WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen?
XXXXSOC SEC # XXXX DOB XXXX XXXXTo Whom it May Concern : Equifax XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 
Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXCompany Information XXXX : XXXXDate of Inquiry XX/XX/XXXXCompany Information : XXXX BANK Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXXX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XX/XX/XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXXSOC SEC # XXXX DOB XXXX XXXX
We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX ),  XXXX/XXXX XXXX, US Bank, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with US Bank, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to Target, XXXX, US Bank, and XXXX. Along with having a full time job we also own an XXXX  business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
I had made a payment with my credit card to settle the debt owed. I have sent a copy of my credit card statement to ERC Collections showing my payment but they say their system shows no payment. They have wrongfully reported this to the credit bureau even though I have paid.
XXXX credit card ( chase ) was close because of a late payment, I would to see if I can open this card again
this was a XXXX XXXX XXXX credit card opened XXXX/XXXX/XXXX which I defaulted on due to becoming XXXX XX/XX/XXXX and was charged off by XXXX XXXX XXXX XX/XX/XXXX. After other debt collecters the company by the name of Cavalry, XXXX XXXX XXXX, XXXX, XXXX XXXX purchased it XXXX/XXXX/XXXX. They called my cell, sent me collection demands over the year. which I can not pay. Now with the Attorney office of XXXX, XXXX, XXXX, XXXX. they are harssing me calls, letters, and a Civil Suit in XXXX Couny, XXXX. They have paper servers at my door which I requested for them to have the Sheriff serve me and go away. And I need assistance from your office to help me get this harassment done. I 'm willing to face them in court to resolve the suit. Which I feel is a charged off XXXX XXXX XXXX debt from XXXX when I lost my home in XXXX and all my credit. I 'm living on social security and a small pension and just get by month to month.
I called a month and a half ago and asked to plesse stop my automatic payments. I paid half the bill but I ran our of money. I said I would call to set payments back up in the future. I looked at my account and they took money anyway.
I have several student loans from dept of education  XXXX  that are showing late payments. My loans were in deferment and I have never had a late payment. This is messing up my credit by reporting that I have several late payments.
I lost my wallet last year. Since that time I have had XXXX inquiries appear on my Experian credit report. I first called Experian in XXXX of 2016 when discovering the issue and they told me it was nothing that they could do and that I would have to contact each company that put an inquiry on my Credit Report. I did that and each company directed me back to Experian. So on XXXX XXXX, 2016, I called Experian to report it as fraud and the representative at Experian stated that they would put a fraud alert on my account and handle the inquiries. I pulled my report today to find out that they only did an investigation of the inquires and did not remove them. The inquiries are fraud and should immediately be removed from my report.
XXXX XXXX HAVE BEEN CALLING MY BUSINESS PHONE REGARDING A FALSE IMPORTANT MATTER. I HAVE NO CONTRACT WITH THIS COMPANY AND THEY NEED TO STOP CALLING MY BUSINESS PHONE. THEY HAVE CALLED NUMEROUS OF TIMES FROM DIFFERENT NUMBERS. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL REGARDING ANY IMPORTANT MATTER FROM THIS COMPANY.
In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered XXXX XXXX, XXXX ( XXXX '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for GE CAPITAL RETAIL BANK. 

I mailed a XXXX a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from XXXX XXXX, XXXX stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). XXXX XXXX, XXXX failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by XXXX XXXX, XXXX with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.
I am contesting Wells Fargo Home Mortgage ( Wells Fargo, N.A., Wells Fargo and Co., and the Bank ) decision to foreclose on my primary residence on XX/XX/XXXX, more specifically, loan number XXXX. My mortgage servicer, Wells Fargo did not properly provide me with a written notice within five days ( excluding Saturdays, Sundays, or legal holidays ) after the Bank received my complete loss mitigation application which is mandated by Consumer Financial Protect Bureau ( CFPB ) XX/XX/XXXX mortgage rules and subsequent amendments published by not only the CFBP but also the OCC and FRB. Furthermore, Wells Fargo did not properly deny the completed loss mitigation application I submitted to the Bank. 

Wells Fargo conducted an illegal sale of my primary residence which is clearly a violation of consumer financial laws. 

Although I offered to make a partial mortgage payment, Wells Fargo wrongfully foreclosed on my primary residence. I applied for multiple loan loss modifications and Wells Fargo did not perform a reasonable review of my completed loan modification application specifically, my complete loan modification application that I submitted to XXXX XXXX on XX/XX/XXXX. XXXX XXXX also confirmed that he received my completed loan modification application on same day. XXXX XXXX, Executive Home Preservation Specialist assured me that my home would not be sold and my application would be reviewed. However, Wells Fargo wrongfully auctioned my primary residence on XX/XX/XXXX. 

I am requesting that the CFPB conduct a full investigation of Wells Fargo Home Mortgage servicing practices from XX/XX/XXXX through XX/XX/XXXX in order to uncover Wells Fargo unfair, deceptive, or abusive acts or practices ( UDAAP ). Frankly, this Bank has and continues to commit wrongful foreclose acts against not only me but also against XXXX other U.S. households. 

As the world renowned XXXX XXXX XXXX XXXX, XXXX so eloquently stated decades ago " injustice anywhere is a threat to justice everywhere. ''
Atten : Specialized Loan Servicing Please verify and confirm that the Note Custodian you refer to in previous communications through the CFPB as holder of Original Documents for XXXX XXXX XXXX Home equity line agreement and Disclosure statement is " RECON TRUST ''
I settled my mortgage account in XXXX 2014 as agreed on between me and my mortgage lender. As of date my credit report is reflecting that my last date of payment was made XXXX 2014, and that I was delinquent several months after the final payment was made. I have continuously disputed this information under the FCRA with the credit bureaus yet the creditors keep verifying that the information is accurate. I then disputed the information with the creditor Citifinancial and they refuse to change the information to reflect the date of my last payment. They are not reporting accurate credit information. 1. The date of last payment is wrong 2. I ca n't be late on an account after it has been paid
I have had checking/savings accounts at J. P. Morgan Chase Bank since it was Washington Mutual. I paid all my bills electronically for years, but this year I began getting charged insufficient fund fees while having overdraft protection. 

Upon my investigation, I noticed Chase began deducting funds on the day I paid my bills instead of on the scheduled due date ( e.g. most bills arrived on the XXXX and weren't due until the XXXX of the following month ; but Chase deducted the funds when I entered them on the XXXX ). They claimed I needed to ensure I selected the " pay by '' instead of the " send by '' date. I ALWAYS selected the " pay by '' date. Also, when I checked the status of the payments they deducted from my account, they were all " pending. '' I was constantly transferring funds from my savings to cover the fees and funds they claimed weren't available due to their premature subtraction of " pending '' funds. I felt like I was hemorrhaging money and began ignoring their insufficient fund notices for bills due on the XXXX because my pension and SS checks arrive between the XXXX and XXXX of the previous month. 

I had to resort to paying bills via check or credit card. There's something very, very wrong with this practice. It seems that due to past bad acts, Chase is looking for any way to collect funds from its customers. If I hadn't set up alert notices, I may not have become aware of these insufficient fund charges. I wonder how many other Chase customers, as well as customers of other banks, have been deceived by this practice.
Over the past few months, I have received countless calls from unknown and random numbers. When I answered the call, it is a computer voice saying that my social secruity number has a debt collection on it and I need to call a number. When you call the number, the person that answers asks for your name and social secruity number. Obviously, I thought it was fake and I didn't give them my person information. Over the weekend I received a XXXX alert saying that I had a debt collector after me. XXXX XXXX   provided me the name of the debt collector, Hunter Warfield. I called the company and talke to an extremly rude person that told me I was lying ( I told him I didn't have outstanding debt and I wasn't sure what this was all about ) and demanded my social secruity number. Again, I didn't give him it. I did give him my first and last name and the last XXXX of my SS. This gave him enough to tell me my old apartment complex, XXXX XXXX XXXX, filed for a debt collection because I apparently didn't pay to break my lease ( which I 100 % did pay on time ). The guy at Hunter Warfield told me to fax them proof of payment, which I just did. I have an email confirmation from XXXX XXXX on XX/XX/29 saying I payed the full amount and it also shows I have a Zero Balance. Now what? XXXX XXXX XXXX inaccurately reported debt information on my credit report. A debt collector has been harrasing me for months now, they have been disrupting my work life, and they really disrupted today 's work. I felt compelled to reach out to the CFPB because I don't have the money to get a lawyer and now I am worried that my credit has been negatively impacted. I also don't know if I this is settled now that I have shown the debt collection company that I payed.
sunrise credit services reported debt collection to the credit bureaus on XX/XX/19 I have sent a request for validity of this debt with no response from this company I have never done business with them and I don't owe this debt
I Contacted ERC ( Enhanced Recovery Company ) Asked for a debt validation request some me i own the debt. All I received was a screenshot of a bill I know nothing about. I asked them to provided me something in written saying I own or signed up for this debt and they could prove nothing. This debt need to be removed from my credit ERC nor XXXX  could provide me with anything In written with signature Stating I Own or agreed to this debt.
Re : STELLAR RECOVERY, INC ( Collection company ) refused to Verify and Validate of Purported Debt pursuant the Fair Debt Collection Practices Act ( " FDCPA '' ), as stated in XXXX XXXX XXXX, for partial Account Number : XXXX, - hereinafter referred to as " Account. '' Dear Sir or Madam : On XXXX 2016 I found out from my credit report that STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX put a collection in my Credit report. On XXXX XXXX 2016 I sent XXXX letters to the STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX with attention to Dispute Department, to XXXX XXXX and to XXXX XXXX via XXXX XXXX Mail ( enclosed ), but all above people are refused to provide me with the copies of the requested letters which they should sent me before STELLAR file a collection with the XXXX and XXXX ( " credit bureaus '' ). Also, in XXXX STELLAR verified above account with the above credit bureaus. 

On my first request of verification ( enclosed ), I requested from the STELLAR to provide me with all copies of letters which STELLAR should sent me before they file/put negative marks on my credit reports with the XXXX and XXXX ( " credit bureaus '' ) by FDCPA law. But STELLAR refused to provide me any of requested copies. Now, I am demanding if STELLAR ca n't provide me with those copies, then STELLAR must to DELETE above account from the Credit Bureaus within next 15 days with the written confirmation. 

I would like to ask Consumer Financial Protection Bureau to help me to put STELLAR and above names to the investigation list, I believe ( based of the complaint from the XXXX ) that I am not the first person who was harassed by the STELLAR. 

I hope that Consumer Financial Protection Bureau /Representative will be able to successfully resolve my collection reporting issue. Thank you for your help.
I did not authorize a web site to perform multiple credit inquiries with several companies for an auto loan. I completed their application online but when I got to the part to authorize them to perform the service, I ended my application. They then went ahead and did a credit inquiry with several companies, including XXXX, XXXX, XXXX, XXXX. 

Experian refuses to remove these excessive inquiries.
I sent an International online money transfer using Continental Exchange Solutions Inc dba Ria Financial XXXX in the amount of {$1000.00} ; they charged a {$7.00} fee for a total of {$1000.00}. Since I sent it to my own Bank Account abroad, since I could track the actual amount received by my Bank there, I realize that Ria Financial XXXX did not send the whole amount ; my Bank received {$980.00} and they applied the official exchange rate of XXXX XXXX = XXXX XXXX Dollar. Ria took {$12.00} out of my money and concealed it, using a lower exchange rate of XXXX {$2900.00} = {$1.00} XXXX XXXX. ( XXXX )
Received from XXXX XXXX XXXX XXXX that I had a delinquent account that has been assigned to their office, defaulting me if I did not reply in 30 days. This debt is not mine and I question if the debt is more than 4 years and barred by the California Statute of Limitations. They produced no records or statements indicating the existence of the debt, much less, when, if any, debt was incurred.
GM Financial has reported me late for my lease payments on XX/XX/XXXX and XX/XX/XXXX. I called GM and spoke to a representative on XX/XX/XXXX and informed them they falsely reported me. The Rep told me I was reported late for ELECTRONIC Payments XX/XX/XXXX and XX/XX/XXXX, I told the Rep my credit report shows me late for only XXXX and XX/XX/XXXX only. I was told to fax proof of payment to GM, I faxed to the Customer Service Common department my electronic payment history of a 12 month period so I could show NO late payments were made since I incurred the lease. I also sent FULL balance bank statements showing all transactions on my account including the payment for both XXXX, XXXX, XXXX and XX/XX/XXXX. GM has not answered their phone line or responded to my fax. I have sent the fax a total of 15 times and still NO response from GM. I filed a dispute XX/XX/XXXX with all 3 credit reporting agencies and included the same 12 month payment history and full bank statements and my dispute was denied for XX/XX/XXXX payment. I need the late payments removed and GM to correct their side of me showing late for XXXX, XXXX, XXXX and XXXX. I have attached below COMPLETE bank statements reflecting my payments for every month so you can see no payments were missed.
Transunion is saying I have had 3 addresses. I have ONLY ever had XXXX XXXX XXXX, XXXX PA XXXX I am going to contact the post office right now too! 
Address Date Reported XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX
Recently I check my credit report and I was shocked to see a collection on my credit report! I have a spotless credit history up until this point. It 's was collection for a medical bill I did n't even know it was in collection. I have n't received any communication from this collection agency. And as far I can tell they made no attempt to contact me about this before reporting it to the credit bureaus. I was totally unaware about this! I have zero information about this collection, other than it was from a hospital visit XX/XX/XXXX.
I received a call on XXXX/XXXX/15 from phone number ( XXXX ) XXXX I asked that they stop calling me. The caller calls back and threatens me on my voice mail message. the message says Hello XXXX this is XXXX XXXX, and I really don 't appreciate you hanging up on my representative here or myself. He then says your coffee pot better be set to XXXX sharp because you will be getting a phone call every single day. You are set here on my list for XXXX including your family, then I 'll contact your job verify employment and send paper work. The caller is calling from XXXX.