WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Experian again as well as opened disputes with XXXXXXXXXX and XXXXXXX ( been multiple times ) to inquire about a dispute with an item on my credit report. I have previously disputed this item, and multiple times it has come back as verified and accurate without a deep investigation or any explanation as to what was given as documentation to verify the debt listing is correct. On the call yesterday with a representative XX/X/2017 I asked the representative to reopen another dispute into a XXXX XXXX listing as it is not reporting a correct listing and I asked her what is the dispute process. She stated that agency will ask the creditor if the debt is accurate and as long as they say/certify that the listing is right then they will leave the listing. The creditor has to provide them with no documentation showing proof. FCRA states that lawfully Experian, XXXXXXX and XXXXXXXXXX must provide the method of verification as well as who the furnisher was who verified the information. Im having this issue not only with the XXXX XXXX account but also with some inquiries on my report. I 'm requesting a through investigation of these items and when complete I would like method of verification and who the furnishers were so that I can make direct contact. If these things can not be provided I request that they be removed from my credit report promptly.
It appears my ex husband opened a credit card with my name on it without my knowledge. The card was opened on XX/XX/XXXX. It states clearly under where I would sign that I was not available due to I was XXXX. I was never XXXX. Also, my date of birth is wrong on the application. This credit card is showing up on my credit report. He continued to use the card after we were divorced on XX/XX/XXXX maxing the card out.
I have had XXXX debt collectors from XXXX reporting on my credit report. XXXX of the debt collectors were removed but was claiming XXXX different amounts : XXXX XX/XX/XXXX XXXX XXXX {$660.00} XXXX XX/XX/XXXX XXXX XXXX {$81.00} Now as you can see there is a major difference on these amounts. Which very wrong. 
The other XXXX are still on my report still with XXXX different amounts : XXXX {$660.00} XXXX {$100.00} XXXX XXXX just came on my credit report as of XX/XX/XXXX with XXXX still reporting it as well. Between all XXXX debt collectors no one has given me the original amount. Nor do I own this debt in general due to me having a XXXX prepaid phone as of this date.
I agreed to a  XXXX   XXXX  payment for m y credit score and was signed up for a subscription. There tactics are deceiving and extremely difficult to undo. I had to make three very long calls in order to reach them and they refused to refund my money for something I never wanted. They make it seem as though you are agreeing to a one time payment when in fact it is a subscription.
UNION ADJUSTMENT CO, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, CA XXXXIndividualOriginal CreditorXXXX XXXX {$97.00} They have XXXX and XXXX infractsions on my credit and they continues to validate their collections to XXXX, yet each record is in XXXX on my credit report. XXXX and XXXX investigated and removed them from my credit but XXXX will not and they actually continue to grow. They just added more and damaged my credit by XXXX points. I do n't have money for a lawyer at present or I would seek damages cause this has been going on for 3 years.
I have contacted Equifax and provided them my police report, my drivers license, copy of a bill, and social security card and made them aware that multiple inquiries appeared on my credit report as a result of identity theft. I have asked them to investigate the matter in accordance with the FRCA, but they have refused to do so. I have asked multiple times in writing that the fraudulent inquires be removed from my credit report, and Equifax refuses to do so. The following inquiries are fraudulent. 

XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiry ) XXXX XX/XX/XXXX ( Fraudulent Inquiry ) These are not my inquiries and were initiated as a result of identity theft and should be blocked from my credit file since they are not mine and therefor not a true and accurate record of my credit history.
My husband who was the only one on the loan passed away last year, I have been struggling to adjust to his loss and the lost income, i have fallen behind. When I tried talking to the lender they would tell me i had to provide death certificate and copy of deed which I did then they say I had to have his estate probated and be the personal representitive. The lawyers I talked to said this was not necessary and the process would be very expenses. 
I also contacted a Hud certified counseling agency to help me but they too were not allowed to talk with the lender. 
They have sent the loan to attorneys to start the foreclosure process, I call they say they can't talk to me. 
I would like to save my house and have income to make payments but they will taake them or work with me. 
I am a surviving spouse and want them to abide by that program.
i have been an american express customer for years. i noticed about 8 months ago that my business management account waas not accumulating points i called last weekend i was told since XX/XX/2017 no points have accumulated. i was told it would be worked on. i call today and see nothing has changed i get transferred all over the world with no regard for my time. this is stressful enough and i cant be the victim of system failure. i need points i am owed from XX/XX/XXXX on on business management acct which i am owed and other for my trouble and how this happened explanation without calling and being trnsferred all over the world
I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, Portfolio Recovery Associates, sent out documents that appear to be forged or altered. My client made XXXX other attempts to get verification. I filed a FDCPA complaint against PRA, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, 2015-CFPBXXXX which detailed many of PRA 's tactics. My case is : in the XXXX Michigan. XXXX of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices PRA engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.
I opened a checking account with CitiBank on XXXX/XXXX/XXXX in response to a promotion that I had received. The promotion said I could earn {$400.00} by depositing {$15000.00} and maintaining that balance for 30 days and keeping the account open for 90 days. I decided to close the account on XXXX/XXXX/XXXX ( 99 days after opening it ). I called Citibank to close the account and confirmed that I had met the requirements to receive the promotion. When I received the close-out check, it did not include the {$400.00} promotion. I contacted Citibank which told me that I had met the requirements and that the promotion had been set to be credited the day that I closed the account, but by closing the account, I could not receive the promotion. I escalated my call to a supervisor who forwarded my complaint to a department. This seems like a classic bait and switch. I funded the account with the required amount of money for the required amount of time and yet Citibank has not upheld its commitment.
It shows that i am 120 delinquent on my payment but im not. I am up to date so i would like it to change on my report.
Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files. 

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well. 

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts. 

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
Midwest recovery systems has placed a collection account on my XXXX   and XXXX credit reports as of XX/XX/XXXX. The account was listed on the credit bureaus lacking sufficient information, which only shows a balance and lacks an account number, the type of debt or an origination date other than the date of collection ofXX/XX/XXXX. The debt does not belong to me. Midwest recovery systems not provided me with proof showing the debt belongs to me which would include a contract showing signatures or proof that any monies have been provided to me. They have only begun attempts to contact me. I have received calls XX/XX/XXXX at XXXX and XX/XX/XXXX XXXX. The attempts to contact me have been outside of legal times to make contact. I am currently in the process of purchasing a home and the company has caused my XXXX credit score to drop 78 points from XXXX to XXXX, and my XXXX   score to drop 69 points from XXXX to XXXX. The incorrect reporting has caused me to no longer be eligible for home financing programs and the loss of a down payment grant on a new home. I will begin taking legal action against Midwest recovery systems by seeking damages for the losses that I have experienced in regards to the collection placed on my credit files unless these items are removed from each credit file.
On XX/XX/XXXX I submitted a dipute with Experian indicating that XXXX XXXX   had incorrectly reported a balance on my Experian credit report. This account was included in chapter XXXX BK XX/XX/XXXX and discharged XX/XX/XXXX. I received a recent Experian Credit report Dispute Result Report # XXXX with XXXX XXXX   account # XXXX and its showing current change off starting XX/XX/XXXX through current date. This is a FCRA violation and Experian and or XXXX needs to correctly report as ND ( no data reporting ) due to Bk chap XXXX in XXXX
I am a victim of identity theft and it adversely affects both my credit report and my background check information. I have an identity theft pin with the IRS for filing my taxes and I have 1 letter documenting that someone else has been using my identity in another state. What can I do to fix my credit score and background information?
I learned in 2013 a company named Calvary had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to XXXX and XXXX and I wrote XXXX and XXXX and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.
XXXX XXXX XXXX for amount of {$1200.00}. I have sent XXXX XXXX XXXX a debt validation and XXXX XXXX XXXX has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me
OCWEN/GMAC MORTGAGE WAS PAID IN  XX/XX/XXXX  BEING REPORTED AS CHARGED OFF INSEAD OF PAID
I am receiving several phone calls at my place of work ( XXXX is the number of the XXXX I work at ), regardless if I am there or not, every single day. I have myself gotten on the phone to tell them this is my place  of employment and they can not call me here but they continue. They have now learned my spouse also works at the same XXXX and have begun asking to speak to her as well. This has been going on for several weeks to the point my employer is considering it a distraction.
As power of attorney for XXXX XXXX XXXX I made car payments from his bank page think it was going to XXXX XXXX. I did n't realize that it was in fact still linked to GM Financial. He had a loan with then XX/XX/XXXX and the car was paid for. I sent XXXX They returned XXXX payment for XXXX. However following payments in the amount XXXX and XXXX were made upon receiving letter from wells that said he was behind XXXX so I paid what I had on hand knowing that I had just sent XXXX. It was never received and I have been trying since XX/XX/XXXX to get the money back from GM. Apparently they had and old address on file. I call in XX/XX/XXXX to find out what was going on after his bank said they could n't retrieve them money I would have to call GM. I was told they would update the account and issue the check. On XX/XX/XXXX I called again as I had not received checks as per first call it would be XXXX. I was told then they would put in request again and someone would call the following Mon. XX/XX/XXXX. I called again today XX/XX/XXXX cause there were still no checks in the mail. I was told they were waiting on another department to return email and they could n't give me a time frame someone would get back to me. When I asked to speak to supervisor I was transferred to XXXX XXXX 's voice mail with no estimated time of call back. At this point they have till Wed end of business to give me time line or I 'm going to court and charging interest and penalties in accordance with Arizona law they can pay court fees and whatever else the court deems fit.
I am a victim of identity theft. Since XX/XX/2015 two cards were opened at XXXX. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at XXXX XXXX. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.
I called USAA and spoke with a card services expert. I have a credit card with them that started off as a promotional 0 % period and then went to regular floating interest. I have balances that are at 0 % and 12 %. The women on the phone read from a script that described their payment hierarchy, and she stated that payments are applied to the lower interest balances first and then applied to the higher interest balance. Her solution for me was to pay off the $ XXXX in 0 % balance first and then I could pay off the $ XXXX in 12 % balance. It is my understanding that this is in direct violation of the Credit Card Act of 2009. I have made several payments larger than the $ XXXX balance, and could not understand why I was still being charged interest.
Hello. My Name is XXXX XXXX ; XXXX Veteran on a fixed VA income and Social Security. I put down XXXX down around XX/XX/XXXX for a XX/XX/XXXX Mersades Benz 2 Door coupe ; 4 seater. The cost of the car was {$6000.00}. I thought I was getting a good deal however the car turned out to not only be a lemon for which I have filed a previous case with your organization, but I was stuck with paying not only 35 % intrest rates on a {$6000.00} auto loan through United Finance located on XXXX XXXX XXXX XXXX, Nevada XXXX ; XXXX XXXX ), but also I am still paying the 35 % so it is like my principal hardly moved at all. I still owe {$4800.00} and now I have a XXXX credit rating which is worse than when I started making payments to better my credit and I am in a negative status with all XXXX credit breaus while United Finance is making a fortune from me concerning paying for this lemon car I have previously reported to you this month. I need assistance in both cases to get justice because I am being stressed out and robbed all the way around and I am still making {$300.00} a month payments.
Tried to get inquiries removed from my accounts with XXXX, XXXX, and Equifax told them that they were not authorized but the companies refuse to remove them.
HunterWarfield continues to try and collect a debt which was already paid. Their client -- XXXX XXXX XXXX, already took in full accord and satisfaction payment to resolve all outstanding claims between these parties. A copy of the deposited check and the agreement has been sent on numerous occasions to HunterWarfield, yet they continue to ignore the legal effect of it and report negative information to the three major credit bureaus in violation of the FDCPA.

This will be the last attempt to try and resolve this dispute with the company before a lawsuit is commenced against them for violations of Federal and State law.
I have a home mortgage loan with Ditech. My name is XXXX XXXX. My loan originated with XXXX XXXX XXXX XX/XX/XXXX. I purchased my home with over 30 % deposit and decide not to set up an an escrow account to impound property taxes. Several years ago XXXX sold the loan to Greentree financial, then Ditech took over Greentree loan. I have never been delinquent in paying my mortgage ever. My spouse pays the mortgage automatically through his checking account electronically. I received a Call from a Ditech XX/XX/XXXX debt collector indicating I needed to call them. They were stating they were debt XXXX. I called them and apparently they are collecting for taxes they paid and late fees. I paid the property taxes, but asked them to not impound the taxes. I requested they waive those junk fees, because I pay my own taxes as my mortgage documents stipulate. ( loan # XXXX ) I also asked for a proper verification of debt, they refused. They refused to undo the impound escrow account. I was transfer from rep.to rep. I paid the taxes, even though I did not have a verification of debt, cause online statement says they paid it on the XX/XX/XXXX. They were due on XX/XX/XXXX. I made a payment today of {$1500.00} to go the property taxes. I want them to provide an itemization of what they paid, to do a reversal of all the junk fees they put on. My payments have always been on time. they refused to let me speak with managers, and did not respond to the fax I sent XX/XX/XXXX. I do not want them to report my payments as late. they need to review the docs I signed with XXXX to see I pay my own taxes and insurance. this is a ploy to try and foreclose on my home illegally. Property address is XXXX XXXX XXXX, XXXX CA XXXX. The XXXX county treasurer tax collector said they have created a lot of problems for home owners such as me. I ask for your assistance to solving this problem, since no one at Ditech cares about fixing the errors they made which are causing me financial distress. They also sent a debt collection letter with some other persons name one it and a different collection amount. They admitted sending lots of these letters out in error. I believe they did this to collect fees in an illegal manner. This predatory lending practices and it is unethical. Please assist me if handling this problem and email me at XXXXXXXXXXXX This is so stressful. I never had a problem with XXXX XXXX XXXX when they handled the loan. Thank you, XXXX XXXX
I signed up online for a promotion from Discover for a credit card offering a 12 month 0 % balance transfer option. I was approved and proceeded to transfer {$1500.00} from a XXXX XXXX card with a high interest rate. When I received my first bill from Discover, it showed an interest charge for the balance transfer. I contacted Discover, and they are telling me that we replied to a " counter offer '' with different terms. This is incorrect. Everything was approved during the initial application online. Even now, when I do a soft inquiry on their website to see what I may be approved for, the offer is still open to me to submit a balance transfer at 0 % interest for 12 months. Discover has said they will review it, but to allow up to 30 days for a response and in the meantime I should consider transferring the balance to a different company. This is not acceptable.
I received a letter from XXXX, XXXX XXXX XXXX XXXX, XXXX in regards to XXXX XXXXXXXX XXXX XXXX stating that they wanted to collect on this loan on behalf of Navient. I went to XXXX XXXX  from XXXX to XXXX. I was approached by Navient in XXXX to pay a debt of {$10000.00}. Navient called me night and day and harassed me. They representatives lied and told me that I was responsible for this loan because it was part of my Stafford loan. I was so scared at the time because I did not want to have it affect my credit. They used fear, shame, and annoyance tactic to get me to pay on this loan. I still do not recognize this loan. I made payments at the time under the guise that the balance was part of my Stafford loan. I have 12 federal loans with Navient at the time. When I discovered that I have no recollection of the loan, I demanded a copy of my original loan paper, I never received the original and was told that it was a transferred loan. 

Currently, I have obtained legal counsel and wrote to XXXX, XXXX XXXX XXXX XXXX, XXXX demanding the original loan document and for the statue of limitation of the original document. I do not acknowledge these two creditors and the original loan 's statue of limitation ran out in since XXXX.
A court day for judgement from Nationwide Cassel L.Prepresented by XXXX XXXX, IL XXXX Is over 15 or 16 years old. They have issued a summons to appear in court to collect this debt.
I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX Vet. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX