WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I went on to the XXXX and ordered all three credit reports from XXXX, Trans Union, and XXXX. <P/>I only received one from Trans Union, which was dated as XX/XX/XXXX, and file number : XXXX, which contains all the same information with different collectors name on it. This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this Trans Union slandering my reputation with non-existing accounts they created. Trans Union is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by Trans Union for each alleged creditor {$1000.00} which is XXXX times XXXX equal to XXXX by XX/XX/XXXX, and Trans Union is agreeing to pay me {$500000.00} by XX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX. <P/>Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan. <P/>For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX before XX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX. <P/>For the XXXX, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report by XX/XX/XXXX, if not, XXXX is agreeing to pay me {$50000.00} dollar by the end of XX/XX/XXXX.
Hello, Regarding our attempts to modify our mortgage with Greentree/Ditech over the past, almost 2 years. 

*in late XXXX, we began working towards a modification *after almost a year, full of lost papers and constant resending of documents, we were approved for a trial modification in XXXX XXXX *we made trial payments, per their instructions, in XXXX, XXXX, and XXXX of XXXX XXXX XXXX, there was no communication. 
*after repeated calls from us, we made a payments in XXXX and XXXX. 
*rec 'd a letter in XXXX stating we no longer would be able to modify due to not returning documents? 
*attempted to contact the rep on the letter referenced above, but no answer and no return call after leaving numerous messages *last message I left stated I would not continue payments until we could figure out what was going on. 
*continued to reach out in XXXX - no replies *drafted a letter to Ditech in XXXX XXXX responded in XXXX, stating they would review my inquiry, and get back to us in 30 days *In XXXX, another letter was sent by Ditech, basically saying our situation was still being reviewed *In XXXX, we rec 'd a letter from and attorney stating he was authorized to begin foreclosure proceedings *sent a letter on XXXX XXXX in response ( as requested on the attorneys notice ) with copies of the correspondences with Ditech *No response *Homeowners policy renewal payment of {$370.00} sent by me on XXXX - check was returned to us *Called my ns agent who stated policy was paid in full by the lender - we have always paid ourselves? 

So, it is now XXXX, and I 'm fearful that these people never had any real interest in working with us, and foreclosure is imminent. 
My wife and I worked diligently to save our home, but it just does not seem to matter.
I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. XXXX  XXXX, XXXX XXXX XXXX.
On XXXX I purchased an XXXX XXXX XXXX XXXX XXXX for {$7000.00} with XXXX miles. On XX/XX/XXXX my wife noticed a power loss in the vehicles driving so she came home and then the vehicle was dead ... I then went online and checked for a XXXX for this vehicle and found that 30 Days before in XXXX of 2018 this vehicle was sold at Auction with XXXX miles. I called the Dealer and they acused me of Buyers Remorse and would not listen to my Complaint about the XXXX and the mileage. 
I Paid this purchase with my Debit Card from Bank of America. So I called the Number on the card, told them what happened and they recommended me to go to our local branch and submit the Buyers Order and XXXX to the Fraud Department via Fax from the bank. We did and that was on XX/XX/XXXX ... By XX/XX/XXXX the Bank did a temporary credit of {$7000.00} the Full Purchase Amount and we were told this would take about 60 days to finalize. As of XXXX The Credit was reversed and the wheels are turning to Award the Dealer with the Full Payment. Yesterday, XXXX XXXX I was on the phone with the Fraud Dept. AGAIN. Telling my story AGAIN and they said the case was being Escalated AGAIN but No one seems to be looking at my Paperwork which proves that I have been Defrauded of {$7000.00} ... The Bank Claims Publicly that they are on our side, Against Fraud, and will Stop at no means to bring the criminals to justice but they fail the look at my Paperwork ... ..WHY??? Bank of America Claim # XXXX
I leased my car with XXXX XXXX.  I gave them a 
check for $XXXX for down payment of a new car.  I was called in their
office and they changed the terms on me.  In addition, I found out from
KIA FINANACE that I was over billed for $XXXX.  I put a stop payment
on the check immediately. I went back and forth
with the dealership to try to resolve this matter.  I got the run around.  It 
took several months after calling their corporate office and complaining 
to KIA headquarters.  I have paid this debt and they have reported to the 
credit report agencies.  It was their lack of integrity and unwillingness to
resolve this issue in a timely manner after also jacking up my 
monthly payment by having me re-sign new papers.
Bank of America is holding me liable for a credit card debt from XXXX or XXXX. I have contacted this company and provided several documents to show that I never received a card to my residence which I have been residing almost 20 years nor did I apply, had no knowledge. I had never seen the application until filing a complaint. I have proven that a card was n't sent to my address. I have provided my signature as it does not match the one on their application. I stated about having a fraud alert on my credit report and indicated they did not contact me before granting credit. They claim they did @ at a number that I have never had. Then they claim something in reference to a XXXX account. I have attached the letter from XXXX financial indicating that the account did not belong to me. I sent this information to XXXX XXXX XXXX via email and called but did not receive a response. I should not have to turn to legal representation but I refuse to be liable for a debt in which I am not responsible for. I called and gave this company, Bank of America my address in which they never had. Bank America also submitted this debt to IRS as a charge off and they are charging me for a debt in which I never had any affiliation with. They also indicated about payments, I never paid this company nor authorizrd any payments.I have no reason to continuously go through this back and forth if I were n't being honest. I will suggest to Bank of America 's corporate office, they should obtain the party that is applying identification so they will have this on file as a more positive id of who is applying. This situation is stressful and ridiculous.
Equifax '' response to XXXX " Equifax has reviewed your complaint and its records regarding your dispute. XXXX account XXXX has been verified correct as reported by the data furnisher. The open date is XXXX/XXXX/2015, the closed date is XX/XX/2015 and the months reviewed is XXXX. No payment history was recorded by the data furnisher for XX/XX/XXXX through XX/XX/2015. Please be advised that scores are derived from a mathematical formula which calculates elements on the credit file. Information is reported to Equifax continually, thus the file content may change as well as the score. Please also be advised that creditors have their own criteria for granting or denying a service or benefit based upon the score. Please contact your Creditor 's directly in regards to their evaluation of your credit score. 

The XXXX- Closed Tradeline, was reporting the pay history accurately, despite your response. Please see attached, my credit report from EQ - XX/XX/2015. 
EQ actually stored pay history, please see Pay Pal attachment, which was attached to the original complaint XXXX EQ updated this account and caused issues - with the Pay History. 

THE ACTIVITY DESIGNATION - says NA, and should not. This account is PAID/CLOSED. 
Because this account is showing in this manner - the PAY HISTORY is erroneously populated with NR, when XXXX has n't reported on this record in more than a year. 

The account, is now Incomplete - and inaccurate. 

Please put the account history back to the state of which the furnisher provided it to you, PAID? CLOSED its status - or DELETE the account..
I am not aware of ever signing for this loan. At the time of accepting the repayment terms with Conserve, I mistaken them for a different loan I took. In my graduate year I was paying mostly in cash because I wasn't qualified for other federal loans. I have made several attempts to speak to someone from Conserve, but to no avail. I have emailed them with my frustration and demanded answers, but no one emailed me back and no one called me back. 

Conserve has been deducting {$140.00} from my account every month since XX/XX/2013. I checked my balance last year and it was less than {$1000.00}. This amount should have been paid in full by now. I went into the website to check again but there was no information about my account or balance ( Which should be XXXX   by now ).
Please see my previous complaint regarding Santander reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from XXXX that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.
My name is XXXX XXXX. I opened a checking account with your bank at the beginning of XX/XX/XXXX of this year. I opened the account using the promo code XXXX XXXX, which advises that I would receive a {$400.00} dollar bonus once I have received two direct deposits of {$250.00} or more within 60 days of opening my account. After setting up the account, I called to confirm my account status and spoke with a representative who verified my information and assured me that my debit card will arrive via mail. I received my debit card and I received two deposits within the 60 day time frame. On XXXX XXXX, 2017, after my second deposit posted I called once again to confirm the status of my account and spoke with a representative named XXXX. Im employed in the legal field so I was sure to notate who I was corresponding with in regards to the matter. XXXX stated verbatim that he saw where my promo code was entered in the system and assured me that my bonus would post within the upcoming week and if I didnt see any activity to call back for assistance. After being informed by two of my colleagues that their bonuses had posted to their account, I called back on XXXX XXXX, 2017 and spoke with another representative named XXXX. XXXX stated that the promo had expired and he could not be of assistance to me. I then asked to speak with a supervisor regarding the matter. For security purposes, my information was verified and I was connected with a supervisor named XXXX. I explained the matter to XXXX who informed me that the offer had expired and was not valid in my area. I explained to XXXX that two of my colleagues had received their bonuses along with thousands of other residents who were not in the targeted area. He had no rebuttal for that information and stated he couldnt explain the reasoning behind them receiving their bonuses. XXXX then asked me to confirm the eligibility requirements that I received by email prior to opening up the account and confirmed my information to be truthful. He then asked if I could be placed on hold to look further into the account to see what could be done to assist me. After reconnecting with me on the call he stated he could offer me a {$100.00} credit for the inconvenience. I explained to him that I appreciated his customer service, but I was not satisfied with the outcome. I also stated that I took the correct steps to open the account in a legit manner and should have receive the bonus as well. He agreed. I explained to him coming from a legal background that it is not good business to mislead consumers and I was very unsatisfied as a new account holder. I took all the proper steps and should be compensated correctly for signing on with this bank. I also referred a family member. I believe this matter is highly unfair as a business and Im requesting to be compensated for the {$300.00} remainder of the promotional bonus.
I worked with a member of his team twice ( XXXX XXXX ) who reached out to me after failing the first try. XXXX was explained that if he wasnt definite about closing on a home that my wife and I were n't interested in moving forward and going through the hassle.After XXXX mentioned that the first time was a mistake and corrections were made, we agreed to give him a chance to correct the problem.After time wasted, money wasted on appraisel and 2 inspections and etc. We find it to be quite obvious that this guy is a rookie, unprofessional and will need additional training. After contacting XXXX to inform him of the horrible experience he insisted on defending his team member instead of handling the concern. We will be taking legal actions due to the circumstances. ROOST LENDING, INC. Miscalculating loan amount also had us at a high rate..
A company named Procollect contacted me about an electric bill to XXXX XXXX back in 2009. Not only was I not living in the state in 2009, I contacted XXXX XXXX and they have no record of me doing business with them in their system. This sounds like a fradulent debt to me. The debt even was placed on my credit report. I disputed the charges and the credit company promptly removed the charges from my credit report.
I contacted Bloomingdale 's by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.
This letter is to inform you that Equifax credit bureau has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>*XXXX XXXX/XXXX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
I sent a debt validation to the collection company ( Midland Funding ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company added interest on the account {$280.00}. The original balance of the charge off was {$750.00} and the company is stating that I owe {$1000.00}. I called the company ( MIdland Funding ) and asked why is there interested added to the account after the charge-off and asked for a signed agreement from the original debt collector. I was told that the interested was add in XXXX with no reason to why it was added and that they had no signed agreement even stating that the account belongs to me. There is no proof of the company being able to add interest or even if the account belongs to me.
I reached out to Goldsmith Law Office. I talked to XXXX. She states would send out in writing in detail by U.S. mail, the Student loan debt I owe, that was on Friday XX/XX/2017 between XXXX and XXXX CST. She said that she would send documentation and I told her once I receive this I will make arrangements to set up a payment plan. I called back Monday XX/XX/2017 at XXXX XXXX CST, to see if documentation of my loan and amount that I owe can be sent to me in writing and she was acting like I never spoke with her. So I am taking this measure to get paperwork in writing sent to me. Last XXXX numbers of my case is XXXX. 

The Establishment name and address is Goldsmith & Hull Law Office- Attention XXXX XXXX, CA XXXX Office # ( XXXX ) XXXX XXXX Direct Line ( XXXX ) XXXX
XXXX XXXX is updating an account on my credit profile every month on an amount that is not owed to them. They are saying that I have a balance of $ 7000+ when I do not owe this company anything. I never received a notice of deficiency from the sale of a car that was repossessed. No notices was sent to me regarding this information. I have request proof of these notices and this company will not comply. This balance should not be reported to the credit bureaus. They also go into the account and report it every month to the credit bureaus so that it appears as a new account. They have very unfair practices.
I applied for an installment/registration loan with Cash Time via there on-line application. The website stated everything could be handled online. Shortly after I submitted my application to Cash Time I received a call from the branch located at XXXX XXXX XXXX XXXX. XXXX, AZ. XXXX. The caller stated that they would be able to help me all I needed to do was visit the branch and bring, bank statements and pay stubs. I advised her that I had granted permission for them to view my bank statements and that my pay check was posted to my bank account. She still insisted I visit the branch even though the web site states everything can be done online and the funds can be deposited in your bank account by the next business day. I visited the branch and found out that everything I had been told was a total lie. I wasn't approved for the {$1500.00} I applied for they offered me {$200.00} and rationalized the decision by stating that I didn't have auto deposit for my pay check. If this is in fact a registration loan using my car as collateral then the {$1500.00} should not have been a problem because XXXX value is over {$5000.00}. This company is guilty of deceptive lending practices.
I have been scammed out of my money and my bank is doing nothing to help me. I did allow this stranger access to my mobile banking, but he some how got into my bank account online. I told my bank this and they seem to find no error has occured three times.
Got a notification from Credit Bureaus that a New Collection was added to my Credit Report by the Name : IC Systems Inc XXXX XXXX MN These people claim I owe {$200.00} I have spoken to them in the past about this debt and told them this is not my debt. They claimed I created this debt but I deny these allegations because I have never heard of the company that sent the Debt over to them. This debt was not created by me, I feel this company is out to damage my credit report and my reputation
I have been trying to get this student loan off of my credit it has been handled by multiple debt collectors XXXX / XXXX XXXX lastly loan servicer is ECMC upon asking the company multiple times. After many misleading phone calls these people would tell me that the loan is for my current school. I called my loan servicer which was XXXX   and ask them if I missed any payments and they said to be careful because there was scams out there so I assumed that this was a scam. The school that I am attending which I'm current on in payments is located in XXXX Ohio. Upon me threatening to call the Attorney General because I thought this was a scam they told me it was for a school called XXXX I have never attended the school XXXX in XXXX Florida. Not only have I submitted police reports I've submitted dispute letters I've submitted even my high school diploma proving that I did not go to the school and that this loan was made before I was a high-school graduate I did not give permission for this loan. I have also informed all credit bureaus and they're saying that they leave it up to the company that's debt collecting to investigate themselves and that's how they determine whether they remove the dead or not and I am not satisfied with that I have said over and over again that I am a victim of identity theft I have the paperwork to prove it
This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  had the right to demand that each credit bureau disclosed to me all of the documents that they should have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I have asked them several time to please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in their files that were used to verify them. If they did not have any documentation in their files to verify the accuracy of these disputed accounts listed below for each of the credit reporting bureaus then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

As a consumer under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they were unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of this compliant then they must remove these accounts from my credit report. 

I requested each credit bureau to please provide me with a copy of an updated and corrected credit report showing these items removed, I demanded the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : Please also remove all non-account holding inquiries over 30 days
I filed for dispute of a collection placed against me from XXXX for XXXX for a debt that was setteled at time of account closure due to damages caused to my home and theft during an alarm install. My thermostat was taken with them when they installed thier system and the drilled holes through my shutters to mount a camera without my authorization. XXXX agreed to cancel my contract as well as close my account with zero balance due to the above situation. The dispute cleared from the previous debt collection agency and was taken off my report. Now a few months later a new company called stellar recovery inc . It is to my understanding that once removed a new company can not refile and place back on your credit report. I have now redisputed as it caused my credit score to drop almost XXXX points. XXXX has already deleted XXXX is pending and has not shown back up on XXXX. I am seeking help to stop this from reoccuring as it has damaged my credit severely and as I have read an illegal act on stellar recoverys part to reissue to creditors as negative information on my report