WillisBack/dataset-financial-user-claim huggingface dataset:
For the time that I have been out of school, my student loan has bounced around to different " creditors. '' Each time it has been " sold '' to them, another surcharge has been added. According to my calculations, they've tacked on almost another {$1000.00} dollars on top of my {$3500.00} dollar loan. I have set up payment plans numerous times for them to be paid for about six months and then suddenly stop, putting my loan back in to default and adding on more surcharges. 
Now, my account is currently being overseen by Windham Professionals. I spoke with them around the beginning of XX/XX/XXXX, they were trying to set up yet another payment plan, stating my loan was yet again in default. When I asked to young lady to provide me with any statements or records of my account, she caught an attitude, claiming that I should have records of everything I paid and that it wasn't their responsibility to provide me with any information. 
To me, this seems like I'm being scammed. There should have not been any reason to put a stop on any payments i was making. This seems like they are purposely putting a stop so they can add more fees and collect more money from me. 
In XX/XX/XXXX alone, I paid off {$2000.00}.

in XX/XX/XXXX, another {$510.00} That is just what I've been paying since I've been working at XXXX. I do not have access to the statements from previous employment when I was set up to make payments automatically. 
They are currently saying I still owe over {$2000.00}
I bank with PNC Bank, they withdrew XXXX XX/XX/XXXX XXXX Overdraft Item Fee XX/XX/XXXX XXXX Overdraft Item Fee XXXX XXXX Overdraft Item Fee which cause my account that was not ( negative ) to become negative. 
I called PNC Bank, I was only able to ask that a manager call me back. When the manager did call me back, he was rude, arrogant and not helpful. 
He could not reasonably explain the charges, and was talking in circle. 
I just want the funds returned to my account.
I have XXXX dogs who at times require vet services. About 3 or so years ago this happened and I could n't pay so I was set up through Care Credit which as it was then only for pet vet care. The bills plus maintenance continued and I have n't been able to get a handle on it. When I have had to use the card the staff at the vets tells me that if my cost is " low '' my interest rate will be high. Like I have a choice. So I am backed in a corner paying {$10000.00} per month but it seems that the interest is more than the bill. Then independently Amazon wanted me to get their credit card which I responded to to get some perk and then I was going to cancel. I think it was the same outfit whic I believe is GE. So when the Amazon clicked on the availability of Care Credit was kaput. I 'm sure I 'm not alone in this. I am shocked that the least of us is penalized the most. Thank you.
inquiry victim inquires from companies i never authorized on 3 credit reports XXXX, Equafax, XXXX XXXX.
Inaccurate information on my credit report 1. XXXX XXXX account late payment status, XX/XX/XXXX reports as negative Due to do inaccuracy of this information i request you delete it from my file.
XXXX acct # XXXX XXXX Is reporting in my credit report Transunion and XXXX wrongly and is in violation and defamation of my credit right, Please have this account removed immediatly .This account was settle and paid off by me ( XXXX XXXX ) in the amount {$700.00} total in a monthly court agreedment for a $ XXXX monthly until account paid off, i have all documents to proved it.
XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX I've conducted no business with these companies. I am sure these inquiries are errors.
OnXX/XX/ I opened an online IRA certificate of deposit ( 12 month with an APY 2.50 % ) for {$1.00} with Capital One bank and completed an IRA deposit form. I mailed my XXXX disbursement check from XXXX XXXX for {$240000.00} instructing Capital One bank to deposit this check into the new CD as indicated on the IRA form that was attached. 

On XX/XX/XXXX, Capital One received the check and to my dismay they deposited the funds in to a regular savings account at 1 % interest without my knowledge. Even though Capital One had all of my contact information they neglected to advise me of any problems. Also, I never even received any acknowledgment that they even processed my funds - I had to call them. 
On XX/XX/XXXX I contacted their call center and found out that a regular IRA savings was opened. Apparently, they could not add the check to the account that I had opened. I indicated that an adjustment of accrued interest was due and had to escalate the problem to a Manager - XXXX XXXX explaining that I should be compensated for the loss of interest ( 1 % vs 2.50 % ). Several days later, XXXX explained that they can only credit 8 days from XX/XX/XXXX when the funds became available ( {$79.00} )? I believe that I should have been compensated for the loss of interest from the day of deposit which was XX/XX/XXXX.
I'm a victim of crime and I am a VICTIM of ILLEGAL MARRIAGES & XXXX & FORCED LABOUR WITHOUT PAY AND HIPAA VIOLATIONS & VICTIMIZATION OF CLONING & HEALTHCARE FRAUD. I AM PENDING XXXX XXXX XXXX CONTRACT PROMISES & MY LEGAL PAYCHECK & I AM BEING SMUGGLED & TRAFFICKED & VICTIMIZATION OF WAR CRIMES & I AM A VICTIM OF CHEMICAL RESTRAINTS & HUMAN GROWTH & RACKETEERING.
Diversified Consultants re cently started trying to collect a  XXXX  debt I do not owe and reporting to credit agencies. I had a  XXXX  account once in my life  fifteen  years ago in  XXXX  for four months while I lived in   XXXX   XXXX  ,  XXXX  for an internship in   XXXX   XXXX  . When I canceled my account, I returned all equipment to  XXXX . However, I received a bill for the cost of the equipment I returned. After literal hours and hours on the phone with customer service in  XXXX  of  XXXX , they located the returned equipment and marked the account as paid. I never received another bill.     In  XXXX , I noticed a different debt collector reporting a  XXXX  debt. I disputed the debt and it was removed from all  XXXX  credit reports. N ow, Diversified Consultants is  trying to collect this debt that I never owned and still reporting to credit bureaus despite my trying to dispute.     I do not owe this debt. Regardless, it is past statute of limitations to collect and is unreportable to credit agencies as any it would  be 15 years old. I do n ot have records due to the old age of the incorrect debt.
I am not supposed to owe XXXX for the items that I purchased. The numbers were fabricated and this being on my Acct is slowing me down from repairing my credit.
I am a veteran XXXX starting on XX/XX/XXXX. In XX/XX/XXXX, I terminated a lease early with XXXX XXXX under their military clause due to XXXX to move. I did not receive any notice indicating I was owed money. XXXX years later starting on XX/XX/XXXX, I began receiving a call from XXXX. I answered and spoke with someone who did not reveal their name on XX/XX/XXXX. He claimed I owed utilities from when I terminated the lease through the original end of the lease. He was rude and aggressive claiming that they waited as long as they did due to the Sailor and Soldier Relief Act. I said there was nothing in my lease indicating I would be responsible for utilities AFTER I moved out. He refused to send me any documentation proving debt and demanded my personal information, like current address. I did not give him any personel information and hung up on him when he started threating lawsuits.
I sent in the police report and the order from the judge to have the fraudulent information removed from my credit file to Aargon collection agency, and was told by the supervisor it will remain on the credit file even though it does n't belong to me. I indicated to the supervisor, by law it has to come off the credit file because it is n't my debt. It has been a month and it 's still displaying on my credit file. It is on all three credit reporting agencies. Please have this removed from my credit report, and conduct an investigation into this collection agency for illegal activity.
We have received another scam letter fro m Hunter Warfield, claimin g they are attempting to collect a debt for a company we 've never encountered and an amount we 've never owed. I am well aware how these organizations work in attempting to purchase debts from creditors, manipulating people with similar names into believing they owe a debt that is not their own, and harassing said people until they give in and pay a debt they do not owe. I will not stand for this again! Companies like this should be taken down by the government for their deceptive and shameful acts of extortion.
There a couple or several inquiries being report by Capital One Auto, there inquiries are not mine.They were never may by me on the dates I see my credit being pulled.Someone else must have made these or you company access my information without permissible purpose.I had just recently bought a car and was approved on by XXXX, so I would not have had or appled for a new loan or refinance on these dates neither.This is damaging my report and dropping my score as well.Also inquiries can not be disputed thru the credit bureaus I have tried, they said I need to contact each company directly about them and that the company needs to send a letter to have them removed from my reports.
I recently filed a complaint with Experian in regards to XXXX closed student loans currently only reporting by Experian from XXXX XXXX XXXX. In the XXXX dispute in XXXX Experian stated .... In regard to the student loan, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded with a request to have the account deleted from your credit report. The result summaries were sent to you on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 

in XXXX those XXXX loans are still being reported on my credit file when Experian stated in the previous dispute that the company asked for DELETION. 
i re- disputed this in XXXX XXXX and Experian stated ... You further indicate that you were informed that the student loans would stop being reported. You request that the student loans be removed. Regarding the tax lien, upon further research and investigation, we are in the process of removing the disputed tax lien from your credit report. At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you on XXXX XXXX, XXXX. 

how can they now say that it was verified as accurate if 2 years ago the company agreed to have them deleted? i supplied proof of the complaint and response. I also provided proof of the previous deletions. 

I BELIEVE THESE ACCOUNTS WERE DELETED AND REINSERTED AGAINST MY RIGHTS. ACCORDING TO FCRA If negative information is removed as a result of a consumer 's dispute, it may not be reinserted without notifying the consumer in writing within five days. It 's now been 2 years and i have not recieved such notice.
I have been in constant contact with Experian about these accounts listed below and when i send in a dispute telling them to correct certain errors they tell me that they will not investigate because they do not have to. The errors were clear as day but they refused to help me. Here are the accounts that i disputed previously to where i was denied to dispute any issue with the account after sending in new reasons for the dispute after the asked me too and i was still denied to dispute with them. So now these inaccurate accounts make me look bad and its not my fault. 
XXXX
In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.
I apologize as i have filed numerous complaints and the most recent one just concluded, I just paid my XX/XX/XXXX payment on XXXX XXXX via the Ditech website, I specifically paid {$2100.00} plus an additional {$100.00} to be applied towards the principle, for some odd reason, Ditech applied {$2200.00} towards the principal and left {$15.00} in the suspense, Why? i wont call because they do not help.
I had to use forbearance. I was n't told about lower payments. My payments went from around {$80.00} a month to over {$300.00} a month. With the interest like it is, I do n't feel like I will ever get it paid off. Plus I ca n't really get any answers. I realized I 'd be paying back more than I borrowed but not over three times the amount. A student loan should n't be how many times higher than a home or vehicle loan.
XXXX Master Card - {$1000.00} They closed the credit card completely was current on payments.

XXXX Card - {$250.00} They closed the credit card completely was current on payments. XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments. Lowe 's - $ -XXXX- They closed the credit card completely was current on payments.

Wal-Mart - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open. XXXX XXXX - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.
This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XXXX XXXX and requested that this information be removed and/or corrected. As of XXXX XXXX this information continues to appear on my credit profile.
I have disputed several accounts on my credit report with Experian several times. I first disputed with the original creditors, XXXX and XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
Discover Bank has failed to report a new credit line increase to all credit Bureaus. I used this credit, and my score dropped dramatically because they thought I was using nearly 100 % of my available credit.
The original loan was in excess of {$50000.00} to XXXX XXXX XXXX, we got caught in a financial crisis and were unable to repay correctly. They merged with or sold the loan to Greentree Financial who then sold the loan to Ditech Financial. During this we have continued to repay the loan to the extent the current balance is around {$12000.00}. We have every intent of repaying this loan completely. Our issue is that all of the compamies involved, XXXX, Greentree and Ditech are reporting the same loan as delinquent, charged off or a collection account. Since Ditech has had the loan we have not missed or been late with a payment. I do n't feel it is fair for all the companies to be reporting the account in a negative fashion when it is obvious we are trying to do the correct thing by paying the loan down and ultimately off. Other than the fact it was originally a collection account when Ditech got the account they should not be reporting as delinquent or in a negative fashion
There was a XXXX XXXX XXXX credit card opened in my name in XX/XX/XXXX. I don't or never had a XXXX XXXX XXXX credit card. I don't ever look at my credit report so i was unaware of this. Couple months ago when my debit card was used by someone other than me, my bank notified me and shut it off and issued me a new card. That is when I started looking at my credit, paid some things off. I did notice a collection from a XXXX XXXX XXXX. I investigated it and found that in XX/XX/XXXX XXXX XXXX bought that XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX XXXX. It showed {$700.00}. I disputed it because I never opened that account! On XX/XX/XXXX the dispute came back as verified as accurate that it is actually correct and it is going to stay on my credit report! I immediately filed another dispute that same day because I didn't open it and the amount went from {$700.00} to {$1000.00} the day the dispute came back! I did not open this account. Not sure how all this went under my nose and now I don't know how to correct something I wasn't involved with except someone used my information. I see at the bottom of this page it asks for documents. I have none that is why this is so bizarre! I only have what it says on my credit report which is not accurate! They can't make me pay a debt I didn't create! HELP!! 

Thank You
I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XXXX of XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XXXX of XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at Real Time Solutions and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.
I moved out of my unit inXX/XX/XXXXXX/XX/XXXX when a friend joined the lease and took over the unit. I paid the wifi bill to XXXX for XX/XX/XXXX and XX/XX/XXXX even after I moved out and my friend assured me that he changed the bill over into his name. I preceded to leave the country and the following year when I came back through town I discovered that he didn't change the bill into his name until XX/XX/XXXX therefore leaving unpaid bills in my name for XX/XX/XXXX and XX/XX/XXXX totaling {$110.00}. As a conservationist  I always request paperless statements from companies to lower my carbon footprint. Had XXXX honored my requests, I would have received an email stating that I unpaid bills and notifying me that the bill was in fact not changed over into the new tenants name. I was denied a car loan today because of this small {$110.00} bill that I have no problem paying but I do not want a bill that isn't mine to stay on my credit report for 7 years and affect my score and capacity to buy a car. The collection agency is called ICS.
Account has been paid of in full years ago. My wife made a complaint against this company regarding inaccurately reporting info on our credit reports. The company was removed from my wife 's credit reports through the credit bureaus but it was removed from my credit report. The account was a joint account with both names, XXXX XXXX and XXXX XXXX. Please remove from account.
Syncb/Walmrt inquiry from : XX/XX/XXXX est date of removal : XX/XX/XXXX this is a result of identity theft. 
i paid XXXX XXXX & the credit people to deal with this.

however, This Hard Inquiry is still on my credit report.
I received a delinquent notice for City property taxes on my condo on XXXX/XXXX/XXXX. PennyMac was supposed to have paid these taxes in XXXX. The city had added late fees and penalties to the total. I called PennyMac on the same day and they said the matter would be resolved. The taxes were due XXXX/XXXX/XXXX and I told this to PennyMac on XXXX. 

After calls on XXXX, XXXX, and XXXX, along with an email on XXXX, PennyMac still did not pay the taxes from escrow where there was enough money present to cover the amount. I have now paid the taxes myself and want PennyMac to reimburse the taxes from my escrow account and to also reimburse the late fees and processing fees from their funds.
Account # XXXX Ally Bank XXXX XXXX XXXX was turned in early on XXXX/XXXX/XXXX with a full maturity date of XX/XX/XXXX1. ) dropped off and filled out lease retun with XXXX XXXX in XXXX, MA. Dealer never returned paperwork to Ally. I provided copies to Ally 3 weeks later after calling 2. ) I  received a final bill for wear/tear inspection on XX/XX/XXXX for {$310.00}. I paid on XX/XX/XXXX and was cashed on XX/XX/XXXX. Check # XXXX 3. ) I purchased a new lease and the dealer ( XXXX XXXX XXXX, Associate name XXXX ) and the return debt for the XXXX lease was {$2000.00}. This was confirmed with both myself and new sales man. 
4. ) I have reached out to Ally on three occasions asking to settle and finalize the {$2000.00}. XXXX. They all state account is closed nothing owed. 
5. ) On XX/XX/XXXX I received a credit alert impacting my credit from Ally Bank for a debt of {$3000.00}. 
6. ) the amount is incorrect on all accords and the company states I owe XXXX. Nobody can resolve and my excellent credit has now been tarnished
The company does not work with me. I have been applying for lower monthly payments for the past 5 years and they always lose my paperwork so when I call they say I never applied even though I have the application number. I always get the run around and I can not ever speak with previous customer reps. I can not afford this my Mom was diagnosed XXXX XXXX XXXX XXXX. I need help.
I had XXXX XXXX Credit Card, which i was disputed as unauthorized charges due to ID theft. XXXX XXXX closed my account after investigation and sold to Midland Credit Management in the amount of XXXX, Midland Credit Management is trying to get money from me which i did n't owe.
XXXX and XXXX have deleted the XXXX account why I think having a auto loan in good standing would be good for my credit why was it deleted. There is no explanation. How much longer do I have to endure this I am literally ready to put a XXXX to my head this is XXXX. This game has to stop. There is NEVER any steps given how they come to there results.
Coinbase.com removed a total of {$100.00} from my bank account ( {$50.00} from checking and {$50.00} from savings ). This was an unauthorized transaction as I did not create an account with them. The reporting a fraudulent charge option on their site does not work and no one responds to requests. 

I have already reported it to my bank account.