WillisBack/dataset-financial-user-claim huggingface dataset:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX  : XXXX XXXX : XXXX, XXXX XXXX. Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXXXXXXEquifax : XXXX XXXX  : XXXX, XXXX Equifax : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX, XXXX XXXX XXXX, US DEP ED Equifax : XXXX XXXX : XXXX, US DEP ED Equifax : XXXX XXXX : XXXX.
Received email alert from XXXX XXXX of a collection on my credit record on XX/XX/XXXX. Filed Request for Credit Report with XXXX XXXX and XXXX credit reporting agencies. Reviewed all 3 credit report agency reports and found the following discrepancies : 1. Collection of {$370.00} were reported on XX/XX/XXXX with XXXX, XXXX and XXXX 2. XXXX and XXXX also report an incorrect past contact or address Disputes were filed online with XXXX  XXXX and XXXX An EOB from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$370.00} was received by me that stated Amount You May Owe Provider : {$0.00} soon after the date of service. No other communications of any kind from any person or organization were received by me nor my husband regarding this visit at any time until I received the email from XXXX XXXX mentioned above on XX/XX/XXXX. As a further note, it should be known that I am the Step-mom and have carried the minor on my policy with XXXX XXXX XXXX XXXX since XX/XX/XXXX as he was a minor child and other medical insurances were either unavailable or unaffordable and they continue to be. XXXX has removed the collection from my XXXX credit report. XXXX and XXXX will not remove this derogatory mark even though I was never informed of any debt what-so-ever. XXXX and XXXX state this collection will reside on my report for the next 7 to 10 years. PERSONAL STATEMENT : I have been successful in paying all my bills, on time, always. My credit WAS excellent, and Im not fussing over a {$370.00} bill. I WANT TO KNOW How can someone out of the blue just throw something on your credit report without even making an attempt to contact you? Is this legal? As of this time and date ( XXXX ADT, XX/XX/XXXX ) no person has contacted me, by any form of communication, regarding the debt I mentioned above. I feel it is unfair and should be unlawful that any person or organization should have the ability to file negative or incorrect information against anyone 's credit report without first providing them the information and/or opportunity to review/dispute/settle under normal circumstances regardless of whether they owe the debt or not.
This is my second complaint to Wells Fargo denying my modification. On XX/XX/XXXX Wells Fargo gave a response that said : thank you for the opportunity to address the concerns about request for a loan modification and the authorization. We've carefully researched this matter and are providing a response. Here are important account details we'd like you to know. At this time, there is a bankruptcy stay on the account with a five year plan. Once the stay is lifted, then the account can be reviewed to rescind the foreclosure sale. Until this is completed, we are unable to move forward with any request for payment assistance. The account is due for the XX/XX/XXXX, through XX/XX/XXXX, payments. A foreclosure sale was held on XX/XX/XXXX. Foreclosure has been suspended due to the active bankruptcy. I'm glad we spoke with the bankruptcy attorney XXXX XXXX about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 
My response to this is : how could a foreclosure sale have been conducted if the property in question was in bankruptcy, ( information from HUD ). But Wells Fargo continue 's to tell the agency that were working for the homeowner ( XXXX XXXX XXXX ), that the property has been sold, ( in a phone call to Wells Fargo as well as an email sent XX/XX/XXXX ). See attached ). 
According to HUD I can apply for a modification even while in bankruptcy. 
In a conversation with my attorney, XXXX XXXX, wells Fargo said that they would send modification documents to his office, ( this has not happened as of yet ). See attached. 
I feel that I am being treated unjustly and would like to know what this company plans to do about it. 
Thank you, XXXX XXXX
On XXXX XXXX, I received a letter from Lendmark Financial stating that they had recently bought out XXXX who I originally took my loan out with. The letter stated that effective XXXX XXXX, my direct pay would be cancelled. All subsequent payments could be made online or by setting up direct pay with Lendmark. On XXXX XXXX, I spoke with the branch manager, who took my payment over the phone. She stated that she would send me forms to complete the XXXX XXXX enrollment process. I received the forms but have not signed and returned them to the branch. On XXXX XXXX, my account was debited for the monthly payment of {$240.00}. Given that Lendmark 's letter and website state that my direct pay was cancelled beginning XXXX XXXX, I was not expecting to have my bank account debited and was actually going to mail in my payment from another bank account that I wanted to use. On XXXX XXXX, I received a letter from Lendmark confirming my authorization for an electronic debit that was done on XXXX XXXX at XXXX which subsequently posted to my bank account in XXXX XXXX. I did not authorize that payment. I also called the XXXX branch and spoke to a rep who told me that because I previously had XXXX XXXX set up with XXXX, that they have a right to debit my account. I explained to her what the letter from Lendmark stated and what is listed on the website regarding the direct pay cancellation. She advised me that regardless of what the letter or website states my bank account can be debited. I again advised the rep that they do not have my signature authorizing the new direct pay enrollment. This unauthorized debit, cost me {$70.00} in overdraft fees. I have since mailed a letter to the XXXX, VA branch and the corporate headquarters revoking their right to debit my bank account.
Citibank checking account closure XX/XX/XXXX... ... ....

In late XX/XX/XXXX I went to Citibank at XXXX XXXX XXXX  in XXXX XXXX, California and put my Citibank checking account of almost 20 years into my revocable trust. All went smoothly. I had had this account through XXXX since XX/XX/XXXX when Citibank acquired XXXX inXX/XX/XXXX. The account # was changed at that time to account ending in XXXX. In early XX/XX/XXXX, I received a letter dated XX/XX/XXXX saying that Citibank would be closing my checking account onXX/XX/XXXX. I immediately called Citibank Customer Service and was told that because I had not answered their previous letter I was told that the closing process had already started and I had no recourse and the account would be closed onXX/XX/XXXX. I told them I had not received a previous letter. They suggested I call the branch.

Throughout XX/XX/XXXX I called the branch a few times. I called the branch in the next couple days after receiving the XX/XX/XXXX letter and talked with a branch employee who said she would look into the issue and would get back to me. No one got back to me so I called again a few days later, now the second week of XX/XX/XXXX. I talked with XXXX XXXX  on that call and she said she would look into it again, that I shouldn't worry because she was quite sure they would not close the account. Ms. XXXX told me she would get back to me. No one got back to me. I called again on XX/XX/XXXXand talked again with XXXX XXXX who told me she would send me something overnight to sign but I told her I was traveling again over the Holiday. She said that she would send me something by email, something that I could send in electronically from my email while traveling. I received nothing. She told me she would be away starting the following Monday but that I shouldn't worry.

During the first week of XX/XX/XXXXI received a letter dated XX/XX/XXXX saying the account had been closed and included a check for the balance in my account. I called the bank on Monday,XX/XX/XXXX or Tuesday, XX/XX/XXXX and talked with XXXX  who seemed to know that people with trust accounts were having their accounts closed because " Citibank did not have the resources to administer these trusts ''. He said he would look into the issue and call me back. He did not call me back. On Monday, XX/XX/XXXX I called and XXXX XXXX   answered the call and she was confused about what she had told me but finally said that those she had checked with had told her the account would not be closed and that I had fulfilled all information needed ( which must have been done in XX/XX/XXXX when I first opened the account because I never gave any additional information ). Ms. XXXX  seemed annoyed that I could not be pleased by her offer to try to make me happy now that the account was closed.

I have never bounced a check for the 30 years that I have had this account. I have had to change automatic deposits and payments. I have moved my money to a credit union checking account. Is this the way a bank should treat a customer after having a continuous account with no problems for 30 years?
Sometime last year I went into a XXXX XXXX  store in XXXX, CA to make a purchase. I was a long time XXXX XXXX  cardholder and was planning on using my XXXX XXXX card to make my purchase. The associate at the register told me that if I would apply to upgrade my current XXXX XXXX  credit account I would qualify for an extra discount. I told her I was not interested in opening another account or having my credit pulled. She explained I was only upgrading my current account to a XXXX XXXX XXXX XXXX and not opening a new account. I continued to decline and the associate continued to pressure me to accept after much back and forth I reluctantly agreed so I could purchase my items and leave the store. In order to keep my account current I decided to go online and setup auto-pay so that I would never miss a payment or become late because I know credit card companies love to charge consumers hefty late fees. Recently I became aware that my XXXX XXXX account was past due despite the fact that I was enrolled in Auto-pay. I was shocked and angry as I had recently received an email from XXXX XXXX stating my account was enrolled in Auto-pay but no payment was due at the time. After calling XXXX XXXX I discovered that I had two different accounts and Auto-pay had been setup on one of the accounts. It turns out that the associate lied and deceived me into opening an additional credit account with XXXX XXXX. The emails being sent from XXXX XXXX gave me a false sense that my account was indeed current and I had nothing to worry about. The fact that XXXX XXXX trains their associates to lie and deceive customers to open credit accounts without their knowledge is criminal. I asked XXXX XXXX to remove the negative marks from my credit because of the confusion and they denied my request. I called back several times to speak to a supervisor and was hung up on or transferred to XXXX. XXXX XXXX needs to take responsibility for there criminal actions.
I received XXXX calls in a 4 hour period on XXXX/XXXX/15 from Discover Card. I am ill and was sleeping. The fact that this averages a call an hour makes this harassment. Especially considering I have told them in the past of my intent to declare bankruptcy. The calls came in at the following times:XXXX XXXX XXXX CST12XXXX CSTI was left XXXX voicemails ; this includes a full voicemail of someone typing which I believe was left just to harass, and the second the person just states her name and then pauses for a good amount of time before hanging up. 

They know what they are doing is wrong and they still continue.
After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to XXXX/Experian/XXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.
I went onto   XXXX   XXXX   on  XXXX / XXXX /2017 and saw a debt for Medical Revenue Services. I got the phone number and called to figure out what the bills were. I wanted an itemized bill. I spoke with   XXXX    who is a representative of Medical Revenue Service. She was very rude. When I asked for an itemized bill she said that they had sent the itemized bill on 3 separate occasions and that she would not send anymore bills with out a payment arrangement. She also proceeded to tell me that I owed them more money than what they were reporting to the credit bureaus. I owed them a total of {$4800.00} she said the amount included the {$1400.00} and the {$2200.00} that are already on my credit report and the amounts of {$650.00} and {$520.00} that they are not report at the moment and I had no knowledge of nor will they give me proof of the debt. If I setup a payment arrangement today they wont report the other amounts. After some thinking and the fear of new stuff popping up on my credit report I setup a one time settlement. I still wanted a copy of my bills to prove that I owed the debt. She also told me that we would have to wait to get approval from the hospital for the settlement and that would give me a 25 % savings and the lady representing the hospital had gone on vacation and would be later that day or the next day.
After speaking to a friend and doing research the next day I called to speak with   XXXX   's supervisor. I was transferred to  XXXX  the supervisor. I told   XXXX   about my conversation with  XXXX  and how I was requesting an itemized copy of the bills and how she setup the payment arrangement with threats of placing the other items on my credit report. He got mad and told me he would terminate the payment arrangement. I told him I wanted to know what I was being charged for. I said I will pay my debt but I do n't even know what its for. He told me on 3 separate occasions they mailed out the bills I explained that I never received them.
Later that day I called to confirm the arrangement amount. I then called   XXXX    back and told him I am canceling the arrangement and would like the itemized bills sent to me. He got verbally abusive and told me I did n't want to pay my debt and that he will not send me any bills and be would send my debt to the State of South Carolina and they can send me the itemized bill and that he would start to report the other debts. Also he did want me to call back.
I just want a copy of the itemized bills to know what i am paying for. My request for it to be sent certified so we can both make sure I get it was denied because he said under the law they do not have to.
Since XX/XX/XXXX, I have made a payment every single month. I have spoken with a representative and they advised me to call in the next month to make another payment as a payment plan was not available. Even though that is the conditions they set with me, they call and harass me and my family every single month. Last night, they ( a guy named XXXX ) left a message at my work that everyone heard. This is ridiculous and needs to stop. I don't have a lot of money, but I make payments every month. This kind of harassment should be illegal and make me beyond angry. I will try find another option this year for my student loan repayment. This company crushes your soul and isn't satisfied until you're destitute, and your family has nothing. I am convinced they would take the clothes off your back if given the chance. Stop the harassment.
reporting a debt that may or may not be mine to the CRA 's which is past the SC statue of limitations.
I do n't know where this XXXX bill came from.! I 'm trying to fix my credit!!
This is not an account that is owned by me and I did not authorize anyone to open this account in my name. There where no other options that fit my dispute so I choice any option to progress.

I am a recovering victim of ID Theft which arose from a stolen wallet in XX/XX/XXXX and I have kept a vigilant eye on my credit so in XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts.

On XX/XX/XXXX using the address and account numbers reported on my credit report I wrote my first letter to XXXX XXXX XXXX XXXX account number XXXX for the amount of {$710.00} and XXXX XXXX XXXX account number XXXX for the amount of {$400.00} and did not receive a repsonse from this company.

On XX/XX/XXXX I wrote a second set letter this time mailing it by USPS certified mail and informed them again that the account was unknown to me and that I requested full validation including signed contracts and Identifiation used to qualify this customer. Please see the attached letters and proof of mail by certified delivery.

Again I received no resonse therefore for the THIRD time I wrote to XXXX XXXX  about these ( 2 ) unknown accounts reporting on my credit and again I received no response.

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account my request was and still is for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay.

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately.

It is ridiculous that it is now over 12 months 1 year and 8 months to be exact for future reference since my initial request for validation in XX/XX/XXXXwhich is now well over the 30-45 day time frame as per law and this collection company is out of compliance.

Under advise, I wish to informed XXXX XXXX   that I am prepared to take steps to file a small claim case on both accounts in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
I took out lease XXXX of XXXX I immediately setup a monthly recurring payment with my bank XXXX. every month on the XXXX XXXX sends payments to XXXX XXXX XXXX. XX/XX/XXXX XXXX had a glitch in their system and did not send payment to American Honda. I contacted XXXX and they don't have an explanation why payment was not made. I provided proof to all credit bureaus showing I had the funds available, proof that I had a monthly recurring payment setup, showed them I still had XXXX more payments scheduled and credit bureaus will not remove late payment posted on my credit reports.
I looked up my credit and I have lots of auto loan places that checked my credit without my permission I never once talked to them or even seen them in person to give them permission for anything. The only place that I have a loan with is XXXX XXXX  and that should and would be the only place I would have on my credit.
Penfed acting as servicer of a XXXX mortgage refuses to cooperate with making the mortgage affordable contravening XXXX mission to prevent foreclosure. After a lengthy illness, lost of business, and divorce my income was seriously impacted. I asked PenFed to reduce the interest rate to make the property permanently affordable. A modification is a one-time event, I wanted to make sure I received XXXX that I could afford moving forward. PenFed continued an aggressive pattern of collection activity and refused payments unless it represented the entire arrears. PedFed misled me with respect to XXXX, I thought PenFed owned the loan, but it is XXXX. They continued a pattern of deception stating XXXX refused any action other than foreclosure and full payment. They offered what they considered a modification which was same terms as the mortgage note and payment, but basically charging the arrears back into the account. However, with the same mortgage payment and interest rate, I could be back into losing the property - so I request an modification that included the reduction of the interest rate to 4 % from the 5.12 %. The national standard at the time was 3.25 % - 3.75 %. PenFed I believe feels it is more profitable to keep the higher rate to the detriment of affordability. I can maintain my home if they would offer that. Instead they are auctioning my home with a balance of {$99000.00} left on the note. How does that make sense? The work contacted by the Massachusetts Division of Banking requesting they work with me a little longer, they refused. They told Massachusetts and me that XXXX never got back to them. After speaking with XXXX, they said the servicer can make the decision to halt and work with me. PenFed again refused. Please help.
I called a collection company that was reporting on my credit reports in good faith to make payment arrangements. We had agreed on an amount and then she emailed me the confirmation that was XXXX more then agreed. When i refused to pay that amount she became hostile with me and threatened to take me to court and threatened me i would pay 21 % daily interest plus an additional XXXX dollars if i didn't agree to the new total.
I disputed XXXX errors on my credit report. I waited for 30 day and Transunion sent me a letter stating they could not find my report ( this is enclosed ). I pay for credit monitoring from Transunion ( this is also enclosed ). I have been a customer since XXXX 2016 ( this is enclosed ). Therefore, Transunion has my credit report otherwise how would I know what is on it? I asked for 5 items to be disputed and since they failed they need to delete them immediately per the FCRA. I am not asking for another dispute. 
The items were : XXXX {$140.00} XXXX XXXX {$1000.00} XXXX {$1000.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$14000.00}
This company Contacted me by letter on XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XXXX and told them that this was not mine. This company also called me today on XXXX/XXXX/XXXX. And also they have called me several times before way after the hours of XXXX at night. This is so wrong on so many levels. They demand every single time {$3200.00} and use some very disturbing language with me.