WillisBack/dataset-financial-user-claim huggingface dataset:
I was given custody of my grandchild after he was XXXX XXXX XXXX XXXX  with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through XXXX. They are stealing my child support from social security. I was given custody on XXXX of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule XXXX XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.
Rash Curtis and Associates is trying to collect a debt that has passed the Statute of Limitations in California. This was a charged off account by the original medical facility.

The FDCPA, or fair debt collection protection act, says this has to stop being reported to the collection agencies.
To Whom It May Concern, I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles even after charging monthly maintenance fees on my bank account. Since there is not even a Citibank branch near my house or work, the bonus outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.
The account was closed XXXX. We hired a creidt couseling agencies. The debt was paid off in XXXX. 

I recevied a phone regarding a unpaid debt. I have no knowledge of this debt. The representative stated I made a payment in XXXX. I ask for verifcation. I have not received a response. 

The phone call are non-stop everyday. I need help
On or about XX/XX/XXXX my XXXX credit card ending in XXXX went past due. On XX/XX/XXXX my account was charged off. This account is still reporting and should have been removed based on the fact it has been more than 7 years since the date it first went past due. 

I have attached statements for the account proving the status of the account XX/XX/XXXX
Called customer service to ask for a forebearance, was directed to hold for over 4 hours with no human answering to deal with my inquiry, and during the holding an automated message directed me to a nonexistent concierge service for scheduling a callback. All of this happened between the hours of XXXX and XXXX CST on  XXXX XXXX, 2017
I've contacted trans Union several times regarding XXXX XXXX saying I owe them money on collection. 

They may have had a bill, but the date sure as XXXX isn't XXXX. It's probably XXXX maybe? 

Anyway if the date is corrected they will have to drop it off my credit. 

I've submitted several complaints and requests to get it corrected to trans Union as recently as XXXX   XXXX and of course with the government shutdown I had no one to call to get them to fix their mess. 

So let 's get this done
I paid off my home equity loan with Green Tree in XXXX of 2013 based on the payoff amount indicated at the time. Ditech sent me a bill yesterday for {$2.00}. When I checked my credit report, it appeared that the charge was made up recently as I was never sent a bill before now. Their rep said that the charge was for interest even though I paid the loan back in full. Now my credit is going to be negatively affected over a charge they ca n't even justify. XXXX, their rep, claimed I was charged because I did n't close the account. I have always paid my bills on time and am devastated that they would harm my credit without even contacting me first.
My credit report is a mixed file. It contains the address, employer, credit accounts and other information of someone in my family with the same/similar name.
On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.
Why did I make payments to State Farm bank for the prepaid insurance they got from XXXX XXXX?
Borrower : XXXX. 
Property : XXXX, NY XXXX. 

I am writing in regards to a property located at XXXX, NY XXXX. The servicer of this mortgage is Rushmore. I am trying to do a short sale on this property which is an alternative to foreclosure or auction. I have submitted a loss mitigation package along with all financials to the servicer 5 months back. I have also submitted a legitimate offer to the servicer as well. Now, we have a sale date coming up on XXXX/XXXX/2016 for this property and servicer is not reviewing our offer and just passing time so that they can auction this property. Please take into consideration of the hardship homeowner is going through. I appreciate your help and attention on this matter.
I had a medical bill from XXXX. wakefield popped up on my credit reported I do n't know who Wakefield is I paid XXXX in XXXX, Ms ,
XXXX XXXX has attempted to collect a non-viable debt from a fraudulent transaction. They have sold the alleged debt to XXXX XXXX as they could not sustain it under XXXX XXXX. No debt exists. They simply move it from one company to another and then re-attach it to my credit report.
On XXXX XXXX I received a notification from XXXX XXXX that there was a change to my credit report. Upon checking my report I noticed an account sent to collections by Midwest Recovery Systems for a payday loan from XXXX XXXX XXXX that I did not take out. I received no notifications from either XXXX XXXX XXXX or Midwest Recovery Systems informing me of the debt nor were there any attempts to collect. My first time hearing of this account was when I received the notification from XXXX XXXX and signed in to check my reports. Furthermore, a XXXX search for XXXX XXXX XXXX turned up no results leading me to wonder if such a company even exists. I did not contact Midwest Recovery Systems as I fear this is a scam. Instead I disputed the items with XXXX and XXXX and filed complaints with the XXXX, the Missouri Attorney General 's Office ( Midwest Recovery Systems allegedly is located in Missouri ), and the Federal Trade Commission.
Yes I checked my credit score and one minute it's XXXX then I checked it again it's XXXX I don't know why I can't get a aquired report from these creditor 's
this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late
I have student loans  with Navient th at are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  Navient  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.
I tried to pay off my wife 's student loan about 3 months ago and they reversed my payment from my bank so I kept making my monthly payments as before from our other banking institution. No explanation was given. This occurred on XX/XX/2016.
Second Round Lp is trying to collect {$2200.00} for a XXXX XXXX XXXX account that was charged off XX/XX/XXXX for {$1700.00}. They listed the debt as " XXXX '' but when I called to verify debt, they said it was for XXXX XXXX and could not verify the account. I have requested they verify the debt and they are not able to the debt is listed on my credit report. I have attached my credit report. Under 'NEGATIVE '' items you will see : XXXX/XXXX XXXX reported to all 3 bureaus and if you look under collections you will see 01 XXXX XXXX they are for the same debt ( both listed on pg 3 of my credit report ). You will find the original XXXX XXXX account on pg 63 ( showing last updated on XX/XX/XXXX eventho it charged off XX/XX/XXXX ) You will find Second Round new charge on page 74. It will only show XXXX XXXX and when you call they say it is the XXXX XXXX account, they give an amount of XXXX but can not verify the account.
I previously co-owned a XX/XX/2014 mustang with My husband. We first had it financed thru XXXX but had recently had it approved to have it refinanced with Ally. Before our first payment was due for the mustang with Ally we decided to trade it in. I traded in the mustang the weekend of XX/XX/XXXX at XXXX in XXXX. It was way before my payment was due at Ally. I called dealership to let them know Ally was contacting me on not getting paid, I was told it would all go away once they received check. Ally reported XXXX bad marks on my credit and havent been removed even after car got paid! I have never made late payments with any car loans and this has made my credit score go down alot. Really not happy!!
I have never had a late payment with Navient ever and not to long ago they reported my loan late and made my credit drop 100 points. I need this to be fixed asap. I tried dealing with Navient and all they said that they ca n't do anything about it and that I need to contact the credit bureus and dispute it like that. I believe this happen in XXXX.
I got behind on my mortgage due to job loss. I was served with foreclosure papers by my servicer America 's Servicing Company. I was given the opportunity for foreclosure intervention by submitting the application and documents such as paycheck stubs, hardship letter, bank statements, and unemployment records to the attorney assigned to the case by America 's Servicing Company. I did this as requested sending the documents through the mail certified to the attorney 's office by the date specified in XXXX 2014. After this I heard nothing from the mortgage company or attorney for several months. In XXXX 2014, I was sent a letter from the attorney stating that I never submitted the required documents and therefore was ineligible for foreclosure intervention. I answered the letter to the attorney 's office and to the court on record for the foreclosure showing the certified letter receipt that showed the package was received by their office and who had signed for it. I still got no response. The process was allowed to continue making me further behind. If the attorney and servicer would have looked at the paperwork back in XXXX 2014, I would not be as far behind in my mortgage as I am now and would possibly have had a resolution getting my mortgage caught up with foreclosure intervention. Now that the foreclosure process has gone on and now that I am back at work and able to afford my mortgage, America 's Servicing Company does not want to listen to the fact that this could have been fixed over a year ago and is not willing to work with me for a modification to get my mortgage current.
I met with XXXX with Mortgage Relief in XXXX to assist me with a Loan Modification. He discussed with me about a possible loan violation and suggested to start the paperwork for a Forensic Loan Audit with XXXX in XXXX which cost me {$2900.00}. At this time, they asked me to forward any correspondence that I receive from Bank of America. I received a Letter from Bank of America dated XX/XX/XXXX to start a Loan Modification with a Trial Period Mortgage Payment of {$1100.00}. After I successfully made 9 or 10 monthly payments, I received a call from XXXX to come into the office, they had me sign a letter terminating their service with me. I then received a letter from Bank of America dated XXXX asking for additional documents, which was submitted. I called Bank of America after no response, which then I was informed by the Customer Service Rep that I did not qualify for a modification. So, I seek assistance from a Real Estate Agent to Short Sale my home. At this point I felt that I had been misinformed and service that I paid for was not rendered which resulted in losing my home.
XXXX XXXX XXXX APPEARS ON CREDIT REPORT, and should not be there. I tried to dispute online and system kept reading error.
Citibank offered us a bonus of {$400.00} for opening checking and savings accounts and keeping a combined total of {$15000.00} in them for 60 days. The bonus was supposed to be paid within 90 days of our fulfilling the terms of the offer. 

We opened both accounts on XX/XX/18 ; therefore, we fulfilled the terms of the offer on XX/XX/18. The bonus, then, was supposed to be paid into our account by XX/XX/18. As of today, it hasn't been. 

We have notified the bank repeatedly that we have not been credited the bonus, including a letter to the Executive Response Unit. We have not heard anything from Citibank to this point, and the bonus still hasn't been credited.
I have been trying to get my credit report and have provided Experian the required information and documentation THREE TIMES. I have gotten my report from the other XXXX agencies with no problem. THE ONLY AGENCY GIVING ME A PROBLEM GETTING MY OWN CREDIT REPORT IS EXPERIAN. The first complaint # XXXX they closed by claiming they were sending me a credit report that daty, XXXX XXXX. THEY DID NOT do as they said to close the complaint. Instead they sent a letter asking for the exact same info. Which I provided AGAIN with my XXXX complaint # XXXX. They closed that complaint by saying : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific. '' I WANT MY CREDIT REPORT. HOW MUCH MORE SPECIFIC CAN I GET? DO WHAT YOU SAID YOU WERE DOING BACK ON XXXX XXXX. YOU ARE INCOMPETENT.
I set up a XXXX with XXXX XXXX and agreed to pay {$150.00} setup fee for a years service. Upon set up, XXXX XXXX never disclosed there would be a {$230.00} filing fee with the State. However, XXXX XXXX took {$230.00} those filing funds from my credit card without my authorization. I no longer want or need XXXX XXXX service, and don't want to continue the service for an additional year. I have made this well known to XXXX XXXX on several occasions, and also filed a report with the XXXX, which they know about. There are several complaints registered on the XXXX  website, with the identical problem. XXXX XXXX wants me to file a report with the state of Nevada, to close my XXXX. Since XXXX XXXX registered the XXXX without my consent, then it is their responsibility to file the necessary paperwork at their expense to correct their mistake. I have been continually harassed by first XXXX XXXX and then collection agencies for {$150.00} renewal, which I don't want. XXXX XXXX needs to stop any further correspondence with me, repay the {$230.00} they took from my account with my authorization. XXXX XXXX to file any necessary paperwork at their expense to close the XXXX, which was never disclosed to me. In additional XXXX XXXX needs to stop their deceitful business practice, of not informing customers of all the fees required to start a XXXX with them.
I purchased an investment property for over {$72000.00} in approximately in XXXX. The mortgage is with Bank of America. I 've had PMI since the inception, which is fine ; however, the mortgage owed is now under {$12000.00} and Bank of America and my agreement says I need a new appraisal and if I do not obtain a new appraisal I have to continue paying PMI until the loans is paid off. I am not spending {$300.00} to {$400.00} to avoid PMI at some point Bank of America should be reasonable.
I have received numerous calls from Citibank requesting to speak to my Father-in-Law " regarding his account ''. I have repeatedly told them that this is not his phone number, his home, nor anything else of his, and he can not be contacted here. One representative requested that I give him a message to call them back and gave me a phone number. ( Violation # 1 of FDCPA ). I have also asked them several times to remove my phone number. They assure me they will, and then a few days later they are calling again asking for him. ( Violation # 2 of FDCPA - repeat contacts of family member without request of such by myself. ) They just called me again today and asked for him. I told the lady again, not him, his number, his home, and to remove the number. She reported she " would try '' to do so. 
My father-in-law is a XXXX Veteran and deserves all appropriate protections. ( I am not a veteran. )
I have disputed a fraudulent account with Equifax 3 times regarding the removal of a fraudulent account regarding  XXXX   XXXX . I received a letter dated   XXXX     from Equifax stating that   XXXX   XXXX   verified the account. I called   XXXX   XXXX   and was told there was no correspondence from Equifax. I called Equifax today  [   XXXX / XXXX /  XXXX    ]  back and they told me to tell  XXXX   XXXX  to contact their business line then they told me the account was still pending. If it is still pending then how did I receive a letter stating it came back verified?! Equifax is not fully investigating this account as they said they would. I 've sent in police reports and Equifax is still refusing to properly investigate AND delete this account! I 've also sent in proof regarding  XXXX   XXXX   XXXX  had me under an account with an address I 've never lived at and a name that is not mine and Equifax is still neglecting to delete this account with PROOF of inaccurate info. I need for someone to help me resolve this issue ASAP as I 've been fighting these two accounts for over a year! They are the ONLY ones that are giving me a hard time.  XXXX  and   XXXX   are properly investigating and deleting these accounts.
I challenged this account because the date opened can not be correct. 
The response I received is : '' XXXX ErrorDispute ResultsIt looks like your dispute request has encountered XXXX or more errors. You can find the error codes below, along with a brief description. " There was no description or code as stated and so I called Transunion XXXX and an XXXX speaking lady told me that she would have to reissue the dispute and they would contact me back in 30 days. She said the error code was because of erroneous information I provided. I questioned what she meant by this. What was erroneous? She became infuriated. 
She stated again that I provided erroneous information. Her infuriation heightened I ended the call. 
XXXX has removed the deragatory information ( see copy ).
DITECH, AND XXXX ARE ATTEMPTING TO SALE MY HOUSE ON XX/XX/XXXX ON THE COURTHOUSE STEPS. THE ASSIGNMENT THAT IS BEING USED IS ROBO SIGNED, THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. THE ASSIGNMENT IS FRAUDULENT
1. Hospital visit XXXX XX/XX/XXXX2. My employer provides health care at 100 %. My XXXX XXXX company is XXXX3. XXXX paid the medical bills5. Then, in XX/XX/XXXX a collection agency, XXXX XXXX XXXX, placed a negative item in my credit report stating I had not paid the doctor. 
6. I call the doctor. They state that their accounting firm at the time went out of business and sold its accounts to a collection agency. 
7. We send an email to the Manager of the collection agency and spoke with his staff. They state they do not have the actual invoice which was not paid, only an entry in the database they received from the defunct accounting company. 
8. The item is removed from my credit report. 
9. In XX/XX/XXXX a different collections agency, Commonwealth Financial, places the negative item back in my credit report. 

Commonwealth Financial has this error in a database which they got from XXXX XXXX XXXX, which got it from the accounting firm which went out of business right after we used the doctor and XXXX paid the doctor. 
It seems that there is just a big scam where XXXX accounting firms sells accounts to another agency which further sells it to another firm, when in fact the first company had already been paid by the insurance company. XXXX collections agency scams another agency, which then scams another, when in fact there is no debt to collect as the initial firm received payment years ago. 

My credit score is hammered each time a collections agency buys the account from another XXXX and puts this incorrect item in my credit report. 

I need your help to stop this once and for all.
On XX/XX/XXXX I recevied a message on my phone stating that I am past due for payment on my auto loan. I was n't sure why seeing that I had recently made a payment! I called the number left on the voicemail, a representative started off asking for verification of my name, address, phone number and give the make and model of my vehical. The next statement that was said was : XXXX you owe $ $ $ on the XX/XX/XXXX loan and will you be paying today! I said wait why must I pay in full the balance of my loan today! I was told that my loan has expired and I need to pay now! I was confused since it was never told to me that my loan was near the end! I have never missed a payment and I figured the loan was calculated based on the monthly payments!! She then ask what can I pay, I explained that it 's on XXXX payments basically left and that I will continue as usually! She said " that 's not unexceptionable ''!! If I do n't pay in full immediately that my loan will be " charged off ''. I expect to pay my loan in full interest and late fee, but you want to damage my credit! I have paid {$420.00} for 5 years and I 'm at the very end and this is how you treat your better that good customers!! I asked to speak with a manager/supervisor because in very upset now! I was placed on hold for a while, when the manager/supervisor came on he proceeds to say that when I told my extensions that it 's needed to pay the loan in full! I told him as I was approved for my XXXX tensions I was never explained other than this will extend the loan. I was never told that I would be expected to pay my balance of the loan a moments notice regardless, nor was I given in advance notifications regarding this matter and their expectations! He proceeded to ask if I can borrow money from somewhere! I feel like I was being " strong armed '' by the financing company!! I have worked hard for XXXX yrs too make each payment on this loan with the high interest rate and told I 'm a valued customer with great payment history, but denied refinancing when requested! I am trying to rebuild my credit and for this to happen would be devastating! I feel this is totally wrong and very poor customer service! Please help!