WillisBack/dataset-financial-user-claim huggingface dataset:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : N/A XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats 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 youve 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 XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX   XXXX, the courts ruled each and every time that the CRA couldnt  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 doesnt even contain my reasons for the dispute is not reasonable. 

If you dont 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 Im 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I received the first call on XXXX XXXX and the second call on XXXX XXXX. The phone number was XXXX. I have absolutely perfect credit and have never had uncollected debt. I did not talk to anyone. I listened to the message stating that the organization is called Capital Management Services and that they are a collection agency and have a debt that I need to take care of. I have no intention of calling them back.
I asked for a dispute on XXXX for XXXX XXXX XXXX of Deed about a tax lien placed on my credit report. I called the number listed and it was the wrong number, I found the XXXX XXXX XXXX of Deed office and they did not have a tax lien against me. I gave that information to Experian and they refuse to remove the item, nor did they follow up on the information. I again am trying to dispute this item and they refuse my dispute. The same information was given to XXXX and XXXX and they verified and remove the line item on my credit report.
When trying to access any credit score information regarding my credit account with  XXXX  I get an error message after answering the verification questions repeatedly I even tried to access my annual credit report online and on  XXXX  website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   accounts are positively reporting with them so I know I have a file but every time I try to acce ss my   XXXX   score on  XXXX  or on  XXXX  or   XXXX   XXXX   I get locked out I need to be able to access my free  XXXX   fico sco re I have similar problems with equifax however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my  XXXX   XXXX   since we have  reported that with the credit companies and an official change of address so I do n't understand what is locking me out
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX   Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Account # : XXXX Date Open:XX/XX/XXXX Balance : {$200.00}, {$98.00} & {$83.00} Account # : XXXX Date Open:XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$500.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} and {$700.00} Company : XXXX XXXX XXXX XXXX   Account # : XXXX Date Open : XX/XX/XXXX Balance : XXXX Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$180.00} and {$250.00}
I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Best Buy Opened XX/XX/XXXX Closed XX/XX/XXXX XX/XX/XXXX
I had been paying on XXXX Hospital bill ( account # XXXX ) in the amount of {$1300.00} for Date of Service XX/XX/XXXX, religiously, every single month to XXXX XXXX XXXX ( XXXX ) in XXXX, Indiana. Then one day, my husband went in to pay the bill, and he was told by a XXXX representative that " nothing else was owed on the bill. '' The money ( {$50.00} ) was immediately given back to my husband, and we heard nothing else regarding this bill until XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from CBCS Collection Agency ( phone XXXX ) regarding this bill. However, I NEVER once received any documentation whatsoever from CBCS regarding this account, even though I asked several times for written confirmation that this debt was owed, or what the new amount was. Around XX/XX/XXXX, I started receiving calls from XXXX XXXX XXXX, stating that I owed the exact same amount on the exact same account to their law firm on behalf of the same hospital. Once again, I NEVER once received any documentation whatsoever from XXXX XXXX XXXX regarding this account. *According to the Fair Debt Collection Practices Act, I should have received some sort of documentation within 5 days from both of these collection agencies, but I DID NOT! Now, I am getting multiple calls from both agencies at the same time! Therefore, I vehemently DISPUTE THE VALIDITY OF THIS DEBT!! and I intend to stand up for my rights. Two companies can not legally pursue the same debt at the same time.
Two credit accounts were opened WITHOUT my consent or knowledge. One was XXXX ( XXXX ) and the other was XXXX XXXX. I found out about these fraudulenty opened accounts while checking my credit report on XXXX XXXX. I would like to investigate further into these two unauthorized opened accounts and want to know how this will not continue to happen. Also, I would like to know when the negative impact on my credit report will get reversed.

Thank you.
On X/XX/17 I received an alert from a credit monitoring service that I am subscribed to that the following company had added a collection account to my XXXX report. I did not receive a dunning letter therefore I did not have a chance to dispute or validate the debt. I would like this account removed from all 3 of your credit reports immediately, as I am sure I do not owe the company, and was not given a fair opportunity to dispute this.
I have had a mortgage with US Bank since XX/XX/2012. I have always paid my monthly payment through my bank with electronic transfer. I have never had a late payment. About 5 months ago, when US Bank received the payment they posted it as principal only. Despite numerous phone calls on my part, and corrections made by US Bank, they continue to post every monthly payment as principal only. They then proceed to call several times a month to get the " late payment. '' This month I have talked to them twice, and both times I am told that they will change their system to show that the payment was exactly that ... my monthly payment. The person I talked to yesterday suggested that I make my payment so that US Bank receives it after the first of the month, rather than before. I just got yet another phone message, a recorded message, to call them again and be put on hold ... again.
Bank of America had provided me with a car loan that was linked to my ex-boyfriends ' bank account. Every time I tried to make a payment. It was near impossible because they require that I provide them with my ex-boyfriends credentials and due to me not having this information the system and operators kept rerouting my calls ; " the run around ''. After a few calls there were times that I had to wait for days for a call back from the company so they could accept a payment. At times I made double payments just to avoid the hassle of having to commit so much energy and time to keep my account updated. In between the months of XX/XX/XXXX and XX/XX/XXXX I reached out to the company to make a payment and the operator stated she will have someone call me back to be able to process the payment because once again I did not provide them with my ex-boyfriends personal information. Finally, when the company called me back it was their collection department that demanded a payment and that " they did not care where the payment was coming from as long as they get a payment ''. I explained my situation to the operator and agreed to make a payment, but their system had reported inaccurate information on my credit report " delinquent ''. the operator said " that no one, has the authorization to correct this error ''. but she will noted on the account for someone to call me back. when I received several call backs from the company, everyone stated the same argument. " that there is nothing they could do '' I currently have some of the recorded phone calls with the various operators harassing me instead of trying to find away to fix the problem. due to their negligence of recording accurate information on my car loan in a timely manner, placed me under the category of delinquency because of this interpretation I was denied credit which accompanied an economical depression and tremendous emotional damage a violation in ones investments aspirations. Even though there is an insufficient compensation amount set for emotional damage referred to as " pain and suffering '' therefor I am in the pursuit to restore some of the damage in regards to the restoration from defamation of character on my credit report which caused a financial set-back.
I WAS CHARGED FOR SEVERAL TRANSACTIONS ON MY XXXX XXXX XXXX XXXX XXXX   ON SEVERAL DIFFERENT DATES.. I REPORTED THESE TRANSACTIONS TO THE CREDIT CARD COMPANY WHEN CHARGES APPLIED TO MY STATEMENTS. I WILL LIST ALL TRANSACTIONS ;XX/XX/XXXX TIMESHARE XXXX-XXXX   XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXX TIMESHARE BY OWNER-XXXX XX/XX/XXXXTIMESHARE BY OWNER-XXXX HAVE NEVER DONE BUSINESS WITH THESE COMPANIES AND I TOLD THE CREDIT CARD COMPANY THAT.. I HAVE BEEN DEALING WITH MY SICK HUSBAND AND TOLD THEM THAT ALSO, BUT THEY DID NOT CARD ABOUT ANYTHING.. THE CREDIT CARD COMPANY KEPT TELLING ME I DID MAKE THESE CHARGES AND THEY STATED I DID TELL THEM I MADE THESE TRANSACTIONS WHEN IN FACT I NEVER EVER TOLD THEM SUCH A THING.. I WOULD LIKE TO RECIEVE MY CREDIT BACK FOR ALL THESE CHARGES. THIS IS FRAUD AND I WANT MY MONEY BACK.. I LIVE ON A FIXED INCOME AND NOW DEALING WITH MY SICK HUSBAND I REALLY NEED MY MONEY BACK.. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME
This is a credit card that I use monthly, but I also took out a cash advance in XXXX. Since XX/XX/XXXX, I have been paying the credit card balance in full each month ( statements attached to show this ), but they are still charging me interest on the cash advance. I tried talking to their customer service, but they could not explain to me how I was paying the balance in full each month sinceXX/XX/XXXX, but still being charged interest. There is no extra " balance '' showing up on page 1 of the statement, and I am not sure how I am supposed to pay more than the balance due each month, or how I am supposed to get rid of this supposed cash advance balance that seems to somehow be hanging out there each month and accruing interest. I have attached all statements sinceXX/XX/XXXX that show I have paid the balance due on page one of each statement in full each month, but also on page one it shows I am being charged interest - which is reflected then on page 3 of each statement as an interest charge for a cash advance balance ( but there is no where on the statement where this is reflected  in my balance owing on the statement, and therefore no way for me to pay it off ).
I have been requesting monthly statements and an account payment history of our mortgage from PHH, to be mailed to us for over 3 years now with no resolution. My husband and I filed for Chapter XXXX Bankruptcy in XXXX XXXX. Even though our mortgage is not included in our XXXX XXXX payment plan ( we pay on our own ), the PHH representatives that I have spoken with have all told me they can not send us monthly statements because we are " in a bankruptcy ''. I have told everyone that I have spoken with at PHH that I am still a customer that deserves the right to have monthly statements sent to us like any other customer. Even with giving them permission to send monthly statements, they will not. The only written correspondence we receive from them is our annual escrow analysis, which I might add is in a surplus of over {$2000.00} and has been since XX/XX/XXXX. When I first received the escrow analysis notifying us of this surplus back in XX/XX/XXXX, I called PHH to inquire on how this surplus will be released to us. I was informed again that because I am in a Chapter XXXX Bankruptcy they can not release the funds. When I received the escrow analysis in XX/XX/XXXX it again showed a surplus of over {$2000.00}. I called PHH again advising that I am requesting this surplus to be released to us. Again I received the same response from the PHH representative. And the same response again when I received the escrow analysis in XX/XX/XXXX. In addition, every time I speak with a PHH representative, I am told we are behind in our mortgage. I tell them every time I would n't know that I am behind because they have n't sent me a monthly statement in over 3 years!!! Every time I inquire with a PHH rep as to how much we are showing as delinquent, the amount varies drastically. The last rep I spoke with on XXXX/XXXX/XXXX advised me that we are behind over {$5000.00}. I know between XX/XX/XXXX and XX/XX/XXXX we have missed 2, possibly 3 at the most, payments, but it is no where near {$5000.00}! I should mention that I also request a payment history be sent to me every time I speak with a PHH rep as well and even though they all promise me that one will be mailed to me ( I guess they can send payment history even though I am " in a bankruptcy '' ), but they never send it. I have advised PHH that I need written clarification on the actual amount my mortgage is behind and once that amount is validated, I want all of the entire escrow surplus to be applied to that delinquent amount. PHH has advised me that I can not apply our escrow surplus to the delinquency amount because we are " in a bankruptcy ''.
My name is XXXX XXXX and I have been a Victim of Identity Theft since XXXX, XXXX and XXXX. I have been working with my credit file and I have also had a freeze on all XXXX credit bureaus so I can monitor my credit what is left. XXXX Barclays Card ending in XXXX is still on my credit file, I have just sent them proof of being a victim in XXXX with IRS. I am asking for them to remove this alleged account from my credit file and I have sent them my police reports showing ID Theft. When I call their company at XXXX on XXXX XXXX XXXX to address this account, XXXX ; XXXX XXXX, XXXX XXXX ; XXXX and XXXX XXXX there is obviously a problem with this account. I am asking for the fraud department to either close the account so it is not on my credit file or send me another credit card.
On XX/XX/XXXX I refinanced two of my five loans with XXXX XXXX through XXXX. Due to having made on time payments to these XXXX XXXX loans while throughout the refinancing process, the amount due was less than the amount borrowed through XXXX, resulting in overpayment of the two XXXX XXXX loans ( {$260.00} & {$380.00} ) at the time of refinancing. This resulted in a credit to the XXXX XXXX loans, leaving me in positive balance. On XX/XX/XXXX I called XXXX XXXX to request the positive balances of these two loans be applied to a loan still in negative balance. The customer service representative I spoke to replied that they could accomplish this, and I ended the call thinking that it would be handled. 

7 days later, the request still had not been completed. The positive balance had disappeared from the two loans and had not been credited to the existing loan. The transaction record for my loans showed a Credit Balance Refund for the {$260.00} & {$380.00}, but the money has not been refunded to my bank account, nor credited to any of my existing loans. Once more I called to request the credit be applied. The customer service representative stated flippantly that this was " their busy period '' and " the back office '' would need to handle this request. She stated that she would put in another request. Neither of these things were mentioned in my first call. It has now been one month since my loans were in positive balance and 16 days since I called to get the balance redistributed with no result other than the disappearance of my credits. 

As a customer of XXXX XXXX, I would prefer my requests be handled in a timely and polite manner. Neither of these elements has ever been a part of my dealings with this company. I am extremely dissatisfied with their service and actions as a company.
I received a call from a place claiming to be ACS, I 'm currently up to date with my student loan payments so there is no reason for this harassment. They called from ( XXXX ) XXXX, they called yesterday twice. The woman on the phone fought me to introduce herself before finally saying XXXX from ACS. A company I have never heard of.
IT HAS COME TO MY ATTENTION THAT TO DISPUTE INQUIRIES ON MY CREDIT FILE I MUST CONTACT THE AGENCY THAT DID THE INQUIRY, REQUEST THEM TO SEND ME A LETTER TO REMOVE IT AND THEN FORWARD THAT LETTER TO YOU ALL AT TRANSUNION WELL I TRIED THAT. AND WELL NO SUSCESS BECAUSE I CAN NOT GET A HUMAN ON THE PHONE FOR THE LIFE OF ME. TRY IT YOURSELF CALL XXXX  AT THE NUMBER PROVIDED ON THE INQUIRY XXXX. YOU MUST HAVE AN ACCOUNT WITH THEM TO TALK TO ANYONE. THEREFOR IT IS IMPOSSIBE TO DO WHAT YOU ARE ASKING ME TO DO TO HAVE THE ACCOUNTS REMOVED. ACCORDING TO FCRA, ACCOUNTS THAT ARE FRAUD AND DEEMED AS FRAUD SHOULD BE REMOVED BECAUSE THEY ARE POSTED ON MY CREDIT FILE INNCORECTLY. AND ANY AND ALL INNACURATE INFORMATION SHOULD BE REMOVED. THEREFOR I AM REQUESTING ONCE AGAIN KINDLY TO HAVE THE ACCOUNT INQUIRIES REMOVED PERSUANT TO THE FCRA. I HAVE SUBMITTED A COMPLAINT, AND ALSO SENT YOU NOTICE OF FILING A LAWSUIT FOR THIS AS NOT ONE CREDIT AGENCY SEEMS TO DO ANYTHING CORRECTLY. NOT ONE. AND HONESTLY I HAVE BEEN GOING THREW THIS FOR YEARS NOW WITH THE XXXX  DATA BREACH, AND I AM DONE BEING PATIENT WAITING 30-45 FOR NO RESULTS. SO THIS IS MY LAST ATTEMPT also incorrect account balances on XXXX card .... it has a XXXX balance and they reporting over {$600.00}
There are XXXX incorrect addresses showing on my credit file. Please remove them XXXX XXXX The correct address should be : XXXX, XXXX, GA XXXX
I am a conscientious borrower and historically have kept my student loans payments up to date. To make this easier, I changed from individual internet payments to using the bill pay service from my bank. When I made internet payments to ACS, they would divide the payment between my XXXX accounts there. When I changed to my bill pay service, they began to apply the payments exclusively to XXXX account. Consequently, XXXX account is now paid up through spring next year. But the XXXX account is listed as overdue. They reported me to the credit agencies because of the overdue account. I have called multiple times explaining the circumstance, and asked them to apply the amount necessary from the over-paid account to the past due account to bring it current. I now make to separate payments each month to keep the overdue balance from getting larger. But despite my efforts and multiples calls, they still have not transferred funds from the over-paid account to the overdue account. They have reported me to the credit agencies, which has had an impact on my credit rating. And they keep calling me and hounding me at work. I see no reason why a consumer who has over-paid ACS should be subject to the embarrassment of being called by creditors at work ; a decrement in my credit score ; and the frustration of explaining the circumstance over and over only to have ACS fail to address the circumstance. Please help.
I have a Mortgage with XXXX XXXX which was serviced by LOANCARE. The mortgage was recently refinanced and paid off. I inadvertently sent in a loan from my bank 's web bill pay after the loan was paid off and that account number was closed. I have been trying for close to a month to get the money refund. Three phone calls just today alone and I was shuffled from one customer rep to another repeating the same information over and over. I have called LOANCARE 6 prior times and fax them the info they asked for which they said they did not received. I even verified the fax number was correct with a customer representative. 
In one phone call the customer service rep placed me on hold and after 10 minutes on hold a different customer service rep picked up the phone and so I had to repeat everything all over again. She then placed me on hold and next thing I know I had a dial tone. 
There is no doubt in my mind that they do not intend to give me my money back and is stalling hoping I will go away. But i am talking about almost a thousand dollars. Now they want me to email the same information they did not received via fax even though I verified I sent it to their correct fax number.
I have recently sent letters to dispute medical collections on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation. I have requested that these files be removed from my Equifax CB, I received response from Equifax that this account was verified as accurate and updated.
I am  a US citizen but no longer live in the US and have not  for nearly 8 years. I do n't have an active banking account in the states as I do not want to pay f or one and  have no benefit in doing so, given I am on the other side of t he Atlantic Ocean. B ecause of a federal regulation change in  XXXX   2017 I ca n not make a paymen t on Navients web site nor calling them. They oblige me to pay via  a US banki ng account. This is absurd. I have not been given any solution after several attempts at vein given a solution. The only explanation is that they do not want to pay foreign exchange, or have not set up such system yet. I have not been given or suggested a viable solution except to pay from a US account. Really ? In 2017? Th e global world we live in has solutions. I want to pay, I have the money. Help me to help you.