WillisBack/dataset-financial-user-claim huggingface dataset:
The information on my credit report for all XXXX credit bureaus is not mine. The name, and date of birth do not match mine. The accounts were opened before i was even XXXX years old. I just turned XXXX and all of this is affecting me because i am a XXXX and because of the false information of my credit report i ca n't get a credit card, i ca n't apply for student loans, get a car, or even rent an apartment to live in.
Im just a Co-Signer on the contract and basically its my dads car. He is not able to pay the XXXX XXXX which negatively affect me. I was wondering if they could just remove me from the contract as a co-signer and just solely put the contract to my dad
Hello, I have an account in collections with XXXX XXXX in NY for a previous account I had with XXXX/ Synchrony Bank which was a credit card used for medical bills. We had a balance of {$460.00} as of XXXX 2014 with Synchrony Bank which was charged off to XXXX and they are now charging us {$1000.00} and will not settle for less than that amount. I have contacted both Synchrony and XXXX attempting to settle for at least {$500.00} or {$600.00} but they will not work with me. This is the only collection agency that has not been willing to work with us. I do not think it is fair that the charge off was more than the owed amount. This is highway robbery, specially when this is for medical bills and when we are looking to pay it off. Please help us as we have been dealing with this for over XXXX months now. Thank You.
The company is XXXX XXXX XXXX XXXX it is for {$250.00} I disputed the debt through all 3 credit bureau 's and it was taken off XXXX, but it is still on XXXX and XXXX. I have never heard of this company nor have I did business with this company, I have asked for a contract that was signed between me and the company XXXX XXXX   XXXX XXXX and they did not provide me with one. I do not owe this company. Please remove this debt from both bureau 's. This reporting is going against my integrity and character. I want this incorrect reporting removed immediately. 
Thanks
My account was overdrawn, however I made a return to a store. When I checked my account to see if the credit had posted, I found that Suntrust had applied an extended overdraft fee. This fee XXXX the amount of {$36.00} if the account is overdrawn more than a week. This seems like a predatory practice, most people are paid bi-weekly. I have been a customer of Suntrust bank since 2010, and have direct deposit set up on my account. 
I went to the bank to speak with a representative and let him see the copy of my credit from the store. He said that it was pending, but he could not make the decision to issue a refund of the fee as a courtesy. He would email his manager, and his manager would make a decision upon his return. XXXX days later, the manager, XXXX XXXX, called me and informed me that because of my returned item ( an insurance check that automatically is paid from my account ), the overdraft was my fault and the bank was right in charging me the fees. He rudely hung up the phone as I tried to discuss my concerns. To have an extended overdraft fee is an excessive fee, which makes it more difficult for consumers to gain financial stability. My account was overdrawn by {$11.00}, I was charged a returned item fee of {$36.00}, then an additional extended overdraft fee of {$36.00}. 

This practice should not continue, and Suntrust should issue refunds of the extended overdraft fees.
A XXXX XXXX XXXX XXXX, Case # XXXX XXXX XXXX ] has been constantly calling me for a debt that I do not owe for a company that I formerly owned but have n't owned in three years. There has been two owners since. He is calling on behalf of the XXXX XXXX Company. I never used them for insurance and do n't know who their agent is.
I was alerted by XXXX XXXX because my identity was stolen on XXXX17 that XXXX XXXX had accepted a fraudulent application for credit.  Upon notifying them by telephone they refused to disclose any information to their fraud department because they said they could not prove it was me,  but after 24 hours I received an alert that they closed my legitimate XXXX credit account and lowered my credit score in doing so even though that was not what I was told they were going to do, or not do.Now I have to worry that XXXX XXXX has an open application for credit that was done online by a thief using my ssn, dob and full name.HELP! They should not be allowed to keep that account open that is FRAUDULENT.
My credit was pulled and sent to a lot of different lenders by  XXXX   XXXX   XXXX  (   XXXX   ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed  XXXX   XXXX   XXXX   XXXX  located in  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  to pull my credit and shotgun my credit to a lot of lenders.             I checked my credit before I went car shopping and I was at  XXXX  in   XXXX    of the bearous.        When I did make my decision in purchasing a vehicle, I went to a different dealership (  XXXX   XXXX  i )  to purchase my vehicle and when I gave them permission to look at my credit they had told me that my score was not  XXXX  and had dropped to  XXXX  and that they could see a lot of inquiries in the last two days from  XXXX   XXXX    XXXX   XXXX  . I called  XXXX   XXXX    XXXX   XXXX   and I asked to speak to the  manager  and they told me he was n't available.       I worked so hard to be able to get it up in the  XXXX  's before purchasing a vehicle and at that point when  XXXX   XXXX  had told me that my score had dropped from  XXXX  sending my credit to different lenders. I had no choice but to take the interest rate  XXXX   XXXX  was offering me because of my  credit score dropping so many points after  XXXX  had used my credit without my consen t and sent it to diferent lenders.             XXXX   XXXX   XXXX    2016  are the dates that  XXXX   XXXX   XXXX  used my credit to send it to multiple lenders without my consent.       My name is  XXXX   XXXX  and my cellphone is  XXXX
I called Equifax and also faxed letters with my correct address on XX/XX/2016. They continue to report incorrect address, and places of employment for me. I have never worked at the XXXX jobs listed. I was told that they corrected the information in the system, but when I pulled another credit report they are still showing incorrect information. I have sent in supporting documents by fax multiple times for verification of my name, and DL for address. These letters where typed and faxed. I received letters back stating the request is illegible. This is impossible because it was done by fax machine, and I called and spoke with XXXX representatives that assured me the matter was taken care of. But as I said I pulled my report XX/XX/2016 and they are still remaining on my report.
Wells Fargo, without my permission, issued a {$60.00} withdrawal to XXXX XXXX, Officer ( XXXX ) XXXX. That withdrawal caused an overdraft. I had already opened a new checking account at a different bank and had tried to close my Wells Fargo account but they would not close stating they do n't close accounts with incurred fees.
Student loans are showing up as Delinquent. I am a 100 % combat related XXXX veteran and my student loans were XXXX in accordance with the law. The credit reporting agencies are still reporting negative and open loans.
I have an account on my XXXX stating that on XX/XX/2018 I opened a XXXX XXXX   account and have an outstanding balance of {$110.00}. I did not have XXXX XXXX and am wondering why this is on my credit. This acct has not been verified or validated to be mines. If a signed contract not just a bill with my name in it can not be provided showing that I opened this acct please remove from my credit immediately. Credit Protection is on my credit as the collection agency.
Last year around XXXX or XXXX I spoke with my husband about minimizing our debt, of our debt we both had student loans. My loans were private through XXXX ; now called Navient, I called them up to see what my options were because I was behind on my payments. My husband had already spoke with his creditor XXXX who agreed to a $ 0 monthly payment based on our monthly income but when I spoke with Navient they first told me the lowest amount would be {$60.00} then cut it down to {$30.00} which may not seem like a lot but with our monthly expenses for childcare and other obligations it was not doable. I then asked for a forbearance which was granted but this has been one of many and during this time the interest has equated to almost 3x what my original student loan was. I now owe close to {$4000.00} when my original loan was only {$1200.00}. I 'm not sure what my options are anymore because when I call to attempt to settle it, they are always recommending a forbearance or to request a hardship to hold off payment while the interest is steady racking up.
I have a student loan which was supposedly bought by XXXX XXXX XXXX ( " XXXX '' ). XXXX uses the service provider American Education Services to collect payments and deal with my loan. I have contacted AES multiple times, over the phone and in writing, requesting documentation proving that XXXX owns my loan and I have not received any such documentation. 

AES will not allow me to speak with XXXX myself and says all communication must go through AES. They refuse to provide any documentation showing that XXXX actually owns this loan. I believe XXXX either does not own the loan or does not have any documentation regarding my loan. 

I would like help getting documentation. Thank you.
1. XXXX  XXXX Upon reviewing my credit report XXXX XXXX ( XXXX XXXX XXXX ) was listed as in default. 
This acct. was supposedly opened on XX/XX/XXXX And reported to credit bureaus on XX/XX/XXXX its listed as a one month term? for {$390.00} this is not my debt. Ive been with my current provider for several years. Please remove this account from all credit reporting agencies pertaining to me. This is a fraudulent claim. 

2. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Resurgent are all listed as separate entities attempting to collect credit card debt. XXXX lists as me owing {$750.00} XXXX XXXX XXXX lists as owing {$640.00}. In reality it is one debt, but listing separately harms my credit report as it appears that I owe several accounts. On XX/XX/XXXX at XXXX XXXX., I spoke with Mr. XXXX of XXXX XXXX he could not tell me when acct. was opened, but I was told that this credit card debt is currently listed with them, they represent XXXX XXXX XXXX. My report should list XXXX Only ( not other three accounts ). Mr. XXXX asked me to fax my XXXX information so this can be resolved. I faxed it on XX/XX/XXXX. 

Please remove XXXX XXXX XXXX, XXXX XXXX  XXXX and Resurgent from my credit files. As it appears I owe several accounts which is false reporting. 

Thank you XXXX XXXX
I have requested from this company three or more times strict proof of charges on this account. I was not receiving statements from the company and have requested statements to no avail. The company keeps changing their collection agency and has been putting negative on my credit report when the seven ( 7 ) years expire they change the dates and amounts and put another negative on my credit report by allowing another firm to place this same account with different amount of debt on my credit report. This is an ongoing request that has not been satisfied by XXXX XXXX, I have yet to receive strict proof of any charges that I owe. I have submitted on several occasions disputes and request for strict proof of debt via certified mail. I have yet to receive statements with proof of debt. XXXX XXXX stated that no statements have been returned, of course not because none was sent out in the beginning. Per the office manager at their local office on XXXX, which has since closed, the corporate office is responsible for sending out these statements and the request would have to made in writing. I do n't understand how I was paying via online system and the payments were being accepted ; however, no statements were being mailed to me. I also had my attorney to request this information to no avail. I had a request from my State Attorney Generals Office regarding this matter, so if I was trying to avoid payment I would n't have responded to their request. I have paid off several accounts but I received strict proof of all charges and saw where my payments were being applied. XXXX XXXX feel like they are exempt from supplying me statements regarding this account, they also allowed a third party to produce a new statement that was based on the information the collection agency wanted to charge me. This was not a true and factual statement but a new statement from the collection agency. I need strict proof of all charges and statements from XXXX XXXX and for the negative marks on my credit report to be removed for the time has expired.
I had a Chase Freedom Unlimited card that was opened in XX/XX/2016. I noticed the card did not show up in my Chase online portal so I called and tried to find out why. I was told Chase is not able to locate my account in the system and there is no information Chase can provide. I was also told my account was closed due to past due. I have never received communication about Chase would close my account either. 

I was confused because I never received any bills for a long time. I usually check my online account and make payment there but this account does not even show up there. I am a credit worthy consumer and always pay my bill on time. 

The closed card has a lot of cash back on it and now it is forfeited. I request Chase to reimburse those.
I have been trying for several months to try to rectify the address that Equifax has about me. I have explained that i live in a single family dwelling, that it is not an apartment building and yet they persist on maintaining an incorrect address which has been on my file for many years after a mix up of addresses. They have requested, and I have sent, a copy of my social security card and of my drivers license which shows my home address correctly.

Still they send me letters requesting more information of the kind I have just provided. The bureocracy of this company is beyond belief. I want a correct credit record and they are of no help.
On XX/XX/XXXX the company US Bank card services attempted to call me 3 times in less than 2 hours, called after XXXX XXXX and most calls were back to back. This was after I had committed to making a payment on the XX/XX/XXXX. Of {$300.00}. 
On the XXXX they called again several times in 2 hours and would hang up when I would answer. At XXXX XXXX i again received a call and made a payment. I let the man know I did not approve of the consistent calls and to not allow it to happen again. I clarified that they have notes stating when they talked to me and how many times they call and they said they did. Several times they asked why I went past due to which I let them know my Interest was supposed to be 0 for 6 months and it was applied after 3 months. They did not attempt to rectify the complaint. 
Today XX/XX/XXXX I again received 5 calls. One at XXXX, next at XXXX, next at XXXX, again at XXXX and yet again at XXXX. I answered the call and let the person know yet again that they need to stop calling so many times. She stated they have no control over the number of times they call or what times. I reminded her I had just made a payment and would not be able to make a second one right this minute and calling me several times wont change that. I then ended the call.
XXXX XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XX/XX/XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XX/XX/XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XX/XX/XXXX. This loan was accelerated on XX/XX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX/ last update XX/XX/XXXX bought the {$170.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) from this other collection co : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION : this alleged account has been past from one COLLECTION co 's to another for the last 7 to 8 years I have never had an account with XXXX XXXX nor have I never received and invoice on what the XXXX is for or any breakdown- I have been pushed to the max and will start treatment theses COLLECTION Co as a Hostile attacks on my personal Character and my personal financial goals - as of yesterday I receive notice from two Credit cards- that I have had open with great out standing credit starting from XX/XX/XXXX : this notice was that my FICA had falling over night fromXXXX to XXXX nothing has changed on my credit reports from all three over the last year - XXXX XXXX XXXX has been calling for 6 /7 months I have informed them to cease and assist- however they continue to call and view my reports on all three credit reporting co. every month as XXXX was the primary reporter by my Credit cards I called then and pulled my report - I asked them why did my FICA dropped 100 point over night - the person XXXX said I can tell you that without you payment money first- I said what this was a Negv report and they should give me every thing that has cursed my FICA to fall 100 point instead of helping me Collection companies can report anything they want there's nothing I can do about it- but he will be happy to file a dispute I told him I have filed many disputed about this account and it gets sold off to a new CO and it start all over again theses actions are considered bad faith and Federal intervention should be taking : I could pay this at any time but I will never give in to theses Fraudulent COLLECTION co 's
I began the mortgage process with  XXXX   XXXX  for purposes of obtaining a HARP loan. When I received the paperwork after faxing all the required information and after they pulled my credit record.   there was NO Federal rate lock form or any figures regarding my guarantees on being in the HARP program or costs nothing. He apparently, intended on trying to pull the wool over my eyes and put me into some other type or mortgage. When I requested he give me something in writing saying this is what he was using my information for he never responded. When I requested the proper paperwork after I busted him out he never responded.   Here is his information :  XXXX   XXXX   Senior Mortgage Professional   Presidents Club  NMLS ID #  XXXX  Description : Description   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  CA  XXXX  Toll  XXXX  :  XXXX   XXXX  x  XXXX  Direct :  XXXX   XXXX  Cell :  XXXX   XXXX   XXXX  Fax :  XXXX   XXXX  Email :  XXXX  XXXX  XXXX
On or around XXXX 2015, Merrill Lynch gave away around $15,000 dollars without doing as much as a check on on who the beneficiary was, which would have been and easy to deny the person the right to cash out the money. I was wrongfully being prosecuted by an OCDAs  office that is all over the newspaper for being involved in this behavior. The case is due to go to Federal Court, where a Federal Magistrate already agreed the state was biased.

	My power attorney went to Bank of America in XXXX XXXX, California where the Bank Manager was very uncooperative and even lied that the Merrill Lynch was closed, and refused to work with him. I got a court to make phone calls and in or around XXXX 2015, I got through to Merrill Lynch after they covered up and would not give any information on the phone. In reality what could they say? They would have admit they just make it as easy possible for people to steal money when all they had to do was a check on who the beneficiary
To : From : XXXX XXXX XXXX number : XXXX Claim number : XXXXProperty address : XXXX XXXX XXXX. XXXX, NC XXXXMy name is XXXX XXXX XXXX and have been a mortgagee of SPS now for over XXXX years. On XXXX XXXX, 2014 I was on a spiritual retreat when at XXXX I received a call from the XXXX Police Department informing me there had been an electrical fire at my home. My first though was my XXXX year old son and making sure he was OK. So since that time my son and I have been in temporary living quarters. I 'll make a long story short. XXXX performed well keeping their agreement as my insurance provider. When I received the XXXX draw of {$57.00} XXXX I thought to myself ; we should be able to get back into the house before XXXX. 
In the first few weeks the performed well finishing the roof, the soffit and the fascia. The inspector came and his estimate was 27 % which I vehemently disagreed. I thought it should have been more like 33-34 %. The next draft was for $ XXXX and quickly was exhausted. This was in XXXX .I went ahead and requested another inspection because a great deal of these funds were already owed to the sub -contractors. I 've had XXXX extensions since the inception of the loan. Instead of moving the XX/XX/XXXX, it will now be more like XXXX. I 've had back to back inspections as the XXXX was completed XXXX weeks after I requested the funds. What I 'm finding out is how lengthy the process can and has been. I 've now been waiting almost XXXX months for check and the frustration, stress and absolute anger ca n't be defined. 
I should not have to beg for these funds Period. The same forms I sent in XXXX months ago are being requested again. The waiver of lien, the contractors ' license number and his tax information. This has been the most traumatic event I 've ever dealt with in my entire XXXX years on this earth. Why did we proceed thus far without the information. What if this was you or your wife dealing with this? I 'm sending this to the world ; no one should have to deal with this XXXX. I do n't wish this XXXX ordeal on anyone. I 'm sure SPS holds these funds as long as possible to earn any type of interest. Will you pay me interest? Please intervene and help me get back home. I 've had a XXXX in the past few years. This has been the most wicked and XXXX experience of my life.
I was recommended to XXXX XXXX Funding for a XXXX XXXX FHA loan. When I visited another lender to look at refinancing options they noticed an excessive loan origination fee. The new lender showed me near the bottom of the closing cost page that the original lender XXXX XXXX XXXX had charged me so much that they had to credit me {$2300.00} because they were already over the legal limit. I questioned my loan originator about the amount and was told this is typical for this type of loan. I was told from multiple other companies this was an example of predatory lending and it gives the industry a very poor reputation. XXXX XXXX was my loan originator with XXXX XXXX funding NMLS # XXXX.
Yes today 's date is XX/XX/XXXX I pulled my TransUnion credit report and I see alot of credit inquiries that I know and I did not authorize anybody to pull my credit here are the list of inquiries ... XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX via XXXX XXXX XX/XX/XXXX..XX/XX/XXXX .... XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX all of these are not mines it's against the law for someone to run my credit with out me know plz cfpb help me get this resolved