WillisBack/dataset-financial-user-claim huggingface dataset:
I recently created an account with XXXX XXXX in order to monitor my credit and improve my score. There were 2 derogatory marks, both from the Collection Bureau of Fort Walton Beach. At no time have I received any correspondence from them  about these charges. I have now filed a separate complaint for each of these. I tried to file a complaint through XXXX XXXX, but XXXX tells me my information does n't match theirs, so l get no where. This charge is for XXXX XXXX XXXX in the amount of XXXX and was opened X/XX/17. I h save no idea who they are or when.
I would like for Experian to obey the law and block these fraudulent accounts and stop being negligent so I can obtain credit for future endeavors. I 've attempted to clear this matter twice before and if this is n't resolved I will see them in court and SUE. Please block and remove this items per section 605B of the Fair Credit Reporting Act by blocking fraudulent information resulting from identity theft. I filed an affidavit and identity theft report and these items still remain. These are the accounts below : Account Name : XXXX Account Name : XXXX Account Name : XXXX Thanks for your help in this matter.
Looked at my credit report and saw that they had account so my court in which I had no knowledge of which are all reporting negatively and affecting my credit worthiness. I have open dispute with all credit report agencies and I have n't been able to get a clear response to the handling of my credit disputes. Currently I have open dispute and the credit reporting agency has allow companies to be on my credit report that has not communicated with them in over 30 days to remain on my account even though I have gave multiple instruments to support my call for possible identity theft in and accounts being open without my knowledge.
The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} CrediXXXX limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )
I have requested validation of debt in writing on XX/XX/XXXX and no response. Statue of limitations of XXXX has expire ( last payment date is XX/XX/XXXX ) they are reporting a zombie debt and have ask in writing to delete it from my credit and no response on XX/XX/XXXX
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.
Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to XXXX XX/XX/2015.
Citizens XXXX Home Loans is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining CCO Mortagage ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '' if I agreed to pay a XXXX time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my credit report. Citizens is reporting a XXXX balance and a collection/charge-off. XXXX indicate a recourse as to a deficiency on loan. This is a violation of the agreement enclosed ; Citizens is required by law and agreement to remove any and all derogatory comments from all credit reporting agencies as they constitute a recourse for a creditor to report a deficiency on a loan.
m and t bank will hold on to checks that should have been cashed when the account is low so they can charge you with an over draft fee, this is happing to many times.
XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies. 
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full. 

They did not clarify that only people that don't pay are reported and when people apply. 

If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies. 

This makes the consumer to be able to borrow from the same creditor at a higher rate. 

They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.
back when I was in high school 1987 I was inquiring about going to a XXXX school Lincoln tech and I signed up for the school however I never attended I follow their protocol and sent a letter stating I would not be attending in the fall I then get a bill in the mail from student aid for interest I refuse to pay the interest payment because I never attended XXXX class I never received XXXX book I never went XXXX day to that school and the government for over 30 years has been harassing me
Today on X/XX/17, I went to the XXXX XXXX XXXX in XXXX XXXX,  CA to shop at the XXXX XXXX XXXX XXXX clothing store. The sales associate who rang me up applied a store credit card under my name without my consent. She did n't even ask me about applying for a card. The cashier asked me for my social security number on the keypad to look me up as I remember in the past I used to have a credit card with the store. I only gave her consent to look up my existing credit card and she asked me for my identification, which I provided. When she rang me up I said I wanted to pay with the credit card that was in my hand and she said she just billed the existing store credit card. Since she had already done that I let the issue go. On the screen that i signed it just said that I promised the card issuer that I would pay for the amount on the screen. After the transaction she gave me the credit card disclosures and wrote that I had a new account opened on X/XX/2017. On the printed and electronic receipt I have on my email it also said she applied for a new credit card. I asked the sales associate telling her that I work for a bank and it 's illegal for her to apply for a new credit card for me without my consent but she told me it was on my existing credit card from many years back. I tried calling the issuing bank from the disclosures but it is a holiday weekend and the automated system did n't recognize my information. It advises me to call back during the weekday. The problem I have with this is that the associate never even asked me the consumer if I wanted the credit card. She just applied for it without my consent. I believe she used my drivers license information on the credit card application as well which is my previous address and not where I currently live. After the holiday I plan on contacting their corporate office as I looked online and there have been numerous complaints about opening credit cards without client consent.
The debt collectors have released information to a third party about a civil lawsuit against me. I have repeatedly asked them to stop calling any third partys & they continue to harass them
I 'm filing this complaint Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " Promptly delete all info which can not be verified. Please resolve this manner as soon as possible. Thanks
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
My XXXX reports show a {$4500.00} report on XXXX XXXX 2014 by MED DATA SYS And made my account negative. I do not owe any money to them. It is an is an identity theft. XXXX has been accepting alot of those collectors without verifying if i owe anything and my information is correct. Most of the collector info have about me does not belong to me.
I have submitted a dispute to XXXX as well as credit bureaus about XXXX derogatory accounts listed on my credit report in error, but they have not removed the accounts from my credit. In XX/XX/XXXX my father paid in full all outstanding student loan debt to Sallie Mae ( now Navient ). In XX/XX/XXXX XXXX XXXX years after the accounts were paid in full ), XXXX Mae/XXXX listed the same XXXX loans on my credit with derogatory payment history during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is impossible to be " late '' on payments on accounts with a zero balance. I have contacted XXXX by phone once and in writing once. I have submitted a formal dispute to the credit bureaus once. The outcome was that Sallie Mae/XXXX was able to validate the debts. Again, there is absolutely NO POSSIBLE WAY that they can validate derogatory payment history on accounts with a XXXX balance since XX/XX/XXXX - that 's XXXX years ago, beyond the statute of limitations for reporting negative credit history. I do not want to go through litigation, but if these accounts are not removed, I will hire the best consumer law attorney that I can find to represent me, and I will seek the greatest possible compensation for Sallie Mae/XXXX violation of FCRA laws.
XXXX XXXX originally advertised {$150.00} for the services I needed, only to come back to charge an additional XXXX dollars that made my credit card go over its limit, and now its reported as a negative derogatory on my credit report. 
XXXX XXXX falsely advertised the cost for its services. 
Amount : {$260.00} Please help me remove this false claim against my credit Best regards,
On XXXX XXXX, XXXX I, XXXX XXXX XXXX sent over to the repositories XXXX, XXXX and Experian XXXX Validation notices. 

I have contacted your organization twice before XXXX XXXX, XXXX and XXXX XXXX, XXXX. Have n't heard anything in regards to erroneus information on my credit reports. 

I am attemping to purchase a home for my family. And would like to make that an American Dream of mine. 

Sincerely, XXXX XXXX XXXX
Contacted me on XX/XX/XXXX and I told them I will contact the Dr office and pay them directly. XXXX told me that even if I paid the Dr she was still going to file the {$30.00} bill on my credit. I told her at that time not to call me that if her office needed to contact me they can so that by mail going foward. She then told me she had another bill from a service XX/XX/XXXX. I told her she ca n't wait 5 years to contact me about a bill, that she had 3 years to make that bill known. XXXX said no she can wait 7 years. She then hung up on me. I then contacted both offices and the XX/XX/XXXX office said they should n't have waited 5 years and she did n't have the records of my bill anymore, but she will call me back. I never ears back from her. The XXXX office I left the office manager a message explaining how the company they contracted to represent them was operating and I want to pay the {$30.00} to her office. I 'm waiting on a call back. Since I made it clear to Merchants to contact me by mail, I had 2 hang up calls when I try to answer on XX/XX/XXXX and then I had a call today from XXXX XXXX XX/XX/XXXX I told him that I have notice for his company to only contact me by mail he lead into telling to just pay the bill in a rude way as if talking down to a child. I told him I 'll take care of it with he XXXX XXXX and he kept talking down to me. I cut him off and told him to contact me by mail not by phone anymore. He of course wanted to carry on a verbal battle. I was also recorded without my permission. XXXX made the comment that she can play back our conversation. I told her that I did n't give her permission to record nor did she ask for my permission or let it be known she was recording.
Hi, I would like to file a complaint against XXXX XXXX XXXX, XXXX for stopping payment on XXXX checks that they had issues for me back in XXXX and XXXX 2016. 

On XXXX/XXXX/16 I received a statement from my bank XXXX XXXX indicating that XXXX checks returned due to stop payment by XXXX XXXX XXXX credit card company. The XXXX check was issued on XXXX XXXX 2016 in the amount of XXXX and the XXXX check was issued on XXXX XXXX, 2016 in the amount of {$5.00} dollars. My bank statement also indicated that I was charged {$20.00} for stop payment fee for a check. I called my bank and asked who stopped the payment on these XXXX checks and I was informed that XXXX XXXX XXXX issue the stop payment and that I needed to call them to inquire to the reason why they did that. I assumed that because I deposited the checks after 90 days that this may be the reason why. 

I called XXXX XXXX XXXX and shared above information and asked if the checks can be re-issued and I was informed that the account had been closed since XXXX XXXX XXXX has transferred all XXXX VISA accounts to U.S. Bank since XX/XX/2016. I was informed of the transfer of my account to US Bank but was not sure at this point who is responsible to re-issue the checks. I asked XXXX XXXX XXXX if they can re-issue the checks and their response was that they will not be able to because they no longer have my record and that U.S. Bank XXXX master card have my record and should be able to issue me my money. 
I called U.S. Bank XXXX XXXX card and explained all above and they indicated that they do not have my previous record and that they could not help me and that I should call XXXX XXXX XXXX. Once more I called XXXX XXXX XXXX and informed them of what U.S. Bank representative indicated that XXXX XXXX indicated that they can not re-issue the checks because my account have closed and they no longer have access to my account. My question is is that the checks was originally issued by XXXX XXXX XXXX, and not US Bank but each is asking me to call the other and none want to explain how I can retrain XXXX my money. Please advise to the best course of action given the situation. I am informed that XXXX XXXX XXXX have nonpolcies in place for such circumstances and there 's nothing I can do and that the my money Will not be reimbursed because my account is closed. Is there something I can do to retrieve the money. Look forward to your advise. Thank you.
I have a collection on my credit report for {$51.00} from Datamax / Interstate Credit Collections. When I called about the bill I spoke with XXXX and she informed me that it was my name on the account and called out my social security number to me. She also said that is was a joint account with XXXX XXXX and gave me the forwarding address where the bills were sent. I informed her that I 've never lived in XXXX and she once again confirmed she had my full name and social security number for this bill. I called XXXX XXXX and also spoke with a XXXX. She was unable to pull up an account with my name or social security number. I told her the amount and that Datamax said it was a joint account with XXXX XXXX. XXXX found the account in question but said it was under XXXX XXXX and XXXX XXXX and that my social security number was n't on the account. My social security number was n't in their system and she did n't know how it got connected to this account. XXXX XXXX states that they do not have my information on file ( full name or social security number ) and that was n't the information give to Datamax. Datamax states that they only use information from the client. Somewhere in the process there is a discrepancy in correct and honest information. Since NC is a one-party state all calls to Datamax and the XXXX XXXX were recorded and as a courtesy I let the other party know it was being recorded. This mistake needs to be removed from my credit report asap because I 'm in the process of buying a car. However, my biggest concerns are 1 ) how did they get my social security number 2 ) how can this be reported on my credit report when the names on the bill in question are n't mine? If you take the first name of the female and last name of the male you have my name and I live in the same county as XXXX XXXX and XXXX XXXX. Assuming that couple got married she would have my first and last name but not my social security number. HAVING ACCESS TO MY SOCIAL SECURITY NUMBER IS MY BIGGEST CONCERN. Datamax / Interstate Credit Collections XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
I filed a dispute on XX/XX/18 and XX/XX/18. They both stated that the information reported to them was accurate but I submitted checks that were written and cashed by the company during that time that were not updated on the report. I also sent confirmation of the original creditor never sending me to collections. They also had the wrong payment dates and amounts. Nothing has been done.
I just became aware of it. 

The security questions are asking if I applied for a car loan in 2013 and I never did. 

At this time I can not publish any suporting documents. I have also had the Social Security Office ask the security question of whether I have obtained an auot loan in 2013
I have contacted this company, I monitor my credit with XXXX and discovered that this company was reporting a debt that i had disputed with another debt collection due to the validity of the account. I never had the account, I ask for the representative to give me proof of the account being my own and they sent a bill which when asked for Government Identification that was used to open the account they can not present any. This account reported is not mine.
My mortgage loan was transferred from XXXX XXXX XXXX XXXX ( XXXX ) to FREEDOM MORTGAGE on XXXX XXXX, XXXX. I made my XXXX payment to Freedom Mortgage from my checking account on XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX I received a letter from Freedom Mortgage dated XXXX XXXX, XXXX indicating that they had " not received my XXXX payment in the amount of {$2800.00} making my loan past due ''. I called customer service on XXXX/XXXX/XXXX and at their request I submitted proof of payment from my bank. Freedom Mortgage then initiated an investigation. I subsequently received a letter from Freedom Mortgage dated XXXX/XXXX/XXXX stating that " After reviewing your account, our research indicated that the payment for {$2800.00} was returned on XXXX XXXX, XXXX at the request of XXXX XXXX XXXX XXXX '' On XXXX/XXXX/XXXX I sent an email to Freedom Mortgage Customer Service asking for an explanation as to how happen I make an on time XXXX payment to Freedom Mortgage and then the payment is RETURNED at the request of a 3rd party ( XXXX )? Returned where? The payment did n't come back to me. I made the XXXX payment to Freedom Mortgage and now Freedom Mortgage is sending me notices as if my payment was n't received and that my account is past due. This experience has left me with an extremely poor first impression of Freedom Mortgage as the new servicer of my mortgage loan. To date Freedom Mortgage has not adequately addressed my inquiry and a timely response has been lacking. I have not yet submitted my XXXX payment to Freedom Mortgage because I have no confidence in what they will do with it. Will a 3rd party request that payment too and will they send it away again without my knowledge or consent and then persist in sending me past due notices?
I co-sign for a private loan J P Morgan chase bank education -finance for my son back on XX/XX/XXXX. My son can not repay is loan since back because of is financial situation.I been making payments along with my husband never missing a payment.Since that time we have filed for bankruptcy and both become disabled.Sill as of XX/XX/XXXX we are not behind or missed a payment. My problem with the lender i have contacted them explaining the situation and asked the them to work with me. They only agreed to a forbearance well that just tact 's on additional interest. I asked for a lower interest rate i was denied i asked for any ideas they may have none. Please look into this matter on my behalf and my sons Thank you Please contact for further information. I have submitted documentation on my XXXX if need be my husband can be submitted too.
I have requested a copy of an accurate balance and original promissory note with my signature. I have only received letters stating this loan is protected by the government. I have to receive the information I requested. It has been 17 years since I had a loan. I would like an accurate account of what I owe and the original promissory note stating what I owe.
I have an unauthorized inquire on my TransUnion report. below is the information : Institution Information XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017 2017
Please reference case # XXXX I have tired to contact XXXX Capital One cooperate office ext XXXX but it is always busy. I have called through the call center several only to be told that they have no way to reach her so I end up calling later to speak to someone else who researches my account and then emails XXXX. This has been going since 1 month. I was advised by XXXX that she needed more time to research things, and still have not heard back from Capital One. I am requesting that Capital One pay the interest fees to my other creditors due to Capital One refusing to pay them due to the fraud activity on my account. Capital One was aware that I had used the Access checks for a balance transfer and advised that they would reissue the Access checks, but some reason they have failed to due so and now I have a big mess to deal with. The other creditors closed my accounts and placed this on my credit report. I also requested a letter from Capital One stating that I had fraud on my acct but never received a letter.
Incorrect information on My report, XXXX XXXX reports dept of XXXX I never had a account with these people,
I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX Transunion on XX/XX/2018 XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX  and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.