WillisBack/dataset-financial-user-claim huggingface dataset:
hsbc card I do not have ... seems to be identity theft ... even maybe from a hospital ... they are continuing to drag down my credit score and add fraudulent activity ... please contact me at XXXX ... this is XXXX XXXX XXXX ... I want them caught and off my report.
I personally filed a police report regarding identity theft/fraud. 
I sent a letter and the police report number Case # XXXX, attached with my valid Id and a current copy of my credit report, along with FCRA 605B ruling. I sent this certified mail - XXXX - XXXX, XXXX XXXX, Transunion XXXX to all three credit agencies. 
I spent {$39.00} on certified mail, it has been over 30 days on ( XX/XX/18 ) and the accounts are still there. When i contact them they all state the accounts are valid. when clearly then can see it was related to fraud case. Refusing to suppress those accounts.? 

This is causing so much stress and frustration. plus i have lost a chance to secure a solid job. due to these delinquent account that are not related to me. in fact the only person behind this was my ex husband
I submitted a letter to the XXXX County XXXX in Michigan disputing a report of a tax lien that has been reported on my credit file. I requested validation of this debt and the clerks office sent back a letter stating they did not report this information to the credit bureau. I in turned sent a copy of the letter from XXXX to Transunion to have the tax lien removed. As of this date, nothing has been deleted. I advised Transunion of as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). Transunion communicated that this debt has been validated but did not show me how it was validated, they did not send a signature or anything.
I have provided proof from the creditor. Experian has no attempt by me mailing it to them 2 times nor uploading the documents on here. 
I have also file with the FTC and seeking legal advice to see how to file a law suit on Experian. 
Experian does nothing but play games and collect wrong information and can never back up or prove what 's on the report. Experian can not provide me nothing documented from the creditor. I need proof as I have from them to correct the issue or delete the account. 

I need proof showing a written off amount of {$410.00} as stated by Experian for XXXX 's I have also mailed for the 3 RD time from the creditor as {$0.00} owed
1. NAVIENT ( private student loans ) have called me on my personal landline ( XXXX ) XXXX-XXXX at least once a day starting XX/XX/XXXX. This is my personal phone number. There are no other names listed on this account. 
2. My daughter, XXXX XXXX, has an outstanding loan with Navient. My daughter has informed me that she has tried to address this delinquency since XX/XX/XXXX, but it has been hampered by Navient and her serious medical conditions ( which Navient has been provided evidence ). 
3. I asked my daughter on XX/XX/XXXX, why Navient was calling my telephone number and asked her to stop them from calling me. I find these calls intimidating and harassing, especially since I know for certain that Navient is aware that I have no additional information I can provide to them. 
4. On XX/XX/XXXX, a fax was sent to Navient ( which they acknowledge as received ) wherein my daughter confirmed once again to Navient that they were in possession of her correct telephone number ( as is evidenced by her voicemail message as well ) and street address. 
5. My daughter has a letter dated less than thirty days earlier where she contacted Navient and provided the same contact information. 
6. The FDCPA prohibits a debt collector from contacting anyone but the actual debtor UNLESS THEY DO NOT HAVE CORRECT CONTACT INFORMATION. I request your agency ask Navient to demonstrate why they do not believe they have the accurate contact information ... especially since my daughter has been in communication with them as best as she physically can. They will not be able to establish that criteria.
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX EQUIFAX - XXXX XXXX - XXXX
XXXX XXXX CLAIMS : Docket XXXX. 
In the year XXXX there was an eligibility error on the employer part the original debtor office was contacted by XXXX XXXX that claims are being reprocessed. No court date documents sent. I have been checking the website for any activity under notices. I received a failure to appear judgement which is totally incorrect NAIR & LEVIN returned date was XXXX/XXXX/XXXX, however they have been contacted by superiors at XXXX insurance that the claim was reprocessed. XXXX made the negotiable to the participating provider but then 5 years latter the money was recoupe due to an eligibility error. That error has now been corrected. Nair and Levin, ( XXXX, ct ) just jumped there guns when they were informed by XXXX once the archived information for XXXX claims recvd and eligibility updated the claims will be reprocess, and now they have sent me the entire bill which is incorrect saying I have a failure to appear when I recvd no such document. They took among themselves when the insurance company has been speaking with them. Docket XXXX. I have the XXXX when claims processed.
My complaint is the following ; I refinanced my VA Mortgage in XX/XX/XXXX with United Security Financial. XX/XX/XXXX I had to file Chapter XXXX Bankruptcy due to a divorce and placed on a 36 month payment plan. In XX/XX/XXXX United Security sent my VA Mortgage to XXXX to act as their servicing agent. United Security was notified of the bankruptcy through legal means and was given the opportunity to file with court for any monies owned to them. United Security filed for a single missed payment and received their funds through my appointed bankruptcy trustee. In or about XX/XX/XXXX I completed my court approved payment plan and the trustee notified all debtors to ensure no outstanding debt remained before releasing me and the court granting a discharge. In XX/XX/XXXX attorneys for United Security Financial filed Final Cure of Payment with the court and trustee certifying I was current on my mortgage payments. In XX/XX/XXXX I received my discharge from bankruptcy. XX/XX/XXXX I contacted XXXX and at first they would not speak to stating I was in bankruptcy so after several weeks and the assistance of my attorney I got them to take me out of bankruptcy status and talk to me. At that point XXXX proceeded to tell me I was four ( 4 ) months behind on my mortgage payments. I disputed this claim and tried numerous times to speak to someone that could help me resolve this issue. Each time I have called XXXX Customer Service I received a different story and they would never connect me with anybody that could or would help. On one of the calls the customer service rep told me they had spoken to me numerous times in reference to the delinquent payments ; I asked how is that possible when I was in bankruptcy and they were n't legally allow to speak to me ; she changed her story to they notified my attorney. I called my attorney which verified XXXX had never contacted him at any time. After several calls I got to a person that identified them self as a supervisor and further stated that I missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which I again disputed the claim and provided XXXX with 26 months of bank statements, payment history and the United Security attorney signed Final Cure of Payment supporting all payments had been paid and cleared the bank and they continue to fail to correct this issue giving a number of excuses as to why it has not been corrected. The months that they claim delinquent would have occurred prior to XXXX take over the loan servicing and United Security Attorney ( which is the actual mortgage holder ) certifying I was current on payments. I am concerned as to why United Security and XXXX would not notify the court and/or my attorney of a four ( 4 ) month delinquency, refuse to talk to me because I was in bankruptcy and wait until the bankruptcy was discharged and then send a Default Notice. United Security and XXXX is making false claims of delinquencies attempting to circumvent the US Bankruptcy Court and the protections afford to me through bankruptcy. I have also attempted to contact United Security Customer Service directly with no success.
Im not quite sure why my credit score went down XXXX points??? I have had no change except disputes on my report. This is crazy. I need someone to contact me regarding this system they follow regarding credit reporting. This system sucks and they are robbing people blind
On XX/XX/2016 I called XXXX UVerse to cancel XXXX at XXXX, XXXX, KS XXXX. I was given cancellation confirmation number XXXX and a final payment confirmation XXXX and paid a final payment of approximately {$55.00}. The service was cancelled on XX/XX/2016. On XX/XX/2016 I received a call from Diversified Consultants, a collection agency, stating that I owed an additional {$150.00}! Diversified Consultants also told me that the " bad debt '' would end up on my credit report if a payment was n't made that day. Worried and fearful of damage to my credit history ( which is perfect ), I made the payment for {$150.00} over the phone using my credit card. 

On the same day, after reviewing my notes ( and discovering that I had received confirmation numbers for my cancelation of service and final payment ), I called Diversified Consultants back and asked for a refund because I had previously paid XXXX XXXX XXXX the final amount. I was told the {$150.00} had already been sent XXXX & XXXX there was n't anything they can do to help me. I then contacted XXXX XXXX XXXX and at first they claimed the charge was for unreturned equipment and later claimed it was an early termination fee. After looking into both issues, theydetermined the equipment was returned and there was n't an early termination fee.Eventually they stated theycredited my account back {$99.00} but would not refund me the entire {$150.00}. I have now discovered that XXXX XXXX XXXX credited the CLOSED account {$99.00}, and XXXX XXXX XXXX is now claiming that the {$99.00} can not not be transferred to my active home account! 

XXXX XXXX XXXX and Diversified Consultants have violated the FDCPA and I am demanding the full {$150.00} back from XXXX XXXX XXXX. I did not ever owe XXXX XXXX XXXX or Diversified any funds and the XXXX should have not have called me and threatened to hurt my credit if I did not pay debt I did not owe. 

I demand a full refund via wire to my checking account, or a check issued in my name. 

Sincerely, XXXX XXXX
I have more than XXXX checking account at US Bank. XXXX account ( call it A ) was opened originally to exclusively receive social security payments for a minor child, but those payments had ended. To pay bills I use my personal checking account ( call it B ), for which I was running low on pre-printed checks. But I had a full box of checks pre-printed for A. XXXX took XXXX checks that were pre-printed with the account number for A, crossed out the account number, initialed the deletion, and wrote in the account number for B. XXXX used these checks to pay XXXX utility bills. The bank, however, treated the checks as being drawn on A and charged me fees for " insufficient funds, '' since there were only a few dollars left in the account. I want to contest the bank 's authority to interpret the checks in contradiction to their clearly expressed intent. I will probably be charged " returned check '' fees by the utility companies as well, causing me to be out-of pocket about {$100.00}.
I applied for a XXXX 's credit card online and was turned down in a letter to me dated XX/XX/2018 stating " Unable to verify identity information ''. I immediately call the XXXX phone number provided in the letter to rectify the problem. After speaking to a supervisor I was told the cell phone # given wasn't the one in my credit file. I explained that I no longer have that phone and use one that is under my employers business name. I was told they needed to send a text message to a phone registered in my name. 

At that point I told them I have a landline home phone registered in my name through the cable company. The supervisor claimed a message was sent to it, but didn't work. She asked if I had blocked the phone from getting them. To the best of knowledge cordless landline phones can't receive messages of that type. 

Next step was me asking if there were any other ways to identify me. The answer I received was no and that the application couldn't be further processed. I called the Executive Office at the XXXX 's I shop at to complain and was basically told the store had nothing to do with it. I was then transferred to a sales manager on duty who said she would try and help. Never got back to me! 

I then called the XXXX 's corporate office in XXXX, OH. Ended up with a rep. from the wrong dep. that transferred me to what he said is the right dept.. It too turned out to be wrong and when I was supposedly transferred to the correct one the call was disconnected. 

My contention is XXXX 's by not asking me to go into one of their location with a picture ID to identify me discriminated in offering credit. Also nowhere on the XXXX 's web site does it state in order to get a credit card there must be a cell phone in the applicants name.
I was given the WORST advice for my, then, XXXX loan! At the time I had just finished doing a 2 year XXXX. At the end of your XXXX you are awarded money to use for either going back to school or to repay student loans. One of the reasons I did my service was to then get this money to repay student loans and get myself back on track. I called XXXX for advice. I had $ XXXX in debit to pay off, my rewards money was $ XXXX. I was told by the XXXX representative to put my loan on deferment and use the money to pay the interest in the meantime as I figured my life out after XXXX. Let 's get something clear, I am an XXXX, it is not easy for me to deal with money or math, it is just not my bag. So when the institute representative advises, truly urges me, to go this route- I trusted him and XXXX . Naive, I now see. I place this all on automatic payment, not really looking at what is going on for a couple of years, again trusting my institute. XXXX then becomes Navient and I take a look at what was going on. Here 's the numbers- I had XXXX to pay in the beginning, with a XXXX award. After a couple of years of doing the XXXX ' way- I had $ XXXX to pay off and less than $ XXXX left in awards money. That 's right ... the SAME amount of money to pay off to Navient!!! I had just been paying them for no reason. I felt stupid and cheated and lied to. I had grown up a lot in the years between then and I felt so foolish for trusting a company I had no choice in dealing with. I was ashamed to tell my parents and my, now, husband. I should have paid the XXXX outright and figured out the taxes- today I would be debt free. I still owe over $ XXXX to this day as I slowly chip away.
this has been paid and settled and the original debtor agreed to have it removed but the collection agency wo n't remove it gragil is supposed to remove it but have n't yet
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.
Wells Fargo now has an overdraft policy where if your account drops below XXXX dollars, you have until the end of the same business day to deposit money to bring the account into thr positive without incurring overdraft fees. I received an email from Wells Fargo yesterday stating that my account had reaached XXXX dollars. I immediately transferred the balance ( plus {$6.00} ), from my joint account ( which is attached to that one ). Today I was notified that I had three overdraft charges because the funds hadnt posted yet. This seems like a manipulation of when specific transactions post, since there is no reason it should not have posted by now when the other transactions have. At {$35.00} each, the overdraft fees overdrafted my account again! I spoke with two customer service representatives at Wells Fargo- one who wasnt even aware of the grace period where you can deposit money into your account before the end of the business day. She offered me, at best, a courtesy of 50 % off of each overdraft fee, which she assured was the best they can do. I barely said I guess ... and then once she transferred me to a higher-up, he made it sound as though he could have had the fees reversed, but they were locked now because she put the 50 % courtesy on them. What courtesy is it to pay {$53.00} for overdrafts that I covered??? I thought Wells Fargo was sued over flaky overdraft tricks like this. Im a XXXX XXXX, and at certain times in the month my account balance is close to {$0.00}, but I am always cautious and transfer money into it immediately when I see its low. I believe Wells Fargo intentionally pushed through those three transactions before my deposits so that they could charge me three times. They should make this right and completely reverse the fees instead of pretending theyre doing me a courtesy by charging me for fake overdrafts.
My debt was first sent from XXXX XXXX XXXX phys to ability recovery services LLC and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto XXXX XXXX XXXX. XXXX reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.
Union Pacific Financial did an escrow analysis and they calculated my taxes about {$820.00} more per year. I have called them several times to get this issue resolved. Faxed the County auditor 's page that shows my property tax amount XXXX and finally after speaking with several people they are finally reviewing my request for an adjustment. My payment went from {$1000.00} to {$1500.00} because of their negligence to accurately review the amount for the escrow. There customer service representative are rude and do n't care about helping the client and getting the issue resolved. I have to call almost on a daily basis to make sure this issue is resolved and they calculate my monthly payment correctly.
On XXXX XXXX, 2015 our home went under contract to sell to a buyer that was never qualified to make the purchase. The buyers lender XXXX XXXX of Academy Mortgage knew this all along and continued to make excuses and give our Realtor XXXX XXXX bad information. After refusing to sign a third extension and demanding the buyer meet with a qualified lender we were notified the buyer could never close the transaction. After XXXX under contract the home has now been relisted. Now the buyers realtor and the lender XXXX XXXX are trying to date a denial letter in an effort to return the buyers earnest money to them. XXXX knew all along the buyer could not get financed and used delay tactics to stall us and keep the home under contract forcing us to continue to make double mortgage payments. XXXX XXXX lied about the status of the loan mutliple times, about the ability of buyer to buy, and shared confidential information about the buyer with a third party. My realtor has examples in email form.
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
I notice 2 inquiries from Equifax that I don't recognize, it was a total of 5 when I contacted Equifax but, 2 are still on the credit file. I did contact Equifax in XXXX of 2017. Equifax does not even have the contact information from the alleged inquirer, see attached screenshot.
I have repeatedly requested that Fair Collections & Outsourcing provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my American Honda finance motor vehicle and our. property service by XXXX XXXX XXXX I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.
I received a credit monitoring alert letting me know someone had opened a PayPal Credit account using my information ( name, SSN, and birth date ). When I called PayPal Credit, they would not release any information about the account because the phone number, physical address, and email address did not match, but they did close the account and open a fraud investigation. Nonetheless, I want to know why this credit line was approved when the phone number and address to did not match what is on my credit file. I think PayPal Credit 's risk policies/account origination procedures need to be re-evaluated. This seems like an egregious error to me.
A company called XXXX worked on raising capital for my XXXX ( XXXX ). They secured and authorized a {$56000.00} loan for my company through Loanme.com. Before the loan was funded to my corp bank account, XXXX withheld {$5000.00} from the loan and Loanme.com withheld an additional XXXX % totaling {$5600.00}. The loan I received was for {$45000.00} in XXXX 2015. What I know now, is that my monthly payment on this loan is XXXX a month for 10 years totaling {$520000.00} payback. That is over XXXX dollars on a loan I never initiated.
This complaint is filed against the US Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX and Customer Services Representative XXXX XXXX ( XXXX ) XXXX for transpassing my credit report file information obtaining a " hard '' credit inquire without my permission. 
On XXXX XXXX, 2015, I met XXXX XXXX XXXX at his bank branch located at XXXX XXXX XXXX, XXXX XXXX for banking issues. 
On XXXX XXXX, XXXX the US Bank sent me a letter Ref. XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX stating my application for credit is denied. I immediately, visited the bank branch location and requested to remove the HARD INQUIRE from XXXX because I NEVER applied for a " credit line ''. 
On XXXX XXXX, 2015 I mailed the same request via us regular mail, but as of Today, no RESPONSE was received by the US Bank.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My banking accounts have been garnished 4 times on an account that was closed on XX/XX/XXXX and has exceeded the statue of limitations for the state of Colorado. I have made no payments to this debt collection agency willingly and they persist to collect on this outdated account. I would be glad to set up an arrangement directly with BOA, but wish to have all communication and debt collecting to cease from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KY. XXXX. Ph # XXXX.