WillisBack/dataset-financial-user-claim huggingface dataset:
A university I applied to but was not accepted to, still had my information on file. They accidentally uploaded my social to a student who is currently enrolled in that university and her loan appeared on my credit report. I filed a dispute with Equifax and sent in proof and documentation that showed the loan was not mine. The documents included ; my social security card, copy of drivers license, email from financial aid director at the university stating that it is not my loan, and a police report. Equifax still did not remove this from my credit report even with all the proof.
Midland Funding placed a collection account on my credit report and has not contacted me in order to give me the right to dispute or ask for verification of this debt. This is supposed to be done within 5 days of initial communication ( placing this on my credit report is them beginning collection on this supposed debt and is the communication ).
On XX/XX/18 I set up an automatic payment plan on my debt for {$130.00} a month on my credit card. With CMRE debt collector 's. On XX/XX/18 I called and made and offer to pay off debt in full. 
The company accepted. Two days later they charged my credit card again for {$130.00}. I called again and they said it was to late to atop automatic charge and debt paid in full but now it was for the full amount not offer in compromise. 
I asked if this was going to happen again next month, they said we are professionals of course not. 
Today XX/XX/2018 guess what there is a charge for {$130.00} on my credit card.
In a clearance interview a company was reported that I was not aware of. My credit report revealed a company SANTANDER Consumer U was owed XXXX plus from XXXX. I had never heard of this company, nor entered any agreement with them. I did have a car repossessed in XXXX I believe with an outstanding balance, but I never knew what it was because the car was sold at auction. I do know that it could not have been more than XXXX or XXXX XXXX if that much. They are reporting XXXX as outstanding with the last payment in XXXX. This is not correct. I am soon to face a XXXX because of this report to my credit. I did not know who this company was therefor I also appeared untruthful. I have made several financial mistakes in my life an am not the brightest in this area. But this can not be right. Only XXXX is reporting this debt. If I cant resolve this my military service could be in XXXX.
On XX/XX/2018 while at work, I received two calls from a gentleman at Alpha Recovery Corp in XXXX, CO at work. He also dialed a colleague at my place of work and requested to speak with my manager or supervisor. This gentleman also called my cell phone repeatedly the very same morning. When I finally got to my desk and answered his harassing calls, he would not tell me where he was calling from he simply stated " XXXX '' and was asking me to verify my husband 's information. When he called MY place of business he actually asked for my husband who does not even work here. I asked him kindly to remove my work telephone number from his records, which he did not say he would. I then I asked him to send us documentation of what he was looking for and he said that he would not. I feel as though he had a very argumentative/threatening nature right off the bat and by calling colleagues asking to speak my supervisor and Human Resources for my HUSBAND who does not work here. It's a tactic used to intimidate.
This has happened before already with the same account which does n't belong to me ( XXXX ) that has been forwarded to a collection agency. This is identity theft and I will not allow it to ruin my credit score again
Our mortgage loan is due XX/XX/XXXX with a grace period til XX/XX/XXXX to pay with no late fee accessed. Went to make XX/XX/XXXX payment on XX/XX/XXXX and the website was under maintenance and would be back up running on XX/XX/XXXX. Made the payment on XX/XX/XXXX when the website was back up but was assessed a {$200.00} late fee since it was past XX/XX/XXXX. Contacted the mortgage company and spoke with XXXX, XXXX - manager then XXXX - supervisor to try and have the late fee waived since we were not made aware of the website maintenance in advance. They said we were not sent notices via email, mail etc. however had we gone on to the site one week prior when they put the announcement on their website we would have seen it was going to be down during that time. I explained to all 3 that I don't go to the website but once a month to pay my mortgage so notification should have been sent and since it wasn't the fee should be waived. Please help in having this refunded. Thank you. 

XXXX XXXX
Late payments for XX/XX/XXXX and XX/XX/XXXX are showing on my credit report.
Dear Sir/Ma'am, Good afternoon! I bought a mattress from XXXX XXXX  in XXXX  XXXX, VA in XX/XX/XXXX and used financing through Wells Fargo to pay it off in installments. Shortly after that, military obligations caused me to move to XXXX XXXX, CA. I had trouble getting auto payments set up after getting calls and calling Wells Fargo several times. I would get calls that the payment was due, I would pay it, and then ask why auto pay was not taking out the payments. After a few months of this happening, I then ended up deploying. When I returned the account had gone to collections and also been charged off. I received no emails about any of this happening. I then settled the entire account balance with Wells Fargo in XX/XX/XXXX. My credit score had been increasing, due to no other negative remarks, and so I decided to send Wells Fargo a letter asking for a possible goodwill adjustment. The request was declined, but then I noticed that I had taken another big hit to my credit score. When I looked, Wells Fargo had updated the date reported on my account to XX/XX/XXXX. I'm not sure if they have the right to do this, but it seems unfair that an old debt could come back and negatively affect me well after it's been paid off and settled. I would just like some clarification as Wells Fargo has been unwilling to help me or give me answers. Thank you very much! 

Regards, XXXX XXXX
On Monday XX/XX/2018 I received a letter from ProCollect Inc. After reviewing the content of the letter, my wife & I decided to give them a call. During the conversation the agent mentioned that we can immediately pay by Debit Card, because the payment deadline is XX/XX/2018?. She explained that the original creditor sold the debt to ProCollect without contacting me first!. 
On Wednesday my daughter who was the tenant decided to stop at the creditor ( District of XXXX, XXXX, Florida ) office for clarification of the charges. The answer she received was, that we need to contact ProCollect because they already sold the dept to them.
XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies transunion, XXXX and XXXX. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Hello, I was just on the phone with Navient, my student loan servicer trying to touch base regarding my qualifying payments for the Public Service Loan Forgiveness program since I am about halfway through my 10 years of qualifying payments. It turns out that when I set up the loan, the servicer provided me with wrongful information regarding the loan forgiveness program and set me up with a non-qualifying graduated payment plan despite talking about a possible income based plan. We discussed the loan forgiveness program and how I would qualify since I work in XXXX  XXXX, but they still put me on a non-qualifying plan. I found this out 53 payments later after trusting that I was set up properly. I called XXXX to see if they can back date my loan forgiveness so that I don't have to start my 10 years of qualifying payments over again, but they said it's not possible to change the payment plan going backwards. I am at a loss and can not believe I have to start over after 5 years of payments due to wrong information given to me by Navient. Attached you will find records of all of my 53 payments ( with my most recent payment pending ). They are all paid days before the due date. It does not indicate that these are not qualifying payments or that they are part of a graduated payment plan that is not eligible. They do not indicate that they do not count toward the PSLF. Based on guidance from my Navient servicer I was under the impression that I was making payments that were qualifying payments for the Public Service Loan Forgiveness program and that I was almost half way to my 120th and final payment.
I received a payday loan of {$300.00}. They started deducting {$60.00} per week from my bank account. After about 8-10 weeks they were still deducting the amount only it was now {$95.00} a week. I had direct deposit that I did n't want to stop but I had no choice but to close the account. After some time someone from an agency contacted me & my employer threatening arrest so my employer wrote a check for over {$1400.00} for the loan & " fees '' to this agency. 
I thought that was the end of it. In the past month, people from another agency " Midland Credit '' have harassed me and my daughter, sister & friend threatening me yet again. By this time, I had unfortunately suffered an accident which resulted in becoming an XXXX. The man who called " XXXX XXXX '' called me names and said that my daughter told him my situation. He said he did n't care who I was or what I suffered from but that I had to pay this debt. He switched me to " XXXX '' who proceeded to berate me and call me a criminal. I am at my wits end and want this harassment to stop. Who knows how many people they do this to a day? I asked for them to send me the paperwork and the " 10 day notice to appear '' and they refuse. Please help!
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
For my XXXX  Visa card ending in XXXX, my XX/XX/2018 statement showed {$3000.00} due on XX/XX/2018. I paid exactly the full amount {$3000.00} on XX/XX/2018, a week before the deadline, and somehow incurred additional {$25.00} in interest.

Nowhere did it say that I had to pay more than {$3000.00}, either at the time of the statement or at the time of online payment. So the company basically gets to collect interest over the full month by withholding information from customers.

The attached files show the statement with XX/XX/XXXX due date and the full payment on XX/XX/XXXX
XX/XX/XXXX - {$99.00} XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$100.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$99.00} XXXX XXXX XXXX FL XXXX XX/XX/XXXX - {$89.00} XXXX XXXX XXXX FL XXXX All these locations committed fraud, I've never been to these location. Wells Fargo confirmed that I as a client have no history in any of these locations. But they only refunded the first incident of this, and told me I'm out of luck with the other ones. Even though it is in their 'notes ' that I'm not at fault here.
This account was closed on XXXX/XXXX/2010 with a XXXX balance and still showing on my credit report with XXXX.
I would like my XXXX for XXXX fixed please. It is reporting in collection when it is in deferment and current and has been for over a year. I have called both XXXX XXXX XXXX and XXXX XXXX XXXX. I have XXXX Loans with them. XXXX is closed, paid in full XXXXis for XXXXand is in deferment, and XXXX for XXXX which is in default. The problem is you are still reporting in collection when account is in deferment and in process of being forgiven. I have contacted both XXXX XXXX XXXX and XXXX XXXX XXXX who both stated the loan is in deferment not default and is not in for collection. I have filed multiple disputes trying to get this fixed and I am ready to contact a lawyer this is ridiculous. My next step is going to be to file a FTC complaint as my numerous attempts to get this fixed is not working and I want this fixed.
My husband and I were both potentially impacted by the Equifax breach. We feel that this company was negligent in protecting our personally identifiable information and we 're lodging a complaint ( we 're sure one of many ) for the record.
I applied for an Income Driven Payment option in order to drop my monthly payment from {$250.00} a month. I submitted the proper online form and aloud them to acquire my income tax information through the IRS to go into processing. I discovered that they based my payment on only my income and household and based on their algorithm they increased my payment to {$260.00}. I am currently trying to save to get a new apartment with my girlfreind, I make {$39000.00} a year and by XXXX XXXX standards that is right on the poverty line. I find it unfair they only considered the variables that I was a single male with no dependents to base my monthly payment without even considering the double city tax I have to pay, the {$900.00} a month in rent and I have another loan under XXXX XXXX XXXX that I pay an additional {$100.00} a month on.
XXXX ( through XXXX XXXX XXXX ) offers promotional 0 % interest on certain purchases. I opened a new account and made a purchase for {$4900.00} on XX/XX/XXXX. They market this as 0 % interest for 12 months. I made additional non-promotional purchases during the same billing cycle for {$860.00} and retuned {$140.00} for a net balance on those non-promotional purchases of {$720.00}. On the first statement due date of XX/XX/XXXX I paid {$750.00}, but was charged interest. 

I spoke with XXXX on XX/XX/XXXX and they indicated that {$170.00} of my payment was applied to the promotional balance, leaving an outstanding balance of {$150.00} on the interest bearing non-promotional purchases. 

Within the promotional fine print there is a disclosure that a minimum principal payment will be applied each payment cycle, but nowhere on the statement does it disclose the amount that will be applied to the promotional balance, so there is no way to know how much you need to pay to cover both non-promotional purchases and the minimum principal payment due on the promotional purchases unless you call them in order to avoid paying interest on any non-promotional purchases
I have about 14 credit card inquiries that I have no knowledge about, I am a victim of identity theft where some one opened credit accounts with my information, I filed a complaint with the police department and credit companies and also filed credit fraud but they will not remove them..dont know what else to do..
XXXX  and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from   XXXX   to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since   XXXX   runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.
XXXX XXXX is fraudulently reporting my account as a collection charge off to the credit bureaus. I have asked for proof from both the credit reporting bureaus and the furnisher of the reported information. Not only have my request been met with zero proof, the time frame far exceeded the FTC investigation times. I have asked that this item be removed from my report as it is not verified nor, factual. Nothing has been done regarding this matter ( disputed 6 months ago )
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Conn Credit Corp XX/XX/XXXX
On XX/XX/XXXX He capital retail bank states that I opened an account. Which is false I never opened this account. On XX/XX/XXXX the company states said account went into collections. In XX/XX/XXXX this company was sued and settled with you file number XXXX. In XX/XX/XXXX company changed its name from XXXX XXXX XXXX XXXX  to XXXX XXXX. In XX/XX/XXXX cavalry said they acquired this account. On XX/XX/XXXX cavalry states they sent a notice of debt. The notice was never received by me. I was out of the country due to being a armed forces service member. The company states they did not receive a dispute or validation request within 30 days. This is because I was not in the county and never received said notice. If the company sent the notice certified they could have known I never received it.on XX/XX/XXXX the  company states they sent me validation of debt which again was never received and i was again out of the country. I have been disputing this account for years. the company then sent me a validation copies of old bills with just a name and address. An address which I've never lived at and that reflects on my credit report. A name which shows over 189 people with the same name in XXXX FL. I would like a copy of the original application along with a signature page to show this debt is no mine and never has been. The account has already been removed from one credit report just waiting for the others. This is a stressful and unfair way of doing business. If you can not be sure that someone received a notice you should not be able to try and then throw a debt that doesn't belong to them since you never received a dispute.
XXXX XXXX closed my lowes card because my credit score dropped some. I paid my bill early every month. Then they mess with my credit with my walmart card lowered my limit. I pay early and mpre then bill. They are messing with my credit score now that they keep checking my credit. Its not right.
Rushmore Loan Mgmt Servicing reports an open tradeline with payments iao {$1300.00} and balance {$170000.00}. I am joint on the promissory note for this loan and quit claimed my interest to the co-applicant. I also included the promissory note in a chapter 7 filing that has discharged since XX/XX/2015 ( case XXXX XXXX. I understand that divorce decrees do not supercede the actual debt, however the debt was fully discharged in the Chapter 7 and therefore this should be credit suppressed and all delinquencies reported since the discharge should be deleted and the balance should reflect {$0.00} discharged in the chapter 7.
I had XXXX XXXX account deleted last month and just two days ago it was re-added back to my account. I have disputed this account provided the correct paperwork and Equifax keeps adding accounts not mines or deleted accounts. 

I have also added my ID since they do n't have a copy of it.
I was due to close on a home loan today XXXX with Capital One XXXX XXXX. Which had been extended already a week due to the paperwork not being handled correctly. I had called everyday that week till today and was told everything is fine and just waiting on the under writing. Now come closing date I am denied and can no longer proceed. Six weeks of wasted time. I will lose the XXXX dollars of the earnest money. The XXXX $ on the inspection. I called the XXXX agents that were assigned to me all morning and no phone calls back for hours. None of them knew what was going on. Eventually called there managers and same answer. Waiting on the underwriters. Just unprofessional and unorganized.
Midwest Recovery Systems XXXX XXXX XXXX XXXX submitted a collection account XXXX for {$690.00} to my credit files with XXXX, XXXX, and XXXX on account that does not belong to me. I contacted the Florida Attorney General and explained the issue and was informed that this a time-barred debt in accordance to Florida statute and that I should receive notification of the validity of the debt from the debt collector. I have not received any notice and it appears that the debt collector is using tactics which violates my rights under the Fair Debt Collection Act. Please assist me in this issue.
I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX