WillisBack/dataset-financial-user-claim huggingface dataset:
I strongly believe I have been wrongfully foreclosed on. I am following up and giving you a status on what the banks have done to me and my family by refusing to work with us from the beginning when we defaulted on the mortgage loan. The certificate has been issued back to the bank XXXX OWNER servicer Wells Fargo mortgage. I do n't understand how the big banks got a bailout and they refused to modify my mortgage loan, instead decide displaced us from my home. This was my only and first time home. Now we have lost it to foreclosure. I have been advised they sold the home to XXXX, XXXX and they sold it to another investor XXXX, XXXX for {$110000.00} a double closing. Why could n't they modify my loan for that amount which would 've been afordable. My mortgage loan was for {$220000.00} interest only loan 10 years ago. I am so upset and disgusted. Who is watching over these transaction?
Hello, I set up a credit freeze with Experian about 6 years ago. I misplaced my PIN number to get the freeze lifted, and so filled out the form online to prove my identity. The website did not accept my information for some reason, so I mailed Experian documentation to prove my identity. I did this over a year ago, and received a response that my request to lift the freeze was rejected. Experian did not state why and what else I needed to submit, even though I followed the instructions exactly. I then tried recently ( XX/XX/2016 ) to submit my documents online, but they were rejected by the system, even though I followed the instructions to a tee and provided all the required documents. I then went to my local Experian office to get help and was told that it was just a call center and nobody could help me ( even though this is the address where the documentation to lift the freeze is processed ). In addition, I made multiple phone calls to try to talk to a representative but could never get a person on the line because they do not provide the option to speak with anyone. I have been trying to rent an apartment and can not because of this freeze. I have spent many hours trying to get the freeze lifted with no luck. I am very sick and in a XXXX situation due to XXXX in my home and need to move immediately but my plans are being held up because of this credit reporting company. Please help! I can not get in touch with a human being so this has been impossible to resolve. Thank you so much!
2007 chex systems unknown amount saying that they were police officers coming to arrest me if I did n't pay for insufficient funds check
Upon checking my credit report I noticed that I have a ding on my report for something That should not be there. This account was closed years ago due to the fact that the fitness club did not open within a reasonable timeframe from when I signed up. I moved out of state and notified them that there was not a club near my home and for that reason, I was informed that my account would be closed. In addition to the aforementioned, I never received a " dunning letter '' or anything notifying me of this alleged debt prior to it being placed on my credit report.
False advertising to get consumers to sign up for credit card. 
The Fidelity Visa card advertises that it gives you XXXX points for every dollar you spend and that you can claim it as gift card, statement credit, etc. However, if you want to actually use it as a statement credit, you wo n't get XXXX points for every dollar spent. I have the documentation if required.
I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. Credit Management Service 2. XXXX 3. XXXX XXXX XXXX
I applied for a credit card from capital one and was approved for a credit limit of XXXX dollars under the pretense and not realizing i had entered my drivers license number as my social security number which is still an identifiable form of identification and submitted supporting documents to prove i am myself the company refused to give me the line of credit because they did not want to change the information as requested when it was presented and in other factors its curious because they stated that if they reported to the credit reporting agencies they would not be able to associate me to my credit profile however when their own credit monitoring service showed my credit profile it shows a card linked to myself as an authorized user on a card through XXXX i seek to have this case thoroughly investigated and the company to uphold to the original approval
I applied for a loan modification in the XXXX. I was accepted into the program in XXXX at this point I believe I was one month behind. I was given a grace period for XXXX and stated making the trial payment in XXXX. I made 6 on time payments until my mortgage was permanently modification in XXXX. I think is unfortunate that my 6 on time payment are not being reported. The agreement states that the modification could adversely affect my credit report but does not state my on time payments would not be accounted for. It states the reporting that the loan being modified will affect my credit. Also, my modification was accepted on XXXX XXXX, XXXX but I was still be reported behind until XXXX. I have attempted several times through the different credit bureaus to have this changed but to no aveil. I understand that they payments are being considered partial payments but after a year of on time payments I believe I am justified in my request for my information to be undated.
I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : XXXX XXXX COLLECTION BUREAU, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CACH , LLC. YES ALL XXXX FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME XXXX TO XXXX TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES XXXX AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF THEM THIS HAS DAMAGE MY CREDIT. THANK YOU.
This account is outdated and appears on my credit report as paid with a XXXX   balance. I recently received paperwork that i owe a mysterious amount of XXXX. I have a court date of XX/XX/XXXX to appear in court. I dont owe this amount and my credit report reflects it. I have requested a validation letter from XXXX and they have failed to respond to me for the amount stated in the court letter. Please remove this account. It is problematic and it is reporting an amount that i do not owe.
I have made several dispute, one in XX/XX/XXXXand the other in XX/XX/XXXX for several different amounts of debt owed that was paid down, I have worked very hard to pay these account down and some PAID IN FULL The account that is in collections from a medical bill, XXXX XXXX XXXX XXXX those bill has been paid in full, my XXXX BILL also. Many of my cards have been paid with no late payments for at least 6 months. Also new cards to increase credit as suggested by XXXX XXXX/XXXX  and my loan officer. One other credit bureau I have seen my score increased because of making payments and new cards added to my account to increase my credit  score. I am working very card. I just want TRANSUNION credit score please need to reflect my efforts by increasing my credit score. Thank you.
On XX/XX/18 I spoke with XXXX from AmSher who said she was collecting a debt owed by me from XXXX XXXX in the amount of {$89.00} for reasons unknown by myself, the debt collection company nor XXXX XXXX. XXXX XXXX can only tell me that it was an account in my name and was closed over 12 months so they have no information. I would have no reason to open a separate account in my name alone at the same address that I share with my husband. We had an account in both our names. There was no separate account in my name only and so a fraudulent act has been committed and AmSher is trying to get money from me that is not owed.
I, XXXX XXXX, have a loan with Hyundai Motor Finance. My initial contract did not call for them to charge me a late fee. In XXXX of 2015, this company started doing so. The late fees have accumulated and even though I have been paying my payment, Reported on my credit as late. When I contacted the company, Their reply was that Alabama now allows them to charge a late fee. I did not get any notice of any change to my contract. I am a XXXX and if not resolved, plan on suing them in federal court. acct # XXXX XXXX/Hyundai Motor Finance/XXXX XXXX XXXX, CA XXXX
XXXX uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice
This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).
I get this email from a company called XXXX XXXX XXXX saying I have a loan due. 

I DO NOT have any loans or I have not applied for one. This number is not a working number. 

Email says : XXXX XXXX XXXX XXXX Your payment is due soon - we look forward to seeing you Hi XXXX, This is a quick reminder that your payment is almost due. We look forward to seeing you on XX/XX/18 to make a payment of {$550.00} on your current loan. 

For additional payment options, call your XXXX XXXX XXXX  Store at XXXX and we would be happy to discuss them with you. Did you know that check cashing, XXXX, and XXXX XXXX services may also be available in your state? Ask about these services on your next visit. 


Thanks for choosing XXXX  XXXX XXXX - we appreciate your business.
XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to  XXXX  and Equifax . This personal data included a government issued ID, bank statement with current addresses. XX/XX/XXXX - I received a letter from  XXXX  and Equifax stating that I need to send the same information that was sent in  XX/XX/XXXX  in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply. XX/XX/XXXX - I resubmitted the same information to   XXXX   and Equifax and received the same response in via a letter in  XX/XX/XXXX .
This has been an ongoing battle to with these  XXXX  credit bureaus to accurately update my personal information and no such luck.
My equity line from XXXX XXXX ending in XXXX was reported XXXX X late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.
I am a XXXX and work XXXX, all of which qualify for the public service student loan forgiveness program. I have been on the program for several years. I have XXXX things I need help with. 

First, unfortunately, when I first went on the program I was mistakenly told to sign up for a type of government student loan which did not qualify. I found out and changed to a program which does. 

The problem is, I ca n't find out exactly when I was put on a qualifying program so I do n't know how many more payments I have to make to reach the 120 payments required on a qualifying loan and have the rest of my loan forgiven. 

When I called the Department of Education to ask, they told me they do n't know and I have to call my current loan servicer. But when I called them ( MOHELA ), they said they do n't know and told me to call the Department of Education. 

In the meantime, because individuals combining several part time jobs must work an average minimum of 30 hours per week to qualify as a full time employee and get the loan forgiveness after 120 payments, I have to have a combined XXXX and office hour load of 30 hours per week. This is because most schools will only certify the hours I XXXX and hold office hours when they fill out the employment verification form I must give to the government, even though they know my work load is much heavier. ( I also have to XXXX, etc. ) A normal XXXX load requires XXXX between XXXX- XXXX classes a semester for a total XXXX time of about 9 to 15 hours a week plus one or two office hours a week. I 'm doing double that XXXX load. I would like to cut back my XXXX, but can not do that until I have made the 120 student loan payments under an approved loan program. 

Can you please tell me how to find out how many payments I have already made under the required loan plan so I can know when I can cut back to a more normal teaching load. 

Second, Could you also do something about requiring schools to XXXX work more hours then just those XXXX, and include those other hours on the work verification forms we have to turn into the government to verify our work loads. There are many job where the employee is 'out of the office ' but still obviously working many additional hours per week ( inspectors, real estate agents, visiting nurses, plumbers, house painters, etc. ). Can we please do something about this. It is my understanding that for the Affordable Care Act a school has to put about 2 1/2 hours work for every hour a XXXX. That 's a reasonable approximation ( if understating the work most of up put in ).
This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$300.00}. I pulled my credit report because I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$540.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.
Transworld System Inc is the record keeper for XXXX which is a trust, not a lender like some reps at XXXX XXXX XXXX claim ( XXXX ). I need all of the negative marks removed due to misinformation that XXXX gives. There are multiple complaints against XXXX due to misinformation given, there are over a hundred online as of today. Per XXXX state law, XXXX ca n't force auto debit down my throat, I have told them several times that I will never do that with them. Also per XXXX is considered to be a XXXX debt buyer which means they have to adhere to FDCPA and FCRA. XXXX is a XXXX trust that sells debt into investment vehicles and has to prove whether or not they still have the loans. I have not received any proof of this which I asked for several times. Transworld has send some of the debt to a collection agency, but it is illegal to collect on a debt without showing me where it is currently per an attorney I spoke with. XXXX is a fraud they have received several XXXX and XXXX complaints against them which Transworld is aware of. My credit is trashed due to XXXX and their lies. Transworld outsources to other firms to do their work, the way their system is set up is so confusing. On my credit report, it shows that XXXX is a credit grantor which is a lie. XXXX is a trust and XXXX is a servicer. Per the FDCPA and FCRA, all of the information given to the credit bureaus must be accurate. I want all of the negatives plus the loans removed from my credit, I have told XXXX that I am not interested in doing auto debit with them. I even sent them a letter along with the forms saying to stop sending that information to me. I just found that XXXX of the loans was sent to a collections law form even though I was told by XXXX XXXX that he would hold the loans. Transworld is well aware of the complaints because they can go online to find them. My credit is ruined because of the way Transworld does business and they are in the business of confusing people, I can be sued over this debt even though XXXX refused to give me all of the required information, they only sent a promissory note but no information showing anything about XXXX. Also, whenever XXXX send out any letters it only states XXXX on the letterhead and XXXX XXXX XXXX for the name of the loan, again no mention of XXXX which is required for all paperwork. XXXX is a sham based on the complaints I read against them plus they use scare tactics such as wage garnishment, in order for any company to garnish my wages against me on a private loan ; they have an active judgement against me in the state XXXX. My federal loans were in current status, therefore the scare tactics are illegal.
I have previously submitted complaints concerning unauthorized charges by Wells Fargo to my credit card for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX. I think I should be reimbursed for these fraudulent charges. When Wells Fargo was approaached to respond, their responses were fiction. The transcription sent to me was fiction and addressed a policy that was not the one I was charged for. I was charged for a XXXX XXXX XXXX and the transcript was for " health benefits. '' Please look into the XXXX XXXX XXXX Fraud as I am sure I am not the only XXXX.
On  X/XX/2017    my parked car was struck by a hit and run vehicle outside my house. I had it towed by  XXXX   XXXX    XXXX    XXXX  because they were on the scene first and offered a {$50.00}  XXXX -mile tow and their facility was only  XXXX  miles away. I went to get the car the next day and somehow the bill had shot up to {$610.00}. I went there again the day after that and after  XXXX  hours of attempting to negotiate that to a fee that was not outrageous I eventually had to pay because they threatened to put a lien on my income and everything I own once it accrues {$2000.00} in storage fees if I just let them keep the car ( it was not worth more than {$700.00} at the time ). Paying with credit card ended up being my only option and it costed an extra {$61.00} so my grand total ended up being {$670.00}.     Naturally, I called PNC 's dispute department as soon as I got home and told them to withhold the charge and I 'll file a dispute. They said they would send out a letter for me to respond with my own letter detailing the events and any evidence. I agreed and waited for the letter to come. Somehow within the next few days, the charge was posted anyway and my request to stop payment was ignored. I moved forward with the dispute assuming that would n't be an issue once I get the chargeback initiated anyway.   Within  2  weeks I got the letter and responded as directed with my written statement.     A month later on  X/XX/2017   , I find out that my dispute has somehow been denied and they are letting the tow company keep the {$670.00} that they wrongfully took.
Equifax was hacked in XXXX 2017 and waited for 5 weeks to let those affected know they were at risk. I am now susceptible to credit fraud because of their negligence.
An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX, the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with XXXX XXXX were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with XXXX XXXX