WillisBack/dataset-financial-user-claim huggingface dataset:
I was a victim of identity theft, and there was a bank inquiry from Key Bank on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this Key Bank inquiry. 

I have tried calling Key Bank branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at Key Bank - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : Key Bank XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!
XXXX XXXX XXXX based in XXXX, Texas is harassing me that they would sue well over the statue of limitations. 

XXXX XXXX account that was sold which XXXX XXXX now no longer sells to collections : XX/XX/XXXX XXXX XX/XX/XXXX XXXX* Closed Date. 
Account was sold on XX/XX/XXXX XXXX* There contact phone : XXXX XXXX XXXX XXXX XXXX , tx
I continue to dispute and this is my second complaint regarding Equifax, XXXX and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
Resurgent Capital Services is repeatedly attempting to collect 3rd party debt operating in XXXX, South Carolina.I am receiving new call and mail from Resurgent Capital Services on Debt from 2003. Statue of limitations is long gone. They are using their affiliate or associate XXXX for collections. XXXX  needs to stop taking my old accounts and contacting me.
XXXX   XXXX   XXXX  has sent me to collections for {$190.00}. The hit to my credit report was placed in  XXXX   2017  for {$190.00}. That collection account is also tied to an address that I have never lived at in a city that I have n't lived in for over 20 years. It is erroneous and needs to be removed from all credit reporting agencies.
I applied for an auto loan through Carvana and was originally approved for financing. When I  selected a vehicle and submitted the required documentation i was told by my underwriter that she had to adjust my income based on their own guidelines. As a result i was unable to finance the first vehicle i selected. I then proceeded to select a second vehicle within the guidelines set by my underwriter ( XXXX ). Upon completing all the requirements and a verification call with my bank to verify deposits I was told that they had everything they needed. I verified my funds for deposit and afterward i received a call saying that the guidelines that were set by my first under writer were no longer valid and that half of my income would not be accepted. I asked for a copy of the company 's financing policy that outlines acceptable and non accepted forms of income. I was denied this information. I believe that when i sent a copy of my license and they saw that i was XXXX they decided not to lend to me. There is no document or policy stated on their website that excludes any forms of income however i was denied because part of my income comes from online sales.
I periodically send money through MoneyGram International "housed" by Wall Mart XXXX
XX/XX/XXXX, I requested for a copy of my XX/XX/XXXX transaction with the company. The Wal Mart branch told me that it is the headquarter XXXX that handles such matters. I was asked to direct my request to:
The Manager/Supervisor, The MoneyGram International, XXXX Tel. XXXX.
I contacted it. The employee who attended to me by phone asked me to go on-line on their website to make my request. I did as required: 1.) a photo id,  and 2.) $XXXX fee. I sent the XXXX as required the address above XX/XX/XXXX.

When I did not hear from the company XX/XX/XXXX, I called. I was transferred from one employee to the other. When no one could produce an answer, I requested to speak to the supervisor. It was the most frustrating moment. I was put on hold for 0ver XXXX minutes with annoying music playing in my eyes. I had to hang up without answer.

I went back to Bank XXXX from where I bought the $XXXX money order. On around XX/XX/XXXX Bank XXXX confirmed that MoneyGram International cashed the money order XXXX XX/XX/XXXX and produced a copy of the endorsement by MoneyGram International.

When the company would neither refund my money nor produce the requested copy of my XX/XX/XXXX transaction, I , XX/XX/XXXX went back to their branch in XXXX to report what had happened. Once again, I was asked to direct my complaint to the XXXX headquarter. On the same day, I got on phone to ask why he company would get my money and not meet my request. The response was frustrating and disgusting for 45 minutes: it was a merry-go-round transfer from employees who identify themselves as XXXX assuming they gave my correct names. I told XXXX that I have had enough transfer and would like to speak to the supervisor. "Hold on," she said and left me on phone for another 30 - 35 minutes with the usual aggravating music. I hung up. 

I waited 40 minutes and called again. The same thing happened. This time, I was transferred XXXX, Before he could ask for another transfer, I asked him to let me talk to the supervisor. "Hold on," he said and started playing the usual horrible music  my ears. He neither came back to attend to me nor did any supervisor pick up the phone until I gave up after XXXX minutes.

This is my case. I have endured this unethical, irresponsible, and unprofessional treatment from MoneyGram International. The company gives me the impression that it is a bunch of cronies, operating a business to see how much dupery they could get away with  outside he XXXX headquarter. 

I will appreciate your intervention to right the wrong.

Thanks.

P.S I have a copy of the endorsed money order
XXXX has been deceptively putting my loan in forbearance status even though I was never late in payment or requested forbearance status. Also, they are generating higher amount bill than it actually is due so that payment carries over to next month and it does not count as qualifying payment toward PSLF. This is a very deceptive and fraud practice. They are not listening to me and not fixing these issues. If they do not count all my qualifying payments for PSLF, I am going to take legal action against them. I hope they listen to you.
name LVNV Funding LLC, XXXX XXXX XXXX XXXX XXXX SC Re subject CC account number # XXXX, ref # XXXX to whom this may concern ; I would like to make arrangements to settle the above referenced matter please provide me with the statement of amount owing of XXXX I prefer a " true bill '' but will accept a statement [ by XXXX XXXX ] together with your assurance that you will accept payment in direct and immediate exchange for the for the original instrument of indebtedness in its original form. please be advised you are also in violation of information breach, as i will provide the applicable law [ s ] in my next complaint thank you very much, XXXX XXXX
Equifax how do you know which accounts I referring too? if your company said on all investigation that you had verified these accounts earlier in your reply you stated to me but when you replied back you stated Response disputed how did you verify the accounts and who did you talk to seen me proof of who you talked to or to closed the horses mouth JUST SEND THE ORIGINAL SIGNED DOCUMENTS??? IF YOU HAVE THEM SEEM LIKE I 'm the only one that sending proof I have been asking for this info since the beginning of XXXX and all I got from you were we have verified these account I have n't seen who and what you have did to provide the info.. please send asap Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. You did not list any specific items in which you are disputing. In order to properly address your concerns and assist you, you will need to provide specific details regarding items on your current credit file in which you disagree. 
That 's a lie Equifax You sent out another letter saying contact the creditors by name per your company name How did you Know that If I did n't disclosed the items?
Experian is reporting an account from XXXX XXXX that do not belong to me. Experian refuse to conduct a reasonable investigation into this erroneous reporting from XXXX XXXX. As required under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A, Experian failed to provide me in the dispute results ( XX/XX/2018 ) physical verification of an original signed consumer contract with my Signature on it that 100 % positively verify this account belong to me. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. 

Experian is reporting a Chapter XXXX Bankruptcy in my public records. I have never file Bankruptcy and I believe I'm a victim of mistaken identity. Once again Experian will not conduct a reasonable investigation other than using their XXXX - XXXX system. They will not provide to me their method of verification that 100 % positively verify this Bankruptcy belong to me. I had a similar situation with another Bureau agency and after an investigation they deleted it from my credit file.
I purchased a coat in XXXX 2014 on Ebay and used my Paypal account. The coat was NOT the real thing and I was told by the seller in XXXX XXXX to send it back using USPS and I would be refunded the money. The cost of the coat was {$400.00} I had it insured. The seller in XXXX XXXX claims she never received it. The USPS says it was delivered and gave me a delivery receipt. Filed a complaint with PayPal and they denied it because it was 45 days after the purchase. Now I do n't have the coat and I am obliged to pay the {$400.00} to PayPal with interest. I filed a complaint with XXXX. to no avail. 
This is fraud and PayPal should stand behind their paying customers.
On XX/XX/2019, I received an email stating we did not qualify for a mortgage loan. And as, first time home buyers, we clearly met and qualified for their program. I have continuously email the processing senior loan officer processing our application and have waited days and weeks for a response! 

On XX/XX/2019, I received another email stating our FICO score results and clearly meet the bank 's requirements. 

We feel that we have been discriminated against based on our FICO credit score worthiness, despite meeting the banks requirements.
in XXXX of 2010 I filed bankruptcy and surrendered the home to American Home Mortgage. American Home Mortgage neglected to retitle the deed into their name since the home was surrendered back to them in the bankruptcy proceedings. American Home Mortgage in turn sold the loan to OCWEN in my name. Owen demanded payments on a mortgage that was surrendered in bankruptcy. After several threats that I still was liable for the mortgage payments. I mailed them XXXX payments totaling {$12000.00} that they collected illegally and this was not a business practice. XXXX i filed bankruptcy and surrendered the home back to American home mortgage and they were negligent in renaming the deed to their name, American home mortgage sold my mortgage to OCWEN and Owen demanded all their money and i sent it to them not knowing and it went in their pockets. Then in turn Owen sold the Mortgage again in my name to someone else and the third party foreclosed on the home in my name and reported it to the fort XXXX XXXX sheriff as a foreclosure in my name. that deed should have been retitled 3 times once To American Home Mortgage, second then Ocwen Loan Servicing , LLC and then the third party. XXXX mortgage companies illegally left my name on the deed after surrendering the home back to American Home Mortgage and five years later foreclosed on the property that I no longer had possession of after the surrender in 2010.
2 weeks ago I called Experian to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.
continued payment request for services of which have been paid. Proceeded to falsely contact the credit reporting agencies, effecting my credit rating.
Previously, I submitted a complaint about my American Express card. My money was lost in a balance transfer, XXXX XXXX, 2016. Please refer to CFPB Case number : XXXX. American Express has had time to research the issue, but no one has phoned, written, or otherwise informed me of any updates on my situation. 

In short, I requested a balance transfer from my AMEX card to a XXXX XXXX credit card. The money never showed up in my XXXX XXXX account and I was given the run around each time I called and spoke with AMEX representatives. The company responded to my complaint by saying they needed 45 days to trace the funds. Why has n't anyone been in touch with me? 

Electronic funds do n't get lost. American Express is responsible for sending funds to a bank that claims that they do n't accept electronic balance transfers.
I XXXX XXXX XXXX XXXX, XXXX would like to file a complaint against this debt collecting company called USI Solutions they are aggressively trying to pursue me to pay a loan that I have never in my life seen or received a check for .there number is XXXX this is some fraudulent loan and I 'm not paying for a loan I do not owe.University XXXX I have never attened a online school this is some type of Identity fraud.
I was a victim of identity theft and noticed a collection from Lvnv Funding I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against LVNV Funding in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Welcome XXXX XXXX [ Logout ] Case number : XXXX have not heard anything since XX/XX/XXXX and this lender is going to continue with foreclosure proceedings. I got a copy of a request for a stay of foreclosure that seemed like it said the company was going to help me keep my home but last week received a withdrawal of that request along with a statement that they intended to proceed with foreclosure. 
I have hired a lawyer XXXX XXXX and he intends to file for a motion for dismissal because I guess the lender and collector are n't supposed to work separately in Maine so what they are trying to do is illegal. 
In the mean time XXXX Bank of New York Melon is trying to foreclose on me XXXX is going to process yet another modification application to help me but I will probably just get another offer for XXXX + per month because the back amount owed continues to rise as I face uncertainty. 
I still maintain that XXXX XXXX XXXX said they were transferring my mod to XXXX and they would contact me if they needed information which they did not do until 3-4 months later when I finally received a bill which by this time was too high for me to catch up. 
I feel that these lenders took over my loan for pennies on the dollar as an easy target for foreclosure and an opportunity to re sell for full cost and triple their profit. 
These practices need to be stopped somehow. Did they not recently lose a lawsuit because of illegal practices? Do they even own my loan since it was a fallout from XXXX filing bankruptcy and illegally transferring notes to XXXX XXXX XXXX. 
I would like this investigated as well.
Hello, My wife and I called XXXX XXXX to get an estimate on how much money it would cost us to file our taxes. They said we would have to come into the office and bring our documents for them to see to give us the estimate. When we arrived at their office XXXX XXXX said that our initial consultation was free and they would start charging once the work started. At that time we asked XXXX what the next step was, and we were informed that we needed to pay {$75.00} for a power of attorney so they could access our paperwork. XXXX took longer than what seemed necessary to get the form entered on the screen and we questioned her if she needed help entering the info on the screen. We assisted her with the information repeatedly to get it all entered, and finally got everything entered. Unfortunately we felt that after this process that possibly XXXX may have some difficulty doing her job, and did n't feel confident in using the firm. We called her secretary following this appointment to discuss whether XXXX is having cognitive or senility difficulties. The secretary asked us if we were going to continue to use their firm, and I said no. We expected to get the bill for the {$75.00} for the power of Attorney, but when the bill came in the mail it was for {$890.00}. 
I feel this is a gross misuse of billing. I was told the estimate for the work was free. Than XXXX took a long time talking about her other clients and what she does for them, giving examples of what she has done for them. It looks like they are charging us for listening to her long drawn out sales pitch. I am only willing to pay the {$75.00} that we agreed to pay for the Power of Attorney for to be submitted online. This we already consider a loss based on the fact that we did not feel comfortable to have them actually do our work. I contacted them to complain about the bill, and they said they are charging me for the time. I said " What time '' I was told free estimate and {$75.00} for the power of attorney. I also said " You did n't do anything for us to justify charging us {$890.00}. Are you you trying to take advantage of us? ". They refused to hear our opinion, and now we have a second bill from them through a Bill collector called IC System. This is completely unfair.
I recently received a new copy of my credit report and I noticed an account was still reporting in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to them and " XXXX XXXX XXXX '' ( The original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.
After my XXXX in XX/XX/XXXX, I decided to go into a XXXX position that I am still working in. I was aware of the Public Loan Forgiveness program and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in XX/XX/XXXX. I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In XX/XX/XXXX, I decided to submit my application to see where I stood. I received a response back in XX/XX/XXXX stating that none of payments qualified. I contacted the FedLoan Services at XXXX XX/XX/XXXX to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a XXXX position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in XX/XX/XXXX when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham. 
XXXX School : XXXX University, XXXX, MO
XXXX has been non-compliant with removing the unverified account KINGS CREDIT SERVICES which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that KINGS CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
On XX/XX/2018, i authorized an amount of {$91000.00} from my savings account be sent via international wire transfer through my bank ( TD bank ), but the recipient is yet to receive the funds after three weeks. I tried to resolve this issue by submitting all documents requested, three subsequent visits to the bank and a countless phone calls but all to no avail. My question is, if there isn't any hold up as one of the reps told me yesterday, why are they holding the remittance when my family are in desperate need of it? Any help from you will be greatly appreciated. Many thanks!!!
National Credit Systems  a collection company put a collection on my credit report. Disputed this because I was never made aware of debt by phone or mail. I called and spoke with someone in  XXXX  at the company and they told me they were no longer liable for the collection and it had been purchased by a lawyers office, I was told that the collection would be removed because they were longer liable. Collection is still listed on all my reports. I have since contacted the lawyers office they agreed not to send to bureaus payment agreement was made once they verified that all the information they reiceved fro m National Credit Systems was in valid.
Concerned the loan ( SPOTLOAN ) may have been illegal for the state I live in at the time it was approved. It appears the company is no longer doing loans for state of GA. Money was deducted from my account every payperiod. When my bank account was suggested to be closed due to fraud against it, I contact the company and was advised I could now make my payment by debit card. Called to make my payment, and system was down. Was told I would not be penalized when calling back to make payment. I called to make my final payment and was advised my account was marked as collection. Payment was charged for interest due to company not being able to accept payment on due date