WillisBack/dataset-financial-user-claim huggingface dataset:
I have several accounts listed on my credit report that were not opened by me or authorized to be opened by someone else on behalf of my self. The creditors are XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The amounts in dispute are {$1900.00}, XXXX, {$620.00}, {$3700.00}. These items have been previous disputed as fraud. Some were removed however they reappear under different purchasers. I would like for these items to be throughly investigated with proof showing these accounts were both opened and used by me. If this information can not be proven these items should be removed. Attached you will find a copy of a police report along with the case number filed in XXXX, Texas XXXX XXXX County.
For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.
Attached you will find letters I have written to XXXX XXXX home mortgage. They sent me information back stating it 's not mine which is my point exactly. It belong to my ex husband who passed away. How can they report it on my credit?
I had a auto loan with Wells Fargo Dealer Services for a XX/XX/XXXX XXXX. I traded the XXXX in for another XXXX and the trade-in dealer requested a payoff quote from Wells Fargo on XX/XX/XXXX. I had a payment due to Wells Fargo by XX/XX/XXXX for the XXXX. After completing the transaction for the new vehicle the XXXX paid Wells Fargo over {$40000.00} for the payoff on the XXXX on or before XXXX XXXX, XXXX. On XX/XX/XXXX I get a call from Wells Fargo saying that I had a past due balance of {$46.00} that was 20 days past due. My next payment would n't have been due until XX/XX/XXXX. I told the Wells Fargo servicing rep that she received a payment of {$40000.00} in XX/XX/XXXX and there is no way that I have a balance past due. If the payoff was short that is XXXX thing but nothing is past due. She advised me that they do n't count the {$40000.00} payment that came in on the loan when considering past due amounts which is totally ridiculous. The rep at Wells Fargo 's name was XXXX and her ID was XXXX. She was rude and refused to answer my questions or pass me to someone who could have further dialogue about the incorrect past due balance. She intentionally made false statements in her communication with me in an attempt to collect the remaining {$46.00} dollars outstanding on the payoff of the vehicle.
I have contacted XXXX XXXX XXXX XXXX on more than 5 occasions in regards to a account that they are listing on my consumer credit file. I have told them countless times that I am not the correct person they are trying to collect from. I have went a step further to send them a police report showing that I was a victim of identity theft and still nothing! To make matters worse months later they send me the original contract for the auto loan, and it has someone totally different name on it and the address given is an address I 've never lived at nor have I been associated with. How is this even legal? I have explained that I do not know the person on the auto loan contract. I have sent them a copy of my drivers license to prove this. There are over a million people with my same last name, and Its not fair that they are allowed to continue to violate my consumer rights. The credit reporting agencies ( Equifax ) are n't even doing their job even after I have sent them valid proof and document showing that the account does n't belong to me on many occasions including the most recent on XXXX XXXX, XXXX, and then they " verified it '' on XXXX XXXX, XXXX. This is extremely damaging to my credit file and is preventing me from being able to purchase a home for my family. How could they have possibly investigated this item and verified it if I have the physical contract from the credit without someone else 's information on it. There 's no way!
On XXXX of my credit card I have set up auto payment. Recently they will not let you enroll an amount over the minimum payment. You must log back on to the site after the minimum is made to make additional payment over the minimum. If you do this. Then what they do the next payment cycle is reduce your minimum by the extra you paid over the last months minimum. Example- if minimum is XXXX a month due on the XXXX. Your auto payment will be made for XXXX. They will not let you set up any amount over the minimum so you must log back on after the XXXX and make another payment. If you make an additional XXXX on the XXXX. They will then reduce your next months minimum to XXXX. Or if your amount you pay is twice the minimum or more they will not take out any funds the next month. Thus forcing you to log on once again to make a payment, because they will not auto pay that month.
On XXXX/XXXX/2015, I purchased an item from XXXX. The seller was located in XXXX and offered free shipping ( see attached ). This free shipping and the entire transaction was based on false and misleading advertising. The seller knew that the item, even though advertised ( see attached ) to fit the style ( XXXX XXXX XXXX ) of my vehicle, did not fit and an unsuspecting buyer would be forced to send it back to XXXX and eventually end up paying for shipping. 

The item is too long for the trunk of my XXXX MB. When I contacted the seller, " XXXX '' stated that I should return the item but she was unable to provide a prepaid return label from XXXX. Although she mailed the item via XXXX ( # XXXX ), the seller also stated that " there is no local shipping address within United States, that 's why we ca n't offer pre-paid service due to we are not located in USA '' ( see attached ). If the seller is not operationally equipped to handle returns, then they have no business selling to customers located in the United States. This is a scam! 

On XXXX/XXXX/2015, the fee in the amount of {$49.00} was charged to my Capital One account ending in XXXX. I filed a dispute which was denied by my bank due to seller XXXX 's statement that the item did in fact fit my vehicle. Although, in previous messages from XXXX she stated that she understood my concerns and will gladly refund my money once I return the item with shipping charges paid by me. On XXXX/XXXX/2015, {$49.00} was rebilled to my account ( see attached ) for item number XXXX.
To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX  XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & TransUnion on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( TransUnion tracking : XXXX, XXXX tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on 2 XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
According to Wells Fargo EFS, I opened a loan with them sometime between XX/XX/XXXX and XX/XX/XXXX for tuition at XXXX XXXX University in XXXX, Ca. I did attend that school but I have no recollection of signing a loan with Wells Fargo. I have contacted them on several occasions requesting that they provide me with some form of proof that I initiated a loan with them, which they have not done to date. It appears that Wells Fargo is claiming that I owe them money, even though they are unable ( or unwilling ) to provide any proof that I have taken out a loan with them.
A rep from the company XXXX XXXX came to my job and asked me to fill out a paper for a loyalty card in early XX/XX/2017. Me and my co workers asked if it was for a credit card and the young lady from XXXX XXXX clearly said no. 
After few months I look at my credit report and I have a hard inquiry from XXXX XXXX/XXXX XXXX. I talked to the young lady at XXXX XXXX who is the general manager and XXXX said she would look into it but its been over 3months and every time i ask for an update she has no info. I need this removed from my report because I was told false information and did not authorize this inquiry.
I received a direct mail offer on or around XXXX XXXX from American Express, to apply for their Platinum Delta Skymiles Card. The offer was enticing as it offered me XXXX Delta SkyMiles and XXXX MQM for spending {$3000.00} in the first 90 days. I immediately called XXXX and applied for this offer, but the rep taking my application, could n't locate my promotion offer code. She processed the application and promised to process an " Icare Case '' to add the promo code manually. However, the incorrect promo code was applied, and I only received XXXX Miles and XXXX MQM. This was not what I had expected or agreed to, and filed a follow up case. Since filing the follow up case, no resolution has been made, and XXXX is not guaranteeing me nor are they giving me the promotion for which I applied. This is unfair and deceptive practice by XXXX, in getting customers to apply for their credit cards. I offered to submit a copy of the direct mail offer that received for their review, but they refuse to take it for review as proof.
My credit card company charged me {$26.00} for late fee on a {$20.00} interest at the end of this billing cycle. My due date used to be on the XXXX but they moved it on the XXXX without my knowledge. The law says that a credit card company for instance ca n't charge you more than {$25.00} for late fee if your interest is {$25.00}.
Back in  XXXX  of    2010 I filed a  Chapter  XXXX  Bankruptcy it was discharged in  XXXX  o f 2010 for s ome reason my Regions Mortgage was not reaffirmed. Since then they refuse to report my loan to any of the credit bureaus. My payment book comes in the name of my wife and myself, I 'm listed on the mortgage account on the warranty and security deed as well as the note.   I call Regions mortgage and get a plethora of misinformation as to why they wo n't help me in any way. They portfolio my loan and have denied me a loan modification, HARP loan and even a hardship.   I do everything I am supposed to make my payment on time every time and they continue to deny me the ability to refinance or reduce my 5.25 % 30 year fixed rate mortgage.
Diversified Consultants  is acting as a collection agent for an alleged debt I owe  XXXX  from  XXXX . The amount of the debt includes an amount for equipment which was returned to  XXXX  but for which  XXXX  is nevertheless demanding payment. Since  XXXX  different collections agencies have attempted to collect on this debt. I 've disputed the amount with each and it was ultimately removed from my credit report.     In  XXXX ,  XXXX   Diversified Consultants  again reported the debt to by credit bureau. They also re-aged the debt to appear that it is from  XXXX ,  XXXX , when they apparently received it for collection. I contacted the company and offered to pay the undisputed amount, but also asked that they remove the information from my credit report as it was incorrect. I was transferred to a manager, who told me that it is possible that  XXXX  received the equipment but also charged me for it because the time frame in their return policy is " very strict ''. She also repeatedly told me that under the FCRA they could not remove the information from my credit report -- '' even if  [ I ] p aid the full amount. Even if  [ I ]  paid {$1000.00} more.     The information the company has reported is incorrect in both the date and the amount owed. Further, the company incorrectly stated the law as provided under the FCRA, and used the FCRA to justify continuing to report negative incorrect information.
Hello : Original complaint number : XXXX On XX/XX/XXXX I received correspondence from your company explaining to me that my case with your establishment was closed due to CitiMortgages response. 

The company 's response is attached please review for your records. 

The response by CitiMortgage dated XX/XX/XXXX explains that a fix to the problem should have occurred on or around the date of Monday XX/XX/XXXX.

As of Saturday, XX/XX/XXXX the problem is not fixed and I am still experiencing the same problem as I described in my previous complaint. Please advise on how I should proceed. 

Thank you
I completed a Default Clearance letter maybe 2 years ago. I completed a FAFSA this year the school and Federal Department still have the Default classification on there. This company and my interaction with them strikes me a hostile, and antagonistic and one-sided in the way they have chosen to conduct business with me. They are reporting a total amount from education loans from 25 years ago. I went to another XXXX school and took 2 classes. Then they " consolidated '' and claimed I owed from the loans 2 decades ago. I had n't heard anything about owing on a loan until I took the 2 classes at the less expensive school and an offset was approved. I feel like I am being attacked. This company called me 4-5 times a day back in 2008. Last year I agreed to make voluntary payments for $ XXXX- that was the asking price. As I have applied to get financial aid at other institutions, this rehab loan keeps coming up. I was unaware that this categorization of my loan account was going to prevent this. Negotiation is at the core of most business transactions- it 's a give and take. I feel if I can pay voluntary- that 's what they asked me to pay- and someone on their team can be more flexible to allow me to move forward.I was reluctant to keep contacting them, because they said they were not reporting anything and starting sending me privacy policy notices. I thought there was some kind of legal proceeding that had occurred - like a gag order. Im just really confused as to why I keep having the same conversations with them almost every year. I really need a normal professional business person to help me with this.
I have attempted to get XXXX XXXX XXXX to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to XXXX XXXX there 's is no way for me to contact XXXX XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX XXXX responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from capital one I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.
I had a credit to my checking today XXXX for over XXXX from my child support. I had a check and automatic withdrawals come through. This morning my account was fine, my credit posted everything had cleared. Then I get an email from bank of America stating my acct was overdrawn. My credit and withdrawals were changed, my check for XXXX was returned, my withdrawals I have a fee for each of them. XXXX in fees. I called BofA, no help, just telling me the check posted last night, not true. I checked the deposit rules and my credit should have covered my check and the XXXX automatic withdrawals.
My child support account # XXXX is with XXXX XXXX not XXXX  XXXX XXXX. XXXX  XXXX XXXX was contracted by XXXX XXXX to collect withholding only. They do not own this account. It is a XXXX XXXX account. ( see attached email ) XXXX XXXX XXXX continues to report incorrect information even after a representative from XXXX XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX XXXX XXXX reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : XXXX - XXXX   XXXX XXXX reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

EQUIFAX - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XX/XX/XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX - XXXX XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.
Please know that I was not late on this account. I wonder why Equifax, XXXX and XXXX report it as late XXXX/XXXX   XXXX when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
There are three inquiries on my credit report that I did not authorize. I submitted letters to the credit bureau stating I had no idea who these companies were .. They are still there so I resubmitted to all three agencies and it still remains on my report.
Today is XX/XX/XXXX, I have contacted XXXX about two XXXX accounts updated than added to two accounts that were paid off. These accounts are all listed as charge off accounts when one that is listed XX/XX/XXXX and the other was XX/XX/XXXX. The accounts were recently reported XX/XX/XXXX. Documentation shows only two accounts owed funds and settled. 
Where is there a third charge off? There was never a third charge off. 
There only two accounts one for XXXX and the other for XXXX. 
One account is not reporting any credit information, this a duplicate. 
I don't understand, how Capital One continues to injury my credit standing when all account ( 2 accounts are settled ). 
XXXX and XXXX need to remove this dummy account. They will validate or provide this unknow credit account the third. 
Executive Managment- I have been communication since XX/XX/XXXX, no resolve. 


XX/XX/XXXX- XXXX XX/XX/XXXX-XXXX
I reported Identinty theft when I noticed. A lot of things on my credit is not me I filed the proper channels immediately but still Im the one wiped out my bank account credits cards max out and my social security and all my personal info being spread around
I am a XXXX and I have a large amount of debt from XXXX school. I have been on Income Based Repayment ( IBR ) since I started XXXX in XXXX XXXX. Later in XXXX, when it was time to re-apply for IBR, I filled out all of the paperwork and submitted it on time. I received confirmation that my paperwork was received, and ultimately it was approved. When my first bill for XXXX XXXX came, it said I owed over {$1700.00}, where my payments listed on the IBR approval were only ~ {$400.00}. I called and was told there was nothing to do and that I owed the $ 1700+. I requested to talk to a manager and was repeatedly refused until the person finally agreed. I spoke with several managers, and was repeatedly told that they did n't know why, but my IBR payments do n't start until the following month. No one could tell me why, since the paperwork was on time. I told them that I could not pay it, and they repeatedly said that the only option was to put my loan in forbearance. I told them I should not have to do that because I can make appropriate IBR payments that have been approved, but they said the only way to not have to pay that $ 1700+ was to enter forbearance. They told me they could put it in forbearance for just a day, then I could make the IBR payments. I did not want to be placed in forbearance since that messes up my consecutive payments and also uses up my forbearance, but they gave me no other option. 

Additionally, my first year of IBR my payments were ~ XXXX per month. The following year, where my income increased by over {$5000.00} per year, my payments were ~ {$180.00}, which did n't make sense to me how that could happen. I called multiple times to make sure I was paying enough, and no-one would tell me how it was calculated or why the new IBR would be lower given my higher salary. I explained why it did n't make sense, and the people agreed it did n't make any sense. They told me not to question it because the payments were lower. I am now concerned that these payments will not qualify for federal student loan forgiveness programs. 

Every time I call them, I get a different answer for the same question, and I have been told multiple times things that are not true. I feel like they are always trying to get me to go into forbearance. Now all those documents are gone, because they only post them online. I did n't think to print them, and they are gone after 12 months online.