WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2018, I received alerts that two collection accounts had been added to my credit reports. I looked into the matter and noticed they were from XXXX/Resurgent in the amounts of {$2900.00} ( the cents change ) and {$1100.00}. I sent certified letters asking for proof that I have a contract with this company. Validation was " confirmed '' through a letter by simply stating it was verified. They provided me with no signed contract or any paperwork for that matter. I sent a second round of certified letters asking for validation. ( Please see attachments ) XXXX/Resurgent then sent a letter on XX/XX/XXXX, days after they received my second round of letters, stating they will not continue to respond to my request for validation without additional information. I have no additional information! I have no information other than what is reporting the the credit bureaus. This company is in violation the FCRA and FDCPA. They have no contract with me. I owe them nothing, yet they continue to badger me with letters and report this erroneous information on my credit reports. I also contacted the credit bureaus. They have " verified '' the information. Interestingly, they too were unable to produce any documents of my signature showing these accounts belong to me. Other than empty rhetoric, XXXX/Resurgent had nothing to offer by way of validation.
On XXXX XXXX, 2017 my wife and I went to the US Bank location on XXXX XXXX in XXXX XXXX, MO to move money from our checking account to a new CD. The bank representative would not do so unless we answered several questions to update our profile, including a question on income. In today 's environment of identity theft, we do not want any personal information exposed unnecessarily. I called US Bank 's XXXX XXXX number, and a banker there confirmed the bank 's position. We checked with another bank with which we have an account, and they confirmed that they do not require this information. It seems this is more for US Bank to market their products rather to be customer-focused. Had we applied for a credit product, we could understand the need for the information. However, this should not be required to move our own money.
Escrow was analyzed XXXX/XXXX/2016, showed # XXXX shortage, which I paid ( Scan XXXX ). Received adjusted anaysis date XXXX/XXXX/16 ( Scan XXXX ). Mortgage changed in that I no longer have to pay PMI of $ XXXX/month as of XXXX, 2016. Received Escrow Disclosure requesting ANOTHER {$1500.00} payment of " Escrow Shortage '' dated XXXX/XXXX/16 ( Scan XXXX ). They have taken my winter taxes, which were {$160.00} last year, and plugged in the larger amount of my summer taxes ( which was used as summer tax amount ) of {$2000.00}. I called and explained all, requesting re-analysis, on XXXX/XXXX/16. I was told the account would be analyzed again and I would receive a letter within 21 days. Nothing has been received but my bill indicating the escrow increase of almost {$200.00} per month. The taxable value of my home has only increased by {$130.00} over last year ( Scan XXXX ). This is nothing more than robbery.
Starting in XX/XX/2013, Someone used my name and address to create checks, to a fraudulent checking account. I filed a complaint with FTC ref number XXXX and a police report ( report number XXXX. I looked at my credit report, and found XXXX pages these fraudulent checks on it. I do n't know how to get these off my credit report.
XXXX   XXXX   duplicate charge on account. called to dispute told it would be credited back to account. Monday   XXXX   XXXX   no credit in account. Called again and given a credit of  XX/XX/XXXX  Woke up Wed   XXXX   XXXX   the credit for   XXXX    vanished without a trace, there was no record it ever went in or came out at all, and I received a letter dated    XXXX   XXXX     stating that the credit had been given and " If we decide the charges were correct, we 'll let you know before we reverse the credit. '' Chase bank did not let me know before they reversed the credit and bounced  XX/XX/XXXX  checks I wrote to the state   XX/XX/XXXX   which could have caused me criminal charges for passing bad c hecks.
I received a letter today threating to report to my credit. I am a victim of fraud I also have no account nor Contract with XXXX XXXX XXXX or their client XXXX XXXX. Therefore reporting to my credit wouldn't be accurate since this isn't my debt. I do not owe this
I took two XXXX classes with the University XXXX XXXX. I only took the two classes and only authorized a loan for the two classes in XX/XX/2009 ( XXXX and XXXX ). I advised them that due to my work schedule I would only be able to do the two and not able to continue with online classes due to the fact my work schedule was too demanding and I was struggling to complete the two classes I agreed to. Also I had found out that I was lied to by the University XXXX XXXX about graduation rates and successful job placement. Prompting my withdrawal from the school. When I looked at my credit report the amounts being charged to me where not as discussed by the advisor and I. I continued to try to resolve the problem with the University XXXX XXXX with no one being able to help with the issue and telling me to contact the loan company Navient. When I would contact Navient I would get rhe run around, different numbers to call, numerous people to speak to. Resulting in mostly answering machines and no response back. I recently had my income tax offset due to this, when i called Navient to demand a breakdown of the original loan, I was denied the information of the original loan. I am now being charged over {$5000.00} dollars for two online classes from the University XXXX XXXX and has been broken into two separate balances on my credit report.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.
My XXXX XXXX credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of XXXX  XXXX of 12 month history along with the tradeline of {$600.00}. XXXX XXXXXXXX denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of XXXX XXXX for XXXX and Experian. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor XXXXl XXXX. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with XXXX   XXXX since XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. XXXX  XXXX does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and Experian. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and Experian have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and Experian resulting in loss of age in credit history and fico scoring XXXX XXXX have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXXXXXX XXXX credit monitoring service as well as the Experian report. I have an old account and another active account with XXXX XXXX old account dating from XXXX that was settled and another that is active which is XXXX opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by XXXX  XXXX to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from XXXX XXXXXXXX of 602 reporting the only cra reporting it.
I received a copy of my credit report on XX/XX/XXXX, where I seen a collection agency listed from XX/XX/XXXX by the name of Cavalry Portfolio Services. I was NEVER contacted, nor given any information in regards to this company. I have absolutely no knowledge of this company and have NEVER been notified by this company. On XX/XX/XXXX I sent a debt validation request, not verification as I have the right to request the contract and proper validation of this debt " claiming '' to be belonging to me and the contract and the amount owed under the FDCPA. On the date of receipt by tracking, that Cavalry received my letter, they reported a {$1.00} decrease in the amount total owed. At first it states {$480.00} now it states {$470.00} on my credit report. I waited for Cavalry to respond and send me proper validation that constitute and aligns with the my rights as a consumer, of which I never received. Also the proof of the license and ability to collect in my state. On XX/XX/XXXX I received a letter from this company dated XX/XX/XXXX, stating they were notating my account as " disputed '' and would write me within 150 days with validation, NOT the proper 30 days that is required by thus set laws. Still did not contain any validation of this debt belonging to myself and the contractual agreement between myself and this company. On XX/XX/XXXX I received a second letter from Cavalry, stating they bought my debt from a company with the same name, and this was my notification of them owning a debt of which I never had a contract with or was ever validated. Stating I have 30 days to respond with a request for validation or else they will assume the debt is mines. " Assuming '' is not legally binding, and they are completely ignoring my request for validation upon initial letter sent to them, in and effort to buy time. This is not correct nor proper, I have already requested debt validation from this company, of which I have yet to receive. Instead I have received the run around. On top of that, placing false information on their forms in an attempt to collect, because they did not properly validate nor notify me of any debt that is claimed to be belonging to myself and then, so in a desperate attempt, they state they sold it to a sub division within their company. The company has the same name, same number, same account number, and is reported to the Credit Bureaus as the same company. They lowered the amount by {$1.00} to falsely make it seem as though, they sold it to cover up the fact, they never notified me, they never presented proper validation, and they have in fact listed erroneous information on my credit report without following the right and proper level guidelines to do so. I feel violated, and yet I STILL have not received VALIDATION of this debt nor a contract, between myself and this company, after I have made the request by mail, have copies, and a certification receipt that they in fact received it.
Purchased a car from carmart and would not fix car when asked so missed one payment and acct rep sd they were taking us to court and going to garnish our checks. Was rude and saying rude things.
I asked my bank why they were charging me interest charges on a secured credit card of mine, cause the credit line on my card is money I put in there trust because I had bad credit.I was told that I would only have to pay a annual member fee charge.I put {$1000.00} dollars for a secured credit line of my money so I could start a credit history.The thing that really worried me was last month I never used, are charged anything on my credit card and they charged me a {$11.00} interest charge on purchases made? When I ask them why they told me it was in the fine print that I agreed to, ( I NEVER SEEN THAT ARE TOLD THAT ) .I also notice that my credit line is charge a interest charge every time I use the credit card to buy something.
In   XX/XX/XXXX t he last payment of  the Ditech lo an ( they had purchased from  XXXX   )  was due. I had monthly automatic withdrawals established for my lo ad. Four days  prior, realizing I had not gotten anything concerning the payoff of the load, I called  Ditech  asking for the payoff and asking them to no longer take payments from my account since the loan will be paid off. They told me it was too late to cancel the payment for the final amount and they would refund me the difference after the payment. Based upon this, I did n't make the payment. When I noticed they had not taken the payment I notified them and they had tacked on fees etc. They credited the fees to me and gave me the address to send the final payment. I told them i did not expect this to hit my credit report and they assured me it would n't. In  XX/XX/XXXX , I checked the credit report and there it was. They continued to say that they had not reported it. I supplied them all the requested information and they replied by email saying it had been taken care of ( I have copies of the documentation and email ). I checked my credit repo rt in  XX/XX/XXXX  and it is STILL there. When I call them they still  say they did n't report it. The supervisor I spoke with reviewed the notes and though their email said they took care of it, she said the request was denied all 3 times I called in. When I said I had the email stating it had been taken care of she said it was taken care of ... it was denied. She was supposed to contact " them '' again to understand why and call me back the next day. She of course did not. I 'm seeking help to get this error off my credit report. I was unfairly penalized for their error. They admitted it was their error by crediting the fees but they lied repeatedly about reporting to the credit bureau and then refusing to correct the situation.   Thank you.    XXXX   XXXX   (   XXXX  )
I had a bankruptcy discharged in XX/XX/XXXX. XXXX waited 10 years after my bankruptcy and put it back on my credit. I had to fight with all the credit bureaus to get it removed. I sent in my bankruptcy papers to Equifax to have it deleted. Equifax ADDED the bankruptcy to my credit file. I spent 3 hrs on the phone arguing with them to have a young woman from overseas state that my bankruptcy was filed in XX/XX/XXXX and would remain on my credit for 10 years. I sent a schedule showing them listed as an unsecured creditor and also the discharge papers. Equifax will not admit they made a mistake by placing an 11 year old bankruptcy on my credit and said I needed to dispute it. Why would I need to disputed something they added to my file incorrectly? I have been going in circles with them regarding this bankruptcy and I am at wits end. Please assist me with this. They Equifax operator said the bankruptcy has never fallen off my credit ... from XX/XX/XXXX??? This is unreal!!! These credit bureaus do not have the right to ruin lives and upset you day to day life style ... and then take their time to correct the error.
We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. 

Upon recent credit report review- and after several notifications to Equifax- the fraudulent loan remains on the Equifax credit report. 

At this point I am unable to review XXXX and XXXX- not able to access their website. 

Thanks in advance for any assistance you can provide.
On or around XX/XX/XXXX Navy Federal entered negative remarks on my credit report on a credit card debt they never validated coming from a legit loan. They never sent me anything proving the credit or loan came from their own capital or funds and risked something of value on their part. They seemed to either ignore or misunderstand the multiple validation letters sent to them since XXXX XXXX to present XX/XX/XXXX. As explained in my notice of dispute : THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
XXXX XXXX sold my debt I owed them to XXXX XXXX XXXX XXXX XXXX is still showing a debt owed to them as well as XXXX XXXX XXXX  showing a debt. Both are reporting on my credit report. So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since XXXX XXXX no longer owns this debt.
I applied for TD Bank EasyRewards card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first 90 days. I have spent more than {$500.00} within that timeframe, but have never received this bonus.
I had a tax lien with the IRS in XX/XX/XXXX. The lien is paid in full.
Collection agency Bull City had fraudulently reported that I owe XXXX XXXX over {$1300.00}. The negative report to my credit has impacted me economically. I have filed a police report and a report with the FTC and will press criminal and civil charges.
PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue EXPERIAN, and this is proof of my ordeals.

1-I have attached to this complaint the tremendously inaccurate accounts which you are displaying on my reports. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE and that is WHY you are refusing to understand the incorrectly information when it comes to XXXX! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE on my XXXX card # XXXX  ... you are illegally reporting incorrect information. There is 1 ACCOUNT on my credit report from XXXX with STATUS " CLOSED '' with a false 30 day LATE on it and another one that is displaying the same information in the OPEN accounts with the same account # ( that is the accurate one ). DELETE the one which is LATE and CLOSED, that does not belong to me. MY CARD IS OPEN and late-free! I do not know the closed one is with the 30 day late ... it is not mine or accurate. This is not an account that belongs to me and the information is inaccurate, mixed up and false.

2- Second reason why I am going to sue you is that you have not carried out on an investigation into XXXX # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!

I have disputed this multiple times and my recent response from Experian was absolutely off from what I believe that they sent me the wrong response. Their response to me seemed to me was meant for someone else. I didn't dispute anything regarding " child support '' and they claim my dispute was regarding child support, which is very confusing. They responded to me regaining multiple things which I never referenced and do not know who they belong to.

So, basically they may have sent my response to someone else and now I am worried my information has been compromised.
Portfolio recovery has repeatedly called me, Calls me twice a day every day. I tried answering the phone a few times but then no one talks. I have asked them not to call me. Here is an example from my call log. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX ORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Wed. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Tue. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sun. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Sat. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 4s RECEIVED XXXX XXXX EDT Thu. 
XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed. 

PORTFOLIO RECOV ( XXXX ) XXXX 3s RECEIVED XXXX XXXX EDT Wed.XX/XX/XXXX PORTFOLIO RECOV ( XXXX ) XXXX 6s RECEIVED XXXX XXXX EDT Mon. 
XX/XX/XXXX
I am writing about a dispute between Citi Bank and XXXX XXXX. My credit card is issued by Citi ... and is called the Chairman card but is pursuant to a license from XXXX XXXX. When I make charges, it functions as an XXXX XXXX card. My bills, which are automatically paid in full every month, come from CITI. Here is the issue : Due to some kind of dispute between Citi and XXXX XXXX, they have refused to issue new cards with the chip. The customer service rep at Citi told me recently that they have a contract issue that is still ( after two years ) not resolved, so they can not issue a new card with a chip. In answer to my question about when a decision would be made, the Citi customer service rep said he would file a complaint on my behalf and that there were others who had requested he to the same on their behalf. What can be done to get at Citi Chairman card with a chip? I can not get an answer from either company.
This month is the 3rd time I have tried to pay off my account with the company XXXX XXXX located XXXX XXXX XXXX XXXX TX XXXX. This has happened since the day XX/XX/XXXX on the phone and Every time I call the store to pay off my account in full. they do not let me do a fun payment to pay off my account. They say that they will report it the my credit that I am not making my monthly payments on time. and that will affect my credit in a negative way. They tell me to make my monthly payment only. so Im not allowed to pay off my account in full which is what I want to do. and all 3 times I have gone all 3 different employees have told me and treated me the exact same way which is unfair. when I asked for a Supervisor they denied to transfer call their supervisor. I was told that the manager would tell me the exact same thing about not being able to pay off my loan, so it was pointless to speak to the manager. every single time I speak with a employee they are very rude and direct. 
When I make my loan with XXXX the employee who made my loan explained that there are no penalties if I payed off my account in full early. and explained to me that if I payed off my account early would save interest and it would get reported to my credit as a positive credit.