WillisBack/dataset-financial-user-claim huggingface dataset:
I have e-Correspondence selected to avoid physical mail being sent to the house. Mail continues to come via post. I recently changed my address to my parents address with USAA since they insist I should not be receiving physical mail and I am scheduled to move overseas in 1 month. Physical banking statements are now being sent to my parents address and mail is still being sent to my current address. This lack of control 9f financial documentation adds a great financial risk to my family and I. USAA places the full account numbers in their mail. I have contacted them 2 times via phone. Once to ask why I am getting mail and to change the address. The second was to ask why I am still receiving physical mail and why it is coming to the address I changed. The bank refuses to acknowledge that there is an issue on their mailing side.
I contacted Focus Receivables Management, the collection agency used by XXXX. The amount of the debt was {$630.00} originally. I was able to settle with Focus Receivables Management for {$500.00}. I paid the settlement and was told the collection would be taken off my credit report. It has not only not been taken off my report, but has also not been updated to a paid status.
XXXX / XXXX / 2015  {$78.00} THIS IS NOT MY ACCOUNT I DO NOT UNDERSTAND WHY THIS IS COMING UP ON MY CONSUMER REPORT. THE LAST OF THE DRIVER LICENSES IS NOT MINES AS WELL.
I looked at cars twice from 2 different dealerships. Each time the dealership took it upon themselves to run my credit after I told them THEY ARE NOT TO RUN MY CREDIT, YOU DO NOT HAVE MY PERMISSION TO RUN MY CREDIT, I DO NOT NEED OR WANT YOUR FINANCING. I had already secured financing though my home town bank. They took what information they had and proceeded to " shop around '' using my social security number, name and address from my pre-approvals. THAT IS CALLED THEFT. Plain and simple. When someone says " NO '' no mean NO! So, I obtained my credit report from all 3 bureaus. I found more mistakes and other companies that did not have my permission to run my credit. I disputed all 29 inquires. The credit bureau did not even try to find out if these inquires were fraudulent. I 've went though every avenue to get these removed and off my credit. I got the run around every time. It 's even went as for as the fraud department at Experian telling me, " these are a dealerships and credit card companies! As for dealerships, as soon as you went through the doors, that gave them permission to do what they wanted! '' WHAT?!?! EXCUSE ME!?!?! How can the fraud department employees be so misinformed??? I want the inquiries removed from credit report!?!? My personal information was stolen and used without my permission for financial gain. I want my credit report to reflect the actions of myself and myself only.
The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations.
On XX/XX/2017 I tried an online freeze of my credit ( considering XXXX breach ). Experian said it can not honor my request. Tried twice.
I received an offer from Fifth Third Bank to open a checking account, make a deposit of {$1000.00}, maintain a {$1000.00} balance for 60 days and in a reward bonus, I 'd receive {$200.00}. 

I opened the checking account at the XXXX XXXX XXXX in XXXX, OH on XXXX XXXX, XXXX with a deposit of {$1500.00}. That met the first criteria of meeting the {$1000.00} deposit threshold. 

I have maintained the {$1500.00} average balance from opening date of account ( XXXX XXXX, XXXX ) until today ( XXXX XXXX, XXXX ). This meets the final criteria of maintaining a {$1000.00} balance for 60 days ... .as I 've maintained {$1500.00} for 103 days. 

I opened the account with XXXX XXXX, Vice President, Financial Center XXXX XXXX and she assured me at account opening that she 'd handle my bonus. 

I stopped into the XXXX XXXX XXXX on XXXX XXXX, XXXX to inquire about my bonus and spoke with XXXX XXXX, Personal Banker II and he agreed that I met all requirements and that my bonus should hit within the next week. 

Seeing no bonus, I stopped again into the XXXX XXXX XXXX on XXXX XXXX, XXXX and again spoke with XXXX XXXX. He remembered me, mentioned that only XXXX could actually do the bonus and that she 'd been away on vacation, but he made a note in the system for XXXX to follow-up on XXXX XXXX, XXXX ... her first day back into the office. 

On XXXX XXXX, XXXX, XXXX XXXX sent me an email saying that he spoke with XXXX and that she 'd be reaching out to me soon. 

Fifth Third Bank owes me my {$200.00} reward.
I learned from a recent credit report that AFNI is showing as a collection account and is trying to collect a debt in the amount of {$150.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.
Employment Data Reported XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX  Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source
XXXX is reporting a mortgage with Residential Credit Solutions being delinquent 120 days as of XX/XX/XXXX. This loan was paid off in full in XX/XX/XXXX. RCS was responding to a dispute and sent incorrect info. I 'm in the middle of applying for a new mortgage and this is a big concern.
A debt that has already been waived & credited on a utility bill, has been taken care of as of today- XXXX/XXXX/2016. This issue of what I DO NOT OWE has been put on DEBT COLLECTION thru Virtuoso is still on my credit report- I do n't owe a XXXX- I need this company to take this debt out of collections, this has been resolved as I say it again, has been credited & I need Virtuoso to correct my credit report NOW. XXXX balance is what is NOW.
Hello, I have hard inquires that are reflected on my credit report that I do not recognize. As a result of the numerous unauthorized inquiries, I will be locking my credit report and enabling life lock to protect me moving forward. Please see the following inquires below : XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX/XXXX XX/XX/XXXX - company unresponsive XXXX XXXX XX/XX/XXXX - did not authorize as I am a renter XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX - Inquiry unauthorized - contacted company XXXX/XXXX XXXX XX/XX/XXXX - did not apply for home loan XXXX XXXX XX/XX/XXXX - did not authorize no account linked to my credit XXXX  XXXX XX/XX/XXXX - did not apply for a home loan XXXX XXXX XXXX  XX/XX/XXXX - Did not authorize, did not apply for an installment loan - company very unresponsive XXXX XXXX XX/XX/XXXX - Did not authorize - contacted XXXX explained it's over the 2 year mark please remove. 
XXXX  - Contact information does not reflect on my credit report to dispute with the company, but have attempted to contact them via the internet. 
XXXX XXXX XX/XX/XXXX - did not authorize have reached out to the company failed attempt will contact once more XXXX XXXX   XX/XX/XXXX - did not authorize XXXX XX/XX/XXXX - never heard of the company - did not authorize
I have a credit card with XXXX XXXX XXXX with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX  is the only one that has removed this account from my credit report, Equifax and XXXX have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.
My wife applied for a loan estimate on my behalf at FBC Mortgage , LLC. They demanded additional documentation ( pay stubs, XXXX, tax returns, drivers license, bank statements, college diploma, educational transcripts ). She provided all documentation, and finally 2 weeks later, they sent an unofficial estimate ( " Pre-Application Worksheet '' ) that states : " Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. '' Also, the document had an incorrect purchase price and loan amount, and the property address zip code was about XXXX miles off.
Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with Equifax and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with Equifax, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.
My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender. I have requested documents for a loan modification in an effort to assume the loan and they said that there is not enough time to process my request.
The below company was not authorized to run a XXXX credit check. XXXX & XXXX, PA XXXX ( XXXX ) XXXXMy report also has a " XXXX '' behind My name and I have already asked that be removed.
XXXX XXXX is on my credit report. I never authorized this hard inquiry. They will not help get this matter resolved and I did not submit an application for credit. They told me they would send this to fraud. They transferred me to many departments and did not know how to resolve this matter. XXXX suggested I complete a police report.
To whom it may concern : I have a dispute with Wells Fargo that began on XX/XX/XXXX. 

I have two ( 2 ) Visa cards from Wells Fargo. One is a debit card associated with my personal checking account, the other is a credit card associated with my XXXX XXXX XXXX. 

On XX/XX/XXXX a company called XXXX initiated a charge-back of {$65.00} to my debit card, and charged an equal amount to my XXXX XXXX XXXX credit card. The person at XXXX who initiated the charge-back told me that if I had an urgent need for the funds, that Wells Fargo could expedite the charge-back process. Regrettably, Wells Fargo refused to provide this service. 

My complaint about this issue was escalated to XXXX XXXX at Wells Fargo Customer Care Executive Services. XXXX XXXX stated that she could not accommodate my request. I stated that my need for an expedited charge-back was due to a XXXX XXXX, and that that my request was for a reasonable accommodation under the Americans with Disabilities Act of 1990.  XXXX XXXX stated that Wells Fargo did not have an obligation to accommodate my XXXX. 

I asked XXXX XXXX to provide me with contact information for the regulatory agency that I could file a complaint against Wells Fargo with. It is my understanding that banks are required to provide this information to customers who ask for this information. Regrettably, XXXX XXXX refused to provide me with this information. I stated to XXXX XXXX that she was refusing to comply with Federal law by refusing to provide me with this information. XXXX XXXX replied that she was not refusing to do anything. I replied that XXXX XXXX was indeed engaging in an act of refusal. 

XXXX XXXX finally agreed to escalate this issue to Wells Fargo Case Management, and she stated that this department of Wells Fargo would contact me by telephone on XX/XX/XXXX. I stated to XXXX XXXX that I would not file complaints against Wells Fargo with the government before XXXX  on XX/XX/XXXX, and that Wells Fargo should be sure to get back to me before this time of day. 

At XXXX XXXX  I received a telephone call from XXXX XXXX of Wells Fargos Consumer Case Management Executive Office. XXXX XXXX spoke to me in an abusive tone of voice that escalated in intensity over the course of our unpleasant conversation. XXXX XXXX stated that Wells Fargo did not have an obligation to make accommodations for XXXX people. 

Thank you for any help you can provide with improving upon the unethical business practices of Wells Fargo. 

Best regards, XXXX XXXX
Equifax has my name wrong and accounts that are not mine on my file. My name is listed as XXXX and my name is XXXX Accounts added to my file I 'm unaware of are Online Collection Services # XXXX Rent Recover LLC # XXXX Diversified Consultants # XXXX and account # XXXX
I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX XXXX. 
5. XXXX  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX
I strongly believe rules need to be adopted whereby an invoice, bill or letter to collect a debt should be clearly indicated as such. For instance, if the law mandated that these documents, and only these documents, could be sent in a blue envelope ( thus no more blue envelopes sold in stores ) and that it had to clearly state on the front that it was an attempt to collect a debt, that would eliminate many consumers from inadvertently throwing away bills they were not expecting. 

I 'm writing you primarily because I get several pieces of mail a week that look like bills, yet when I open them they are some sort of solicitation ( sales ) mailing. For instance, today I got something in the mail from my mortgage company that looked like a bill. It said " second and final notice '' and " important information '' ... things that would lead an average consumer to think its a bill. Instead it was a sales mailing to buy mortgage insurance if I lost my job or could n't work. These types of mailings are common and result in people like me throwing away legitimate bills by accident because we get so much junk mail that is styled like a bill. 

Also, you need to do something about the credit rating agencies ( personal rating agencies XXXX. Paying off a mortgage should benefit your score. If an account in collection is paid in full ( perhaps the consumer must make the original vendor whole ), then it should come off your credit report easily. The credit rating system is broken ... I 'm almost XXXX years old, never had I ever not paid something I owed, paid XXXX things late maybe 60 days at worst, and yet my score is barely over XXXX. How is it that mortgage companies have such a different credit score than what the public sites show us? Seems to me like they should be the same. Since credit is our main source to buy things XXXX for most ) and your score only makes your purchases more expensive XXXX APR XXXX, it should hold true that your same concerns about payday loans should be applicable here. Those with lower scores get the worst rates, ultimately paying more which keeps them in financial difficulty. Right now, credit scores do n't accurately reflect a buyer 's ability to pay a debt ... it mainly represents who does n't throw away their mail and is diligent at managing their bills ( regardless of their actual spending / buying power ). What happened to the days where it was simply your debt to income ratio? That makes a lot more sense and you can use a person 's tax returns to figure income.
I spoke to someone at Santander in XX/XX/XXXX about my trouble making payments due to heath issues pertaining to my accident in XXXX. The gentleman to spoke with him XXXX assured me that if I made I payment before the XXXX of the next month that they would not report as late on my credit report. They will not defer my payment because the car was totaled, and I am having trouble making payments.
XXXX XXXX a third party is refusing to remove account this has been proven by XXXX XXXX  to be incorrect i have provided them wirh docaments
The calls keep coming from a place called Warner Location Services, Warner Asset Services, Warner XXXX Services. They are from a XXXX XXXX. The number that he calls from is a XXXX, Tx number XXXX, but gives a call back number of XXXX. When I did a reverse number lookup for the XXXX number that number was registered to a female here in the city of XXXX, Tx. I never answer the calls after finding out the numbers were questionable. They say there has been a complaint filed in their office but never say what the complaint is. Oddly enough the only office listed for any of these companies is in XXXX XXXX XXXX. on XXXX within a span of 10-20 minutes there were a total of XXXX phone callsXXXX on the home phone and XXXX on the cell phone. XXXX XXXX has been told several times to quit calling and he continues to call. XXXX of the reports on this company says they just bought out XXXX XXXX which is a pay day loan place. I have never done business with this place.
I attempted to obtain my credit reports through XXXX, and had absolutely no problems with XXXX, or XXXX. I received a message from Equifax that they were unable to supply my report, and that I would have to request it in writing. 

I completed the supplied form, included a photo copy of my SS card, Texas Drivers license and my voters registration card. Approximately two weeks later, I receive d a letter from Equifax saying that I did not provide adequate proof of Identity. Once again, I provided the same request, and identification documents and a copy of my phone bill showing my current address. It has now been more than thirty days and I have not received an answer or credit report. 

Equifax is always the most difficult company of the three, they simply do not want to deal with consumers. 

I would appreciate your assistance in receiving the report that They are required to provide by law. 

Today, I am making a THIRD request from them. This company should be REQUIRED to supply the annual credit report through the annual credit report process, and not be allowed to stall, hoping that they wont have to turn over the required information. 

Further, I believe that the questions to prove identiity should be reviewed, as they never pertain to my account.
Key Bank acct  XXXX   XXXX   XXXX  on Tuesday  XXXX   XXXX  my account had a positive balance of {$7.00}, then deposited {$57. 00} ( cash  ). on wendsday  XXXX   XXXX , I saw they slipped in an over draft charge, but before and after the charge according to the online register my account was never overdraft. how can I get an over draft charge when my account was positive Friday night, Saturday, sunday and Monday and Tuesday.     I guess they feel they can slip a f ast one by cu stomers, they could not offer me an explanation at all. I feel like the bank has taken advantage of a veteran, over the weekend we should be thanked for our service.
I was charged overdraft fees on my TCF checking account. I had XXXX transactions where from my debit card where I had a positive balance. I charged XXXX, XXXX, XXXX, and XXXX ATM withdrawal from my checking account which I had a positive balance at the end. Then the next day. I made a debit card payment for XXXX which overdraft my account. At the time of the overdraft I had a positive balance of XXXX so that should 've left me with a negative balance of around XXXX. But instead the bank processed the large transaction first which resulted in me getting overdrafts on my previous XXXX transactions. Which came to about XXXX in overdrafts. I talked to someone at the bank and they took away XXXX overdraft fees. But that is n't good enough. They also did the same thing again on XXXX/XXXX/16 for XXXX. I would like to see these fees reversed.
I received a text message from Number XXXX : Your DriveTime pmt discussed is due tomorrow. Pls call XXXX if unable to pay. To opt out, reply STOP. Info provided is part of a collection attempt. 
So I called the number, thinking is a collection payment. They asked my name, XXXX of social and phone number, which I gave. Still my account could not be located, they started asking more questions at this time I became suspicious I asked what type of loan we were talking about and they said car loan or lease, so I said I will call my bank. My bank says my payments are up to date. So these people now have my name my phone number and the last XXXX of my social. Please keep me posted on this case.
In XX/XX/XXXX, I made payment arrangements with Client Services regarding XXXX XXXX XXXX, XXXX. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having XXXX XXXX XXXX XXXX/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : XXXXXXXX XXXX XXXX, took payment to close this account on XX/XX/XXXX.
The names of XXXX XXXX XXXX or anything XXXX  related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/XXXX ( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off report.