WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of XXXX in the way of financial, XXXX abuse. 

My ex husband opened this account in my name for a computer because if I remember correctly he could n't get a loan. It should have been a red flag then. 

They had called incessantly for years and he has never resolved it. 

Could you please look into the original documents and how this was opened in my name. I looks as if it was done with some kind of credit card, so he could have used my information without needing my signature. 

He has been sued for fraud and had a {$160000.00} judgment against him. Ran over my foot and left the scene and it was considered a XXXX XXXX, but the judge just charged him a fine. He also owes the IRS, Lost our home etc ... And yet Nothing is his fault
This is the XXXX year in a row that my mortgage lender has not made adequate payment for our property taxes. We purchased in XXXX 2015 and mid-year, our loan rolled over to Lakeview Loan Servicing, which we later FHA-Streamline re-financed this XXXX. They have been impounding an inadequate amount of property taxes, which I have repeatedly said was incorrect. And now, the XXXX installment was due, and per attached, they have not made payment. In addition, per attached e-mail streams, they remain incredibly unresponsive.
I provided XXXX, XXXX and Equifax with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
incorrect information has been posted to my credit reports without receiving notice of the debts in question for XXXX this debt was paid in full by the business it was a business account they have reported to all XXXX credit agency also this company call me and my family threatening lawsuit.
XX/XX/2017 my auto was totaled, made a phone call to the insurance company and the lien holder as well as made a call to the gap company to let them know what was going on so they can get this taken care of. The insurance company XXXX XXXX offered a settlement in the amount of {$6300.00} and the gap company paid the remaining balance of {$1600.00} I recieved an email from my insurance company with a copy of the check that was sent so I called my lien holder to make sure everything was satisfied and taken care of. Employee from Columbus Finance stated that I owed a balance of {$140.00} because there was interested added AFTER a payoff was given to the insurance company. I have never been made aware of this via email, phone or mail that there was an amount due from Columbus Finance they told me that it was n't their responsibility to make me aware of there being a balance owed. ( they then reported this to my credit stating I am 90 days past due ( again never was made aware of this until i called ) insurance company asked for further information the lien holder refused and said it was n't their responsibility for sending any further documentation. This company is a scam when it comes to the payoff of your loan they have several reviews about this same issue. The woman at the lien holders office even admitted that the interest was added after giving a payoff and letter of intent to the insurance and gap company. They do n't even want to listen to this on the phone they laugh at you and just tell you that you owe the debt and that this is an daily interest loan ( again I was never made aware of this or the daily interest amount ). They are just waiting for this to pile up so you owe a bunch of money. This needs to be settled in full. I have contacted the BBB, the OHIO ATTORNEY generals office and now I want this off of my credit report as I am not 90 days past due and I do n't owe this debt.The next step is going to be contacting an attorney to sue the company as well as the two individuals that were on the phone with me XXXX, and XXXX I believe where their names. They said it took 113 days to receive anything from the insurance company and that it needed to be paid in 10 days I have totaled a car before and it takes more than 30 days to get a check for a total loss, this is n't my fault if a payment is n't received as I am not in the office cutting the check or receiving the check. This needs to be disputed with the lien holder, insurance company, and gap company not me as I am not the one that has access to my account and the payoffs or interest on the account the lien holder does. I also financed Gap coverage in my loan so if something happened like this then my loan would be paid in full not be in this mess fighting back and forth with something that is out of my control.
This collection has been reported on my credit report. This collection is not valid as I have never resided at XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX reported a joint account opened XX/XX/XXXX for collections in the amount of {$3500.00}. Reported as NCC Business svcs inc. XXXX. 
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX reported a joint account opened XX/XX/XXXXXX/XX/XXXX for collections in the amount of {$1500.00}. Reported as NCC Business svcs inc. XXXX. 
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$1500.00}
Beginning in XX/XX/XXXX, I pulled my report to find ways to improve my credit score. As listed on my credit report, XXXX XXXX XXXX XXXX XXXX had issued a repossession with an open date of XX/XX/XXXX, first report date of XX/XX/XXXXand a status date forXX/XX/XXXX. I was a co-signer on the contract with my mother, XXXX XXXX. The original amount of the loan was for 65 months for XXXX . A new balance was reported as ofXX/XX/XXXX of XXXX $ .The car was originally totaled back in late XX/XX/XXXX. There were phone calls made to XXXX at the time of the accident to voluntarily repossess the vehicle, as early as XX/XX/XXXX. The car continued to sit in my parking lot wrecked until late XX/XX/XXXX, early XX/XX/XXXX. There was no correspondence from the company regarding any derogatory balances or communication confirming the repossession/towing of the vehicle. It was as if the car had disappeared from our lives, until just as recently as XX/XX/XXXX, where XXXX has been harassing my mother regarding payment ( although the car is totaled ) and has not sent any formal mailing obligating her or myself to this debt.
After sending my first dispute at the end of XX/XX/XXXX, I received a letter back from Bridgecrest, XX/XX/XXXX stating that they could not process my dispute because they did not have an updated/current address for me. After another letter was sent, ( still listing a current address ) I received a response dated for XX/XX/XXXX. It had my mother 's name listed this time, with the complete wrong address. ( The city and state did n't match the street address. The KY post office had to write the proper address info outside of the envelope to ensure it would be received. ) I then sent a 3rd letter regarding my request to show proof and validity of debt dated for XX/XX/XXXX to the credit bureaus directly, asking for proof of this debt. I only received respsonses from all 3 bureaus with statuses left unchanged and refusal to dispute further.
I have since contacted my local law enforcement to determine if there was a formal repossession report filed with my county by law, and of course, there was no record indicating this event.
Please refer to the article you all had published, concerning XXXX and their debt collection practices. The parameters of this civil suit matches my situation and I am looking to seek a solution ASAP.
https : //www.consumerfinance.gov/XXXX
JH Portfolio failed to fill out the disclosure statement i sent and was not able to validate debt so a estoppel was placed on them yet I still see a violation of my copyright for unauthorized use. 

I did not know about this debt nor do I recall receiving any letters from JH portfolio prior to them posting me into the credit report.
I appear to be a victim of credit card fraud. My Discover card ending in XXXX was apparently used fraudently in the XXXX area on or about XX/XX/2017 thru XX/XX/2017 for a total of XXXX charges for {$2000.00}. My credit card company is asking for a report # for a formal policy report, please advise on how I obtain this.
CoreLogic XXXX XXXX, XXXX XXXX, CA XXXX Toll-Free : XXXX XXXX XXXX XXXX, Local : XXXX XXXX XXXX XXXX. 
InXX/XX/XXXX/ XX/XX/XXXX, an attorney on my behalf contacted CoreLogic & provided documentation regarding a false report by CoreLogic, a 3rd party Credit reporting agency for " criminal history ''. The supervisor from CoreLogic assured my attorney & I over the phone that this would be removed. We provided proof the " XXXX XXXX XXXX '' was AMENDED TO A NON CRIMINAL OFFENSE OF XXXX XXXX, WHICH IS A DEGREE of " XXXX '' -not a criminal act &  as petty as XXXX. NOT A XXXX OR XXXX. FROM NJ-XXXX County, XXXX XXXX, NJ. Yet Core Logic Continues to refuse to allow me to email their legal dept with proof, they have no portal where I can upload the documents and they refuse to email me back stating they can only snail mail me! They provided XXXX which is merely a scripted emailbox & no real live person responds. I got a scripted email stating I'd get a memo from them in mail in 30 days after I disputed with this email address. NOTHING HAPPENED. This has been ongoing problems for years which has cost me thousands of dollars, affected my housing and my quality of life. this company should not force consumers to be on the phone for hours on hold then force consumers to provide them their soc sec NUMBER as a form of identification and other identifying data, opening them up for more fraud, and then if they can't answer their 'identifying ' questions, they are not helped. They need to have a better policy in place than 'snail ' mail & this horrible 'email ' address which does nothing as they are not answered by live people. Then consumers must wait 30 days for a snail mail letter. They should provide it via email.
In light of new documentation received by XXXX regarding disbarment date for the entire life of these student loans Acct # Remove Late Payments & Correct Complete Payment history for these accounts ( Open to close ). Please make sure these are update to show ( NR ) as paid on time and ( ANY LATES ) to paid on time for each and every month. Thanks For each and every one of these loans, this payment dates look pretty much like it does below I know its a lot and I apologize you had to be the one to get this, but thanks in advance for doing this correctly.

( Accounts with late payments ranging for ( XX/XX/XXXX-XX/XX/XXXX ), which were covered, under either a deferment, forbearance or grace period. As proven via XXXX XXXX XXXX disbursements )
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to cancel services. Company stated they would cancel that day and that a final payment of {$110.00} would be taken XX/XX/XXXX for services rendered the previous month. They stated an email confirming cancellation would be sent. Email received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to confirm cancellation of services. Agent stated services were not cancelled and that she would do so immediately, and waive the final {$110.00} fee for XX/XX/XXXX for the trouble. She stated an email would be sent confirming the cancellation. Email confirmed to be correct on the phone. Email never received. 
Contacted company ( XXXX XXXX ) on XX/XX/XXXX to again confirm cancellation of services. Agent stated that for an unknown reason services were continued. Fee was removed for {$110.00} from checking account XX/XX/XXXX anyway. He stated he would reimburse the fee and officially cancel services and send a confirmation email. Both refund and email never received. 
At this point next actions to be taken will be that this complaint and a certified letter revoking authorization to illegally debit a bank account as well as a copy of a stop payment order from the bank will be sent to this company. Failure to respond to any of the 3 items sent will result in legal action.
Paramount Recovery Systems have reported a collection debt on my Credit Report with XXXX & XXXX since 2012. It shows up as a medical account. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have always had insurance and use my flexible spending account to pay all medical bills and services. They have failed to contact me and provide any bills, contracts or details of the alleged debt.
American Express is refusing to accept the terms of my Debt Management Program through XXXX XXXX XXXX XXXX, a licensed Debt Management Services Provider and member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told by a customer care representative that American Express has their own hardship program called XXXX. I asked to be enrolled in the XXXX program but they are refusing to enroll me. American Express told me the terms of their program require me to be out of the program for at least one year before I can re-enroll. The terms they have set up do not allow for any recovery after a recessive business period, which is essential to business XXXX XXXX. The Federal Government ( Federal Reserve Bank ) does this when refrain from raising interest rates while waiting for the economy to return to a more robust strength. American Express is blocking my ability to achieve financial stability and credit worthiness due to their terms which amount to keeping me in a virtual debtors ' prison. This is illegal and unfair business practice. Full disclosure, I was enrolled in XXXX from XXXX XXXX to XXXX XXXX with The XXXX ( R ) due to a hardship in my business resulting from the terrible winter at the end of XXXX which wiped out all attendance at a major trade show I attend in XXXX thereby leaving me with all the costs of attending an out of state trade show, but none of the sales. I paid off The XXXX XXXX ( XXXX ) in XXXX XXXX and closed the account. This time it is for the XXXX ( XXXX ) XXXX XXXX, a different card but due to another terrible winter at the end of XXXX, abysmal trade show attendance and meager sales I am having trouble paying down my balance, this card allows for a revolving balance. I call American Express about every XXXX months to get my APR percentage rate reduced and now it is at 15.99 % which American Express has told me is the lowest rate that I can receive. If I were enrolled in the XXXX program the interest rate would be 9.99 %. To maintain fair business practices American Express has to accept the terms of my Debt Management Program through XXXX XXXX XXXX XXXX or enroll me into their XXXX program. I have inquired multiple times if American Express favors a Debt Management Program and to please give me the details. I was told that because American Express has its own hardship program it does not accept any outside Debt Management Programs. All of my phone calls to American Express have been recorded by American Express and they can confirm all that I have written here from those calls as well as the frequency of my calls to them. My current monthly payment is unsustainable at the amount and interest rate and it is putting my ability to maintain a healthy business at risk. This is why I have reached out for help during this stressful time. I now need American Express to extend a hand to my business, where all of the goods have been handmade in downtown XXXX XXXX since XXXX, so we can survive this slump and go on to prosper, all of us.
Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/ and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XXXX. I have spoke to the credit bureau, the XXXX XXXX XXXX  told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX  they sent me back to the dept of ed, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
The company is attempting to collect a dept for my XXXX credit card. They call me about 20 times a day and about 3 of those calls have come after XXXX. I have asked them to stop calling so much and not so late only to be cussed out and called a deadbeat loser who cant pay bills!! I want this harassment stopped by them
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX XXXXXXX Date Opened>>>>> XX/XX/2009 XXXX XXXX XXXX XXXX Date opened>>>> XX/XX/2009
Wells Fargo took all payments I designated in writing that were to be applied to the principal ( extra payments ) and did not apply to principal. My loan is fully paid but they owe me several thousand dollars. I called more than 10 times trying to get the situation straightened out. Usually they said it was fixed but it was not or they hung up one me. <P/>They sent an unacceptable explanation that did not address the issue then refused to answer the 15 calls I made since I filed a complaint here. THEY HAVE NOT ADDRESSED THIS ISSUE yet the case was closed with their explanation that simply showed my payments and even showed that they indeed did not apply the payments to the principle as requested which is the entire basis of the complaint!! <P/>Why was the case closed without being addressed? <P/>**attaching proof of my payments is not answering the problem. They refused to apply my extra payments to principal regardless of how many times I called and asked. I was told the payments were applied to principle then when i found that they were not i was then told it was too late. This is unacceptable.
I have Requested Validation of the following account that Equifax continues to report on my credit file : Bankruptcy # XXXX. Equifax lists XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2018. On Wednesday XX/XX/2018 I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XX/XX/2018. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On Wednesday XX/XX/2018, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2018. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2018. I demand that this public record Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called 'verification? on XX/XX/2018 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. Equifax has FAILED to validate this bankruptcy and is in violation of the FCRA. All they send is a XXXX XXXX address and a statement saying 'the account is verified. I demand that this unverified account : Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE.
I have disputed this account information as inaccurate with you twice and now with the CFPB, you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the collection agency myself through Certified Return Request Mail XX/XX/2018 and also through a recent CFPB claim and have been unable to get them to verify that this is my debt. I did not ask for a verification of my address or who the creditor is etc., I asked for a copy of the signed contract with my name on it and what exactly I was being billed for. I received neither. Nothing. The CFPB claim on XXXX XXXX XXXX asks XXXX  to validate these debts, and validate the services rendered that I allegedly received. I was given no evidence of my obligation to pay this debt to this collection agency. In fact they ignored my prior requests until I filed the claim with the CFPB and immediately after they claimed to have forwarded to me verification in XXXX but they werent sure of the date. If this letter was sent it was NOT received at my address and XXXX holds no proof of sending this letter nor proof of it being delivered to my address. This trickery is violating my rights under the FCRA. It is clear that XXXX XXXX XXXX can not legitimately validate this alleged debt as mine. It is now the Credit Bureaus legal responsibility to immediately remove this from my credit report. The FCRA requires you to verify the validity of the item within 30 days. I have sent two letters to your company, which means you have had 60 days to validate this debt and have you not followed through with my requests in accordance with the FCRA. If the validity can not be properly verified, you are obligated by law to remove the item immediately. There is a very clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action to protect my consumer rights. In the event that you can not immediately verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter.