WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX I received a notice from Diversified Consultants inc stating I owed XXXX XXXX to which I'am a current customer XXXX {$900.00}. I forwarded a letter to Diversified disputing this charge and requested verification of debt. I never received verification of debt and Diversified reported collection to Equifax, TransUnion and Experian. I contacted Diversified in XXXX to verify they received my letter and they responded yes and added note to dispute that customer disputes charges but did n't remove collection account from record. I also disputed information with all of the collection agency as well. on XXXX/XXXX/XXXX I forwarded a second letter Diversified to provide documentation regarding the validity of the debt or to remove from my credit report. To date, still have n't received anything and collection account remains on my report.
I continure to receive Debt Collection Letters from Works & Lentz Inc regarding Medical Bills to which I do not owe and have proivided Notarized Identity Theft Affadavit as well as Police Report, as well as Cease and Desist and they continue to Harrass me for debts I do not owe, and have now sent Medical Records on someone whom I do n't know and that is FEDERAL HIPPA VIOLATIONS.
I have a checking account with American Express Serve. I have a direct deposit from my job and a deposit from my school for my refund. I have been calling for 2 days. The first day they said by XXXX XXXX that day. When I called back they said by midnight. The next day nothing I called in the am and they said by XXXX XXXX. At XXXX XXXX I called and they said with 3 hrs. 5 hours later they tell me in another 4-5 hours. My car insurance has declined, my phone will be off. I cant buy my daughters lunch for school or my dog food. I have a lease I signed to move on Friday I have to pay that. I talked to 3 supervisors and 2 said the same thing wait, and the third suggested I borrow the money from someone. I work so I dont have to borrow money from anyone. All they keep saying its a system issue and they are working on it. The bad part is there is nothing I can do but hope this is all over soon. But I advise no one to bank with them.
I have attempted for five years to have 2 liens from XX/XX/XXXX and XX/XX/XXXX removed from my Equifax credit report as they have been satisfied. I have gone through Equifax directly but have been unsuccessful. I answered that I had not done so because I no longer have the paperwork from the last attempt, over a year ago. 
Attached are screenshots that show I have no current liens. Please do what you can to have these removed from my Equifax report.
FIFTH THIRD BANK-XXXX. XXXX XXXX XXXX MD XXXX, OH-XXXX ( XXXX ) XXXXItems was removed during successful dispute. Fifth third then put back on credit report and duplicated the account. Now shows two accounts. This is preventing me from obtaining loans
i applied for credit with XXXX/XXXX XXXX. I received a letter in the mail asking me to contact them to verify my idenity which i did. They ask me a serious of questions. I answered the questions correctly according to my life today. Receive a letter in the mail a few weeks later telling me that i was declined base on the fact that my identity could not be verified. Called the bank which issues the credi card, to ask the reason why and they told me that one of the questions was not asnwered correctly. Ask them what question, they did not know and referred me to XXXX to answer the question. Called XXXX and they said they did not give the bank the security question and it came from public records, They had no idea how i could update the pulic records that the question are coming from. XXXX suggested i call XXXX and XXXX and they gave the same simliar answer. 
I am being deined credit based on inaccurate information coming from security questions from some public records file which is inaccurate. 
Which no one is telling me how to update. Why should they evening be using this. The answers given to security questions are inaccurate and outdated, my credit is affected. I was told to update the information by XXXX XXXX and no one can tell me where this information is coming from and how to update, they dont even know. Is this legal for them to do this ... ... 
Could you please investigate. I should not be denied credit based on information coming from public records. Who keeps these records updated, where is the information coming from thats put in these public records.
Hello, We have our home mortgage serviced by Caliber Home Loans ; XXXX. XXXX XXXX XXXX, TX XXXX, toll free ph # XXXX 
Starting XX/XX/2018 onwards I was surprised to find out there is a new {$3.00} service charge for making XXXX time online payments via your own bank. I have had my mortgage serviced thru Caliber Home Loans since XX/XX/2013& have always made one time online payments without any fees & never been late. To avoid the fees I need to enroll into a automatic monthly recurring payment. 

Can banks charge fees randomly at any point? I feel this is unfair practice & I got no option other than enrolling into their auto pay which I am not comfortable.
I have two issues. 
I have a credit card with Bank of America. I put in a change of address with them. I did not receive my bill and received a late fee. I subsequently paid my bill. I requested that they waive the fee and they turned me down. As a XXXX I complained to investor relations and they notified a debt collector who sent me an email yesterday.
I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Dept of Education/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
I sent Money through My Western Union WU Pay Account Number : XXXX and for The Receiver Country The Money is on Hold.
Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. 

Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours
I purchased the bluebird card and loaded a {$190.00} on XX/XX/XXXX. 
I tried to use after I bought it and couldn't, so I went back to XXXX and spoke to a supervisor and store manager and they said it had to be on your end. 
Because my receipt showed it had been scanned upon purchase and loading the {$190.00}, that I had to call Bluebird/American Express. 
Bluebird shows it's an invalid card ( was not scanned appropriately ). 

I have called at least 40 times and I have spoken to 8 or 9 supervisors and also spoke to XXXX in prepaid resolution dept and his supervisor. I was given an email address to forward documents for resolution and would get something in the mail within 5 to 7 days. 
Because the 3 fax numbers that had been given to me, I was continuously told they didn't receive my documents. 
After emailing on XX/XX/XXXX to XXXX I called back 2 hours and verified docs were received and spoke to XXXX supervisor and was told they had to forward documents on to the group that handles my type of complaint with the card. 
I emailed documents on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. 
I asked for an update and to no avail. 

I'm still waiting, no update or communications.
I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXXXXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX & XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX {$190.00}
First, I sold my home and used the proceeds deposited into m y Citibank checking   account to make multiple online payments to credit card balances at other institutions usin g Citibank 's online bill pay. Citibank closed my checking account within the week. 3 months later, Citibank closed my credit card account, which I have used frequently for 9 years. I always try to maintain my credit limit utilization to under 80 % to the best of my ability. I have diligently managed my balance with Citibank over the years and never missed a payment. Citibank closed my credit card account and they are not providing me with any phone numbers for additional details. I have to hand write a letter to a P.O. box to even get any details about why my account was closed.
TransUnion has denied my request for a annual free credit report and wants sensitive information of my SS number, driver license, utility bills etc. Both XXXX have provided the reports without issue. All information on the standard form was consistent with my personal information and adequate for the two bureaus but TransUnion wants more. I refuse to give out more information.
US GAO fund created by XXXX XXXX with NASA XXXX XXXX  XXXX XXXX, XXXX, VA XXXX. She steals information using the XXXX database to commit life securities fraud with the Social Security Administration and communicates with the IRS to have fictitious documents sent. She organizes check fraud and federal mail fraud crimes with the USPS. 
Attempt to transfer the government fund using my old social security card and Underwriting Formal Disclosure notarized by XXXX XXXX on XXXX2017 with PNC Bank located on XXXX XXXX XXXX XXXX, XXXX, VA XXXX to advance funding for unauthorized use of XXXX XXXX VA tag XXXX and purchase of condominium with the XXXX XXXX XXXX XXXX located in XXXX, VA, XXXX XXXX XXXX ( attempting to purchase properties between {$26000.00} to {$250000.00} ), and XXXX ( attempting to purchase properties between {$95000.00} to {$160000.00} ). Also, she is assisting the builder of the XXXX XXXX XXXX XXXX to sell homes and pocket {$550000.00} with the purchase of two {$400000.00} homes based on Commercial Liability Insurance with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with a total value of {$800000.00}. Realtors that I have been communicating with are stating that the properties I am interested in are under contract. However, they are using my information, funding, and creation of fraudulent documents to purchase properties which is against the law and a premise for a stolen identity lawsuit. Business License Fraud with the City of XXXX  Commissioner of Revenue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I am a victim of identity theft happened XX/XX/XXXX. My wallet was lost and inside were my ID, social security card and birth certificate among others. 

This company Prosper Marketplace, based in XXXX CA, allowed someone to take out a fraudulent loan in my name for {$30000.00} in XX/XX/XXXX. I spoke to my local police to file a report, but they told me since I could n't prove it happened in their jurisdiction, no report could be file. 

They instructed me to contact the credit bureaus and they could help. So I did and told them this was a fraudulent account, they did n't remove the account. I have disputed this account many times, but it never is removed. 

So XX/XX/XXXX I contacted Prosper Marketplace directly by 1st class mail. I 'm sure they will say, they never received the letter. I told them this was a fraudulent account ; and I requested copies of the loan contract/agreement, so I can compare the signatures. As, I know it would n't be mine, because I have never got a loan from Prosper Marketplace, I had never heard of them. They never replied to the letter or sent me the requested documents. So I disputed the fraudulent account again, and yet it was n't removed from my credit reports. 

So XX/XX/XXXX, I wrote Prosper Marketplace again and again asked them for copies of the loan agreement/contract, so I can compare the signatures. Of course they will say they did n't receive that letter either. No reply from them and no copies of loan agreement/contract sent. 

I had did a free 15 minute consultation with a lawyer. He told me once i receive copies of the loan agreement/contract with the signature, to go to a notary and do a notarized affidavit of forgery, and send it back to Prosper Marketplace, with the loan agreement/contract, and this would be proof that I did n't take out the loan, or sign the loan agreement/contract, and Prosper Marketplace would remove the account from my credit report in 30 days as per the FCRA. 


Today is XX/XX/XXXX and I have still have not received copies of the loan contract/agreement. The reason ... it does n't exist, as I never signed any loan contract/agreement with Prosper Marketplace, never applied for or received a loan from Prosper Market Place, a fraudulent account How can a company be allowed to place a fraudulent account on a consumer 's credit report without a loan contract or agreement bearing that consumer 's signature? 

Prosper Market Place is violating my Consumer Rights, as well as the FCRA. I am asking for your help, to make Prosper Market Place remove this fraudulent account from my credit report. Prosper Market Place, Acct # XXXX ....
My Lender Loan CarXXXX, did the annual review of my escrow/impound account and found there was an overage of {$110.00}, the statement showing this is dated XX/XX/XXXX. 
Then I receive a Statement dated XX/XX/XXXX which states now their is a shortage and Increased my payment {$3.00}. 
On XX/XX/XXXX after I had received the overage check I called Loan Care and said I would rather leave the money in the escrow account so as to not increase my monthly payment and gave them the money back, confirmation # XXXX. 

Then I receive the monthly statement dated XX/XX/2018 which says my payment has increased by the {$3.00}, I called Loan Care to inquire about the payment not increasing because I gave them the {$110.00} back and was advised that would do nothing to reduce the payment. This whole process does not make since, I would rather the lender keep any overage or give me the opportunity to pay any shortage rather than increasing my payment. 

This seems like extra work on everyone 's part.
To Whom It May Concern ; The following credit Bureaus were negligent to remove a derogatory account '' Experian, XXXX and XXXX ; which is XXXX account # XXXX in which I have disputed on several occasions ; these bureaus were unable to provide me with original documentation with my signatures.
All three major credit bureaus ' have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act,  all 3 credit bureaus ' violated all privacy rights and allowed personal information to be leaked, due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus ' maliciously and collectively shared this Consumers personal information to make trillions of dollars, by selling it to various debt collectors, employers, financial institutions and a host of others. My wish is for the Federal Trade Commission to demand, on my behalf, that all 3 credit bureaus ' remaove all of this Consumers social security numbers, date of births, financial accounts, or credit/debit card numbers, drivers license numbers, detailed health, or medical history, or similar sensitive information. All relations with these 3 credit bureaus ' are now in question for reporting fraudulant information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars, from all 3 credit bureaus ' for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the CFPB.
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Ever since Navient took over for XXXX XXXX I have had issues. Navient has talked me into forbearance and defferment for years. Now my loan has majorly increased. I can not pay my loans due to making hardly any money. They give me no options but to keep putting it off. I recently went into a state with no forbearance time left and they gave me no other options but to consolidate. I see University XXXX XXXX has been sued for fraudelent claims to get loans and now Navient too? I would like to know what my options are at this point because I am drowning with no choice. Both being sued makes me feel as if I was totally in the middle of fraud. University XXXX would not allow me to finish my last XXXX classes to even finish my degree.
I HAVE TRIED TO CONTACT THE COMPANY FOR INFORMATION AND BALANCE, IT IS NOW WITH AN ATTORNEY COLLECTION AGENCY AND WE HAVE SENT XXXX CERTIFIED LETTERS REQUESTING THE SAME AND WE CONTINUE TO KEEP GETTING THREATENED WITH A JUDGEMENT AND WE HAVE SHOWED UP IN COURT SEVERAL TIMES AND THEY ONCE HAVE N'T SHOWN, WE CONTINUE TO CALL AND EMAIL WITH NO RESPONSE EXCEPT FOR A SEE YOU IN COURT
The accounts XXXX  XXXX XXXX and XXXX  XXXX were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up.
Wells Fargo force-placed flood insurance on our property despite the official XXXX map showing the structure is outside of the flood zone. WF has stated multiple times that they ca n't show me the required flood determination because there is nothing on file. They want a LOMA ( letter of map amendment ) from XXXX, which XXXX is at a loss to provide because the map already says our property is outside of the flood zone, so there is n't anything to amend. Over the past six months, I have spoken with at least a dozen people at Wells Fargo, none of whom can provide anything they are required to provide, but they continue to charge me an extra ~ $ XXXXmonth for flood insurance. The promised resolution date has gone from mid XXXX, to XXXX XXXX, to XXXX XXXX, and is now XXXX XXXX. Current resolution specialist insists that she has never worked with me before XXXX, despite a phone conversation in XXXX, and insists that another resolution specialist whom I 'm working with does n't exist, despite the fact that they are contacted through the same XXXXnumber.
To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.
I am a longstanding Bank of America, XXXX XXXX holder. What legal merchandise I choose to buy with any of my credit cards, bank accounts, or cash is my business, not that of any financial institution. BofA recently announced that they would block/disallow purchases of firearms that their customers in good standing attempt to purchase legally using their cards ... unbelievable! What's next? Monitoring our statements to see if we've purchased adequate amounts of brussel sprouts in the previous months? And to make matters worse, this is the same BofA that received taxpayer funded bailouts during the last presidential administration when their many Collateralized Debt Obligation investments imploded on them. As a customer of standing on this issue, I ask that this complaint, and others like it, be pursued with all possible enthusiasm. I, and others like me, are watching, and anticipating remediation, of this attempt at extra-constitutional behavior in America 's financial sector.
I contacted American Express to close my credit card in XX/XX/XXXX. I did not realize the card that required a complete payment of the balance each month. I was laid off from my job and this became difficult. I reached out to AE numerous times to ask for a payment plan and was rejected, so I requested the card be closed and I informed them that I would still pay on it. The card was not actually closed until XX/XX/XXXX. However, AE still was charging me a monthly late fee of {$38.00}. The late fees should not have been charged on a closed account. I requested the account to be closed in XX/XX/XXXX. 

AE also keeps updating my credit to show that I am recently 30-plus days late, which is entirely untrue. I feel they are purposely trying to sabotage my credit, as each time they update this account my credit score significantly drops. 

I have disputed this falsely reported account numerous times through the credit bureaus and AE always verifies the information as inaccurate. They fraudulently charged me late fees, are intentionally sabotaging my credit, and refuse to report the accurate amount owed. 

I obtained an American Express card because I was under the impression that their customer service was top-notch and my experiences here have been very disappointing. 

I have attached a statement from XX/XX/XXXX. Thank you.