WillisBack/dataset-financial-user-claim huggingface dataset:
I have mailed letters, called in multiple times to dispute a collections account that is listing false information in my name. The company is XXXX XXXX XXXX. I have mailed 3 letters to this company since XXXX of 2017 requesting proof this account belongs to me and have yet to hear back from this company. XXXX has not sent me any proof by mail or by phone why this account is still showing on my credit report other than it is validated by my name. That 's it. This account should n't be on my credit simply because I never received anything in the mail stating I owe this money or that I even had a collection account. I need this invalid account taken off of my credit immediately. XXXX is not even contacting my by my address to even show me proof this account is valid with my signature and that it actually belongs to me.
There are incorrect names, address and SSN on my credit report. 

Names : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX
My son, XXXX XXXX and his girlfriend XXXX, ordered a dog on XXXX for {$270.00} on XXXX XXXX. The seller on XXXX XXXX " XXXX '', email address XXXXXXXXXXXX, phone number XXXX XXXX XXXX XXXX. The western union transaction was sent to XXXX XXXX from XXXX XXXXXXXX # XXXX. The seller told him to western union the money and he will receive the dog the next day on XXXX XXXX, 2016. After sending the money, my son got a call from someone ( XXXX ) requesting additional fees of about {$800.00} stating that the dog was stuck in MN and they needed the money to purchase a special crate for the dog. My son called me frantic. I called the seller and began questioning me as to who I am, then hung the phone up. I called Western Union and began filling out a Fraud claim but was told by WEstern Union to call back in 15 days. Today, I disputed the charges with my bank. 

I am not certain that anything will ever come out of this and my son has lost his hard earned {$270.00}. Not knowing what to do, I have decided to contact you for assistance. Any help you can provide would be greatly appreciated. 

thank you. 

XXXX XXXX XXXX email : XXXXXXXXXXXX
While monitoring my account of XXXX XXXX, I witnessed TransUnion Reinserted previously deleted information to my TransUnion report less that two weeks after receiving it. TransUnion deleted Hard Credit Inquiries on XXXX XXXX from my Credit, then for no apparant reason added them back to my credit report two weeks later. My husband had the same problem happen to him. This has caused a serious amount of stress to my husband and I who have been desperately trying to buy a house for the past 6 months. If it is true that the Credit Reporting agencies can not remove Credit Inquiries from your Credit Report within recieving notification from a creditor, I would like to know understand the likelihood of all XXXX creditors deleted the inquiries on the same day, then all XXXX creditors re-added the inquiry on the same day. My husband works in XXXX. We have the screenshots to prove it, the proof is also on our credit reports. This is not fair. They are messing with peoples lives because most people are not as observant. If it was n't bad enough that we had to fix a combined XXXX errors on our credit reports, this setback is heartbreaking.
experian, XXXX  and XXXX  has XXXX my credit up again Account NameXXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX was removed 4 years ago b/c of id theft now put back on sent the police report and ftc
Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to Experian Credit Report ; in the XXXX and XXXX Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the  card has not been paid since it was opened.
RISE which I know nothing of received a notice from me asking for verification of this debt that they claim that I owe with them. I want the original signatures and documents relating to this particular debt amount. They never responded to my request sent to them for verification .The letter was delivered to them XXXX/XXXX/16 to their front desk. 

1st violation is they did not respond to this. FDCPA violation 2nd violation they never notified me of this debt in the beginning before it hit my credit reports. FDCPA violation as well as FCRA violation 3rd violation they verified with the credit bureaus of this fraudulent account and this is a violation of the FDCPA and FCRA. 

I have the attached delivery sent to them asking for verification and the response from the credit bureau stating that they contacted RISE and they verified the debt but they refuse to verify it with me. I will resort to legal grounds and take it further if I have to. I want this account deleted from my credit reports.
I opened up a XXXX " Outdoor Rewards '' Master Card. I did not get a " XXXX '' statement. The XXXX statement I received said that I missed the XXXX payment and I was being assessed a {$25.00} late fee plus {$7.00} in interest. I called the customer service number and " XXXX '' said that she could not help me and take the late fee off due to my accnt. being delinquent. So, according to them, it is my fault that I did not make the XXXX payment ( even though there is no way I could have not having received a first statement ).
On XXXX XXXX at XXXX CST time, A representative by the name of XXXX Id # XXXX from Hunter Warfield called me about a debt I owed. First all she asked was if I was the customer and without verifying other information such as my address to make sure she was speaking to the correct party she directly disclosed my debt information. After asking me if I will be able to pay the debt all I said was thank you for calling and the representative stated '' I did n't ask you to thank me I am asking when will you pay this debt '' then she begins to talk with an attitude stating that If I was a mature person I would pay the debt back and then she asks me " how old I was '' and that 's when I asked for the manager but the manager did n't do much the resolve the issue.
XXXX XXXX/Walmart has committed multiple violations on my Credit report it is not 100 % accurate therefore should be removed from my credit report. 

On each of the bureaus the high credit and credit limit is different from each other they also have different account number XXXX account number is different from XXXX and XXXX  The Date of this account being opened is also different on each bureau Also the addresses giving to contact the creditor dont match up one shows XXXX Ga while the other two bureaus show XXXX Florida I also have sent and disputed this account multiple times and on XXXX  and XXXX  I see that the last reported date is still XX/XX/2015 which leaves me to believe they have refuse my request to investigate this account. 

These are serious violations and this TradeLine must be deleted from my credit report I will be sending a screenshot of my credit report showing these violations On each bureau I will also send a copy of this complaint and send my credit report over to the FTC and my attorney to review.
Midland Funding LLC is still sending in to the credit report  XXXX  times this last year. We already have paid them off as of the first part of   XXXX  . But they keep putting that we owe  XXXX . We have paid them off.
On XXXX XXXX I received a letter in the mail from ECSI informing me that my account was 15 days past due and that they would report delinquency if the payment was not received in the next 15 days. Until I received this mailed notification I had no previous notice that my deferment period was over. ECSI took a financial predatory approach by notifying me only AFTER the payment was due that I owed them money, which allowed them to collect a late fee. I received no information from ECSI beforehand so that I could budget for this monthly cost and set up an automatic payment. It is also disconcerting that they are using snail mail, an outdated approach in 2016, as their main form of communication. 

This negative experience strongly contrasts with the one I 've had with my federal student loan servicer, XXXX XXXX. They notified me 6 months prior to my first payment, which allowed me to set up an account on their website, a direct monthly payment, and establish an appropriate personal budget.
TRIDENT ASSET MANAGEMENT is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
I received a letter from Innovis Consumer Assistance stating that they received a report in the last 12 months that has added negative information to my file or that contains 8 or more credit inquiries. 

I have n't had any new credit checks and I monitor my credit score regularly. Their letter also states I can obtain a copy of my consumer file. I do n't want to give this unknown, seemingly untrustworthy agency my private information based on a false claim about my credit report. I believe they are phishing and so do a ton of other people who have received similar letters.
Trans union, XXXX, and XXXX keep reporting XXXX  on Credit, XXXX  XXXX XXXX XXXX and XXXX XXXX  as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.
I received 3 calls to my cell phone on XXXX/XXXX/2016 and 2 more today XXXX/XXXX/2016 from Pioneer Credit. There have also been calls to my sister 's cell phone, my parents ' home and other calls to cousins, aunts, in-laws, etc. I am not the holder of this debt, but Pioneer Credit continues to call in an attempt to find the debt holder. I told the caller to stop harassing my family. Hopefully it will stop as the FDCPA only allows them one communication per person ( which they have already exceeded to many of the above mentioned persons ) and they must stop if told to.
TD Bank has a {$3.00} fee for using an ATM that is not owned by TD bank. They also charge a {$3.00} fee for balance inquiries on non-TD ATMs. 

On XX/XX/XXXX, I used a non-TD ATM, understanding that I would pay a {$3.00} fee. However, TD Bank charged me both a {$3.00} fee for a withdrawal and a {$3.00} fee for a balance inquiry despite the fact that this was a single transaction. 

I sent a message through their online banking website and received an answer indicating that they had not read my complaint. On XX/XX/XXXX I called the customer service line and gave up after a 20 minute hold time.
I requested verification of XXXX debts XXXX XXXX and XXXX ) held by Ad Astra Recovery via certified mail upon learning that they had entered into collection status. i received no notice of the collection activity from Ad Astra ; I only received a letter offering me a payment plan option. Upon receipt of this letter, I checked my credit report and requested verification of both debts. To date I have received no verification and the debts continue to show on my credit report.
Outstanding debt with XXXX for articles for incorporation. I had an outstanding debt XXXX XXXX Ref # : XXXX  Balance : {$440.00} CW # : XXXX I had closed out the corporation as part of the XXXX XXXX legal incident of opening numerous accounts. I forgot to clear the issue with XXXX XXXX. They are working on closing out the corporation with the State of Texas.
I received a phone call yesterday from a debt collector : XXXX XXXX Caine & Weiner XXXX XXXX XXXX.
XXXX, TX XXXX  Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX I spoke with XXXX XXXX  and explained I needed more information from XXXX XXXX. After consulting with XXXX XXXX, they have me a 20 % discount on the debt and I payed Invoice # XXXX with a XXXX XXXX ending in XXXX for a total of {$350.00}. While on the phone with XXXX XXXX, we conferenced in XXXX XXXX, and the matter has been closed out.
I have received harassment email from XXXX XXXX. He was on the phone with XXXX XXXX. I have spoken with XXXX XXXX, and they have alerted him the matter is closed. This matter is closed and XXXX XXXX and CFPB should cease harassment.
I want delinquent payments taken off my payment record. On XX/XX/2015 I payed 3x the payment amount ( {$240.00} ), then the record says no payment was made until XX/XX/2015. I have since made 39 consecutive monthly payments of the requested amount, and I have paid one loan off in full. The company said they did not have a resolution to the problem. Due to the duration of consistent payments and the inactivity of the company to resolve the problem, I am filing a complaint here.
On XX/XX/2018 I went to the XXXX, CT ( XXXX ) branch of Key Bank where I was a customer for a number of years. I needed to close my accounts and was assisted by one of their tellers in this. She was able to successfully close my checking account and give me a check for the balance, but when she attempted to do the same with my savings account, which had a balance of about {$11000.00}, a " computer issue '' occurred. It was unclear what this issue was, only that she was " locked out '' of the system. She called Key Bank 's helpline for assistance and after an hour was unable to make any progress towards closing the account and cutting me the check. I needed to leave the branch due to a commitment but was assured that she would continue to work on the issue and call me that afternoon. I was not contacted and called the bank myself on XX/XX/2018 to ask what was happening. They informed me that the teller who assisted me in closing the accounts was no longer employed by Key Bank and that the manager was investigating what had happened to my funds. My account has been closed ( this is shown by my online banking app ) but I have received no funds. I have contacted the bank again and have been given no answers, no updates beyond " we are working on it. '' At this time I feel suspicious of what has happened, especially as the employee in question is no longer working there. I can not understand why I have not been given my money, as it has now been 3 weeks since closing.
WHAT HAPPENED. In XX/XX/2018 I submitted an FTC Identity Theft Report to Equifax, XXXX, and XXXX. In the Report, I stated that someone had used one of my former addresses to fraudulently obtain a credit card in my name. As a result, Equifax ( but not XXXX or XXXX ) removed all of my former addresses from my credit report. Equifax confirms that the FTC Report was the reason they removed all my former addresses. 

MY COMPLAINT. I want to be very clear about my complaint. My complaint is NOT that Equifax deleted all the addresses, rather than just the one that was fraudulently used. Rather, my complaint is that Equifax deleted ANY of my former addresses. That a correct former address was, or may have been, fraudulently used in the commission of an identity theft is no grounds whatsoever for removing that address from the customers credit report unless the customer specifically requests that it be removed. In my FTC report, I did not in any way request that any of my addresses be removed. 

WHY THIS IS IMPORTANT. The removal of my addresses poses a real problem for me. I am applying for a mortgage and therefore need to establish at least a two-year history of my residence. Because I have lived at my current address for only about five months, I need my credit reports to include my former addresses. 

HOW I TRIED TO RESOLVE THE PROBLEM. Equifax told me that the only way I can restore the former addresses is to have one of my current creditors report my former addresses to Equifax. That will not work in my case. I have only one current creditor. That creditor they told me that they do not normally report former addresses to the credit bureaus, and that it would be a violation of federal law for them to offer a service to one customer that is not offered to all. 

THE PROBLEM IS ONE OF EQUIFAX POLICY. The problem I encountered at Equifax is not a processing error. The Equifax fraud department told me that what happened here was the result of a general Equifax POLICY. According to that policy, whenever it is reported in an FTC Identity Theft Report, or in a police report, that a former address was used in the commission of an identity theft, Equifax removes that address from the customers record at Equifax.
XXXX XXXX has placed a report on my XXXX bureau files claiming to be the assignee of my former landlord " XXXX '' located in XXXX, AZ. they claim I owe rent from when I move during XXXX 2011. They have never produced a document claiming to be the assignee and have advised me over the phone they have no intention of suing me for they know they can not prevail. Despite this the bureaus continue to report this on my credit.
I received a letter dated XXXX XXXX, 2015 from BB & T bank informing me that my " hazard insurance '' has expired and that BB & T plans to buy insurance on my property which I will be required to pay for. My property is, has been, and will be covered by a Homeowners policy which names the BB & T mortgage as being covered. This policy is paid by an automatic draft on my BB & T checking account and is and has been up-to-date. I contacted BB & T on XXXX XX/XX/2015 to inform them of their error and give them complete details of my insurance coverage of my mortgage ; and a follow up on XX/XX/XXXX2015. I have yet to hear anything from anyone at BB & T.
I had taken a private loan in XX/XX/2007 from Navient who was Sallie Mae in the past. I was paying them about {$87.00} a month. This was what I was able to pay. They raised the payment a few months later to {$110.00}. Which was fine, then they asked me to pay more. I honestly gave up because this was all I can pay. Every month I saw my statement the amount was still the same. They called me to work something out with me after I stopped paying, I talked to them and they still had no options for me. It was I either pay the full amount or I continue to make payments. Not sure why they were calling me to work out something, if they had nothing. I had filed for bankruptcy this year and my private loans could not be forgiven, they still call me from different debt collectors, ask me to pay, they lowered it my loan to a lump sum which I don't have it, they called my relatives to ask about me. I don't know how to get rid of them anymore. I wish If someone can help me. Thank you.
Since XXXX I have been behind on my mortgage payments due to a reduction in pay with my current employer. I attempted to modify my loan earlier this year, but Fay Servicing denied me a modification and suggested that I proceed with a short sale. I hired a Realtor in XX/XX/XXXX as well as a short sale negotiator and that same day I received an offer on my property and began to work the short sale process. Throughout the process Fay Servicing was very uncooperative and consistently misplaced paperwork that my realtor and negotiator had to continue to submit. In late XXXX I received a letter that Fay intended to foreclose on my property. They never issued a denial of the short sale and they stopped taking calls or responding to repeated attempts by my realtor and short sale negotiator to obtain more information for me. On XX/XX/XXXX the locks were changed on my property while I was out of my home. I was never served with any eviction notice and I still have belongings in the property. On XX/XX/XXXX my realtor received a call from a man by the name of XXXX XXXX, who stated he was the REO manager who had changed the locks and that Fay servicing had never notified him that anyone was still living at the property. He was willing to make arrangements for me to get back inside the home to retrieve my belongings, but I still was never properly evicted and I feel that this is a violation of housing laws on the part of Fay Servicing.
Equifax never reported payment history from XX/XX/XXXX to XXXX XXXX. XXXX never reported XXXX XXXX through XXXX XXXX on my payment history, XXXX XXXX for XXXX XXXX reported from XX/XX/XXXX through XX/XX/XXXX but did not submit to XXXX nor Equifax in XX/XX/XXXX, gave me credit for only 2 years and the loan was extended for 3 1/2 years. They stated the loan was closed on XXXX/XXXX/XXXX on the sheet that I submitted. Due to the improper reporting, this has held my personal business up tremendously by preventing me from obtaining personal mortgage loans or obtaining loans to obtain equipment for my job and personal business. I am looking for this matter to be resolved as soon as possible. This matter has also cause very high interest rates on all of my personal credit cards and the process to apply for loans in general due to a low credit score. In my opinion this is definitely unfair and a form of injustice to me.
Hello my name is XXXX XXXX, I 'm working with XXXX XXXX XXXX ( XXXX ). I have or had a case # XXXX. My wife, XXXX, and myself have been working with Wells Fargo, they foreclosed on our home back in XXXX, while under modification. We won the right to resend, you will see this in the case # XXXX. I NEVER received a letter to when the payments where due, my lawyer however received paperwork to complete the title of the home, and such. I did however receive a letter stating we were under the process of getting the home back, the letter was dated XXXX/XXXX/16, the letter was mailed on XXXX/XXXX/16. On my original loan, my due date was the XXXX of each month becoming late on the XXXX. I had to call Wells Fargo, last week, XXXX/XXXX/16 in a fear of late payments. In which I made XXXX for XXXX, with XXXX XXXX. Then just Friday of last week XXXX/XXXX/16 I got a call from XXXX XXXX, @ XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, and was informed I was behind a payment for XXXX. When I spoke with XXXX, I was informed I should NOT be making payments because I would receive a new loan number, and that all my payments could end up in limbo. Again, I called Wells Fargo and this time spoke with a lady, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Ext. XXXX, who told me I should ASSUME my payments were due back in XXXX, with no letter stating anything was due.. I 'm being told so much different information I am again at a loss, and fear of losing my home. I need help, and I need so resolution to this matter. I have met every demand of Wells Fargo, with the help of XXXX XXXX. I have a wife who has become so ill over this matter, and XXXX young sons who deserve my time, and their home to be safe. Please contact me, XXXX XXXX ) XXXX XXXXXXXXXXXX, XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX. I am attaching the very last letter I received from Wells Fargo ... I 'm asking for help, my family is asking for help, in keeping our family home. This has been two years trying to find closure and peace. I will mail a copy of the last letter we received. 
Thank you XXXX XXXX
Placed a credit freeze on experian account to prevent credit card inquires and new accounts, but experian account is still accepting open new accounts and inquires without my approval. Called experian but they leave no option to talk to a representave about the issue..