WillisBack/dataset-financial-user-claim huggingface dataset:
I recently obtained a copy of my credit report and seen that the company XXXX XXXX is on my report and they keep changing my balance to make it look as if I have been making payments to them, and the truth is I have not because I was unaware that they were even on my report. So I have written the company 2 times and have not received a response from them with documentation about the information that they are reporting on my credit report. I have asked them to send me something about the information that they are reporting and something with my signature. The first letter that I sent our was on XXXX and I waited 30 days and did not receive any documentation from this company nor did they update my credit report as disbuted. So I sent them another letter on XXXX, and today is XXXX and I have still not received any information from this company, nor have they marked my credit report. However they have posted as if I have made a XXXX payment for the months of XXXX, XXXX and XXXX of XXXX, which in fact I have not made any payment to them because I am unaware as to what this account is and if it s truly even my account. They then tried to sue my brother in law because they attached him to this loan, but did not send me any notiication about the law suite . And this was after the statue of limitation had passed to be able to sue him or myself for that matter.
Reported XX/XX/2018 Amount : {$21.00} XXXX XXXX reported that my account was delinquent without notifying me of upcoming payment due date. I don't use that account for anything and only use of pride sharing like XXXX or XXXX but I have both of my bank accounts linked to to my XXXX for automatic deduction from my actual funds. I do not use the XXXX  XXXX account but I believe XXXX mistakenly deducted my XXXX  ride from the credit account this time. This was falsely reported and has now made me have a negative impact on my credit score. I will be submitting proof that all of ride sharing is deducted from my linked bank accounts to XXXX and NOT XXXX XXXX as well as proof of the erroneous charge to the XXXX XXXX. I am also attaching proof from my credit report of the delinquent notice issued. I have since paid the balance of the XXXX   XXXX but my credit score is still severely impacted.
Credit inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, all XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX These are all inquires listed on my XXXX, XXXX and XXXX reports..i have contacted all the companies on numerous occasions also I have contacted all 3 credit bureaus, they are still listed.

Listed below are accounts showing on my reports that SHOULD NOT BE LISTED XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Caine and weiner
I contacted QuickenLoans about a possible VA mortgage online. I received a callback from representative XXXX XXXX about a possible mortgage. Under false pretenses, and against my verbal reservations, I allowed him to run a hard credit inquiry for my credit score, knowing that it could negatively impact my score. I had already informed him that I had recently inquired on my credit scores from the " top XXXX '' ( XXXX, XXXX, XXXX ) within the last XXXX days, and he assured me that the scores were fine, but Quicken needed to verify. He came back and told me that the scores were XXXX points less than the report I had received from the reporting agencies listed above, and then proceeded to explain to me that the scores were " weighted '' for a mortgage. Nothing in the reporting I received from the agencies themselves indicated that there was a different score for mortgages than the score that was reported to me. I feel that I was coereced into allowing this company to get a hard credit inquiry, damaging my credit, when the representative did or should have known that my " weighted '' credit score would not have been sufficient for a loan from Quicken.
My name is XXXX XXXX XXXX XXXX XXXX 2016 I sent {$910.00} to my little brother XXXX XXXX for the family at Walmart on XXXX XXXX XXXX Ohio, the reference number given to me read error ( unable to look up reference number, transaction can not be received now, have customer contact moneygram..Ac error XXXX ) but moneygram system was reading that the money has been picked up which is not TRUE!!! 
I contacted moneygram over here ( CASE NUMBER..CRM XXXX ) ... .but all they keep saying they looking into it ... they have n't gotten back to me for once to tell me how the issue is being dealt it..now all I want is for moneygram to solve the issue by making sure my recipient has received the money since I was charged for their services ..so they need to hold their end of the contract and deliver the money.
I did not authorize any of the inquiries listed below please remove immediately XXXX XXXX Co Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XXXX XXXX XXXX + Bankcard XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX Inquiry from XXXX XXXX XXXX + Mail Order XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Bank XXXX Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXXl XXXX, XXXX. 
Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Credit Unions XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Complete Dept. Stores XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX 
XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, New XXXX 's XXXX XXXX from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX XXXX +
XXXX erroneously processed an in-network claim as being out-of-network. They re-processed the claim correctly and made additional payments and I then paid my remaining bill in the amount of {$100.00} on XX/XX/16. CMRE Financial Services is attempting to collect {$160.00} which is a remaining out-of-network amount from this original processing error and original bill. I confirmed with XXXX that all charges were re-processed, and that payments were made. I provided CMRE will all the receipts and correspondence between myself and XXXX. They never responded to my dispute of the charges, nor did they verify the debt, and have continued to pursue collection.
I have paid memberships to XXXX XXXX experian.com and XXXX. When I look at the factors effecting my score there are two items on the negative side that are wrong but they refuse to fix them because they say they do n't know how to fix them. The first item is on both my experian & XXXX  reports. In the negative factors it always says " recent late payment '' " time since late payment 1 month ago. Is says this constantly all the time for the last 3 year. Experian & XXXX are my lowest scores. The second item is on experian under negative factors it says " I have made heavy use of my revolving credit '' my debt to credit ratio is 19 %. This exact same item is listed as a positive on XXXX and equifax. So how can that be. A third problem with experian is every time I pay down or off a balance my score will go up on XXXX & equifax but my score goes down XXXX to XXXX points on experian for the exact same positive item. Every time I speak with experian or XXXX XXXX they put the blame on one another and nothing ever gets resolved
XXXX XXXX continues to report XXXX collection accounts from a XXXX XXXX that are not my accounts. I contacted a number that is listed for a XXXX XXXX on the internet and was unable to confirm that there are no accounts of this nature existing due to the faulty contact.
I have a collection on my credit report that I do not owe. It is for {$300.00} and it states that it was opened in XX/XX/XXXX for Experian and then shows it is opened on XX/XX/XXXX for XXXX and XXXX. This debt does not belong to me. As you can already see this has inacuracies on one bureau it states the account was opened XX/XX/XXXX and on the other 2 bureaus it states it was opened XX/XX/XXXX and I did not get any open accounts in XXXX of 2018 because I was out of the country for a full month and returned in XXXX. I have never signed any contract with XXXX XXXX XXXX now or will ever sign a contract with them. I expect this company to delete this collection of my credit report as it is negatively impacting my credit worthiness and I do not have any signed contract with them per FCRA 15 usc section 1681i. I can not believe that such information is put into someones credit report with such inaccuracies and this is not validated by the credit bureaus. I demand the bureaus to delete this immediately followed by a credit report mailed to my house with the deletion of this account. 
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.

2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Any insurance claims been made by any creditor regarding this account.

4. Any Judgments obtained by any creditor regarding this account.

5. Name and Address of alleged creditor.

6. Name on file of alleged debtor.

7. Alleged account number.

8. Address on file for alleged debtor.

9. Amount of alleged debt.

10. Date this alleged debt became payable.

11. Date of original charge off or delinquency.

12. Verification that this debt was assigned or sold to collector.

13. Complete accounting of alleged debt.

14. Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for " XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
ON XX/XX/XXXX I DEPOSITED ACHASHIER CHECK IN TO MY CHASE BANK ACCOUNT IN THE AMOUNT OF XXXX. VIA ATM, ON DRAWEE XXXX XXXX CHASE RECHIEVE CASH FROM XXXX XXXX   FOR THE MONEY ORDER AND PLACE FUND IN MY CHECKING ON XX/XX/XXXX FUND WHERE AVAILABLE, ON XX/XX/XXXX FUND WERE SUSPENDED FOR REASON THAT ARE UNCLEAR TO ME, I LATER RECEIVE A LETTER. 
SAING MY ACCOUNT WILL BE CLOSE AND ANY FUND WILL BE MAIL TO ME. FOR MORE THEN A YEAR THEY HAVE BEEN TELLING ME THE CHECK HAS BEEN MAIL TO ME.IN XX/XX/XXXX I RECEIVE A LETTER FROM CHASE BANK STATING THE MONEY WASW SENT BACK TO XXXX XXXX PER THIER REQUEST, WHITOUT EXPLANATION.
There are discrepancies in the amounts I owe on credit cards and the XXXX XXXX XXXX has been paid off. I have tried to file a dispute online but will not work.
In the year XXXX I had a problem with Bank of America after they spent several months processing the short sale of my home and telling me it was all set to close in the next month, then they told me they had in fact been processing the whole thing in the wrong department. I was not late on my mortgage ever. However, due to them causing a delay, my buyer backed out and we had to wait several more months to sell our home at short sale. At that point I could no longer continue to pay the mortgage since we had moved from XXXX to XXXX. I had the Attorney General office in XXXX involved. Bank of America said that they would report my credit as " sold for less than full amount '' but NOT show any late payments on the account since they had caused the problem. Then, in XXXX, when trying to purchase a new home, I discovered that they were reporting some late payments, which were from XXXX to XX/XX/XXXX. I contacted them and they sent me back a letter dated XX/XX/XXXX stating that they were notifying the 3 major credit bureaus to update my credit report to " not rated for the period of XX/XX/XXXX to to XX/XX/XXXX ''. Then, in XXXX, when checking my credit report on a random basis, I found that Bank of America once again had my credit report showing " 120 days late ''. I contacted them again and they sent a letter, dated XX/XX/XXXX, that they submitted the corrections to all 3 credit bureaus to remove the comment about 120 days late. 
I found out in XXXX of this year that this was back on my credit report again. I notified all three credit bureaus and sent a copy of the letter from XX/XX/XXXX. XXXX and XXXX promptly corrected the report. I checked my spouses and none of his have this on there, even though he was a co-signer. I have tried to get this corrected with XXXX for the past month and each time they investigate they state that they verified it with Bank of America. I have provided XXXX with the letter of XXXX and today I sent them another request to investigate this and sent a copy of both letters from Bank of America. Last week on XX/XX/XXXX I also contacted Bank of America. This entire credit line is due to come off my credit in one more year. However, I would like it to be corrected and to stay that way for the remainder of time it is on there. This makes a total of 3 times that I have found it wrong on my credit report.
To Whom It May Concern, I 'm writing to you because my house is being foreclosed on. the sale date to my house is XXXX XXXX is my XXXX modification that ive been on. the XXXX modification was back in XXXX XXXX '. I submitted everything they asked me for. then somewhere along the line my application for the modification got lost thru their cracks. if they can pull recordings and time stamped on documents that I submitted in a timely manner if you may please help me. my contact info. I may be reached any time anytime. thank you
Organ Case # XXXX Please view the original case # listed above. This investigation has taken well over thirty days with Equifax and Equifax has requested more time to work on this. However, Equifax has not followed up with me not has Equifax removed the inaccurate account with XXXX XXXX and the unauthorized inquires on my account. I have sent in to Equifax a copy of my ID theft report as well as a copy of the Police report. 

I have stated over and over that the XXXX XXXX trade line that is showing up on my account is not mine and the result of ID theft. THE ARE SEVERAL LISTED INQUIRIES on my Equifax report that I did not authorize and I am requesting deletion. 

Please do not continue to stall and neglect my requests. This has been a terrible process getting this taken care of.
On XX/XX/XXXX I deposited {$3400.00} in cash ( XXXX {$100.00} bills ) at a Chase ATM in XXXX, AZ. During the transaction the machine jammed and I received a " receipt '' stating " This device has experienced a technical problem '' without any record of the amount. I hand wrote the amount on the top of this receipt and immediately called the bank. Chase issued me a {$3400.00} credit while they " investigated. '' On XX/XX/XXXX they reversed the credit saying " there was no ATM error. '' After providing the receipt, they then admitted there had been an error, but that their ATM team found the machine to be " in balance. '' They refused to issue another credit pending a second level review and put my account into an overdrawn status. This has resulted in missed payments and I 'm now suffering adverse impacts to my credit.
I received a letter from Hunter Warfield dated XXXX XXXX, 2017 saying I owed them {$340.00} that they werre collecting on behalf of XXXX XXXX. 

I called them today but they only take calls during normal business hours. I sent them an email telling them I have no knowledge of such debt, have never had any interaction with XXXX XXXX and to cease efforts to collect such debt. I told them if I do n't hear back from them within 48 hours I would contact the appropriate authorities. 

Nonetheless, I want to start the complaint process now before this affects my credit.
Barclays closed my Arrival credit card account on XX/XX/2018. I maintain a credit score in excess of 760 and have paid all of my bills for over 20 years. Barclays claim they closed the account because of " Your history of account usage. '' What does this mean? I used the card to buy things and then I paid off the balance. 

At the time my account was closed, I had XXXX miles worth {$440.00}. Those miles were taken from the account. They easily cover the very small balance on the card.
XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF XXXX XXXX XXXX IS ATTEMPTING TO COLLECT FOR XXXX XXXX XXXX FRAUDULENT DEBT. 
They have placed this debt wrongfully on my TRANSUNION CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.
I signed up with XXXX XXXX XXXX XXXX to help me get control of my debt. I am paying them twice a month and they are paying my creditors including the Payday Loan Company CheckSmart. They have been notified and will start receiving payments soon. However they are calling my work every day and harassing me and this is causing me trouble at work. I believe it is illegal to call people at work and harass them. The Payday Loan is CheckSmart at XXXX XXXX XXXX, XXXX OH XXXX ( XXXX ) XXXX, also known as XXXX XXXX. It is Loan number XXXX. Please stop them from calling my work.
I took money out of my equity line of credit at 3.25 %. Then after my withdrawal period end date, the interest shot up to 7 %. I was never notified that that would happen when I signed the contract for it. It was in the contract that it the interest rate could increase up to 18 % but as a first time consumer of this product, that is an important point to be up front about. The product was from Washington Mutual which Chase bought out. Chase did not inform their personnel of this particular loan. 
I then informed the bank manager of what happened to me. She could not go back to the personnel who helped me to see what happened from her side. I asked her to inform all the personnel in the bank about my situation so that it would not happen to anybody else. 
I then informed my dad about his equity line of credit similar to mine. He went to the bank and got even a better rate of 2.74, very enticing. We went to the bank together and the personnel did not know about the hike in interest rate after the withdrawal period. She suggested that we lock in the rate but did not know the lock in rate. My dad believed that he was getting the 2.74 % rate throughout the loan period. I had to insist calling the loan center to get the right information. Like me he was misled.
My checking and saving acct. Was frozen some time back .XX/XX/XXXX. I was dealing with i XXXX mother, then i later found out i have a terminal deasese so i was to busy to worry about the bank. When anything sttledown XX/XX/XXXX i call sun trust back the bank manger told me my acct was frozen, noone could do anything with the acct. Untill the issue was resolved. Had more bad new gave up try to get my money. XX/XX/XXXX looked into the matter again and was told the acct were closed. I didnt close the acct.s told the bank manger just he was rude and nasty syi g this has been some time why are u just now coming to dind your money. .. go very anger left the bank. Was told later by another bank that i should have reacied the money that was in the acct when they was closed. I had XXXX in checking. XXXX in saving. I have tried fpr many years to get answer, but feel bc i was smart enough to know what was going on someone took advage of me and kept my money. I would llike to know where my money went and who closed out the accts. Bc it wasnt me. Im been sick for 3 years can hardly get out my bed. But still want answer.the last chevk i wtote was to XXXX XXXX for XXXX chevk numbet XXXX. When i check to see if the check had clear i was in the negtive, when i called i was told the accts. Were frozen and so on. Noone has showed me prove of anything .just talking
They have been calling and harassing my employer, my parents, my kids while they are at school my in-laws, sister-in-inlaws being very rude to them threating them.
I noticed XXXX XXXX on my credit report for medical bill that was paid by XXXX XXXX XXXX XXXX when I called they said I had two options pay or will go to credit report.
we where in folcluser with wells fargo we reached an agreement through the court and a magestrate to do modification on our loan, and one of the document in our agreement was the bank will autodraft from our acct 2 times a month the payment of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX wich they never did i tried for the longuest time to get them to do it and they say yes its done and all was a lie so in XX/XX/XXXX we made a XXXX XXXX XXXX dollar. to wells fargo and 2 month later still no payment drafted so we made XXXX payment to cutch up and same in XX/XX/XXXX no payment so we had to pay over 4000 to cutch up and they allways lying to me about seting up the auto draft even with court order and 2 days ago they field for forclusor im trying to save my house and they trying to steal it they had no intention of fixing the problem i have over 300 thousand in equity in my house and they trying to steal it from me and my kids every time i talk to them i spend over 2 hours on the phone and cant get no where and i do feel they have a problem with me personaly coz i have an accent when i speak, i do feel they are discriminating against me and i been us citizen for over 30 years. i dont know what i can do i need help with these thieves. they have no respect for the law they act like they are above the law or the law does not apply to them please help me save my house.
Ok, twice I got time out ... very upset ... your system does not offer to save a partially finished file ; I suggest you do this immediately ... 

I am blocked from a new account at US bank, XXXX XXXX, and XXXX XXXX both in XXXX XXXX, Ca ; the first at XXXX on XXXX XXXX, and the other 2 blocks down XXXX XXXX. 

They lied and said they could not pull up my account ; they refused to let me withdraw ; or show me the screen. 

I have 24 accounts under XXXX ; and several relatives that are XXXX ; XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ; there are other names for XXXX   relatives ; in all $ XXXX ; so I need the branch to order XXXX certificates asap ; I am willing to sign a release for DMV, DOL, plus I had an old mrtg loan in XXXX to verify my signature. 

I showed my id, and tried to get them to help me, and I believe they are committing these crimes ; identity theft, with fake id, tax evasion, racketeering, and XXXX, XXXX from XXXX to be deported ; and in the other branch ; XXXX from XXXX, and other XXXX XXXX back on the boat to XXXX!!! Deportation, Work Violations with immigration!
Penalized for paying off XX/XX/XXXX activity on XX/XX/XXXX! 

I have a XXXX card from XXXX XXXX which uses XXXX XXXX for credit card processing. When my monthly checking acct statement arrived on XX/XX/XXXX, I paid my XXXX bill in full. I was hit with a {$25.00} Late Fee and {$8.00} interest for paying TOO EARLY for XXXX. And, the card was frozen. This is 3rd time this has happened. Launch can not or will not get XXXX to desist and refund.