WillisBack/dataset-financial-user-claim huggingface dataset:
Earlier this year, I had my tax information stolen along with all my personal information such as social security and present/past addresses ( our company was hacked, XXXX employees did not get taxes back ), and while checking my Experian credit report, I had hard inquiries a week apart and negative marks on my account. These are not mine and it is fraud. My credit score has now dropped and I am trying to buy a home in the next few months. I have ran into a couple issues because of this tax invasion and fraud. I have never had a late payment and have always had great credit. 

Thank you for understanding, this has been nothing, but a nightmare this year. 

*example of hard inquiries* XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, SD XXXX
THE CREDIT REPORTING CONFRIMATION NUMBER IS # XXXX. I HAVE HAD CONTINUOUS ISSUES WITH EQUIFAX REPORTING MISLEADING INFORMATION PERTAINING TO DEFAMATION OF MY CHARACTER. THEY HAVE HAD NEW ACCOUNT IN MY CREDIT REPORT UNDER INVESTIGATION FOR OVER 6 MONTHS AND HAVE REFUSED TO UPDATE THE ACCOUNT THE STATUS OF THE INVESTIGATION AT ALL. THEY HAVE ALSO ADDED AN ADDITIONAL ACCOUNT TO MY CREDIT REPORT FROM THE SAME COMPANY AND HAVE MADE UP ACCOUNT OPENING DATES AS WELL AS MAJOR DELINQUENCY DATES. THE ACCOUNT THAT HAS BEEN UNDER INVESTIGATION FOR OVER 6 MONTHS IS ACCT # XXXX.
I opened the card with Citi bank with my phone number, email address and security word. A month later they sent email to my husbands email address asking if he opened the card. He called them from completely different phone number without the knowledge of security word and they blocked my card.
I received an email from XXXX XXXX XXXX confirming that i signed up for their services and purchased XXXX somehwere on the east coast at the XXXX XXXX XXXX store. My identity was stolen, XXXX XXXX XXXX ran twice a hard pull using my social security. I'm curious did XXXX XXXX XXXX perform an identity check before using social security number to run the report. A couple weeks later I received a call from XXXX XXXX XXXX   fraud department saying that they put a fraud alert on " my '' account and said that there will be no hit to my credit score. Well, I checked my credit report and because of they pulled it twice with the difference in 2 days, my credit score went significantly down. I'm just curious, how in the world, XXXX XXXX XXXX did phones financing at the actual location without checking identity. Now I have to report stolen identity and dispute hard pulls and wait for the results because of their poor activities.
I filed a complaint against XXXX XXXX for attempting to collect charges made on my charge account that were fraudulent. XXXX XXXX sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from XXXX XXXX stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of XXXX XXXX / XXXX XXXX and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems XXXX is railroading me to pay this debt. 
In closing, this claim has not been retracted and XXXX XXXX did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.
I would like to dispute the account that  Consumer Portfolio Services  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus fo r Consumer Portfolio as  100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681. T his account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to cont act Consumer Portfolio.    Thank you in advance
XXXX/XXXX/2015 XXXX / XXXX Hard Inquiry not has been deleted my credit file 60 days already passed
AmSher Collection Services is erroneously reporting to the consumer credit reporting agencies ( i.e. XXXX, XXXX ) that I have an account in collection regarding XXXX. 

I have had several debt collection agencies call about this, including one in Alabama claiming to be from the " XXXX XXXX XXXX XXXX XXXX. '' Apparently this is some skeezy law firm connected with AmSher. I explained to the collector there, I was XXXX XXXX military and assigned to a XXXX in XXXX. I discontinued service with XXXX at that point. I received a {$0.00} balance letter from them. I switched carriers. Somehow, some way, XXXX sent a " debt '' for collection. 

I have also talked to AmSher and explained the same. I checked my credit reports and I don't see the item having been removed, or even so much as AmSher reporting the account " disputed, '' which, when I talked to a consumer rights attorney, said that alone violated the FDCPA. When I spoke with AmSher, they told me a needed a confirmation number for payment to XXXX. I contacted XXXX AGAIN to verify the {$0.00} balance with a confirmation number. They, ONCE AGAIN, verified that I owed them nothing. I passed this number along to Amsher who then refused to accept this fact and continued to report the debt to my credit. I have done everything in my power and more to get this situation fixed and Amsher is simply refusing to do what's right. They are obviously not doing their part to verify the debt with each of my disputes, and that is not ok.
I DISPUTED INFORMATION WITH XXXX   AND EQUIFAX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO XXXX.
While in college I utilized Key Bank for XXXX XXXX Loans in order to pay for tuition that was not covered by financial aid. Recently the loan servicer changed to XXXX. I had thought payments had been made to XXXX, however my cosigner received documentation that I have defaulted in the loans. I have received phone calls from Key Bank, but only during hours I am at work therefore can not answer the calls. I have no idea how to access the account through Key Bank or any other servicer in order to develop an affordable plan to get out of default. I need to keep in mind that {$600.00} a month already goes to federal student loan payments. I do not know the account number. My cosigner received 7 letters from Key Bank on XX/XX/18 that according to them were in a threatening manner. My cosigner is now elderly, has limited income and in a frail medical state therefore he can not be contacted especially when I have not been able to speak to anyone.
I MISSED A PAYMENT ON ONE OF MY ACCOUNTS. I DIDNT REALIZE IT UNTIL I RECEIVE A NOTICE THAT MY CREDIT SCORE HAD DROPPED. I CALLED THE COMPANY AND IT CHECKED OUT THAT I HAD MISSED A PAYMENT. MY OVER SIGHT I GET IT. MY COMPLAINT IS I HAVE A 99 % PAYMENT HISTORY THAT SHOULD HAVE BEEN A 100 UNTIL NOW AND THEY DROPPED MY CREDIT XXXX POINTS. XXXX AND EQUIFAX BOTH. FROM XXXX TO XXXX FROM XXXX AND XXXX TO XXXX FROM EQUIFAX. THEY BOTH DROP YOUR SCORE THAN RECOMMEND THEIR SERVICES OR COMPLANIES THEY PARTNER WITH TO BRING THEN BACK UP. MY COMPLAINT IS THESE COMPANIES ARE NOT FAIR. THERE IS NO WAY MY SCORE SHOULD HAVE DROP XXXX POINTS FOR ONE MISSED PAYMENT AND THIS IS NOT THE FIRST COMPLAINT IVE FILE AGAINST THESE COMPANYS FOR UNFAIR REPORTING.
Someone used the last four numbers of my social security account to open an account at XXXX XXXX XXXX XXXX somewhere in Texas for {$1800.00}. I am not sure what date it was, but in XXXX XXXX, 2017 Security Credit Services purchased this fraudulent loan, and proceeded to try to collect this bogus account. I tried to talk to them but they wo n't budge.
Chase Cards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I saw in the news the other day that the CFPB is compiling a list of complaints against banks and presenting the information to Congress. Approx. XXXX years ago I filed a complaint with you regarding the mishandling of my mortgage by Bank of America. The complaint is on file and you requested BofA to respond to my letter. They basically sent a form letter after their " investigation '' and said the matter was closed. They did not indicate what efforts they went thru or if they talked with the employees I quoted in my complaint. There were numerous other similar complaints on google when searched. Basically, BofA worked in bad faith and strong armed my situation. The stories on the internet even stated they paid employees incentives to get mortgages foreclosed. Basically, I was behind due to losing my XXXX because my bank, XXXX XXXX failed and was taken over by the FDIC. I was forced to sell my business in the middle of the banking crises to pay off my business loans. Then while negotiating with BofA they called me to inform me that my mortgage was foreclosed on and I had XXXX days to move out. They offered me {$5000.00} to leave my home in good and clean condition which I did. Then after I moved out they said I did n't qualify for the incentive. So I lost all my equity ( approx. {$250000.00} ), my credit is ruined, housing values fell in the immediate area and so did real estate taxes. All because BofA just wanted to clean up their mess. I believe there are many more people in my situation and are basically helpless against the giant bank. It sure seems like corruption and racketeering on the highest level. 
XXXX XXXX
I tried to use my credit card today, XXXX XXXX XXXX, but it got declined. I called the credit card company US Bank only to find out that my card is delinquent and that I have a balance due since XXXX XXXX. However, I never received the XXXX statement even though I received the XXXX XXXX statement and paid it off in full. If you check my record, I have always and consistently paid off my credit card balance on time and in full. Because I never received the XXXX, XXXX, nor XXXX statement, I have accrued {$110.00} in late fees and interest.
I reported this fraudulent account in XX/XX/2017. I filed a police report and filed out an identity theft affidavit to properly document the activity and report the account. I contacted Wells Fargo multiple times with an affidavit explaining the situation which has been ignored. The responses I have received has stated that they will do nothing and continue reporting this information because they can. The account obviously exist because they sent me an account activity statement, but what they failed to provide is my connection or permission of this accounts existence. My request under section 605B of the FCRA has been ignored and violated by this creditor. The amount showing to be owed is {$2300.00}.
American Education Services ( AES ) has been servicing my student debt ever since XX/XX/2007, for a total debt of {$110000.00}. 

In that time period, I have paid over {$77000.00}, but only have seen my principal drop by {$8100.00}. 

During this time, I have had some difficulties making payments due to job loss and other mitigating factors that have forced me to enter forbearance in a few occasions. A few times, I paid late fees ( totaling {$610.00} ). 

As of today, my total balance is now {$110000.00}, a full {$8000.00} higher than 11 years ago, despite paying {$77000.00} toward my debt. 

At this rate, I do not understand how I can pay my student debt ever. It is not clear to me how this could happen and why I owe more than I owed 11 years ago.
XXXX ( Seller ) breached the contract by fraud and/or negligence by providing false and/or misleading information on the sofa that the three pieces are linked together in order to induce the sale on XX/XX/XXXX. 

After I received the sofa, I found out that the three parts were not linked as promised in the email of XX/XX/XXXX. Seller refused to complete the repair as promised by sending me the links to link the sections. After failing to hear from the seller, I disputed the charge with my credit card company on the payment. I asked them to either repair the sofa or pick it up. 

However, Seller continues to enforce the sale by placing me on collection and a recording on my credit file. 
Here are the facts and the supporting documents : I ordered a sofa from XXXX in XXXX, XXXX. In the email from XXXX date XX/XX/XXXX, in response to my question whether the sofa sections were linked, XXXX stated that Each piece does have an anchor to attach it to the other pieces as well. ( See Page 1 email dated XX/XX/XXXX ) On XX/XX/XXXX, after I complained that the sofa sections were not linked, XXXX apologized in her letter dated XX/XX/XXXX that the company sent me the wrong sofa. ( see Email page 2 dated XX/XX/XXXX ) XXXX promised to send me the links to link the sections together on XX/XX/XXXX. ( see page 3 email on XX/XX/XXXX ) However, I did not hear from her for a month. On XX/XX/XXXX, I told her that I placed a dispute on my credit card company as it was Not the sofa I ordered. I asked them to send me the links or pick the sofa up. ( See page 4 of email on XX/XX/XXXX ). 
Instead of trying to help me resolve the problem, I received a collection notice and Seller threated to sue me in XXXX email. 
After I stated my reason, I was offered a five-year warranty and a medic to fix the sofa in email from XXXX dated XX/XX/XXXX on Email page 5. 
This debt collection is INVALID.
I have lodged disputes with XXXX XXXX, XXXX and XXXX XXXX  with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the time frames listed I also asked for assistance from each of the credit bureaus. I initiated the dispute process because I contracted with the XXXX XXXX XXXX in XX/XX/XXXX and they were to assist me with paying my creditors. Although I was struggling to keep my payments current I was not late with the accounts listed above prior to contracting with XXXX XXXX XXXX.
On XXXX/XXXX/2016 Citi bank put a {$3000.00} refound process on my monthly statement claim as I used check of the XXXX XXXX XXXX to pay my Citibank cridit card and it bounced back so they charged me {$3000.00} I never payed my cridit card with a check when I asked them to send me a copy of the check payed to my cridit card they refused my request.its been about more than half year the I called the bank many time, at the first they say it 's the system error, they told me do n't worry about it. After I send the complaint on cpaf they tells me another story..
I had a contract with XXXX. They had to come out five different times to get the satellite right and they still did not get it right. I finally told them to come get their equipment.
I received in the mail yesterday, XXXX a statement, which looked like junk mail. I give the junk mail to my niece to play with. When cleaning up after her, I caught a glimpse of this paper from Midland Credit Management ... saying they are a debt collector and I have to XX/XX/2016 to pay off this debt or legal action will take place. Its states, Original Creditor XXXX XXXX I called XXXX XXXX and was told my account was written off 5 years ago and I owe XXXX XXXX. They stated it could have been sold to a third party. I received a called from my niece 's grand mother XXXX years old, two weeks ago stating someone had been calling her home looking for me ... I do n't even now this lady very well or never used her or her family as a reference ... had to instructed her not to give any information out ... why would you harassed an XXXX year old woman. Apparently they did file a suit in another state against me without my knowledge. There has been zero contact with this company except for this junk mail letter ...
Wells Fargo paid {$6800.00} on XX/XX/2016 in County Tax from my Escrow account. However my county tax is only {$530.00}. I soon realized the mistake by Wells Fargo and found that Wells Fargo had paid the tax for wrong property address from my Escrow account. I got the Wells Fargo to pay the {$530.00} for my property. I also requested the refund of {$6800.00} which was wrongly paid. However I still have n't got the refund. It 's been 8 weeks of calling to Wells Fargo and all I get to hear is that our Tax department is working on it.
XXXX XXXX did not send a collection notice before reporting to the creidit bureaus.They reported to the crdit bureau on XXXX XXXX and then sent a notice on XXXX XXXX. 

Several attempts were made to have the information on my credit report validated and corrected but the agent at XXXX XXXX XXXX refused to provide validation of the account an refused to correct any erroneous or outdated information. The name of the agent was XXXX XXXX ( lead supervisor ). In addition, several messages were left with XXXX XXXX but she never returned the call. XXXX XXXX is a senior executive.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a 3 billing errors in the total of {$1700.00} on my account. The amount was unauthorized by me because Ive called on XX/XX/XXXX and specifically requested to delete the authorized user on my account and I clearly mentioned that I dont want him to use my card limit starting that day. Your Associate confirmed that he deleted him and he no longer can use my card limit. I called your customer service on XX/XX/XXXX to inform them that I was surprised with 3 different transaction made on XX/XX/XXXX & XX/XX/XXXX for the above mentioned total! all they can offer me is an apology for the mistake that my account was not blocked from the beginning as requested by me and that they can not do anything about it. I am requesting that the error be corrected, that any finance and other charges related to the amount be credited as well, and that I receive an accurate statement. 

Enclosed are copy of my statement showing the highlighted transaction that were made after my request. Please investigate this matter and correct the billing error as soon as possible as I believe we would avoid all this situation if the bank just processed my request. Please note that Ill be  submitting a copy of this letter to the CFPB. 

Sincerely,
Equifax is not responding to my requests to investigate, verify and remove some accounts from my credit report that do not belong to me.
Equifax announced in earlyXX/XX/XXXX of a data breach/hack, involving my SSN, credit card # s, addresses, etc. This will affect me and my wife ( who was also hacked ) our entire lives. Equifax offered 1 year of credit alert protection - this is not equitable. My information is out there and will be out there for the rest of time due to this.
We were the potential buyers for a XXXX at XXXX XXXX XXXX. We have been mislead and deceived to believe that we would receive a commitment letter from a specific broker, XXXX XXXX, at NJ 's Millenium Home Mortgage - NMLS ID # XXXX. This led to us breaching our contract due to the time limitation on when we had to receive the commitment letter. On multiple occasions, reassurances were given that the process would be adjusted and the letter would come. Emails document these events. Most notably, the day we were told we would get the letter and that the lender approved our loan, XXXX calls to ask for a credit score. That was the final event that led to this complaint.
I dont believe my credit score is a fair representation of my abiity to pay my bills. It is under 500 and this makes it very difficult to get a low Intererst loan, I can not seem to win, no matter what I do, recently I was forced to pay over200 % interest. I : will pay the balance off way before the end date, but it is ridiculous that I am paying that rate. I need to refinance a car I am paying 19.99 % interest on, but with my credit score which is the first thing a potential lender sees, they write me off without even looking at my report. I ; have very little debt, and credit for that matter. I realize it doesnt help that my only 2 credit cards are over the limits and currently late, I have been ill, and my daughter has been paying my bills for the past few months. I have always paid what I owed, even if the card or debt was charged off, how can this help me. My student loans are my only significant debt and they are in forebearance and will most likely be forgiven because of my XXXX. I havent been able to use my very expensive degree and where do all of these loans that I take and payback in a timely manner at a horrendous interest rate show up, I should get points for those, it just doesnt seem fair at all