WillisBack/dataset-financial-user-claim huggingface dataset:
There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completedThere is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX in the amount of {$6300.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed
I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.
I have made mortgage payments to Select Portfolio Servicing Inc. They failed to report receiving the payments. 

I need them to correct the statements to include all payments received. 

I also want to request the Note on the property. The mortgages have been inactive on XXXX for years, and the last know servicer is XXXX XXXX XXXX, so why is SPS my servicer, do they have rights to service my loan, who gave them this right?
I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on    XXXX   XXXX   XXXX   . They (  XXXX   XXXX   XXXX   )  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX  management, they keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged my  credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  XXXX   XXXX  must be addressed as the rep on the phone on    XXXX   XXXX   XXXX   ,    XXXX   XXXX   XXXX     (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my   XXXX      years ever hit my credit with a HARD inquiry for a simple, few  hundred doll ar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a coupl e hundred doll ar credit line increase.
Have been using DirectExpress Card to receive XXXX. payments and have read and followed the " fine print '' only to send the pertinent information via U.S. Mail only to receive no response and for DirectExpress to be in breach of their own " terms. '' According to F.B.I. website information on debit cards that have funds deposited to them this constitutes a fraud. 
After making online transaction that the telephone check states the balance has been reflected without a HOLD. The company is stating different from what I have recorded after transaction. The company are " pulling a fast one '' on us benefit receipients.
My credit card is current. It is significantly below the credit limit. Citibank declined my card for a {$360.00} purchase. I was embarrassed at the store and with the clerk. I had to return home to locate a different credit card and return to the store to complete the purchase. Citibank denied the card was declined. The representative was unable to help me other than deny they declined the purchase, which was a lie.
I fell on financial harship they closed my account, then it was opened up again. Now they said I told them to close it and I got the behind payments caught up and tried XXXX time to get it open. Now, I am going through you guys to get my card opened back up again. Usaa has not been veteran friendly, if you fall on financial hardship. I told them what was going on numerous times and it still didnt help me out.
I am paying over the amount of my monthly minimum payment and the company will not let me elect to have my overage payment go towards principal only. This was for a XXXX study loan.
Took out a, loan of {$550.00}, payments automatically taken from my XXXX card for {$100.00} on the XXXX and XXXX of each month. Interest rate is % XXXX totalling XXXX being paid back on a {$550.00} loan. I have since lost my job.
this company has been on my report for over 7 years for an acct that is not mine at a apartment complex that I did not lease it. so if not removed I will sue them for my creditworthiness. the credit report show it every time I disputed it 3-4 months ago and no remove or answer
I have an investment property. Initially the bank said based on the federal requirements I must escrow the taxes and insurance - based on certain requirements. However - last couple of months the same bank has been hounding me to refinance - specifically saying that if I do, buying some points, and go through the entire refinancing process - which is about {$5000.00} in closing costs, PLUS the points I have to pay, they can remove the escrow. 

The interest rate difference is and the cost is burdensome for me. I have satisfied all the rules to remove the escrow requirements. The bank is refusing the remove the escrow requirements siting the law - however - the law doesn't say if you refinance the escrow can be removed. 

When I question it - they are being very vague and in cooperative and have been made to run around in numerous phone calls and email exchanges. 

The bank is being unreasonable in their requirements - without adequately explaining. either they are violating the law - or squeezing the consumers to spend money by selling points. To sell these points for {$1000.00} they are making the consumers spend over {$5000.00} in closing costs
The debt in question is based fraudulent charges on a department store charge card in XX/XX/XXXX, a card we never used. We had just returned from living XXXX for XXXX years. I thought this account was closed. It is unclear how our account information was stolen, but it was. When we saw the charges on our bill, we claimed they were fraudulent and we denied the charges. XXXX XXXX agreed at the time soon thereafter. My credit report in XX/XX/XXXX listed the debt as " uncollectible due to fraud ''. In XX/XX/XXXX. Portfolio Recovery Associates, Inc. began to call me and this has continued to the present day. Every time they call I tell them clearly : 1 ) The charges are fraudulent ; 2 ) The department store agreed they were fraudulent ; 3 ) I will not ever make a payment 4 ) Do not ever call me again. My number is on the national do not call list. In the past few months I am now receiving XXXX or XXXX calls per day from people identifying themselves as from Portfolio Associates, but all with different phone numbers so it is impossible to block. This has moved well beyond annoying and is now harassment.
I have requested my free annual credit report from all XXXX Credit Bureaus ; of which I received from XXXX and XXXX. Equifax constantly states my information given does not match their records. So I then go to the Equifax website to try to dispute info on my credit report. Again, I still receive the same message. I have a XXXX account and I put the same info they have listed on their into Equifax online dispute form page and it sates, " Information does not match their records ''. So I call Equifax and am told to fax over documents and if I want to gain access to my credit file online I would have to pay for it. I believe Equifax is giving this prompt out to many people so that they can sell you your credit report and make profit. The information I 'm putting in is the exact same as I see on my XXXX XXXX profile page. I currently do not have a mortgage, car loan or credit cards but the security question prompt will not accept " None of the above '' as a response.
I received a letter from Commonwealth dated XXXX XXXX, 2017 stating that I owed {$700.00}. I sent them a certified letter for debt verification with a bulleted list of validation points : 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 In a letter dated XXXX/2017, they show diagnosis codes with no explanation, a CPT code and an amount. But, on page 2 it clearly states : Date Billed XX/XX/XXXX Amount billed XXXX Write Off Amount XXXX Deductible Amount XXXX Co Pay Amount XXXX Total Patient Due XXXX Prev Patient Pmts XXXX Cur Patient Due XXXX They have failed to verify the debt ; in fact sent me proof that there is n't one. There is nothing showing I agreed to pay. There is nothing showing how the amount was calculated ( no itemized fee ) or what it 's actually for ( diagnosis codes and a CPT code are meaningless ). No proof regarding their ability to collect is included either.
I submitted a complaint over a month ago. That complaint is XXXX. 
I have still not received a copy of the investigation and full copy of my credit report. I was recently denied credit due to inaccurate Equifax information, but I do not a full copy of the report so I can not dispute the specifics. I am attaching the credit denial letter.
I received notification from the credit bureaus that a debt collection was added to my reports in XX/XX/2018. I did not receive any prior notification of this debt nor was I allowed time to dispute this collection. I do NOT have a contract with this company. I called the company in XX/XX/2018 and spoke with XXXX XXXX, and she stated that she was a team lead and that they did not have to notify me prior to reporting to the credit bureaus. I am requesting that this collection is removed immediately from all three credit bureaus.
I have XXXX different federal loan service providers : XXXX and XXXX XXXX. I applied for a forbearance on my loans until XXXX. XXXX was relatively easy but XXXX has been really complicated. XXXX XXXX is the service provider for my perkins loans, I filled out the form needed to apply for forbearance as directed and mailed that out. When I spoke with a customer service representative from XXXX last week, they said that the form had been received and to keep a look out online for my account to be updated. This week, I end up getting a message from XXXX saying that I had been approved for a forbearance with the exact dates I had requested for my XXXX XXXX ( which is serviced through XXXX ). I dont know how but there was a mix up and when i tried to talk with XXXX customer service they said they had nothing. They didn't try to help me trouble shoot, they basically told me that the notes on the last call I made claimed that they told me no forms had been received XXXX which was not what happened XXXX. Ultimately, I dont know where the mix up happened but XXXX XXXX is making it really difficult to get things in order so that I won't have a late payment. I tried to do all this to avoid a late payment on my XXXX XXXX and they've just made things so much more difficult.
I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns
I ca n't get any information from Equifax , I do not know what is ask of me. inreferrecne to XXXX accounts supposedly I open, problem is I have no acknowledge of these. there fore am not allowed any information. ca n't prove this me. I called and the same,. I have never been able to get a report from this company since 2012 for the same resons. I never bothered to look into this matter. but now on my credit report there are showing an incorrect information that is affecting my score.
XXXX XXXX, 2017 my credit scores dropped 2 and 3 points with XXXX and Transunion.My credit scores should be at the excellent pinnacle by now, but are always being knocked down just beforte the excellent range. Is this intentional? to keep me from paying the lowest insurance rates. There is never an explanation behind these actions which make them suspect. My account balance on my mortgage payments are always reflected leter than they should. The previous complaints I made never offered me an explanation. Please put my credot scores to excellent where they belong and offer an intelligent explanation of any future changes that occurr.
I wrote a letter in response and follow up to a phone call I had made to a representative of Pay Pal and was instructed to send Pay Pal a letter documenting a complaint that I felt borders predatory practices. 

" On Monday the XXXX day of XXXX, I was asked by a property management company if I would sign up for a pay pal account to pay an invoice they had prepared for me. It did not appear to be that big of an inconvenience, and thought in doing so, I may use from time to time when vacationing via XXXX, to pay for stays seeing it is widely used throughout XXXX. After joining, I paid a small invoice and thought nothing more about until I received a letter dated XXXX/XXXX/2015, stating I had been denied credit. I know that I had not requested any credit cards with pay pal, or any other type of credit, I became alarmed that someone was using my information that I provided when joining pay pal and quickly called to cease any malicious action on my behalf that may be occurring. After speaking with the pay pal representative and her looking over the online correspondence, it appears, from her account that I entered the last XXXX of my social thinking that it was part of signing up for a pay pal and inadvertently requested credit on my behalf, which I most certainly was not aware of! She told me that this is a common mistake and to write this letter. With that said, I feel that the way in which the credit is presented appears to be consistent with the remainder of a pay pal account, and most definitely not a third party/bank ( XXXX XXXX Bank ) soliciting and extending credit. I believe it is predatory in nature and a reputable company such as pay pal should remove immediately and or make VERY clear what the nature of the pop up window is. 

I kindly request that pay pal remove any and all request for credit off my credit report. 

Thank you in advance for your cooperation. 

Sincerely, XXXXXX '' Last XXXX of SS : XXXXDOB X/XX/XXXX
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax, XXXX, XXXX To all three credit agencies Please accept this letter as a written request to perform an internal dispute along as an affidavit with the following account information of fraudulent items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Account # 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.  XXXX XXXX XXXX 5. 
INQUIRIES : attachment of pictures on the fraudulent inquiries as well. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 72 hrs of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX XXXX
Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.
US bank for the past month has put a hold on my account due to a returned check. Since XXXX I have been having problems with them, they have closed a couple of my accounts without due diligence of verifying any information with me and have also opened account without my authorization under my name. US bank has been refusing to give me specific accurate information about my checking account. They were stating that I have a check that they were unable to verify, but it did get deposited and instead since they are not able to verify, they will just deduct that money from my account they are forcibly closing and then send me the remainder. US bank had restrictions and a hold in my account where no deposits or deductions were to be made, but they still let another deposit in the account and continue to deduct money without my authorization. US bank has been unprofessional and their communication about my funds that I work hard for has been incredibly a big financial issue and stressor.
THIS COMPANY PRESSLER AND PRESSLER LOCATED AT XXXX XXXX XXXX XXXX, NJ XXXX THIS FIRM IS KNOWN TO RIPP PEOPLE OFF, IT 'S TIME TO REVEAL THIS LAW FIRM FOR WHO THEY ARE THEY THREAT PEOPLES, THEY BECAME RICH RIPPING PEOPLE COLLECTING OFF THE POOR, THIS FIRM NEEDS TOO BE SHUT DOWN THEY ARE FRAUDLENT LAW FIRM, THE ARE THREATING TO TAKE MY FUNDS, PLEAS INVETIGATE THIS XXXX, THEY ARE HARASSING ME THIS IS UNJUST.
The house is supposedly has a Sale Date. I 'm using agency to help me. But I do n't understand neither the Agencies or the Bank with Mortgage. I 've turned in all the paper requested. But I 'm very confused not getting any help or answers. And at this point I 'm desperate do n't know what else to do!
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXX XXXX  assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX  should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
I have mailed and called numerous times to Experian that XXXX XXXX NJ XXXX does not and never has belonged to me. I want this address removed for my credit report! I told them wherever they are getting this information it is incorrect. How can these credit agencies play the rule of XXXX and do what they want! Please help me get this address off my credit report. They are the only credit bureau reporting this incorrect address