WillisBack/dataset-financial-user-claim huggingface dataset:
In reviewing my credit reports, I found 19 collection accounts listed on my reports, all from a company called Creditor 's Discount and Aud. I have never received any notification or communications from this company. I also confirmed that this company does not have a Texas surety bond. I recognize the original creditor that is listed for 18 of these accounts as a doctor 's office where I was briefly treated in XX/XX/XXXX. My total bill for my brief treatment ( 3 office visits ) was around {$3000.00}. I entered an auto draft payment plan and paid that bill down in XX/XX/XXXX. Now, this collection agency, Creditor 's Discount, has listed 18 new collection accounts on my credit reports as of XX/XX/XXXX for a total of {$7000.00}. Again, I have never been notified of these accounts or my right to dispute them, they just showed up on my credit reports. There are two accounts for {$2000.00}, two accounts for {$130.00}, eleven accounts for {$140.00}, two accounts for {$430.00}, and two accounts for {$200.00}, all from one doctor 's office. These accounts are obviously duplicated and inaccurate. There is also one account for {$500.00} from a dentist office, that I am not aware of. I spoke with a representative at Creditor 's Discount to gain more clarification on this situation and she stated that they can not mail me anything or call me because I live in Texas and they are not allowed to collect in Texas, as there are only a few states where they are allowed to collect. I mailed a debt validation request, but will not receive a reply, because Creditor 's Discount can not mail me anything per their representative.
On Friday XX/XX/XXXX at XXXX, my friend and I went to this famous Lingerie department store XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX , CA XXXX. While my friend was at the cashier paying out for the items, the sales agent in cashier XXXX deceived my friend into convincing her that she could get a discount of XXXX $ on her purchase if she applies for this angel 'Customer Loyalty ' card which is absolutely fraudulent to sell credit card to people as customer loyalty or discount cards and not mention at any part of time that it is actually a credit card. The agent then asks my friend for her information including her social security number which she does not remember. So, the agent literally told her " You can use your friend 's information instead and I will give you the angel card '' which is a clear incitement to identity theft. So, my friend who knew nothing about credit cards and who just wanted to get the XXXX $ discount on her purchase came asking me for my social security number and did as the sale agent says and the agent then went ahead processing the application for her until I realized in the middle of it that I was being dragged and scammed into applying for a credit card without my consent by this sales agent and without any knowledge by me or my friend of what was going on ; so I immediately interrupted the agent and demanded her to stop what she was doing by clearly stating : " I do not wish to apply for a credit card ; do no proceed with your application please cancel whatever you are doing ''. She after that assured me that she has cancelled everything and the application did not go through. However when I get home later that evening, my friend receives a message on her email stating " Congratulation for your new XXXX XXXX XXXX card, Your credit limit is .... Expect to receive the card in your mail within two weeks ''. I was shocked of how desperate this agent was to sell that credit card, she did not only lie about what she was trying to sell us, and incited my friend to use information that is not hers to obtain the card but also lied about the card application being cancelled though it went through ... 

As a result of this company hiring such irresponsible employee to sell credit cards using all kind of fraudulent methods and lies, I now have a hard inquiry on my credit report that will for sure hurt my credit score and prevent me from getting the mortgage I was planning to apply for to finance my home, and on top of that a credit card issued in my name that I know nothing about.
I had not checked my email and did not see that my initial request had been closed. I see that Portofolio is wanting me to send in a fraud report ( which I initially did directly to them ). But looking at their proof I have found a few discrepancies ; The account with XXXX XXXX is not the same as the one XXXX XXXX themselves have for this account. Portfolio is showing the last four # 's as XXXX. The fraud letter I have FROM XXXX XXXX is showing the last # 's as XXXX The SS # listed is not mine ( I have sent in my Social and ID to the CFPB but will not send it to Portfolio to them use as proof ) The email address listed is not mine - XXXX I will send in another copy of my SS card and my DL if need be.
Due to Equifax 's gross negligence with my personal data - vast amounts of information is out in the public now due to their data breach in XXXX 2017. This includes SSN, Address, CC Numbers, Date of Birth - effectively anything someone needs to impersonate me. Equifax 's position as one of three major credit reporting agencies demands unparalleled data security. The fact a web application could bypass this demonstrates a complete breakdown of basic security practices.
Capital One has an inquiry on my credit report for an denied credit card ( XX/XX/2018 ) that I personally did not APPLY for. I disputed the inquiry with Capital One and the 3 major credit reporting agencies. They all give me the run about without an investigation. This is highly damaging my credit scores.
I was involved in the Equifax 2017 Data breach. I am appalled that so much data was released into the public. It is disgusting that the company delayed notifying the public about this issue so that it 's high ranking executives could sell their stock before it crashed from their mistake. How is this legal? They are also trying to get people to sign up for their " free '' credit monitoring service so that they can have people sign away their right to sue the company. Completely Disgusting.
Recived a letter stating that I have a lawsuit filed against me in the XXXX judicial district court in XXXX XXXX, Michigan. XXXX Bank, XXXX successor by merger to XXXX Bank, plaintiff XXXX Myself XXXX XXXX XXXX. Case # XXXX in witch I called and there is no case filed ... By said debt collector Weltman Weinberg & Reis co XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX a XXXX XXXX XXXX XXXX. Is attempting to collect a debt that at the time I was in debt to XXXX bank, loan was secured by collateral said property. We lost our house do to fire. The property was sold in a sheriffs auction do to taxes we could not afford. XXXX bank was notified of the sale and stated that they showed no interest in the property 's. The loan was for {$7500.00} and the property sold for {$40000.00} and they should have been payed at the time of sale to cover the debt before the title could have been released and cleared. Sale took place one year and five months a go. I have atempted to in the past make payments at the bank and payment was refused ...! I now am XXXX and do not have an income. It so states in my contract that the loan was set as a mortgage and the property was used to secure the loan ... I feel as tho I am being harassed and that this collector has and is sending me false documents in attempt to collect funds I do not owe.
I was affected by the recent Equifax security breach and Equifax believes that my information including social security number, driver 's license and address may have been compromised. Though I understand Equifax was a victim of the hack, I entrusted them to keep my personal information safe and secure.
Hello, and I'm not sure exactly what happened, but I was checking my credit report and noticed several hard inquires or hard pulls posted my credit as shown below. These were supposed to be soft pulls but rather they did hard pulls and it's hurting my credit so much. I called them individually to see what's going on and they said that they are not 100 % sure, and that they only due soft pulls on clients credit. They advice that I need to reach out to the credit bureaus to get those fixed as it can be their internal errors. I'm constantly analyzing my credit so situation like this doesn't happen, but I keep get runaround for months trying to fix it. 

Hard Inquiries information : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
I have a account with American First Financial and due to a natural disaster ( Flood ) in XX/XX/2016 and circumstances beyond my control my account became behind in payments. I sent the company a agreement and check stating in exchange for payment in full they will agree to remove the account from my XXXX credit report. On the check I wrote in cashing this check you agree to remove from XXXX credit report. American First cashed the check but did not uphold the agreement and remove the account from my XXXX credit report. The company did not return the check or notify me that they would not accept the agreement. FCRA does not demand all accounts be reported therefore a company does have discretions and permission to remove any account it chooses on a credit report. I sent agreement letter and check and American First did not uphold the agreement or notify me prior to cashing the check that they would not honor the agreement. In cashing the check they accepted the terms of the agreement.
XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
I required to file charging complaint against U.S. Bank into XXXX, Oregon because of they do not accept me with U.S. Bank checking account/debit because of Overdraft Record History with XXXX XXXX XXXX. I file complaint against U.S. Bank refused serve with me in opening account for personal checking and debit, included credit card because of Overdraft Record History and discriminates against me with deaf/hearing-impaired customer, appearances, and other source in U.S. Bank account, right now that I do not have any U.S.Bank account. I was not happy with U.S. Bank new account for me to use this credit/debit/check account because of bad records with credit record discrimination against me, and overdraft discrimination as well as service complaint package. 
Sent to U.S. Senators : ( finished )
As of XXXX or as far back as XXXX XXXX, Discover card has been returning my phone payments to my banking institution [ XXXX bank ] that I 've made in a timely manner. Not only is Discover charging me with late fees, they are including returned [ electronic ] check fees. XXXX informed me that the problem is not with them. Altogether, the fees are totaling upwards of {$290.00} with a current payment made today XXXX/XXXX/XXXX. I also called Discover today to obtain my account number which they refused to do. I informed Discover that I needed the acct. number to pay my bill online through XXXX. I 'm thwarted at making payments to Discover as far back as possibly XXXX through XXXX.
I am a co-signer on three of my daughter 's student loans serviced by Navient. I make several payments monthly to them using two different credit unions ( call them A and P ), both of which are listed on my account with Navient. On two recent occasions, I have made payments to them *after selecting the account from which to make the payment* using the " Make a Payment '' button on their website. On both occasions, they took the payment from an account other than the one I'd selected. The most recent payment ( confirmation number XXXX ) was made on XX/XX/XXXX for {$1400.00}. Their on-line system properly applied the payment, apportioning it correctly as I had designated among the three loans. However, they took the payment from A rather than P as I had selected. I called them today to find out what had happened -- they said their system only showed it " had come from you, '' but not which account had been used. Their on-line system also does not show from which account the payment had been made. The representative with whom I spoke suggested that they'd taken it from the " default account '' -- but their on-line system does not designate either A or P as " default. '' She then asked if I'd like to set up regular payments, which I don't as I want the freedom to make payments at times and from the account of my choosing. As a result of their " mis-applied '' payment, I may incur overdraft penalties from A, but I think I now have that situation covered. They need to fix their system by ( 1 ) disclosing the " default '' account they plan to use ( if indeed that's how they operate ) ; ( 2 ) showing the account from which a payment will be withdrawn, ESPECIALLY if it's NOT going to be the one selected using their on-line system ; and ( 3 ) sending on-line users a confirmation e-mail for all payments that include both the amount and source of payments. It's absolutely ludicrous that neither their on-line system nor their phone representatives can tell consumers the source used for payments. I will probably delete one of the two accounts on their system, giving them only one option from which to withdraw payments, rather than count on them to accurately debit payments from the account I've selected.
Well over 30 days ago, I submitted investigation requests to all three credit bureaus : Equifax, XXXX, and XXXX XXXX. They should have responded with the result by now, but they have not.
On XXXX XXXX, XXXX, I received my first and only notification from XXXX XXXX that unless I paid over {$4500.00} I would be in default on my student loan of {$34000.00}. I called four separate times and finally reached out to the Department of Education, Ombudsman Group, to dispute the lack of communication provided. I received notification a month later, XXXX XXXX, XXXX, stating that I had been in touch with the XXXX XXXX XXXX and the matter was closed with them. At no time, did I ever speak with XXXX for assistance. On XXXX XXXX, XXXX, I received my first correspondence from Action Financial Services that I now owed {$43000.00} and an additional {$8500.00} was added for fees and costs. XXXX checks in the amounts of {$34000.00} and {$8800.00} were paid directly to the Department of Education for payment in full on these loans. These payment were received by The Department of Education and posted to my account on XXXX XXXX, XXXX. Since the loan was in dispute and I had correspondence proving this, I should have been given 60 days from XXXX XXXX, XXXX. Also, since I paid the entire amount owed to the Department of Education, I thought this matter was closed but am now being asked to pay more money for a collection notice dated XXXX XXXX, XXXX and received XXXX XXXX, XXXX both of which occurred after the checks had already been cleared and received by the Department of Education.
i called and talked to someone there and told them i am taking care of my XXXX year old grandma with XXXX from XXXX everyday right now. i JUST found out my XXXX year old brother has XXXX XXXX XXXX and will be in a XXXX within a month, and i am a victim of identity theft for a 2nd time per the feds since XX/XX/XXXX i also explained this to someone there. no matter what i tell them its " I GOT TA HAVE IT NOW, NOW, NOW!!!!!!! '' I JUST NEED THEM TO STOP CALLING ME MULTIPLE TIMES A DAY AND COMING TO HOME AND CALLING MY FAMILY. this a VERY difficult time right now. and per my doctors orders NO PHONE CALLS until i see him next. XXXX
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXt XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
I refinanced my house on the last day of XXXX 2015. The loan with Amerihome Mortgage was paid in full, yet on XXXX XXXX, 2015 this company took {$870.00} out of my checking account via an automatic withdrawal that was supposed to be closed. They now refuse to return my funds. They have even ignored a complaint XXXX.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 2. XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 3. XXXX XXXX XXXX XXXX - this account doesn't belong to me. 
Action Requested : Please Delete 4. XXXX Funds - this account doesn't belong to me. 
Action Requested : Please Delete
was contacted via mail in regards to a debt over 10 years old. contacted thhe agency was mini miranda without verifying correct party confirmed that the account was past statute was asked to resolve and informed the agency i wasnt interested in resolving.. received another call where my identity was not verified and the debt was disclosed i asked why i was still being contacted in regards to a past statute account and why the office was demanding payment the representative stated their office will continue to contact for payment until resolved the representative made me feel harrassed and i communicated that at which point she confirmed it. the representative was talking over me shouting and being argumentative the entire call.
XXXX XXXX Requesting several times to provide proof of items on mortgage loan, and company will not provide the information.
Annual Detail Reports not available from Citi Bank Costco Visa for 2015. Citi Bank Visa will not provide complete data from the XXXX XXXX transfer for 2015. I have placed requests for a XXXX ( XXXX ) report for 2015 on numerous occasions and have yet to get an answer. They said they would have a supervisor call me back within 3 days, it is day 6 and never received a call. I called back and was on the phone for 50 minutes and was advised that once again, I would get a call from a supervisor in 3 days. No call as of yet. They are withholding vital information form their customers. I called XXXX XXXX and they advised me Citi Bank has all the information I need.
I have been trying to resolve negative accounts on my credit report. Due to lack of proper investigation and communication I am requesting that this negative account be removed from all three credit bureaus. I have contacted this company multiple times for verification and validation and I have never received the information requested. I am in the process of shopping for a mortgage and this unverified and un-validated account is preventing me from purchasing a home for me and my children.
XXXX was previously deleted from the 3 credit bureaus and reinserted without any notification.
Paid {$270.00} for a conference, but found that my health system paid for the bill. Credit card company has all the check information, but wont refund my money. Check # XXXX was cut on XXXX for {$1000.00} ( 4 registrations @ {$250.00} each ) and sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The check was for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
NCC is reporting a balance of {$2200.00} with a past due of {$7900.00}. This is incorrect. The past due and the balance due are the same, {$2200.00}. 
I need this corrected.
CHASE AUTO FIANCE HAS ILLEGALY PULLED A COPY OF MY TRANSITION AND EQUIFAX CREDIT REPORT FOR VECHILE LOAN I NEVER APPLIED FOR, RUNNING INQUIRIES AND CAUSING A MIXED FILE! I WANT THIS FIXED IMMEIDETLY AS I HAVE NO RELATIONSHIP WITH THIS BANK AFTER THE FRACAS THAT OCCURRED A YEAR AGO.
I submitted a co-signer release to Navient which was not approved. I have XXXX credit score, I work for a XXXX and have for the past two years, I am currently getting my XXXX, my co-signer has a XXXX credit score and has filed bankruptcy in the past and I feel is a liability to being on my loan. She was married with XXXX incomes when she co-signed, she is now divorced and can barely make ends meat herself.
I have tried to get my PMI cancelled since XX/XX/XXXX. I have previously submitted a complaint the case number is : XXXX. In my last complaint the company rep. suggested that we pay {$100.00} so that we can cover the cost of an appraisal to have our PMI cancelled. I have completed the form that Ocwen sent to me. I included a check of {$100.00} and sent it out on XX/XX/XXXX. I then received a letter on XXXX from Ocwen. They claimed that I needed to provide them with an alternate contact numbr for borrowers. I called Ocwen and spoke with a customer service rep. on XXXX/XXXX/XXXXI gave them my husband 's cell phone number. I asked when I could expect to hear back about an appraisal and the person said it would be within the next XXXX hours. IWe did not hear back for over a 2 weeks. My husband finally called again on XX/XX/XXXX. He spoke to a manager and the manager told him that we would get a call back about the appraisal within the next 5-7 working days. We have yet to hear back from anyone about any appraisal. Technically according to my Private Mortgage XXXX Disclosure my PMI should technically be cancelled automatically on XX/XX/XXXX. The document that I signed when I refinanced says : " If your are current on your loan payments, PMI will automatically terminate at the earlier of the midpoint of the amortization period of the loan or on the date the principal balance of your loan is first scheduled to reach seventy-eight percent of the original value of the property. It goes on to explain " The date your loan is scheduled to reach XXXX ( 78 % ) loan to value is XX/XX/XXXX. '' I feel this company is jus making up things along the way. We have done everything we could to get them to cancel the PMI as they are supposed to, including paying XXXX for an appraisal that should not be necessary. Now we are not hearing back from anyone about this appraisal and when we call to try to find out what is going on, no one seems to know that they are talking about.