that this charges are fraud and they will open an investigation on it, I kept on calling for follow up and I was told although the charge is reflected on my statement I do not have to pay util they evaluate ; on further contacts with them I was told this was not a fraud but a dispute, and they will look into it, until XX/XX/2016 I received a letter stating that I had authorized those charges, and have to pay for it! 
I am attaching the letter and the charges indicated in it for your information, Sorry about the doodles in it I did not know I will end up sending this to you, those doodles are a small part of my communications with them, I have called Fraud dept several times and dispute department several times, last call was last night with dispute department the agent connected me to the charging merchant XXXX XXXX XXXX after several rerouting we were told that those charges are not originating from XXXX XXXX XXXX. 
I have many issues here : 1 ) When such aberrant charge occurred on XX/XX/2016 x XXXX on the same day why Chase card services did not alert me? 
2 ) If XXXX XXXX XXXX states that the charges were not originated by them why the letter says that I authorized the charges? authorized who? 
3 ) Why customer service, fraud department and dispute section gave me run around transferring me from one dept to another and to XXXX XXXX XXXX? last call took exactly 2 hrs 4 ) When customers pay a yearly fee are n't we suppose to be helped rather than asked to directly talk to the merchant? 
I appreciate if you look into this and ask card services to credit my account on the total amount of XXXX $ XXXX for I have not authorized any such charges. 
Thanks Sincerely XXXX XXXX Scanned Image chase.tiff
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
While I am on vacation I noticed a debit card purchase that I bought through XXXX  I was issued a recurring payment that stated the funds in the amount of {$84.00} that would be withdrawn from on my account that it was a one time purchase. Upon reviewing my bank statement and seeing this was a recurring payment I first contacted Wells Fargo who basically told me there is nothing they could do to help me because it was a 3rd party charge and basically rushed me off the phone and advised the 3rd party to request a a stop hold, which I did. They advised I contact XXXX or Wells Fargo as the only way I could stop a payment is through them. XXXX was almost impossible to get to get in contact with but I managed. Again advised this was an issue with Wells Fargo and it would be an internal review that would take a look at the claim within 48 business hours and that my checking account could be hit again aand again with automatic debtors on my checking/debit card account until the issue was resolved through Wells Fargo. I contacted Wells Fargo back who seemed very combative and did not wish to positively resolve the issue with a seemingly easy result. The representative was almost argumentative in way I had to say and was told there was nothing he could do but put a freeze on the account and possibly stop the funds from being withdrawn again. POSSIBLY, really! I explained my story over the 2nd and 3rd and 4th members of the management team who only had the same useless explanation. They told me there are 0 guarantees that my money would be refunded if debits again and may have to be reviewed again by other department. Totally unacceptable that I would call and waste several hours of my vacation time to fight with a financial institution about the protection and guarnttee of my money that is deposited into a protected financial account. The only names I was able to retrieve were XXXX XXXX, who forced me into listening to a XXXX   disclosure, followed by XXXX, then XXXX who all seemed to back XXXX b/c he was forced into reading me a disclosure b/c he was forced to to cover his supervisors XXXX, which was used against me whenever I had something to say that I was read a disclosure I never agreed to to listen to! What a joke! I hope you can listen to these calls and teach Wells Fargo employees how to act and be truthful to their customers! Bye, bye Wells Fargo! Hope you all can whip theses guys into shape into being a successful bank again!