WillisBack/dataset-financial-user-claim huggingface dataset:
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX  did their part and either updated or deleted where XXXX  has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX  on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX  is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable
This company continues to keep reporting a account to the credit bureau that is not mine it has been removed 3 times and added back to reage the account so they can try to collect for something that was never mine. The account continues to come back verified which there is no way I received a bill from them that had a address that I 've never lived at I contacted XXXX the original owner of this account they told me the account was opened online an was over 7 years old they could n't give me a lot of information or even when the account was originally opened but they said it was n't in there systems I filed a identity theft and this should have stayed removed from my credit I also contact this agency they only gave a bill they never showed proof of signature or anything validating this clam and XXXX no longer owns the account an ca n't give me any information so seeing that the original creditor sold this debt to Diversified Consultants they forfeited their rights to collect any thing from me as well as no one can produce a signature or a address that I 've actually lived at. Also I never agreed or signed a contract with this agency XXXX removed this account from my credit years ago due to me filing this same complaint and sold it to this company.
Experian is reporting an account that does not belong to me from New York Federal Count. I sent a letter ( image is attached ) to the data furnisher that has been returned as undelierable.
I am a victim of identity theft. Several checking accounts have been opened in my name without my knowledge or consent. I have extended fraud alerts on all of my credit profiles but somehow these accounts STILL get opened. 

About two years ago someone broke into my apartment and stole several things, including my social security card, driver 's license, birth certificate and passport. It has been terrible. I filed a police report and FTC identity theft affidavit and have attached both. I also attached ID and letters from other banks that also opened accounts in my name, investigated them and found I was not the person who opened them.

I have my early warning services report and all of the reported information is incorrect. All of the account closures are incorrect because I did not open the accounts. All of the inquiries are incorrect because I didn't apply for the accounts. I have no applied for or opened a checking account in over three years. Anything new information reported within a three year period is not me and is a result of the apartment break in that resulted in identity theft.
On XX/XX/XXXX I received a call from XXXX with XXXX XXXX XXXX offering a Department of Education program that would reduce my payments up to 75 % and possible loan forgiveness. A program which I was pre-approved for the loan repayment reduction.Her advice was to act quickly because the program expired that Friday, XX/XX/XXXX. The call back number XXXX left on my voicemail was XXXX. A number that went to XXXX XXXX at XXXX XXXX. Whom i spoke with on XX/XX/XXXX. Her extension is XXXX.

I gave her my information as requested, including annual income and was provided with a loan repayment offer. The offer included administrative fees of {$1300.00} and monthly payments less than {$100.00} while getting the loan out of default and paying all remaining payments. A term of 10 years, nine months and no mention of recalculating the payment amount if my financial situation changed. As a result of that call an FSA ID had been set without my knowledge or an email address associated with it. Without answers to security questions or an email account associated with my FSA ID I was locked out of my account.

My concerns are as follows.

What if any is the relationship between XXXX XXXX XXXX and XXXX XXXX?

How did XXXX XXXX XXXX obtain my cell phone number which was not part of my personal profile with the Federal Student Loan database?

How was my FSA ID established without an email address associated with it?

The tactic of urgency used by XXXX in her voicemail to respond within 5 days because the pre-approved offer would not be available.

Complaint file with Department of Education, case # XXXX.
In XX/XX/XXXX we received a letter from our mortgage company stating that our mortgage was going up from XXXX to XXXX because of our future tax bills. ( Projected taxes XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX ) I understood why this was happening it was due to a past due water bill that was assessed our taxes last year and we have since paid off. We spoke to the mortgage company last Friday and they said all we would need would be a letter starting our estimated takes for next year. So that is what I got. The person at the town hall said they can not give actual bills for XX/XX/XXXX and XX/XX/XXXX because the do not exists yet and will not exists till XX/XX/XXXX. I called the mortgage company today to see what my new bill would be and they said they can not make any changes because they " can not make changes on estimated amounts '' yet the amount the are charging us is in fact an estimated amount. What can I do. We really ca n't afford this XXXX more a month and the mortgage company does n't seam to want to work with us. Please help
ABC Financial Services Inc. is the billing company hired by XXXX XXXX XXXX XXXX XXXX health club. At the time that membership was agreed to a detailed contract was signed, naming ABC Financial Services as the sole company responsible for enforcing and collecting on amounts agreed to on the contract. I suffered an injury that made me unable to attend the gym and therefore need to cancel the annual contract. Repeated mis communication and increased charges became the trend, the most blatant is a " cancellation fee '' of {$50.00} not detailed anywhere in the contract. When I emailed them a scanned copy of the contract showing no such fee was disclosed, different responses were received including first, see our website for terms ( not referred to anywhere in the contract ), then later, speak to the gym management, of course gym management said to speak to ABC financial services. Fees to which I did not agree to, {$50.00} cancellation fees should not be charged, only what was agreed. This company needs to clearly disclosed in writing.
This is the 4th time that they are having my remittances to the XXXX delayed. I am not sure why they say that they are waiting for an approval while we pay cash for the transaction. The amount is just small but the funds are for emergency allowance so they should keep the promise of having the remittance credited to the receiver 's account. It is now taking days while the promise is within the day. This is a big inconvenience.
I have been trying to work with nationstar and they refuse to help. I do n't like talking to them on the phone because they always change information on me so I 've emailed XXXX times now and gotten nothing in response. They wo n't take any money from me because it 's not the entire amount. I just keep getting the run around. I have faxed my paper work XXXX times and they say they still have n't received it. I 've never recieved a letter saying when the house was up for auction. Im just looking to get a repayment plan so I can switch companies.
In or about  XXXX  2017, I entered a  XXXX  store with my roommate at the time to transfer my account to her as I was moving to a different location. The customer representative assured me that there would be no issues. My roommate was approved. My account was closed and my roommate 's account was activated. I did not receive any notification from   XXXX   at that time or any later date that there was a remaining balance on my account that closed.
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In or about  XXXX  2017, for the first time I received a notification from Diversified Consultants, Inc. ( a debt collection agency ) that a balance of {$260.00} remained on the closed   XXXX   account. This included a cancellation fee which the customer service agent in the  XXXX  store assured would not be applied because we were simply transferring the account to my roommate.
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On or about  XXXX   XXXX , 2017, I opened a new account with  XXXX .  XXXX  told me that they could not install my account until the " balance '' from the previous account was paid off in full. I paid that account directly with   XXXX   and the  XXXX  representative advised me that they would inform Diversified Consultants, Inc. of the account being paid in full.
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On  XXXX   XXXX , 2017, my credit report still showed that I owed a balance. I filed a dispute with   XXXX   on that date. The dispute was denied on  XXXX   XXXX , 2017. On that date, I called Diversified Consultants, Inc. who stated that my account showed paid in full. They claimed to have reported the paid in full status to the credit bureaus. When I called the bureaus, however, they stated that as of  XXXX   XXXX , 2017 the last information they received from Diversified Consultants, Inc. showed I still owed a balance.
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I am incredibly frustrated by this process as this was a lousy utility bill and a miscommunication from  XXXX , which is now resulting in a   XXXX    point drop in my credit score. I am also in the process of attempting to refinance my student loans and am being automatically denied because of the derogatory remark. This is unfair business practices by  XXXX .
On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX SC borrowed money from XXXX XXXX XXXX, XXXX SC. Payments were not made and the account was sold to Midland Funding LLC. Midland Funding is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.
I had a {$30.00} dollar failure to appear bench warrant issued in XXXX. I did not pay the fee, it was sent to Integral Recoveries. It is currently {$45.00}. This XXXX particular fee is stopping me from obtaining my driver 's license. I called the agency and tried numerous times to pay these fees. Each time that I call I am told that I owe fees from a XXXX case. I was told that I can not pay the {$45.00} fee until I set up a payment arrangement for the XXXX case. The fees associated with the XXXX case are approximately {$2000.00}. I have been fighting this company ( same person every time I call ), for months now. I ca n't find any serious job prospect 's without my license. Please help! Thank you for your time!
Equifax does not find my file. I put my information several times, I called them 3 times, they don't look at my case. I typed my XXXX ( XXXX ) in te regiser form and even so they can't find my file.
We have been trying to do a short sale for about XXXX years now. The first bank was taking forever and would not help us at all. Then our loan was transferred to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint got the loan about XXXX days after that and was unable to have my real estate agent or short sale negotiator get any information about it. They called XXXX times a week to find out what was going on and Shellpoint only said EVERY SINGLE phone call that they 're waiting for my file to be in their system. It was n't until XX/XX/XXXX that they were finally told the file is in their system and to send in the short sale application. However, they said the auction date was XXXX/XXXX/XXXX. This was unacceptable. We 'd been jerked around by Shellpoint so many times with so many phone calls to them. My short sale negotiator submitted my short sale application on XX/XX/XXXX because that was the deadline to submit for the short sale to get started. They then said they 'd know on XX/XX/XXXX if my auction would be postponed. On XX/XX/XXXX, my short sale negotiator confirmed Shellpoint received my short sale application. On XX/XX/XXXX, my short sale negotiator asked if the auction date was postponed. Shellpoint said they wo n't know until XX/XX/XXXX My frustration went beyond maximum frustration when they told us that. Basically, they really are trying to make us fail. What sounds fishy is that they 'd asked my short sale negotiator to submit my application to another short sale group at the bank. This is not right. It 's as if they 're intentionally trying to have my short sale fail or they 've never done a short sale before.
I contacted the credit bureau to let them know that my credit had been ran without my knowledge or permission. I was told to contact each company to dispute these actions. I did that with no response or action.
USAA closed my account because it was overdrawn according to their members handbook I had 41 days to get it current. Firstly the reason that it was overdrawn is that a disputed item was returned per USAA and no letter was sent and I have not received one as of yet. The account was overdrawn when the disputed item was returned when I called on XXXX XXXX we discovered that the 1st returned item that was disputed should not have been taken back out of the account and that the dispute was found in my favor. When the 2nd disputed item came through on XXXX XXXX this should have been the original date that the account went negative. USAA representative acknowledged this and escalated to get the 1st disputed item returned to the account. They agreed that it was their issue as to why the account was negative and had they not messed up the account would have not been negative until the other item came through on the XXXX. The account was closed and we have asked the account to be reopened as it was their fault in the first place and they agree that given the new dates the account should not have been closed on the XXXX as it was only 21 days past the correct overdraft day of the XXXX. We have waited for this to happen and it still has not happened. They closed this account per them against the members policy and have done nothing to reopen the account.
I set up a automatic payment with west lake financial for XXXX/XXXX/16, for some reason my bank had a block on payment to this company, so when i saw that the payment was return by west lake i called them up and paid over the phone, i was given a confirmation number and was told my next payment was due on XXXX/XXXX/2016, however i have been receiving phone calls a couple times a day via a automatic dialer, and they say i am late on my payment. i then explain the situation and give them the confirmation number they then say they will notated the problem and i should not get another phone call, but i get another phone call saying i have not paid
I received a new credit card from capital one. I went to set up the online account so that I could see transactions often and pay the bill, however, their system would not let me set the account up. I kept getting capital one error messages saying there was a problem with their site and to try again later. I called them to fix the problem. They said that my SSN was attached to an old car loan that was paid off and because of that it was pulling my old username to use, but I couldn't use that username with a credit card since it was associated with a car loan. They told me they would fix it and it would take 72 hours to take affect online. Fast forward to XXXX, I had used the card several times for a rental car and gas purchases, and I knew the bill was likely coming due even though I had not received any statements via email or regular mail, so I went online to log onto my account to pay the bill and experienced the same issue as before with the error message. I then called capital one again. That was XX/XX/XXXX. They told me they'd look into it and call me when it was fixed. They also told me it looked like some fraudulent activity had been seen on my card. One purchase for {$1000.00} to XXXX XXXX. I never used the card at XXXX XXXX, so I confirmed that this was fraudulent activity. They then canceled the card and issued me a new one. Two weeks later, I still had not received a call about them fixing the online access to pay the bill, a statement in the mail, or the new card, so I called them again. I went through the same song and dance as my earlier XXXX call. I even got disconnected and no one called me back. I then called the next day. The same thing happened. I then called on XX/XX/XXXX infuriated because they were doing nothing to correct the situation and were not allowing me to see my statement to further investigate any fraud that we know indeed did happen. They told me they would escalate the situation higher and they call me when it wasn't fixed. The next day, today, I found out that my new card was not working. I called them to ask why. They said it's because my balance was five days past due. I lost it. I have been trying to lay this bill since the first week of XXXX, but they refuse to send me a statement or allow me online access to look at my statement. With fraudulent activity being on the account, I want to view the statement before anything gets paid. I feel that I have the right to see the statement. I believe that it may even be a federal law. Instead, capital one is stalling so that interest and fees build up first before they allow me to see the statement and pay the bill. This is downright wrong and unethical. Please do something!
This company has contacted me several times to collect on 2 accounts that are listed on my credit report as derogatory items. 
They have indicated that the original creditor is listed as XXXX XXXX and that they have purchased these accounts. 
I have requested Verification of the original debt, as I do not believe that these are my accounts, as I currently have 2 XXXX XXXX Credit Cards That Are In good standing. 
They have sent me a letter verifying that these accounts were purchased from XXXX XXXX, and that they have the right to collect them. 
To this date, I have NOT Received verification that the original debt purchased belongs to me. 
They continue to call, even though I have asked them not to contact me again without verification of the original debt
Visited XXXX today and noticed a collection from Midwest Recovery Systems for {$770.00} representing the original creditor XXXX XXXX XXXX ( out of business per BBB ). This is obviously not my debt, when looking up the Payday Loan company that they say I got this loan through, all comments and reviews are it being a scam Payday loan company using threats to get money for unproven loans. I will be contacting all XXXX credit bureaus, the CFPB, FTC, and reporting this to the local police. Of course no letter in the mail either.
XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX LLC XXXX XXXX Summit XXXX XXXX XXXX # XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from XXXX in or about 2011, advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX XXXX, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used XXXX 's credit card. I ask that I be reimbursed the monies taken from my account.
On XX/XX/2019 two charges one for XXXX and one for XXXX were charged to my card from card.com as soon as I seen the charges I called and asked for a stop payment on both I was told they could not do this and I filed a dispute of charges and was told they would mail a dispute form to my house which never came. On XX/XX/2019 I called card. Com to check on the status of the dispute the customer service person I talked to was unhelpful and would not listen to what i was saying about them not mailing my dispute form in which I was told I probably would never get my money back. This is the 3rd time there have been fraudulent charges made on my card with this company. I am only asking for the money which was taken off my card illegally without my permission to be returned and they are refusing to do that or talk to a supervisor so that I can resolve the matter.
My husband is in the XXXX and recently found out that due to military cutbacks, he will lose his job this summer. Knowing this, we contacted XXXX ( XX/XX/XXXX ) to let them know we would n't be able to purchase their home. The VP of XXXX said we were under contract and since he had a job now, we had to purchase the home. I explained to him ... as per our purchase agreement, I had to proceed with good faith and let NVR Mortgage know that our financial situation had changed. He said I did n't have to let the lender know because my husband was currently employed and that I had to close on the home. But I had a legal responsibility to let the lender know as well as a financial responsibility to our family not to incur a mortgage debt knowing we had no means to pay for it. I contacted NVR Mortgage to let them know of the situation. The NVR Senior Processor asked for a letter from my husband 's place of employment that verified his last day of work ( XX/XX/XXXX ). I provided this letter to her via email attachment on XX/XX/XXXX. Since then, neither the NVR Senior Processor nor anyone at XXXX has returned our phone calls or emails. I called other mortgage companies to make sure we were following the correct procedures. We were told that based on my husband 's employment ending this summer, we would not qualify for a loan and the lender should have provided us with a denial letter. The denial letter would then go to the builder so we could get our deposit back. We are so heartbroken over this situation. The military cutbacks are a hard reality to deal with alone. But now this lender is ignoring us because they work for the builder. Your help would be greatly appreciated. What can we do?