WillisBack/dataset-financial-user-claim huggingface dataset:
I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. 
MT BANK 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 XXXX XX/XX/XXXX I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.
On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to XXXX : XXXX XXXX XXXX XXXX XXXX, TransUnion : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to XXXX  : XXXX XXXX XXXX XXXX XXXX, TransUnion LLC  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX , I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.
A loan unknown to me, because I never pulled a private loan was sent to collections and marketed my credit score. XXXX XXXX XXXX is claiming a {$15000.00} in collections from a loan I pulled 2years ago. I have been out of school for over 10 years, paying all and any of my loans through XXXX. I feel as if this is fraudulent and needs investigated. Please help. 
XXXX
XXXX XXXX XXXX XXXX continues to report false and inaccurate information on my credit report that I owe {$240.00}. I have disputed this account multiple times. This is not my account. I never used any services from this company. I am entitleded to a fair and accurate report.
XXXX became NAVIENT, who then put chargeoffs on my credit report. This has brought my credit score below XXXX points. Furthermore, my loans are XXXX times less with out interest before the chargeoffs. So instead of owing $ XXXX, I owe $ XXXX with interest, in default, with chargeoffs. I did n't even get a degree, nor did I have a GPA that merited any type of funding, as, I failed out of school, immediately after I got these loans. Now I finally have the focus to do well in school, and I have even made the Deans list but I can not afford to finish school. I want them to take ff the chargeoffs whether I pay them or not. When XXXX could n't pay, they did a name change not a IRS administered chargeoff on their FEIN. Why should I have a chargeoff on my SSN?
The office of XXXX XXXX has been contacting me over the past 3 months first claiming they were ready to go to court over a debt with the real yellow pages from XXXX after asking them to produce documentation of this debt they sent a unsigned contract with no history of payment or signatures to verify this debt XXXX XXXX was not the originators of this supposed contract and can not produce proper evidence of any contract being entered into I have explained my mental and physical issues with them and have requested they stop contacting me over this obvious scam for the amount of {$540.00}
Complaint # XXXX has all of the details. Please reference that. U.S. Bank was supposed to send me a Visa gift card worth {$100.00} to make up for my aforementioned complaint, and instead they sent me a card with only an {$85.00} balance.
XXXX XXXX XXXXXXXX and Citigroup is restricting the lawful purchase of firearms and equipment and refusing to loan to businesses involved in firearms for their livelihood. They don't have a problem with the guards carrying firearms when it comes to protecting their money and property. 
These banks didn't have a problem taking bailout money from taxpayers that were involved in forearm sales and manufacturing, They didn't care where it came from then as long as they got what they wanted. 
This practice runs counter of our Constitution and Bill of Rights. By implementing this type of fascist policy we can see how easy it would be to slowly erode any purchase of firearms and requirement.

Banks are in the banking business to provide a service to lawful citizens not to implement policies that undermine our Constitutional rights.

What is next? Do banks get to decide what kind of books a person can purchase? Or maybe they only want a person to buy a XXXX instead of a XXXX? 
Respectfully, XXXX XXXX XXXX
ProCollect was notified in XXXX, 2017 that I wanted verification of the debt. When I contacted ProCollect, they stated they verified the debt themselves and would not provide me any proof. They stated all they needed to do was call the client. XXXX XXXX, a collections assistant manager is at extension XXXX. She also threatened to notify third parties. This was all on a recorded line.
I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money.
XXXX funding is currently reporting an old XXXX collection account 120 days late as of XXXX 2015 on my credit report. I have never made a payment on this account with XXXX therefore i can not have a payment history nor did I sign a contract with the original creditor. I called midland to dispute this information and I was told they do not report as late on credit report. I disputed the inaccurate information with Equifax and equifax said that XXXX validated the information. XXXX and equifax refuse to move the 120 day late on XXXX 2015. I have been back and forth with XXXX and Equifax and neither are helping. It is my understanding that collection agencies are not allowed to report monthly late payment history therefore I would like this deleted from my credit report because it is inaccurate. I would like XXXX and Equifax to provide me with all documents relating to this account, all payment history, original contract and NOT use the XXXX verification process as it is not detailed. I am attaching files showing that XXXX did indeed report the lateness andit is not accurate. This has been causing me numerous problems and I would just like to get it settled
I told this company to stop calling me. They have called me over and over and even my employer. This company has even went to the point of calling me where it shows up as unknown on my cellphone. It is starting to be annoying and I feel like I 'm being harassed by this company.
My account with XXXX for {$85.00} was paid in full on XXXX XXXX. They have put in a delete request with Experian XXXX times, once in XXXX and again in XXXX of 2015. They have confirmed that the debt is paid in full and needs to be deleted. They can be reached for confirmation at XXXX. XXXX can assist.
My assistant in XXXX  was trying to purchase a vehicle in XXXX XXXX   XXXX XXXX official dealership.

He made transactions via American Express which i gave him as an additional user, he made 3 transactions : 1 ) XX/XX/2018 {$65000.00} ; 2 ) XX/XX/2018 {$1300.00} and 3 ) XX/XX/2018 {$2200.00} We didnt pick up car in XX/XX/XXXX and i know XXXX  dealers they like to stall time, i contacted Amex with dispute on XX/XX/2018, by XX/XX/XXXX american express send me notification that my account was fully credited and then By XX/XX/XXXX they put all the charges back claiming that merchant provided documents to support their claim. I reviewed this documents and to me they didn't make any sense, i called Amex again to open another dispute by i noticed that Amex staff are not wheeling to help me and understand the issue i explained to amex multiple times that we or i didnt pick the car, they reopened dispute and we get more details from merchant that doesn't make any sense to me, but amex is ignoring the issue.

Here are the issues, i will attach each document. On first dispute merchant provided my assistants ID and credit card slips with signatures, but the invoice for the car that they claim that we bought is under different name, you would wonder if i spend XXXX for the car would i want to have invoice under my company name? i say yes. Also invoice signature is not matched to my assistants signature.

Dispute number 2 : same issue as first dispute, but this time dealer provided more documents, same documents credit card transactions but no invoice under my company name and no signature of my assistant on invoices and moreover they now lied to american express by providing the letter on last page which states : that the holder of card XXXX ( they couldnt provide full number because they dont have card and this letter was created due to dispute ) also this letter is not addressed from my assistant to XXXX   that he authorizes transfer of this fund to XXXX, there is no assistants name or signature on this letter. This letter is a completely fake and doctrine letter created by dealership to keep my money ( which i explain to Amex )
Payment on credit report states 30day late payment month of XXXX car note payment was XXXX wrote check out for XXXXdoll wrote letter to company that rest of amount be sent next paycheck in 2wks within that time report of 30day late payment was posted lowered credit score that why sent in XXXXdoll an letter in response to avoid that
ON XX/XX/2017 5 letter were drawn and sent certified mail to Experian, XXXX XXXX, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX  is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..
XXXX is attempting to enforce a cancellation penalty that was never agreed to. I've contacted both XXXX and Convergent requesting documentation that establishes an agreement between myself and XXXX including cancellation fees. No such documentation exist, and thus has not been provided. Despite these request I continue to receive debt collection efforts by Convergent.
Per FCRA, I am requesting the method of verification for nine accounts there were previously verfied. Per FCRA i have requested method of verification and procedure used to verfiy. This is my right per FCRA 611. Anyone can say verify with no back up proof that the FCRA rules were followed.
This relates to public service loan forgiveness and credits for the 120 student loan payments that must be made. I am complaining again since the response by Fed Loan servicing was that they will send me a copy of a print out from years ago to address my complaint. Insufficient. I now attach a print out clearly showing dozens more payments toward public service loan forgiveness than the lender shows ( thus making it necessary fgor me to work YEARS LONGER ). I have made payments of over {$800.00} a month for years and have been forced into countless forbearance situations to allow the 3 different lenders servicing my loans since XX/XX/XXXX to address many transitions and failures along the way. I am not getting proper credit for payments I made. I want fed loan servicing to make adjustments to the credits for payments made during forbearance. I am NOT ASKING FOR CREDIT THAT PREDATE THE XX/XX/XXXX PROGRAM. Do n't make that part of your absurdly inadequate response. I can not get a record of payments before XX/XX/XXXX but just since then I show 41 full monthly payments made. I am showing 19 payments made. THAT 'S NOT EVEN 2 YEARS and is a joke as far as even closely resembling accurate records of my payments. It 's not even I request records going back to the beginning of my enrollment and for proper credits to be issued and for the errors of the lender to not prevent credit ( things like putting me in the wrong program, failing to notify of program changes, it taking 4 months to make a determination or a year to transfer records where during those times no payments would be credited ). I will have to join the class action lawsuit requesting judicial relief if this can not be resolved.
Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX /   17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .
I have been working to pay off my {$140000.00} in student loan debt with XXXX then turned into Navient. I have said since day 1 I would always pay my loan bills on a Friday and yet the payment would not be applied until the following Wednesday. Considering the amount of money I owed as well has having interest that was compounded daily this was a large sum of money that I was still being charged in interest but had technically already paid. Whenever I called Navient to speak to a representative about the issue they said that interest was really joy charged but I certainly could tell it was. Also, when my loans first came out some of them were grouped into " billing groups '' so on the website if I wanted to specifically pay the highest loan with the highest interest ( makes finainal sense ) I could n't because the payment would be applied however they saw fit as opposed to being billed directly to the loan I wanted it to. I actually had to call and ask them to release certain loans from billing groups in order pay those ones off faster. I never felt comfortable with the this company and I always felt as though the interest I was being charged was very unfair. They also changed the interest rates on my private loans without any notification.
I am XXXX XXXX, a XXXX at XXXX XXXX. Branch banking and trust ( BB & T ) has caused mental harm and undo stress on me because of overwhelming, unfair returned check fees. They recently charged me XXXX returned fees for XXXX item. They refused to reimburse these fees to me. I can not afford to continue to be treated this way.
I have called ally bank everyday for two weeks and they tell me there is a twenty five minute wait time nobody will answer, I need to withdraw some money and I ca n't.
Hello, I signed up for a XXXX credit card a few months ago as part of the checkout process. At the time I was interested in a few furniture purchases and was enticed by their rewards program. 
During the same period, I moved a new address and notified USPS of the change. 
However, I havent received the credit card, any statements or correspondence from XXXX since the beginning. Given the lack of communication, I was unaware of any charges that I may have to pay. 
About a month ago, I was performing a routine credit check on XXXX XXXX and noticed that my credit score has dropped significantly. I noticed that I had some late payments for XXXX. To rectify the matter, I called XXXX customer service and was forwarded to their collection department. I explained the situation to the involved personnel and attempted to offer payment of the intial charge and initial fee. In exchange, I requested them to remove late fees and fix my credit score. However, they refused to engage in any resolution other then full payment including late fees and no engagement on credit score fix. 

Hence, this is my last resort to get this fixed. I have had excellent credit with always on time payments. I am hoping to get back to that. Thank you!
Contacted TransUnion via telephone to initiate Fraud Alert. Automated system forced me to listen to extensive sales pitch for TransUnion 's identity theft product. After I declined product had to listen to another sales pitch to confirm I did not want my identity protected. I know enough about this product type to know this is not a good product for me but other people may be conned into purchasing TransUnion 's product. TransUnion 's imposition of mandatory sales pitches to customers trying to protect themselves from fraud is dishonest and manipulative because it preys on a vulnerable demographic.
I have had a credit card from capital one for 12 years. I have never made a late payment and I normally pay my bill in full to avoid paying interest. Since I opened my account, Capital One has never agreed to increase my credit card limit. For the past 4 years I have actively requested an increase at least one or two times per year and my request is always denied. They provide generic reasons which none apply to me. I have called customer service but they can not do anything over the phone. Over the last 4 years my income has tripled but this doesnt not positively affect my credit limit.
Something is showing on my credit report with a company named Financial Accounts Services for what appears to be some type of apartment complex named XXXX  XXXX. I never lived at that place and they continue to report this false information on my credit report.
I test drove a vehicle and they asked for my information. I gave them it with the intentions that they promised my credit wouldnt be ran ( only soft hit ) They lied to me and ran my numbers. Then in questioning the company they continued to lie to me saying they didntThis all happened XX/XX/XXXX. I am beyond furious because my credit score was XXXX and now down to XXXX
The XXXX XXXX XXXX, XXXX, at XXXX XXXX, XXXX, ME XXXX, telephone number ( XXXX ) XXXX claims that I owe them {$370.00} for medical services that I received at Doctor 's Hospital in XXXX, Maryland. They claim the service date was XX/XX/16. My name is XXXX XXXX XXXX, patient account number is # XXXX. The provider 's name is XXXX XXXX. Back on XX/XX/XXXX, I contacted their office and I explained that I have Veteran 's health insurance which is my primary health insurance and XXXX which is my secondary health insurance therefore ; they would need to send the claim to the right one! They stated that they would take me to court. Now, this is the only provider that is claiming that he has not been paid. To my knowledge this debt has been paid or the claim was not sent to the right health insurance. So, I just received yesterday a letter from Schlee & Stillman , LLC, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. The telephone number XXXX. This company is claiming that they are the debt collections company trying to collect this alleged non paid debt. I contacted them yesterday by telephone to inform them of the matter and I was told I need to provide them with information over the telephone that I was not comfortable with providing. Moreover, the letter is dated XXXX XXXX XXXX, and it claims I only had 30 days to dispute the debt! But I just received the letter yesterday on XXXX XXXX XXXX. Therefore, this must be some type of scam or fraudulent company that I respectfully request that you use the law to arrest and prosecute them. If you need any additional information from me please let me know. Thank you
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my Equifax, XXXX and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted Equifax, XXXX and XXXX on XX/XX/2018 and was told XXXX never contacted them.
Capital one is blocking external transfers and I need access to my financial records! I am trying to sign into my online account so that an external transfer can take place and capital one has blocked it!
I do not have or have ever had a contract with this company. I have never signed or asked for services from this company. I dispute existence of any contract what so ever.
Hi in XXXX of 2018 l received a late payment that l was not aware of.
This company was unwilling to work with me when I was unemployed and They finally put me on an interest only payment plan when I asked to get my payment lowers. THey left. XXXX this plan for years and never offered me something better until recently. I filed letters with the bbb and contacted then numerous times. Everytime I got a different story and no one could give me correct information. Because of their lack of support my private loans have tripled the amount of what I borrowed. They told me at one point I could consolidate my loans to later be told I would have to consolidate them with another company as they no longer consolidate private loans. My interest rate on my private loans is 10 % on each theee loans. When I asked them for information on who I could consolidate with they kept giving me information for federal loans not private loans.