WillisBack/dataset-financial-user-claim huggingface dataset:
We had a Business Account with XXXX XXXX XXXX. In XXXX XXXX, fraudulent activity occurred and money was withdrawn from the account. We had to fight the bank to get them to do anything to stop this. After 3 visits to branches including one located in XXXX XXXX, MD ( we were on vacation when this occurred ), XXXX, MD and XXXX, MD and numerous phone calls including speaking with XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX who blocked us out of our account, XXXX ( did n't get last name ) was told 10-14 days before anything could be done, and XXXX XXXX on XXXX/XXXX/XXXX who finally told us we needed to fill out an affidavit of fraudulent transactions to get this process started. When we read the affidavit we noticed that XXXX XXXX had listed the person, XXXX XXXX, who had written fraudulent checks, as the owner of our business account ( I have the paperwork for this ). Checks that we had written continued to come in and our account continued to be overdrawn in addition to them returning the payments so we had to pay fees on the other end as well. We finally were able to get some of the returned item fees refunded. On XXXX XXXX, XXXX we went into the branch to close out the account. We were told we had to pay {$520.00} in overdraft fees in order to close our account. We paid these fees, against our better judgment, but just wanted to be done with XXXX XXXX as it was a complete nightmare dealing with this situation. On our statement for XXXX, it showed that we paid the fees and had a zero balance on XXXX XXXX, XXXX. On XXXX XXXX, XXXX @ XXXX XXXX, we had received another statement from XXXX XXXX stating that we owed {$20.00}, so we called and spoke to XXXX and was told our account was closed the end of XXXX and we owed nothing as we had a zero balance. We just wanted to be done with XXXX XXXX, but we received a subpoena from the XXXX XXXX for XXXX XXXX to appear in court regarding XXXX XXXX, the person who made fraudulent checks and cashed them at 2 different XXXX XXXX locations. We took time off work and appeared in court on behalf of XXXX XXXX on XXXX/XXXX/XXXX. His case went to trial and we were asked to appear again XXXX/XXXX/XXXX again on behalf of XXXX XXXX. We have gone above and beyond for a company that is incompetent, completely dysfunctional, very unprofessional. and stole money from us by requiring us to pay {$520.00} in order to close our account because a teller did n't notice the fraudulent checks that look nothing like the checks that we used. Again, we paid this in order to be done with XXXX XXXX. But, on XXXX XXXX, XXXX we received a letter from a collection agency stating that we owed {$90.00} to XXXX XXXX bank. We have no idea what this is for. We sent a letter to them today, XXXX XXXX, XXXX asking for a letter of validation of the debt and what they are collecting for.
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. 


The account is posted on my credit report filed date XX/XX/2014 to current. 

Amount {$510.00}
On XXXX/XXXX/2016 I refinanced my mortgage from a 30 ryear to a 15 year, with the same lender, Stearns Lending. It was an FHA refi. They reported me as paying late as of XXXX XXXX 2016 because the title payoff they received on XXXX/XXXX/16 was a few XXXX short. they received 99 % of the payoff on XXXX. Did n't even attempt to contact the title agency until XXXX/XXXX/16 to report the fund shortage .Regardless, my payment was not over 30 days late because they received almost the entire balance of my mortgage on XXXX which was far more than my {$1300.00} mortgage payment due by the XXXX .... I have tried for a week to get a hold of them my credit has gone down XXXX points and is now affecting my ability to lease another car. I 'm at my wits end I do n't know what to do this is very very dishonest of them and no one will fix it. I have not had a late payment ever.
The account was opened   XXXX   XXXX   XXXX   for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement.and tried to resolved it for over 1 year.      The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( EXHIBIT A ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck.    In Credit report Agengies, it is stated as FP ( Fail to Pay ) as of   XXXX   XXXX   and I sent a letter to both  XXXX   XXXX   XXXX   XXXX  ( Exhibit C ). The creditor sent a letter to confirmed that I made full payment to the creditor and invited to apply and gain a new card ( EXHIBIT D ).   The creditor agencies reported in my payment status as Legally paid in full for less than the full balance  XXXX  Exhibit B ) which is wrong after getting my result of my complaint from CFPB.    The Creditor Agencies punishing consumer who exercise their right to ask for fair credit report treatment by keep on reporting wrong information in the credit report. Please can you step in to help me resolve this problem w hich over  XXXX  years now.
XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have paypal mastercard also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX. XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.
Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX. 
I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.
I 'm a victim of identity theft someone got hold of my information and try to opened up accounts in my name.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX   Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/2018 + Bank XXXX Inquiry from XX/XX/2018 + Bank XXXX Inquiry from XX/XX/2018 + Bank XXXX Inquiry from XX/XX/2018 + Bank XXXX Inquiry from XX/XX/2018 + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 + Inquiry details XXXX - XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX   Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card XXXX. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX Inquiry from XXXX XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
In XX/XX/XXXX or XX/XX/XXXX Ditech Mortgage Co increased my monthly payment. I was never notified of this, they had a wrong address on file, but they did have my correct telephone number and no one tried to call. The mortgage company process will not post a lesser amount as a payment, they just hold on to it, by XXXX, they sent a report to the credit bureaus for 30 days delinquent. As soon as I was aware of the situation I called and made a payment and ask them to work with me and reconsider the credit report, I was unaware of the increase and I sent in a payment every month since XX/XX/XXXX. The contact on the phone stated they could not help me. I requested to speak with a supervisor and after a long wait I was transferred to a recording. I left contact information, but no one every returned my calls. Please help me work with the mortgage company to remove the delinquency from my account, I never missed a payment and I know have lost over 100 point from my Credit Score and it will remain on my account till XX/XX/XXXX. THis just is not right please help me.
XX/XX/XXXX I got a advertisement from USAA credit card company to transfer high interest credit card balance to them with no interest if promotional transfer paid off in 18months. I foolishly transferred {$2300.00} to USAA. I find out that for the last 3 months I have been charged 18 % for transfer balance plus 18 % on current principle- That a combine rip off interest of 36 % ( is this not loan sharking ). I have made payments as high as {$1100.00}. {$700.00}. {$500.00} etc. The problem is that USAA applies very minimal to balance transfer ( as little as {$20.00} ) at times. This will cause the transfer balance fee to remain till entire balance is paid off. I am in process of paying this off as soon as possible. The sad part is that I would have never allowed my balance to get to this amount if I had known ( thought I was saving?? ). THE REAL SAD PART IS THAT USAA HIGHLY ADVERTISES THAT THEY ARE THERE TO ASSIST VETERANS AND MILITARY PESONNEL. SOUNDS LIKE THEY ARE HERE TO HELP US VETS OUT OF OUR FUNDS.
I received a voicemail stating " This is a message from Synerprise Consulting Services. This is an attempt to collect a debt. Please call us at XXXX or visit us online at XXXX. Again that is XXXX or visit us online as XXXX. Thank you This was received today XX/XX/17 They NEVER once said who the call was for. Never heard of them and never received prior communication from them.
My TRANS UNION credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX  XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this XXXX XXXX credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified TRANS  UNION in writing the full description of this account, and requested them to contact XXXX  XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my TRANS UNION credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call TRANS UNION and tell TRANS UNION to start reporting this account on my credit report. Neither TRANS UNION, nor XXXX XXXX XXXX XXXX, have done anything to rectify this omission on my TRANS UNION credit report.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
I looked up deferred payment on the wed site of Bridgecrest and call as asked for one. I was told they do not have a deferred payment plan at this time. I asked to be transferred to a supervisor and she told me I had to provide documentation before deferred payment could be provided. If a company has a deferred payment plan it should not require consumer to provide proof before even considered. Deferred payment only moves one payment to the rear and should not be hard to do when the consumer payment record shows no late payments or missed payments. I am a XXXX veteran and to see a company not provide services to consumers is unacceptable.
Experian is in direct violation of the Fair Credit Reporting Act. I have reported them on numerous occasions and have contacted a lawyer regarding a Class Action Suit. Their direct violation of continuously reporting erroneous information needs to be stopped. They have completed an investigation into the following account only after 3 days! This company has been contacted on various occasions and can not provide any direct link of myself to this account with any identifiable information : XXXX --  account # XXXX
They just want money, money, money ... they do not care if you are struggling with payments. They do not care. They are arrogant and disrespectful people. All my attempts to contact them and asking them to set up a payment plan ended up asking for more money from me. I am not sure if they are XXXX  or not but I am getting angry for not being heard. I will dispute any negative information on my credit reports as i was not aware that they report to them.
Many numerous third party inquiries on my credit report that I did not ask for. Called many of them, and nobody picks up and states office hours are closed when theyre open. I never asked these people to inquire about my credit.
I learned about my debit when I was denied for a car loan. I had a perfect XXXX score and to my surprise, I discovered I had a XXXX and did not know why. After pulling my credit report it I found that I had a debt against me of over {$700.00} from XXXX. All I could find was the name Sequium Asset Solutions. I spent the next 3 days calling, emailing and leaving voicemails. I never received a return call. On the 4th day, I was able to speak with one of the rudest people I have ever spoken with. I was unable to provide any reference number as I had never received a single letter, email, or phone call notifying me of the debt. I was finally able to get the woman to pull up my information and they had an address that I hadn't lived at in 10 years. The woman continued to be rude and kept asking how I planned to pay for the debt. It appeared to be from an account I opened when I was XXXX, but that my parents had closed and might have not paid the bill. I don't have any proof of the debt or any paperwork on my rights or how to pay it, but yet they keep increasing the cost even though I was never notified. I learned of the debit on XX/XX/18 and set emails the XXXX, XXXX, XXXX. I also called all 3 days before finally reaching someone.
In XXXX I move out off apartment that I was renting. 
Deposit of {$500.00} was in question when I left the property. 

XXXX XXXX sends this account to collection, without notification. 

The only balance was left was {$500.00} prorate rent for XX/XX/XXXX, but they did not return my deposit. 

My balance was at the time {$500.00} to XXXX XXXX apartments In XXXX XXXX, CA. 

Last year trying to build credit, lender run my credit and shows a balance of {$2000.00}. 

I request the credit companies a validation of the account to find out : -How they came up to this balance? From {$500.00} to $ XXXX-I offer a Settlement-I offer a payment plan with something in paper to reflect this agreement. 

They came back with, I had to pay or there attorney will proceed ; know collection calls asking me to pay full balance. 
When account was Charge off. Status of Limitation was check in California is 2 year. 
I started contact ; I initiated conversation and XXXX call. 
I submit a request to the credit bureaus but, they only send me a charge statement from this Agency. 

Company failure to comply with : -break down of fees-copies of the original contract-provided name or manes of account ( Attorney ) - Harassing me with calls- Company failure to comply with copies of records within 30 days. 
-refuse to work with me-damage my credit - reporting account I was not informed I had. 

Please see attached documents I have send to credit companies. 
Please, know I am asking for deletion of the account. 
This collection had created a financial impact in my credit for many years. 
Not able to obtain credit, not employment. 
Creating, : Stress, fair, and emotional stress that have affected the stability and peace on my family. 

Thank you!! 
XXXX XXXX
Experian continues to report address that do not belong to me or that I have never lived at. They continue to report my Name incorrectly. My name was changed by sealed court order to prevent XXXX XXXX. They are enabling this by contuing to report incorrect information. I have told them this. I have told them about the identity theft. I've faxed the police reports and FTC reports to no avail. 

My name should be listed as XXXX XXXX and only XXXX XXXX. 

My address should appear as XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX and Only XXXX XXXX XXXX XXXX.
My loan was transferred from XXXX to Freedom Mortgage in XX/XX/XXXX. My annual escrow analysis was due in XX/XX/XXXX and none was performed. I called Freedom Mortgage on XX/XX/XXXX to request an escrow analysis as my escrow balance is almost 5,000 and I would like the excess paid out to me. The customer service agent informed me that he is unable to submit the request for an escrow analysis and that I needed to email a generic email box with my loan # and request the escrow analysis. Notwithstanding the fact that I found it entirely ridiculous the agent was not able to submit the request on my behalf, I sent an email to the address provided requesting an escrow analysis. I received an automatic reply stating that my email was received and that they would review my request. As of XX/XX/XXXX, I have yet to receive a response.
Collection USA INC Account XXXX {$4900.00} Breach of lease in AZ was caused due to domestic violence and the leasehold office allowed my ex-husband to enter my apartment without notifying me ( only on lease ). They witnessed him climbing the balcony and did not notify the authorities. The Collection Agency did not do it 's due diligence when dispute was filed. State Law ( XXXX XXXX. XXXX and XXXX )
In XXXX I leased a vehicle from Honda. In XXXX before my 2 year lease was up I lost my job and my home. I did what I had to do and paid for my truck until the date of completion in XXXX. I paid everything I owed and handed in my vehicle and keys. I have been financial stable and back on my feet since XXXX. I am currently in the process of retiring my credit so that I can purchase a home for my children. While reviewing my report I noticed that my account American Honda is listed on my account as " Not in good standing ''. When I requested to have to item removed that delisted it as a charge off further decreasing my score. I would appreciate some help because this is unfair.
I sent in several certified letters to all   XXXX   credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.
I have addresses listed on my Trans Union Credit Report I have never resided at. The following addresses do n't belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX
have a mortgage at Ocwen, XXXX XXXX requested escrow analysis as taxes had decreased they sent XXXX, an overage check and new escrow payment was lowered, went to make mortgage payment today and my payment has increased by {$52.00} with no notification. my taxes are only {$1600.00} a year and they want to escrow {$200.00} a year for my taxes. was on phone with them for one hour. asked them why they never notified me of the change, said that somebody cancelled the escrow analysis XXXX. when I asked why they did not know. I was under the impression I was to be given 60 days notice prior to change in my mortgage payment and I was not. this all happened XXXX/XXXX/XXXX. my escrow balance is XXXX, my taxes are XXXX, by the time the collect XXXX monthly, they will have collected over XXXX, way more than needed. so again I had to request an escrow analysis today XXXX/XXXX/XXXX so they can see their error. I am complaining that they raised my mortgage payment without notification. also my loan had been in a chapter XXXX, that was discharged 2 years ago, several times I have asked them to correct their system, but nothing happens. when I asked today, they spoke to some body and told me that they knew it was discharged but they have never taken that status off my records. this hurts my credit. when I asked again when they were going to correct it, they did not know