WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I received an alert from XXXX  credit monitoring that " XXXX '', with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX and phone number of XXXX obtained a copy of my XXXX  credit report for a " home retail loan '' without my consent or authorization. 

I immediately contacted XXXX  to dispute the credit inquiry, and, at XXXX XXXX   direction, contacted Kohl 's at the number given on the credit report next to alert them that they pulled my credit without authorization and to try to get more information regarding what I assume was an identity theft issue. I wanted to make sure that no unauthorized credit account was being granted in my name, since it would be fraudulent. 

Kohl 's was utterly unhelpful and completely unprofessional. They refused to assist me. Incredibly, they refused to transfer me to their fraud department. Specifically, the customer service representative told me that " the fraud department would not take the call, '' even after she confirmed that an account had been applied for with my name and current address, without my consent. 

Later that day, I learned from several other of my credit card companies that my identity had been stolen and was being swiftly used to make unauthorized retail purchases, so I am sure that someone used my stolen identity to try to fraudulently open up a Kohl 's account in my name. I am still speechless at how Kohl 's did not care that they violated federal law by pulling my credit without my consent and completely refused to help me. 

After my failed conversation with Kohl 's, I filed a report with the FTC and mailed the FTC 's recommended letter to Kohl 's disputing the unauthorized obtaining of my credit report.
I have disputed the validity of debt on some accounts, and I 've disputed numerous erroneous names and addresses listed on my credit report, all of which are affecting my credit score. Equifax, XXXX and XXXX have failed to remove the erroneous information or provide to me the proper evidence of the disputed accounts validity that they received from the creditor which caused the agencies to update my reports to show that the debts were validated per FCRA. The accounts in question were reported by XXXX XXXX, XXXX XXXX is for {$390.00} with original creditor listed as XXXX . The other one reported by XXXX XXXX, XXXX is for {$4300.00} with original creditor listed as XXXX XXXX I never received any form of documentation from the original creditor or XXXX XXXX, XXXX to provide competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. However, for the account with an amount of {$390.00}, I did receive a letter ( over a month after my original dispute was submitted to Credit Bureaus ) with an account summary report from XXXX XXXX to XXXX XXXX, in my maiden name of XXXX XXXX, which I have not gone by in almost 20 years, but the summary report is not proper documentation proving the debt is valid and is also not competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. This letter and statement are attached. I have never had a signed contract, or any type of contract with XXXX XXXX, XXXX. I have never done business with XXXX XXXX, XXXX.
In XX/XX/XXXX I was contacted by Agency of Credit Control Inc in XXXX, CO stating that I had an outstanding medical debt from XX/XX/XXXX. At that time I told them that I believed the debt to be invalid and requested a writing notice of the debt so that I could check it against my records. I was never sent a validation notice nor a notice of right to dispute, though I continued to request this every single time I spoke with them on the phone over the last four months. 
Since it has been four months and i still have not received a validation notice nor a written notice of right to dispute, I have since contacted my doctor, who also stated they believe the debt to be invalid, and they are researching to provide me with documentation to that fact. I called Agency of Credit Control Inc with this information and they refused to listen ( I also asked for the documentation again and still have not received it ). 
Today, I received a call from one of their employees saying he was at my place of employment to talk to me. I told them ( again, as I had on a previous phone call ) that they are not allowed to contact me at work. I also just received notice from my roommate ( as I am currently out of town ) that this collections company sent someone to my home. 
Also, they have lied and said they did send the notices and/or did not have accurate contact information. I know this to be false as they have now today sent someone physically to my home. This is evidence that they do have my mailing address and there is absolutely no excuse for Agency of Credit Control Inc not to have sent a written validation notice of the debt or a notice of right to dispute.
I have had another instance of this company conspiring with a merchant and holding funds. The first time, I had made a purchase from XXXX company, in which they delayed in giving me my refund. They swore up and down it was AMEX Bluebird fault, I was on them hot and hard about my refund, and they convinced AMEX Bluebird to  give me a provisional credit, until they could get the funds to them. The XXXX rep called me back and told me my refund was coming, told me my account information which she should have not had, and they talked with AMEX Bluebird behind my back conspiring to get credit for a refund that they should have sent. I was XXXX, I left the AMEX BB open, but moved my direct deposit, and essentially stopped using the  card, but left the account open. I had a dispute with a Merchant on XXXX, dating from XX/XX/2018. I finally got my refund for that item, and XXXX told me it would be five business days, I just happen to look today, and it was posted to my account, but then AMEX put it on hold saying the merchant is saying do not release it until XX/XX/2018. I feel like they are yet again conspiring against me as a customer.
I have repeatedly requested and/or demanded that Experian and Experian XXXX and their subsidiaries and consumer reporting arms remove the following fraudulent credit inquiries from my credit report : 1 ) XXXX - Date of Inquiry : XX/XX/2017 2 ) XXXX - Date of Inquiry : XX/XX/2017 3 ) XXXX XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 The inquiries listed above were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law.
If im calling care credit about the account number they said they can not find it but it hurting my XXXX XXXX. i want my information so i can make any action to fix it and .i have some issue i want to be honest yes i co sign this person in my care cedit but i wander why this company aproved base in my information this person using ng wrong XXXX. i find out this when im asking why he dont me he said he is fine because his XXXX is fake. why this company aprove. i hope you can help me about this a i can give you more information
I am a victim of identity theft. I have submitted to the credit bureaus and the loan companies alike that my identity has been stolen and used to take out fraudulent loans. I have been successful in removing XXXX of those loans from my credit report ( prosper ). The lending club continue to insist the loan belongs to be despite me sending information to the company and the credit bureaus my victim report, identity theft affidavit, proof of identity and even documentation from the bank proving that the monies went to a fraudulent account. Despite all this, Equifax is the only credit bureau who continue to report this on my credit report. This company has not protected me as a consumer.
XXXX XXXX, 2015TO WHOM IT MAY CONCERN : Unfortunately this all was started due to health issues. We have been paying on our mortgage numerous years and have come to the end and I got sick. Most of my expensive medical bills were due XXXX during a year and half year span. These XXXX had to be paid cash up front due to the fact that I had and have no medical dental insurance. Each XXXX cost from {$1500.00} to {$1800.00}. This year I was in and out XXXX. The last time being XXXX 2015. I was in there 4 nights. I have medical records to prove all this. I had to pay {$330.00} for XXXX pills among other XXXX fees XXXX XXXX XXXX. 

We have made several attempts to pay off our mortgage to no avail. I have called in numerous time and repeated the same story to numerous representives., again to no avail. Every time the payoff amounts go up some go down??? All we want is our clear house title. We have paid well over double if not triple the first payoff statement amount and paid additional amounts as well. XXXX the times I made a payment off statement was in XXXX thru XXXX XXXX and than about 5 days later we received a letter from XXXX XXXX saying our monies were there and that we needed to go and pick it up. No reason was given as to why Carrington return our payoff amount?? I have sent in copies of some of the payoff amounts letters form Carrington and also sent in some of the amounts of where we have sent in the monies being charged to us. We have also included an example of proof of insurance where Carrington billed us for coverage when we had it. This also happened numerous times. My Insurance agent has all the faxes they sent Carrington to prove that we were covered and not only faxes but also actual phone conversations with Carrington., not just once but several different times. Again all we want is our clear title.
Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.
I contacted original creditor XXXX XXXX XXXX XXXX times in which they verified paid in full with a zero balance. They ca n't find me as a customer anymore when explained they said they would contact the collection agency and get it removed. They did n't Enhanced recovery then told me a month later they never received anything from XXXX XXXX. The XXXX call a gentleman gave me an authorization number XXXX showing paid may XXXX/XXXX/15 it 's now XXXX/XXXX/15 and they are still reporting delinquent. Account number with XXXX is XXXXContact info for XXXX which I have sent the statement from my checking showing I paid in full {$170.00} is XXXX FL XXXX. This is really hurting my credit which is why I paid it to begin with.
This complaint involves the Student Loan Company Navient and fraudulent loans. From XXXX I attended the XXXXXXXX XXXX XXXX XXXX for XXXX XXXX. At the time of my studies my Student loan provider was XXXX XXXX. XXXX XXXX split into two entities XXXX of XXXX and became Navient and XXXX XXXX. See Exhibit # A from the XXXX XXXX website discussing the split. I had a delay in my studies due to owing the XXXX XXXX XXXX XXXX money. In the spring of XXXX, I met with an adviser XXXX XXXX to return to the XXXX to finish my studies. I never heard from XXXX XXXX again and later found out in XXXX of XXXX it was because the XXXX XXXX XXXX XXXX was purchased by XXXX XXXX XXXX XXXX in XXXX of XXXX. See Exhibit # B from the State of Ohio showing the XXXX XXXX XXXX XXXX was purchased in XXXX. I can not receive reparations from XXXX XXXX XXXX XXXX XXXX due to school closure. The XXXX XXXX XXXX reporting exaggerated many things but most importantly, I believe I qualify for assistance because of school closure and because credits do not transfer. See Exhibit # C an unofficial transcript from XXXX XXXX XXXX XXXX in XXXX showing no XXXX XXXX XXXX Reporting Credits Transferred. In XXXX of XXXX, I applied for a Federal Loan discharge of my loans due to school closure. See Exhibit # D a letter from XXXX XXXX XXXX saying they do not service loans for the XXXX XXXX XXXX Reporting. On XXXX of XXXX, I received a letter from Navient saying they were going to resume collections on my loans. As I just learned of my rights of the victim of a school closure in XXXX of XXXX, I could not in good conscience resume payment. See Exhibit # E Navient Letter. On XX/XX/XXXX I sent Application for Defense to Repayment ( DTR ) to Navient. See Exhibit # F Certified Mail Receipt and Exhibit # G Application for Defense of Repayment. Navient has not answered in a timely manner. One final concern, Navient was included as a creditor in Bankrupty in XXXX. Normally, student loans are not dischargeable through bankruptcy. However, since this loan amounts to a fraudulent loan, I believe an exception should be made.
I have not been able to use a monitoring service with Experian for 2 months. My credit report has not updated since XXXX XXXX, 2016 and I have been in contact with the Executive Management with Experian since XXXX/XXXX/2016. I have made 32 phone calls with regards to this since XXXX/XXXX/2016 and spoken to XXXX different people about this issue and I have not been helped. After several months of contacting the staff members of Experian and not being helped I contacted the corporate office who promised me return phone calls, but they never called me back. After reaching out to the corporate office and not being contacted back I contacted XXXX XXXX the Vice President of Information Services by phone and email and she refused to respond to my phone messages left or emails sent. No one at Experian is concerned with the fact that I as a consumer ca n't access my credit report. 

I was a member of Experian 's XXXX Website that should have allowed me receive updated credit reports and scores on a daily basis, but as of XXXX/XXXX/2016 that service no longer worked. Even the people within the credit monitoring department at Experian ca n't update my credit file, but they have not cared one bit to fix this issue or assist me in any regard and this constitutes a breech of contract since I purchased their service that would allow me to update my credit reports and update my credit score on a daily basis.
When the debt collector contacted me, she was extremely rude. I have asked several times for someone to explain this debt and how I owe it. They refuse to tell me where how I owe this debt. They are extremely unreasonable and I ca n't get any information when I speak with them. They just yell at me to just pay it. I need information on why I owe this amount
Bank of America, through their XXXX XXXX XXXX XXXX XXXX ( XXXX ), has or will cause to be recorded a Trustee 's Deed upon the sale of their XXXX interest held by the XXXX Deed of Trust to a third party. 

As dual tracking is prohibited, Bank of America and XXXX have no authority to record the Trustee 's Deed based on the unlawful recording of the Notice of Default ( NOD ) and the subsequent Notice of Trustee Sale ( NTS ). 

This property has been held by me under a claim of adverse possession upon meeting all requirements of law. Therefore, my property and home are not subject to foreclosure or Trustee Sale and no NOD or Trustee 's Deed should have been reorded. 

It should be noted Bank of America has made no default claim on the XXXX Modified Deed of Trust to date. 

On XXXX XXXX, XXXX the agent of the XXXX ( XXXX ) came out to my home and could see the published and posted Notice of Ownership through Adverse Possession which establishes the fact the XXXX may no longer claim lack of knowledge of my ownership of the property through adverse possession. Although not required, the Adverse Possession Declaration is still posted on the property to date and will remain until a court order is issued to remove the notice from my property. Additionally, upon being told they would have to put me out of my home, the XXXX agent replied, " We 're not trying to put you out. '' An indication there are no plans or intention to reside upon the property. 

All previously mentioned resolutions are desired and mandatory to include all fees and charges included under the XXXX Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Modified Deed of Trust including, but not limited to the charges related to the XXXX XXXX Deed of Trust.
I have closed accounts still on my report. I have hard inquiries on my report that I did not approve of
ON XXXX XXXX MY EX HUSBAND AND I WENT TO XXXX AND JOINED A MEMBERSHIP WEBSITE WITH A COMPANY BY THE NAME OF XXXX. WE WERE TOLD THAT THIS MEMBERSHIP AT THE TIME COSTED {$2400.00} AND THE DOWN PAYMENT WOULD BE {$240.00}. ON OUR WAY HOME WE DECIDED TO WAIT BEFORE WE START DOING HOME IMPROVEMENTS ON OUR HOME. SO I CALLED THEM THE SAME DAY OR THE DAY AFTER AND TOLD THEM THAT WE WERE CANCELLING THE MEMBERSHIP AND TOLD THEM WHY. I'VE NEVER HEARD ANYTHING ELSE ABOUT THIS UNTIL XX/XX/2018 WHEN I RECEIVE A MESSAGE FROM XXXX XXXX  STATING THAT MY CREDIT SCORE HAS DROPPED DO TO A COLLECTIONS THAT HAS BEEN ADDED TO MY CREDIT. IT IS UNFAIR TO US TO HAVE TO PAY FOR SOMETHING WE NEVER USED. WE NEVER VISITED THEIR WEBSITE OR USED THEIR SERVICES FOR ANYTHING. I CONTACTED THE COLLECTION AGENCY OMEGA RMS THAT SAID WE OWE {$4100.00}. AND TOLD ME THAT THEY WERE HIRED TO COLLECT A DEBT AND TOLD ME TO CONTACT XXXX. I CONTACTED XXXX   AND STILL NOTHING HAPPENED THEY TOLD ME THAT BECAUSE WE SIGNED THE CONTRACT THIS IS OUR DEBT. I ASKED THEM TO PLEASE SEND ME A COPY OF THE CONTRACT AND HIGHLIGHT THE LINE THAT STATES WE CAN'T CHANGE OUR MIND. I COULD UNDERSTAND IF WE HAD WAITED 6 MONTHS OR EVEN A YEAR TO CALL AND CHANGE OUR MINDS BUT WE DIDN'T. I THINK WE CALLED EARLY ENOUGH TO NOT BE CHARGED.
I am the borrower. I sent forms to Navient to update the bank account for monthly automatic draft payment from my bank, for XXXX different loan payments. I received a generic confirmation by mail that did n't show the date the payment would be drafted or much other information. Navient set up XXXX of the XXXX payments so that it would be drafted after the due date and they could charge me a late fee. The first month after the account was updated, I noticed the payment was n't drafted from my bank account so I logged into the Navient website to check on it. The Navient site confirms that the loan payment is set up for automatic payment which they call " Auto Pay. '' The payment was marked " Pending '' on the website. I have printouts of this from the website. There was no indication what day the automatic payment would be drafted from my bank. I immediately paid again by using Navient 's website to pull another draft from my bank, but Navient charged me a " late '' fee for that month and then drafted BOTH payments from my bank account. Navient has n't given me the option on how to apply the extra payment. Navient intentionally set up the automatic draft so that it would draft after the due date and they could scam a late fee from me. The payment that Navient decided to draft on time was the Federal consolidation loans. The payment that Navient decided to draft late was the private business education loan. Navient set up the call-in help line so that it is almost impossible to reach a person. Navient 's number disconnects callers after they have been going through the menus for minutes. If the caller ca n't find an option that describes their situation the call disconnects. If the caller takes too long ( per Navient ) the call disconnects. If the caller calls after work the call disconnects, because Navient closes the line outside daytime weekdays. Navient has done everything they can, short of disconnecting their phone altogether, to add on illegal fees and avoid talking to borrowers and avoid making corrections.
There is a XXXX XXXX account for XXXX XXXX XXXX dated XXXX/XXXX/2011 in the amount of {$160.00}, for what? I have no knowledge of this account, charge nor did I recieve a bill for this service. I have insurance with deductible which was met this year so what is this charge and for who, what was done? This is more false, inaccurate credit reporting. I was never notified of any bill. I want this removed from my credit report immediately.
On XXXX XXXX, XXXX I opened a dispute with Experian on the alleged Bankruptcy that is being reported under my profile. On XXXX XXXX I received my results. HOW IS THIS POSSIBLE? They DID NOT INVESTIGATE the alleged account. I have enclosed the letter from the court house saying they do not report to the credit bureaus and that if they need to get the information they would have to send an employee to get this information, which they never do and DONT DO!! Therefor they are reporting INACCUARCY and damaging my name and my rights. They NEVER VALIDATE or VERIFY and send me ; the consumer PROOF!! Enclosed is the letter from the courthouse and proof of dispute and how quick they just came to this CONCLUSION!! I will be filing with the XXXX and the XXXX XXXX as well.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. This has taken a lot of time away from me and I should be paid for that time.
Re : Chapter XXXX Bankruptcy reported on my CR. 

The US Bankruptcy Federal Court of FL Does not report to Credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However Credit bureaus actively search public records for any judgments. A bankruptcy is public information, again the US Bankruptcy Federal Court does not report anything to various credit bureaus, nor they VERIFY that information reported on my Credit Report is ACCURATE. EXPERIAN has find information through third party research. 
I contacted Experian by mail to provided me with copies of any documentation associated with this account " BEARING MY SIGNATURE '' with the name of the contact person in court that furnish the information to Experian. Experian failed to provide me with the requested information sending just a letter stating they " VERIFY '' the information and to contact the furnisher that is on my credit report and this is The US Bankruptcy Federal Court, I contacted the court and what I wrote at the beginning of this complaint was the court response. I sent the same request letter to XXXX and they removed the information from my report due to the lack of documentation. 
Experian Violated the law reporting information that they ca n't Validate with the Court stating that they " verified '' the info with the furnisher and this is the court and the court does not provide any information to them. 

No documentation were provide to me bearing my signature or how they verify the information. 
I formally request that this information be immediately deleted from my credit file Experian maintain under my Social Security number.
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with AES XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by AES until XX/XX/XXXX. I sent AES an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all 3 of my credit reports