WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a TJMaxx credit card at a checkout counter last XX/XX/XXXX. I did not realize that they charged that card {$33.00} for my purchase at the time. I never received the card or a bill EVER from them and never thought much about the card. I had to give them my mailing address which is a P O Box as well as a physical address of the road I live on. Every time since then when I have shopped at TJMaxx, XXXX, or XXXX XXXX ( which is a lot ) they would ask me if I wanted a credit card and I would always say, " I applied for one and never heard back '' No sales clerk EVER offered to look in to it for me. 
I never even knew I owed them money until I got a creditor notice from XXXX XXXX. I find it interesting that they used both my P O Box and street address to mail the collection letter but TJ Maxx did not. 
They have completely ruined my excellent credit over a {$33.00} bill. They did not even try to call me. 
The moment I got that collection notice, I called and was told they would dispute it and to call back in 10 business days. That same day, I mailed a letter to TJMaxx and have never heard back even though, I gave them ALL my phone numbers. When I called back after 10 days, I was told that my account had been sold to XXXX XXXX XXXX. I have since called XXXX XXXX XXXX 4 times and keep getting told that my account has not been uploaded yet. I seem to be getting the run around. 
I have never been late and am devastated that this {$33.00} has ruined my credit.
I have submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau
They represented themselves as police officers to my uncle and grandma in an attempt to get in contact with me. This debt is from9 years ago and do not understand why all of a sudden they are threatening to sue me. In addition to threatening to sue me, they have harassed my family by calling multiple times to each person, they have called me over 10 times just today. Also theor phone numbers register to a XXXX office and believe they are a scam and just knowing that the statue of limitations has run out on the debt, they are still attempting to strong arm me to pay double the original credit limit and threaten me with a XXXX lawsuit through the irs.
This is my XXXX case against this group - repeated attempts to reach them and the debtor are never successful. I keep getting collection letters about a debt that was paid over a year ago.
I went to the Trans Union web site just to get my free credit report. They must switch screens and you continue they ask for a credit card in order to continue. As soon as I realized what they did I found a way to cancel immediately and I wrote them a letter also telling them I was going to report them if they charged my credit card which they did. I try really hard as a senior to avoid the pitfalls that are on the internet, but the manner in which they get you to fill out the information was so totally deceptive. Maybe you could go to their web site and see how they do it. I did not think a financial reporting agency would be so deceptive and underhanded. I have excellent credit and get my score from XXXX and credit monitoring from XXXX and XXXX. I wrote all 3 credit agencies and sent each a check for {$10.00} to freeze my credit because of XXXX. I do not think it is right for anyone to trick you and to something and besides when I realized they tricked me I got in there a found a way to cancel, but they still charged me. I believe there is a law that says you have 3 days to cancel and I did that within the hour. The date was XXXX XXXX th and they charged me {$19.00}. I do n't want this to happen to other people especially seniors. Thank you for you time and consideration.
XXXX XXXX XXXX needs to be removed from all three of my credit reports. When I call the phone number to try and resove the dispute, the company never has agents available. It does give you the opportunity to pay your bill through the automatic phone system, if you have an 8 digit code ( which I do n't because I was never sent a letter or certified mail regarding this debt ). No humans can be found to take your call. ( XXXX ) XXXX this is the number, I find it hard to believe that the credit reporting agency can verify this debt when I ca n't even speak to a person. This debt is through XXXX XXXX, and it was assigned to my ex in our divorce decree.
We paid our home loan off with NationStar mortgage XXXX which turned into XXXX XXXX Mortgage on XXXX XXXX. We paid off our home loan in XXXX XXXX and have yet to see a title or a statement that we are paid off. I FEAR XXXX XXXX XXXX IS TRYING TO STEAL SOMETHING FROM US OR THE XXXX XXXX COUNTRY COLORADO COURT HOUSE IS UP TO NO GOOD. 

XXXX XXXX XXXX XXXX XXXX XXXX Loan Number XXXX
XXXX is soft pulling my credit report every time XXXX or XXXX XXXX soft pulls it. I called XXXX and inquired about it and they said they have no knowledge of it. I talked to Experian and they said since its only visible to me..they ca n't do anything about it..I an concerned about it because there is not valid reason for XXXX to be looking at my credit report. What can I do?
I have made XXXX attempts to have a fraudulent account from Common Wealth Financial removed from my credit profile. I was never contacted by them however, I have reached out to them via certified mail once I discovered the account on my credit and they have yet to respond or communicate with me- but they are telling the credit bureaus the account is mine. 

Also it appears the account is for a medical bill when I have also be insured without any interruptions and I work XXXX.
On XX/XX/XXXX I received a letter from Citibank stating my personal credit card account has been closed as of XX/XX/XXXX. I have been a Citibank credit card account holder since XX/XX/XXXX with an excellent payment history. My account was current and in good standing. They also recently sent me a letter asking if I'd like my credit limit increased. When I went inside my branch in XXXX XXXX, CA, they offered me no explanation. As instructed in Citibank 's letter, I mailed a letter to them at the address they provided in the letter demanding a reason for the account closure. As of today 's date, XX/XX/XXXX, I have not gotten a written response from them. They are past the required 30-day timeframe the law states they must respond. I feel I have been unfairly discriminated against. I have a perfect payment history. I would like to sue them for violating my right to fair credit.
On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I paid the bill out of fear. 
Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
on XXXX XXXX XXXX I paid XXXX to Great lakes to payoff my Student loans for XXXX College for our one semester in Spring/Summer of XXXX XXXX XXXX XXXX XXXX XXXX Has been closed Since XXXX of XXXX Because of the 48 hour special We would like Great Lakes to Return Our Money Since This School XXXX College Never fulfilled their obligations For their Students Thank you for your time and hopefully for your future Integrity..
XXXX XXXX is my Health Insurance and Health Services company. I had a procedure that came with {$100.00} copay. I paid by charging my credit card in advance of the procedure at their prompting. The procedure and payment were XX/XX/2015.I received a collection letter for the item on XXXX XXXX, 2015 from their collection agent AMO Recoveries . I was never contacted by XXXX about the lack of payment prior to this letter from the collection Agent. 
Not only was the payment in advance of service, XXXX never notified me they had no record of payment.
My contact telephone number, on TD Bank 's records, at XXXX XXXX XXXX XXXX XXXX NY XXXX was fraudulently changed by bank employees. Employees and/or co-conspirators counterfeited two checks, one for {$2800.00} and one for {$2900.00}. On XX/XX/2018, Co-conspirators called bank on XX/XX/2018 and had employees transfer {$3000.00} from my corporate checking account to my personal checking account both domiciled at above TD Bank. On same day, co-conspirators cashed the foregoing checks at two different XXXX XXXX XXXX  branches of TD bank.The reverse side of one of the counterfeit checks that was cashed has an inscription " called customer ''. The teller called the telephone number of the perpetrator to which my records were changed. The perpetrator answered the phone and identified himself as me and the teller cashed the check. The other check has no such notation. When I reported this to XXXX XXXX, TD Bank representative, she called the perpetrator and he could only give her my address and not my social security number or date of birth. Therefore, the tellers or the employee who trfed above {$3000.00} could not have gotten necessary ID for Perp. Therefore, this embezzlement could only have been perpetrated by or with the needed assistance of TD Bank employees.
Sent letter with attached application, copy of passport and utility bill to XXXX over four weeks ago asking for annual disclosure. 

I called XXXX last week asking for another report to be sent because I never received the first report. 

I have still have not received my XXXX report.
I applied for a Loan Modification with Well 's Fargo Home Mortgage and I was denied. But the reason that I was given is that I did not have a hardship. My husband and I have been separated since XXXX 2014 and with the loss of his income I am finding it hard to meet my monthly mortgage which is {$2400.00}. My monthly gross income is {$3400.00}. The reason that I was given for being denied is that I my gross monthly income should allow for me to meet my mortgage payment, but after taxes and paying my utility bills and second mortgage, I can hardly pay this payment. All I am asking Well 's Fargo is to lower my mortgage payment. I do n't understand what their criteria is to qualifiy for a Loan Modification. From doing my research, I have found out that these Mortgage Companies are not really helping many home owners at all.
A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All XXXX credit reporting agencies refuse to remove this account from my credit report.
Due to the recent Equifax breach, they failed to adequately secure my social security number driver 's license information, date of birth, address, and all other related information that someone would need to steal my identity. Equifax has breached over 100 million people 's trust due to their lack of care and security concerns. I am now faced with the consequences of their inability to adequately protect the information that they have in their files. At minimum we should be allowed to have our information deleted from the system. I am not going to suffer a potential Financial loss if someone uses my information as it has been confirmed my information was breached by Equifax. I will also suffer a loss due to me having to now pay for my credit reports to be monitored. I can not trust their systems.
There is an account listed that is past the statute of limitations and should NOT be listed on my credit file and can not be validated. I have tried several times and even through the CFPB no response nor validation. Requesting this account below be removed ASAP XXXX XXXX # XXXX
XX/XX/2018 I own two homes. We reside in one and rent the other home.. Our Mortgage company was XXXX XXXX at XXXX XXXX XXXX XXXX XXXX VA XXXX phone # XXXX, service transferred to Freedom Mortgage in XX/XX/2018. Money Orders were sent to XXXX XXXX on XX/XX/2018. One in the amount of {$1000.00}. the other for XXXX. This amount was for XXXX 's house payment. XXXX XXXX acknowledged they received them and said they overnight-ed them in their bulk mail without being cashed on XX/XX/XXXX. The money orders were made out to XXXX. Freedom Mortgage can not find them. We found out they were cashed on XX/XX/2018. In order to find out exactly who cashed them we will need to pay {$30.00}. and send the information on the back of the stubs to the dept. that handles that. Freedom Mortgage contact info. is XXXX XXXX XXXX XXXX TX XXXXphone # XXXX. Copies of both money orders receipts were sent to Freedom and XXXX for their records. Please help us to figure out what is the next action as neither Mortgage companies want to take responsibility for this. I have spent hours on the phone with many people from both companies. Freedom keeps sending threatening letters of collections. We have never been late on any payment and have excellent credit. This is insulting and frustrating. Here a a list of people I have talked to from Freedom : XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX { a three way call was done to XXXX   where we talked to XXXX. XXXX was to send Freedom info. as to bulk amount sent to Freedom and he said it could take up to eight days for Freedom to recieve it. He was to send it to Freedom Mortgage at XXXX XXXX  promised she would call me back asap but she never did and is no longer with the company. } XX/XX/18 XXXX ID # XXXX   XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX XX/XX/18 XXXX ID # XXXX { three way with XXXX from XXXX. XX/XX/18 XXXX ID # XXXX. XXXX wants us to send proof of purchase of money orders from our bank. They already have copies of the money orders receipts and proof they overnighted them on the XX/XX/XXXX. We are not comfortable giving our personal bank info. to anyone. Clearly something illegal happened here. Every payment has been made on time. Why am I suppose to investigate this myself. I am being put through the wringer and I need help. If I pay this again just to keep out of collections, it would be admitting guilt to something we did not do and we would never see our payment that was sent found by Freedom. Payment was sent on the XX/XX/XXXX to XXXX. We did not have a payment book or new loan number yet from Freedom. XXXX overnight-ed to Freedom both money orders on the XX/XX/XXXX. They were cashed by someone on the XX/XX/XXXX, even tho they were made out to XXXX. Something is seriously wrong, please help. Any assistance would be greatly appreciated.

Thank You,
I wrote to the company 3 times ( 2 times by email (XX/XX/XXXX & XX/XX/XXXX ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on XX/XX/XXXX regarding a derogatory/collections item that I discovered on my credit report. <P/>This refers to my XXXX account # XXXX, loan date XX/XX/XXXX, 23 month term, that I believed, and also had received email confirmation that this was paid off on XX/XX/XXXX. <P/>My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for XXXX off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report. <P/>This loan was paid off as ofXX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until XXXX or XX/XX/XXXX. I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history. <P/>After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
XXXX EQUIFAX AND XXXX IS NOT REPORTING MY CORRECT BALANCES AND STATUS AND PAIDED COLLECTIONS.. XXXX XXXX NOT SHOWING UP TO DATE STATUS AND BALANCE XXXX XXXX CREDIT CARD. NOT CORRECT BALANCE XXXX XXXX CREDIT CARD. NOT SHOWING CORRECT BALANCE XXXX CREDIT CARD, XXXX..NOT SHOWING CORRECT BALANCE XXXX XXXX XXXX XXXX XXXX PAIDED IN FULL XXXX XXXX  XXXX ... PAIDED IN FULL XXXX XXXX XXXX INCORRECT BALANCE XXXX XXXX XXXX INCORRECT BALANCE.. XXXX XXXX CREDIT CARD ... INCORRECT BALANCE I HAVE TRIED IN DISPUTES WITHIN THE LAST 45 DAYS WITH ALL THREE REPORTIING AGENCIES. NO ACTION HAS BEEN TAKEN AS SHOWING CORRECTED INFORMATION
XXXX XXXX account was paid in full in XX/XX/XXXX, but on experian report i have 30 days late on XX/XX/XXXX, which is not possible to be true because loan was closed and paid in full in XX/XX/XXXX Disputed a few times, but experian said verified, Please see in atachment proof.
Back in XXXX I purchased a car from JD Byrider in XXXX Ohio. Shortly after I was one day late in making a payment and the vehicle was repossessed. I received disputed the information that was on my credit report in XXXX after I relocated to South Carolina after I received a letter from a collection agency regarding this old car loan. I was contacted by a lawyer from JD Byrider who could not locate any information on my loan from XXXX and informed me that they were not able to locate any paperwork on me since the original creditor is no longer in business. I received a call today from a company called XXXX XXXX XXXX who are trying to collect on this debt that no one after all this time can one prove I still owe. I still have yet to receive a copy of the original contract and disposition of the sale of the vehicle in accordance with Ohio XXXX. In addition this company has stated that they will sue me over debt that was long past the statue of limitations in Ohio as that expired in either XXXX or XXXX.
XXXX As the listing agent, I received a conditional pre approval letter from Umpquah Bank. 30 days later - 4 days prior to closing - the loan was denied due to insufficient income! The lender at Umpquah said that the buyer 's financial documentation was not provided until 21 days after mutual acceptance of contract. At that point the lender discovered they could not qualify. I asked why we received a conditional loan approval and he said he always does that even if they are not pre-approved. I called his supervisor in XXXX, Oregon. To my dismay, she confirmed that is a common practice. Umpquah will provide a pre approval letter even if they know the buyer is not pre-approved. She went on to say it is my fault for not asking the right questions and just taking it for granted the pre approval was actually a pre approval. She said they do n't want to lose a buyer to another lender if they do n't provide a pre approval letter. I told her I think she is doing something against what the guidelines of the CFPB by providing a pre approval letter with zero income documentation. She said she is not doing anything wrong. The seller had a bidding war and chose this buyer based on pre-approval and other terms. If the buyer was not pre-approved, we would not have chosen this buyer. We lost time and money.
I called and the representative said that this debt was from an emergency room visit. I have never visited the emergency room ever.
This collections agency appeared on my credit report with me having no knowledge of them at all. I have never been contacted by this agency nor have I gotten any mail regarding this. After reviewing this collections agency on the XXXX  website via the reviews left, they are known to be fraudulent and very much a scam. This has impacted my credit score significantly and is unacceptable.
I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX
I decided to reach out to the Navient in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from Navient in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and Navient took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under Navient they fall under XXXX XXXX and should be removed. How can Navient Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.