WillisBack/dataset-financial-user-claim huggingface dataset:
Bay XXXX Credit calling to collect payment on behalf of XXXX XXXX XXXX XXXX. I contacted med insurance, said paid XXXX 2015. I contacted XXXX XXXX XXXX XXXX. Verified account paid XXXX 2015, currently XXXX balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days.
My store credit card was upgraded and converted to a XXXX without my consent. I received the new XXXX during the summer and, again, without my knowledge or consent, the old store card was canceled and my charges were transferred to the new XXXX. My bank information and recurring payments, however, were not transferred over to the new account. As a result, the balance on the card was not being paid timely. I have now racked up some late fees due to an account conversion that I did not authorize.
I have credit inquiries on my credit report that I do not recognize and that I did not authorize and would like these deleted from my credit report XXXX Thanks
I have been remodifying my loan for 4 years and it has continually been found short of documents, out dated documents or missing documents as well as now needing MORE documents. Intentional manipulation of paperwork submitted is blatant. I have pleaded with them to not sell my home and made a deal with them to have all primary documents needed to them by XX/XX/XXXX for them to start the underwriter process as well as any additional documents they may need. My attorney noted that it appears their intention is not on the up and up and the house is again back on the auction block for XX/XX/2016. there is no time for them to do what they need to do to approve this modification by XX/XX/2016. It appears a rubber stamp denial is already in place. they have filed a XX/XX/XXXX response date, which they have not, as of yet, informed me of and what it entails. Again, I see deception going on as has been going on before. They have broken into my home on three occasions and left the security features damaged or open to vermin, vandals and weather. I have requested a cease and desist and reimbursement for the damages and it has been ignored. I have lost three years of tenants due to sending my tenants monthly 'auction ' sales notices as we go throiudht is weird 'dance '. I have lost them, the {$2800.00} a month revenue from them and the cost to take them to court to retrieve this lost revenue with no success. They reference the letters stating the house is sold and were told by the SPS legal counsel to stay in the home until SPS tells them to leave. Thus the reason for no rent. This is their statement ( to the mediator present ) in court. I feel that right now they are intenting a rubber stamp '' FAIL '' on the home. I have a XXXX XXXX XXXX on it with numberous Stock holders attached and I was just informed that they will not be reducing the 7.44 % interest rate due to these investors. This is not right and is intentional. No one has informed that that the 7.44 % will remain until I spoke with an Ombudsman last week, and all this because disclosed to me, as well as I can e-mail all info to them as opposed to the express mail I have been using ( express due to the fear factor that they convey of urgency all these years of doing this. 
I need solid and honest support at this time. Your help is appreciated.
I have disputed several inquiries with TransUnion Credit Reporting Agency and unfortunately their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Please see the below inquiries that I sent in to be investigated and deleted from my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
TransUnion claim to verified these accounts attached in this report yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of  receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et  seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. Trans Union, LLC ( n.d.ill. 2004 ), I therefore  request a block of these accounts according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 )
My sister submitted a credit card application using her name, social security number, date of birth, and address but the application somehow was associated with me and my credit report was pulled resulting in a new hard inquiry. I helped my sister submit her application and I am 100 % sure that all the information was hers and not mine.
XXXX   XXXX   ( same as   XXXX   XXXX   XXXX   XXXX    ) r efuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX   (  XXXX   XXXX   XXXX   ).  I filed dispute with you for Equifax and  XXXX  last year.  XXXX  fixed it, but Equifax dispute ( #  XXXX  ) produced NO results  (    XXXX   XXXX     ). Since then I have to dispute this with Equifax every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  two  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX
I had a Mortgage with XXXX in XX/XX/XXXX they sold the Loan to Bank of America, shortly after I had been with Bank of America, Bank of America send me a letter stating I was 10 months behind, I explained how can that be when I have not had my Mortgage with them for that Long, they explained that I had been behind with XXXX XXXX, I send them proof of my payment of the Months they stated I did not pay, I had made the payments thru XXXX XXXX, Bank of America send me another letter stating they wanted a letter from XXXX XXXX stating that they received the payments, XXXX XXXX send them the exact same thing I send them, Bank of America wanted more from XXXX XXXX, and XXXX XXXX said they have send them all that they can send that is proof of payment received and payment send. I could not get Bank of America to budge, I did not want to loose my Home so I applied for a Modification, Bank of America denied the Modification and I was forced to file Bankruptcy this was in XXXX my Bankruptcy discharged in XX/XX/XXXX. I applied for a Job with XXXX XXXX XXXX and they pulled my credit, XXXX XXXX showed up on my credit report they are showing I am late on the Mortgage XXXX and XXXX, XXXX I called XXXX XXXX and I explained I do not have a Mortgage with them, they told me they Purchased the Loan from Bank of America their Balance showing is {$140000.00}. I had a Balance with Bank of America for {$110000.00} please help me, this is hurting my credit and hurting me from getting a job with any Bank. I can be reached @ XXXX I will be happy to provide my Bankruptcy papers if you need them. 
Thank YouSincerelyXXXX XXXX
I have a mortgage with Freedom Mortgage and back in XXXX I was going thru a custody battle with one of my child 's fathers in which I was court order to go to mediation. This required me to use a whole pay check ( had to bring cash ) to pay for it. XXXX dollars plus I incurred more lawyer fees which set me back and I have struggled to catch up. I called to make arrangements and explain my situation to the mortgage company. A friend of mine told me to ask for a modification. At no time did anyone tell me about FHA loans and the partial payment. I began sending the information they requested in XX/XX/2017. I continued to make payments as I was able to. I also took on a part time job in XXXX to help bring up my income. I sent in a letter of hardship and other documents and since then I feel as if they have been giving me the run around. There is always something missing and I swear I have filled out the XXXX form and sent at least 5 times. I now sent them a check for XXXX dollars as of XX/XX/XXXX I owed XXXX the XXXX was sent in XX/XX/XXXX and I called and told them the rest will be coming on my next pay day and they still have to cash my check and have now sent my loan to foreclosure. So now I am occurring attorney fees as well. I am a single mom of XXXX children and I very much want to stay in this home. I was going thru a hardship one that I think should of qualified for the fha partial claim money. I want to have this looked into as soon as you can. Thanks so much,
This complaint is in regards to an alleged account in my name t placed wit h PORTFOLIO RECOVERY ASSOCIATES, on  behalf of  XXXX   XXXX . The stated balance of this alleged account placed wit h PORTFOLIO RECOVERY ASSOCIATES w as {$270.00}. I was completely unaware of this account being transferred to  PORTFOLIO RECOVERY ASSOCIATES, un til I pulled my own credit report on   XXXX   XXXX   XXXX    , and noted the odd discrepancy on my report. The account number with this company is  XXXX . I had not once received any notification of this debt owed via   XXXX   XXXX   XXXX   XXXX  , or been notified by this company of the alleged debt via telephone.  <P/> Upon this, I immediately emailed the Disputes department with  PORTFOLIO RECOVERY ASSOCIATES,  as well as the company executives and  Quality Management  team, and received absolutely no response from any of these people or departments via phone or email, as requested. I disputed this debt as possibly invalid, and requested immediate removal of this account from my credit files ; again, I received no responses from the company 's Dispute or Quality Management team, or the CEO,  XXXX   XXXX . Ultimately, I received account information from  XXXX   XXXX , and as an act of good faith, offered to pay the account with PORTFOLIO RECOVERY in full to alleviate the situation, and have the collection account with PORTFOLIO RECOVERY removed from my credit bureaus. This account was then paid in full via phone on Monday,    XXXX   XXXX   XXXX     .  <P/> Upon phoning in and speaking to several rude, condescending representatives with PORTFOLIO RECOVERY, I was told that if I had paid this account in full, I would be able to have the account removed from my credit reports or " dispute the account off of my credit files '', and that PORTFOLIO RECOVERY would not fight me on this. Then, another representative countered this by stating that she would not assist in the removal of said account even though the account was now paid in full, and I was given misinformation from multiple representatives prior. This remains to be  one  of the major issues with this collection agency -- every time that you phone in or email, you are either ignored outright, or are given a different story upon each contact attempt.  <P/> Overall, this experience with PORTFOLIO RECOVERY has been extremely poor -- both providing me a great deal of misinformation, misguiding me as a consumer, and being completely and outright ignored after attempts to contact executive level management, and the  Quality Management  department ( whom, on their website, it states to contact should you need any assistance or have been treated poorly by staff ). It is unacceptable to provide the consumer whom you are attempting to collect an alleged debt from, misinformation, in order to get an account satisfied in full. I am unsure where the breakdown of communication occurred, but given the gross negligence and disservice on behalf of  PORTFOLIO RECOVERY ASSOCIATES , I am requesting immediate removal of this paid in full account from all three major credit bureaus --  XXXX ,  XXXX  and  XXXX .
This comp any Mascarades as a mortgage company but is only a debt collector. They are rude, ruthless and very unsympathetic. We  became behind on our mortgage and when we tried to make a payment they wanted all our financial and personal information. We refused to give this information and tried to make a payment. When we refused our personal info they would not accept our payment and we were hung up on. We then made a payment thru there automated payment system receiving a confirmation code only to find out days later they cancelled the payment therefore charging us more late fees. After 4 months of struggling to get caught  up ( with no assistance from seterus ) and many harassing phone calls from them we finally got completely caught up only to be charged new " home inspection '' fees which were charged to our mortgage one day after being completely caught up. This is the worst " mortgage '' company and will definately be working vigilantly to get away from this company as soon as possible. I would rate this company as -10. They make it impossible to keep your house and make it very clear they are not going to help.
I have been contacted by this company multiple times. The company they are trying to sue for is not on my credit files and i never owned a vehicle with the company in question. i went and submitted information to get a car years ago and never got that car from the company ( ended up getting a car from a family member ). it states i owe for the car but i do not owe. i disputed on my credit ( XXXX bureaus ) and which it was removed from all and would like this to be removed as they placed a public record on my account for a debt i do not owe. they also never let me know of the judgement as i looked up the paperwork and was sent to an address i have not lived at in 8 years. I live in XXXX, VA not XXXX, VA.
I have a loan with SUNTRUST BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SUNTRUST BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below on both of my capital one cards, and it's reporting with multiple inaccuracies. 

XX/XX/XXXX-Current XX/XX/XXXX - XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have recently started monitoring my credit reports and I have found an item in my negative collections portion, it is for a student loan/and or credit card that I never signed up for. It says date opened is XX/XX/2009 at that time I never used XXXX XXXX XXXX which is where it is from. It says the account was transferred and the balance is like {$1100.00}. This is upsetting and this was absolutely not opened by me and I never got to spend this money. Please help
I have provided all three credit bureaus information regarding XXXX XXXX which included conflict of the original balance being reported to the credit bureaus and me I provided documentation to support the dispute as I have always done. on XXXX XXXX,2017 XXXX sent me an email stating XXXX XXXX was being removed from my credit. based on XXXX providing me documentation through my credit report stating the original loan balance was different from what the loan statement was. As of today, with all the documentation provided, Equifax continue to have this account as if it was dismissed in a bankruptcy. This account was never in bankruptcy. I have not received word on XXXX in which provided me documentation of that they have raised my credit score.
I believe I am one of those who had been hacked because my credit score was higher before the information was leaked now it is really low. the lowest
I disputed a hard inquiry by a creditor that was discharged in my chapter XXXX bankruptcy with transunion and i also asked their lawyer to get it removed.I also disputed the fact that either this creditor had my closed positive accounts removed before they usually remove them or transunion removed them.
I filed a complaint regarding wells fargos mishandling of my HSA account and their response to it was a judgment from 2015 for the same issue that was already resolved. I have now missed 3 days worth of work to try to get this resolved and due to Wells Fargos lack of attention to detail, nothing has been resolved. Their response is a horrible example of how they treat their customers and handle their accounts. I have included my pay stub reflecting 2 days of missed work that I am now in further financial hardship because of this and also the ridiculous response from 2015 's judgment that has already been resolved. I have to now go to court on the XXXX of XXXX to resolve this issue that should not have even happened had wells fargo paid attention and handled my account with the fiduciary responsibility they are supposed to
have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life.
I leased a car from Hyundai Finance. When it was near lease end I inquired about purchasing the car ( XX/XX/XXXX ). I asked ( over the phone ) Hyundai to mail me a buy out package, they indicated that it would take a week to get the information in the mail. I contacted my bank later and got their fax number ( I do not have a fax ) and called Hyundai again and had them fax the information to the bank. The bank received the information and sent the payment asked for in the information to the address that Hyundai provided. Hyundai in turn cashed the check and called me back saying they wanted more money. By NC law I was the owner of that vehicle because they made an offer and accepted the payment. However I can not afford to sue. After some time with phone calls to Hyundai. I finally got them to return the money, during this time I had already had to make a payment to the bank. On XXXX XXXX the bank received the money from Hyundai my loan ( minus the interest I owed the bank ). They immediately started harassing phone calls because now I was " behind '' in payments. On XXXX XXXX the bank finally cleared the Hyundai payment. I then sent in a check for XXXX which Hyundai credited XXXX XXXX. On XXXX XXXX I traded the car at a local XXXX dealership. the dealership was then responsible for the car. It was not until XXXX XXXX I received a letter from XXXX saying the car was paid off. I have subsequently checked my credit report and Hyundai reported me for Late payments in XX/XX/XXXX, and XX/XX/XXXX while all of this was going on. They refuse to remove that information as I have filed disputes with all XXXX credit agencies.
On XXXX XXXX, I contacted my mortgage companys customer service department to let them know that I received my XXXX XXXX property taxes in the mail and to ask if they had been paid. I found out through that call that they had paid only one of the four Parcels my home sits on. She asked me to scan the bills and email to them which I did XXXX XXXX. I was told to wait about a week and to call them back to check the payment status. I have called several times since then with no resolution, every time speaking to a different person. I actually spoke with a manager the last time I called and she promised to get back with me Friday XXXX that would have been the Friday before last. ) Everyone I have spoke with says someone will call me back. I have not received one call. At this point my XXXX XXXX taxes are late, which reflects poorly on my credit. I have been told by them that I can pay the property taxes myself if I am worried. Why should I do this when I have paid this money up front and it is sitting in my escrow? This mortgage was refinanced last year, but they have all the information. All 4 tax bills have always been paid from escrow in past.
The company named MCM contacted a family member and stated that I have a lawsuit with my name on it. I have no knowledge of this lawsuit as I have not received any official documentation.
I keep receiving frequent, incessant phone calls from a company that asks for me by First and only part of full name. They offer themselves as XXXX XXXX. I have repeatedly asked them to cease calling my nbr  and was told that they would respect my wishes ; however, have cont 'd and I believe increased calling.

Furthermore, I share the Nbr they are calling. A lady yesterday was told that I was not whom the person was speaking to and that moment someone besides myself was asked for info that they should not and the caller identified herself, company and gave up way too much info ; including, my private, protected info. The family member asserted that this is not the correct practice to solicite info and give up info and the lady quickly stopped ; however, upon call 3 more times, she was told to stop calling the nbr ... She agreed and yet, they continue to call multiple times and sometimes back to back ; including hanging up ...

XXXX is one nbr  that called at XXXX on XX/XX/XXXX ( sub no contact request and grant ) XXXX ( SAME ) at XXXX XXXX SAME nbr  : XXXX  and XXXX XXXX XXXX as well I have copies of phone records and witnesses to repeat dialing, solicitation of private, confidential info to personal family and work members and refusal to stop calling me during work hours and on work phone.
i checked my credit number and i nocticed that i had stuff in my name that can not possibly be mine