WillisBack/dataset-financial-user-claim huggingface dataset:
i bought a third car / XXXX XXXX XXXX XXXX and various parties ruined my freedom with incriminating fact a conspiracy they hit my car wrecked it robbed businesses XXXX XXXX ruined my car all because XXXX was created by XXXX harassment news coverage for XXXX XXXX XXXX XXXX XXXX hired XXXX XXXX XXXX addicts to wreck my car block my Drivers license XXXX XXXX is blocked please investigate XXXX XXXX XXXX   ruined my job ability XXXX XXXX are placed to cheer up city works XXXX XXXX was sent by XXXX priest to block all jobs XXXX XXXX arrived from XXXX and XXXX where XXXX are used to defame parties most XXXX laugh in my face I went Bankruptcy Ch XXXX please read no lawyer will listen how I am jobless XXXX XXXX B XXXX / all camera are given to keep me jobless /
Disputed inquiries with XXXX bureaus. I did not receive credit from companiesin myinquiry list. XXXX inquiries are 3 days apaart, XXXX has XXXX on XXXX of my reports. Tried disputing with XXXX, equifax and XXXX as well as the companies
Accepted a student loan for the spring of  XXXX  on  XXXX   XXXX ,  XXXX . All but {$90.00} went towards paying tuition at  XXXX   XXXX   XXXX   XXXX . On  XXXX   XXXX , I withdrew from classes, and moved back to  XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in  XXXX   XXXX  stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called  Nelnet  and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In  XXXX   XXXX , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in  XXXX   XXXX , and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in  XXXX , and subsequent calls to the  Dept. of Education  did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in  XXXX   XXXX , despite me making a timely payment. So I sent another one. I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on  XXXX / XXXX / XXXX , and they said they are still reviewing the information, and I should hear back in a week.
On or about XX/XX/2017 I made a purchase from XXXX XXXX, a XXXX XXXX. I purchased a power washer and agreed to pay for the purchase through a credit offer from Synchrony Financial ( credit card ). I went on line to Synchrony 's web site to review my bill and set up payments ... There was a " Promotional Purchase '' offered " no interest for 12 months '' I entered into that payment plan. Having participated in other 6-months, 12-months, same a cash offers I thought this was a good deal, until I went on line after my first payment had posted and reviewed my bill. I shocked to see " Promotion Fee '' of {$50.00} added to my bill. I called the company ( XXXX ) to inquire about the {$50.00} fee and was told that by singing up for the " 12-month promotion '' I agreed to pay the {$50.00} fee. I stated that at no time was I told that there would be a fee of {$50.00} to enter into a same as cash payment plan. The customer service person informed me that cost was in the contract I signed, I replied that I was not informed that this type of fee would be imposed. I requested to speak with a supervisor, XXXX # XXXX in XXXX came on the line, I explained my situation to her and she replied : " I 'm sorry Sir there is nothing I can do for you. '' She went on to say that you should have looked at the paper work before signing. I feel that this is a fraudulent action by Synchrony Financial, the {$50.00} fee I was charged would possibly end up being more than any interest I would have paid on a {$400.00} charge over a 12-month period.
On XXXX XXXX, 2015 I contacted Experian to have the security freezes on my credit report account and on my wife 's credit report account temporarily lifted. I paid {$10.00} for each temporary lift. 

I arranged for the temporary lifts on my and my wife 's accounts because I was told by the Social Security Administration representatives with whom I spoke that the Social Security Administration uses Experian to verify the identities of people setting up accounts. 

It is now XXXX XXXX, 2015 and I have tried repeatedly to to set up the Social Security account online and not been able to do so. Each time I contact the Social Security Administration I am told that I can not set up the accounts because Experian has not lifted the credit freeze on my wife 's and my credit report accounts. 

It is impossible for me to contact Experian by phone to attempt to resolve this because Experian does not provide a telephone number for doing so. I want the money that I have paid, {$20.00} ( {$10.00} for myself and {$10.00} for my wife ) credited back to my credit card. Experian has not provided the service for which it has been paid.
I have already submitted a complaint regarding Alleged Mortgage Servicer " XXXX XXXX XXXX ''. This is a separate complaint regarding the same company as I have recieved documents from a Trustee indicating that the XXXX parties are involved in conspiracy to break the law : Most immediately, Quality Loan Service Corporation XXXX XXXX XXXX has informed me that they will be engaging in a non-judicial Foreclosure while at the same time Select Portfolio Servicing is humoring me in the loss mitigation process. This indicates that XXXX or XXXX parties are engaging in the crime of dual tracking. Ironically, this falls on the heels where I have been proactive in threatening a lawsuit against XXXX for various violations including a complaint failure to answer a Respa Qualified Written Request.
I was the victim of a robbery. That robbery lead to identity theft. That identity theft lead to temporary loss of access to funds. That lead to the temporary ability to pay by bills in a timely fashion as I normally had. That lead to one ( 1 ) negative credit reporting occurrence from Chase. The payment wad made as soon as it was humanly possible to do so. The same incident involved another credit card company and they were understanding and sympathetic enough to remove the negative credit reporting they had done. They understood the situation. I can provide the letter if you wish. I can also sign up for automatic payments or pay the balance ahead if that makes it better for you. Thank you.
In 2009 I applied for a modification with Wells Fargo. They told me the only way to get XXXX was to go into a moratorium, meaning instead of paying my full monthly amount, i should only pay a third for three months. I signed a document that in the fine print said would mean i was going into default and they were assign late fees and report it to credit ratings. I was told on the phone do n't worry about that. My credit dried up. My rating was wrecked. I wrote to the bank. I called. I sent money to fix the situation, but they sent the check back. I finally got a modification, although it was not worth it, and then when I was earning more I could not refinance because my credit was destroyed. The modification cost me greatly. The bank made more on me.
XXXX XXXX XXXX added a negative account to my credit report. The date they state this account was opened with them was XX/XX/XXXX. I believe this to be for a XXXX debt that was already once removed from my credit report. Loan Type Debt Buyer Account. I am in the process of rebuilding my credit, this has negatively impacted my score which was on a slow climb towards mortgage ready. The date of first Delinquency is listed as XX/XX/XXXX before my account was open with them. The information they have posted on my credit report is inconsistent. They have made no attempt to contact me by mail. They are a predatory collector dredging up things past removed to add them to a credit report again.
I have obtained several emails and had countless phone calls from XXXX, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that Apartment Complex. Specifically, any and all forms of payment I owed to them. This Document I obtained surely speaks for itself. Yet This Company is still after me for more money.
I contacted Capital One about an item treported incorrectly on my account last XXXX. They sent me correspndence telling me I contacted them about a XXXX payment. This is n't true, my concern is XXXX payments that they lied about returning. They are still reporting incorrect information. The only account on my credit card is XXXX and there has never been any returned items from XXXX for XXXX. My account is open and active.
XXXX XXXX XXXX company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from XXXX XXXX XXXX however XXXX XXXX XXXX is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.
Have been attempting to unsuccessfully get the following negative items deleted from my credit report as I believe them to have been added to my credit report not in compliance with current Consumer Protection laws Chase Mortgage account included in bankruptcy reported on XXXX   Chapter XXXX bankruptcy filing on XXXX, XXXX and XXXX
To Whom  It May Concern : I discovered that   XXXX   of my mortgage payment was not applied to my mortgage. This caused my reinstatement amount to be higher than required because my payment was not applied. I have provided proof to Ocwen from my bank that clearly shows the payment was ACH debited from my account. The payment was not NSF and it is obvious my payment was applied to another account or not applied at all. I am contacting my bank to provide the ACH debit tracking number so Ocwen can easily trace what account this payment was applied to. The payment was withdrawn from my checking account ; however, the mortgage company ( Ocwen ) i s stating a third party servicer used by  XXXX  stated the payment was returned NSF. Thus, the payment was not applied to my mortgage account. I am not sure this is true or not - please research and contact the required third party servicers and parties involved to determine what happened to my payment. The payment was deducted from my account on  XXXX / XXXX / XXXX  in the amount of {$1000.00}. Here is the information provided to me from my bank : Yo u may provide the following information to the mortgage company. Our records indicate the Trace Number  is  XXXX  for the electronic payment, t he Effective Date i s  XXXX   XXXX ,  XXXX , and the Amount is {$1000.00}. Additionally, t he US Cu stomer Identification Number is  XXXX , the Company Name is  XXXX , Company Identification :  XXXX  Regards,
I didn't receive any notification about the debt- I did get a number of phone calls from random phone numbers with no voicemails. I had no idea that I owed any money. When I found out, I paid the debt off.
CRA/HIPAA VIOLATION INACCURATE COLLECTION ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
To Whom Thi s May C oncern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     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   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks
I disputed  XXXX  accounts which came back verified without any verification sent to me in the mail showing any kind of contracts with the people who placed the accounts on my credit which are  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  My contracts were cancelled with them Over 30 days ago I also disputed inquires on my report in which I did not authorize I contacted the companies and they stated that they did not have a way to remove the inquires because I do not have an established account with them  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX  So I am filing a complaint again asking for the same thing once again
I am applying for a mortgage refinance to a lower interest rate. I have been advised that my current mortgage company, CitiMortgage, has not updated XXXX on monthly reports on my account for over a year. I have not been required to pay mortgage insurance for over a year yet XXXX states that they have not received any report of this. The required report is a ( SURF ) Servicers Reconciliation Facility report which intern updates XXXX, XXXX ( LAR ) Loan Application Register report. Multiple contacts with my current mortgage company result with, they do not know what I am talking about, they need to research this, each time I call its a different contact person and I start all over again. They keep trying to send me a " letter of authorization request '' which is not required to update Fannie Mae. The California State Attorney Generals Office has also been advised so that possible legal action may be taken. This lack of action by my current mortgage Co. will result in the loss of the lock on my interest rate for current loan that I am applying for. Can you help resolve this?
On XX/XX/XXXX, Wells Fargo sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by Wells Fargo according to the three major credit reporting agencies. 

When I called Wells Fargo in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from Wells Fargo as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your help with this issue.
Got a {$200.00} gift card from XXXX for signing up. Used it XXXX. Then a credit card bill came in the mail from Sears XXXX XXXX for the amount. I did not apply for a credit card at Sears. They refuse to listen to me. They say to pay it. Now they wo n't even talk to me about it because they have turned it over to collection. They are charging me {$50.00} per month for late fees and interest. I do not have a Sears credit card!!! Now my credit is ruined.
On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency.
I initially filed a complaint on XX/XX/2017 in reference to not receiving validation of the debt as requested before placing this account on my credit file. XXXX XXXX ( compliance analyst ) responded stating " DCI has no record of receiving any correspondence from XXXX XXXX requesting validation of the debt therefore it was never provided. '' ( I 've attached a copy of the response ) and I also have the certified mail tracking the receipt of the documents.However I received a letter dated XX/XX/2017 ( 2 days after my initial complaint was filed ) responding to the debt validation letter I mailed that XXXX XXXX claimed DCI had no record of. I 've attached that letter also. What was sent as debt validation is a copy of a final bill, not a signed contract between this company and I. 

First this account should not have been placed on my credit file before the " debt validation '' was mailed. XXXX XXXX stated that DCI had no wrong doing in this matter which clearly placing this account on my credit file before responding to the validation request is a violation of my rights!
This company received the attached letter and check where it was explicitly expressed that they were only to cash the check if they agreed to delete the account from the credit report. 
CBE did cash my check and continues to report the account on my credit report still as an unpaid account.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XXXX/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX/TU/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX
I have not received any documentation about this supposed debt that I owe to this debt collection company, but they just recently called my office and left a message with my boss. They have contacted me prior and threatened to sue me but refuse to tell me what debt this is for and how much I owe. They are breaking many, many laws with their scare tactics and they're trying to collect on a debt that is past the statute of limitations for the state of Illinois. There are several lawsuits out there against them currently.
A court judgement was reported incorrectly on my credit report. I was list as the defendant whereas I was actually the plaintiff and also it was reported that the judgment was against me whereas it was for me.
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance.
Someone was able to get my social security number, call my bank posing as me, have a new card sent to them in a state in which I do n't live, transfer money from 1 account to another over the phone, and then go on a shopping spree. CapitalOne bank never went through additional security challenges in spite of the fact that the address given to them was NOT in their file and by looking at my statement, transactions were made in another state ( my state ) the day before. I really think there should be some extra security before getting a new card and cancelling an existing one. Not just birthday and social security number ( both of which can be had ).