WillisBack/dataset-financial-user-claim huggingface dataset:
Called Synchrony Bank for my Sam 's Club MC XXXX regarding password account access issues. Account rep transfer to fraud rep who argued w/ me regarding my use of a password generator. I use generator for management & generation of passwords for my protection. Fraud rep told me that I must make password that I can remember. My argument is I use generator because of total random nature of password of XXXX characters. Also that if I must use something simple as fraud rep is telling me, I can not be help responsible for issues relating to my account due to easy to hack passwords like XXXX #!. And if that is the case, I should close all of my accounts with Synchrony ( ALL SARCASM ) which fraud rep took as literacy! At that point, call dropped as call was being made on my cell phone. You would think fraud rep would call to confirm, but according to a supervisor named XXXX it is to much effort on the part of reps to call customers and do such things like confirm such drastic actions, like closing ALL SYNCHRONY ACCOUNTS! I also have documented with XXXX my mobile carrier that I have call issues at home. This fraud rep, can according to a rep, because he has the power to do so, close all of my accounts. And I have to call and fight to have this all reversed because he could not call and confirm such a drastic action. More so because it seems that he disagreed with me on the password issues and doing things how he was telling me and that I would NOT submit to him. So he went on to teach me a lesson. It seems that I was just to bow down and do as he instructed like a good lil woman should. Then my calls to correct this were met with it is all my fault because people do no understand sarcasm in an argument anymore.
I contact XXXX XXXX and XXXX about an unauthorized hard inquiry after i received a copy of my credit report, they agreed to remove it but they never did. This is very frustrating, is a very serious matter and XXXX XXXX & XXXX won't help me fix it. Please remove unauthorized hard inquiry from my credit report XXXX/XXXX XX/XX/18
I use to have an account with bank of america with a balance of XXXX cents positive. A representative call me and tell me that they were going to close the account and send me a check with the funds available at that time ( XXXX cents ). Well i never recived any check and they overdraft the accont and report me with XXXX and now im no able to open any account because of then and i also paid XXXX cents to bank of america ( i have a recipt ) because they said i was overdraft so i want that money back and i want my status with XXXX clean and be able to open a bank account.
I contacted XXXX XXXX on XX/XX/XXXX & spoke to a rep by the name of XXXX & she assured me that NO ONE from Experian verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XX/XX/XXXX. I also contacted the XXXX XXXX Federal Court on the same day & was also told that NO ONE from Experian verified any type of bankruptcies.
Someone is calling from Convergent and is breathing heavily over the phone and even left a voicemail breathing over the phone. 

I ask to settle the debt when calling them back but, someone will call me again just breathing over the phone and it is scary and making me very uncomfortable.
Over the weekend I get notifications from myfico that my report has changed. I logged in and noticed that XXXX and XXXX was removed. About 30 seconds later, XXXX report inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX was also removed. Minutes later these collections and inquiries was added back on with a missed payment from a collection agency, XXXX! On XX/XX/XXXX, I called TransUnion and spoken with a supervisor name, XXXX. I 've asked him do they verify any information before placing it on ones report, because a collection agency should n't been able to place a missed payment on my report which brought my payment history down and affected my score. He became extremely hostile and rude. I immediately asked for his name and the spelling, he spelled his name and slammed the phone down loud!
I 've submitted info numerous times for the company XXXX and XXXX ( now reporting to XXXX collection agency ). The account was opened with my SS # I contacted my local police dept. for police report for fraud account. ) I also spoke with Experian for them to validate account and no identity documentation was provided.
Direc Management INC has been inaccurately and unfairly reporting a joint account which they claimed I am remain in debt too. The beginning amount owed, according to their reporting, was {$1800.00} dating back to XX/XX/XXXX. 

Since this time Direc Management INC has increased the balance by {$5.00} each month in an attempt to cause further harm to our ability to earn new credit and receive the best interest rates available. The current balance as of XX/XX/XXXX is {$2300.00}. My first attempt was received on XX/XX/XXXX via certified mail USPS ( XXXX ). Direc Management INC responded on XX/XX/XXXX by sending an itemized document, as per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

Therefore Direc Management INC failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The itemized documents, sent to me and the co-applicant, contained conflicting dates of first delinquency and amounts claimed owed. 

A second attempt was delivered via certified mail USPS ( XXXX ) to Direc Management INC on XX/XX/XXXX, again requesting validation and, additionally, names and addresses of each person who personally verified this alleged account. 
Direc Management INC failed to respond. 

Laws I can potential files suit for : 1 ) Metro 2 Compliance 2 ) US Court of Appeals - XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 623, FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC opinion letter XXXX From XXXX. 

FCRA rules allow for up to {$1000.00} per violation. Small claims actions are not allowed to cover attorney fees.
I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my XXXX credit report. I wrote to XXXX  one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet XXXX continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.
Co called and left a message about Check has been returned. 
so called back and she said- No it is about XXXX credit card Balance. ( they have my Social numbers and name and everything ) .and also she said I have been sued for this balance on Threatening tone of voice. I told them I filed " bankruptcy ''. she said well I do n't know ... ma'am ma'am ma'am..have nice day and hung up.
I 've had some fraudulent activity show on my credit report and have been working hard to clear it off. TransUnion is reporting a TAX LIEN for $ XXXX?! /? and it 's not mine. They still are reporting it and wo n't remove it. It 's with a court in CA and when I go to that court 's website you ca n't pull up any records showing this. I 've never owed any taxes like that in my life. Someone used my information to either run a business into the ground and that 's why their 's taxes.. i do n't know. Please assist me to have transunion conduct their process. Also there is XXXX collections but the tax lien was the main problem.
I signed up for a Citigold checking account ( from Citibank ) based on a promotion that I was targeted for. Once I met the requirements, I was to be credited XXXX XXXX XXXX points. The day I met the requirements, I sent Citibank a secure message asking them to confirm that I had met the requirements and I would be credited the XXXX XXXX XXXX points. Citi confirmed this, and said I would receive the points when my statement closed XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received the points. Every time I contact someone from Citibank in regards to this issue I get a different story. The first time, they said that I needed to provide them with my XXXX XXXX account number. After I provided them with the number, I still did not receive the points. I called in again a few weeks later, and was told by a supervisor ( XXXX ) that the case was still under investigation and I should hear something at the end of the week. I did n't hear back, so I called them again and spoke to a man named XXXX ( call center rep located in XXXX, employee ID number XXXX ) on XXXX XXXX and he confirmed that I would be receiving the points in " either two days or at the beginning of my next billing cycle ). He had also confirmed that Citi 's back office had confirmed that I was targeted for the offer. It has been several weeks later since XXXX XXXX. My billing cycle has ended, and I still have not received the points. I reached out to Citi again today ( XXXX XXXX ) and they still do n't have an answer for me. I 'm sick of the run-around and they do n't seem to care about giving me what 's promised. I have attached all supporting documents that I could find. Please help. Thank you.
I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  XXXX  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.
On XX/XX/2018 at XXXX XXXX I received a {$100.00} gift card from XXXX XXXX XXXX, XXXX Florida as a thank you for visiting and learning about their time share plans. I was told to activate the gift card which is from US Bank and the funds would be available immediately. I called and actived the card around XXXX XXXX that same day. I was told there was a XXXX  balance because there was a {$100.00} transaction at XXXX XXXX   on this gift card ( before I even received and activated the card ). Went to the XXXX XXXX XXXX office and they called US Bank and was told that US Bank was updating their system and give it 2-3 hours. I gave them over 12 hours and called US Bank back at XXXX XXXX  on XX/XX/2018 and was told there is no funds available. They show the {$100.00} added to the card and now no transactions. Now US Bank is saying we have to wait 3-5 business days to get this resolved. Per US Bank I am not the only one calling and complaining.
FMS Collections is harassing XXXX of our deposit customers over a duplicated mobile deposit check item that had already cleared customer 's account. 
Our consumer paid a common laborer XXXX XXXX XXXX XXXX {$180.00} for labor. XXXX XXXX deposited this check by mobile deposit with another bank ( XXXX ). This item cleared consumer 's account at our bank. Later, XXXX carried the original check to XXXX and cashed it there. Our bank returned the check as a duplicate item. XXXX referred it to FMS Collections and who has been harassing XXXX XXXX. They refuse to talk with our bank with our consumer present to try and resolve the issue. Our consumer does not owe XXXX the money. XXXX does. XXXX has since been arrested and jailed on other financial crimes with other citizens and bank. Our consumer was unable to get any assistance with XXXX since XXXX is the party that has the original claim against our consumer. It is only {$180.00} but he should not have to pay the item since he does not owe nor should XXXX XXXX Bank have to pay it. Thanks
I fought with XXXX XXXX to get this account removed from my credit files because they had reaged it. Now I know why they did, it was to sell it to a collection agency. Midland credit management inc., is trying to collect from this account. I would like to receive verification of this account, to verify the dates with my records. The account should be out of the statute of limitation as of XXXX of this year. California statuet of limitation is 4 yrs. Thank you.
I submitted multiple request to Trans Union to remove several inquires on my credit report which were not mine. At first they refused saying it was my responsibility. I then showed them Federal Law sating it was their. They never responded. I then filed a complaint with the FCPB, and they removed one inquire but not the others, and provided not explanation why they did not. The ONLY credit I have applied for was XXXX XXXX through XXXX XXXX. There are other inquires such as XXXX XXXX which is not mine. I have not applied for a student loan in decades. I continue to get notices that an inquiry has appeared on my credit report. I have said I suspect fraud. TransUnion has ignored it. Please remove ALL inquires from my credit report except the XXXX XXXX/XXXX/XXXX or provide documentation that I authorized them. TransUnion File Number XXXX date of issue XXXX/XXXX/XXXX
I WAS CHARGED FOR SOMETHING I DID NOT AUTHORIZE AND I CONTACTED AMERICAN EXPRESS AND REPORTED FRAUD ON MY ACCOUNT. THEY TOLD ME THAT I DID DO BUSINESS WITH THIS COMPANY AND ACCUSED ME OF THIS TRANSACTION WHICH I DIDNT MAKE. THIS IS SENIOR CITIZEN ABUSE AND ITS NOT RIGHT THAT THEY DONT BACK THERE CLIENTS. THE CHARGE WAS PUT ON MY CARD ON XX/XX/16 FROM TIMESHARE XXXX XXXX-XXXX PLEASE HELP ME GET MY MONEY BACK.
this company, XXXX XXXX, and their billing partner, XXXX XXXX XXXX, continually calls me to collect a gym debt for a closed account. I had to even go so far as to have my credit card block their attempts at charging me membership fees after I cancelled. They continue to call me at my place of business and it's pure harassment.
Since XXXX 2014 Equifax has not responded to my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently.
Merchants Adjustment Service, doing business for XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.
Contacted by Online Information Services who stated I owed a bill in the amount {$130.00}, and that I needed to take care of the payment immediately. The representative went on to informed me further action could be taken if I failed to pay the amount now. The representative stated once the account was paid, it would be removed from my credit report and no further calls would be made by them. I paid the {$130.00} immediately and noticed it stayed on my credit report. I contacted Online Information Services who stated they would not remove the account. I alerted them to the fact that I was told by their representative that the collection would be removed and account updated, they went on to inform me the representative informed me incorrectly. Refused to update my report with the correct information. 




ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ONLINE Information Services Phone Number : XXXX Website : http : //www.onlineinfoservices.com/start/
I wrote a letter to Experian dated XX/XX/2018 informing that there is a negative report by North Carolina Bankruptcy Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but they did not address the issue. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to XXXX. However, Experian also received the same letter, dated the same as well.
I was the victim of Transunions service error. I have contacted customer service and they refuse to remove the inquiries that were added to my credit without my permission. 

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 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 disputed a collection account from portfolio recovery on my credit report to equifax , they responded that they verified the account, but somehow XXXX could n't verify the account. So who 's wrong? I say equifax , cause as I stated in my original dispute the account was incorrect. So how did equifax verify an account another credit reporting agency could n't? Does Not exactly explain out very well.
I received a bill statin g Selene Finance w as requesting {$160000.00}. on house at  XXXX   XXXX   XXXX   XXXX , MO  XXXX . Problem is bill was sent to mortgage owner  XXXX   XXXX  and she has been deceased since  XXXX , We sent the copy of death certificate and informed  Selene Finance that   XXXX   XXXX   was  deceased the rep said all collection would cease because they did indeed had copy of death certificate. On  XXXX   XXXX  some people who said they were from  Selene Finance  looking for  XXXX   XXXX  they were informed once again she is deceased. In the state of it is illegal to collect or try to get monies from a deceased person an d Selene Finance  was notified of this their address is  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  phone number  XXXX   XXXX   XXXX  property or account is  recognized under   XXXX   XXXX  and her address.
I have disputed items on my report several times,  XXXX  refuse to delete items that have already been disputed on  Transunion. I  asked them repeatly to provide me with proof of their verification which they refuse to send me. I also ha d  XXXX  public Records  listed on my report. law as of   XX/XX/XXXX   state if cant verify it has to be removed. well all  XXXX  credit agencies removed   XXXX     of the public records and made it a collections instead of removing it. attached is proof of it listed under public records. that is fraudulent and against the FRCA. also   XXXX     of the collections account was removed  (   XXXX   XXXX   XXXX   XXXX   ) and they put it back with out notifying me within  5  business day that it was reinserted back on my file. per the fair debt it has to be deleted. please delete the accounts that you never verified. if you did please send me your verification method   XXXX   XXXX   XXXX   is undeliverable and how can you delete   XXXX  b ut verify the oher, please delete
collector calling my job when advised not to. was told again XXXX/XXXX/16 not to call called again on XXXX/XXXX/16. I also left them my cell number to call me back, I have no clue what this is about. They will not call my cell just calling my work and will not identify what this is all about
MY CREDIT REPORT IS MIXED UP WITH SOMEONE ELSE FOR POTENTIALLY ALL THREE CREDIT BUREAUS. BUT I ONLY SPOKE TO XXXX BUT ALL THREE ARE SHOWING AN INCORRECT XXXX SCORE AND THE WRONG CONTACT INFORMATION. 

XXXX has my report somehow mixed up with someone else 's. Today I noticed my XXXX Credit Score had suddenly plummeted over 100 points. The only thing that had changed on my report was I had taken out a small student loan for about {$8000.00}. Yet everything else was the same even my delinquent mortgage.

But my score suddenly plummets over 130 points?

And the reasons it gave for the plummeting score had nothing to do with my credit file. 

So I called into XXXX and spoke to an agent in XXXX. The agent kept telling me she had a different phone number for me. My phone number is already on file with XXXX, I had my credit report pulled up in front of me, but the woman kept saying she saw a different number. It was a very strange and frustrating phone call as she would not tell me how to resolve it. All she kept saying was there was a different phone number. 

And worse, the questions that XXXX was asking me when I was accessing my report did not apply to me at all. Although XXXX still gave me entry into my report. 

I have a fraud alert on my credit file because I have repeatedly been the victim of identity theft ( one of them caused by XXXX itself and they are paying for identity protection ). 

But I know that they have the report they release to lenders ( which is different than my personal report ) WRONG. 

The woman told me she saw employment numbers etc. on the report and additional numbers that were not on my personal credit report. 

So the report she accessed on me was different than what I saw. 

XXXX needs to release to me the report they show to lenders so I can verify the information because I did not see any different phone number.
the inquiry from onemain was made on XX/XX/XXXX, I contacted them as soon as I saw it on my credit report thru XXXX XXXX on the XXXX inquiry details. it drop my score 2 point. I informed onemain that I have not applied for credit since I filed for bankruptcy in XX/XX/XXXX and they told me this credit application was made online with your name address and ssn with my husband email address. at this time neither my husband or I have applied for any credit, loans or unsecure debt. I believe this is Identity thief. 


Onemain XXXX, IN XXXX ( XXXX ) XXXX
Capital Management Services called our home phone and also my husband 's cell phone. I called them back and they asked my name. I asked who they were looking for. Again they asked my name. I told them. The woman said there was a personal matter with me. Then asked my middle initial and the last XXXX of my social. I asked what this was about. She said they needed to verify who they were speaking with. I refused. She said she had my info. I asked what it was. She refused. She then asked me what my birthday was. I asked what the call was about and she would n't tell me. She told me I was not cooperating. I asked what this was about again. She would n't tell me. I told her not to call my phone again. I have NO idea who they are looking for and or what the call was about.
debt was included in BK XXXX they are continuing to collect a debt that I have been relieved from filed in XXXX 2016
I borrowed {$20000.00} from sallie Mae and I have paid {$350.00} a month for over 10 years and I owe them over {$35000.00} more then I borrowed. Even though I have been paying them. Sallie Mae gave my account to Navient without my consent. I am a XXXX XXXX and I tried applying for a XXXX XXXX forgiveness loan with the Department of Education, but the Department of Education denied it because it is a private, which I never knew it was a private loan until I applied for the XXXX XXXX  forgiveness program. They were deceitful and never disclosed it to me.