WillisBack/dataset-financial-user-claim huggingface dataset:
There are multiple inquiries on my credit report from this company. 
I did not authorize any inquiries from this company. 
Apparently someone has access to my personal information, i did inform this company that my personal information had been compromised in the past, yet they still continue to report this erroneous information, and have allowed my personal information to be pulled multiple times.
I was a victim of identity theft, now I have inquiries on my report that I did n't authorize. I tried disputing them but the credit company is telling me to contact the company directly, the companies wo n't remove them saying it 's my information.
WAKEFIELD COLLECTION/CHARGEOFF Other {$120.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Remarks Placed for collection.
On XX/XX/XXXX my account was shut down for trying to transfer my money out of my account that does not have a debit and 53 was prohibiting me from getting a card. So i called in explained I was trying to transfer so everything was fixed. They said the problem was my name was n't on the transferring account. I explained to them I was transferring the money to my girlfriend with MY MONEY. However I made the fix and again try to transfer the money out. Then my account was shut down. This time i called answer question. They tell me I have to go a branch to verify my identity. So I did that and next thing you know they tell me I can not get my money. They block my out of my account. I had ~ $ XXXX in that account I needed to pay for bills for my business and house. Now I cant pay either of them and is XXXX out of luck.
This is the message that Chase Bank sent me yesterday  XXXX   XXXX     2017  and they said that they were going to still charge it even this was done before the account was closed advised account was closed they would send me a bill I paid the overdraft from this account and here 's what it said I will attach a copy of letter
Ally financial auto loan confirmed they sent my loan information to an incorrect address. Therefore my first loan payment was late and Ally reported it to the credit bureau. I called twice to rectify this situation and was told a supervisor would call me back. Never received a call back. The general manager of XXXX XXXX called on my behalf XXXX XXXX and was told it was being taken care of and I should receive a call from Ally financial. Never received a call. Today when I called I was told it is in dispute and will take 30 days. My credit is suffering because of their mistake which they admit. This should be rectified immediately.
XXXX XXXX is fraud. Im an resident here in XXXX. How can i get this money. This is alot of money. I never had this loan I told them agian now they say its the credit bureau. They feel like im a fool. i spoke to someone they said I can get a ftc and file a suit against them, This is illegal
Back in XXXX I had XXXX XXXX from car accident. I called all my creditors and explained why I might be late due to the severity of my XXXX and not being able to pick up my paycheck. Once I did get my paycheck the crazy employer gave me my paycheck and it bounced. I called again and explained the situation everything was verbally agreed upon and I assumed that I was ok until I noticed that I was indeed marked past due. I have made several attempts to plead with this removal and they are still dragging it out. My record of payments is impeccable never late except this particular time.
XXXX XXXX XXXX has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.
There is two XXXX XXXX account that are NOT mine, one was open X/2016. This needs to be removed it is fraud and again NOT MINE
JP Penney claims that they sent the bill of {$5.00} to my address but I did n't not receive it, as a result the company reported it as a negative item on my credit report. No other attempt to reach me was done. As a result my credit score was greatly affected, from XXXX to XXXX.
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against XXXX XXXX XXXX by CFPB. 2. According to XXXX recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed in XX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per XXXX validation late XX/XX/XXXX. 3. Very bad reporting XXXX report shows XX/XX/XXXX account charged off.written off XXXX XXXX past due as of XX/XX/XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm midland credit management my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with XXXX XXXX. 5. I have a legal excuse from appeals court from XX/XX/XXXX to XX/XX/XXXXas to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.
I have been paying for my student loan for over 10 years and the interest rate continues to change and the loan is not lowering at all. I am with Navient. They even refused to send me the end of year tax statements. I had to get an attorney to get them to send me my end of year statement. I have not received one in over 4 years to file on my taxes.
I have recited 10 calls in the last 30 minutes from the coperate office of kay jeweler. I have told them I am disputing the charges. They have also contacted a family member of mine and disclosed mt personal information. And they called my XXXX year old son who I did not put down his contact information
Phoenix Financial Service continues to report negative information on my credit reports in regards to a location in which I did not reside. I recently received a copy of my credit report ( XXXX, XXXX and XXXX ) and after reviewing it I found questionable items listed by Phoenix Financial Service. In the past, I have asked that Phoenix Financial Service send me copies of the documents that they have in their files that are used to verify the accuracy of the account. I have no documentation with an account number. No one has ever answered my request. In fact, Phoenix Financial Service completely fails to disclose to me all of the documents that they have in their possession that is concerning the account that is being reported negatively in my credit report. Instead of providing me with the documentation, Phoenix Financial Service insists that the account has been verified and is correct.
I previously filed a complaint concerning unauthorized credit inquires I did not authorize.

Subsequently, a unknown party used my information to obtain a car loan.
On XXXX/XXXX/XXXX I was a victim of identity theft. I filed a police report and after a few weeks the detective that was handling my case found the person who did it and arrested them. I disputed several items by certified mail that remain due to this incident and sent it to Experian. When I received the dispute investigation results I saw that none of the Items were removed. I repeated this process for over a Year with still no results. So on XXXX/XXXX/XXXX I called Experian and asked what did they need from me to get these things off. I was told that I could send in the police report and so i did and I even had my dispute letter notarized as well as sent a copy of the letter that the District Attorney General mailed me as proof of me being a victim and the person that was arrested in connection with my case. Yet these items still remain.
The emergency room failed to file to my insurance company after repeated attempts to rectify the situation they had all the necessary insurance info and now the credit company is refusing to remove the negative remarks even though they are aware this debt is in accurate
I applied for a QVC credit card issued by Synchrony Bank. I received a letter in the mail stating that I was denied because the " Credit Bureau Reports a Different Address on File '' I tried to contact Synchrony Bank to confirm that, in fact, the address I applied with is my correct address, but to no avail.
I recently began getting my wages garnished by XXXX XXXX XXXX who claimed that they had a jidgment against me for over XXXX. I was never served judgemnt papers or even a notification of the court filing or date. I also never was notified about the garnishment. The actual debt is not even on my credit report so Im not sure how they are collection money I do not owe. When I called the attorneys office they used they had an address in a different state to which I live.
I closed an account with Citibank with a XXXX balance. They did not close the account, even though I have a receipt saying it is closed, then charged me fees to keep the account open. Since the account had a XXXX balance it was overdrafted and they charged me an overdraft fee on top of that. I overdrafted an account I closed because of a fee they charged to keep my account open. Then they preceded to call me twice a day to collect even after I told them to stop calling me to collect a debt they created.
I learned in XXXX XXXX that a debt collector named Portfolio Recovery Associates , LLC obtained a default judgment against me in XXXX XXXX XXXX ( CA ) XXXX XXXX in XXXX ( Case No. XXXX ). I was never served with the summons and complaint. I learned of the judgment when I was contacted by XXXX XXXX sheriff on a judgment levy. I then got records of the court case. I learned that PRA claimed to have served me personally on XXXX XXXX, XXXX at an address I had not lived at or had any connection to since on or around XXXX. The process server that claimed to have served me, XXXX XXXX, has a history of false declarations of service. Additionally, I obtained documents from the court including PRA 's declaration and request for entry default judgment that I believe are false. Although I believe I might have had an account with XXXX Bank at some point in the past, I do not believe I owed a debt for the amount demanded and I do n't have any reason to believe that I owed PRA anything at all on this account.
Bank of America has been holding my direct deposit from my employer for 4 business days, claiming that the deposit was on hold due to my account 's " history of overdrafts ''. I was promised that the funds would finally be released tomorrow, a week late.
Hi, On XXXX XXXX 2017 I transferred money ( XXXX or {$400.00} USD ) to someone in XXXX XXXX, who goes by XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX music controller used. I 've since found out that the person has committed fraud with other consumers on the forum and I then tried to cancel the transaction with PayPal. The seller convinced me to use " Friends and Family '' to transfer the money which offers no protection to the buyer. PayPal refuses to do anything and I have no recourse to collect my money. Thanks,
It seems that I have an inquiry from your company and Im looking to get more information because I never applied for anything and Im trying to figure out why and where would this inquiry come from. I am unaware of the inquiry. I have been a victim of identity theft and I have suffered from the credit breach. I would like to get to the bottom of this and I am working with an investigator. I have contacted FTC including filing a complaint, and leaning towards taking legal actions against the credit bureau and creditor for not contacting me in a situation where someone is using my credit without my consent, which is a violation of severs sections in The Fair Credit Act sections 609, 611, 604, 605. 

Inaccurate : Discover Bank
I pulled all 3 of my credit reports, and my husbands reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : AUDIT AND ADJUSTMENT. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. They're reporting 3 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the account that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my husband and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ), and my husband did too, and AUDIT AND ADJUSTMENT has NOT removed these account from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my husband, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
This is a complaint about EQUIFAX. 

On the evening of X/X/2017, I found out that I was a victim in the recent Equifax credit bureau security breach. I have spent a long time getting my credit score, financial health and report to acceptable levels and now that am a victim of this breach, I worry constantly about my identity being stolen and all my hard work to be compromised. To be proactive, I have placed freezes on all my credit bureaus as well as placed a 90 day fraud alert on all my accounts. I believe Equifax should have notified me sooner of these issues, rather than try and cover their tails and I find it unfair that I have to go through all these measures due to their poor monitoring of their website. Their only remedy is to give 1 year of free credit monitoring, but the information that was stolen from their servers could affect me for life. Its not like I can change my SSN or DL number, or better yet my mothers maiden name. Now it feels like I will have to always be concerned about my identity being stolen, more so that ever now.
To whom it may concern : 1 ) My credit card limit was reduced three times, and although I received a notice about the decrease, it was insufficient. After Barclays Bank decreased my credit limit, then I get a notice in the mail, after the fact. 

2 ) The corporate ( office of the president ) representative XXXX XXXX, has been very unprofessional and discourteous. She sent me a letter rudely stating that she would NO LONGER reply to my complaint, which is absurd. 

3 ) The whole experience in Dealing with XXXX XXXX has been horrendous. She is very condescending and unpleasant. She did not specifically tell me why Barclays reduced my credit limit, other than to tell me what 's in the credit report -- which is n't derogatory. I have paid this account and all others on time. She sounded like a broken record and would not adequately communicate with me as a person, but treated me like a robot. 

4 ) My credit line should be restored back to {$10000.00} and should have never been reduced. The next time I get a notice, it needs to be BEFORE they reduce my credit limit, not AFTERWARDS, which is too late. 

5 ) Barclays Bank has caused my credit score, which is relatively high, to lower. This is derogatory against me.
CAPITAL ONE AUTO FINANCE WENT ON MY CREDIT REPORTS WITH OUT WRITTEN APPROVAL 2 TIMES.
My wife and I purchased a home with assistance from the Maryland Department of Housing a few months before the real estate market crash. After house prices crashed as well as interested rates, and since our family grew my wife and I moved our family to a more appropriately sized house, in better neighborhood with better schools and with significantly better terms. We rented, maintained the home in a respectable manner and made all of the related mortgage payments. Four years later we were informed by the Maryland XXXX XXXX XXXX that we were required to sell the property because it was no longer our primary residence, at what was currently a significant loss. We could also move back in, though considering our situation was unreasonable. We are unable to pay into the loss on the property due to our financial situation. We requested a Deed In Lieu with the hopes of signing the house to the lender without a deficiency judgement, which we considered reasonable considering the situation. The mortgage insurance company requested an unreasonable sum of money in order to proceed with the Deed In Lieu, which we are unable to afford. We requested better terms, however, the mortgage company and Maryland Department of Housing has proceeded to foreclose on the property and has stopped working with us on better terms. We feel that they have negotiated in bad faith with us in settling this situation without a foreclosure.
Nearly two months, I mailed Experian a letter asking them to correct errors on my credit report. Nearly 2 months have past, and I have yet to receive a response from them.
I have informed Experian on  XXXX   XXXX ,    2017  that the following address is not mine and had never been mine. However, Experian has not removed the address from my credit file.   XXXX  Address that is not mine :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CT  XXXX
in XXXX a payment plan was set up with Citibank , N.A . and payments were made via automatic withdrawal. no payment was ever missed or late. 
XX/XX/XXXX I received a XXXX for the a discharge amount. 
I was never contacted about the payment plan or offered and alternative to the XXXX. 
Can the creditor automatically send a XXXX without approval of the borrower while an active and ongoing payment plan is in place?
XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, Equifax, and XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called XXXX  and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX  by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with Equifax at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting agencies.
Experian LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Credit File Number : XXXX XXXX XXXX XXXX ( SSN # XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX Code 1681g Section 609 - Disclosures to consumers Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

Public Records-Federal Tax Lien XXXX County Circuit ( This debt was included in the bankruptcy chapter XXXX filing and withdrawn. Please accurately report this information or delete from file. ) / Identification Number # XXXX Date Filed : XX/XX/2016 Claim Amount {$32000.00}
I took a loan from " Northern Plains Funding '' for {$500.00}. The monies were credited to my bank account on XX/XX/XXXX. From XX/XX/XXXX, I paid a total to them of {$1500.00}. 
On XX/XX/XXXX, when inquiring about my loan balance, they " offered '' to refinance the " current principal balance '' of {$490.00}. I agreed, with the intention of lowering the bi-weekly payment amount. 
So from XX/XX/XXXX to XX/XX/XXXX, with bi-weekly payments of {$150.00}, only {$6.00} had been applied to the principal. 
Since XX/XX/XXXX, I have paid a total of {$1200.00}. That brings the total amount paid to {$2700.00} on a {$500.00} loan. 

I have since realized the online/payday/tribal loans are illegal in the State of PA where I reside. I have obviously paid this loan in full 5 times over- plus some.