WillisBack/dataset-financial-user-claim huggingface dataset:
There is a collection agency for some apartments that i never lived at. I have disputed this account multiple time with no success. I have had the collect agency send me the information they had, which showed that the dates this apartment was leased, I was receiving unemployment. I contact unemployment and got my records from them and filed another dispute and submitted my unemployment documents to prove it was not me but still no success. XXXX has also contacted the collection agency with my documents but they will not remove it. I have contacted the collections agency asking what kind of steps I could take to get this removed and they told me to pay it. When I tried to explain to them the situation, they told me there was nothing i could do. This account on my credit is holding me back from so many things and i just need help getting it off please!
None of these options explain my situation. Midland funding had entered into an agreement with the cfpb ( you ) and can not accept any payments from me. This is stopping me from refinancing my vehicle as i can not satisfy the debt. I needed them to send a fax/letter/email to my bank stating they can not accept my payment, but they refuse to do so, even though they would say it to my banker over the phone. I believe this to be out of spite toward me so that i can not refinance my vehicle, since they will not be receiving the money.
I contacted Transunion and requested all these unauthorized inquiries on my credit report to be removed customer service would not help me on this matter and stated that i am at fault that theres nothing they can do. I am requesting to have my inquires deleted from my credit reportXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( this is authorized by me ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX-XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX/XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXXXXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX XXXX XXXX ( unauthorized ) XXXX/XXXX/XXXX
I sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.
loan with LoanDepotDBAIMortgage this company rip me off XXXX basis points. charged {$7100.00}. on a {$200000.00} loan amount. 
They make you sign disclosures when you meet with loan officer XXXX XXXX XXXX XXXX XXXX XXXX ) who explains to you so fast turning the pages so that you have no time to read every detail. He explained you will not pay anything out of pocket for closing costs, that the builder 's credit would be to pay all closing costs. At closing I ended up paying over {$5000.00} out of pocket as they came up with new figures and they gave me no opportunity to reject. How can you believe that {$5000.00} from mortgage company and {$12.00}, XXXX from builder were not sufficient to pay closing costs? They got the {$5000.00} from increasing the interest rate .5 %. They advertise that you will get {$5000.00} rebate if you get a loan with them. It turns out that they do n't give you anything but they get it from you by increasing the rate to create a rebate. In turn you end up paying for it but they do not explain it. This is how they rip off people who do n't know the intricacies. unaceptable! 
Also they rip you off by using their own services for Credit report {$65.00} when in fact a credit report cost is {$15.00}, and Appraisals without giving us a receipt of what it costs them. This should be against the law.
I am a long-term card holder of American Express since XXXX, and I have never missed a payment or late with a payment. Sometime around the third week of XXXX I received a call from an AMEX Underwriter. The underwriter informed me that based on my credit report my account balance would be capped at XXXX. I was also informed that to use the card I would have to show proof of earnings. I responded that my wife and I file jointly and my earnings are confidential, proof of earnings was still requested. I explained that we were going on trip to XXXX XXXX where we have vacationed for the past 11 years. He stated that he would allow a XXXX} charge limit. I provided proof that the reason for negative credit report was and is based on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX which are listed and open with the CFPB. In fact, I have retained counsel to represent me in federal court against XXXX. This is also reported by an FBI investigation in which XXXX was found to have committed fraud, Identity Theft and Forgery of my signature. It is being determined whether the same attorney will represent me against XXXX XXXX XXXX. This proof provided to the Underwriter had no weight in decision making nor joint filing with my wife. I was not billed nor was I informed about the non-billing for the month of XXXX and a dispute was in place for XXXX XXXX for unauthorized charges of XXXX each month. I was then billed for XXXX} due on XXXX/XXXX/XXXX which was greater than anything based on balance. I complained to the XXXX XXXX and spoke to a XXXX XXXX XXXX, see attached. XXXX XXXX was professional and concerned but stuck to the Amex playbook. Based on my conversation with the Underwriter I strongly believed that I was being kicked out of Amex as a risk. I felt this with XXXX XXXX as well and believed that cancelling my card was what they were looking for. XXXX XXXX also stated that the information supplied on XXXX and XXXX XXXX XXXX was not sufficient for the Underwriter. In conversations with counsel, I was made aware that cancelling my card would affect me negatively. I believe that I have been subjected to Unfair and Deceptive practices. See attached support documentation, and statements. Kicked Out of Amex!
I was recruited by XXXX College in 2010 to attend XXXX in XXXX XXXX, FLa. I spoke to XXXX in the college offices and he said that getting federal loans and student aid was n't enough to cover tuition and said that I needed to apply for a private loan. He gave me the website/phone to go to and said that I needed to use this lending company because this is the XXXX the school goes through. They also said that I when I get approved, I would get a loan disbursement of $ 700 monthly for housing and had to pay 20 $ per month for interest to the lender. After applying and being approved for this loan I started school and as promised they gave me a check of 700 $ each month but I had to pay the {$20.00} each month or did n't get my check. Then when the second half of school started they made me apply again to genesis lending services, telling me that the XXXX time I applied it was only for the first half of school year. Not only did I have to re-apply but they charged me XXXX the interest on the XXXX part of the loan and increased my loan interest payment to {$100.00} per month. When I asked why the interest payment went up they said that this is because my loan amount increased. I said but you told me that interest payment through school was {$20.00} per month and now you tell me that I get 800 $ per month for living expenses but I have to pay {$100.00} of it back every month. I was not working and trying to support myself and my family while in school. They also promised help getting work while in school which consisted of them handing me a pre-printed listing of employers in the area that could be, could be hiring. The school also guaranteed to help find and obtain employment at time of graduation. This did not happen. I had to find places that were hiring and obtain all information about those places and apply, they just called to say that I did graduate and that I would be a good employee. They never said that this school has a very bad reputation with the XXXX and employers wont even look at you when you say that you went to that school. Every place that I put an application in in Florida, was immediately rejected because of the school I attended. 
I do n't think that this is a legal practice and until now I did n't know that I could fight this without having to pay a lot of money and obtain a lawyer. Before I agreed to attend XXXX, I was told that with my school loans and such payment would be approx. {$180.00} per month ... Ha! My school loan payment was over 800 $ month ... I can not afford that. I only make {$13.00} per hour for XXXX hrs a week. I have a family of XXXX and take care of my in laws as well.. When I call Genesis lending they tell me that they can reduce my payments for a short period but will add interest and charges, etc to the back of my loan. They still want XXXX $ per month plus I have had to put XXXX XXXX on hold because of this. I know that XXXX College had put a significant amount of money to help with past and present students because of this loan scam. I thought I signed up for that and thought I was part of that suit, but when I investigated I was not ... So this is why I am doing this ...
I have sent multiple letters disputing the validity of this account being mine and requested XXXX to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from XXXX after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX  CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

XXXX states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with XXXX from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up XXXX because I NEVER had a XXXX account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to Experian, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with XXXX, nor have I ever had an account with XXXX. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to Experian, XXXX, and XXXX, along with any negative remarks associated with XXXX, as it is severely damaging my credit file. I also request to cease & desist all communication with XXXX, written and/or telecommunication.
I owned a Bank of America account. A fraud activity had happened to my account by someone else that I knew of. I paid the negative balance in full and would like to be able to open a new account with XXXX XXXX.
Amount due XXXX, credit limit XXXX I was reported two payments late on a credit card, XXXX XXXX credit card. I do not dispute the debt or the amount due. 

The company changed the system in which I receive my monthly bill, I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via " XXXX XXXX ", I paid the amount due and discussed with employee XXXX # XXXX, who will make sure I recieve a paper statement he also waived one late fee. He was very helpful and a pleasure to deal with this afternoon. He could not help in reversing the late payments on my credit report, he gave me an address of XXXX XXXX, XXXX, Kentucky XXXX to write a letter to see if the company will resolve the issue I contend that I do not look at email from XXXX, I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.
I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
I am a victim of identity theft and Transunion is refusing to delete the items and block them from reporting. I mailed A CERTIFIED LETTER ( received XX/XX/XXXX ), police report, and identity theft report to you and the items are still appearing on my credit report. According to the FCRA XXXX ( XXXX XXXX. XXXX ) ( a XXXX XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of -- ( XXXX ) appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and XXXX XXXX XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection XXXX a ) of this section -- ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block. 

I have sent creditors and XXXX the id theft report and police report as well so why is Transunion verifying with them Is beyond me. They are not abiding by the laws to block these items that I am in no way related to
I have reviewed the statements that were sent by  XXXX   XXXX  on  XXXX / XXXX /  XXXX  .   First of all, you have violat ed HIPAA on m ultiple accounts for myself and minor children. My requests have specifically ask ed American Account & Advisors ,   Inc. to p rovide a signed contract between myself and  American Account & Advisors , Inc. pro ving that I owe this debt to you. Never have I asked for verification of service.   Secondly, there is a discrepancy between the statements you sent me and what you are reporting on my credit report. The amounts and number of accounts does not match. You are in violation of reporting the credit bureau inaccurate information.   Third of all, these dates of services were included in my bankruptcy and should not have been sent to collections. I have attached my discharge papers.
XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted Nationstar Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/XXXX at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/XXXX this had gone on far too long and my credit was ruined and my house is in foreclosure.
I recently received a copy of my credit report from Experian and noticed that the seven ( 7 ) XXXX XXXX XXXX accounts listed has incorrect information listed. I returned to school from XX/XX/XXXX-XX/XX/XXXX and received my XXXX degree. Then I returned fromXX/XX/XXXX -XX/XX/XXXX and received my XXXX  degree. I applied for loan forgiveness and my application was received by the XXXX XXXX XXXX on XX/XX/XXXX and all school loans have been in forbearance since then. I noticed that beginning XX/XX/XXXX-XX/XX/XXXX I was being shown as late with payments but as of XX/XX/XXXX I still had one more month to go before I was to begin to repay ( 6 mos. was not completed after I graduated ). As of XX/XX/XXXX-XX/XX/XXXX my 6 mos. was not up AND I also was to be in forbearance until both the loan agents and myself are notified that the investigation has been completed. This is on all seven accounts and I am still in forbearance since XXXX so I am not understanding how this is being reported in this manner. I have disputed similar issues with them in the past but yet this shows up every now and again.
My name is XXXX XXXX. I made a same day {$9000.00} wire deposit transfer from my regions account with address as follows : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; to my coinbase account who as a company uses XXXX XXXX XXXX. The recipients address is as follows : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. 
The recipient bank address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The company is not responding to queries and the recipient bank is not being helpful. 

This money has yet to appear and it is Tuesday the XX/XX/XXXX.
Santander is reporting a profit and loss on my credit report for something that they repossessed and resold but I am being charged for the entire amount of the loan.
On XX/XX/XXXX a letter I sent to Wells Fargo requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Wells Fargo failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Wells Fargo has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. In addition to this Wells Fargo has not been able to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
I have a payday loan and cant afford to pay it back and their going to garnish my wages.
I have tried to find help through the bank in order to obtain my home. But the bank has negated to assist my case. I have applied for a modification numerous times but the bank will not give me an approval, by continuously requesting documents that I have already sent multiple times. I am soliciting you because I feel as if I 've run out of options, and my intention is to stay in my home because I have no where else to go. In these moments, I am ready to make monthly payments towards a loan modification. The bank continues to obstruct my case and I have proof of such actions.
I was laid off from my last job ( severance money ended XXXX XXXX ), I could not meet my mortgage payments to Wells Fargo and applied for a mortgage adjustment. For 2 years, I faithfully sent in all of the paperwork. Because I could not find another job, I applied for SS in XXXX XXXX when I turned XXXX. I kept sending all of the paperwork. The last thing they wanted was XXXX letter from Social Security stating the total amount they were giving me. I was {$1600.00} for me, and {$800.00} for my XXXX daughter and {$800.00} for my XXXX son. They insisted that I get XXXX award letter for all of us, or at least XXXX award letter combining the XXXX children. I went to the SS office in XXXX and they said that such a letter does not exist. SS did not understand why Wells Fargo could not add the numbers together from each benefits letter. I told XXXX XXXX the Wells Fargo rep, I was always friendly ) and he said his manager insisted on it and he 's trying to hold him back. We spoke on the phone with his manager. He was insistent and stubborn. Later he wanted to know if my children 's letter was for survivorship or XXXX. I told him that obviously it is not for survivorship and no one is XXXX. It 's only because I 'm collecting SS and have XXXX children under age XXXX. Nevertheless, I called SS and received letters for each child without the title " XXXX, XXXX and XXXX. '' Anyway I was able to receive benefit letters for each child without XXXX on top of the page, and uploaded it to the Wells Fargo modification website. The end-all, my application was dropped because I did not supply that form and only that form. XXXX XXXX XXXX confirmed this to me on the phone a few times, most recently XXXX XXXX or XXXX around XXXX XXXX. XXXX XXXX had initiated this call to me and said that I could reapply and submit all of the necessary paperwork. At that point I said that I am going to report him.
Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores . One of th ose factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in  2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect my credit score.
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
Our records are among those that may have been impacted, according to the website.
We did NOT opt in to the XXXX XXXX credit monitoring and we do NOT consent to arbitration with Equifax regarding this incident.