WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint- XXXX  , Experian and XXXX- Submitted several times- copy ( s ) of police report ( s ) a few years back also requested FRAUD alert ( s ) to be added to all 3 Major Credit Agencies and recent shown : submitted a letter from a Major credit card company just from last year where someone attempted to apply for a Credit card in my name sent several copies to each credit agent. Sent certified letter ( s ) asking for accounts to be remove ( XXXX  and XXXX XXXX. I have in those letter ( s ) requested a wet ink copy of signature documents proving that these accounts belong to me according to my rights. No info has ever been sent showing proof from XXXX, Experian or XXXX  that these accounts belong to me. Following accounts that need to be removed from all- 3 Credit Agencies 1. XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 2. 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  3 . University XXXX XXXX - $ XXXX Experian XXXX XXXX XXXX XXXX XXXX $ XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian If my files were to be pull from All 3 Credit Agencies an investigator would see police reports that were sent from a few years back also a recent letter from a creditor from last year where someone tried to obtain a credit card in my name. Along with several CERTIFIED LETTER ( S ) THAT HAVE BEEN SENT NUMEROUS OF TIMES REQUESTING THE ACCOUNT ( S ) TO BE REMOVED!
I made a payment to payoff XXXX loan from FED Loan Servicing. The date the loan payment was disbursed XXXX/XXXX/2013. On XXXX when I made the payment the balance was {$810.00}. When I logged in on XXXX XXXX, I have a balance of {$14.00}. The operator gave me some explanation that did not make sense. I want a check refunded to me in the amount of {$14.00} that I made again today.
I was went to the ER and did not have insurance and was unemployed and was placed on an indigent program where I would not have to pay. I was surprised to find out that I allegedly owe this debt.
A company called Ditech apparently have purchased our mortgage. We have called them and vice versa, and they will not talk to us unless we agree to have them record the conversation. We do not agree to this, so they will not provide us with any information or listen to our questions.
I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and Discover accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
On XXXX XXXX XXXX I opened a Citi Gold checking account with Citibank with an offer stating I would receive XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria. The criteria 's were XXXX ) making {$1000.00} in debit card purchases and XXXX ) making XXXX bill payments in 2 consecutive months, in accordance with promo code XXXX. On XXXX XXXX XXXX I called Citibank to make an initial deposit to fund my newly opened checking account. During that call the Citi Representative confirmed that I was enrolled and qualified for the promotion as long as the requirements stated above were met for receiving the XXXX miles. Then on XXXX XXXX, XXXX I called to activate my new card and confirmed the promotion details and that it was rightfully attached to my account, making me eligible as per the offer presented to me originally. I followed that call by another call around the end of XXXX to confirm {$1000.00} in spending was met, where the Citi Representative again reassured me the promotion I had signed up my account with made me eligible for XXXX miles upon completing the required criteria and it would be credited in a couple of billing cycles after the cycle in which they were met. Once I had met all of those criteria ( by XXXX of XXXX ). I called again in and confirmed with a Citi Representative that I had met the criteria, and was told to expect the XXXX XXXX XXXX XXXX to be deposited into my account by the end of XXXX XXXX. On XXXX XXXX, I called again to update my contact and address information, and during that call I again inquired about the status of my promotion bonus, the Citi Representative reviewed my account and confirmed that I had met all the requirements and to expect the bonus by end of XXXX XXXX. 
Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They are now suddenly stating I am not eligible for the XXXX promotion. This is despite multiple conversations and reassurance and confirmations from Citi Representative over the course of 6 months. This is not right and I 've been lied to all this while. 
I am asking that Citibank uphold its promise and rightfully award me the bonus points that I deserve. It is not right and outright cheating that they do n't have to uphold their end of promises or pull such bait and switch strategy and get away with it.
I have been making on time payments to XXXX XXXX XXXX Jared 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.
I opened a Bank of America Travel Rewards Credit Card in XX/XX/2018. They had conditions when opening a card, if you spend {$1000.00} ( in stores! ) for the first 3 months of use, you will get XXXX bonuses. As a result, I spent {$1000.00} for 3 months but did not receive bonuses! Fake information on the BofA web-site and on the terms and conditions of the credit card luring customers to open your cards?
Experian-XX/XX/2017-After agreeing to {$1.00} charge for report and cancellation within 7 days called over 1 dozen times to cancel subscription. Phone is put in a " were sorry '' loop and never answered. They continue billing me and my Bank says they can not stop {$21.00} charge.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH. XXXX Subject : Notify us of property vacancy ( response ) Loan XXXX Homeowner : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Policy : XXXX Whomever it may concern : Our communication with you regarding this property has been extensive. We have made multiple attempts to work out some form of equitable solution for the return of this property including but not limited to Deed in-Lieu of Foreclosure and Short Sale. These communications with you are all clearly recorded in the conversations that you save when we call in. 

We offered to keep the property maintained to ensure the best price the market would allow, but you refused our efforts. We began contacting you about options in XXXX of XXXX 

In addition, the day we received your notices regarding insurance, XXXX XXXX letters dated XXXX & XXXX XXXX the property had all the locks changed and a lock box installed on the rear door of the residence. We received no notice that this was going to be done, which is against the law. We have been regularly harassed by Wells Fargo during the course of our occupancy of this residence by multiple tactics employed by your firm. In fact, we had our elected State Representatives office get involved with you informally and filed complaints that have been substantiated and recorded by the CFPB. Our experiences with WF included various unethical financial withholdings, improperly calculated tax documentation and subsequent amendments to taxes ( again this year, so we have to do ANOTHER amended return ), misapplied payments, improperly applied interest corrections and inaccurate reporting to multiple credit reporting agencies ( which continues today ). 

We did not abandon this property, but did vacate the premises with the intent of cooperating with the necessary steps to return it to you. The policy for the home was terminated at XXXX XXXX on XXXX. Our insurance carrier notified you of this. We have not received any funds related to policy payments from them. 

I assume that the correspondence to us via regular postal service is a legal requirement, since you routinely contact my wife and speak to her about this situation. 

The home is now inaccessible to us because all the locks have been changed. 

Regards, XXXX XXXX
I kept getting calls from XXXX, I would answer and no one on other end would answer, I finally called them back and it turned out to be American Medical Collection Agency. Trying to collect {$12.00} from a lab company. They had name of my Doctor. I went to My Doctor 's office & raised XXXX about turning over {$12.00} to a collection agency, as I keep a {$0.00} balance on my account with them after my insurance pays them. They looked into it & told me to beware of a scam. Had n't heard from this collection agency for awhile, now they started calling again. I got some guy with an XXXX ( country ) accent start threatening me, said he was recording call. So being 100 % XXXX, I told him " record this '' & I introduced him to some stress reliving swear words in my XXXX accent & told him I was going to report them to the FBI. I could not find where to file a complaint with them. Your site came up, so here I am. I am a little worried about some sort of scam, not the {$12.00} they think I owe. They had my Doctor 's name, my phone number, and my e-mail address. This worries me the most. I looked up the number on line, and it seems this company is very " shady '', as there seems to be many lawsuits being filed against them. I would like you to contact them and remove me from their call list.
I received a credit alert from my monitoring subscription that there was a new derogatory item reported. I have not received anything from this company via mail, email, fax or phone. Therefore, I have no idea who they supposedly say that I owe money to.
On XXXX XXXX, the Transunion Credit reporting agency removed XXXX inquires ( XX/XX/XXXX-XX/XX/XXXX ) from report raising my credit score XXXX points. Two weeks laters, they added all of theose inquiries back pushing my lowest score low enough that we wo n't be able to purchase a house. When I called the Transunion to ask them to remove the inquiries, they told me that they did not remove any inquirires. Despite having screenshots documenting that the XXXX inquiries were removed, then re-added, they denied doing it and said that if I wanted the inquiries removed for me to please go back to the creditors.
SunTrust home equity line of credit statement cycle was XXXX XXXX, XXXX to XXXX XXXX, XXXX. Payment for this cycle, of {$690.00}, was made on XXXX XXXX, XXXX and is correctly reflected on this statement. Website incorrectly showed statement date as XXXX XXXX. Another payment for the following cycle was made on SunTrust website for {$690.00} on XXXX XXXX, XXXX and received on XXXX XXXX. That XXXX XXXX payment DOES NOT appear on the XXXX XXXX, XXXX statement. SunTrust also did NOT credit the payment for the current billing cycle, and claims another payment is still due. 45 minutes on the phone and XXXX different representatives, and repeated explanations, and no resolution yet. Claiming they will research and get back to me.
I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.
I signed up for the AMEX Starwood Preferred Guest Business credit card. I applied for the card on XX/XX/XXXX and was approved by XX/XX/XXXX. 

The promotional terms of the offer was XXXX SPG points for a minimum spend requirement of {$8000.00}. I put a {$20000.00} charge on the credit card and payed the balance off in full on XX/XX/XXXX. 

I received approximately XXXX SPG points for the charge I put on the card. However, the bonus points of XXXX SPG points never posted to my account. 

I have opened numerous inquires with AMEX and they keep insisting it will " be another 6-8 weeks to complete the investigation '' I have spent several hours communicating over online chat with AMEX. 

Attached is a confirmation with an AMEX representative confirming the bonus spend and terms were met and a receipt of payment from AMEX.
This debt is from a XXXX hospital, I do not have any XXXX. 
I called the hospital direct n they have no records of my name showing anywhere and they also told me they do n't use this company for there collection services. I also spoke to the collection company the hospital does use and they have no records anywhere. I XXXX this company and the number that shows is not in service. How do I respond or try to get this resolved if there is no phone number or email address to explain to them that I do n't have XXXX and that I do n't go to that hospital. I go to XXXX
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX   regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :
I contacted Grant & Weber on XX/XX/XXXX and requested proof that this was my debt. I would like them to send me all the information pertaining to this debt. I do n't believe it 's mine.
I have requested in writing to this company proof in writing showing that this account belongs to me and to send me proof of my signature showing the same. They keep ignoring me and now they send me a letter with some attachments containing some charges under my name with no signature proving that this belongs to me. This account does not belongs to me.
There are XXXX main issues. 
1. The debt relates to a cable box that XXXX collected from me and replaced with a newer model, which they then lost. I called XXXX to report that they had collected the box, they said that they would attempt to find it, and then I received the collections letter without any further notice from XXXX. I do not owe this debt as I did not keep the box. 
2. When I try to call IC Systems, I repeatedly enter all information, am told to hold, and then the phone disconnects. There is just no way for me to get in touch. When I enter my information on their website, XXXX they tell me to call, and when I call, I inevitably get disconnected.
They have a robo dialer calling the number. I have not received anything in writing saying I owe a debt and to my knowledge I do not. The robo dialer simply plays a recording telling me to call them. These calls have occurred when I am not able to do so in order to get this resolved. For example, they called today ( Sunday ) and told me to call during business hours. The business hours provided did not include Sunday.
This complaint is for XXXX  and Experian. I was a victim of identity theft and sent in my police report and both of these bureaus refuse to block the negative reporting of these items, although they have to by law. I have been in contact with them several times and haven't been given a reason as to why they haven't removed this information. These items were made without my knowledge and i am now being negatively affected by these items and i am not getting assistance with this issue by the credit bureaus. this is my third complaint.
Hunter Warfield has continued to contact me regarding a debt with " XXXX '' for which I have never been a part of. In addition, they have been sent a debt validation letter from XXXX after placing an account on my credit and have yet to get a response, although the collection attempts continue. The account shows payments made on it however I have never paid the company a dime. This is not my debt. I receive upwards of 3 calls a day to my cellphone and have started to get calls at a previous employers office for which I never gave the number out. On my credit report, it shows I am disputing the debt however, they continue to contact me.
On XX/XX/2018, I submitted a written dispute to Experian. While they addressed my most of my concerns and removed the accounts that I had no knowledge of, there is one account that I disputed that is still showing on my report and does not appear to have been investigated. While I am certain it is merely an oversight, I do need the account with XXXX XXXX removed from my credit reports immediately. I have contacted the creditor directly and they have been unable to provide any form of debt validation or verification of the debt. For your convenience and swift processing, I have included a copy of my original dispute letter and a copy of my results from XXXX showing that they also deleted this erroneous account from my credit reports after further investigating the matter.
I applied for a loan with ACE Loans. After submitting the proper paperwork I was denied a loan. I asked for a valid reason and was not given any specific reason. I called their main office and was also given the run around. I think this is a very questionable operation. They take your personal information and then do not offer a valid response like most lenders.
XX/XX/XXXX, Discover make a hard inquiry for finance Institution Information Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX
AD Astra has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that AD Astra verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If XXXX is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. AD Astra also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. The numbers are as follows, but are not limited to, because I have a very extensive call log from AD Astra : ( XXXX ) XXXX XX/XX/2017 @ XXXX, XXXX, XXXX, XXXX, XXXXXXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 @ XXXX @ XXXX @ XXXX ( XXXX ) XXXX @ XXXX XX/XX/2017 ( XXXX ) XXXX @ XXXX XX/XX/2017 @ XXXX XX/XX/2017 This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue. Phone calls from AD Astra needs to immediately cease and this account needs to be properly verified as requested above or removed immediately.
I am writing to dispute ( XXXX ) marks on my annual credit report. 
# 1. SYNCB/Chevron PLCC # XXXX I did not personally open this account but was added as an authorized user for the account. I never physically had a credit card in my possession for personal use. The primary account holder and I are not in contact with each other and to my knowledge all charges on the account had been paid in full. 
# 2. SYNCB/JC PENNY # XXXX This account was opened and kept current until XX/XX/2009, when I experienced some financial difficulties and was n't able to keep my account current. Once I was able to get some steady income, I reached out to customer support at JC Penny and nobody was able to assist with me trying to pay back the balance due.
On XX/XX/2018 XXXX XXXX XXXX XXXX, placed inquires on my credit file, and illegally retrieved my credit file. 

On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.
I received a XXXX or Loan to Learn private student loan for 8000 approximately. I was paying out of state tuition at the time and had to get. Private student Loan. Once I graduated XXXX contacted me to set up payments. I sent three payments with money orders. My fourth payment got sent back to me and so did the fifth. I contacted them and I was told that my loan was bought out. I was told I would be contacted on who to send payments too. I was never contacted. I then got a judgement placed under my credit which is triple the amount borrowed. Now I make payments to a lawyer. I have not received tax forms. I am unable to talk to someone about the balance, tax forms, and possibly a pay off amount. On the website the phone number is not valid. It only provides an email address and I have used this method of contact several times and only get told tax forms were mailed yet I never received mine. I ask more questions and never get a response
I have attempted to get the information owed to me by law by account control bureau. I have asked them multiple times, to prove this debt is valid, Ive also asked for the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. I have contacted the company with no response, I have made a cfpb complaint, with no response, and made a better business bureau complaint, and they responded, but when given the information they requested, did not respond with the information required of them by law. I have also disputed with the main credit bureaus, who have stated it meets fcra  requirements. They are breaking the law ( Fair Debt Collection Practices Act, 15 USB 1692g Sec. 809 ( b ) ) I am enclosing a copy of the BBB complaint ( BBB CASE # :  XXXX  ),  a copy of the original cfpb complaint. (  XXXX  ). Please also see complaint s (   XXXX ,  XXXX ,  XXXX  ) That was sent to the credit bureaus in regards to their dispute practices.