WillisBack/dataset-financial-user-claim huggingface dataset:
Transworld Systems Inc. is trying to collect a debt of {$840.00} on behalf of my insurance plan SSS. I have been with this insurance company for more than XXXX years now and they does not have any records about the referenced debt.
stolen license many years ago. changed my name to protect myself, but since 1992 my credit is always wrong, now someone has given fraud using my ssi, and gotten cards, real estate and more.i need to put a stop to this forthwith and prosecute those who are using my info. 
the ssi office do not help.and i was born and raised here.how can your office help make this right?
Im having a hard time getting my free credit report from transunion they say they cant verify if its me but wen i go on line put all my infirmation im aproved to get my credit report if i pay i dont have a past address do to incarceration i wrote them an sent them every every address i could remember no reply i need my credit report i believe someone is using my idenity i explaind to them nothing.
I have an eviction on my record from XXXX XXXX Apartments in XXXX XXXX XXXX, Utah. XXXX Apartments filed a retaliatory eviction against me. We went to court and settled that I would pay the remaining rent balance and not post anything online and move out at the end of XXXX 2015. I complied with everything that was agreed upon in court and in return they was supposed to give me neutral renters history. However after paying the balance which was agreed upon XXXX XXXX Apartments made extra demands for money that was not part of the settlement and have issued an eviction on my record. XXXX XXXX Apartment not only filed the illegal eviction but attempted to extort more money from me because of my military status and fear that an eviction would negatively affect my career.
on XX/XX/2016 ACH DEBIT XXXX XXXX XXXX was overdrawn and charged {$35.00} for NSF. AFTER THAT CHARGE ALMOST ALL CHARGES WERE GETTING OVERDRAWN MOST OF THEM XXXX OR XXXX I TAKE TO WORK AND BACK HOME. XXXX CHARGES TIMES {$35.00} TOTALING {$560.00}. I ATTEMPTED TO ADD CASH TO MY ACCOUNT WHEN I NOTICED WHAT WAS GOING ON. RABOBANK ALSO STARTED CHARGING MY ACCOUNT OVERDRAFT FEE FOR CONTINUOUS OD XXXX XXXX TOTALING {$25.00}
They called my fathers phone number. He could n't understand the first person so he said okay. They transferred him to someone else. The person got on the phone and clearly without verifying any information of who they were speaking with blurred out my name and stated that I owed a debt and that they were gon na take it to court. I myself as a debt collector know this is illegal.
On or about XX/XX/18 I logged into my XXXX account and tried to withdraw my balance of {$350.00} to my connected XXXX bank account. I received an error message, something to the effect of " withdrawl failed. '' I then emailed the skrill support at XXXX to alert them to the problem. I then ultimately received an email on XX/XX/18 whereby they informed me that my account was getting closed. They didnt really give me a reason other than quoting some of their terms and conditions etc. I assure that no fraud was committed by me in any way. I have no idea why they closed this account. I want an explanation and at a minimum I want the {$350.00} that was left in the account.
loan XXXX  fha XXXX XXXX XXXX I paid trial payments of total {$7500.00} when Ocwen presented the permanent loan mod the terms were too high to and including the interest rate, total payment there's nothing in the trial payments that say Ocwen can keep my trial payments the loan is now transferred to XXXX XXXX wherein I will need to start a new loan mod request which will require a new trial payments
I received a phone call today from Selene Finance attempting to collect a debt discharged in bankruptcy. My mortgage. Attached also is a copy of a letter I received on XXXX XXXX, 2015. I do n't understand why it is taking so long to foreclose on that house.
The second item reported is the same bill. I only have XXXX XXXX bill, XXXX debt owed to XXXX for XXXX amount and yet it 's being reported twice on my credit report. I do not feel this is fair practice. It 's obvious that one is an old account and the XXXX switched collection companys
I have deragatory marks on my credit report that I am disputing because they are false. The amount of debt they are claiming I owe is {$1100.00} I have paid and continued to pay the direct physicians office on these bills that have since been reported on my credit. I am NOT DELINQUENT. I have contacted them directly to get assistance in having this lifted off my credit report and I never am contacted back, and was hung up on when I explained the error.
I have a checking and savings account wit h USAA Federal Savings B ank bank for many years in  XXXX   XXXX , TX. They recently shifted to added security at login. Supposedly, they send a security code to an email address and then you enter the code. This is as far as I can get on a laptop. First, they send the code to an old email address no longer associated with my account ( I do n't know what is on my profile for sure, because I can not login ). By the time I get into the old email account, copy the code and enter the code, it has evidently expired because I get an " invalid code '' message. I tried it three times and no luck. The same error message appeared. So I called customer service  three  times and once spoke to a security rep supervisor. I entered my SS number, my  4-digit p in number, my member ID #, gave my bank debit card information and then they wanted more information about made-up past addresses lik e one from  twenty-five     yea rs ago ( wrong address ) when I worked for a company  XXXX   XXXX   XXXX  miles away from where I live now and ove r ten y ears ago  ( the plant no l onger exists! ) After another half hour or so, the public records proved false, so at that point I told them the public record information was not right. Despite my protest that the answers were not correct, the rep continued anyway. What more could they possibly need, well they kept on asking. I finally said enough! I want to close the account. But they would not let me, cause I have not been verified.  SSN, Member  ID,  25 random o ther passwords and personal information from an incorrect " public record ''? Please help me get my money out of this bank and close this horrible account or make them let me in to my own account.
The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.
I have items that were dated wrong, XXXX now showing up as XXXX, not sure why, not applied for credit more then 3-4 times now listed over 7 times which nick my credit down plus XXXX XXXX card we or I cut up and returned to company is listed on my report tried to ask Equifax if there my mom credit cards and on one of them why is this reported as thought it was all my debt since she is XXXX has health issues and asked me to get her things at the store or on line, as said not sure it seems to put my credit off it it assumes I am responsible fully for being added after the fact to one of her credit cards which I believe are in good standing. I asked could I be held fully for this debt and if its listed as both of us why income or only most half shown since I am not the original card holder but seem to get ignored I am also having mom remind XXXX. XXXX XXXX card was returned after I cut it up and she had me removed which was or should of never been sent as she removed me earlier that year. This is wrong and or dates wrong, had ID theft but if they have your info guess one is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX who is this and shows up twice why? Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXXwho is this Inquiry from XX/XX/XXXX XXXX XXXX XXXX date XXXX? Inquiry from XX/XX/XXXX XXXX XXXX CXXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX No idea who this is or why it is here. XXXX XXXX Inquiry from XX/XX/XXXX
On XX/XX/2018, CHASE made an inquiry into my XXXX file without my authorization or knowledge. CHASE has acknowledged that a fraudulent application for credit was submitted using my personal information, they contacted me when they caught that it was fraudulent, and agreed to delete their unauthorized inquiry but have failed/refused to do so.
I have a mortgage showing on my XXXX credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX grade. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my XXXX  report and any other report it may be reporting on.
XXXX XXXX is reporting that I owe them {$280.00} to all XXXX credit reporting agencies ( XXXX, XXXX and Experian ) for account I never open and address did not live. I have attached copy of lease of my residence I lived during the time XXXX claims I had service with them.
I applied for the American Express Platinum card with American Express and got approved for the card on XXXX XXXX, 2016. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XXXX XXXX, 2016. As I noticed the card was not as good as I expected ( for example, the card was unexpectedly not widely accepted by many stores when I was traveling in XXXX, but I could use any Visa or Mastercard credit card ), I asked to close this account in early XXXX, 2016. Before I let the Amex representative to close the account, I asked the representative if I would lose the XXXX Membership Rewards after the account was closed. I was assured by the representative that no Membership Rewards in my account would be lost, including these XXXX Membership Rewards, as long as I kept my Amex Premier Rewards  Gold card open, which could keep all my Membership Rewards in my account. After getting this promise from Amex, I asked the representative to close the Platinum card, and kept using my Premier Rewards Gold card ( ending with XXXX ) until now. However, to my great surprise, I found after my Platinum card account was closed, XXXX Membership Rewards were removed from my account on XXXX XXXX, 2016, shown " adjustment ''.
XXXX recent credit inquiries appear on my credit report with Equifax without my knowledge or authorization. XXXX and XXXX did not have any verbal or written authorization to check my credit.
My home was foreclosed XXXX/XXXX/2017 by the second mortgage holder. The first mortgage is currently with XXXX mortgage balance {$270000.00}. 
I 've spoken with XXXX and they were not notified other the property foreclosure sale and they are the 1st Mortgage Holder. I also did n't receive the appropriate 30 day notice that is required by Tennessee Code Annotated for the state of Tennessee.
I was at a jewelry store ( XXXX XXXX in XXXX, CT ) in XXXX 2017 to look at engagement rings. The employee offered to check to see how much credit I would qualify for as it was 13 months of 0 % interest. I agreed to get it checked. They came back with a $ XXXX limit. I said i did not want to open a card at that time as I was still looking at different stores and ring options. Later that month I get a notification that a card has been opened with a $ XXXX limit. 

I called the store and they would not help and said I should contact Wells Fargo who is the " servicer ''. I called them and they opened a ticket to look into the situation. Nothing came of this investigation and they kept the card open.
I 'm making this complaint against Navient, who is currently my student loan provider, which once was XXXX XXXX. I want to start off by saying that I graduated from Virginia XXXX College in XXXX, and when I graduated, I owed almost {$49000.00} for my loans. It is now XXXX, and I still owe almost {$43000.00}. So I only paid off {$6000.00} in 12 years. That just does n't add up. Moreover, when I 've looked at my statements, they do n't make enough sense to understand how my payments are being applied. They just kept increasing my payments every year. It went from {$220.00} per month for a little while, then just kept gradually going up to {$260.00}, then {$270.00}, and then to over {$330.00}. Furthermore, I changed jobs in XXXX, and I could n't afford the monthly payment they had me on, so they pushed me into deferment for my loans. I did n't pay on my loans for several months, and then they finally offered me income based repayment. So it lowered my payment to {$98.00} per month, which was all I could afford at the time. So they had me on that for a year, and then when I reapplied for it in XXXX, my payment went from {$98.00} to {$220.00}, which made absolutely no sense because it was still supposed to be income based repayment. I knew my payment would go up a little because I got a raise, but my income had not increased enough to justify making my payment over {$200.00} a month. So once again, they offered to put off my payments, but this time they pushed me into doing forbearance. So I had it in forbearance for over six months, now I 'm currently back to paying {$220.00} per month, which I can barely afford. I 'm barely making ends meet, and they refuse to work with me at all. They refuse to lower it anymore. The only thing they ever offer is forbearance or deferment.
Ditech handles my mortgage. For four months, statements showed that I had an unapplied fund balance. Within the statement it stated " any partial payments that you make are not applied to your mortgage, but instead are held in a separate in-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' So for XX/XX/XXXX, I paid the balance of a partial payment. Instead of applying the payment to my mortgage as stated, they paid off my late fee balance. The late fee balance was their for the last four months as well. Why did n't they apply the unapplied funds to my late fee previously? Since they paid themselves first, I am now showing late for XX/XX/XXXX and owing XX/XX/XXXX, instead of just owing for XX/XX/XXXX ( which would make me current ). My priority was to catch up on my mortgage and chip away at my late fees. How this was handled seems very unethical and an attempt to keep me in a late status ; in addition to continuing to hurt my credit score. It 's very upsetting that they chose to apply funds this way, instead of helping the consumer.
On XX/XX/XXXX I paid the balance of my Citi Diamond Preferred card in full. The payment was made through the Citi online portal. The representation was that my balance had been paid in full indicated by choosing the " Pay your entire balance '' & " {$0.00} owed ''. As well, my balance available for purchase after my payment was the full amount of my credit line. I have not used my card since paying the balance in full. 
On XX/XX/XXXX Citi Card charged additional interest fees, presumably the finance charge from the previous month. On, XX/XX/XXXX Citi notified me that I was delinquent on my payment. Upon contacting Citi I was informed that 2 late fees were assessed on top of the interest charge from XXXX. I spent over 1 hour being transferred back and forth between departments who could not explain the charges to me plainly. I was told that Citi could not tell me how the entire balance represented on the account had been calculated and that they would not be able to remove any of the late fees. We settled on a nominal balance that represented double the interest charged originally. I still did not receive a clear explanation of what this amount consisted of.
I understand that I am responsible for paying the interest for purchases that I made however, I feel that I have been unfairly charged late fees, as well as unknowingly causing potential harm to my credit to benefit the bottom line of a muti-billion dollar bank.
The process of paying a nominal ( under {$20.00} ) interest fee was exhausting and in my opinion completely unnecessary. I feel that Citi purposefully designs their customer service lines of communication to deliberately frustrate and confuse their customers so they will relent and pay erroneous and exorbitant charges.
I opened an account with CHASE in 2005, The card was paid in full and closed. I owed no money in the credit card before I closed it yet XXXX XXXX XXXX has this account in collection with the full credit amount / total that was paid off. XXXX XXXX is egregiously Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices by reporting on my credit report an account that was fully paid for before closing.The same account that is being reflected by the original creditor ( chase ) on my credit report as paid in full and balance as XXXX, XXXX a collection agency is reporting as i own a balance of XXXX. The credit limit on that account was XXXX and was paid off even before exceeding the limit.
I have been paying on an old installment loan debt that was with HBSC. After falling behind on payments the debt was supposedly purchased by XXXX XXXX XXXX in 2012. I have paid roughly {$10000.00} of a {$17000.00} debt. However I have repeatedly asked for statements which this company refuses to comply with. I have asked for a copy of the original agreement which I have never received. The company threatened to sue me if I did not set up automatic payments of {$150.00} every other week corresponding with my pay days. They set them up on a debit card but if the debit card does not go through they send it through as a check the following week which can result in a returned check fee if the money is not available. I do not believe I ever agreed to this and do not have a copy of the original agreement. The payment arrangement was set up over the phone in 2012.
Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history. 
This situation continues to have a significant damage an impact on my wife 's fragile health and medical status, continues to cause mental anguish and negatively impact our long term relationship and is causing significant damage to our ability to the peaceful and quiet enjoyment of our personal financial lives.
XXXX XXXX XXXX XXXX XXXX sent me a letter certified mail I received XX/XX/2018 for the amount of {$3200.00} plus costs. they wrote " FAILURE TO COMPLY WITH THIS INFORMATION SUBPENA MAY RESULT IN YOUR ARREST AND INCARCERATION ''. I never received a court order or anything directly from the court requiring me to do anything.
his letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be properly verified or removed immediately.

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Purchased appliances a t HH Gregg Store i n  XXXX , Fl. on  XXXX / XXXX /  XXXX   in amount of {$4300.00}. Purchased additional appliances on  XXXX / XXXX /  XXXX   in amount of {$1300.00}. On  XXXX / XXXX /  XXXX   went to store to schedule delivery date. Sign at store said store closing. Asked to have order cancelled and told by employee  XXXX   XXXX  that store could only give credit of {$2800.00} credit  as HH Gregg fili ng bankruptcy. Cancelled order for several appliances in amount of {$2300.00}.  XXXX  indicated remaining appliances would be delivered. After several promised deliveries were cancelled by  HH Gregg my  wife received a phone call  from HH Gregg saying  appliances would never delivered. Purchases were all made on HH Gregg/Synchrony bank credit card. Name on credit card was  XXXX   XXXX   XXXX , Account #  XXXX   XXXX   XXXX   XXXX . I have written Synchrony Bank on  XXXX  via  XXXX  certified mail and have receipt of delivery dated  XXXX / XXXX /  XXXX   by Synchrony bank. To date I have not heard from Synchrony bank regarding these disputed transactions as required per their instructions.Please call me to discuss.  XXXX   XXXX   XXXX   XXXX . Thank you,
On XX/XX/2018, I sent certified letter to Experian Credit Bureau due to unknown and unvalidated credit accounts. I received a Dispute Results dated XX/XX/18 stating the investigation was complete. However, the information remained the same. I sent a second certified letter on XX/XX/2018 requesting the documents that were used to verify these accounts and the name of the person who verified these accounts. I received a Dispute Results dated XX/XX/18 once again stating the investigation was complete but no supporting documents. The accounts in question are from Creditors : XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX.