WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted numerous times to have the below items removed from my report regarding identity theft. The bureau keeps responding with stall tactics after I have sent my ID, Proof of address and police report.
I have fallen on real hard times after my parents passed away and was not able to pay on a credit card. Well now without notice I received a Judgement against me were it states that they will or can garnish my wages. After I make all my monthly payments I am left with maybe {$30.00} to {$35.00} a month, I also get my food from a Food Bank. I e-mailed them and said that I could pay them {$20.00} a month but not more and their answer was they they rejected my offer. What can I do, if they garnish my wages I will loose everything. I ca n't afford an Attorney and this is really giving me XXXX XXXX XXXX. I will attache documents.
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
I applied for a joint checking account with my fianc. Shortly after applying, USAA sent me a letter asking for identity verification, which I promptly submitted. I never received a response from USAA after that either confirming that my identity had been verified nor asking for follow up information ... .but now when I try to log into my account, it tells me I am blocked. I have called customer service several times but no one is able to tell me what has happened or what I need to do to gain access to the account. My payroll direct deposit will be taking effect soon with my paycheck going into the new account and no way to access my money unless I ask my fianc to access it since it 's a joint account. Please help ... I have attached a copy of my ID to this complaint again.
I called Capital one twice, once in XX/XX/XXXX, and again in XX/XX/XXXX. I called because I was not receiving the rewards points that were shown on the advertisement of the credit card. I was to receive 3x 's the points for using my card on my phone bill, and 5x the points if i spent any on the XXXX XXXX. However i have not received my points, even though i was told the issue would be fixed. I even contacted XXXX XXXX XXXX about the issue who redirected me back to capital one. 

I have attached my bills since XX/XX/XXXX to show my transactions, and prove that i used the card for my phone bill and one XXXX XXXX transaction. I also included my points from XXXX XXXX to show that i am only receiving XXXX point for every XXXX. I also included the advertisement of the card from capital one. 

When I went back to do the math it looks like they tried to fix problem in XX/XX/XXXX and gave me the points i was owed but then the ball was dropped and i was going back to receiving only XXXX point for every XXXX even though i continued to use my card for my phone bill.
On XX/XX/2019 I logged into my citimortgage account to pay my monthly bill of {$1100.00}. According to my lenders citimortgage website, a transfer in the servicing of my mortgage loan has taken place. Big surprise to me. I am unable to make my usual citimortgage payment online and have been directed to contact XXXX. 

Due to my work schedule it has been difficult for me to reach XXXX and upon registering my loan with their website I receive an error message stating that XXXX has no recognition of my loan. 

I was not notified by citimortgage of this transfer. I was not given notice.
Hello, I purchased XXXX phones from XXXX : I was originally with XXXX Bought XXXX new phones and switched to XXXX and ported my numbers Returned the phones to XXXX because the service was not good in our area - returned within the 2 week time period. 
Bought XXXX new phones with XXXX, had number ported back In XX/XX/XXXX I received a collections notice from XXXX in the amount of {$1300.00}. I called XXXX and spoke with a rep ( got bounced around quite a bit ). Finally got to someone in collections. I explained the situation to them. He did see in his system that the devices were returned and numbers ported out. He gave me a case number and said the resolution date would be XX/XX/XXXX. 

On XX/XX/XXXX I received a collections notice from a different collections company regarding the same amount as above. Called XXXX back today XX/XX/XXXX and they said I have to go back to XXXX and have them make a note in their system that the devices were returned and ported back. The XXXX rep said there was no notes in their system showing my prior conversation with customer service. I asked to speak to a supervisor and they had me on hold for 35 minutes - the phone mysteriously hung up.
SIMONS AGENCY continues to harass me by reporting unknown medical debt to all 3 credit bueaus they add several small value allelged debts they hang up on you when you call them I have no knowledge of these bills this is obviously fraud
This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on XXXX XXXX, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. XXXX XXXX is showing last payment of XXXX, XXXX and XXXX  is showing XX/XX/XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with XXXX via XXXX XXXX, which XXXX never replied to.
The US bank continues harassing me with telephone calls demanding verification of my retirements funds which is simple unacceptable. On XX/XX/XXXX @ XXXX I received a call from XXXX XXXX ( XXXX ) XXXX XXXX demanding verification of my income. The funds are electronically deposited to my checking account since XX/XX/XXXX ; consequently, the US Bank continuously telephone calls demanding verification of my income is a desire to harass me which inflicts severe emotional distress. The US Bank have all information kept in files. Additionally, the US Bank have the option to communicate with me via e-mail. This type of harassment needs to stop immediately.
On XXXX, XXXX, 2015 I sent for my mother in XXXX {$290.00} by Western Union. 
On XXXX, XXXX, 2015 my mother could not pick up the money because happened some mistake. So, I called Western Union reported what was going on and they said that in 9 business day they would give me an answer about an investigation on the case that they would do. 
They took around 3 weeks to give an answer after many attempt mine. 
On XXXX, XXXX, 2015, after words, they recognize that happened a mistake and they would refund the money for receiver - which was my mom. They gave me a new tracking number, as well. My mother just went in the bank and the money still not available for pick up! 
There is more than 30 days that I am trying solve it and they just say that the money is available, when it is n't! Or they say for I just wait more 3 business days!! XXXX WHAT?? ) It looks like they are just gaining time for I loose my rights!!!
i started to use coinbase from 4 months and everything was fine untill one day i deposited XXXX $ and the deposit was complete after that i tried to buy some cryptocurrency from then and they asked me to verify my account and the verfication included home address, name, SSN, and job title. after providing all the informtion needed i was told that they can not locate my Id then i send them a copy of my documents SSN and bank statment and driving license they replied that they can not solve it manually and they are using a third party and to keep trying untill i solve that quiz.I have been trying to solve it for a month now with no result.now i need to get my money back which is XXXX $ as i used XXXX $ for purchasing some cryptocurrency before having this problem.now it looks like they can not help me by anyway so i am asking for your help. 

thank you in advance
I received a phone call 3 years ago stating I had a loan with XXXX XXXX for {$750.00}. I explained to them I had never applied for a loan with them. They informed me I didn't apply that they mailed me a check for {$750.00} to an old address and someone signed it cashed it so now I owe a balance. I reported this as fraud and informed them in writing that I didn't live at the address or sign a check from them. I also requested the item be remove from my credit report verbally and in writing. As of today it's still on my report and I have been going through this for 3 years. Please help me resolve the fraudulent account.
My debit card was compromised the week of XXXX. I made the decision to close my accounts. About XXXX I removed all my funds and closed my savings account. I requested no further transactions be allowed until the final fraudulent charge of {$5.00} was cleared. My account should have also been marked to not let any charges through if there were insufficient funds as this is ALWAYS the option I choose. 

A charge from my electric company was allowed to go through and the fees began. Including a fee for trying to transfer funds from my checking to my CLOSED savings. 

On XXXX I noticed the issue and called. All the fees were waived and I was going to pay the funds for the charge of {$84.00} the next day. But more fees were added that night. I went and paid the {$84.00} as agreed and was told my account would be closed. 

Now more fees have been added. I had one autopay from XXXX XXXX that I had not realized needed to be moved. But had the account been closed in late XXXX as requested it would n't be an issue. The balance is - {$88.00}. I have tried multiple times to resolve this issue over the phone. The last call with a supervisor was disconnected and I was not called back. I do not feel I should have to call again and explain again. I want my account closed. I feel that Compass has acted punitively for me trying to close my account.
Regional Acceptance Corporation effected a predatory loan against me, charging me both 18 % Interest as well as Compound Interest. I requested assistance with my XXXX Payment when my pay was affected by my reportage of VA Violations to Congress in XX/XX/XXXX. My original loan was eliminated and I was charged XXXX per month. In lieu of working with me they used my good faith against me to charge me more, when I made a legal good faith payment as I could not afford to continue with the XXXX Payment .XXXX XXXX of the Regional Acceptance Corporation office in XXXX Texas CLOSED my XXXX account, disabling my ability to pay, reported my account as 'Charged Off '' on My Credit Report. When I complained to the State BB & T their general insurer Responded in a Letter and via the internet stating that they would NOT refinance me nor would they repossess my vehicle. Unable to live with this situation I returned the vehicle in a Voluntary Repossession XX/XX/XXXX In XXXX Texas. 
I desire that all record of this company and their " debt '' be deleted from my credit report. 
I also want to seek damages via their General Insurance Provider, But BB & T refuses to give me a copy of their General Insurance certificate as of this writing.
Contacted Citibank from XX/XX/XXXX to current date pertaining to inaccurate information on XXXX and XXXX reports. Also contacted XXXX and XXXX regarding issues but they refuse to correct eventhough I have provided documentation. 
Citibank per credit reports closed account in XX/XX/XXXX, account was then amended and made into an installment account in XX/XX/XXXX. A letter was sent by Citibank to me pertaining new agreement but when I contacted Citibank pertaining to letter information I was told that not all the information on letter pertains to me and I should disregard any information not pertaining to me since letter is generic except for payment amount and terms. 
Citibank refused to report new agreement information to credit bureaus and continued to report as late. Payments made on new installment agreement were reported as X, NR or LATE XXXX and XXXXx refuse to update information which I provided and showed account was closed and made into an installment account in XX/XX/XXXX with first payment due XX/XX/XXXX.
On XXXX XXXX Dynamic Recovery Services reported a debt that is over seven years old to XXXX. It is my understanding that after seven years a debt can not be reported to the credit bureaus. The statue of limitations for debt liability in Ohio is six years. I would like this removed from my credit reports immediately.
I was alerted by my credit monitoring that a collection account was placed on my XXXX XXXX credit report indicating I owed XXXX XXXX XXXX for XXXX. I have never had any type of service with XXXX XXXX XXXX. When I contacted the collection company, Enhanced Recovery Company ( ERC ), I was told that the address on the account was XXXX XXXX XXXX. I have never lived at that address. ERC never attempted to contact me in order to resolve this situation before it was unlawfully placed on my credit report. My address is XXXX XXXX XXXX XXXX Ga, XXXX. This has been my address since 2003. I attempted to explain this to ERC and the representative was rude and could not provide me any documentation to support their claim. I then contacted XXXX and they stated they had nothing on file with my social security number, and I did not owe them. I again contacted ERC to explain what XXXX XXXX XXXX told me, however once again they did not provide me any documentation to their claim. I asked to speak to ERC 's research department and they stated they would not contact me.This has come at a time when I am in the process of Refinancing my mortgage. ERC has violated my rights and will cost me financially by illegally reporting a collection account which they have fradulently reported to the credit company.
PDM is reporting on my credit report that they charged off the account, but I have been paying them every month for the last 4 years and 8 months.
XX/XX/2018 I closed my checking account with Bank of America - He had me get 2 cashier checks for {$4000.00} he told me to separate the top part from the bottom & put them in different places in case the checks were stolen. He said if they were stolen that I could get them cashed with the check stubs. 

That night I left them in my pant pockets when I went to bed. In the morning they were missing - the only objects stolen in my apartment. 

Now they won't put a stop payment on the checks or honor the debt
On Monday XXXX XXXX, I received an email from the chairman ( it was her full name but turned out it was n't her ) of the small non-profit company I just was elected Treasurer to transfer {$2400.00} to another Chase bank account ( ours is a Chase account also ) in another city. The email had her full name and my name and email address. I went to the XXXX, WA bank branch and made the transfer. The woman helping me even commented the routing address the transfer was going to was in a different state than the address on the email. But it went through. Later that evening I was talking to the chairman and she said she did n't send the email. I then called the Chase Fraud line and was told ( after being on hold a few times and passed around to different departments ) that because the transaction was made by me in the bank ( as opposed to being done online ) that they could n't do anything and I would need to call the bank in the morning. I called again later to see if they could at least stop the transaction since they told me it still showed pending and I gave them the whole account number, I was told they could n't do anything with the funds until they had been deposited in the transferred account without contacting the owner of that account. This was the person who was swindling the money! Of course they are not going to refund it!! So I called the bank this morning as soon as they opened and the woman who helped me said she would call her fraud dept. and get back to me. When she called me back she told me they would not cover the funds because I instigated the transaction. ( Even though I tried calling before midnight to try and stop the transaction! ) I have attached the email I received with the account info and name the funds were transferred to.
XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report two obsolete credit card accounts. The XXXX XXXX XXXX ( XXXX XXXX ) credit card is account number XXXX and XXXX XXXX XXXX Credit Card ( XXXX ) XXXX. <P/>Both of these XXXX XXXX XXXX accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with XXXX XXXX XXXX with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. XXXX XXXX XXXX has furnished the date of default as occurring in XX/XX/XXXX to Experian - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from my credit report.
I started off with a fixed XXXX to XXXX interest rate on my private loans. Over the last several years they have raised that interest to XXXX and XXXX. 

Additionally, more than XXXX % of my payments go to interest and hardly makes a dent on the principal. 

Ive paid off two smaller loans totalling $ XXXX. And managed to hit just $ XXXX which hasnt moved for several months because of how navient chooses to disperse my payment on interest versus principal. 

My payments to navient have varied from {$590.00} down to {$490.00} a month. 

Thats easily $ XXXX a year that I pay out of a $ XXXX salary. 

Thank you for your attention. I hope to hear from you soon.
There was a collections account on my XXXX report from Diversified Consultants on a debt that is n't mine and I do not owe. XXXX XXXX  removed the collections account using the dispute process outlined by the FCRA. The account no longer appears on my credit report with XXXX. However up to this point it never appeared on my XXXX  report - today I noticed that it was added.
They were not able to produce the proof that this was a valid debt to XXXX and were forced to remove this record from that account and now instead of just leaving me alone they added this false debt to another bureau 's report. I do not think this is fair, and I question if it is legal. I wish to have this erroneous record removed and to ensure that it never appears on any of my credit reports again.
This was an email received from Equifax on XX/XX/16. I have not received any emails or contact from this company since then. 

Furthermore when asked who they were overscene by or regulated by they play dumb. 

Dear XXXX XXXX, We are continuing to process your recent dispute ; as a reminder, it may take up to 30 days to complete your dispute from the date you submitted to Equifax. Your estimated completion date is XX/XX/2016. We will continue to keep you posted on the status of your dispute by sending periodic email notifications. 


Track Anytime! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX
XXXX XXXX XXXX is claiming that I owe them {$490.00} on a XXXX bill that I have no knowledge off, I try to explain to the company that I I do not own this account and they have no proof that this debt belongs to me They are refusing to remove this collection account off my credit report.
Transunion does not show last day payment for " XXXX XXXX XXXX '' account. I am request that Transunion deleted this off my credit report.
Hi, I was contacted by Premier Holdings saying they were collecting on a very old debt. I do not recall this debt as it does not show up on my credit report and is almost 10 years old.

The company threatened legal action, wage garnishment, and 180 days in jail as well as court and legal fees.

I have received nothing in writing from this company or any documents from local courts.
I had CDs on the other ( outside ) side of the bank ( XXXX ) that paid a better interest rate with a custodian ( Cetera ), whereby they opened and moved those assets to Raymond James Financial that I did n't request, The service was inappropriate, was stated soon to be a floor of {$500000.00}, and that a transfer fee to an existing other ( TDA ) account would be " waived ''. The account annual fees were substantially higher, and the transfer fee was not waived, I was lied to, feel that the entire process was an act of fee engorgement and account churn for the institution, and not the client.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

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