WillisBack/dataset-financial-user-claim huggingface dataset:
There is an account from XXXX XXXX ( XXXX ) that is showing on my experian credit report. I have sent validation and verification letters to both experian and XXXX XXXX requesting to show proof that this account is mine multiple times and neither company has done so. That account was put in my name without my consent and I am a victim of identity theft. I have filed a police report for fraud and even sent that to experian and they still will not remove this account from my credit. This is illegal if the credit bureaus can not proof to me this account is mine they must delete it. It is extremely hurting my credit worthiness and hindering from obtaining the credit I would like to get now.
Discovery, New information. 
I recently disputed a chapter XXXX bk from XXXX, XXXX as fraud. Because I was advised by the courts this was not going to report yo my 3 credit bureaus. The bankruptcy courts has advised me they did not report and to reach out to XXXX and Lexis Nexis to resolve. 

Enclosed you will find information from US Bankruptcy Court Northen District of Alabama. 
1. Inaccuracies Documentation shows Attorney XXXX XXXX XXXX filed incorrect paperwork to the courts. It was not received in 14 days .The judge dismissed my case. See attached. 
2 .Order of dismissal Judge dismissed the case hearing will not be heard. And all my attorney fees were reimbursed. Please read attached. 
3. Due to inaccuracies Judge dismissed the case. 
4. Yes, Lexis Nexis verified that a bankruptcy was filed with my ss # and name. But do to a Notice of Deficient filing or Incorrect Event. Case was dismissed and automobile was surrender to US Automotive.
I requested a debt validation after I received a letter from this debt collection agency. All they sent was a bill with no signature or proof that it was my debt. The bill is in the amount of {$640.00} for a cable bill.
Potential clues Wells Fargo 1. {$370.00} + {$230.00} refunds.from XXXX = {$600.00} 2. {$1000.00} escrow balance, {$1000.00} unapplied {$18.00} fee returned 3. {$440.00}, {$560.00}, {$520.00}, {$900.00} retuned {$530.00} paid twice {$800.00} not accepted 4. IRS market value {$62000.00} balance {$53000.00} 5. Stay of Relief value {$78000.00} 6. XXXX XXXX insurance value {$150000.00} 7. {$3900.00} cash out was made to commerce Bank. 
8. {$41000.00} payoff + {$9300.00} to XXXX 9. Never had a second mortgage XXXX purchase. {$10000.00} Cash {$48000.00} rehabilitation loan 11. {$47000.00} XXXX stream line refinance in XXXX {$43000.00} 12. XXXX taxes {$370.00} insurance {$590.00}. XXXX T & I {$1100.00} + {$820.00} ( we protested XXXX insurance of {$1000.00} reduced + {$110.00} refunded to Wells Fargo - {$370.00} refunded to WF after foreclosure I believe the balance included escrow payment to another property. To which I made separate payments to another servicer. 
I want CFPB to investigate {$18000.00} ( + {$140000.00} total paid to XXXX on both properties. We were offered a modification after 3 returned payments a foreclosure date. 
Request for a longer term ( to reduce the higher payments ) was denied hours before they foreclosed. I believe -especially with payments to the other property that this loan was paid - in full I believe money paid to commerce was the escrow at refinance I believe this amount was included ( or from ) the amount already added into the first mortgage on my house I believe that a credit card from XXXX XXXX XXXX ( {$11000.00} limit {$8000.00} balance ) was the escrow. A credit line increase to {$12000.00} in XXXX was the equity This would mean {$24000.00}. I paid {$24000.00} to XXXX on the other property. 
The balance of the other property was {$15000.00} in XXXX Payments made to the duplex between XXXX and XXXX were {$15000.00}. I think there is a servicing error and it cost me my duplex I had owned since XXXX. 
1 year after foreclosure there was a {$91000.00} mortgage on XXXX XXXX -the duplex I believe this was how much I had paid to principal and interest {$53000.00} would be taxes and insurance on the XXXX property 12. Total payments due on Wells Fargo loan {$29000.00}. ( {$54000.00} paid to XXXX refinance ) there is something drastically wrong. And I believe i just paid it again in my loan modification on my house to XXXX. I would like CFPB to investigate and provide me with results - Duplex is XXXX XXXX XXXX XXXX Wells Fargo ( modification denied by XXXX ) - other property XXXX XXXX XXXX XXXX ( i did not own ) servicer XXXX XXXX - house XXXX forestpark XXXX XXXX XXXX XXXX XXXX and just transferred to XXXX There is much more that can be found in the -probably XXXX 's of - complaints And documents I have filed 13. A subordination agreement filed by XXXX is linked to the duplex for a lien on my house-? 
14. XXXX reported {$80000.00} as extinguished but was never removed from balance 15. Were {$5000.00} HAMP incentives applied 16. Did they count the payments to the first trial. 
There seems to be at least {$230000.00} missing {$120000.00} I never owed and {$300000.00} equity I should have
I have reported to the Federal Trade Commission that I am an identity theft victim because someone stole my phone, identification, wallet, credit cards, etc. I have disputed incorrect information ( bankruptcies, liens,  XXXX   XXXX   XXXX  and  XXXX  Bank ) being reported on my credit reports with the  XXXX  credit bureaus but to no avail. I am a victim of identity theft. I have placed an identity fraud on all of my reports, I have contacted the clerks from the superior courts and  XXXX   XXXX   (  which has a freeze on reporting any information to any agency  )  to inquire about erroneous information being report and was informed by them that they are not reporting any information to the  XXXX  credit bureaus. This has caused a hardship for me and I am prepared to file a complaint in civil court to resolve these matters if they are unwilling to resolve these issues..
We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, Go Financial. Somewhere down the line, a new provider, XXXX, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them :  Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent XXXX payment of {$290.00}. Please visit XXXX for full details. For help : HELP. To opt out : STOP. 
Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled XXXX payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your XXXX payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.
I received a letter from the foreclosure Attorney Wilson & Associates for a property foreclosure sale on my home XX/XX/2018.

The letter is dated XX/XX/2018 and I received the letter XX/XX/2018.

In my research I found information that pertains to the Tennessee law that states the homeowner is to be given 30 day notice prior to the property foreclosure sale. I've submitted a modification request to XXXX XXXX with financials.
This situation relates to a recurring problem I 've been having with Experian. I keep my credit frozen, and only lift the freeze when I know I am applying for credit. I have not had a problem temporarily lifting freezes with XXXX. For the XXXX time in 3 months I have had credit denied because Experian will not lift the freeze on my account. They requested I send additional information to them. I have done that using XXXX XXXX Mail and I have a receipt to show they received the information. They still have not lifted the freeze. Not to mention the other XXXX agencies charge {$5.00} to lift a freeze and Experian charges {$10.00}. I do not believe they are acting in a way that encourages consumers to protect their credit. The XXXX time I complained to you about this, they sent me a credit report. I never asked them for a credit report - I asked them to lift the credit freeze on my account! I am at the end of my patience with them and hope you can help.
A woman named XXXX from Performant Recovery ( XXXX XXXX XXXX XXXX, OR XXXX ) is calling my XXXX mom to get information on me. I have already informed them that I will take care of the debt once I can. They told her that I gave them permission to call her. I have never put my mom 's contact info on any of my doctor 's forms or student loans. They keep calling her repeatedly.
The loan from XXXX was paid off but is now showing 60-90 days past due. This is effecting my score tremendously and I would like to get this updated asap.
I opened a CitiGold Checking Account in XXXX 2015 with a promotional code offering XXXX XXXX XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that my initial online bill pay through the account ( one of the listed requirements ) had been completed successfully and would count toward the promotion. I met the remaining requirements in XX/XX/XXXX, as confirmed via online chat with a Citi representative and Citi stated in the promotional materials the miles would post within 90 days of that statement ( anticipated post date in XX/XX/XXXX ; also confirmed by Citi rep ). In XX/XX/XXXX, I provided my XXXX XXXX account number to Ciit via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. In XX/XX/XXXX, I received notification my XXXX had been accepted, and the airline miles would be applied on my XXXX XXXX account statement. When the miles had not posted within a few days of the XX/XX/XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that I did not have a promotion attached to my account and was not eligible for the promotion. I have since paid {$60.00} in total monthly service fees to Citibank and have appealed their response multiple times with the same conclusion each time. On XXXX XXXX, I received a response from their customer service team offering to look into this issue further if I felt it was a mistake, however they have already rejected my advice to review the emails their team sent to me stating I was on track to receive the promotional miles credit. All they have done at this point is waive my next monthly service fee of {$30.00}.
On XXXX XXXX, 2015 send letter to Enhanced Recovery Company requesting verification that this account belongs to me. Requested copy of contract with XXXX with my signature. Instead they just send me a letter back saying that they verified the information with their client XXXX.
I transferred my balance fro m American Express to   XXXX   XXXX   XXXX  . American Express claimed that they received the close-out 5 days after my payment was due. They charged me an additional {$35.00}. I made the transfer more than 10 days before the du e date.
My pay ment is {$400.00} A month and only {$90.00} actually goes toward the principal. 
It has been this way for over 4 years and the balance will not go down. Ive tried to contact the bank to ask them to assist me but the bank won't communicate with me.
I am told by equifax that I am a potential victim in their security breach. This improper protection of highly sensitive data opens me up to possibility that may include identity fraud, unauthorized credit usage, and unauthorized access to personal documents.
My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX Courts in the XXXX district of Ohio.

I sent a letter to the XXXX XXXX  court in XXXX Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter.

The courts sent me a letter back stating they do not report and DID NOT report this information to the credit bureaus.

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.
They have called multiple times even after contact, sometimes XXXX to XXXX times a day. It is a debt from 2007 which is past the 7 year period. I have spoke to theit legal department and they refuse to give me an address where I can send a cease and desist letter via certified mail. XXXX man told me he will call my children 's children if that what it takes to collect as long as it takes. The state laws do n't apply.
My name is XXXX XXXX, I have an incorrect address reporting on my credit report XXXX XXXX XXXX XXXX, PA XXXX, that may have been due to fraud. XXXX, XXXX  and Transunion refused to remove it. 

Also, I have inaccurate account reporting 's on my report as well listed below : XXXX  XXXX XXXX XXXX Account Number XXXX- this is an incomplete Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. 
This Status was Updated XX/XX/XXXX - This re-Aged my account by reporting the date of last activity instead of the first delinquency which is a direct violation of FCRA Section 605 ( c ). Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this  account. 

Inaccurate and undated late pays 130 late XX/XX/XXXX the 30 day late XX/XX/XXXX Inaccurate reporting per Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ). 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that these accounts showing a 30-day late payments be updated and/or corrected to pay as agreed on time. 

XXXX XXXX Account Number XXXX Account # is incomplete THIS DOES NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Furnisher Rule Part 660 XXXX inaccurately changed the date of first delinquency on this account. Invalid information reporting by furnisher. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 2 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 ) XXXX  XXXX Account Number XXXX Inaccurate late payment showing XX/XX/XXXX Inaccurate and undated late pay reporting not reporting 100 % accurate information according to FCRA 609 a 1. update to paid on time as agreed.
The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # XXXX )
In the course of 3 years, I have tried several times to dispute this problem. The college I was attending took down the wrong contact information on my loan application. I did not know that I was missing payments until I was notified by mail. By that time I was around 3 months late. I corrected my contact information and haven't missed a payment on my credit report since then. I tried disputing this situation with multiple credit bureaus with no yield. I also tried contacting the college and was told they could not help.
Received a phone call from XXXX, WA ( XXXX ), along with a voicemail from " XXXX from Summit Receivables '' stating that they " had completed their review '' and were preparing to submit their " report, '' but that we had the chance to work things out with them " on our own. '' They left a different number to call back - ( XXXX ) XXXX. I have a credit score of XXXX and no outstanding debt. This was clearly a scam. They never mentioned my name, our address, report number, claim against us, etc., and we have received nothing through the mail ( as required by law ).
On XX/XX/2018 the company below claimed I owed them ( 1 ) {$20.00} for a debt ( 1 ) {$30.00} for a debt ( 1 ) {$30.00} for a debt I asked them to send me proof I owed it to them. I asked them to verify and validate this so I could have a better understanding. I asked for a contract between them and I along with my signature and any agreement containing such.They said all they could send me was a receipt. They sent me a typed receipt that says " Paid In Full '' I asked them to show me a receipt with a transaction number and authorization to use any banking information or credit card containing my information. Since they didn't respond to me right away after asking for this information I submitted this same request to XXXX and XXXX. This company has yet to reach out to either company or me and produce what I asked for. 
I have never paid this company any money nor do I know who they are.
My checking account number is not hidden nor encrypted on the lender 's website. I requested to have the account that I created with them to be deactivated. The internet support operations said they can not and I should be assured my information is protected. My information is not protected. I want my checking account number hidden, can you please help me?
HSBC had a promotion where they would pay out {$350.00} to new checking account customers who made bill payments in 3 consecutive months to two different billers. Due to an error on HSBC 's part, my XXXX payment was not processed and I was advised that I could make a payment in XXXX and still qualify. After calling in XXXX, the CSR confirmed that I had met the requirements and I was told to wait 6-8 weeks from the qualifying transaction ( on XXXX XXXX ) for the bonus to post. The bonus still has not posted, and the customer service representative said they were still " working on it. ''
Calls and threatens to serve me if I do not pay up and calls family, neighbors and friends and gives them my personal info
Bank of america charge me {$35.00} returned item fee when in fact the ( {$7.00} ) item was not returned. Bank of America have the amount ( {$7.00} ) in there records but it is not showing in my all transaction records. I believed they purposely hide it. The {$7.00} was drawn by XXXX a financial company. XXXX used my debit card to collect payment and was paid by Bank of America. One thing that puzzles me is if the item was returned to XXXX, it should show that I will have a balance on my account with XXXX. Reason why I file this complain is to recover my returned item fee of {$35.00} and show to others what this bank is doing just to get those fees even resorting to lying. Here are the reasons why I am contesting Bank of America : 1. ) Whenever XXXX collect payments from Bank of America, using my Debit card, the Bank rejects the collection if I have insufficient funds, without any penalties, just like withdrawing in an ATM. 
2. ) Bank of America said they returned the item. No item was returned as per XXXX records 3. ) The amount ( {$7.00} ) is not showing on my account activity. I believed was deliberately hidden from me. 
I tried to resolve this Matter with the operation manager XXXX XXXX XXXX ( XXXX XXXX XXXX CA XXXX ) and the response is " we can do nothing ''. 
I hope you can help me resolved this matter. I believed Bank of America have violated bank regulations skimming customers by fees.
I don't agree with the Experian Ruling on my credit report from XXXX XXXX XXXX. It is based upon one single late payment in a 16 year credit history. This late payment was because of a divorce and subsequent change of address and one single failure to pay because my ex wife and a fraud was on this card, the reason why I failed to pay was because of an XXXX XXXX committed with my financials concerned at the time, both of which purps are still in business. The failure of XXXX XXXX XXXX to let this go shows great animosity on the behalf of the XXXX XXXX and a failure of fair reporting. One late payment which is now over 6 years old should not be affecting my credit report for this long nor should it bring it down by 60 points. Can you regulate them properly now? 
Thanks. 
XXXX XXXX XXXX.
I recently pulled a copy of my credit report from Experian and noticed the following information are in error : Credit Inquiries : The FRCA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX, XXXX/XXXX/XXXX XXXX Credit /OFF Lease, 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/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/XXXX/XXXX XXXX XXXX XXXX , XXXX/XXXX/XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX . XXXX/XXXX/XXXX I did not authorize these inquiries. I have called Experian multiple times getting very rude people that constantly hang up on you and tell you that you did ask for the credit inquiry when I never authorize nor asked for credit with these companies