WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted Diversified regarding an account listed on my credit file in the amount of XXXX rounded off to XXXX on my credit report. Diversified responded by representative XXXX XXXX with a response that was not related to the account I was complaining about. There seem to be a misunderstanding on what account is being complained about. Please remove Diversified Consultants in the amount of XXXX from my credit file. This account is a result of identity theft. I have never had any dealing with Diversified Consultants nor the company XXXX in which you represent. I have never received a notification or validation from Diversified that this debt was owed or that it will be reported o my credit file. I wasn't made aware of this fraudulent debt until I check my credit file. I will also attach what was sent to me so the CFPB can see that they responded with something that was not in question to them. There is no contract bearing my signature nor any legal proof that I have any obligations to you. The alleged account is a result of identity theft and should be removed immediately.
XXXX17 received phone call after paying {$3000.00} to the agency that i owed another {$16.00}, I said i would take care of it online, a week later they called back and then called my husband asking for the {$16.00} payment. Pushing for me to pay over the phone that day. I paid it. Previously to all this, I set up payments which I paid as per the agreement, but only after I was forced into providing them my bank statements and other documents not necessary to set up payments, I told them the amount I was comfortable paying and they argued with me with unreasonable payment amounts. I felt threatened that if I did n't agree to them they would garnish my or my husband 's paychecks even though we made payments each month and even sometimes twice per month.
there is a charge on my credit report that is not mine please remove it i have never had an XXXX account in cali
They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports
I am in the middle of refinancing my home mortgage when I was told my credit score dropped from the XXXX to the XXXX because of a $ XXXX collection. When I pulled my credit reports there is a company, XXXX XXXX claiming I owe an education debt of $ XXXX. I have two student loans, one with XXXX and one with XXXX, both of which are current and I have never missed a payment. When I contacted XXXX XXXX I asked for the original creditor or account holder. They would not provide me with that information, only that it was XXXX XXXX University. I never attended XXXX  XXXX University, I 've never had a student loan in this amount either. I asked for the original documents and I was told they would be mailed to me. I called Convergent back a second time requesting some additional information and I was told that there were no notes in my file to send me the original documents. Convergent also told me this is from a debt in XXXX, which is far outside the Florida Statues of limitations. I have never had any other collections on my credit report regarding this account XXXX XXXX is claiming I owe. Please investigate XXXX XXXX. I have researched them myself and they are well known for fraudulent collections similar to mine. Thank you.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, ) from my credit report and all hard inquiries except for XX/XX/2019, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX  and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system. 




I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, ) from my credit report and all hard inquiries except for XX/XX/2019, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX  and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.
In XX/XX/XXXX I opened checking account XXXX XXXX XXXX to receive the promised {$300.00} reward in offer code XXXX. Automatic deposits of my Social Security checks took place until XX/XX/XXXX. A letter dated XX/XX/XXXX, " We deposited an incentive reward of {$300.00} to your account ending in XXXX on XX/XX/XXXX. '' The deposit of only {$210.00} was made on XX/XX/XXXX. A minimum settlement would be a deposit of {$84.00} without any late or other fees for a zero balance after XX/XX/XXXX.
the bureaus refused to investigate the fraud that XXXX XXXX is doing to its consumers which are unlawful, they added interest fees and charges, they said the interest rate will be one thing and add what they want i got a {$25.00} dollar interest charge with a {$0.00} balance, which is fraud, this account is reporting negative on my credit profile but i shouldnt be i paid them they didnt even add the payment to my accounts and closed my card .i am challenging the information they are reporting such as open dates, balanced owed closed date, payment history .These bureaus are supposed to by law report true on my credit profile but several not true things are reporting on this account and they refused to investigate XXXX  XXXX AFTER I DISPUTED THE ACCOUNT TWICE, I RECEIVED NOTHING BUT VERIFY I SENT A METHOD OF VERIFICATION AND WAS IGNORED BY ALL 3 BUREAUS .THIS ACCOUNT INFORMATION IS INACCURATE, I SIGNED UP FOR THE PROTECTION PLAN WHICH STATED WHEN I LOST MY JOB IT WOULD COVER MY PAYMENTS WELL IT DIDN'T THEY SAID THEY CANCELED THE PLAN AND I WASN'T NOTIFY. THAN THEY JUST JACKED UP THE INTEREST RATE, THEY HAD CHARGES I DIDNT AUTHORIZE ON CARD AND WHEN I CALLED THEM THEY SAID OH WELL,
I called the bank to close my account in  XXXX  of  XXXX  ( I do not have the date on me now, but I can access it via phone records ) while the balance was {$0.00}. I found later that they never closed the account, and assessed fees for inactivity. I assumed it was an honest mistake.  <P/> I called again on the  XXXX  of  XXXX , I asked that the fees be refunded and that the account be closed as it should have several months prior. The fees were refunded, but the account was n't closed as I was told it was. I have email proof of the refund on that date ... BUT.  <P/> On the  XXXX  of  XXXX , I received another notice that the account was assessed fees for no activity in the account. It appears for a second time that I was told over the phone my account was closed, and they ended up not closing it.  <P/> This appears to me to be a deceptive practice in order to try to assess fees for account inactivity, when I have tried now multiple times to close the account when the balance was initially at {$0.00}.
I have filed a complaint with CFPB on my Equifax credit report, and my complaint # is XXXX. I have recieved an email from CFPB that Equifax has responded to my complaint and they have closed the complaint. 
The equifax says that the hard inquiry that I complained about is not reporting on my credit report. But, today, I got my Equifax report online, and the hard inquiry is still there! 
I don't know how they have made the mistake!
I send in a response on XX/XX/2017 with no REPLY XXXX XXXX XXXX / SHELPOINT-
I am writing concerning my experience with Capital One Bank. Theres concerning marks reporting derogatory in my credit files that I would like to have removed. This account was fraudulently opened in my name. I have contacted this company on several occasions with no return notice of acknowledgement. I received my credit report profile from the 3 major reporting credit agencies today on XX/XX/XXXX. Unfortunately, Im showing a credit card account that was opened in XX/XX/XXXX and charged off in XX/XX/XXXX. I am asking that this be deleted from my credit profile as this account does not belong to me. I have a Police Report, a Federal Trade Commission Identify Theft Report and a screenshot of the listing on my report. Ive made several attempts to solve this issue.
I have been a victim of a fraud and identity theft. Someone stole my Chase Atm card and saw my pin ( maybe over my shoulder I can only speculate ) the amount stolen was {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have XXXX police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded. 

I informed the FBI, the XXXX and Consumer and before I take further action I wound like you to interfere with Chase and send this complaint on my behalf. 

Thank you in advance! 

Truly yours, XXXX XXXX
I had Experian investigate XXXX XXXX during a dispute on my credit report. They came back and verified the debt..I had paid a settlement and XXXX considered account to be paid and closed..Experian decided to keep displaying the account on my credit. I recently contacted XXXX  XXXX VIA Chat on their website. I asked specifially what I could do to get the information off my credit. I was told by the XXXX representative that they did n't have my account in their system. They could n't find it ... Therefore they could n't verify the account.the XXXX account is XXXX..It appears 2x
We have an open complaint case # XXXX - XXXX XXXX of Wells Fargo after beginning review via voice mail that she could not complete the review on the original promise date of XX/XX/XXXX and that she would have the results on XX/XX/XXXX. 
This delay is after the law date that Wells Fargo is aware of by indication of their lawyers as they have been notified. This is an act that has caused suits in XXXX, XXXX and XXXX that law suits were brought against Wells Fargo with results in the defendants favor. I have the two voice mails saved, none of which advise me to contact Wells Fargo ( I am reachable ) - when I contacted them via the extension provided the recording stated not a good extension ( again something mentioned in prior law suites ). I am applying for an extension of the law date but all I want is to resolve my mortgage issue and keep my home so in time Wells does not lose money as I have a bankruptcy during term of mortgage but mortgage never re-affirmed. I do not want to lose my home or pursue a law suit or class action event.
The man who called was speaking to me with a nasty tone and asking questions that were discriminating towards me, asking me " why are you talking so fast '', and you have a bank account dont you, very snotty, and talking to me very derisevely he made me feel like I was some kind of a low life and was asking for information that he did not need to know, when I told him I have no income and that my husband was the only XXXX with income he asked me where does my husband work, to which I told him that was none of his business, then continued to get very nasty with me still saying how he was gon na make the recommendation to the company that I didnt have a payment arrangement and wouldnt allow me to speak and told me have a nice day very very nasty like and literally hung up the phone on me. His name was XXXX, and I have never had anyone make me so angry so fast and talk to me in such a way, I felt like crying afterwards and he made me feel like I was being ridiculed by a parent and I was a child.
Over the past year for my business, I have borrowed money from my Capital One Spark Business Credit Card through a program called " No Hassle Checks. '' I have done it four times and paid it off immediately. On XXXX XXXX, 2016, I requested a check and they said it would take at least 10 business days to arrive. On XXXX XXXX, 2016, I received notification of an invoice due On XXXX XXXX, 2016. I have n't even received the check yet, never mind cashed or used it, but Capital One is already charging me? And charging me 24 % interest to boot! They are charging me 24 % interest on a transaction that has n't even occurred yet? This ca n't be right. Its already disgusting the rates at which they are able to charge, but now they are able to charge on hypothetical transactions? Something needs to be done about this. The blatant fraud of these banks knows no boundaries.
In an attempt to collect {$2900.00} LTD Financial Services of XXXX XXXX   XXXX XXXX, XXXX, TX XXXX, has made repeated phone calls to my personal phone. On XX/XX/XXXX LTD mailed a claim to a residence where it was retrieved making claim on the debt. on XX/XX/XXXX a  dispute, request for validation of debt, and a request to cease communications via phone until the debt has been validated, was mailed via certified mail to their offices, which was received on XX/XX/XXXX. on XX/XX/XXXX a voicemail message was recorded from LTD financial services. Still to date, the debt has not been validated, and no further communications have been received via the mail.
Please be advised I have requested validation { not verification } of a medical debt reported to you by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to Equifax, XXXX and XXXX to let them know this debt is in violation of HIPPA but Equifax Or XXXX didnt delete it form my report, while XXXX did delete it..
I have been receiving numerous calls from Midland Credit, they are looking for someone else, not me for over a month. sometimes it is automated and they just ring the phone, I called them back XXXX times and asked them to take off my number, calls keep coming. Today I spoke to a person that said he would remove it from the automated calls and now the manual calls have begun.
I disputed a collections account from XXXX XXXX with Transunion on XX/XX/2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
Pnc bank made it after n during a threatening. Encounter n threat. Vs me by staff telling. Me '' XXXX did '' that hed be canceling. My account n that my accountwould be closed with XXXX more. Report vs the bank. With. The. Cfpb. Now tonight im trying to access the account slash make a purchase. N its being declined i demand investigation. Vs pncbank for retaliation. Plus i made civil rights complaints n this is a retaliatory cutting off of my access to my XXXX. Check ssi n other ssa funds by electronical usages based on XXXX resenting. Me making federal governmental. Reports vs a bank thst broke some statutes codes under banking.
XXXX XXXX called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given XXXX XXXX permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.
Portfolio Recovery has placed an account on my credit history for {$450.00} as of XX/XX/2018. I have asked for some form of signed documentation showing were I have an unpaid account with them but they refuse to provide it. This account has been disputed and it continues to report falsely to my credit report.
About two months ago I received an email that my credit score had changed. I do n't check my credit frequently, since I rarely use credit cards, but I had a check run back in XXXX for approval on an apartment, and it was fine then. So I logged into XXXX XXXX and saw my score had dropped about 100 points, because of a high number of credit cards. There were three cards listed I did not recognize at all, for credit cards that had run up late payments, were terminated by creditor, or were cancelled by user. I believe these cards were opened illegally under my name, without my knowledge or consent. One of the banks was in Delaware - I have never even been to Delaware! I figured this was an identity theft issue, so I contacted XXXX XXXX and received nothing except they could n't do anything about it, as they are not a credit company, just a provider of credit scores. I then tried to contact XXXX and Transunion directly, but they told me my answers to the security questions to access my account were all incorrect. And would n't tell me why, or how. They asked me thing about my past loans - I 've never taken out a loan! Do n't know how my answers could have been wrong. So THEN I looked at the names of the " banks '' who issued these cards, namely, the one in Delaware. I called them directly, and they could not give me any information as to how or why a card could have been issued under my name. They said I had to fax - not email, call or anything else - a claim to a specific number of a specific department, not to their " bank '' itself. Since then I checked to see if the claim I filed with XXXX XXXX  did anything - no. I have received no updates, no results on my claim that I filed, and my credit score is still low for reasons I can not explain.
There was a car loan with Toyota Motor taken out in my name with me listed as the co-signer or joint owner. I did not co-sign nor jointly own a vehicle. I 've only purchased XXXX vehicles in my life a XXXX which was financed through XXXX, a XXXX and a XXXX financed through XXXX. The Toyota apparently was repossessed and resold leaving a balance in which is showing up on my credit. I 've disputed it with the credit bureaus as well as the creditor multiple times XXXX removed it but XXXX and XXXX nor the creditor will not remove it from my credit reports. I never co-signed nor signed a contract for a vehicle from Toyota and want this removed from my credit this is not my purchase. In addition, at the time of the purchase I was n't employed nor did I have any income to pay for a vehicle. Furthermore, I 've never has a repossession in my life, my XXXX was paid off in full with no late payments and I never missed a payment on my XXXX and I 'm still current in my contract with XXXX.
Hello, My husband and I had a mortgage through XXXX ( it was in his name ). After he XXXX XXXX   in XX/XX/XXXX, I took over as the executor of the estate. I purchased insurance through XXXX XXXX for the home in XX/XX/XXXX. However, XXXX purchased extra insurance on the home ( forced-placed insurance ) -- at an extremely high rate of {$11000.00} or so per year. They then increased my escrow and my total payment jumped significantly. We tried to resolve the issue with XXXX, but they have since then sold my mortgage to a debt collector, Bayview Loan Servicing LLC ( who currently hold the mortgage ). 

The loan number at Bayview is XXXX. 

The home address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Their customer service rep advised that if we could provide proof of insurance for the home for the period ( XX/XX/XXXX onwards ), we would receive a full refund for the forced-placed insurance. I have attached the proof of insurance to this email. The proof of insurance lists the my name + the Estate of XXXX XXXX XXXX ( my husband ). It fulfills all of the requirements they have asked for. This has been extremely difficult with Bayview. They have regularly not known Yet now they are refusing to provide the refund, arguing the insurance was not sufficient. Since its a significant amount of money I've been charged, I have been left with no choice but to file this complaint. 

Sincerely, XXXX XXXX
XXXX I signed a modification document, that stated unknown to me that I would be liable for XXXX for the modification. That amount showed up on my loan XX/XX/XXXX, and I was shocked. I did not realize such a thing existed. I feel I was taken advantage of during a time when all others were losing their homes, and I tried to retain mine. As a senior ciziten, I feel horrible that someone would even write such a document to keep someone in their home. Seterus enforced this and I am opposed to it. It is unhuman to do this to another person. Seterus, has received XXXX from Keep Your Home California for me XXXX, XXXX, to be applied to the principal balance, a statement that I asked to see prior to signing but they are not allowed to send until I sign the proposed modification which is fraud. I want to know where did the money go, what is the new principal balance and the documents sent does not clarity that. Why is my payment still so high. My payment prior to reciving the XXXX was XXXX per month. Now, with the XXXX applied my payment are only reduced by XXXX a month. When contacting Keep Your Home California they said it's should be worked out between me and the service but Seterus told me to sign or else.

I fear Seterus as they are not a good company and they do not have clients interest especially elders at hearXXXX. Can you help me!