WillisBack/dataset-financial-user-claim huggingface dataset:
I tried to start a dispute with Experian but they refuse to give me my report or answer the phone. Because Experian have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Experian are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is XXXX times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over XXXX hours on the phone with XXXX or some such place telling the same story over and over again to people who hardly speak English and have no idea about the XXXX postal system. Eventually I got connected via XXXX back to the XXXX and had to start all over again. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.
I am being sent a bill from National Credit Management which is trying to collect on a debt from the original creditor XXXX New Hampshire University for services that I did pay for out of my financial aid and I am being double billed from the university and now put in collections. My bill was taken care of while I was at attendance at XXXX and then my award was readjusted after I received my refund when the term was over.
I called the compa ny ARS ( Account Recovery Services ) to validation of this debt that has been reported on my Credit Report several times. I spoke with t he agent who would not provide any information. He kept going around the question. I 'm not understanding what to do next this company is becoming a nightmare and its affecting my family to the point where I 'm unable to provide us with a place to call home. Please assist me with resolving this issue.
For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University of XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft
I took a mortgage in XXXX of XXXX with XXXX and my then husband, for XXXX, the the best of my recollection. In XXXX, we separated, and he remained in the house covered by the mortgage. In XXXX, I had a XXXX Chapter XXXX which included the mortgage. XXXX stopped reporting it to all three credit bureau. Upon very bad advice from a lawyer, I quit-claimed the deed to him without him refinancing the loan. He then modified the loan with XXXX XXXX XXXX, increasing the term to XXXX months from XXXX months, and the amount to over XXXX from the original terms. I NEVER signed for this increase. XXXX XXXX XXXX, in XXXX, FL, states that they can modifiy the terms of the loan without my signature, and they have started reporting it on my credit report as of XXXX XXXX. The loan is already delinquent ( as of XXXX XXXX, XXXX, due for XXXX XXXX ). XXXX XXXX told me NOT to complain to the credit bureau, I did and Equifax already removed it but the other XXXX have not. XXXX XXXX continues to report and I have been denied for XXXX car loans because of " Excessive Obligations '' because the payment on this loan is {$3600.00} and I have my mortgage of {$1900.00}. The company stubbornly refuses to remove it from my credit report, and I will not be able to get a car loan or any other for the next XXXX years as a result.
Midland Funding LLC bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX, XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. Midland Funding LLC added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of Midland Funding LLC about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.
I filed a dispute and requested a removal from TransUnion for a tax lien on my credit report various times (  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  with no luck. TransUnion has not provided me with the information that states how they investigated this information to be accurate to continue to report on my credit report.     On my last letter I stated : The other main bureaus   XXXX    and  XXXX  DOES NOT show it. Is there something your agency knows that the other bureaus do not?     The following information, therefore, needs to be deleted from my credit report as soon as possible :  XXXX   XXXX  RECORDER #  XXXX  I require a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit report, and to cease all other types of communication with me. If I get another pointless letter from you saying that it has already been validated, then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against your company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.     I am not sure how the amount was calculated and the property mentioned I DO N'T even own it.     This inaccurate reporting has caused denials for credit cards, auto loans or mortgages.
After attempting several time to contact XXXX XXXX about a collection on my credit report I contacted my insurance company and after long holds on phone they got thru and stayed on the line with me and resolved any and all debt owed to them. This was on XXXX2018..

After all debt was cleared up the collection agency posted a new debt on my credit report. I called the collection agency and they informed me XXXX XXXX   reported a new debt to them.

I called my insurance company again and after long hold I was assured there is no responsibility on my part to them and everything was paid in full.

I just received a bill from the collection agency ( via mail ) for the entire amount that was owed.
I have purchased a shirt from XXXX {$340.00}, however the size was too small so I returned it. The store had struggles issuing a refund- took around 10 minutes and lady had problems scanning the receipt and the shirt although it had all the tags and model numbers matching. Eventually the refund was processed but never showed up. I kept a receipt just in case. Few weeks later still no credit, so I contacted Discover,  opened a claim and provided them with a copy of the receipt showing the refund is due and that it was never processed. Discover, accepted the claim reassuring that I am in good hands. Initial review resolved in your favor - that was the status. Few months later the balance seemed to be a bit strange, so I reviewed why. Then I found out that the transaction was posted quietly back to my account. I checked dispute section, and it says " After receiving the information, the transaction was found to be valid, and we will rebill your account ''. I contacted discover again asking to reopen the case, saying I did not get any credit, and if they claim to have mailed me something please requested for the copy of endorsed check. They understood the issue, and reopened 2nd review saying that they did request for the information. Today I logged into my account, and says 2nd review found the transaction to be valid. Basically, I returned the merchandise, kept copies of sales draft saying refund was processed and yet, I still Discover does not want to resolve this issue. Seems like there is some secret agreement between Discover and XXXX. I never had anything like this before, where after more than once clarifying the issue it would end up the same way. 

What is baffling is the fact that they are not directly addressing the issue. They claim the transaction was valid- which is obvious since I did purchase the item. So yes, the initial transaction is valid, but they are ignoring the fact that this claim is about a refund not received, and not a dispute about whether the initial transaction was fraudulent or not. Discover is willfully being difficult and obtrusive in the final outcome. And more glaring is them being insidious in how quiet and elusive they are in secreting my funds which i wholly deserve.
I sent updated information to all three of the credit bureaus with a returned letter updating the information to an inaccurate reporting. This is done intentionally by a insiders in the credit bureaus '. Please review the letter sent to all three credit bureaus ' requesting info be updated below.
Had a credit card with Wells Fargo involuntarily closed without warning. All remaining points that were earned from spending on the card were confiscated, including those due to be paid out for past purchases. The amount of rewards that Wells Fargo withheld for spending that already occurred is roughly $ XXXX- {$300.00}.
Negative credit reporting is appearing on my credit report from State Collection Services, XXXX, Wisconsin. I have never heard of this company and am not aware of any debts owed to them.
I took out about {$65000.00} of loans at a low rate of less than 4 %. Over time, the interest rate has gone up over 8 %. I now owe about {$120000.00}. FedLoan is calling that the principal balance. I paid about {$11000.00} in 2015 in payments, but only about {$2100.00} is going to principle ; the rest is interest. It is ruining my life and I need help. I can not save for retirement or hope to help my child with college. I sold my home to have a chunk of cash to pay off the loan and start over financially. Can you help me negotiate a fair amount to pay? I can pay it today, but I can not pay {$120000.00}. I can not get to someone in Fedloan to discuss a change ... all I get are the people who answer the phone and say that none of the programs will help me and I am just out of luck. 
Original balance if loans {$65000.00} They say the principal balance is {$110000.00} My payment of {$990.00} to pay off the balance as it currently stands is for 273 months. I have paid 10s of thousands of dollars already. This will make my payoff {$270000.00} for a $ XXXX loan at a low interest rate. This is not right. Please help me.
I came home from college and i recieved a letter in the mail stating my account was closed due to check fraud. I dont know anything about that, i was in school for 5 months prior to this happening and there was no Bank of America where i was located so i couldnt have made any type of transactions.
I have repeatedly requested that Central Financial Control provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attache
IC Systems contacted me about a debt for {$380.00} that I don't owe. They call me from spoofed numbers in order to get me to pay for a debt I don't owe.
Per us bank response letter dated XXXX XXXX, 2015 mortgage account # XXXX The OCC consent order an enforcement action of XXXX XXXX, 2011 was issued under scope and discovery that said was a GHOST MORTGAGE LOAN ; by-law, per the XXXX XXXX county recorder office. It was discovered that there was no certified and filed re-estate document as a DEED OF TRUST, as assigning us bank NA the beneficiary and their assigned Trustee, and I, XXXX XXXX the Borrower. Because I never had an escrow ( loan ) close with us bank NA on my real estate property, as where a title company could have requested an order ( escrow ) number to be recorded and mailed to us bank a legal certified and filed DEED OF TRUST, per an original escrow file with said title company as holding the real estate loan packet signed and dated by me ( terms and condition of payments, Interest % rate etc. ) also us bank stated ; A foreclosure sale was held on XXXX XXXX, 2011 ( False statement ) The OCC investigation ; no legal record of the alleged Trustee sale certified and filed with the appropriate court nor county recorder 's office. under the OCC jurisdictional review, the check of {$34000.00} was in part reimbursement as in ERROR us bank collected monthly mortgage notes payments from me under this ghost mortgage loan account. per these new issues that the bank raised under this mortgage account number, us bank need to provide the title company that closed holding the original escrow closing file with a original real estate loan packet that is signed and dated by me, Giving the bank legal authority of security Interest in my real estate property, thank you.
On about end of  XXXX    XXXX  , I applied for a Best Buy Store Credit Card after researching about the benefits and rewards that is advertised on their web site. I did this after I went through researching the unclear advertising of the credit card, when I contacted an online representative to check how it works and also showed up in a store branch to re-check and confirm the credit card service and its benefits. The representative at the store confirme d that 1 ) I can finance 2 ) and receive the % 10 ad vertised rewards for th e 1st purch ase using that card. She also applied for me when I was there. At the same time after she applied, she used the card information with my approval to make a purchase of about {$3000.00} of computer items in the store.     I did not receive the  % 10 rew ards after a while when I showed up again in the store and someone told me I have to wait more as it may take up to 3 months for the rewards to be available on my account. On  X/XX/2017    when I escalated the case to Best Buy customer service, I was told that I have lost my %  10  rewards because of opting for financing.   Customer care stated the store representative who had applied for the credit card and made th e 1st  purchase for me on  XXXX  had failed to either apply for a %  XXXX  coupon or did not have appropriate training to know about how this promotion works. Either case, I made my decision to apply for the credit card for the benefits that was advertised which was also finally confirmed by the store represantative and I 'm disappointed about false information or unclear advertisement of this credit card service. I would have never applied for opening a credit card only for financing, and I could make this purchase for a much better price from another store if it was n't because of the 10 % rewards that is advertised on BestBuy.com web site.
My bank currently has issued me XXXX Overdraft Charges. XXXX of the charges are on Deposits!!!! XXXX of the charges are on amounts that kept my account negative under {$3.00} a total balance of $ XXXX I called and verified this would not be affected because it was under {$3.00} and advised I would be bringing a cash deposit, also told by the employee the cash could be deposited in the ATM and I would still avoid the fee except for the XXXX purchase that put me into overdraft-I have XXXX purchase and XXXX deposits. I should have only XXXX overdraft fee, I should not have XXXX fees. This is very disheartening!!!!
Commonwealth Financial System - A Debt Collector has put negative information on my credit report for a bill that should have been paid by VA. Almost ten years ago I went to a VA Clinic because of XXXX XXXX XXXX ( XXXX ). When I arrive at the clinic they were concerned that my XXXX and called an ambulance to take me to the nearest hospital. I told them that I would drive to the hospital myself but they insisted that it was n't safe and I must go via ambulance so I relented and was transported by the ambulance the called to a nearby hospital. Several months later I started receiving bills from the ambulance carrier because VA had not paid the ambulance. My wife contacted VA who agreed that the trip was initiated by them and would therefore be covered. Months went by and the bills started again. Again we contacted VA to request that they pay the bill. After nearly a year of going back and forth with them they explained that this coverage had not been paid because VA had restructured and this benefit was moved to a different department. We had to start the process over with them. After many months and tremendous frustration VA agreed again that they would cover the ambulance ride. We believed that after 2-3 years of working through the bureaucracy that this was finally taken care of. In XXXX of 2016 according to my credit report Commonwealth Financial System a Debt collector is trying to collect on the ambulance ride provided by VA again. I explained all of this to them but they are unwilling to remove it from my credit report. I asked them if they had anything signed by me saying I was responsible for the debt. They said " no '' but they are not going to remove this fraudulent collection unless I pay the bill. I am a vet who 's credit is being hurt because VA has not paid has somehow not paid a bill that they created and Commonwealth Financial System is holding me hostage for the money.
XX/XX/XXXX I filed Chapter XXXX bankruptcy. I was not late or delinquent on any of my accounts during this month. I was actually only late on 2 accounts in the past 7 years. JCP reported my account negative XX/XX/XXXX, the month I filed Chapter XXXX. 

I filed a dispute through XXXX  and they changed my highest balance to {$0.00} and changed my late payment date from XX/XX/XXXX to XX/XX/XXXX( this part is accurate ) but left the negative mark on XX/XX/XXXX. 

This is showing as a negative account on my credit report and is absolutely not correct I was not late/negative/delinquent at all in XX/XX/XXXX and it should not be reporting negative. 

My reports do show " Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX '' however the negative reporting on any months where there was no late payment made should be removed. 

I am attaching copy of my credit report for XXXX/JCP to show what I mean by negative payment history.
Hello and I have submitted multiple disputes to this case and has not yet resolved the problem I have in my bureau of experian 2 months late payments XXXX and XXXX I have never had late payments with the company XXXX XXXX Account closed always been punctual in my payments I have the account statements that confirm my punctuality with payments to XXXX XXXX please update my payment history ..
I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution.  XXXX directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. XXXX claims they recieved the alert from XXXX, who claims Transunion initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.
Refuse to work with me on payments. School had closed and they still had me repay. Original lenders sold to them. And their interest rates are way higher and keep going up.
IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( 2 ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
I have had a XXXX XXXX for years that included as the primary benefit, annual companion tickets as a reward. There is a substantial annual fee. Upon renewal this year, I did not receive my companion tickets. When I called, I was told that the companion tickets had been discontinued. I was not made aware till after the fee. I receive all communcation electronically and did not receive in sufficent clarity to know that the primary benefit of the card 's annual fee had been discontinued. I was also told that there was another card with a higher fee that still has the benefit. And then I was told they do not offer it period. 

As a matter of course, the product should have been cancelled and made clear that it is now substantially different. There is no benefit to the annual fee. I asked that my annual fee be refunded. I was denied. 

Due to the poor communciation concerning the elimination of the reward program associated with the fee, I want my tickets or a refund.
On XX/XX/2018 I made a payment in full to Choice Recovery for the amount of {$320.00}. This is the amount I owed in full. I am still receiving phone calls from the company requesting that I pay them again. I have no other debt with this company and the {$320.00} has been removed from my bank account.
I have Medical Insurance this is from a Car Accident I communicated with hospital that they needed to charge my Insurance first XXXX Car Insurance 2 nd I done so many times never had gotten a notice of this going into Colection
Last year I was solicited for a bumper to bumper warranty product from what turned out to be XXXX different companies that were both charging me for an un necessary warranty on a car I am leasing that has a full factory warranty in place. 
I would like a refund as both companies mis represented the facts to me claiming that I could n't use the other and ended up both charging my credit card. 
I eventually changed the Capital One Card number to avoid additional charges. 

I would like assistance in obtaining refunds from these XXXX companies who I feel turned out to be scam. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ Both companies were charging my card for {$110.00} and {$200.00} for roughly 8 months each. 

They were charging my Capital One Credit Card. 

I am XXXX and my son recommended that I reach out to the CFBP to help me in sorting out this mess. I do take some responsibility for providing my credit card, however I feel they mis represented facts and confused me and I didnt realize I was getting charged by XXXX different companies for many months. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATEXX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXX XXXX XXXX NA DATE XX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXXXX/XX/XXXXXXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XXXX XXXX XXXX DATEXX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX
i got a automated call today XXXX/XXXX/XXXX from number XXXX & followed up with a call from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX i have no knowledge of this account and i have informed the agency that i have been a victim of identity theft, i did ot make any payday loans. 

i need copy of contract signed, iD presented, Store Location, video surveillance E.T.C. 

this is an ID theft, i have not collected any such Loans & i want this collection and threats of lawsuit to stop now.. 

this is the first call & first time i am hearing about this, claimed it was an account from XXXX, this is XXXX 5 years later. i am 100 % sure this is not my account and i need organization to close the account and delete records from my credit. 

Thanks