WillisBack/dataset-financial-user-claim huggingface dataset:
My goodness I have been through it with getting information on my Credit Report changed. XXXX, TRansunion and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on two occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.
TD Card, XXXX  continues to report old information on my credit report. It should have been deleted.
This week ( XXXX/XXXX/2017 ), Equifax disclosed a security breach in which 143 million US customers of the agency had their personal information taken. I checked on https : //www.equifaxsecurity2017.com and the site alerted me that my personal information may have been impacted by this incident. This amounts to improper use of my personal data by having it disclosed to 3rd parties without my consent ( even if Equifax is a victim in this case as well XXXX.
I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ).

It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
I experienced identity theft and notified XXXX XXXX, Macy 's, XXXX, Citi and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, Macy 's and Citi claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
XXXX is trying to get payment for things that were discharged By XXXX XXXX   almost a year ago and proof is enclosed. XXXX put these charges in collections. Please stop them from doing this. They were informed these aren't my charges
When I went to XXXX they told me I would not be charge anything else for my procedures they charge my insurance more than XXXX dollars and then I got this bill for the XXXX the I kept calling the office of the XXXX please for more than 2to 3 years every time I would get a bill and the women I charge of the billing would always tell me do n't worry Isabel it 's all handle we will take care of it i have gone back to that office this year and they told me that the women does not work there any more so I called the person in charge for the XXXX and she was the meanest and rudest women ever she told me that she did not care if what I had to say and that it was my problem to just pay the bill so I went back to brand sergical and told them of what had happen and they told me that yes she was bad and mean and difficult to deal with but that if I would get anything else done with them they would lay this off for me I have been trying to fix this for a long time please help me thank you
This company has continued to ignore my requests for verification and validation of this erroneous debt claim. I've never had an account nor have i ever opened an account with the city of XXXX. They refuse to provide an address of the alleged utilities and continue to harm my credit profile. The statutes of limitations in my state of Louisiana has expired for collection of this false debt, but this company continues to try to collect with threats and other illegal tactics.
Hello, My complaint is for the Pendleton Capital Management Inc. 

My first issue with this company was about two years ago. I originally had set up a payment plan and was intending to get the debt taken care of. I then had an emergency which caused me to not have enough to make my payment, I then reached out to the company to let them know that I was unable to make the payment as discussed. 

I spoke with a representative named XXXX XXXX extension XXXX. XXXX demeaned me, called me a bum, swore at me, told me I need to grow up and get my XXXX together. 

I chose to disconnect the call at this point and she proceeded to call my mother who was a reference on the initial loan, left her a message stating that she has been unable to get in touch with me. 

I was quite upset, my mother ended up calling back and speaking with XXXX supervisor. She then reached back out to me and apologized on XXXX behalf and said that they would delete my mothers information and that XXXX would be reprimanded. 

I then did not receive any more calls for about the last two years. Today I get a voicemail from a gentleman named XXXX XXXX, I returned his call to his extension and left a voicemail. I then called back to speak with someone who was there so that I could figure out what this was in reference to. XXXX XXXX answered the phone, of course I disconnected the call immediately. I then called back and smoke with another supervisor, to whom I explained the previous situation and requested that they do not contact me again. I told them that they are not allowed to harass me as it is in violation of the FDCPA and that I would be filing a claim against them.
I received a loan offer from Best Egg ... I was only interested due to the No origination fee offer ... I completed the application process and then noticed the disclosure of a XXXX charge for a origination fee..I called the XXXX service center in XXXX XXXX and was told..sorry we cant help you ... I then spoke to the supervisor on duty who offered no explanation. I feel that this is very deceptive.practice.
I am able to get a Credit Report from every Credit reporting Agency accept TransUnion. When I call it is as if I am speaking to two different agencies. One person says one thing and gives me a number to call. When I call that number I get different information. In XX/XX/XXXX ; I tried to view my credit reports via XXXX XXXX XXXX. I was able to view reports from XXXX as well as XXXX but not TransUnion. I phoned TransUnion to inquire about the problem. I spoke with three representatives. Two gave me false information about logging in to the website to view my credit report. The last rep told me he was unable to access my credit report but he asked me if I had a credit card and wanted to verify my E-mail address. He then told me everything that was on the credit report even though he said he could not access it. I emailed XXXX   XXXX XXXX to inquire if I could report TransUnion for possible Fraud. Two weeks later on separate days, I received two letters from TransUnion stating I needed to verify my personal information. The first letter was three pages long front and back. The second was one page front and back and looked as if it was a copy. Both had the same information but different file numbers to inquire about. I discovered in XXXX that I had been a victim of Identity Theft. I believe someone at or affiliated with TransUnion is responsible as well as a former employer. I was asked to call with this file number on the three page letter from TransUnion : XXXX mailed from XXXX Alabama Permit No. XXXX.The letter that appears to be a copy has the file number : XXXX US Postage Paid XXXX .
both credit bueros and creditor are claiming that they have not reported or see any remarks on file indicating AID, Which is now on a adverse account negatively against me. I have had fraudulent charges reacurring monthly dated back since XX/XX/XXXX.remarked added XX/XX/XXXX - XX/XX/XXXX and removed XX/XX/XXXX XXXX claims no such remark is showing on file but recent report from XXXX sent out XX/XX/XXXX from them is not accurate.
A vehicle was purchased through XXXX XXXX XXXX by another person with the same name as mine, it is not my account so I disputed with credit bureau. The account was removed after 3 months of back and forth. Now it is again showing up on my report, along with the other man address. Also some of his collections that had been removed are showing up again. I have been dealing with this issue for almost a year now. What rights do I have if XXXX  insists this is my account, which I know it is not because they removed it previously?
I recently viewed my credit report via Credit Karma as well as XXXX XXXX and noticed two credit cards that I did not apply for. The names of the credit card companies are XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. I contacted both companies several times to let them know that these accounts are fraudulent and each time, they were unable to assist me. They continuously asked for my social security number, which I was uncomfortable providing them with, and an account number, which I don't have. I filed a dispute via Credit Karma and I was completely unhappy and confused with the results. They simply stated that the information was accurate and correct without even reaching out to me to verify anything.
This is the second time that this creditor, Synchrony Bank, has erroneously closed my account that it 's in good standing. A credit increase was granted and there were no issues for many months. Then, I received notice that the limit was decreased and subsequently without any notice, the account was closed within a couple of weeks. I called to inquire and once again, I was told that I called to cancel the account in XXXX of XXXX due to fraud. Interestingly enough, I was able to use the card in XXXX of XXXX. I never called with such requests and their representative, just like last time, insisted that someone called and verified all my credentials to close the account according to their records. They had the audacity to state that they verified that it was from my cell phone, the number on file, that they received such call. I informed that that I could provide them with a detailed call log that would prove otherwise. I informed them that this has happened before and requested to speak to a supervisor. This individual was able to confirm my suspicions. It was happening all over again. I 'm currently disputing two ( 2 ) fraudulent accounts on my credit report which have nothing to do with the others that are in good standing. For some reason, when the creditor receives this notice, which is not an account being disputed, they fail to properly conduct an investigation or confirm that the account is legitimately mine. I 've had this account for years now and I would like it to be restored to the last credit limit, the awards earned re-instated and a replacement card overnight to my address on file. I can not believe that a company behaves in such manner especially when payments are being made on the account. Do they think that a fraudulent account will be getting paid over the years? I wish that they would take better steps to verify the account prior to closing it without reason. If every time I dispute an account or an item on my credit report that has taken years to be resolved they close the account, they 're not doing good business practices. I understand that they have to protect themselves, but the consumers who keep them in business should also be protected. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
On XX/XX/XXXX I paid in invoice on Paypal using my XXXX XXXX credit card generated by my wedding photographer XXXX XXXX in amount of {$2900.00}. To avoid the 2.9 % transaction fee, I called my credit card company XXXX to dispute this charge and XXXX put the credit back onto my card. Meanwhile my photographer refunded me the transaction fee of {$84.00} so I called my credit card company to cancel the previous dispute. XXXX soon rebilled me {$2900.00} ( as stated in the XX/XX/XXXX statement of my credit card ). Paypal started a chargeback case ( case ID XXXX ) on XX/XX/XXXX after receiving the dispute notice from my credit card bank and held the fund from my seller. Although the dispute case is already closed on XXXX 's side and the fund was sent to Paypal 's merchant bank, Paypal claims that they did not receive any money and closed the case. XXXX provided me the letter to confirm that this dispute was canceled and the amount of {$2900.00} was rebilled and sent to the merchant 's ( Paypal ) bank. I had forwarded the letter to Paypal. However, on XX/XX/XXXX, Paypal close the dispute case and with the conclusion of missing fund. Now the situation is that I made the payment to Paypal and 4 months later Paypal said they did not receive any money or any notification from my credit card issuer XXXX. I had contacted Paypal numerous times to trace the fund, and kept receiving the same response that they did not receive it and therefore they have no payment for my seller.
I was living in the townhouse, when gave month-to-month notice which was approved, then left due to being stalked by unknown person. I filed police report, however apartment complex continues to bill for what they collected from bond for apartment. My minor daughter and myself had to flee the apartment to be safe.
I have multiple dispute issues with XXXX, XXXX  and TransUnion that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX XXXX XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit bureaus - NOT the consumer. 

Here is my dispute to XXXX, XXXX and TransUnion ( below ). Due to the fact that these accounts are reporting inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX  XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX Status makes no sense, delete this immediately : XXXX and XXXX : closed/TransUnion : open All 3 bureaus should be reporting the same information. What also doesnt make sense is that XXXX and XXXX report a monthly payment of {$0.00} while TransUnion reports {$1000.00}! 

XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$19000.00} XXXX XXXX XXXX Im at a loss on how you can still be reporting this incorrectly when you had ample proof that this was incorrect. You are required to delete this immediately : Balance : XXXX $ XXXX/XXXX $ XXXX/TransUnion {$68000.00} Past due : XXXX  and TransUnion $ XXXX/XXXX {$0.00} Any correspondence received to and from you will be made available to my attorney as well.
From XX/XX/XXXX to XX/XX/XXXX they have called 47 times, sometimes 3 to 5 calls a day.

I have told them several times that we do not acknowledge this debt, but they continue to the point that I stopped answering the phone. The company is Diversify Adjustment Services.

I have a wife that had XXXX XXXX XXXX, but they keep on Colling.
I do not have or owe a debt to Receivable Recovery Services LLC. 

I asked for a signed contract with my signature and personal information to prove that I have a " relationship '' with them. 

I asked Receivable Recovery Services for ANY evidence of this " apparent '' debt from the original debtor ( in which I do not owe them ). I asked for verification and any signed original documents with the apparent creditor. 

I have not received ANY of the above mentioned items.
i have a rush card that i am unable to access. I have a few bills that are due today XXXX/XXXX/15 and i usually get my payment 2 day early. They are updating their systems and the customers are not able to get a hold of anyone. i am a single mom with XXXX kids and i have to take care of my household but unable to due to not able to access my rush card. THIS IS SO NOT FAIR, i have not had this problem in the past and have been using my card for about 6 years
A refinance mortgage loan application that has take 11 months and still no closing date yet. 
I start the application in XXXX 2015 and a credit report was pulled them, three months went by and another credit report was pulled without my authorization. After that I was promise that it will take another month and we will be closing by them. XXXX came in and the loan officer disappear without even a courtesy note or email. They brought another officer that is trying to joggle all the mess that it was thrown on his plate, still the people that he have to rely on to complete the process seem to be incompetent. The estimates were all so off that they ask me to take a loan against my XXXX to cover the closing cost. The only reason I have not pull the plug is because I am so compromise and I am not feeling well to start all over again. This probably will be my last mortgage process.
On XXXX XXXX, 2015 I received a letter from Reverse Mortgage Solutions , Inc. notifying me that my loan was in serious default due to lender placed flood insurance. I was originally notified of the flood insurance requirement in 2015. I am XXXX years old and live on a fixed income. The amount needed to bring my account out of default is listed on the letter as {$6400.00}, which will increase. I made several calls to Reverse Mortgage Solutions, Inc to get more information in which I was not able to get in contact with them until weeks after receiving this letter. The representative assigned to my account is XXXX XXXX XXXX Ext. XXXX. I looked through my documents and realized that this amount is extremely high and could have been reduced had the company paid attention to the ELEVATION CERTIFICATE that was made part of my initial response to them upon being charged for lender placed insurance. I had my daughter call to see if she could get information from them and am in jeopardy of losing my home in a matter of days. The representative spoke with me on XX/XX/2015 to confirm that it was okay for my daughter to speak on my behalf and since then my daughter has not been able to contact them.
Experian.com did not properly inform me that I was subscribing to their {$21.00} monthly membership. I checked my credit report for {$1.00}, as advertised, and before I knew it, I had been signed up to this service without my consent. I knew because my bank account had been charged. I was charged on  XXXX   XXXX   2017 . I tried getting a refund as soon as I realized I was charged but I was told it was impossible because I apparently had agreed to this charge.
Navient/XXXX XXXX is the company. <P/>I 've had issues with misalocated payments every year since 2007 when i graduated. These are with my private loans. At one point XXXX XXXX put my loans on watch for the misalocation and it stopped happening. this took about 4 or 5 years of me calling them every month for them to take care of it. then Navient took over and its started again. Also I will have to call them again by next month about the same issue again. The part of this that make it worse is the ones having the issue are the ones my parents are cosigners. part of the issue is due to part of my loans going on default. but {$1000.00} plus a months in payments i ca n't afford it. i pay about $ XXXX {$270.00} for these loans a month My federal loan i have with them i try to get IBR plan for it but they deny me every time and when i go back to start payments again the total owed each month goes up again. i pay {$55.00}. but when i started paying them back i was paying {$48.00}.