WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone moved into an apartment using my information using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX ( Both accounts ) This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up another car loan using the same social security number, birthday, etc. I had already bought a car here and they took advantage from XX/XX/XXXX. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX XXXX XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

XXXX This was re-added to my report after being removed. It has been verified that while I was overseas, someone opened up my account using the same social security number, birthday, etc. This is not fair that nobody is looking into this and seeing it was a result of identity theft. Someone pretended to be me the 2 years I was overseas. PLEASE remove this file. Thank you! 

I have attached a police report proving this, so please remove it!
i received a {$100.00} loan from this company. i owe this company less that {$30.00}. I lost everything in Hurricane Harvey and have been displaced for 2 months. I explained to the representatives at the loan company that i was displaced. I lost my home and cars in the hurricane and once I 'm stable i would contact them to pay off the small balance. This company continued to call me, particularly a staff named XXXX, every day. I kept saying the same thing. She has even gone as far to call my references. I contacted XXXX today, XXXX/XXXX/2017 and asked her again to please cease contacts to me. She stated " I did not contact you, i called your reference ''. This is flat out harassment! Especially after i specifically explained my situation and my intentions.
XXXX calls and sends debt collection letters for something that was removed from my credit history due to dispute. It is not my debt that they are harassing me about.
Received a collection call from the company who has the loan. It is a vehicle loan. The collector said that they would take my home and that the dealership made the first payment, if so there is no issue. Total lies.
XX/XX/18, Atlantic Credit and Finance called me today trying collect a debt. I told her to remove this number ( my work number ) from their list and provided my correct cell phone number. She proceeded to say that the last time they called me at this number ending in XXXX ( my work number ) you told us the same thing. I cut her off by saying yet you called me again and you know that's wrong. I disconnected the call.
X/XX/2018-X/XX/2018. Hello due to returns and online payments I was shown to have an available credit of over {$4200.00}. It said that I still had a balance due of {$140.00} but that never updated and posted correctly. I made purchases on the XX/XX/XXXX of {$280.00} at XXXX, {$370.00} for insurance, a little over {$20.00} on gas, and another {$17.00} on a video service. Now it is showing that I have an available credit of {$3100.00}. I spent close to {$700.00} not {$1000.00}. 

I have tried calling the bank multiple times and they said I could n't have credit over {$4000.00}, but I know what I saw. They also said they charged me {$140.00} even though that should have been paid off due to payments and refunds. They are always late when posting transactions so the available credit never seems to match up with balance allowing them to take extra money!
Once again, as XX/XX/2018, Equifax sends me a confirmation number saying that I can view my report as well as the results of an investigation they completed, ONCE again, it tells me that My information doesn't match their records. 

Once again, this needs to be fixed or I will take them to court just so I can get access to my reports!
Bought my 2nd home since XX/XX/XXXX, with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for 5-6yrs. In XX/XX/XXXX, I decided to modify the account but has been very difficult for the past 6 years. Tried short selling the property through an agent you helped me in finding a buyer, submitted all necessary documents and down payment. They refused I request deed-in-lieu of foreclosure, they refused. All while, they have trying to sell my home. All the time I am getting a new relationship manager. The loan has been sold or transfer to different company. Several time they will call my phone, when I do pick up, there is always a silent on the other end. This is very frustrating. About a week ago, I call the company, someone did answer, and I now request4ed to have my house back, I am no longer interested in modifying the loan. Please, can someone help me, I have been having a hard time with this company. The aggravation is affecting me health wise. Need help.
XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on Transunion and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a severe XXXX XXXX on XX/XX/XXXX.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports
I had a ROBO call from XXXX stating i was a person of interest. When I called the Company he Indicated he was from XXXX XXXX XXXX a debt collection company. Company Rep asked for my personal information I refused and stated that if this is a collection company simply mail me a VALIDATION OF DEBT, Company Rep refused and hung up.
I mailed XXXX certified letters requesting validation and never received anything. The collection is still appearing on my credit reports. I even contacted the XXXX office in Minnesota & Washington state. They have ignored my requests and I am asking that this be removed from my all XXXX credit files because of failing to respond since the first of last year.
XXXX   XXXX  has an account on my credit file for a charge off of  XXXX . This. Account has since been sold to  XXXX   XXXX   XXXX   XXXX   XXXX  who is collecting the debt and threatinf to report to the Credit Bureau. I want   XXXX   XXXX    information removed since they are no longer collecting and I 'm working with   XXXX   XXXX   XXXX    XXXX   XXXX .
Fair Credit Reporting Act Willful Non-Compliance, Willful noncompliance with FCRA Disputed Accuracy Section 611. FCRA Rules allow {$1000.00} per violation. EQUIFAX failed to respond twice within 30 days to letters sent in response to inaccurate contact information on my credit report.
On XX/XX/2019, I submitted an online dispute with TransUnion regarding the balance that was being reported on the XXXX XXXX ( XXXX XXXX XXXX ). However, I never stated that I did not recognize or was responsible for this account because I am an AUTHORIZED USER on this account ; I only requested to have the balance updated to show the accurate amount. Instead, without my authorization or approval, TransUnion has deleted this account from my credit report which has negatively impacted my payment history. 

Please add this account back to my credit report, immediately, Failure to do so is a direct violation of the FCRA. Additionally, please send me an updated copy of my credit report once this matter has been resolved.
Synergetic Communications., Inc. sent me a very disturbing letter dated XX/XX/XXXX that I have attached where they requested the payment of a debt for a car that was repossessed in XX/XX/XXXX because of my illness that led to a XXXX. The collector claims that if I do n't pay the debt or contact them within 30 days, they could sue me, as stated in the letter. The debt is past the debt collection as per the following : Statute of Limitations. Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means that debt collectors can not sue individuals in an attempt to collect debts that are more than four years past due. The debt was reported and closed on XX/XX/XXXX more than four years ago. I also do not know where or how thee credit agency received my information, I have never heard of or spoken with them before and the fact that they contacted me with such a harsh letter has affected my XXXX terribly. Poor XXXX Americans already suffer from disparities that include underemployment, over-employment and discrimination. We are always the first laid off and less paid, as is some of the issue that happened when my car was repossessed. Even the way XXXX repossessed the car was disturbing where they pretended that if I would make another payment, I could save my car while at the same time the repo man came to my house. 

The debt, according to my credit file, was reported and closed as follows : Account Details Bureau Name XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$30000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$8300.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Worst Pay Status Unknown
Theres inaccuracies in my XXXX  report showing a collection for {$100.00} from TransWorld Systems opened on XX/XX/2017. Another inaccuracy is on my XXXX report from XXXX XXXX for {$500.00} opened on XX/XX/2017. I pay all my bills. These are not my collections/accounts.
I OPENED A XXXX  ACCOUNT WITH CHASE AND RECEIVED THE CARD. I MADE THE PURCHASES ON IT TO GET THE MILES. I HAD XXXX MILES IN MY XXXX  ACCOUNT AND CHASE NEVER TRANSFERRED THE MILES INTO MY ACCOUNT THIS WAS WOULD HAVE ALSO EXTENDED THE EXPIRATION DATE. 

I ALSO CALLED IN TO XXXX TO DONATE THE MILES IN ORDER TO EXTEND THE EXPIRATION DATE. 

I CALLED CHASE THEY SAID THEY DO NOT EVEN HAVE THE CREDIT CARD ON FILE OR REPORTED TO THE CREDIT BUREAU.
In XXXX 2015, I paid {$340.00} to remove an item I discovered on my credit report. It was my belief, at the time, that paying it was the only way I was able to get the tradeline removed from my credit report. The collection company told me the account belonged to me and I believed them. My sole reason for paying the debt was to remove the trade line. The company did not make me aware or offer an opportunity to request verification of the account they claimed I owed prior to paying it. Even though, I questioned the validity, I did n't know I could request verification of the debt - nor did they offer. I paid the amount the company stated I owed to remove the trade line, but the company did not remove the trade line as I had requested they do once they received my payment. Representatives of the company were very rude once they got my credit card number. After getting nowhere and becoming frustrated, I asked to be transferred to a manager. The manager was also rude and told me they would not remove the trade line and ultimately hung the phone up in my face.
My wife and I have made every single mortgage payment for 11 years, XX/XX/XXXX OCWEN increased our escrow amount without notification and the payment we made was short when we were notified by phone the second payment was short we have since corrected the issue and in fact was issued an escrow refund. Now after looking into the purchase of another home we find that our credit report shows 3 late pays. I have contacted OCWEN on three different occasions and they stated they would remove this from our credit report and still as of today XXXX XXXX, 2016 it is still on our credit report. This has negatively impacted our ability to refinance and get away from this predatory lender and now I am asking for your help.
On XX/XX/XXXX I received a letter requesting payment for {$690.00} for a credit card. When I called that day or a week later they told me I owed a little more than that and to pay XXXX which I did. After that they said I owed an additional XXXX. I replied that I called and obtained the total to pay off and paid what they told me. Now the additional has turned into XXXX with all the fees for the past 10 years. And now out of the blue they are garnishing my paycheck for it. I wish to request a motion to vacate as there is no way I owe this much. I had nothing indicating that I owed this until yesterdayXX/XX/XXXX when I received a letter from payroll.
Rise credit use questionable verification process to deny my application for a loan. I had previous loan with Rise credit and my payment history was excellent and I paid off the loan completely early. Rise credit have constantly soliciting me for more loans through emails and letters sent to my home. 

I provided several documents of very sensitive and confidential information regarding my banking accounts. They now claim the documents could not be verifiable and manipulated. But Rise credit didn't report to the police and they advise I reapply to them in 45 days. I don't understand why would they want me to reapply if this was a Fraudulent account? 

I asked to speak to Management and that did no good. If Rise credit can't determine if an applicant is legit then I am concerned that they have my confidential information.
My loans was increase without me knowing and i was n't aware of it. I was also given a low payment plan being income based.
I attempted to obtain my free annual credit report online from Transunion but was notified that it was unavailable. It stated that I could fill out a form and mail it in to receive my credit report and so I did. I then received a letter from Transunion stating that they could not locate my credit report but I could provide them with proof of my identity, address, etc. and they would attempt to find my report. So, I mailed them copies of my drivers license, utility bill, social security card and birth certificate. Finally, they have sent me my report. Not only have they made me jump through numerous hoops and send them highly sensitive information which if it fell into the wrong hands would make my identity very easy to steal, they have provided information to my credit card company ( XXXX ) that has resulted in my FICO score to drop XXXX points when I access it through XXXX. However, I have no negative information on my credit to explain this massive drop in my FICO score. In fact, I have accessed my FICO score through my other credit card company ( XXXX ) and it shows no such drop in my score ( they rely on XXXX to access my information ). I feel that I have been unfairly treated by both Transunion and XXXX in that my FICO credit score has been adversely affected through no fault of my own.
I had a Capital One credit card since 2010, and I never got any credit line increase. At the same time my credit line with other XXXX companies increased from {$800.00} to {$6000.00}. I requested credit line increase few times and they rejected it every time with really stupid explanation. Last time they said it is because I was making too small payments. My monthly minimum payment is {$25.00} and I was paying {$60.00}. I never missed any payment, and my credit score is really good. I feel discriminated because no matter what I do they do not want to increase my credit line. Last year my account was paid off and they still did not do it, so it is not because I have a balance on it right now.
on XX/XX/XXXX I was rejected for an institutional account with Coinbase,  which placed a lock on my personal account. I have not been able to withdrawal money from my account since then and have contacted support 6 times now with no resolution in sight.
This is my 3rd dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
PNC Bank is charging to cash their own checks. This has been one of their fraudulent activities since ages. It is preposterous for bank to charge to cash their own check and this service of draining money from the average consumer should stop.
I sent a written cease of communication notice along with a request for verification of debt in the form of specific account details, charges, payments, etc ... from the reported original lender/credit card company. I requested in writing that they communicate via mail only and stop all phone contact attempts. Despite the letter, they continue to call and as of this report, have not provided verification of the debt.
On XX/XX/XXXX, I received a notice from Citibank that my account ending in XXXX was closed because of inactivity. I had no inkling that this was even a possibility until the account was closed. Citi notifies me all the time about all kinds of things, including their product offers, but never gave me an opportunity to use my account to keep it from being closed. When I called their customer service on XX/XX/XXXX, the representative told me that my account closure was irreversible and that Citi was under no obligation to notify me in advance. Ironically, they had just sent me a new card for the account they ultimately closed, further giving me the impression that my account was in good standing and not at risk for closure. 

This is no doubt incredibly frustrating news to receive because of the negative effect it will have on my credit score, but that 's only part of the problem. Financial services firms should not be able to take the drastic and onerous step of closing an account without first notifying the account holder and giving that person some time to rectify the situation. The CFPB has so many good policies in place to keep customers safe from unfair account practices, and requiring a company to notify account holders of potential account closer should be added to that list of protections.
This is my second complaint against this collection company. The response from the first complaint was totally false and inaccurate. To follow proper procedures, I sent a certified letter to them requesting validation of what is reporting on my account. Mid-Michigan Credit Bureau failed to retrieve and receive the mail. Tracking information is provided in the attached. This in a direct violation to : FDCPA section 809 ( a ) VALIDATION OF DEBTS, states : A debt collector shall send the consumer a written " Notice of Debt '' letter containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
This account should be removed immediately or legal action has to be taken.
I had a low balance of on my debit account at TD of {$6.00}. I fueled up at a gas station on a Wednesday after XXXX using credit. Knowing that it would run through as {$1.00} for a few days before the full amount processed. Where I would load up the account with more than enough money early Friday morning before the banks open. So no harm no foul and I would never reach a negative balance. As planned that's exactly how it all played out. Except that weekend TD decided the would still like to charge me an overdraft when there never was an overdraft or a negative balance on my statement. Huh? ... Funny how that works. Literally stole from me. Called to reverse the fee they refused and I will be closing my account immediately, as I do not like to do business with liars and crooks.
I previously submitted a complaint involving Discover Card. 
They are reporting on all 3 credit reporting agencies that I have a balance of {$6000.00}. 
At one time they were reporting that the balance was {$330000.00}. 

I received a letter from the attorney 's involved in the matter and they are saying that the amount that is due is {$3400.00}. I have contacted the attorneys concerning the matter. I have offered to pay only with the guarantee from them that this account be deleted from my credit report. Dispite several letters, I have had no response. 

Please see attached file which is the letter from XXXX XXXX XXXX. It clearly states that the balance due is {$3400.00} ... .not {$6000.00} as reported on the credit reports.