WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I notified the three major credit bureaus that an account from XXXX XXXX was being reported on my credit report, I informed the that the account was open by my ex-husband when I was out of the country, The account was open on XX/XX/XXXX however I was out of the country and I retuned on XX/XX/XXXX. On XXXX I received responses from the credit bureaus, they claimed that they verified the information and that the account information was correct. On XX/XX/XXXX I notified XXXX XXXX that the account in question was opened with out my consent and at the time I had no knowledge of the account. The Account was opened by my ex-husband. I provided a copy of my passport showing that I was not on the United States when the account was opened however they neglected to acknowledge this and they just stated that they reviewed their files and that the account information was correct. Also they send me a separate letter stating that they sold the account to a collection agency. XXXX XXXX has neglected to acknowledge the fact that I did not open the account and that i was out of the country at the time, they have not also provided proof that the account belongs to me.
I have numerously disputed this XXXX account. It was originally purchased by another collection agency and I wrote that agency telling them to provide me with a signed contract that I purchased this acct and because they were not able to validate or verify this acct it was ultimately removed and deleted from my acct. Now I see that another agency has taken over this debt and are reporting to the bureaus. I Ask again please provide a signed contract with my name or remove from my credit.
XXXX XXXX I Last reported : XX/XX/XXXX + {$860.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$710.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$530.00} Needs Attention XXXX XXXX  Last reported : XX/XX/XXXX + {$460.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX+ {$300.00} Needs Attention XXXX XXXX I Last reported : XX/XX/XXXX+ {$68.00} Needs Attention DXXXX XXXX XXXX Last reported : XX/XX/XXXX+ {$38.00} Needs Attention
I had previously sent fraud affidavits to TransUnion to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

XXXX with balance of XXXX} - FRAUD XXXX XXXX with balance of XXXX} - FRAUD XXXX XXXX with balance of XXXX - FRAUD XXXX XXXX LOANS with balance of XXXX - FRAUD XXXX XXXX XXXX with balance of XXXX - FRAUD I have sent 2 previous letters to TransUnion, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
I do not have any knowledge of nor was consent given for the inquire. My identity was compromised I want the inquires removed from all three of the credit reporting bureaus. called the companies several times to correct the matter but no action was taken. I even submitted documentation a identity theft affidavit to the credit reporting bureaus and yet the inquires are still reflecting XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX
I went to open a Bank account and once they ran the XXXX 3 accounts came up on my account that were listed as NSF ( 2 ) activity or Account Abuse ( 1 ) I wrote to the banks and to XXXX on XX/XX/XXXX to let them know that I had no recollection of owning or signing for these accounts. I received a letter from one of the banks stating that the account was valid but they did not send me proof of signature. I wrote them another letter onXX/XX/XXXX requesting that they send me proof of signature.
This is a complaint pertaining to a background check completed by my employer. The company XXXX XXXX XXXX is reporting false information - none of the items listed belong to me. 
I contacted them for proof and they were unable to provide.
Had a car accident go to litigation and the bill for XXXX XXXX XXXX XXXX XXXX was pending payment with the insurance company, XXXX, when they called me and tried to collect. I told them it was a claim for a car accident and it is in litigation. Two weeks later, without any further contact, they submitted it to XXXX XXXX. I got an email from my lawyer stating they openly admitted to him they did this and I sent it to Experian. Experian responded stating that they can not remove the information at this time. Absolutely no reason as to why, just that they wo n't. I gave them the lawyers name, company and contact info along with the email stating XXXX admitted to committing fraud and they refuse to remove it. Shameful
I have call XXXX and told Them That XXXX  XXXX XXXX XXXX shouldn't be showing on my inquiry on XX/XX/XXXX because I haven't apply for no service with XXXX  XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -XXXX XXXX EQUIFAX inquiries listed incorrectly doesn't belongs to me XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX incorrect inquiries don't belongs to me XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
XXXX 2016 I was offered a bank credit card by a bank representative at my local bank.! He explained to me that the credit card was in the amount of {$3500.00} with a 15 month interest free plan. I used the card initially to pay off a few small accounts and also to make a few personal purchases. I was later reprimanded by someone from the credit company and told that, '' I had no right to make purchases on the card ( my card ). I was further asked who authorized me to do so ''. From that point I was charged 'Interest ' on my credit card and have been paying even to this date! Although, I do not feel that I have been treated fairly, I continue to pay my bill. Please assist me with a workable and fair solution to my delemma. Thank you for your timely consideration.
I have disputed this Account on many occasions with Equifax, XXXX and XXXX  about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show XXXX
XXXX XXXX, XXXXt XX/XX/2017, XXXX, XXXX   XXXX, XXXX & XX/XX/2017, XXXX XXXX XX/XX/2017 pulling my credit report saw these inquires tried to file a dispute with Transunion representative told me I couldnt file a dispute I would have to wait two years for these to fall off report even though I didnt authorize my credit to be ran they are not mine
Hello. I began financing an auto loan with Exeter Finance in XXXX 2012 and at that time their customer service division was located in the U.S. Several months ago Exeter out-sourced the entire customer service division to a foreign country including customer service, insurance, finance, and all other matters relating to the loan. I have attempted repeatedly to speak with Exeter regarding new regulations received from my property insurer because the current customer service division is incapable of providing appropriate information regarding U.S. law - can not provide information on insurance requirements or answer questions of any kind. In fact the foreign-based customer service division now utilized by Exeter Finance appears unable to perform any function other than accepting payments. In addition, over the past four months I have received in excess of 7-8 calls per day from Exeter Finance regarding payments. I previously requested to change the due date of the loan closer to the XXXX of the month and it is now due on the XXXX however my pay date is between the XXXX-XXXX each month. A term of the loan provides a ten-day grace period and in each call I state the same information - a payment will be made on the account between the XXXX and XXXX of the month and request that information be noted on the account however it is NEVER done and I receive excessive collections calls from Exeter Finance and I 'm forced to repeat the same information in every call. Also Exeter has now DELIBERATELY MADE IT IMPOSSIBLE FOR U.S. CUSTOMERS TO SPEAK TO U.S. BASED EMPLOYEES AND FOREIGN AGENTS ARE NOT ONLY INCAPABLE OF PROVIDING FINANCIAL REGULATIONS AND INSURANCE REGULATION INFO THEY ARE 100 % UNFAMILIAR WITH THAT INFORMATION AND ARE NOT TRAINED TO PROVIDE IT AND COLLECTIONS CALLS ARE HARASSING AND EXCESSIVE.
Please see the attachments, the miscellaneous charges should be gone. The taxes and everything have been paid and refunded and even cashed by you guys. Please update it as I plan to trade it my car soon! I have been told 5 times now that this has been handled but yet I see no {$0.00} balance on the Misc charges. Please handle this. This is for Account # XXXX.

VA Dept of Taxation has taken care of the overages charged and my misc charges balance should be {$0.00}.

I am getting no response at all about this.
I first contacted Experian on XXXX XXXX, XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. they responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records. 

on XXXX I then wrote back to the Experian people with information from the courts and not reporting that information to them as well as the NEW Information i Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Experian once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX COMPANY ON XXXX to which I am holding as a response once again from EXPERIAN saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX
I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with XXXX and equifax and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time
My husband became unemployed recently, but he has been struggling with his job for a few months now. Navient absolutely has no options in order to defer payments for even a few months, until he can get a job and we can get back on our feet. We have a house and a new XXXX, and this is all very bad timing. When my husband called Navient to try and speak with them about any options for forbearance or deferment to financial hardship, we were told his loan does n't qualify for that, and asked if he could make a payment of $ XXXX {$200.00}, and then we could do a " forbearance '' of a monthly payment of {$150.00}. He tried to explain right now we have {$0.00} to pay, and they asked if we could make a payment on a credit card or borrow money from someone. Obviously, this is not a solution. We told them no and asked if there is any way they could help us. They stated that there was n't, and that the phone calls would continue until we paid.
on XX/XX/2018 I went to community credit union to get a loan to purchase my leased vehicle from XXXX XXXX. the loan officer called XXXX to inquire as to the payoff amount she ran my credit and they approved the payoff amount XXXX gave her ( my credit score was XXXX ) she contacted XXXX for a hard copy of the payoff before she could issue a check of which they sent via fax dated XX/XX/2018 my banker cut a check for the amount of {$22000.00} and mailed it to XXXX dated XX/XX/2018 XXXX received the check XX/XX/2018 and deposited it XX/XX/2018. As far as the bank and I knew the truck was paid for but the bank never received the title about 2 months later we started checking and XXXX was claiming I owed them more money for a payment in XX/XX/18 and XX/XX/18 we could not understand they said they had sent the wrong payoff amount that it should have been {$23000.00} and that they could not apply the check we sent to my account because it was incorrect they had already turned me into the credit bureau as late on payments it was all there mistake and they fined me for late payments at this time all I wanted to do is pay them and get my credit fixed so my bank sent them a check for the difference but now my credit score is XXXX because of there mistake + {$1500.00} in fines and penalties I had to pay.
I came to this country all by myself years ago, because I really wanted to get an education. XXXX College was one of the few colleges that would accept me without a XXXX. 

They lied to me in so many ways, they told me I would be able to transfer my credits to any accredited college ( I knew I did n't want to stay in AZ ), quoted me a much lower tuition ( than what it ended up costing me ), promised to help find me a good job after graduation. 

I was working full time, and part time on weekends, plus going full time to college. 
And still I graduated as the XXXX of my class, such was my drive. Imagine my disappointment when all the jobs I was looking at started at {$7.00} and hour and even lower, some of these were recommended from the college to me. I could not survive on that and had to work in another field. Then when I tried to go back to school to further myself, I found out that my credits would not transfer, I was VERY disappointed and it really ended my dream of getting a master or more. I simply can not afford to take on more student loans. What added so much more stress to my life was that I had a co-signor and I was promised at the time I signed for the loans that if I pay 24 consecutive payments my co-signor would be removed, that never happened, I tried everything even paid an entire year ahead in full, still they would not remove her. This has put so much XXXX on my friend and our relationship. This school was a fraud from beginning to end.
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. I have attached a copy of my Social Security Card and a copy of my California Drivers License for verification. Thank you in advance.

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
My loan was taken out XX/XX/XXXX with the first payment of {$230.00} due on XX/XX/XXXX. On XX/XX/XXXX I made a payment. Pleased that so much more went to principal over interest, I was committed to paying my loan early.
Then, One Main closed my initial account and opened a new account with the same info. I 'm not sure why, I never received any communication on this. I now have two accounts from One Main on my credit report. At any rate, my statement date changed. I did not have an amount due when I made a payment on XX/XX/XXXX. I made a payment of {$250.00} figuring I could pay down faster.
On XX/XX/XXXX a statement cut and showed {$0.00} due. This seemed fine because I had just made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$210.00} due. I made a payment on XX/XX/XXXX.
On XX/XX/XXXX a statement cut and showed {$230.00} due, with no reduction in principal balance. This is when I called One Main.
They are saying since I did n't make a payment in the month of March, the entire {$210.00} PLUS {$20.00} from my May payment all went to interest.
They keep saying I did n't make a payment but this is not true. So far, I 've had 4 payment due on the loan ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). So far I have made 4 payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
I sold my house XX/XX/XXXX. The attorney called Seterus Inc. to verify taxes had not been paid. Seterus told tbem they had not so attorney paid taxes and said I would get my money back with escrow refund. I got an escrow check that did not include taxes. I called Seterus tbey stated they paid taxes. I called county and they said it was dounle paid. They would refund money to Seterus. That was 3 months ago. On XX/XX/XXXX Seterus stated they had the refund but were aloud 3 weeks to refund to me. I called back today Seterus stated they didn't get money back from XXXX County. They have had my money for 3 months and noone is helping. XXXX keeps transferring me around to differen people.
Midland Funding purchased an old credit card debt of mine in 2015. I was sued by Midland Funding on XXXX XXXX, 2015 for {$2900.00} and served a summons at my parents address ( listed above ) in XXXX XXXX. At this time, I was visiting for the holidays. I currently reside in XXXX. I understand this may be a violation of the Fair Debt Collection Practices Act, though I have waived my right to sue in a settlement agreement. 

Both Midland Funding and XXXX XXXX XXXX have previously been successfully sued by the state of XXXX for violations of the FDCPA. 

Prior to the lawsuit being filed, XXXX advised me that they would not consider a settlement on the account. However, after the lawsuit I was able to obtain a settlement of {$2100.00} from XXXX XXXX XXXX. I brought certified payment for the full amount to the offices of XXXX XXXX XXXX and asked that a dismissal with prejudice of the lawsuit be provided, in accordance with the settlement agreement. I was provided with a document that stated it was a dismissal with prejudice in the header but in the text stated " dismissal without prejudice. '' After having paid the settlement amount in full, I would have expected more attention to detail on behalf of this legal firm. After pointing out their error, I was provided with the correct document.
I opened a new Citi regular checking account in XXXX 2016, with promotion code XXXX, to earn {$400.00} bonus for new account by depositing {$15000.00}. I confirmed my eligibility for this offer and the deadline for initial fund through contacting with customer service online. And I deposited {$15000.00} before the end of XXXX 2016. I maintained the same balance for 30 days and waited until XXXX. I contacted with customer service again in early XXXX to check when the bonus will be posted to my account. The customer service said it would be XXXX XXXX. But it was still not posted. I requested again on XXXX XXXX, however, they said I 'm not eligible for this promotion any more. I 'm disappointed about how could they reply with different answers before and after. I totally followed the required terms and confirmed with them before.
Constant calls to my place of business. Always a recording, when I hold for a rep, call hangs me up so I never get the chance to speak to someone to question the legitimacy of the call. 

Recorded call dials in XXXX times a day, everyday including weekends.
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2017 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to  protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.
The time I got the loan I was homeless working for XXXX XXXX. I got the loan an was able to pay for a room that night. I did n't pay the loan back now I 'm reciveing calls from a guy who is threating an harassing me an also, he has called an harassed other family members. He is calming I did fraud but I did n't do fraud I have the same bank account. He saying I 'm going to go to jail. The place where I received the loan is XXXX XXXX.
I am being charged {$29.00} by an Internet Hosting company called Just Host. This service was cancelled XX/XX/18, but they keep charging my card. I complained to the credit card bank Capital One and they have taken all my supporting documents but are still re-billing my credit card. I called Capital One again today and they said they did not receive any supporting documents. This is false. I uploaded all the supporting documents to a special document link they provided me.
I already filed the dispute from FTC report and filed the police report on authorized but the hard inquiries are still remaining only on Transunion XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX