WillisBack/dataset-financial-user-claim huggingface dataset:
To Whomever This May Concern : My name is XXXX XXXX. Last week I reached out to Experian because they have someone else information on my credit report. I submitted disputes. I submitted a police report and my DL as well. I received an email from them stating that they needed another police report or all pages. I have submitted all pages of the police report. There are no additional pages. I have submitted everything that they have requested. The accounts that are not mine are as follows : XXXX/XXXX  XXXX XXXX Now XXXX XXXXt XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I am not pleased with what is going on and what they are not doing and how this information has not been removed and/or blocked from my report. I need this removed and rectified asap before they find themselves in the middle of a lawsuit for having information on my report that doesn't belong to me, that isn't in my name, and that isn't associated with me at all.
I used to pay my loan on time to the Department of Education every month but then they transferred me over to XXXX XXXX and I was n't allowed to make any payments for up 2 months until all my information was transferred over to them which took 2 months and now my credit report is saying I missed 2 payments. There are also XXXX addresses on my credit report that I have never visited or lived at
On XX/XX/2018 I made an agreement of payment for an Sync/XXXX account that is negatively listed on my CRA 's to be to be removed. The company agreed to delete this tradeline from all credit reporting agencies and sent me a letter of agreement. I've submitted this letter along with a dispute to the credit reporting agencies for deletion and Synchrony keeps returning the dispute as valid information and not complying with the deletion.
I applied for a vehicle loan in XX/XX/XXXX with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, GA. The loan was approved with collateral of the vehicle, however, the loan officer, XXXX XXXX XXXX XXXX told me that the bank wanted a Certificate of Deposit in the amount of {$5500.00} to be held for 12 months. Within that 12 months of payment history, if I paid on time the bank would release the {$5500.00} certificate of deposit. The CD 12 months period matured on XX/XX/XXXX, however, when I went to the bank today to retrieve my money the bank official stated that the CD for {$5500.00} was to be held for the entire loan period of 48 months or until I paid off the loan. 
The CD for {$5500.00} was not to collateralize the loan. I have the executed " Note, Disclosure, and Security Agreement '' that shows that the vehicle only was to secure/collateralize the loan.
On XX/XX/XXXX I received a letter from Capital One that stated that I was being denied a credit increase on the account ending in XXXX for the following reason : A credit limit increase is currently not available upon request because Capital One is evaluating account activity at assigned credit limits. 
I request that Capital One provide the following : The specific account activity that was used to deny my request for credit. 
A copy of my credit report and score used in this determination A copy of Capital Ones guidelines and policy for granting credit line increases. 
Facts : Credit Utilization Acct. # XXXX = 17 % late payments = 0 History = >7 years Resolution : I ask that Capital One reverse this negative credit decision based on the facts and my more than 7 years of perfect payment history. My income and payment history do not warrant a denial of credit. Capital One should ensure that no discrimination or unfair practices are affecting this decision. 
I have a stellar account in perfect standing and yet no credit line increase request has been granted in approximately 4 years. I ask that a detailed review be conducted and that my request be granted based on my history as a model customer of Capital One.
Discover card lowered my credit rating and removed over XXXX worth of credit from my credit line based on an inquiry that " just happened '' to be at the highest point of my credit debt. This occurred in XXXX 2016. In the last 60 days I have paid off XXXX worth of credit card debt and Discover will not do another inquiry for me, without doing a hard credit pull, to ascertain if I am worthy of more credit. I have several credit cards and all of them are in good standing. None of them have requested a credit line decrease.
I had leased office space because of a contract with certain performance issues by the other party so my expenses increased. Because the party did not perform I did not make any income forcing me to get a job with a lower income. This caused me to make payment lower then the amount due. Capital 1 took my security deposit, applied it to the balance and then closed the account despite the fact that I was making good faith payments to demonstrate I wanted to meet my obligation I just did not have the funds to pay the total amount due.
I was switching from XXXX cellphone carrier to XXXX. After my final bill arrived it was paid in full. In meantime XXXX XXXX  posted collections on my credit report for the amount of the final bill from cellphone carrier. When I called XXXX XXXX to ask why they put collections on my credit report they replied that I owed them money but do not owe anymore. I asked can they validate the debt they referring to and they refused me to provide any information on it claiming that account has been closed. I asked them to remove collections if they are not able to validate debt and provide any relevant information they refused to do so. My credit report dropped 30 points causing damage because of that posted on my report and they can not provide evidence of the debt owed in the first place. I asked them why they are refusing to remove negative information if they are not able to validate the debt, they reply that XXXX hired them to post negative information on the former customer accounts. I was shocked by that reply and had nothing to say further.
Company re-aged an account as a new debt reporting and claiming for XXXX. Once I advised I have not been in medical facility since XXXX, the date was changed to match my statement. I have disputed thru credit bureaus. However, it continue to stay in my file without providing me with documentation. I request full validation including copies of insurance XXXX to provider where it shows I am liable for payment. I believe that all my liabilities -copays and coinsurance-were met at time of services as required by the facility in XXXX. That was until this account appeared in my credit report in XXXX. The collection agency has refused to provide additional information by not responding to any of my multiple requests.
Stated debt was opened on XX/XX/1991. I was XXXX years old and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.
I am from XXXX county Indiana XXXX XXXX XXXX XXXX of XXXX  XXXX Indiana of XX/XX/XXXX Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX  XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX   XXXX XXXX XXXX XXXX Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and  semi truck business permits Schools and school products and services and building permits business and advertising
My personal information has been released to the public. My Social Security number, birth date, and addresses were included. I am not sure yet if my credit card numbers or driver license have been affected.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
On XX/XX/XXXX I attempted to file a dispute through Equifax. The dispute was in response to six items showing as being in collection from a collection company I had never heard of. The collections were report in XX/XX/XXXX. They were reported as PAID and stated they were opened in XX/XX/XXXX. 

I tried to initiate a dispute through Equifax 's online process ; however, their system logged me out when I attempted to process the dispute and would not allow me to log back in. 

I initiated the dispute through an online contact form around XX/XX/XXXX. On XX/XX/XXXX, Equifax emailed me stating the " dispute has been completed. '' I was unable to view the results online. I called their customer support. The representative said the dispute was completed because the collection showed as PAID. I told her I did not believe the collection was valid. She became confused as to why I wanted it removed from my credit report even though it was disputed. I convinced her that I actually did want to dispute the collections. 

I received another email on XX/XX/XXXX saying the " dispute has been completed. '' Again, I could not view the results online. I used their online Chat Support system. The representative just said I could not log in because the system was down. It is XX/XX/XXXX, and I still am unable to view my results. 

To make a long story short, Equifax made it difficult to dispute invalid collections on my account. They closed the dispute without making a proper investigation. They made it difficult for me to get them to conduct an investigation. They are not providing me with the final results of the dispute. Also, the invalid collections are still showing on my account. 

I have attached screenshots of relevant emails. I do not have the recording of the phone call between the customer service rep and me.
I had called XXXX back in XX/XX/2018 after my wallet was stolen to report my card as stolen and to inform them that there had been fraudulent charges made on my account. The employee that I spoke to said that he would get it taken care of. The next month I went online to check the status of my account, and it still showed the charges on the account. I called again to figure out what was going on, the next employee I spoke with said the same thing " we will get this taken care of ''. Next month, the same situation so I called once again, this time the employee is telling me to make a payment. I can't believe it, they still haven't fixed this problem AND now they're telling me to pay for charges I haven't even made ... I made the payment just so I wouldn't have my credit report getting a late. The next month comes around and now I have a 30 day late on my report as well as the balance on my account showing as DOUBLED. The original {$300.00} in fraudulent charges how now turned into {$690.00}. I called XXXX again repeating the situation and the employee tells me they are still working on it, although it shouldn't take longer than 90 days from the day I originally reported it. Well its already passed 90 days at this point ... No solution has been made to this day. I don't want anything to do with this company, please help me!
In XX/XX/XXXXI sent a debt validation letter to XXXX XXXX XXXX. I asked them for proof that They were bonded to collect debt in the state of Texas and validation of this account. They sent me a bill. They did not send validation of said account. I then contacted the Texas Secretary of State. They verified that XXXX XXXX XXXX is not bonded to collect debt in this state. Texas Section 392.101 prohibits third party debt collectors from engaging in debt collection unless they have obtained a surety bond and filed a copy with the Office of the Secretary of state. XXXX   has has not done this. XXXX XXXX XXXX are in clear violation of Section 392.101
My first letter with this company was last  XXXX   2016 . I have been writing letters to this company for more tha n two years. I 've made several request for this company to investigate, re-investigate, requested c opies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in pla  ce even though TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing   at all.
I have disputed this debt several times in which this company was sent a certified letter requesting validation of debt that supports their claim that I indeed owe this debt and the amount in question. Reporting this without the info requested is defamation of my character and it is affecting my ability to enjoy good credit. The FDCPA states I have the right to ask and receive the information that they have yet to furnish to me. I received a certified letter from Receivable Management yesterday that contained a copy of the letter I sent to them which I have attached to this complaint. By law reporting this debt without proof is a violation. I have also attached a copy of my credit report which is dated for today 's date and XXXX XXXX is still reporting it and I 'm not happy. I 'm requesting your assistance in helping me to resolve this matter fairly and quickly.
XX/XX/XXXX - XX/XX/XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called Bridgecrest and asked the Bridgecrest employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to Bridgecrest to their XXXX AZ address. Bri

dgecrest received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus.

I called Bridgecrest and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
Bridgecrest did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX ; and filed disputes with XXXX and XXXX and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the Bridgecrest account as being PAID IN FULL/SATISFACTORY.
Student loans occurred in XX/XX/1998. Once repayment was set up by Sallie Mae payments were made although sometimes sporatic, then year after year on renewal only forebearance was offered. Struggling to build a business in small town in XXXX was rather tedious. Payment books would come in one amount, then another book with different amount with no logical amounts and no options. Upon another renewal time, my Power of Attorney was contacted stating that an Income Driven Program ( IDP ) might help me and docs were sent to my POA via fax, completed, signed by me and returned via fax and mail. However after approval and payment of a lower amt was made, statements the following months were more money and again the following month higher payments. My POA has tried to resolve docs and payments, but nothing from Navient other than " must talk to you first ''. Past years the Servicer would send the docs to my POA 's office and by regular mail, but now Navient has refused to do so stating WE MUST TALK FIRST. My feeling is to go back to forebearance. They are also stating that my evidence of income was never sent which is false, and currently I am under a forebearance, but I have a statement/letter stating " I am currently on an IDP plan. Florida A.G. Atty Office was contacted to join in the lawsuits as other states have done but I think they have closed their file as no correspondence has been sent to me. Navient has not sent the A.G. docs as A.G. requested and I signed an authorization but Navient refused to accept it.
I asked Leading Edge Recovery Services/XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about XXXX XXXX XXXX but are not XXXX XXXX XXXX themselves.
rude customer service. XXXX from reliant capital solutions keep calling me asking me personal questions about my 401k and bank account. I explained to her I do not have any money and she continue to be rude to me. I ask to be transferred to a manager and she refused to transfer me. It got to a point I had to hang up and call again to get someone else who transferred me to the manager. manager was n't even helpful. I asked if they can stop calling me all day and they said no ... ... ... horrible company. my school should be ashamed for hiring this company to collect money from students.
I have no accounts showing that I have ANY accounts listed on my credit file as a bankruptcy. The XXXX bankruptcy accounts on my credit file is n't me. I 've been asking how was this information verified? They can never give me a answer, it 's not verified through the courts because I had written them a letter, and they do n't report to the credit agencies. I want to know what 3rd party information source do they use? I have a right to know because this information is very inaccurate. XXXX has made the necessary changes.
On or about XX/XX/2018 I had missed my most recent local home tax bill. I planned on paying it and knew it would be late ( one other time this happened and I paid late plus penalties ) Then I get a letter end of XXXX stating LoanCare paid the taxes and someone would be in touch with me. That never happened. I received a letter mid month stating my mortgage would go up {$1600.00}. almost double what I pay and have ever paid on any house I have owned. To date I have phoned over 15 times ( hold, put in a call back appointment-no call back, written emailed etc ) I have tried calling as of today 5 times the phone answering system is not working keeps pushing me out or not recognizing the numbers you push to move forward ( push 2 for this put your ssn in etc ). I CAN NOT afford {$1600.00} added to my payment and NOR should I have to. have sent notification I will pay the amount they paid on my behalf and I want my house payment back to the {$2100.00} ( or less if they can and I know they do lower ) for XX/XX/XXXX payment. There was ZERO notice and ZERO replies back to resolve this. Please help me with this complaint
I called Capital One on XXXX/XXXX/XXXX to try to resolve an old charged off account for {$900.00} payment today. The account has a balance of {$1700.00} and I spoke with a representative that says that the account is uncollectable and that they can not accept any payment because I had been issued a XXXX for this debt in XXXX. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.
XX/XX/2016 I ran a credit report check. Unbeknownst to me there showed a collection agency of the amount totaling XXXX. Not knowing what this was for I contacted the number on the credit report on XX/XX/2016. It seems that an old apartment claimed that I owed them a balance for past rent that they sent to a collection agency. I advised that this information was not correct and I wanted to get a copy of the charges so that I could dispute it. I requested both a paper and email copy to be sent to my address and email address of the break down of charges because the agent could not provide me the information I requested on that call.. verifying all my information the agency said that they would get both sent to me. As of yet I still have not received any breakdown of charges or the dispute info that I requested.. But I checked my credit report today XX/XX/2016 and it shows that they reported me again on XX/XX/XXXX and XX/XX/XXXX again still without sending me any documentation or information about disputing. This collection information is incorrect and they are not sending me the information that I am requesting because they do not have anything on which they can charge me for.
I had a credit balance on my AMEX card for almost {$3900.00}. On XXXX/XXXX/2016, I submitted a request for a refund of the credit balance. The amount was deducted from my account and told me to expect a check. Several weeks later, I still had not received a check. On On XXXX/XXXX/16, I called phone # on back of AMEX card. Spoke with XXXX, emp number XXXX. This person said the check had been mailed to my work address ( I never received it at my workplace, and the work address was not the AMEX address of record ). I was told that AMEX would issue new check to be sent to the address of record on XXXX XXXX, XXXX HI. Today, it is XXXX/XXXX/16, and I have received nothing. What especially angers me is that a prior large credit refund took THREE YEARS for AMEX to pay to me. They ultimate did issue a check, but for the original amount without any interest. I had called them during the 3 year period but they had said the check had already been cashed ( which was untrue ). Please, please, help me get my money back!
On or after XX/XX/1016 There may have been a fraud alert placed on my Report. If it was I want it removed.