WillisBack/dataset-financial-user-claim huggingface dataset:
I have been disputing 3 accounts on my experian report that should not be on my report. XXXX account XXXX, this account is originally known as XXXX XXXX/XXXX XXXX which was removed and paid in the amount of XXXX this account was sent to XXXX which is not lingering on my report which should be deleted as per incorrect information i even tried speaking to several employees at experian and they were no help. Second account is university XXXX  XXXX XXXX balance of XXXX should not be on my credit report as this is incorrect. XXXX XXXX XXXX is the only one that should be on my credit report i have disluted this account over 60 days and experian does not remove it giving me a hard time. The third account is XXXX XXXX XXXX XXXX this account was paid in full and should be deleted off my experian credit report as this is inaccurate.
I was studying abroad in XXXX. During my time I was at a club XXXX night and my debit card was stolen out of my wallet and was charged about {$1500.00} XXXX dollars. I filed a claim to Chase right when this happened. They initially refunded me the money that was stolen from me and XXXX weeks later they claimed the transaction was correct. I have tried multiple times to work with them. I followed all requirement s to submit the claim and they continue to tell me it was correct. They state I had signed for it and I had them mail me the receipts of my signature and the signature is not mine. I even went into Chase and provided them with my signature, my passport signature and license signature to show them the signature does not match. They continue to tell me the charge is correct when it was not. I called numerous times and sent them numerous letters to handle this and they continue to tell me the charge was authorized by me when it was n't. I have provided photos of emails I sent them, the police report I filed and the letter I wrote to Chase.
Bank of America is reporting my equity line under Derogatory Items due to the way they report to the credit bureaus. I have never been late ever. This is adversely affecting my credit score and I am unable to refinance my other properties. The value of the property dropped, and they put this on my credit report. Its not my fault it dropped. Why is this on my credit report????
On XXXX/XXXX/XXXX I was told by a friend who received a call that a XXXX XXXX was trying to reach me in regards to a complaint. I contacted her XX/XX/XXXX and was told there was a balance of {$890.00} with a company I got a loan from. During the call XXXX mentioned a possible settlement of XXXX and said I could do 2 payments. I told her that was too much for me. I also had a recent payment arrangement for the same loan company that resulted in a payment being taken out of my account on the wrong day which resulted me removing the payments. This was back in XX/XX/XXXX since then my hours have been cut down and I am only paid semi monthly but was looking to pay this off in XX/XX/XXXX. This was unacceptable for her and XXXX also kept threatening the loan company taking me to court. I asked of a payment arrangement {$10.00} a month for now that I could mail in which she said they can not do and refused to give me an address to send the payments to. XXXX said with the balance and court fees it would amount to about {$1300.00} or more also. She kept saying they would take me to court and garnish me.Then when I asked for the address again she transferred me to a supervisor XXXX XXXX who also did n't give the mini miranda and refused what I had to offer as a payment. He also said the arrangement was only done over the phone with debit or bank information. I was never told what the company name was either so when I asked, he gave me another name other than what I had researched which was " XXXX XXXX XXXX ''. I asked if this was also XXXX XXXX he said yes. XXXX also said the over the phone payment was because the original loan was done online which it was not. I went into the store to get the loan. I told him I never received any mail about them having the debt. He begin arguing with me resulting in saying he will let the client know that I refuse to pay and hung on me. I tried several attempts to call back and was either hung up on or they just did n't answer. I am concerned if this is a scam or not as I know companies have ways to access our debt and seek money by phone. I am also concerned because although I am willing to resolve the issue now the company is not working with me on such last minute notice and threatening to take me to court and garnish me. The original loan balance as of XX/XX/XXXX is {$200.00} with XXXX XXXX XXXX.
My social security number has been stolen and transfered into XXXX and XXXX, its being used alongside international telephone and area codes numbers, and international internet language translation vin numbers. We were coworkers at XXXX XXXX XXXX, location XXXX. Their names are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Navient is telling me that I need to pay the full monthly amount and has not offered me anything to lower the monthly bill which is far out of the realm of affordability. I asked if I could speak with someone about programs so she connected me to another service rep who told me that I would not be able to look into a program until the same day that my monthly payment is set to go up. Then she gave me a date in which my payments would go up which did n't match the date given on my paper bill I had in my hand. they will not allow me to make any changes until the date that it 's supposedly do but by then, according to the paper, it will be two months of insanely high payments that I ca n't afford. So basically I was offered no sort of help. I then asked to transfer the payments to my own bank card rather than my cosigners account and was told that I could not do that either. Should n't there be an income-based repayment option offered? For years I was talked into forbearances without ever being told I can do an income-based payment. I 've been paying for almost 10 years and my loan is almost {$13000.00} more than what it started out as. This is so wrong. Never mind the fact that I signed these loans as an XXXX-year-old kid not having a clue what the real world was like. at that point I did n't realize money did n't grow on trees, and I did n't realize these huge amounts of numbers were going to give me financial ruin for the rest of my life.
Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.
They have called my work phone and have left messages on my VM when I had contacted them and advised them several times not to call my work place. The last call was  XX/XX/XXXX - called my work extension and left a message telling me they will come to my work place it home w papers. They call in via a blocked number but I am able to retrieve number. I called and advised them again on  XX/XX/XXXX , however, they refused to confirm they called and denied it telling me someone else has my file and refused to provide that information on who has my file.
Re : Bluebird account ending in XXXX I had an American Express Bluebird account to provide my minor child with a debit card she could use in case of emergencies. 

In XXXX of this year, my regular bank account experienced fraud and a payment to Bluebird was returned. Bluebird immediately closed my account. I really didnt mind because the account was only to fund my daughters card, but I am having the worst time getting the small balances refunded. The Bluebird phone representatives are poorly trained and everyone states something different.

The most recent person I spoke with ( XXXX, Employee # XXXX ) stated that I had to write American express to receive the refund for my daughters sub-account ( XXXX XXXX ). This is after I was already able to receive a refund for my account by making a phone call. After making several unfruitful calls to American Express for less than {$30.00}, it seemed time to escalate this. 

In addition, I received a check from American Express for {$4.00}. However, when I deposited it, it was dishonored by American Express, incurring a {$5.00} fee for a returned deposit. 

All I want to is recoup the XXXX + {$5.00}, plus the approximately {$25.00} in my daughter 's account and be done with American Express. Geez.
What is this complaint about? I purchased a used vehicle with XXXX XXXX dealer in XXXX XXXX MO in XX/XX/XXXX 
I have requested a copy of my paperwork since they are no longer in business. I am given the run around from former dealership, and lender XXXX XXXX XXXX. They denied me my requested " Presentment of proof '' purchase concerning my wet ink signed promissarory note as ofXX/XX/XXXX. 

The problem I am experiencing with the lender XXXX is they denied me a to refinance my vehicle acting as a DEBT COLLECTOR calling my number even when I asked the Collection Agency as XXXX to stop calling. I asked for a deferment do to not working. I was refused and denied then received letters in the mail of someone attempting to do a refinance on my vehicle via XXXX. 

What happened? I am being denied request asking for my original promissory note with XXXX who is the lender to my vehicle. I suspect fraud have taken place with my purchase as a CONSUMER. 

The company as my lender denied me information pertaining to my original wet ink signature promissory contract and I was refused products only to be harrsssed by XXXX COLLECTION AGENCY as a lending institution company. They initiated a banking refinance transaction accessing my SSN and signature unauthorized to change terms in my purchase contract as the CONSUMER. 

The people involved are the CREDIT COLLECTION AGENTS working for the banking lender/lien holder XXXX XXXX XXXX XXXX BB & T Bank. 

My personal information and SSN as a CONSUMER have been unlawfully breached. It 's unfair and unequal practices that have caused me to be XXXX trying to avoid being deceived and ripped off by XXXX unfair banking practices. 

I clearly requested in writing to XXXX and found out about BB & T bank. I clearly requested to state the amount, interest rate and repayment terms of the loan, the date the original note was signed, and the proper legal names of all parties involved. Was only sent via USPS mail of transaction history of questionable payments made. 

In closing, my security data SSN and personal information was BREACHED a second time and verified by XXXX 

XXXX : XXXX I was denied after contacting XXXX to request the original signed promissory note with my wet ink signature, as well as a total account history ( payments, fees, transfers etc ) so I could see what the heck was actually owed and to who.
Today, XXXX XXXX has called me 3 times, From number XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
On XX/XX/2018, my employer sent a direct deposit of XXXX to my PayPal account for deposit on XX/XX/2018, and it has been held by PayPal since. Every time I speak to them on the phone, I am told that it will deposit the next day, however, it doesn't. 

What they have done is illegal and I new my money released immediately.
This company - XXXX XXXX - has repeatedly called me from phone # XXXX, despite my telling them that my employer has a policy prohibiting personal calls. In addition, they not only call my direct line, but they press 0 to get transferred to the operator, then ask to be transferred back to me. The operator will always ask who is calling, so the name of their company is disclosed. They also never leave a message on my voice mail, requesting to be called back, they simply repeatedly call and call. <P/>I have also visited their website and submitted two separate DO NOT CALL forms, asking them to stop calling me, with no success. <P/>Called me at work : X/XX/17 @ XXXX XXXX & XXXX XXXX -- at XXXX I asked them not to contact me at work X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX - asked them to no longer contact me at all X/X/17 @ XXXX XXXX
I put money on RushCard, my entire paycheck, and a few days later my card was declined at the store. I knew I had the funds so I called them to find out what the issue was. The money was there but without my permission or knowledge, RushCard blocked my card. This is something they claim ca n't be undone. I had to wait to be sent a new card and in the meantime, no money. Nothing. I get XXXX cards delivered and they ca n't activate either after being assured by a supervisor that activation would n't be an issue. Time it takes to notify corporate to manually activate a card? A few BUSINESS days ( the exact number dends on whow i talk to ). While I wait, my card remains blocked. While they try to figure out THEIR issue, they still refuse to unblock my card. They have the most non-caring, ignorant cust srv reps that I have ever encountered in my life who ca n't half speak or understand XXXX. They apologize, that 's it. That. Is. It. Escalated issues are not handled there but at corporate office and you ca n't find a phone number or address or get it from the cust srv. They give you an email address, not to corporate, it goes back to them. It is scary that people that essentially steal money are allowed to do business in this country. As of today, I still do not have access to my own money. When I call, I continue to get the run around and the number of different updates I 'm given on my account depends on the number of representatives I talk to. I need my money for groceries, bills, gas and no one should have the right to put me in a position where I ca n't pay my bills and access the money I worked for. RushCard caused this situation, as well as others and as usual they are n't doing a thing to rectify it and THOUSANDS of others will and have experienced thsee same issues.
On XXXX XXXX, 2017, I sent a letter to XXXX XXXX XXXX ( see attached ). I requested that their office provide me with competent evidence that I had any legal obligation to pay them. Specifically, I requested that they provide me with a summary of all account activities, including all payments made, late charges, interest, date of payments received, copies of charge slips, invoices, promissory notes and other documents proving indebtness, copies of all documents sent to me regarding this account and copies of any papers that show I agreed to pay what they say I owe bearing my original signature. To no avail. I received a letter from them dated XXXX.17 ; however, it is nothing more than a mere statement their office has generated with no further explanation nor itemization of what is allegedly owed. 

It is obvious their records to provide verification of this debt is non-existent and they are therefore in direct violation of my consumer rights. This blanket balance has no supporting justification and therefore should not be reflected on any of my credit reports.
This is the second time XXXX XXXX XXXX has try to suit me without providing proper documentation why midland is sending me to court.
I was shocked when I receive my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX. 
30 days late as the XX/XX/XXXX. 
30 days late as of XX/XX/XXXX. 

I am not sure how this happened I believe that I had made a payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
XXXX 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with American Express and XXXX. While no accounts were established the application left fraudulent inquiries on her credit reports from both American Express and XXXX. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.
This is a formal complaint against you, TransUnion due to your failure to comply with the FCRA laws and refusal to delete unverified and inaccurate information being reported on my credit report. Under the Fair Credit Reporting Act of 1970 ( FCRA ), all consumer reporting agencies must ensure that they establish and follow reasonable procedures to assure maximum possible accuracy. Furnishers can not report information if they [ know ] or have reasonable cause to believe that the information is inaccurate. Moreover, CRAs must conduct a reasonable reinvestigation when a consumer files a complaint about errors, and the CRAs must remove incorrect information from a consumers report within a limited period of time. Clearly, you are relying on the furnishers to conduct the investigations and determine whether an error has occurred and/or taking the word of the furnisher in handling these complaints/disputes. I am writing to dispute the accounts referenced below. I have disputed these accounts information as inaccurate with you and requested validation several times by mail and phone, and you have come back to me, stating that you were able to verify the debts but still have yet to provide any validation for these reported trade-lines. How is this possible? Under the laws of the FDCPA, I have contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. 

The listed trade-line ( XXXX XXXX BANK -Account # XXXX ) is not mine, I have NO knowledge of this account and as such represents a very serious error in your reporting. Please be advised that I am not requesting verification, that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade-line. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information. Please know that you have 30 days to either answer these demands or to remove the associated negative trade-line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge XXXX or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

XXXX XXXX BANK -Account # XXXX This account is not mine and I have no knowledge of this debt. Therefore, it should be REMOVED/DELETED!!! 

***DELETE THIS TRADE-LINE FROM MY CREDIT REPORT/FILE****
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted Trans Union. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help.

TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
3-4 weeks ago I received a call from Sequium Asset Solutions regarding bill with XXXX. I still had equipment and owed small balance. I informed them the equipment was returned and they were threatening to put on credit report. I stated that I was going back to XXXX to address it. 

This company didn't send any correspondence or notify me by mail regarding the debt. I paid what I owed on XX/XX/19 and Sequium placed item on credit report XX/XX/19. According to FDCPA, collection agencies are required to provide notification by mail, five days after initial contact. 

As of yesterday, my credit report updated showing it as a " paid collection ''. How is it a paid collection when it was paid directly with XXXX, not them?
I am a victim of Identity theft on or about XX/XX/2016 the above mentioned company did a fraudulent hard inquire to my credit report on Equifax. After learning about this unauthorized fraudulent transaction I placed a warning and then a freeze to my credit file. I contacted speedy cash on two times in which they refuse to remove this hard inquire to my credit report thus impacting my credit rating. I have also asked for all the information that is attached to this fraudulent account in which they also refused. This refusal is a direct violation of my civil rights under the Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) section 609 sub-section ( e ) in which it states Who must comply with Section 609 ( e ) of the FCRA? 
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another person 's identification. For example, if your business opened a cell phone account in the victim 's name or extended credit to someone misusing the victim 's identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victim 's behalf. 

Q. What documents must my business provide? 
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief. 
They will not comply with Federal Laws and Refuse to remove this Hard inquire from my credit report. I had a total of XXXX hard inquiries to my report and I had removed 27 of them without any problems.