WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX the XXXX  account was taken over by another party. In XX/XX/XXXX I received a bill with a past due balance. I contacted XXXX  whom then stated it was an error on there system and that I was not responsible for the balanace due to it belonging to the party that took over the account. XX/XX/XXXX I had a collections placed on my credit report for XXXX. I contacted XXXX  first they told me the account wasnt properly taken over. Then when proved it was due to other persons name on account, I was told I didnt cancel my name from account. Again proved wrong due to account being taken over, I was told that the person didnt properly take the account over. I stated that the Individual has been paying thats not true, then I was told o well the account was written off XX/XX/XXXX so they didnt take over properly but there is nothing we can do because its already been sold to collection agency. I asked for supervisor and was refused to be allowed to speak with supervisors. Its a lie because the person that took over the account had been paying and once she canceled her account, then XXXX  placed it in collections a month after under my name.
on XX/XX/18 XXXX XXXX from oracle financial group left me a voicemail stating fraud charges were going to be filed on my for non payment to XXXX. said I needed to pay a certain amount by that day. I agreed to pay XXXX that day with a debit card because she scared me with threats. then the remainder of XXXX would be dedutced on XX/XX/18 and XX/XX/18. the XXXX payment was maid. the XXXX payment was returned. I had other expenses and I didn't get a bonus. she left me a message saying the terms were voided out. then on XX/XX/18 I was left a voice mail by her saying I was not wanting to help my self and my bank assets were froze. I called my bank and they told me that couldn't happen. I tried repeatedly to call her back and she just left me on hold and the call got passed to 2 other people. I have reported them to the better business beauru and the attorney general in my state. the attorney general office also told me to file a complaint with yall as well. I was trying to fix this matter. but they made threats and now I don't care. thank you for your time.
I recently fax request for mortgage modification to Carrington Mortgage because my mortgage is delinquent. I was informed XX/XX/2018 by XXXX in Carrington Customer Service Dept. property foreclosure sale was put on hold and the modification request was under review. XXXX also stated the property foreclosure sale was put on hold. I called today XXXX to check the status of the modification request and was told the modification request was declined and my property would be sold at a property foreclosure sale XXXX. I have not received a declination letter for the modification request from Carrington, also was given the opportunity to appeal the modification declination.I didn't receive a letter from the foreclosure attorney or Carrington Mortgage stating the foreclosure date was Reset. I have not been given the 30 day notice prior to the property foreclosure sale as required per the Tennessee state law. I have resubmitted request for mortgage modification to Carrington with financials.
Hi, I received confirmation that my information with Equifax has been exposed. 
Please let know what options i may have regarding this. My personal identity has now been released and exposed.
I had a vehicle financed through  Santander Consumer USA  from  XXXX    XXXX  . The purchase price was {$13000.00} two months go by before they applied a whopping {$12.00} on the principal in  XXXX  of   XXXX  . They have robbed me of several thousands of dollars during the time of purchase to the end of the car being totaled out due to an accident. I purchased the vehicle in    XX/XX/XXXX made my payments on time and the balance never went down. I was unaware of the fees that they were charging me! Since the car was totaled out my insurance company paid the vehicle off plus I had GAP coverage that should have taken care of the remaining balance of the loan. But somehow they are reporting that I still owe {$3400.00}!! There is no way that this could be possible!! I am in need of a new vehicle and am unable to obtain a loan due to their tactics. I also noticed that when my insurance company paid them they applied the amount in separate transactions and paid  XXXX  to interest!! That should have all went to the principal. I called and spoke to a rep and she had said that this was normal?!! I started researching this company and have seen all the lawsuits and complaints and feel that they need to cease their unlawful practice. I would like this item removed from my credit report due to the damaging and deceptive practice they placed upon me.
at one time my daughter was on my XXXX bill i changed carriers later at some point she got her own account selling her a bunch of stuff she did n't need & could n't afford abt 6 months later i discovered sprint debiting my credit card with her debt i made them refund it also told them she was to pay her own bill she got out of a job could n't pay bill they cut it off i just found out thru credit karma a month or so ago they had turned it over for collection i do n't owe the bill if they insist i will sue them for debiting my credit card my daughter did n't have access to it the only way they could have gotten is by saving number in data base because i only used credit card when i bought something
On XX/XX/XXXX, I went to a Conns store in XXXX to purchase bedroom furniture and a mattress during the aftermath of Hurricane Harvey. After the purchase was made through a store credit, I asked the sales person would I be making once a month payments to my account. The sales person reassured me that it would be just one payment.  Every other week, money was being drafted from my bank account in addition to me paying Conns once a month. This activity was going on for two months and I did not receive email confirmation nor a letter by mail. I contacted the Conns store and no one could answer how and why this was occurring. I finally learned that two loans where taken out : one to  cover the mattress and the other to cover the dressers, night stand, and bed frame. I didnt agree to this nor was this stated to me at the Conns store. My bed furniture breaks and was not of good quality. XX/XX/XXXX, I fell into hard times and I was unable to pay the loan for the bedroom furniture. I fell on payments due to being XXXX XXXX XXXX   and I have been on bed rest. In XX/XX/XXXX, I stated this to the customer service representative and they insisted on taking money out my bank account. On yesterday, I explained to them I am not working and I am on bed rest due to the XXXX XXXX XXXX. I explained to the person about the phone call in XX/XX/XXXX and I requested to speak to a manager. The representative said she was a manager and called her manager for an extension approval for me. Then, the person demanded I pay {$200.00} after I told her I was not able to. I keep receiving several phone calls, text messages, and emails everyday. I keep receiving threats about collections and multiple negative reports to the credit bureau. I feel my concerns were not taken into serious consideration and I will be in the hospital soon. This situation is stressful.
I have a debt on my credit report from Quality Assest Recovery. I had it removed from my XXXX Report in 2015. I contacted my Insurance company about any bills the originator XXXX XXXX XXXX submitted to my health Insurance and My provider assured me that I had no claims with XXXX XXXX with patient Responsibility. I do not know if this is an attempt to get me to pay a balance that their contract will not allow them to receive from XXXX XXXX or what. I have not been able to get information.
I have repeatedly had difficulty accessing all three credit reports and scores for the purpose of disputing information. Without purchasing monthly monitoring, I have not been able to access my reports aside from a monitoring service ( ProtectMyID ) provided by a medical company due to potentially compromised personal information. The information provided through the ProtectMyID website ( Experian ) indicates significant incorrect and derogatory information on my report. This is extremely problematic and has made it impossible for me to obtain credit that is necessary for business related travel and expenditures. Not only has it been impossible to obtain my credit reports through the XXXX major bureaus, I have been unable to dispute the incorrect information ; thus, leaving me with a false indication of my creditworthiness and inability to rectify the errors in a timely manner. From what I have been able to view on my credit report, accounts that do not belong to me, as well as incorrect dates ; amounts ; demographic information ; etc., remain on my report and I have not been able to get this corrected despite repeated attempts.
On XXXX XXXX,2017 Equifax administration sent me a Retaliation and Discriminating response through CFPB Portal.
Calling me Dear, XXXX XXXX. My name is not XXXX XXXX.My name is XXXX XXXX XXXX.
Why is Equifax Administration retaliating against me as a XXXX Military Veteran and my XXXX Lifetime?
I filed complaint on XXXX XXXX,2017 Case file # XXXX.
What 's Federal Government going to do against Equifax Retaliation and Discrimination against me as a Military Veteran?
TD Bank has refused to allow me the opportunity to plead my case with the appropriate department/manager. I contacted TD Bank on XX/XX/2018 and was transferred to the Fraud Department as my wife and I had an account that was on a " no check activity '' status due to fraud. This account was supposed to be closed already, but we resolved that on the phone already. The supervisor in the Fraud Department helped my wife open a new account. Once this was done, we were hung up on. When we called back and stated the same information, we were transferred to a supervisor who continued to belittle myself and my wife as well as say " no thank you '' when we asked for a manager and this individual ( whose name is XXXX, I beleieve ) kept hanging up on us. I then spoke with TD Bank today, who confirmed this individual put all of my other accounts in a " no check activity '' status due to the serious delinquency. The delinquency exceeded {$1100.00} and of that, 27 fees were assessed at {$35.00} each, totaling {$940.00} in fees. 

My son receives Social Security XXXX checks. That money is used just for him to get things he medically needs. It's unfortunate that the bank has allowed me to get this negative with that many fees, and fees being assessed BECAUSE of fees. The bank is essentially stealing from my son, who desparately needs his XXXX to get things he needs to live. 

I request that an individual with a heart at TD Bank look at our situation, while considering that we fell on hard times, and refund the fees so we can at least start getting back on our feet. Without those fees being refunded, my son will go without things he needs to survive.
While enrolled as a Student with XXXX XXXX I was told that in order to maintain my enrollment I needed to take out private loans due to not having enough federal funding available. This has resulted in high private student loans that are piling up and forcing me to have next to no money to live even though I make almost XXXX XXXX a year. Now XXXX each has closed and ran with all the money they received
I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion XXXX, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
I received a collections letter from Convergent Outsourcing Inc. for a {$2000.00} debt to XXXX. I do not have a XXXX account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in WA but the collections letter was mailed from XXXX MI.
I received a loan in 2014 that I defaulted on and have now been receiving harassing phone calls to my employer, family and elderly grandparents. This debt collector states that they are a Lawyers Office `` XXXX XXXX XXXX XXXX '' and I have called them back multiple times and representatives have been extremely violent and harassing. These phone calls have been back to back to my employer and are putting my employment in jeopardy. This " Lawyers Office '' has threatened my grandparents that I am being sued and only have XXXX hours to respond in regards to this matter. I have contacted the Advance America who has referred me to a debt collector who in correspondence refereed me to another debt collector " XXXX ''
A notice of cease and desist, as well as a reuest for porrof of contract was sent to Transworld Systems , Inc. on XX/XX/2018. However, they refuse to respond. Instead harassing and contacting me everyday a couple of times a day since the date listed on the notification letter.
I have tried contacting this company by information provided and have yet to reach anyone or have anyone contact me back regarding closed accounts on my credit report concerning Navient XXXX XXXX XXXX XXXX, PA XXXX.
Equifax leaked my personal credit information due to improper security protocols at the Company. As a result, my SSN, birth date, address, and other personally identifiable information may have been leaked without my permission. As a result, my identity may be stolen as my personally identifiable is no longer secure.
Last Friday, XX/XX/2018 I deposited a check in the amount of {$150000.00} XXXX PESOS at Bank of America XXXX branch in  XXXX, Texas. I was very disappointed with the service, the bank teller and his manager told me I had to wait between 4 to 6 weeks to cash it and to be deposited in dollars in my checking account. As a 34-year Bank of America constant customer I believe I deserve much better service, in addition, the bank manager told me she was not able to tell me the international commission, and fees incurred in the transaction and the exchange rate, especially when this bank branch is about 5 miles away from the border. I recalled this Bank of America procedure is EXACTLY the same as it was +30 years ago, in other words, Bank of America has not upgraded their technology nor adopted current global banking practices. I have copies of the form Bank of America made me fill out so you can corroborate my assertions. The problem I expect to have is that once the transaction is done I will incur charges I did not expect. 
These obsolete and abusive banking procedures undermine the efficiency and honesty of banking institutions and promotes customers to follow questionable and predatory lending institutions such as lending and money exchange outlets
I disputed an XXXX charge of {$570.00} with Citibank. I received a temporary credit and was sent a letter via mail from Citibank which I mailed back. Citibank has since be rebilled me for the charge stating they never received my response which is ridiculous. It also instructed me to follow up with the merchant which was the reason for the dispute because the merchant refused to cooperate with me.
I have never had this company in my name. This says it has been open since XX/XX/2017. I have had XXXX for over 2 years. There is no way that this could be my debt. Company has not sent proof that this was done by me. Only thing that I just recently received was a settlement letter. I am not paying for something that I have never had in my name. They are saying I owe {$500.00}.
On XX/XX/XXXX I completed an application for an apartment at XXXX XXXX XXXX in XXXX GA. Later that day I was contacted by the property manager and told that they could not process my application because although I had signed the necessary authorization, they could not get my credit report from Equifax . I was told Equifax said there was a " freeze '' on my account. 

I called Equifax and was told that since I did not have any credit cards and had never had a loan, I had no credit account and they had no information on me. 

I called the property manager and they said they would contact Equifax again. 

On XX/XX/XXXX I again called Equifax, but after supplying considerable information, including my name, DOB, SSN, current address, former address for 17 years, prior addresses for 25 years, every previous telephone number I could remember, the last credit card I ever had which was in XXXX from XXXX which I always paid on time and then closed, I was told repeatedly that I had not correctly answered the " security questions '' and they could not give me any information, including whether there was a " freeze '' on my account. I kept asking what the security question was and they kept asking about credit cards. I pointed out that I had never requested a freeze on my account and I am the account holder. I asked repeatedly who had placed the " freeze '' and why I had never been notified of it. I was told to mail them copies of my drivers license and social security card to Equifax and they would attempt to investigate and contact me within 30 days. I do not understand how receiving copies of these documents will provide them with any additional information. I gave them both my SSN and my DL number on the phone. Since they can not see me, how are they to tell that I am the person pictured on the drivers license? 

On XX/XX/XXXX I again spoke with the property manager who said she had again tried to get my credit checked with Equifax who told her there was a " fraud alert '' and a " freeze '' on my account. She said another applicant is having the same problem. Unfortunately Equifax is the only company they can use to check my credit. 

Interestingly, I just obtained a report from Experian. I do not understand how there can be a fraud alert and freeze at Equifax and not at Experian. 

I think it is wrong for Equifax to allow a " fraud alert '' and a " freeze '' to be placed on someone's account without notifying them. I also think it is wrong to turn verifying an account holder 's name into a one-sided guessing game. There should be a regulated specific procedure for verifying identity and the person whose account it is should have the right to know what that procedure is and what information will suffice to establish identity. 

I believe that Equifax 's misfeasance, negligence, refusal to provide the information I am entitled to, and failure to respond to promptly resolve the problem may me to lose the apartment. It is the only apartment I can afford. It is in a public housing building. There are no other subsidized apartments available. Equifax may cause me to be homeless.
I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results.
I opened a bank account with TD XXXX ; about 1 month down the line I lostmy wallet and did n't realize my TD bank card was in there since I was still using my XXXX Account. I received my report from XXXX and it states that I Owe Td bank XXXX. I have never overdrawn any money out of that account. I want to file this complaint so we can get to the bottom of what happen to my TD bank account.
XX/XX/XXXX  it w as decreed in a divorce I that ow ed 1/2 of the total amount of {$2500.00} due to Target. Keeping in mind I NEVER signed up for a Target account t o begin with. I was added by my wife at the time without my knowledge. On  XX/XX/XXXX  I  was ordered by a judgement of contempt to pay  my 1/2 of the Target Card, after sending payments to my ex-wife 's attorney that never made it to Target. I paid my 1/2 of the {$2500.00} on or around  XX/XX/XXXX  At whi ch point I should been removed and the remaining balance should been placed solely in the party 's name. I contacted Target several times regarding this account and was told I was removed. I have been dealing with this inaccurate and fraudulent information for over 7 years now and want it removed or at least reported correctly showing my balance of  XXXX  paid in full. All  XXXX   Credit  reports bureaus say they only report what the original creditor response with and the original creditor " Target '' is reporting this wrong. Update I recently found out that the ex-wife filed bankruptcy i n  XX/XX/XXXX fil ed bankruptcy that I was unaware of, but somehow got added by Target. Also On the credit reports it shows the new husband as the joint on this debt not me.
I have previously got assistance for this same information. Chase back issued a XXXX on XXXX accounts I had with them. Upon completion of your investigation they were removed. As of today, they have reinserted the information on my credit report. Please look into this matter. I am trying to purchase a home and this information is hurting my chances. According to information I have researched, Chase can be sued for this action, please advise if this is the case. Thank you.
BB & T has illegally charged my account ( XXXX ) {$210.00} over a period of five ( 5 ) months. As you will see in the attached supporting documents the charges are listed as Misceallanous Debit inwhich I had these accounts for 12 months and I without being notified I noticed these charges from {$9.00} to {$12.00} in XXXX of 2016 I contacted the bank customer services who informed me that they could not do anything but credit me {$35.00} that I 'd have to speak with someone at the branch I opened the account at. 
In fact I did and waited almost 2 months for a branch manager to phone me back and as of today not one has contacted me. 
I spoke back to customer service today again who said only that branch could help me. So as you see my last result was here
We had our home loan servicing transferred from XXXX XXXX Mortgage to PennyMac effective XXXX XXXX, 2015. 
We paid our mortgage of {$2600.00} to PennyMac and they acknowledge it. When I go to their " new '' website, the only have applied the Principle and Interest totalling {$1700.00}. The balance of {$890.00} which should be applied to escrow is missing. When I contact PennyMac I get to a call center in Texas who tells me it is there, although on their website it shows zero. When I ask for documentation they say they do not have E-Mail ( Really, in 2015??? ) and can only send a snail mail letter. My complaint is that there is no one and no way to contact anyone at PennyMac to discuss this. I tried to reach their office in XXXX Ca and I am transferred back to the Texas Call Center.
Reinserted previously deleted information. This information has been previously deleted from my credit reports. It is very old inaccurate information from 2011. I have numerous loans with XXXX XXXX ( and currently 2 loans with XXXX XXXX XXXX since this time and they agreed previously to remove it from my credit report. 


XXXX XXXX Other Loan Late 30 Days {$0.00} XXXX XXXX 2011