WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted XXXX XXXX, XXXX, Experian, & XXXX each with separate letters describing all the information that is incorrect on each of my 3 individual credit reports. 

I sent the first set of letters over 70 days ago, to each of the bureaus, with no response. 

I sent a second set of letters over 31 days ago, again with no response. 

Showing in detail the Inquiries that are fraudulent, the accounts that do n't belong to me and addresses, phone # 's, and Names that are not mine. 

I also sent copies of my SS # My AZ state ID, and a current household bill showing my Address. 

Despite each of the Credit reporting agencies placing a " Fraud Alert '' on my account, without me asking. They have not removed all the incorrect information, and they have not provided and signatures showing I have an account or a contract with the Companies in question.

I feel this is a serious abuse of my legal rights and I am hoping to find some resolve with this complaint here and now. The following are all the misreported information on my 3 Credit Reports. 

The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by EXPERIAN ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Inquires Alleged by XXXX ; XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Names Alleged by XXXX ; XXXX XXXX XXXX The following are miss-reported and or 100 % inaccurate Phone # s Alleged by XXXX ; ( XXXX ) XXXX, ( XXXX ) XXXX The following are miss-reported and or 100 % inaccurate Addresses Alleged by XXXX ; XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX The following are miss-reported and or 100 % inaccurate Accounts Alleged by XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX The following are miss-reported and or 100 % inaccurate Court Records Alleged by XXXX ; Arizona Federal court-XXXX Bankruptcy XX/XX/XXXX
A collection account from XXXX XXXX XXXX in the amount of {$62.00} was recently deleted/removed from my Equifax credit report, but has been currently reinserted by Equifax. I believe this to be retaliation for my contacting CFPB with a previous complaint regarding my credit score. An Equifax representative told me that this collection account was from a new collection agency. However, I explained to the representative that this was the same collection agency as before, not a new collection agency who sold it to another collection agency to be reinserted. At this point, I requested that the collection account be removed/deleted as before, but was told by the rep she could not have it removed. This collection account was initially removed/deleted on XXXX XXXX, 2016. It is now beyond the statutory 30 days for removal. A supervisor at XXXX told me that this account was removed from XXXX my XXXX and Equifax credit reports, for which they reported in XXXX 2016. I do n't recall the collection supervisor name at this point. 
In closing, I want the collection account deleted, and my credit score be adjusted to positively and numerically reflect the removal/deletion. 

Respectfully submitted,
Equifax keeps denying my dispute for a few accounts when it was opened using my identity. I even provided the police report and the e-mail from XXXX XXXX XXXX! It is so frustrating. 

I am submitting a dispute for the following accounts that have been once removed and someone back on my credit report again. These were from my identity theft. 

Please remove : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accounts listed )
My husband and I are longtime customers of Chase. We applied online about two weeks ago for a Chase credit card. In the past, we have received an instant decision which has also always been positive with a large credit limit. This time a message appeared saying it would be reviewed and that Chase would get back to us. When we inquired at a Chase branch, the representative was not engaged and said she had no notification of our application status in her system. I also registered my comments on the Chase website. 
I still have not heard anything back and would like to know the status of our application. Perhaps that 's not too much to ask of a bank that is the size of Chase.
In a recent review of my credit report, it has some to my attention I have a derogatory debt on my credit report and I do not know what this is about.
I was contacted by XXXX XXXX XXXX XXXX to pay a debt owed to XXXX XXXX XXXX at a reduced rate. % 50 of what is said I owed. I opted to do this. So I paid the amount and asked for a receipt, which they sent me. And I expected to have this removed from the credit report, but alas after many, many attempts to resolve this. and speaking to many people both with the XXXX XXXX   and supervisors, and the credit reporting agencies involved, nothing has been done. They both seem to pass the buck, even with documentation. ( which I have enclosed ) This has been going on since XX/XX/2017, and still reported as owed on my credit report. The reporting agencies, both Trans Union and  XXXX, say maybe this is a new claim #, so I disputed again, and then again, with the same outcome. And it is the same claim # XXXX ... .... I do not know what else I can do.
I travelled to XXXX, XXXX for business. On one night on XXXX XXXX I went to a restaurant and when I left I realized I had lost my wallet. I came back to the restaurant and found my wallet but XXXX individuals from the establishment stopped me and wanted me to pay more money but since I had already paid what I owed in cash I did not want to pay anything else. Forcefully, they put me in a room and would not let me leave. When I tried to run towards the door, they held me and XXXX. After approximately 2 hours they took me to another room and took my wallet from me. They ran my cards - XXXX of them went through and they would not let me go until I signed the vouchers. XXXX of the cards was a credit card from XXXX and the other XXXX was a debit card from Chase. After I signed the vouchers - trying to sign with differences to my true signature since I was not authorizing these charges - they released me and I left to my hotel in a taxi. At the hotel, still traumatized by the experience I call XXXX and Chase and reported my cards lost/stolen. I felt afraid being in a foreign country like XXXX where the news about corruption did not make me trust going to the police. I reported the incident to my supervisor upon my return home and I am fighting the credit card charge with XXXX - this was a corporate credit card. The XXXX investigation is still on-going and since I came back I wrote them a letter with the full story including the abuse from the merchants. The first Chase investigation concluded on XXXX XXXX and they stated the charges were correct. I called Chase and they told me the card used was authentic and made with chip technology transaction ( chip card and terminal ). I explained them over the phone the full story regarding the abuse I suffered and they re-opened the investigation. On XXXX XXXX they concluded the same as with the first investigation - that the card used was authentic and made with chip technology transaction. I called them and explained that since the beginning that has not been in question. What is in question is the unauthorized use of the debit card. Still they told me Chase could not do anything more and that I had to pursue other avenues outside of Chase. On XXXX XXXX I sent a letter to Chase asking for the documentation they used for their investigation including the documentation that will support that the merchant bypassed the use of PIN for my debit card.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter stating I owed Barclay 's Card money. I sent a validation letter stating I needed the signed contract that showed I agreed to pay. Also that I needed their license number to show the can legally collect in my state. Also that I would need 30 days upon receiving the information to investigate and that they have to stop all collection activity during the investigation period. They sent me back bills from the credit card company. They did not show any documentation with my signature showing I agreed to pay what they said I owe. Also did not send any license number whether it be their attorney license number or debt collections number. the letterhead says the offices of XXXX XXXX XXXX and also ends with that with no signature. I found that XXXX XXXX hasn't had anything to do with the company since 2007 and is not a member of the bar anymore. The company also isn't registered as a debt collector with my state. I have received papers for a lawsuit. Still on those papers no attorney is named just the law office. Since I'm not being sued by an attorney or member of the bar but instead from a company operating as a debt collection agency that company needs to be registered to collect in my state. Under the Fair Debt Collections Practices Act this company is acting in deceiving ways which is against the law. This company and the one they represent still are reporting negative information to the 3 major credit bureau 's though failed to validate the debt again a violation of the Fair Debt Collections Practices Act as well as Fair Credit Reporting Act. It is also defamation of character. I know of many others who have filed complaints as well. This company is a fraud and needs to be shut down!
XXXX XXXX XXXX IS REPORTING THAT THEY HAVE AN ACCOUNT THAT BELONGS TO THEM.I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX.XXXX HAS THAT I OWE THEM FOR AN HOSPITAL BILL, I DON'T OWE THEM ANYTHING. I OWE XXXX XXXX XXXX XXXX. I have contacted XXXX, XXXX  & XXXX  credit beureas on these matters. I need to get these ACCOUNTS REMOVED from my credit reports.thank you.
HP Sears is reporting a medical collection to all the bureaus. I went to XXXX XXXX. I have insurance. I have XXXX. I went to XXXX XXXX for only covered services. Services that are included in the XXXX XXXX XXXX 's scope of benefits are not chargeable to the XXXX XXXX beneficiary yet I have a bill. I have asked and asked for a reason why there is a balance but HP Sears is only interested in money. They threatened harm to my credit if I didn't pay them. I wanted time to find out what this was about so a payment plan was arranged in exchange for not reporting this on my credit. They put it on my credit despite my requests for validation of the debt. I spoke to your company before and informed them I am in dispute with XXXX XXXX and that they needed to validate this debt but it appears they have refused so I am asking for your help. I requested that they provide me with competent evidence that I have any legal obligation to pay you because I have 100 % covered insurance. Tell me : What the money I owe is for ; I asked them to provide a detailed list of any and all services or goods purchased and a line by line itemization of charges ; Explain and show me how they calculated what I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; They are not supposed to report on any bureau until they have provided this information but they did. I am considering taking this to civil court. I believe this might constitute fraud under both Federal and State Laws. I now demand they send me a deletion letter today until such time as this is resolved. I have my phone records to prove I have spoken to you and made this same demand verbally. This would be construed as knowingly violating the law.
A collection agency named : The CBE Group reported a collection on my credit report for the amount of 4XXXX from XXXX XXXX on XX/XX/2018. This is not my Debt, so I contacted The CBE Group and they verified that a person with my same name in California had the Debt. again, I told them this is not me and they asked if my last XXXX of my social was**** and i told them No, my last 4 is ****. CBE then stated that since I was not the person on the collections account, they could not give any further info. I told them that its obviuosly not me on their account, so take this off my credit report, and they stated " sorry, we cant help you ''. I told them I live in Missouri, not in California. They still refused to help resolve this false credit reporting that they made on my credit report. 

The CBE Group XXXX XXXX XXXX. 
XXXX, IA, XXXX XXXX
I sent XXXX, Experian, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, XXXX, and Experian received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Ever since Bank of America took over my mortgage from Countrywide, I have had problems getting my homeowners insurance on record. 

I buy my own homeowners, it is effective on XX/XX/XXXX. There has never been a lapse. With Countrywide, no issue. Company faxed the coverage, went on record, over and done. With Bank of America, each year, proof of coverage has to be faxed, and refaxed, sometimes 3 or 4 times. 

This year, I called the insurance company, prior to the effective date, and asked them to please fax the proof of coverage. They did, said it went through. In my ignorance, and not hearing from the company, thought, this year was different. No such luck. 

Received a letter saying they were increasing my monthly mortgage to cover the insurance they put on the house. I called said, no, there was homeowners, effective XX/XX/XXXX. Also said proof of insurance had been faxed to them prior to XX/XX/XXXX. Person on the phone asked to have it refaxed to a different number. This was done, called and was told they had the fax, all was well. Received a letter saying the additional monthly payment was taken off. Which I foolishly thought took care of the matter, so burned the letter. 

Today have an email saying to pay the additional or my credit would be effected. 

I do not know what to do, say, plead, threaten to get this over to them, homeowners is paid, proof is sent ( have asked so many times to have it refaxed it has become an issue with the agent and me ) every year. I do not owe for what they can not take care of. How do I handle this? 

A few years ago had a response from some vice-president apologizing for the problem. Does n't seem to have improved the situation. 

Where do I go from here? Is there something you can do?
XX/XX/XXXX my Health Savings Account could not be accessed by a Key Bank teller. We then discovered XXXX checks totaling {$7900.00} had been written on this account XX/XX/XXXX-XX/XX/XXXX ( none of them written to health professionals ). I did not check this account routinely since I last used it in XX/XX/XXXX. I filed an affidavit of fraud with Key Bank, filed a police report ( they could not help since identity theft is hard to prosecute ), checked the credit bureaus for other fraud ( none was found ) & assumed I would get reimbursed by Key Bank. However, Key Bank refuses since it had been greater than 60 days since the fraud occurred & the discovery & report of fraud. I have contacted local , county, state and federal agencies asking for help. The WA State Attorney Generals Office has started an investigation # XXXX. I believe the office forwarded my information to you but suggested I do so as well. If you decide to help me & need more information about any aspect of this case, please let me know & I will send everything I have. I have talked to several people & not one person I spoke to is aware of this rule. I would love to get my money back but even more I would love to have agencies responsible for protecting money, notify consumers when an account is opened, this rule exists. Consumers should have to sign they understand this rule. 
Thank you for your interest. If you can help me, I would so appreciate it.
I am starting to be harassed by phone for credit card collection. I want Discover to cease and desist contacting me by phone for collection on my Discover credit card account. I have other credit card companies that have used harassment by phone for this reason and reported them and the credit card companies quit calling me. Please contact them and let them know that this type of harassment is illegal. 
Contact information : Discover Card information : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX IN XXXX SS # ***********
I have contacted Citibank at least eight times since XXXX XXXX regarding errors on my credit report. Initially, Citibank responded stating I needed to contact the XXXX credit bureaus about my problem. I did as Citibank instructed and received XXXX letters stating Citibank was basically at fault and would need to correct their error. I then wrote several more letters to Citibank, including a letter to the legal department " demanding '' these errors be corrected. Citibank sent me XXXX letters on XXXX/XXXX/XXXX, one letter on XXXX/XXXX/XXXX and one letter on XXXX/XXXX/XXXX, which stated they would correct the errors and it would take up to 30 days to be reflected on my credit reports. Today is XXXX/XXXX/XXXX, and my credit reports are still not accurate. I have spent many hours on this problem ( at least 15 ) and nearly {$20.00} in postage for the various letters sent to Citibank and XXXX credit bureaus. This is not right! I 've been a loyal customer for 21 years ( XXXX ). My credit report needs to be corrected. I also am " demanding '' {$5000.00} in compensation for my time and the financial resources spent attempting to resolve this matter informally. I have PDF scanned copies of all the letters I have sent to Citibank and XXXX Credit Bureaus and would be happy to share those with Citibank as proof. The dates of these letters are : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( x3 ), XXXX/XXXX/XXXX ( x2 ), XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Also, my credit score continues to suffer and has suffered for over a year due to Citibanks inability to solve this simple problem.
I lost my American Express credit card and called American Express. They said they sent me a new card. I never received the card. I tried to call several times but the wait is over 20 minutes. I got a bill for the annual fee. I called to cancel because I never received the card. When I called they kept trying to sell me on getting a " blue card '' and a big promotion they were having. I told the rep I just wanted the {$450.00} charge removed. He said yes for sure but I needed to apply for the blue card and must get a green card. He talked me into it so I agreed because I couldnt ' get him to just get rid of the card fees that i never rec 'd. A few weeks went by and AMEX only credited {$370.00}, not the {$450.00} they promised. I called several times but am not allowed to call from work. I work XXXX hours a day because I am a sole provider trying to support a family. My husband lost his job in XXXX. I can not call from work. I do not have time to call and sit on hold for 20 minutes. Today I called and sat on hold for 20 minutes. The rep, ID # XXXX said he did n't believe me and would n't reverse any charges and kept talking over me so that I could n't talk. American Express is now harassing their customers and telling them lies and making them sit on long hold periods to steal their money, how is this legal? He would n't do anything for me but harass me.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Chase has allowed someone to fraudulently use my information in applying for a credit card. I have contacted them numerous times and have had the cards and applications shut down, however the hard inquiries are still on my credit report.
I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
I received a letter from the Bank of the West where I have a checking account in which I typically retain a significant balance that I am going to be automatically charged a monthly " Paper Statement Fee '' of {$3.00} unless I elect to receive Online only statements. I have had this account for decades and I object to being 'coerced ' into doing business online.
I placed an online order on Home Depot.com for a washer and dryer using my Home Depot credit card ( issued by Citibank ). My account at the time had a {$0.00} balance with just under {$6900.00} limit. Once I placed the orders, i received emails advising that the charges were declined. When I contacted Citibank, they advised that the charges were approved. When I then contacted Home Depot, they advised that the charge was declined. Neither Home Depot or Citibank have been able to advise me why the charges were declined and as a consumer, I have a right to know why the decline
On XXXX XXXX, 2017, I applied with Capital One for a Credit Line Increase - I was denied. I was able to open a new line of credit with Capital One. I was advised by a representative - even though my exposure would remain the same, I would be unable to merge the lines to one Line of Credit. I also was advised that ALL credit decisions are computer-based and their company does not take part in judgmental lending, period. Both requests were made same day, within an hour. Judgmental lending is necessary for a healthy credit relationship, as computers are not as smart as we give them credit for. These actions make NO SENSE.
Fortiva refuses to close the account that was created using stolen personal data. A letter was submitted to Fortiva on XX/XX/2016 with the opening of the investigation by my local police precinct. An account was open at both XXXX and XXXX, and were immediately closed on notification by XXXX and the other XXXX credit reporting agencies. Fortiva has refused to close the {$20000.00} credit line.