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. XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX Transunon ), XXXX Acct XXXX ( XXXX, XXXX Transunion ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX  transunion ), XXXX XXXX XXXX XXXX Acct XXXX ( XXXX  ).
Experian 'snail mail ' address disappeared from the report. I called to dictate a valid " physical '' address to replace the fault. They entered it incorrectly. They refuse to correct it because it is international. BUT THEY ENTERED IT BY TELEPHONE WITH 2 TYPOS. 
THEY insisted that I send documentation by snail mail for the change. I did - exceeding their requirements. 

My 'snail mail ' forwarding address, previously on file " disappeared '' - should re-enter. 
XXXX XXXX " XXXX '' XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX My " physical international address '' which was entered with typos.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX they entered " XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX., XXXX Misspelling XXXX, and IDing XXXX as my state. 

further XXXX is an invalid tel invented by them. 

Further, by slip of the tongue, their operative told me that, 1 ) because I live in another country, and 2 ) because it has its own reporting system, they have no authority to report on me. Only historic data could be maintained. 

It has been 6 months. they are in violation. their report number is XXXX
I had money sent to me from a friend. Paypal wouldn't let me withdraw it. Their reps told me to transfer it to another account I had and so I did a partial of it then they put a hold on that account as well then I transferred money to my dads account and they put a hold on that account. They told me they closed my account an I would have to wait 6 months in order for me to get the money. 

On XX/XX/2018, I was sent a total of {$11000.00} into XXXX account. I then was unable to withdraw funds they had me send in Photo ID, took my social security number as well as a utility bill. I was told to send money to my other account which I did and was able to only withdraw {$200.00}. There was also a past due account with Paypal for {$520.00} which I paid with these funds. Currently There is {$900.00} in XXXX account, there is {$5000.00} in XXXX account which is my dads account I tried to request the money back but paypal denied the request and wouldn't let my dad send the money back to me either, I also have {$5000.00} in XXXX account. 

So Paypal is holding {$10000.00} that belongs to me. The person that sent me the money called paypal and was advised they couldn't do anything to help release the money even though the money was already in their paypal account.
A charge for the amount of {$690.00} appeared on my credit card statement on XX/XX/XXXX from XXXX XXXX. I have purchased a ticket from XXXX XXXX that day but the charge should have been {$340.00}. I called XXXX XXXX multiple times and I spoke with agents at the airport and XXXX XXXX insisted that they charged the right amount of {$340.00}. I filed a dispute with citibank ( the card issuer ) and provided all documentation. The bank inquired with XXXX XXXX and the airlines provided documentation showing the fee is {$340.00}. The bank is refusing the credit my account for the difference. They are asking that I resend the document that I already provided and they acknowledged that they received them. If somebody from citibank simply reads the documentation I provided and the documentation that was provided by XXXX XXXX they will see that the amount should be {$340.00} and not {$690.00}. CitiBank has all the documents that I attached to this dispute.
In late XX/XX/2018 I received a letter from Wells Fargo Bank dated XX/XX/2018 stating my mortgage had been transferred to XXXX XXXX & XXXX XXXX XXXX effective XX/XX/2018. It stated my servicer would be XXXX XXXX   XXXX, XXXX. ( Copy Attached ). On XX/XX/2018 I received another letter from Wells Fargo Bank stating XXXX XXXX XXXX XXXX would be servicing my mortgage loan. ( Copy Attached ) Meanwhile I made my XXXX and XXXX payments to Wells Fargo Bank. I have received a statement from Wells Fargo Bank for my XXXX payment. ( Copy Attached ) I have not received any letters or documentation from XXXX XXXX & XXXX XXXX XXXX or from XXXX XXXX XXXX XXXX about this matter. 

I wasn't notified 15 days before the transfer of my mortgage and it seems to me that further notifications I should have received never took place. Please help me with this because I do not want my mortgage payments or home jeopardized. 

Thank you, XXXX XXXX
XXXX has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. XXXX deliberation audio evidence is available for review and verification.
I have disputed the late payment status reported on the accountXXXX XXXX XXXX XXXX and XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im in the process of getting a new car
In applying for a mortgage thru XXXX XXXX XXXX XXXX who uses XXXX XXXX XXXX since XXXX - XX/XX/2018 my credit report was pulled multiple times by the Broker and again pulled by XXXX for the same transaction causing hard inquiries on my credit files, which translated into negative information and fall in my overall scores. Between both entities they pulled my credit about eight ( 8 ) times. It could have been done differently to denote that it was ongoing transaction NOT separate and distinct.
I have been calling and corresponding with this company for more than six months to complain that they have incorrectly charged me late charges and accumulated interest charges. On at least four occasions their employees have assured me the charges would be credited or voided, reducing that balance owing to XXXX. Nevertheless, they keep sending me statements showing that charges continue to accumulate. A copy of the latest billing statement dated XX/XX/18 is attached as is a copy of my last written communication dated 6/29/18 as well as my letter of XX/XX/18.

My last call to Citi was on XX/XX/18. The employee I spoke with said her name was XXXX, her " employee number '' was XXXX and she worked in the Escalation and Forbearance Dept. She again assured me the account balance would be reduced to XXXX  and that no more bills or collection calls would be made. Obviously that was a misrepresentation as they are continuing to bill me.
I received an alert on my credit report XXXX/XXXX/2016 that Central Financial control placed on account on my credit report. However I have no received any information regarding this alleged debt. I 'm not sure what it is even for. The collection did not follow the proper procedures for the FRCA regarding notification before placing the item on the credit report. Texas Attorney general will also be notified in this matter.
I have XXXX open credit cards with Capital One. They have been open for about 10 years. I have never had a late payment on either. I have been receiving annual fees on both of these cards. I decided to call Capital One to see if they could remove the Annual Fees. They refused. I then asked if I could at least combine the XXXX accounts into XXXX, and therefore only receive XXXX annual fee. They refused that as well. I asked if the only alternative they were giving me was to close the accounts and take a hit to my credit score, they confirmed that it was my choice. I have a credit score of XXXX ; I am a very responsible consumer. This is a good example of a very unfair and deceptive practice.
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXX XXXX received a payment of {$62.00}. I called XXXX XXXX  on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, Transunion and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.
My husband and I purchased a home XX/XX/XXXX. We made payments until we experienced financial hardship. We contacted the bank and sought a modification. The bank gave us a trial modification requiring that we make three payments in the amount of approximately {$2000.00}. We felt that this amount was a take it or leave it agreement and was setting us up for failure. This amount was more than we could afford, nevertheless, we made two payments under the trial modification. However, before the third payment, my husband passed in XX/XX/XXXX. I then sought to may arrangements with the bank, based on his death and further change in my financial circumstances. Despite my efforts the bank refuses to work with me. They will not talk to me. Instead, they filed a foreclosure case against me on XX/XX/XXXX in the XXXX county courts. I am XXXX years old. I am on a fixed income, and do not want to lose my home. Now it seems like they have transferred my loan to XXXX XXXX XXXX. Please help
Wells Fargo signed off on the CA title and sent to XXXX XXXX XXXX who then sold the car for storage fees in NV ... they are now trying to say the co signer is in default because I stopped paying insurance and payment as of XX/XX/2017 when I finally found out what happend to the car that I have been trying to locate. The police said it was a civil matter. I am still currently waiting for CA DMV to send documents as to how this was acomplished. I still owe XXXX and the towing company will not release information to me but told me that wells fargo signed off and sent them the title and wanted to know why the bank has not contacted them. I will pay the loan if it is found to be my fault but so far the Wells fargo agent from the executive office is not responding to faxes, calls or letters but procceding with default on the co signer. The mail box is always full and you can not leave a message. Faxes and letters go unanswered. There own title dept said the messed up!
I made arrangments to settle a debt with a third party which is XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. After I told them I would need them to validate the debt and sent documentation from the previous creditor they sent me an email with my name social and the name of the previous creditory. I told them I would need documentation fromt he previous creditor showing the amount that they are telling me I owe. XXXX XXXX who is with XXXX XXXX said they do not need to do that and they will be contacting my job even though I told them I am not allowed calls at work. He said they are not a debt collection company ( which is a lie ) and he is still going to call my employer. I have all of this recorded.
Today, XX/XX/2019, I tried to call my bank ( Bank of America ) to request they give a new card because I stupidly made the mistake of sharing my information with a guy so he can deposit money. I called the bank at least 7 times and they only picked up twice. I am XXXX years old and open the account with an adult after I recieved my first card a app charged me multiple times so the bank send a new one, the second time was for the same reason. I literally just got this card and I put XXXX dollars in it because my account had been below XXXX because I'm out of a job. So those could be the reasons but they wouldn't tell me. Now I previously said I shared my information so someone I know can make a deposit but was smart and sent my XXXX $ to my friend just in case this person was a scam. When I realized that said person was causing me trouble that's when I called and found out my account was close. Which sucks because Bank Of America is my favorite bank and i wanted to be with them forever. I want to reopen my account and change my information so this person doesnt have access to it but I cant do that unless the bank reopens my account.
Nationstar Mortgage has not filed a release on a mortgage. I have tried to call several times to be told it is done ( county has confirmed it has not been done ), I have been hung up on and refused to be transferred to a manager. The loan was paid off in XXXX and is now out of compliance with the release guidelines.
I've been mailing letters to the credit bureau for the last 8 months about these student loans on my report. I have never attended a college with student loans. I have been incarcerated for some time. I am now trying to get my life back together by getting my credit up to standard, but I can't because these fraudulent student loans is on my report. 
It has been taken off XXXX, and XXXX, but some reason Equifax is staying. I need to know what to do from here.
Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did receive an email from a XXXX XXXX whom Ive been unable to reach by phone, he requested a phone conversation. He was advised I could pay XXXX by end of month, however, he was unable to comply with lowering payment amount. Again, the account is past due and over limit, there are additional late and over limit fees added on. I checked the account today, XX/XX/XXXX, it still shows XXXX due. Please do not mark this as duplicate, additional information is enclosed. The account in question ends in XXXX
On XXXX XXXX XXXX, my wife received a letter in the mail from Citibank. The letter was addressed to my wife 's " estate '' and referred to her as " the decedent. '' The letter included a check for {$7.00} as " a refund ... for certain fees previously billed to the decedent 's account for a debt protection program. '' My wife is not deceased. She is in very good health. Moreover, my wife does not have, nor has she ever had, a credit card or any other account with Citibank. My mother, with whom my wife and I share a mailing address, does have a Citibank card. I have a card in my own name on the same account as my mother. However, the account number stated on the letter does not match the number of the account I share with my mother.

My wife and I are concerned that one of three possibilities may be true : Either that ( 1 ) this letter may be part of an illegal effort by a third party to defraud my wife, or that ( 2 ) this letter may be  evidence of identity theft wherein another party has opened a Citibank account in my wife 's name, or that ( 3 ) this letter may be evidence of illegal activity on the part of Citibank wherein Citibank has opened an account in my wife 's name without her knowledge. 

My wife has asked me to help her by contacting appropriate government authorities on her behalf. I consider myself to be a party to this incident because any financial liability incurred by my wife affects our family as a whole.
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents
the assignment of mortgage from XXXX financial services in XXXX 2000 ... ... to XXXX ... ... was decietful, erroneous, and fasely tailored with deception this assignment recorded in XXXX XXXX public records is missing my sister 's name. this is not a typo error as the original document recorded by XXXX has her name ... ..XXXX went bankrupt prior to the assignment and had its hud violations later XXXX had an automatic dissolution ... ... anyone can view these documents I wish I had years ago
The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.
I had a credit card with XXXX bank. XXXX filed an judgment against me and then Capital One took over the account. Capital One said that they needed {$4400.00} to settle the judgment. I paid that amount with a Cashier 's Check on XXXX/XXXX/15. It was cashed on XXXX/XXXX/15. The judgment was supposed to be settled but as of XXXX/XXXX/2015 that has not been done.
this issue has not been resolved yet. Although online collection agency has answered and which i appreciate them sending me proper debt of validation, im not being helped when i say this debt is not mine. I have since received the debt validation from Online Collections. I have included XXXX attachments they sent me about them and the debt from my XXXX ( same company that merged ). If you look at the account numbers, its different than the account number that i had when i had XXXX XXXX. 

It took a long time but i have found and attached my last XXXX bills from XXXX XXXX that was in my email. its all time stamped and dated. The account numbers differ from the ones that Online Collections are saying that i owe in XXXX/XXXX/2011. 

How can account numbers change right at the time i stopped service with XXXX XXXX? The address i lived after my last bill is XX/XX/2011 " which i attached a file '', i did not need to have my name in any address after that date. i should not be billed at all, especially an address i do not know of. this could be a simple error on their part but still, not my error or debt. 

This is not my debt that Online Collections are trying to collect from me. I have NEVER lived at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX which is the address of the debt they are trying to collect. 

Making a police report for fraud is out of the question right now since i am working out of state and wont be back to NC until the holidays. I was told i had to make a police report in the same city/county as this incident occured. 

I need this to be resolved, ive been spending hours upon hours finding facts to prove its not mine. my credit report has had many false info that has already been deleted but this is the last one that seem to get no help from even though im providing all necessary info, proof, and documents.
On XX/XX/19 I requested a {$100.00} transfer to a non-BB & T account using XXXX. My payment did not go to the intended recipient when he notified me that he did not receive my funds. I contacted the bank on XX/XX/19 to notify them that the account number was incorrectly entered. The bank indicated that the funds probably would not go through if the account number was wrong. I opened a claim and was notified on Tuesday that there was nothing they could do since the account number was incorrectly entered. The bank told me that I would have to file a police report. I feel that the bank should be held liable for the money that I am out since someone else received the funds. Please advise if there is anything else you can do to contact BB & T. Thank you,
A request was forwarded to Experian regarding multiple accounts requesting them to provide verifiable proof of the negative events they are showing on my credit report, and to date, I have yet to receive any information to confirm that the information they are reporting is accurate or correct, needless to say, they continue to report INCOMPLETE accounts. I have contacted Experian 's office on XXXX XXXX, 2017 and spoke with XXXX ( in the Disputes Department Team Paragon ) the  United States and advised of this and he placed me on hold and did a conference call with one of the creditor 's in question. I asked XXXX if they did this upon my initial request, why in fact are we doing this again. According to him, they did n't do this before, they only sent an automated request and awaited the company 's reply. I advised him that this is not a reasonable investigation according to the FCRA and them continuing to report incomplete account information is complete violation of the FCRA. According to XXXX, the companies are allowed to report whatever they want to report and Experian ca n't do anything about it. I reminded him that this is willful and malicious violation of the FCRA and self admittance that they are n't in compliance and are not able to verify anything that the companies are reporting. He stated there is nothing that can be done. <P/>We finally were connected to XXXX at XXXX XXXX XXXX XXXX, which was one of the accounts in question. I asked if XXXX if they received a credit dispute from Experian and he confirmed the dispute came over on XXXX XXXX, 2017. Per XXXX at XXXX XXXX, he stated that the request came over that the needed to verify name, address and DOB. I advised him that this was not the nature of the dispute sent over to them. I asked XXXX at Experian to refer to my letter sent over and he did and he stated they disputed the account as " NOT MY ACCOUNT ''. I advised him that nowhere in the letter does it state that and hence the reason for the account still reporting incompletely. Per the information on the updated credit report, it reflects that the account was " updated '', HOWEVER, there is no new, updated or changed information on the report. <P/>We were able to contact the Office of the President of XXXX XXXX XXXX XXXX  and spoke with XXXX ID Code : XXXX who confirmed the information came over as they needed to confirm the account holder 's name, address and personal information. ,