WillisBack/dataset-financial-user-claim huggingface dataset:
I am submitting this new case regarding incorrect information on my credit file. I had submitted a case regarding this issue almost 2 years ago ( XXXX/XXXX/XXXX ) under case XXXX. There were additional cases opened ( XXXX, XXXX, and XXXX ) all regarding this matter that transpired from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. This debt was never validated by the company. They also failed to send me proof that this was valid. I requested numerous times that this issue be resolved and the collection agency continued with harassing phone calls in an attempt to collect this {$140.00} debt. I was under the impression that this issue was resolved in XXXX, however it appears that in XXXX of XXXX, XXXX added this collection account back to my credit report. This needs to be removed and not allowed to be added back to my account. 
Please assist in resolving this issue. I am attaching the original letter sent to XXXX and a copy of the collection account on my credit report.
My credit card accounts with US Bank were all frozen and later closed, $ XXXX worth of reward points were confiscated with no notice. I have never paid late or broken any of their terms and conditions.
We applied for modification with our mortgage servicer  Nationstar  on  XXXX   XXXX ,    2017  and it took them several months to ultimately deny our request. During all that time and numerous contacts ( close  to 75 phone conversations and at least 20 written communications ) they never mentioned one single time that being late on our mortgage payments WILL 100 % negatively impact our ability to refinance if our    modification is denied. They did n't say that there are guidelines which all the banks  have to follow.     I believe that our mortgage company intentionally chose not to share that information with us in order to get us exactly where they wanted us : - Now we can not qualify for refinancing with ANYONE until we bring our account current and are stuck with the 8.5 % interest for minimum of 12 months with Nationstar.     We could have borrowed the money to make payments on time during the process and would have been able now to refinance without a problem with the kind of equity we have. Instead, we 'll have to pay an extra  $ 12,000+ in interest until  we can even apply for refinancing.     I hope somebody who 's reading this will see through an unethical practice of this financial institution and penalize them heavily for hiding the facts in such a sleazy way!!!
On XX/XX/XXXX I disputed this XXXX bill of {$66.00} with XXXX XXXX having already disputed with someone else and mailed information to the company proving that I was not in the area at the time they were trying to collect the debt. Nothing happened except they passed the debt to another company. 

On XX/XX/XXXX I received another collection notice from Afni, Inc. only this time they do not give me my rights to dispute the debt and are now trying to collect a XXXX amount of {$66.00} and a notice that they will take a discounted amount of {$43.00}. 

I am attaching a disputed letter to Afni, Inc, disputed letter to XXXX XXXX and a copy of the collection notice from Afni, Inc.
I filed complaint XXXX regarding a bait and switch scheme by Capital One credit cards. Someone from Capital One 's corporate offices responded and left a voicemail, but the contact information included in her message ( an 800 number, extension, and case number ) did not allow me to reconnect. The 800 number was for a general customer service center and the three separate attempts made and agents contacted were not able to connect me to the person who left the message, the case number or extension provided, or even find notes about my complaint/situation ( despite previous contact with Capital One customer service ahead of the initial CFPB complaint in an attempt to resolve the issue myself ). I have no way of responding to Capital One 's voicemail and there have been no further attempts to contact me.
I have not gave permission for these companies to run my credit : Credit Plus or XXXX to run my credit. Please remove this from my reporting. Thank you so very much! 

Credit Plus has run my credit on these days : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX has run my credit on : XXXX/XXXX/XXXX
I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : 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/XXXX/XXXX
Filed for Bankruptcy in XX/XX/XXXX because of a divorce, received moneyfrom the divorce in XX/XX/XXXX, I paid all bills I had filed on and withdrewthe Bankruptcy. Had not been a month till I withdrew the BK. Today is XXXX XXXX,XXXXand I still have not been able to get this taken off my credit report. It is showing aBankruptcy dismissal. I did not go through with this yet it is still on my report. I have been denied a Home Loan, a small personal loan, a credit card, an apartment, and even have to pay higher prices for utilities to be turned on. I am a XXXX senior citizen living on a fixed income. I feel I have been treated unfairly because of this BK.I would like for this to be taken off, since I did not go through with this. It is effecting my credit score XXXX pts. 
I try very hard to keep my credit score up.
Account XXXX Im requesting to reopen the disputes for charge I made on XX/XX/XXXX XXXX XXXX {$710.00}. I tried to dispute this transaction but Chase customer service was not helpful at all.
Navient will not let you get the forms you need to apply for income based repayment until after your account is past due. Additionally when you call their phone number for help and ask for customer service the automated system keeps hanging up on you if you ask for customer service.
Hello, I have a folowing situation - I just XXXX XXXX to USA and I don't have any credit history, good or bad. 

I went to XXXX XXXX XXXXXXXX in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of XXXX XXXX XXXX in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but XXXX kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from XXXX XXXX XXXX ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history. 
I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card  anyways?!
On XX/XX/XXXX US Bank offered me a visa credit card that only could be applied within the bank that's how bank employee made their monthly sales quota. The person that I had lied about the percent rate she said it was going to be zero interest rate for 15 months and after that it would be 9.9 percent to my surprise it was 24 percent, I told them many of times that it was fraud committed within the bank. I made over 50 calls trying to resolved this matter I tried to get them to lower my interest rate but they wouldn't help me. They keep saying your account is in good status you have to be delinquent to get a low interest rate. I told them I can not afford to make the payments at that rate they refused to help me I spoke managers and supervisors I obtain a police report XX/XX/XXXX hoping that would help but no they messed my credit report up I ask them to take some of the interest off my account and remove it from my credit report I was trying to work it out with them so I can a payments. On XX/XX/XXXX I spoke with a supervisor she said the bank file a complaint on me. The collection representative was yelling at me and talking smart I told her I will hang up on her she said hang up. Then I call her a name this situation is causing me a lot of stress pain and suffering please help me.
On XXXX XXXX 2015, I notified US BANK that I was closing my account and that I was transferring my recurring bank drafts to my new one. On the same day, I notified my linked credit card with US Bank and closed the account. There was approximately {$50.00} left in the US Bank account and I did n't make any deposits because I had successfully transferred all of the bank drafts to my new bank account, additionally, I did n't have any outstanding checks. On XXXX XXXX 2015, US Bank paid a bank draft to XXXX XXXX for the amount of {$220.00} even though there were insufficient funds to cover it. When I called US Bank I was told that the account had never been closed as I had requested. They would not close it until I paid the new balance at my former bank account. It turned out that the creditor XXXX XXXX had been paid twice in XX/XX/XXXX, my new bank paid them as I had requested. US Bank had a record of my contact with them on XXXX XXXX and the representative actually asked me why I was closing the account. They still have activity on the former account, I have n't used it at all. As far as I 'm concerned it is closed. I sent them a letter that once again told them that the account was closed at the consumer 's request. 
I 'm asking that they closed the account and dismiss all of the charges that they have added. 
Thank youXXXX XXXX
My problem is with eqifax they recently have started reporting wrong year of birth & wrong address. They sent me forms to correct but there forms are not for correcting year of birth nor address. Also they have no current report at all, it 's all old items, none of my current credit! Which makes it like I have absolutely no credit! All the other reporting agencies XXXX & XXXX are correct! Have tried to talk to someone and they keep telling me to fill out the dispute form, I keep telling them that their form is not formatted for this type of correction. Nor are the forms formatted for these corrections online. They outright refuse to correct it!
I was de-escrowed in XXXX 2014. I chose to pay my taxes and insurance on my own due to previous problems with Ocwen. I paid my homeowners when it was due. Even though my escrow was closed and had a XXXX bal they paid it too. They show a negative balance in my escrow for the payment they made. The insurance company refunded them their payment and they have not credited it to my account to remove the negative balance. Faxed them the info several times they refuse to understand and have raised myinterest and principal payment to get their XXXX back and they already got it back from XXXX.
I was a student at XXXX XXXX University ( XXXX ) while I was stationed at XXXX XXXX, Maryland in XXXX. I was using the XXXX Tuition Assistance ( TA ) program at the time to pay for my classes. During my first semester, I received a Failure for Incomplete ( FI ), because I participated in mandatory XXXX training and was unable to take the final exams. Because of this failure, the XXXX recouped the TA money it spent on my courses. The money was taken out of my pay over a 12-month period, ending in XXXX. 

Since XXXX, XXXX has been attempting to collect the debt, totaling {$2200.00}. Every year, I get a collection notice, and every year I refute their collection attempt with actual documentation from the XXXX Education system, showing that the money was recouped by the XXXX. Upon sending them this information, I do not hear anything back regarding any changes in my account. 

However, every tax season, I receive another notification of an attempt to collect. The company attempting to collect on behalf of XXXX this year is : Synergetic Communications, Inc. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX They are the same company that tried to collect in XXXX and XXXX. Ive sent the documentation showing that I paid the debt in full to both XXXX and Synergetic. Neither entity acknowledges the information Ive provided, yet they continue to harass me for repayment. I should NOT have to repay them if the money was already taken from my XXXX XXXX pay between XXXX.
Thank you for taking the time to investigate this case. I seek your assistance in stopping the illegal practice of " phantom '' payday loan collections by XXXX XXXX and Hylan Asset Management. In regards to my case, I have secured a release from Hylan Asset Management and do not require individual assistance. However, I strongly encourage a full investigation of these companies due to their violations of the Federal Trade Commission Act, wire and mail fraud statutes, and the Fair Debt Collections Practices Act. 

I am certain that XXXX and Hylan are knowingly running a " phantom '' payday loan scam by attempting to collect payday loans that did not originate and are not valid. I am certain that I am a victim of this scam. If you desire, I can provide a full financial disclosure demonstrating beyond a preponderance of the evidence that I did not received these funds, nor solicit such loan. Throughout this ordeal Hylan and XXXX have been unable to provide any proof of a promissory note, loan origination, or collection attempts. Further, according to XXXX the original creditor was " XXXX XXXX. XXXX '', however written communication also shows a disputed payday loan from " XXXX XXXX, XXXX '' or " XXXX ''. XXXX and Hylan have been unable to accurately describe the disputed debt in their communication. This is further evidence of a " phantom '' payday loan scam. 

Enclosed is all written communication between the parties. Research indicates that XXXX and Hylan have a very high percentage of clients claiming that these loans are " phantom ''. As both of these companies are within your jurisdiction, I can not emphasize enough the importance of stopping this unfair, deceptive, and abusive conduct. Their conduct is illegal and prays on vulnerable populations. 

Thank you for your assistance with this important matter.
Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX ( XX/XX/XXXX ) 7 ) XXXX   XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) Transunion ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX )
this account somehow was opened up in my name is fraudulent and opened as a result of my identity being stolen i have gone through alot tryying to get this straightned out i have filed police report and notarized id theft affdiavit concerning this with the ftc
In XX/XX/XXXX, we applied for the mortgage assistance program with Chase Bank, holder of our HELOC. Between XXXX and XX/XX/XXXX, we exchanged innumerable phone calls with our assigned specialists XXXX XXXX and XXXX XXXX in order to stay on top of the requests for documentation from us to support our application. Often we were contacted to provide duplicate documents because Chase processors misplaced our fax 'd documents. We even filled out the application twice at their request. It was unclear how long the process would take, but we persevered with the constant requests for more information for the underwriters. In XXXX, I went to Chase online to cancel autopay. I had planned to continue online payments, but did not want to participate in autopay. When I did this, I was prevented from using the online payment system at all. No Chase customer service person could explain why. I did not make payment in XXXX. In XXXX, I tried to make the account current by using pay by phone. The customer tech took my credit information to draw the funds and gave me a confirmation number. I noticed that 2 weeks later the draw had not occurred. When I called Chase, I was told that they did not have a correct acct number for the draw. We verified that the account # was accurate. So I authorized another pay by phone transaction in XXXX. Again, I noticed that no draw occurred. NO ONE is Chase customer service could understand or explain why the funds were not drawing ( and yes, I had sufficient funds in my credit union account ), and I assumed that it was because our account was under review for mortgage assistance and perhaps Chase was freezing transactions related to the account. That was my guess, but NO XXXX at Chase had any other explanation. In XXXX I was notified that we were not eligible for relief from the mortgage assistance program. We were told we could enter foreclosure or re-instate the loan by paying account in full by XXXX XXXX. We chose to re-instate the loan with those terms and paid amount due on XX/XX/XXXX. When we tried to make payment in XXXX, we found that we are not eligible to make pay by phone payments because of the problems we experienced in XXXX & XXXX, although we were not at fault for Chase 's failure to draw the funds in those XXXX & XXXX transactions. I do n't understand why a Chase customer was penalized for Chase 's incompetence. Furthermore, and most alarming, is realizing that our credit histories are marked for being 120 days late during ( XXXX ) for the time that Chase was unable to accept our payments. We are also being penalized for the bungling of our attempts to pay the mortgage while our account was under review for mortgage assistance. The marks on our credit histories are very damaging, and will affect our lives significantly. We applied for the mortgage assistance program as Veterans experiencing financial hardship. When we asked for help, we in return received an appalling and " too big to care '' customer service experience, followed by damaging marks on our credit. Chase had demonstrated extreme incompetence in the handling of our mortgage assistance request and to top it off they are going to slam our credit.
XX/XX/XXXX/XX/XX/XXXX my mortgage payments were being delayed due to a changed of my income and household finance. I notified my mortgage company XXXX XXXX and asked if I could qualify for a hardship help. I received the papers in the mail and immediately faxed them back to the person who was assisting me XXXX XXXX XXXX. XXXX XXXX told me that my paperwork was submitted and that he would let me know what the outcome would be. I received a call around the end of XX/XX/XXXX, and I spoke to a XXXX XXXX XXXX, he explain to me that he is the new person on my case that will be helping me in my modification and that somehow XXXX XXXX has misplaced all of my documents. XXXX XXXX stated in order for me to be consider the committee said I must complete the documents over again, and so I did. So XX/XX/XXXX I faxed all the documents that was requested in to XXXX XXXX all that I did not faxed I email to him and was waiting on his response. A week later XX/XX/XXXX, XXXX XXXX stated that the documents were missing and some were expired, he also stated that I had a certain amount of days to get those documents in and I did. XX/XX/XXXX in the first week came and I received a call from XXXX XXXX and again he stated that he not yet to receive the documents that I faxed to him and my filed has been on hold because of this matter. By this time I am upset because I feel as if someone is not being truthful to me because I know I have sent the required documents several times and I am being brushed off. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX and again the documents were not in, and most of them were expired, I were just shocked. So I expressed my concerned about this issue and said that " XXXX XXXX has a history of taking property from people that has problems making payments '', and I stated that I am going to talk to someone and get some help with the Better Business Bureau or the Federal Trade Commissioners office and when I made that statement XXXX XXXX became very upset with me and reassured me that this is not the issue. On XX/XX/XXXX, I received in the mail a notice that my home was being foreclosed and it was filed on XX/XX/XXXX. I felt as if the mortgage company did that because of my threat to report them of their unfair practice. I have enough equity to refinance or take a second loan out but I was not giving that option at all or consider that option at all. I have documents to back up the dates what was sent to each of the representatives that was fax and time, date.
An account was opened in my name fraudulently. I was contacted and informed that because I did n't know who open the account, I had to pay the account regardless of it being fraudulent. Otherwise It will ruined my credit. Out of concern I paid the card. The person who open the account in my name confessed, I filled a police report and informed the credit card company. I also provided them with the police report. They stated that because I paid it, they can not do anything about it. I want the information off my credit report as I did not apply for the account.
Midland Credit Management ( MCM ) purchased a charged-off account of mine from XXXX XXXX. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, MCM assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.
Medical bill sent to collection agency, Americollect in XXXX WI. Total owed {$810.00}. Received notification from collection agency, called made arrangements to pay $ XXXX monthly until paid in full. Balance owed {$210.00} which I will pay off this month. Every month they call me asking for a payment even though I have made it. Last evening they called me asking for the balance.
I sent a request for validation by certified mail to debt collector and a request to limit communication only to writing and the collector has not responded to both of my requests and continues to call spouse 's phone to collect. I still have no validation of the alleged debt and collectors are still pursuing failing to comply with the FDCPA section 809 law.
I was recently traveling abroad and encountered a merchant was presenting me a fraudulent bill for services that were never rendered. At first the merchanst said they dont take cards, when I was forced to withdraw cash upto my limit, they then also took my card and proceeded to charge me over XXXX dollars. The merchant was a restuarnat and due to language barriers and their intimidation I could not fully reconcile and figured I would dispute the charge with my bank since no service was actually rendered. 

My bank is now saying that they will not refund me the charges or even attempt to investigate the merchant even though its not even registered to any particular business. The maerchant is a none frauder ... and it is card poilcy that anyone that takes a card must advertise it and not upcharge people after the fact.