WillisBack/dataset-financial-user-claim huggingface dataset:
American Express openly admitted to " Closing an account that supposedly they have the assumption i opened. '' Firstly the address that is in their response letter that they stated they sent to me is not my address. I have not ever lived at XXXX XXXX XXXX in XXXX TX. Nor have i ever applied for any American Express online. I am reporting this as identity theft as i never opened any American Express account online, i never applied for any American Express cards. Never received any letters from your institution warning of " Dispute billing abuse '' never once received a call. I have never called in to your institution you have no proof of any of these accusations. You stated the " Caller '' verified my phone number and asked to be reinstated, I wouldn't have called in to your company asking for any card to be re instated that i never opened in the first place. Nor would i verify my phone number. Again this fraudulent person committed IDENTITY THEFT. I am going to attach the FTC report to this CFPB case since you continually avoid facts that i am providing to you. You never provided resolution, did not actually research this issue. I never made payments to the account, nor did i ever initially receive any cards from your institution. I don't dispute things with cards i use. So again that would have to have been the fraudster disputing items. You never called my phone to notify me of anything, i never once received any letters or calls from your institution. I have found out just recently from your customer service agent about this account that was opened in my name like you stated " ONLINE ''. You continue to inaccurately report this and abuse the FCRA. So if you warned anyone of any of these " Disputes '' where did the letters go? I never received anything from your institution, yet you state you verified i did. Clearly your evidence is false and you are falsely providing accusations.
I have a relative-by-marriage who apparently has some sort of debt. I have not spoken to her in 5 years and do not have a way to contact her. And yet somehow a debt collection agency ( though it may very well be a SCAM ) has gotten my phone number and for over a year has been calling me at least once a month with automated messages ( from more than XXXX phone number ), saying they are trying to reach my relative to serve her with collection papers. I have tried to tell them that I am not her and do not have a way to reach her, but they still contact me. I tried to download Call Blocking apps on my smartphone ( as they are calling my cell number ), but they are n't very effective and just auto-disconnect the call when I try to answer to tell them to stop calling me, but do n't stop the calls from coming through. I have also text-responded to these phone numbers with the same message, but I am still being harrassed. Now it is to the point where they have called me 9 TIMES IN THE PAST 3 WEEKS. Two weeks in a row, they called me 3 days in a row, from the number XXXX XXXX XXXX XXXX. XXXX this number shows that it is WIDELY reported to be a scam number, FAKE debt collection agency XXXX XXXX -- XXXX ).
Fedloan Services provided a letter indicating a requirement for recertification for the Pay-As-You-Earn-plan. Upon failure to certify by XX/XX/2017, the letter states payments will increase to {$410.00} on XX/XX/2017. However, this payment is lower than my current payment which appears to an error. Under all the material that I have read regarding federal loans, in the event of non-recertification, payments will revert to the standard plan. I find this letter extremely confusing and dangerous. If I were to rely upon this letter, I risk facing an additional {$1400.00} in monthly expenses. The standard payment 10-year for my loans is over {$1800.00}.
In early XX/XX/XXXX I received a notice of a collection account placed on my XXXX credit report from Williams, Rush and Associates, LLC at XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, TX XXXX. The original creditor is noted as XXXX ( educational ) for a debt from XX/XX/XXXX. This is an unknown account to me so I took steps to dispute the transaction with XXXX. A few days after the appearance on my credit report, I received a phone call at home from the collector. I explained that I was unaware of this debt and had no idea what it was. The agent said a letter had been sent back in XX/XX/XXXX, however, the address they had on file was an address I have not lived at since XX/XX/XXXX. Interestingly, upon further review, I see that Williams Rush had done a soft pull on my credit report in XX/XX/XXXX, which means they would have had access to my correct address as well as the fact that a debt from XX/XX/XXXX should have had the correct address listed with the original creditor. I asked for something be sent to me in writing at my correct address so I can dispute the debt. To date I have received nothing from Williams Rush giving me the opportunity to respond with a validation request. 

Currently, there is an extended fraud alert placed on all three of my credit reports in late XX/XX/XXXXas it was discovered that someone was using my social to try to obtain credit cards throughout XX/XX/XXXX and XX/XX/XXXX. The second call I received from Williams Rush in XX/XX/XXXX, the agent claimed that I would have to prove identity theft with them in order to not be liable for the debt and I would need to file a police report. Per discussion with my local police department, they do not do identity theft reports unless actual theft has been proven, which it has not. I am very frustrated that I can not get anything written or sent to me from this collection agency regarding a debt for me to be able to validate or dispute it. They are also responding to credit report disputes as valid without proof. 

My research shows that XXXX ( the original creditor ) is a tribal payday lender, who is not licensed to lend in the state of Texas.There are multiple complaints against this company for their illegal practices. I find it very concerning that a collection agency is reporting collection accounts on unproven payday loans on credit reports.
I have never received any letter from Nationwide Recovery Service stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Nationwide Recovery Service. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all 3 of my credit reports to go down significantly. This is a violation of the fair credit report act and HIPAA law.
On the date of XXXXX-2018, I had checked my credit information on the website XXXX XXXX XXXX And I have found some incorrect information regarding my name and my information used. The name that was used its spelled XXXX XXXX along with the address XXXX XXXX XXXX XXXX XXXX, XXXX SC. That is not I so I feel as if somebody is using my information under that name for identity theft.
The week of XX/XX/XXXX I received a XXXX form from US Bank. It was a suspicious form because it was fairly nondescript, included a withholding amount but not an income/interest amount, and because I do not have an account with US Bank. I have only the US Bank REI Credit card. 

On XX/XX/XXXX I used a phone number I found online for the company, because I did not want to call the number I received on a suspicious form. The individual who answered the call ( the person I initially spoke to ) indicated that I should call the number on the form. I repeatedly told her that the form was suspicious for the reasons listed above and I was concerned about this being a scam. After telling me two or three times that she was " sure I should just call the number on the form, '' only then did she mention that she was not from customer service. I asked her to connect me to customer service. I spoke to a customer service representative who was very cordial who told me that the XXXX was sent out in error and that I would be receiving a corrected one " soon. '' I thanked the representative and got off the phone. 

I proceeded to search for any mention of this error online on the US Bank site or elsewhere to see what standard advice I could find. Nothing was posted anywhere about this issue, even though the representative told me that many customers were affected. 

I received no corrected letter, and became concerned because it is tax season and I need to proceed with filing taxes. On XX/XX/XXXX I called US Bank again. I again spoke with another representative who did not originally know about my issue, but put in the effort while I was on hold to find out. She then came back and said that " only today '' the company had decided that corrected letter would be sent out to anyone affected, and that I should receive one in 7 days. I found this interesting since I was told a month prior that I would be sent a corrected letter. 

To date I have still not received a corrected letter. I believe prompt resolution is important during tax season for an erroneous tax form. To date, there is still no notice on the bank 's online site about this issue or anything that would give affected customers peace of mind.
Sinc
e XX/XX/XXXX2016, I have been disputing the chapter XXXX bankruptcy with XXXX and Transunion. They always states that it has been verified. I requested how this is verified as the courts does not report to the credit agencies.
XXXX removed the chapter XXXX as they could not verify so they removed it.
I constantly rcv a phone call from XXXX,,, was finally able to link it to Penn Federal Credit and once they asked my wife for my name and claimed I owed a long overdue debt. We owe not unpaid debts to anyone ... checked our credit reports ... high scores no outstanding debts ... .they continue to call up to 5 x 's a day and I get a recording and when I call the recording they just want phone number and information ... .they do not stop this harassment and I have no way to directly contact ... no written bills of anything ever sent in the mail..this concerns me as I was on the XXXX hacking list and these calls started after this. How does this ever end??
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXXXXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX
I can't get a straight answer as to what I actually owe. Each number gives me a different answer, each website also different numbers. None show correct payments.
We have bank accounts with XXXX local branch office at XXXX XXXX XXXX XXXX XXXX we do all of our deposits in this branch. On XXXX/XXXX/2016 and XX/XX/XXXX we thought we deposited in amount of {$5100.00} in XXXX batches. On XXXX we deposited check in amount of {$1000.00} even and {$2400.00}. And XX/XX/XXXX in amount of {$1600.00}. 
Once I noticed the discrepancy we went in person to talk to the XXXX, he talked to us and promised he will try to figure it out. After taking XXXX weeks or so around XX/XX/XXXX he called he said he was unable to figure out either from the video footage or from the batches. We have requested to look into the camera for both days which he refused. We then asked if we could talk to the XXXX. He called then we explained the situation and he promised to get back to us. I heard nothing from him since. But we have called twice or so because we are frustrated at this point. We are writing today to you because XXXX does not understand what {$1000.00} meant for a working family. We are deeply disappointed as this speed of respond it extremely too slow and also customer service for paying no attention to the matter in addition to the supervisor and XXXX. It seems they didnt care about what has happened from how they have been drugging us until now. How much this can affect out family? We would like to end any business with XXXX once we get resolution and look for better bank that can take care of our money.
I have XXXX. I have been in school. This month i get a doctors bill from XXXX 60 days over due. Someone steals my bank card for my bank. Now my credit card keeps going up even though im making the minimum payments. This is sick. This is criminal. My discover card was under XXXX two days ago. Im making no charges on it and now it is over and i think it is to stop me from continuing to publish myself as XXXX. I have the right to do what i want and to fight fir my career. I am not going to be a XXXX or work with XXXX. I am now one class short of a degree in XXXX and i want to be XXXX and XXXX using insurance as an excuse when i was XXXX for fove years is wrong. So is my credit card company and XXXX squeezing me dry. Im not crazy. This bullying is. Im not a loser. I will not be pushed down and told i cant be XXXX. That is what im trained to be. My education is XXXX.
I have been trying for the past two years to get these loans forgiven because XXXX scammed me. The loan I have has been very unhelpful with me to the point where Ive had to hire a lawyer to help me get some things done. The loan company has also pretend to help me by giving me fake phone numbers and having me call a number that has nothing to do with what I need. 

I also have no degree because of this and can not get a job in my field. XXXX claims and told XXXX  that I graduated but there is no proof. The company that took over XXXX transcripts has no degree for me.
Fed loan servicing is reporting  XXXX  day lates   XXXX   on  XXXX  loans! I have not been late I have been paying over {$1800.00} a month and never missed a payment!
My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to XXXX XXXX XXXX. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to Experian. XXXX XXXX XXXX has submitted fraudulent documents to Experian in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest XXXX XXXX XXXX will be submitted. 

Experian allegedly conducted an investigation with XXXX XXXX XXXX. Experian was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest Experian credit reporting will be submitted.
TO WHOM IT MAY CONCERN : This complaint is regarding EQUIFAX reporting of a PUBLIC RECORD for CHAPTER XXXX BANKRUPTCY. I previously disputed this via certified mail letters, which included : my name, social security #, address, DOB, exact record being disputed was identified/circled on copy of a previous credit report, and a narrative/explanation detailing why the info is inaccurate, and requested Equifax to delete the information, to investigate the disputed data and provide documentation showing how this record is correct, because it is not. Certified letters were sent to Equifax several times over last year,XX/XX/XXXX. Its nowXX/XX/XXXX. Proper notice has been provided to Equifax on plenty of occasions. No response has been provided by Equifax who has failed to comply with their investigation requirements, violating both Federal and State law. Again, I am disputing this datas accuracy. This public record expresses that Equifax has acted with negligent noncompliance and willful violation of their duties under the FCRA, such as their duty as a CRA to update the accuracy of information being reported. This Public Record should not be on my file. -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - InXX/XX/XXXX, new mandates took effect commanding data of Public Records on Credit Reports , that they MUST include/match the name, address, and Social Security # or date of birth of a person to which the record is connected, or else the data/record must be removed.
Car was wrecked and was suppose to been covered with XXXX coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.
I found a collection account on credit report that looked suspicious. Contacted ERC to inquire about collection and ERC could Not locate collection account under my social security number. ERC was able to locate an account with my name and different social and an address I have never lived at. ERC REFUSES TO CORRECT AND REMOVE ACCOUNT FROM MY CREDIT REPORT.
On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, XXXX, Equifax ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.
PNC XXXX XXXX XXXX had sent out a promotional mailing that said the card had a 4 % payback on ALL purchases. After spending a few thousand dollars I went to cash in my XXXX points and the " conversion '' to cash back and applied to my account and the conversion to cash was only {$22.00}! The 4 % points generation ( XXXX ) are actually not worth {$110.00}, which would be the case with all my other 1 % card cash back, like XXXX, XXXX, XXXX, etc. Thus, the net cash back is not even 1 %, but rather only 0.8 %. I call this false advertising!! 

I talk to a PNC rep today ( XX/XX/18 ) and he said you get less on cash back and most people use gift cards. Well I check the conversion to two gift cards, XXXX and XXXX gas. The conversion is the same, NOT point per dollar, the same 0.8 % conversion of point to dollars. Very deceptive advertising!
I have sent letters to all XXXX credit bureaus reporting hard inquiries that I did not authorize. While I did purchase a vehicle back in XXXX of 2016 I should have not been dinged for that many hard inquiries for a one time purchase. I have asked them to remove or provide me with my signature showing authorization was allowed but none of the companies can do this and all XXXX bureaus refuse to remove the unauthorized hard inquires on my report.
XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Chase credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XXXX has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX
I have disputed the late payments on this XXXX XXXX**** account for months. XXXX and XXXX have reversed them but TransUnion 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. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
DITECH MORTGAGE AKA XXXXXXXX MORTGAGE CONTINUES TO AGRESSIVELY AND IN A VERY HARASSING MANOR TO ATTEMPT TO COLLECT A DEBT ON THE MORTGAGE BACK FROM 8 YEARS AGO THAT WAS SETTLED THROUGH A SHORT SALE. THEY KEEP REPORTING A FULL BALANCE ON CREDIT REPORT RUINING CREDIT REPORT AND CAUSING A GREAT FINANCIAL DISTRESS TO ME AND MY FAMILY. THIS NEEDS TO STOP IMMEDIATELY!!! 
Name : DITECH FINANCIAL LLC Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Past Due : {$55000.00} Acct Status : 120+ DAYS PAST DUE Hide Details GREEN TREE XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Account Number : XXXX Current Status : 120+ DAYS PAST DUE Account Owner : Joint Account High Credit : {$120000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$55000.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$710.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 70 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : Type of Loan : yes Date of First Delinquency : XX/XX/XXXX
I am an authorized user on my cousin XXXX Discover card which has a {$10000.00} limit. I have my own Discover card also but thats where my problem is. The issue here is on XXXX it says there is one late fee. Discover and my cousin have worked all this out and I just want the late fee off my file like it is for him. I have tried calling Discover but since I am not XXXX they will not talk to me about that account. My cousin XXXX who is the card holder of the account called up and they said they would fix it within 10 days business days which they have not done. I just want this late fee removed has his record is 100 % on time payments