WillisBack/dataset-financial-user-claim huggingface dataset:
SOMEONE OPEN UP FRAUD ACCOUNT IN MY NAME XXXX XXXX EQUIFAX DID NOT PROPERLY REVIEW DOCUMENTS PROVIDED. ONXX/XX/XXXX I FILED A POLICE REPORT WITH THE XXXX POLICE DEPARTMENT DUE TO STOLEN IDENTITY. SOMEONE OPEN UP A PAYDAY LOAN USING MY SS #. THE POLICE REPORT SHOWS AT THE TIME THIS HAPPEN I RESIDED AT XXXX XXXX XXXX XXXX XXXX AL XXXX. AND ALSO THE OWNER OF THE PROPERTY XXXX XXXX XXXX XXXX AL PROVIDEED A MOVE IN DATE TO EQUIFAX THAT CLEARLY SHOWS I COULDNT HAVE POSSIBLY LIVED AT 2 PLACES AT 1 TIME. I SUBMITTED PROPER VERIFICATION AND EQUIFAX DID NOT LOOK INTO ANY OF IT .ALSO MY FIANCEE WAS LIVING AT THE SAID PROPERTY IN XX/XX/XXXX AT THE SAME TIME SOMEONE OPEN UP A ACCOUNT USING MY INFORMATION HOW CAN 2 PPL BE BILLED AT THE SAME TIME SAME ADDRESS SEE ATTACHED BILLS
My first letter to American Express was on XX/XX/2018 I requested them to investigate the hard inquiry on my credit report because I believe I did not authorize this company to run my report. I received a letter from American Express on XX/XX/2018 stating they are unable to comply with my request. I sent a second letter to them on XX/XX/2018 stating under the Fair Credit Reporting Act they have to mail me a copy of my signed authorization form that gave them the right to view my credit, so that could verify or not verify it being my signature. If they can provide me with this information under the Fair Credit Reporting Act they must delete it off my credit report. I received a letter from America Express on XX/XX/2018 stating once again that they can not comply with my request. I do not feel like this company even looked into my request by the mirrored letters they sent me.
on XXXX XXXX, 2016 I received the enclosed notice from SONNENCHEIN Collection Agency. In that notice I received no validation of the supposed debt but one photograph with of the supposed traffic violation. At that time I wrote the company the enclosed validation letter via certified letter with return receipt, to which they never replied. Shortly after that date as I was periodically checking my credit report, I saw a collection account for {$400.00} and my stellar credit rating dropped by XXXX points! The next day I called the collection agency and they told me " they are not responsible for the mail they sent out. '' I never received anything from the city of XXXX regarding these fines. What is most important is I never got a chance to have a hearing regarding these fines. Additionally, the pictures taken by this red light camera show I came to a full stop before making a lawful right turn. The city of XXXX has also been sued for practices like this in not allowing drivers to have proper notice or options for a hearing. This red light camera, which is located on XXXX appears to not be properly calibrated. I would like the public to know this company, along with the city of XXXX is exploiting a loophole within the debt collection laws. This company is collecting for the city of XXXX and is calling them " fines '' and not debts. Therefore, they think the Federal Debt Collection Practices do not apply to them.
XXXX XXXX, 2016 {$350.00} I called and notified the collection company that this is not my bill when it was received in 2016. This is a Bill for a XXXX XXXX XXXX in Florida. Which is not my name nor a name I have ever gone by. The last 4 of the Social Security number on my credit report that was also included on the report is not my last 4. When I spoke to someone at the company last year they said they would take care of this I even told them the last 4 of the social was inaccurate/ not my final 4.
To : Consumer Financial Protection Bureau I am writing to bring to your attention an issue that I am having with a Debt collection company under the name of XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a letter where advised that XXXX XXXX XXXX XXXX asked them to collect from me the amount of {$160.00} because according XXXX XXXX XXXX XXXX records after I returned my XX/XX/XXXX leased vehicle by ending XX/XX/XXXX I got an outstanding balance. I first never received notification of a charge against me and this collection letter doesn't explain the reason why I owe them money. I immediately took steps to see what was going on and I decided to call XXXX XXXX XXXX XXXX and clarify this issue they couldn't explain me the reason why I am getting this charge about it and beside that they were rude over the phone and refusing to talk to me and telling me that I have not longer account with them and I had to be direct to the collection company this happened twice in two different time that I tried to resolve this issue with XXXX XXXX, and they kept re-directing me to the collection company. After feel so frustrated I decided to call the dealer XXXX XXXX where I returned my XX/XX/XXXX leased and spoke with same sale person who took my leased back and sold me a new XXXX leased and he checked my records and he said XXXX XXXX XXXX XXXX is charging me because I didn't return the 2nd Key from my XX/XX/XXXX Leased and I called again to XXXX XXXX XXXX and advised them that I still have the XX/XX/XXXX Leased key with me that I can return it and also I asked them how you can charge for something that I wasn't aware that I will get charge if I don't return also there is not where saying that I have a time frame to return the key and get charge for if it doesn't get returned. I am very concern at this time because they sound not be reasonable and careless if they make a negative mark on their customer credit records for something can be resolve in the right way. Once again I never get any disclosure that I had to returned the 2nd key in a time frame if not I will be charge for. This is incorrect and not acceptable. I really appreciate if someone can assist me in this matter. Thanks!
This number calls me repeatedly every day. They do not leave messages and I have not received anything in the mail from them. They are harrassing me. I XXXX the phone number they tell me to call back and apparently its from XXXX???? and the company is sunrise services.
In XXXX of XXXX I took out an installment loan with ACE Cash Express. I did not know the payments were not coming out of the account until I started getting treating calls from them. I believe I paid off this loan in XXXX of XXXX but can not find my letter of payment ( we moved ) I am now receiving treating emails on my cell phone and at my parents house where I have not lived in over 20 years. They are treating legal action over voicemail.
I paid my payment on time. Wells Fargo did not credit my payment to my account on time and than reported to the credit bureaus I was late on my payment. I have never been 30 days late on any payment to Wells Fargo.
XX/XX/XXXX i got sick and spend a few days out of work two weeks after i was told that i needed to have surgery i spend two months at home after the surgery and receiving a short term XXXX check which was less that the haft of my check a wasn't able to make my payment on time. XX/XX/XXXX i was able to go back to work and started pay off my bill and getting all up to date and when i check my report i saw how much this ad affected my report.
on XXXX XXXX, 2016 i ordered a projector listed on ebay but payed the seller thru paypal directly cuz he was offering a lower price. item was sent n delivered but i never recieved the package.
The Home Depot Consumer Credit Card from Citi Cards / Citi Group Inc. Has been horribly misleading. Customer service has hung up on me several times. 

This company put a balance of {$130.00} on my card without approval or my consent. I bought nothing in this amount. I did not authorize the charge. I agreed to nothing that would allow for this type of unfounded charge to my account. 

It all started when I went to pay off my balance in full at the store. The in-store employee told me the amount and I paid it. A week later, I realized the employee had given me an amount that was {$130.00} more than my actual balance. 

I had to learn this on my own and pursue the company. They agreed to pay me back. Then these idiots paid me back twice. When they finally realized what they had done, they decided to just put this balance back onto my card with a high interest rate without notifying me. 

Is this even legal? They should have to make a request, or notify me that they made a mistake. Instead they just attached it to my account. I keep a XXXX  balance, I have no reason to look at the monthly statements. And so for months I had no idea what they had done. I thought I had a XXXX balance! Now I 'm paying interest!?! 

This should be criminal. If anyone else has had this problem, please call me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'd like to pursue a class action lawsuit.
EXPERIAN keeps reporting an inaccurate Bankruptcy on my credit report. When disputed the information, I kept getting AUTO GENERATED letters that information was verified with the furnisher thus it should stay on the record. When contacted furnisher- US bankruptcy court XXXX california-they confirmed in writing that they DO NOT REPORT OR VALIDATE any information to none of the bureaus ... VERIFICATION BY EXPERIAN WAS A LIE, AND UNTRUE STATEMENT ON THEIR BEHALF. 
Second, when completing a public records search for the case # reported it was proved that NO SUCH CASE NUMBER EXISTS. 
Both of the supporting documentations were provided to experian numerous times but I kept getting an AUTO RESPONSE letters one after another in identical format with different dates. When trying to call EXPERIAN, it was impossible to speak to a live representative after being on hold for 2.5 hours.
Last payment was XX/XX/XXXX. Complaint filed on or about XX/XX/XXXX with cfpb. Debt is about {$4100.00}. Called company on or about XX/XX/XXXX and told them to cease and desist all communication. Company continues to send collection letters. As you can see the debt is well outside the 7 year collection window.
I signed up for Citibank 's promotional offer to open a CitiGold bank account and was offered XXXX XXXX miles within 90 days of completing the requirement. I completed all the promotional requirements and Citibank is now refusing to honor the promotion.
Equifax 's systems were recently struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. As of XXXX XXXX, XXXX at XXXX, I am listed as a potential victim of Equifax 's cybersecurity incident according to Equifax 's equifaxsecurity2017.com website, and would like a resolution. Equifax has mishandled my information, which puts me and millions of other people at risk. 

Thank you, XXXX XXXX XXXX
On XXXX XXXX, 2016 I faxed a letter to TransUnion with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.
XXXX refused to honor my dispute. They continue to false bill me for services that I never had. I had conversations with the agents regarding a XXXX account. I tried to educate the collector that the account was never XXXX. I was told " If you paid your bill you would n't be in collections. '' Agent refused to accept a dispute over the phone. I was told the dispute was to be placed in writing only. After speaking with XXXX my equipment was received om XXXX/XXXX/2015. I should not be in collections. Instead of listening the agency became abusive.
State recovery system as a debt collector tryed to collect a debt. They 're reporting inaccurate information in my credit report. I was denied credit. They told me is my responsibility to have it removed from the credit, they have no responsibility to remove it, they have no violation of law.
I disputed my FCRA rights as my accounts are reporting inaccurately. I was sent yet another inaccurate false credit report by Transunion. I called in to get information on what and how things were verified and was told they could not give me the information but are reporting information. The XXXX XXXX account has a inaccurate and incomplete pay history. It does not go in chronological order nor does it match any to the details they have listed. If the account was closed XX/XX/XXXX how can it be a maximum delinquency and 120 days late XX/XX/XXXX? I spoke with a man named XXXX XXXX XX/XX/XXXX at TRANSUNION and he said he had no access to information. Which in not ethical. I would like all of these inaccurate accounts deleted because TRANSUNION is falsely reporting information. Also the name address and phone number to these creditor are not correct or updated. I spoke to these companies and NEITHER FROM ALL THREE COULD PROVIDE ME WITH DETAILED information on these accounts said they no longer have full account details. So how can they report this false information
I have responded several times to try and get Equifax to remove several inquiries that are not mine since last year and have yet to receive any response at all. I also asked to be removed from monthly credit monitoring and am not sure this has been done as of yet. 

I should have XXXX inquires on my credit report yet all these are listed XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX I wish to have them removed and stop billing me for monthly services. 

XXXX XXXX XXXX XXXX nc XXXX XXXX
I have been in a constant struggle with Bank of America for years now. 

In XX/XX/XXXX they began taking {$50.00} credit card payments from my savings account to pay off a credit card that I owed nothing to. My balance was at XXXX. 

In XX/XX/XXXX I finally noticed them draining my account and went into a branch who told me they could send me " {$200.00} '' checks in the mail to pay me back for my debit. 

I turned off payments in XX/XX/XXXX and never turned them back on. 
I also never received the full balance they owed me in checks. 

Some months later, BofA turned the payments back on without my consent and began charging my card {$50.00} every month again although I still did not owe anything. 

In XX/XX/XXXX, I noticed they had turned payments back on and I shut the payments off. They told me they were going to launch an investigation into how much they owed me and it would take 3 months. In XX/XX/XXXX I received a check for only {$200.00} ( far less than what they owed me ) and they continued to charge my card. 

By now they had drained my savings so much that they were now charging me maintenance fees too. 

In XX/XX/XXXX, I noticed they had turned my payments back on AGAIN without my consent and were charging me AGAIN. I went online to shut them off and my online account said I did not have any payments to shut off therefor could not shut them off. The representative saw what I saw as well and notified tech - she launched another investigation internally with BofA to see what was going on. 

She tried to calculate up how much BofA had calculated they owed me over the course of 6 years and their total was {$800.00} - far less than what they actually owed me. 

it is now XX/XX/XXXX and no one has turned off my {$50.00} payments and I still am not able to turn them off on my own. I have been sent {$800.00} and am owed far more. I am currently documenting all details and exactly how much I am owed. Should be an estimated {$2400.00} ( 6 years minus the small payments they have made to me ). + they owe me for the maintenance fees that their systems caused and the time I have gone without my money in my account AND the time I have wasted trying to sort this out. 

If they are doing this to me - they are doing this to other people as well.
I opened a Secured Credit Card with Wells Fargo in XXXX 2014 with an initial collateral deposit of {$300.00}. I was told, upon review of my positive account history, my account was eligible for graduation to an unsecured card. I used the card for a year, made my payments on time, if not paying in full, never went over my limit, and kept careful watch over the card. I called Wells Fargo and requested a {$100.00} increase to my credit limit, which required another {$100.00} collateral deposit. I used this limit for a while. 
Last year, I called and asked a banker what was keeping my account from graduating into unsecured, and if it is not eligible for graduation I would like to cancel my card. She informed me to " hang tight '' and do not close it yet as I was " very close '' to graduation. She specifically told me that I should be graduated within the " next two months. '' Here I am a year later, still on the secured card from Wells Fargo. They now tell me that there is no way that they can tell when the accounts will graduate, and that I was severely misinformed by the banker who said I would graduate. 
When I first got the card, my credit score had a few blips on it, all of which were taken care of in the first year of having my card. Since then, I have been able to increase my credit score to XXXX with no collections or late payments on my account. They are now telling me that my credit score is something they take into account, and that may be a reason why they are not graduating me. 
I feel that it is unethical, and possibly illegal, to promise me a credit card will be unsecured " in two months, '' if that is not the case. Now, the phone bankers are eager to try to pull a credit report and get themselves a " referral credit '' in trying to open me up a brand new account. I keep refusing this, as I am not wishing to have a hit on my credit report for their referral credit.
I applied for home retention assistance on XX/XX/XXXX. I thought things were going fairly well. They asked my for a divorce decree on XX/XX/XXXX even though I've never been divorced which was bizarre but after talking to them I understood their confusion and that was the only snag, or so I thought. 

On XX/XX/XXXX I was told that my file was denied because my income is only {$2900.00}. This is not an accurate portrait of my financial situation. My wife, who is not yet on the loan until this modification goes through, is also contributing. We listed her as a contributor on the application but Wells Fargo is stating they do not allow the use of contributors. 

According to Wells Fargo, my own wife, to whom I have bound my soul to for all eternity, is not able to claim that she is using her income to help maintain our household and keep our home for ourselves and our posterity. Having read XXXX XXXX 's guidelines, I see nothing that specifically excludes using my wife as a contributor. Her income does not simply vanish into thin air, it goes toward maintain our livelihood as a family and should of course be considered when evaluating us for a modification review.
I had filed a complaint back in XX/XX/2017. A response was received, but Forster & Garbus did not hold up to their deal. I had asked for written documents to the agreement of a {$13000.00} settlement. No communication was made. Months later my account was sent to XXXX Sherrif for collection without my being notified. My wages were garnished again without notification. I had reached out to Forster & Garbus by phone and e-mail demanding documents to support this as well as the agreement, and have  had no follow-up. 

I am looking to settle with {$11000.00} paid over 3 years which is taking into account the garnishment payments.
There are XXXX Inquiries on my Equifax Credit File ( XXXX, XXXX, XXXX, XXXX and XXXX ) that I did not apply for and when I contacted them about it they ignored me. This has been going on since late XXXX. 
Also they were suppose to delete a fraudulent collection from XXXX and XXXX that they refuse to delete as well as provide me with any information on. I contacted the creditors for these XXXX inquiries as well as XXXX and XXXX and received no response. It has been more than XXXX days on both the inquiry removal request and the false collection removal request, I sent Equifax the proof of both disputes and nothing was done. I will be contacting the GA Attorney General and filing a lawsuit against Equifax if this matter is resolved immediately!!!
SPS shows as foreclose started, however this process was finalized as a sale on XX/XX/2014
Collection Services has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Collection Services provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Collection Services has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies. Collection Services also is failing to adhere to the Arkansas Medical Bill Statue of limitations ( A.C.A. 16-56-106 ).
Theres inaccuracies in my XXXX report showing a collection for {$100.00} from XXXX XXXX opened on XX/XX/XXXX. Another inaccuracy is on my XXXX report from XXXX   XXXX for {$500.00} opened on XX/XX/XXXX. I pay all my bills. These are not my collections/accounts.
Bank of America allowed for everything to overdraft on my account expect for one item. Which got charged another NSF. When I asked them why they did n't approve this transaction that was processed first and was the smallest amount. Their answer was pretty much " we did n't want to "
FedLoan is not changing my repayment option from Standard to REPAYE. I am unable to afford the monthly Standard loan. This is causing me to be deliquent on my loans
Jefferson Capital Systems continues to send me letters to collect a debt for XXXX XXXX that I have already settled. I have sent several letters to Jefferson Capital Systems and have not received a response.
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/2018 on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.