WillisBack/dataset-financial-user-claim huggingface dataset:
REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my credit Score The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15 H RS A WEEK every Week trying to resolve this
XX/XX/2014, my husband and I submitted a letter to Debt Recovery Solutions , LLC to provide proof of a debt they were trying to collect on from XXXX. In XXXX, my husband called XXXX and they stated they had to record of such debt. 

We received a letter dated XX/XX/XXXX that our debt was held by XXXX ( same information, no proof that we owed the debt ). I called XX/XX/XXXX and spoke to XXXX about the debt. He said XXXX XXXX would call me back that night. She did n't. 

I called again on XX/XX/XXXX to follow up since I had n't heard anything. Spoke to XXXX. He said that XXXX XXXX was on vacation. I asked if she were on vacation for the past XXXX days. He just stated she 's on XXXX. He tried pulling up the account. He initially said that he could n't pull up the account with the account number I gave him and wanted my social security number. I refused to give it. He tried the account number, brought it up and looked at the account. I explained that I want, not verification of this debt, but PROOF we owed the debt. He simply verified that we lived in the house and that we had this phone service. I explained that when my husband called in XXXX, XXXX told him they could not find any record of such a debt and we 're looking for proof. If they can prove the debt, we 'll pay it, but otherwise we do n't feel it 's a valid debt. 

In the course of this interaction and asking for proof, XXXX told me that the burden of proof is on me, that they do n't have to prove I owe the money. I explained that from my research, it seems they need to be able to prove I owe the debt. He said that he would have a manager call me back in XXXX hours, but I pointed out that I 've already waited XXXX days for a return call. I have asked that they provide a letter from XXXX stating that we owe this debt, not just to verify the debt. 

XXXX eventually said, he was n't going to talk about it any more and said he was going to cut off the call, which he did.
After reviewing my credit report I have discovered an inaccurate listing included on my file that I never knew about and did not sign any contract for. This company which I hold no contract with nor have received serviced from, reported a amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. This has been on my credit report since XXXX and I have not been contacted to resolve this debt. I do not and should not have a signed contract with ERC or XXXX. I have never done business with either company. I am not reliable for collection from this debt from ERC or XXXX. After reviewing my report I sent debt validation letters to ERC requesting the original signed contract stating that I have or had an account with XXXX. This communication was sent XX/XX/XXXX. The FCRA requires you to verify the validity within 30 days. I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof. that I actually signed proving this account to belong to me. These disputes were sent to the credit bureaus on XX/XX/XXXX and ERC has failed to provide the necessary information and have only reported to the credit bureaus that my account was being reinvestigated. Validation that I actually signed a contract has yet to be received. As the accounts are under reinvestigation over the past two years it has affected me from getting credit to build my credit. If the validity can not be verified, they are obligated to remove this collection. I have never signed a contract with ERC or XXXX.
Eos is sending me bogus bill, stating I owe XXXX. This was charged off in XX/XX/2004, because I won a case against them. I have the court paperwork and had to pay taxes on it. They are very rude, and will not stop.
I have started going through a hardship since me divorce was finalized in 2014. My ex husband stopped paying half of the bills like we were both accustomed to doing. I lost my XXXX after Making Healthcare Affordable Act was passed because those employers needed to make sure everyone had coverage or they had to pay a fine. After the last unemployment term for 2 weeks, I found a job working at a XXXX XXXX making {$XXXX}. This salary barely covered filling my car 's gas tank weekly. I was able to pay certain bills but not all of them. After working there for 4 months, I found another job making more money. I started getting caught up on the bills and 3 weeks later, the job ended. I found myself unemployed for two more weeks. I did finally found a job making more money and now i am trying to get back on track. I had did a Loss Mitigation package three times and every time I leave voicemail messages for the XXXX contact people I have, no one never returns my calls. I need an answer because I want a resolution that will be fair to me.
There is an account reporting on my XXXX  and Experian that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
I had a lease with a company that we were renting from. We had an agreement that we would break the lease early but get someone to sublease the property for us. We cleaned thoroughly and the other tenants moved in. They took over everything and even started their own lease. After a year i notice that there is an XXXX collection on my credit report from this company but yet they won't give me a breakdown of what its even for? I have tried to dispute the account with the credit bureaus but have not been successful. Please help
Chase Bank ( XXXX XXXX ) received my retirement funds - a wire transfer from a 401 retirement account and placed them in a Chase retirement account at .75 % interest. Chase Bank then reduced my interest on these retirement funds to .05 %. Furthermore they charged me {$30.00} a year as a " Maintenance Fee ''. Over the five years that I had this account - I now have less money than I started with in my retirement account. The Chase Bank in XXXX XXXX ( XXXX XXXX ) told me that I had to inquire to their " Retirement Plan Division '' located in Florida. After repeated attempts and speaking with XXXX XXXX and others many times - I was told that Chase had the right to charge anything they wanted to. I asked XXXX XXXX to produce the document that I had signed that allowed the bank to take funds out of my retirement fund - XXXX XXXX refused to produce any signed documents. 
The " Retirement Plan Division '' located in Florida decreased my interest rate on me retirement fund CD from .75 % to .05 % in XXXX years. With the fees and the almost nonexistent interest rate, I will have less money in the account than I started with. I talked to numerous individuals with Chase Bank ( " Retirement Division '' ) and was told that they could do anything they wanted to and it was my fault for letting them do it. 
I have no doubt that the " Retirement Plan Division '' of Chase Bank is bilking many other retirees out of their money.
I have disputed numerous accounts on my credit file that have not been mine or I have no knowledge of but each time the credit reporting agency comes back and states that it is my debt without providing proof that is indeed mined. The accounts are XXXX, XXXX XXXX ( which was deleted from XXXX ), and XXXX
Shows a late payment for the month of XX/XX/2017 when card has not even been activated.
They called my cell phone, told.me it was recorded and placed me on hold. I hung up. I called them back. They asked me to verify myself and needed my last  4 o f social. I asked what it was concerning and he told me once I verified who I was they would tell me. Said by Federal law had to have  two for ms of verification. I told him to send it to me in writing that was Federal as well, and until then to   XXXX    XXXX   XXXX . I then hung up and called back again. A female not speaking fluent English. Asked for phone number. Gave it to her. Asked if I was   XXXX   XXXX  . I said yes ... that to me i s two forms o f ID. Then asked for last  XXXX  of social. I again refused and asked who she was with. Could not tell me without verification. She then asked for middle initial. I told her "  XXXX  ''. She then said that did n't match and needed me to verify address. I told her she now had three forms of ID. Still refused to tell me who she was with or representing. I then hung up again. Has been added to my reject call list.
I have been attempting to clear up old and erroneous information reported by Sallie Mae to the XXXX major credit bureaus for years, with the latest push starting in 2012. Many of the items were at least 10 years old, and some were over 20. 

Sallie Mae resisted investigating my complaints, citing a " frivolous complaint '' exception under the FCRA. In fact, I had provided explicit details on each negative item, and why they should be removed. Each time I sent an inquiry letter, Sallie Mae summarily dismissed it and refused to investigate. I believe this happened at least 20 times and is still unresolved.
I married my wife and took all the proper documents down to XXXX agency in XXXX, WI they are still trying to enforce I owe for our children each month, and then put it on my credit report, as if I do n't take care of mine!
About XXXX ago i had received and credit card application in the mail from XXXX XXXX for a promotional card that gives prime for life as an interest % a few years later the bank was bought by Chase Bank so i called Chase Bank and was going to close the account but was advised by Chase that they would honor the prime for life card, that was about XXXX years ago.Now i find a charge for {$98.00} bank fee. so i called them and was told that my chase freedom card now has that fee because of my prime for life. if you check their website will will see that the Freedom card has no annual fee. So it seems they targeted me because of my low interest rate they they gave me. Also how can they charge an fee for a card that they advertize with no fee. sounds like discrimination to me.
Bank of America is XXXX XXXX posting payments to my account. The payments are made via online banking via transfers - from a checking or savings account - to my credit card ... and any such payment, no matter the size ( nearly always under {$XXXX} ) takes multiple business days to process. 

In the XXXX century, that would have been reasonable. This is the XXXX.
Received an alert from Equifax on XXXX-17 that XXXX was removed and then reinserted at the same time dropping my credit score XXXX points.I have been disputing this account for months. I have no contract with this company.
I went to LoanMax in XXXX Va. I was in great need because I was facing eviction. When I arrived I went to the wrong title loan company because there are two title loans on XXXX XXXX in XXXX. I walked in the first title loan place the gentleman took me through the application process and then he asked me for my title. When I gave him my XXXX title he said " Sorry Maam we dont take XXXX titles ''? So I walked across the street to LoanMAX. I gave my title to the employee and she told me the same thing that they couldnt take XXXX titles. As I was walking away in frustration I stated noone told me this over the phone. The employee begin to explain that it wasnt her that I spoke too. She then said if I could provide her a XXXX address she could give me a loan. I gave her an address in XXXX and then she asked how much I made a month. I told her my monthly income. She said let me call my supervisor. She told the supervisor that i had a XXXX title but the car was housed in XXXX. The supervisor gave her the ok. So she approved me for {$1400.00}. I agreed to pay {$320.00} a month. I making the monthly payments and thinking that paying monthly would lower my balance. But I was totally unaware of the interest and how it worked. So it seemed as though my balance was never going down. My car is a XXXX XXXX XXXX XXXX. It wasnt worth the payments. But I continued to pay monrhly and questioned the interest. They just kept telling me it was explained to me when I took out the loan. I told her i couldnt afford to pay a loan that never ended. I paid them a total of {$1300.00}. Then I started doing my research and found out that it was true that they couldnt do loans with XXXX titles and that XXXX had stipulations but they would honor XXXX titles ..but not XXXX!! When I questioned them about how was I able to recieve a loan if I have a XXXX title ... I was told that they couldnt control the address that people provided. I even had people call to ask if they had a XXXX title and lived in XXXX could they recieve a loan? There answer everytime was no! I told them that I couldnt continue to pay this high interest loan. So within 3 months of non payment they came and repossed my XXXX but they hired a XXXX party company to say they repossed my XXXX. When I called to get my belongings out of the XXXX they told me they never took my XXXX. I went to the police and the police clerk provided me the information that they did have my XXXX repossed.
I have an account that was opened fraudulantly. I have been disputing this several times and it has finally been proven that the macys account that was opened in my name was due to identity theft. However XXXX and equifax will not remove it from my report. I keep calling on this and keep being told it is under investigation. I spend hours and days on this calling XXXX and equifax and just keep being told it 's under investigation. I explained to both of them that transunion has finally removed it but was told these credit reporting agency 's do not work together. That makes no sense to me because I just received a letter from experian informing me that I have been a victim of identity theft and they were notified from the other credit beaurous and they are putting a 7 year fraud victim alert on my report. My question is if I am being told they do not communicate then why did I receive this letter?
A deposit was made by me, XXXX XXXX XXXX per a friends request as i, XXXX was told it was her payroll check. Later to be informed the check was stolen. The female was reported and incident to XXXX XXXX Police Department and TD Bank Financial Institution. In XXXX, SC.
XXXX has an Inquiry on my Credit Report from XX/XX/2015 (last month).  XXXX sent me the paperwork that it sent that paperwork to Equifax to remove the Fraudulent Inquiry (XXXX inquiry on my Equifax Report).  XXXX told me that the Ball is in Equifax's court now.

Also I am a Victim of identity theft.  XXXX identity theft solutions has been assisting me through the process.  They contacted XXXX to put an EXTENDED 7 year FRAUD ALERT on my file.  XXXX sent me the documentation that I have an EXTENDED FRAUD ALERT on my XXXX fileXXXX sent me the same paper work as well.  However, it has been XXXX full days (at the end of today XX/XX/2015) and I have yet to get any paperwork from Equifax about putting an Extended Fraud Alert on my Credit file.  XXXX and XXXX sent me the paperwork on XX/XX/XXXX and XXXX.  Equifax has yet to send me any paperwork about putting an EXTENDED FRAUD ALERT on my file with them.

Also these Credit Agencies do not seem to want to really help you.  I say this because I called XXXX today because I had a few questions about my identity theft, and when the 7 year alert expires I will need another 7 year Fraud Alert on my Credit, since I have ID THEFT, and I had to wait literally 20 minutes to talk to someone in their Fraud Department.  I mean when I call my cable company I have to wait a minute or XXXX.... not 20 minutes, like I had to wait today when I called XXXX.  It is quite frustrating!!
i send 5 letters to Equifax, disputing wrong information, those are : inquires being reported that were not done by me, wrong names, wrong address that i never lived on, they have refused to do anything about, they simply send a letter saying the are factual records, which they are not, 5 letters have send they refused they causing damaged to my credit, this company needs to be fined and shut down, I was the victim of Identity Fraud 2 years ago..since then i been trying to delete errors from my credit and Equifax is the worse, there is no proof on any of these inquires, since they were not done by me..still they refused to delete them..they don't verify as well don't care about the consumer and are causing damaged to people credit, hurting the availability of getting or credit or low rates. 

Wrong name XXXX, twice i never inquire or ask for a lease XXXX card i never apply for it
I had a charge on my XXXX XXXX card from a vendor I was unaware of. I may have approved charges in the past but I did not approve the vendor to post the charge in question on this card. 

All of my Barclay cards were set to auto pay except this card which was rarely used. A subsequent late fee, interest charge was placed on the account. I called and spoke to a rep who understood the situation as I was overseas at the time this happened. The rep from Barclay told me the following would be done : late fee removed, interest removed and any notation on my credit report that I was late or delinquent with any payments. The rep advised me that this would be cleared by early XXXX My credit report still shows the delinquent late payment. I called on XXXX and spoke to operator LASTME ( Escalation agent ) who was not cooperative. He stated that he would not remove the late fee notation on my account.
I have been unable to access my CoinBase account. I am not receiving their " Device Verification ''  e-mails for whatever reason. 

The account had {$300.00} in it at the time, in Ethereum ( XXXX ETH ). Currently, as of XX/XX/XXXX, it is worth around {$700.00}. 

All below dates are in XX/XX/XXXX unless otherwise marked.. 

On XX/XX/XXXX, I created a ticket through their automated system. Receiving no response, I called them on XX/XX/XXXX and was automatically dropped due to high call volume. I called again on the XXXX, XXXX, XXXX, and XXXX. In XXXX, I called on the XXXX, XXXX, XXXX. Finally, on XX/XX/XXXX, I got through to someone. 

They looked up my account, and stated that they could transfer to a new account. I had already created a new account and requested this through e-mail, but having acknowledgement that this would work was good. I received no further correspondence on this until I called again on XX/XX/XXXX. I was told that I had to wait an unspecified amount of time for a specialist to handle it. 

I have e-mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX asking for updates on it, receiving nothing back.

I called again on XX/XX/XXXX, and was told to keep waiting. Waiting on this for such a long time, I believe it is unreasonable, especially given the lack of communication.
I am a borrower with subsidized and unsubsidized federal student loans. I use the platform Nelnet with the auto debit service they offer called XXXX. They make the auto debit service attractive by offering 0.25 % deduction interest if you sign up. Little do they tell you that they pay off the lower interest loans before the higher interest loans. So, in reality, it costs more for the borrower to use the auto debt service, and they put the interest of making money before their borrowers. This is very disappointing for a federal loan program. I would expect more from our government.
For over a year, Synchrony Bank has been issuing unsecured credit in my name. After countless letters and documents, the Bank continues to provide credit inquiries and harass me regarding its inappropriate and questionable behaviors. In XXXX XXXX the Bank opened a fraudulent XXXX account. After working through the tedious process the Bank sent me a vindication letter dated XXXX/XXXX/XXXX that stated, " Our investigation of the account has been completed, and the claim has been resolved in your favor. '' I trust that American public had to eat the charges as I am sure the Bank took the loss as a tax deduction. On XXXX XXXX, XXXX, I received a collection call regarding this account ; whereby, a collection representative attempted to make me pay for a {$660.00} jewelry item purchased at XXXX 's during XXXX XXXX. Synchrony Bank is a ruthless. As an identity fraud victim every other bank has acted in an understanding way.
I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of XXXX XXXX and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.
XXXX XXXX is trying to illegally receive payments from me for monthly service that ceased on or about XXXX XXXX, on which date I was at least fully paid and may have been owed a refund. XXXX reps admitted XXXX XXXX I do NOT have the account or bill on which XXXX continues TO THIS DAY to try to collect a full fee monthly. I have audio recordings from my conversations with two different XXXX reps ordering cease-and-desist XXXX XXXX, after which XXXX sent two months ' worth of false " debt '' to a third-party debt collector, Convergent Outsourcing, which is threatening to ruin my outstanding credit history.