WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.
Synchrony Bank which issues Sam 's Club credit cards is pulling a " XXXX XXXX. '' For the past two months I have been charged late fees and interest on my balance without receiving a statement from them or the statement arrived two days after I was emailed that late fees and interest was charged to my account. Furthermore, I have paid my balance on time and there is no record of it on my statement. When I tried to resolve this matter with the bank with a supervisor I was put on hold for 10 minutes as part of a avoidance tactic. When I called back again to speak with customer service, I was disconnected. I tried again and I was disconnected. It is my opinion that this another tactic banks are using to XXXX customers into paying monthly late fees and interest in an attempt to improve their bottom line. I want those late fees removed and all interest charges removed from my account immediately. This is another example of how banks like XXXX XXXX and Synchrony are XXXX unsuspecting customers to their benefit.
The bank became what she thought was her answer that bank and loan companies are now not around so she took the reverse morg. it was either that or lose the house I do not feel that was fair. Now the government owns my home and XXXX XXXX Florida just put in city water when we all had great working wells and is charging each home owner XXXX XXXX to pay for it I am XXXX there are so many people leaving cause they can not afford it and when my daughter when to the meeting she was removed twice for talking about how unfair this was ... the city is now putting in a giant pool which they toss out that the idea over money now all the sudden its being put in the city water was voted in the summer when winter residents were not here to have a input we pay XXXX to get over our bridge and yet our gov. took XXXX of XXXX money to pay off a civil suit he lost ... that would put alot of water in is there anything I can do
Equifax mishandled my information, not keeping it properly secure. This put the information at risk, leaving me exposed to potential identity theft and/or fraud.
Transunion was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. XXXX mortgage with datesXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. XXXX. Universal credit with dates of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. XXXX XXXX was n't given permission to run my credit on XX/XX/XXXX. XXXX XXXX for on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX unknown. XXXX on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XX/XX/XXXX. 

These inquiries appear on all three bureaus : Transunion, XX/XX/XXXX, and XXXX. 

Please have these unauthorized inquiries removed immediately.
I 'm XXXX XXXX XXXX I noticed Enhanced Recovery re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.
OnXX/XX/XXXX, I requested that Aargon Collection Agency validate debts reported on my credit report. The accounts are for {$750.00}, {$200.00}, and {$200.00}. As of today, XX/XX/XXXX, Aargon  Collection Agency has yet to verify these debts and is still reporting these debts to credit bureaus. I never received notice of these debts prior to them being reported to credit bureaus. I have no knowledge of these accounts.
I GOT A 'CARECREDIT ' CARD WITH MY DAD AS CO-SIGNER SEVERAL YRS AGO & THE XXXX  I USED IT AT DID HARDLY ANY WORK ON MY XXXX  BUT HE TOTALLY MAXXED OUT THE CARD WITH CHARGES FROM WORK I NEVER GOT DONE & NOW I OWE OVER TWICE WHAT WAS THE ORIGINAL CREDIT LIMIT. I TRIED CONTACTING THEM ON SEVERAL OCCASIONS BUT TO NO AVAIL. I JUST WANT THIS DONE & OVER WITH CUZ I HAVE HUNDREDS OF THOUSANDS OF DOLLARS IN TRUE & REAL MEDICAL BILLS DUE TO MY XXXX, MY DAUGHTERS XXXX & HUSBANDS XXXX & THIS ONE NEEDS TO GO CUZ THE COMPANY & COLLECTION AGENCY THEY USE R RUDE IGNORANT LIARS!
I am not XXXX sure of entire issue because company asks for the last XXXX of my SSN, which I do n't feel comfortable giving. My spouse looked up the number and saw that it belongs to STL ( short term loans ). I had a loan from a company with this name many years ago. However, it could be from a different company because they are all considered STLs. I started getting calls to my cell and house number ( unlisted ) from XXXX XXXX XXXX XXXX. My mother and sister have also been getting phone calls from this number. The rep asks for me by my maiden name. I tell them I do n't feel comfortable giving them the last XXXX of my social. They talk about an unpaid debt. I explained to them multiple times that I paid all of my loans and if I did n't it would be reported to check systems and I would not be able to take out another XXXX. I also told them that the loan place likely " went under '' and sold them my info without providing them with the details about my account being paid in full. The rep acts as though they are understanding and say they are making a note of everything, but they continue to call several times a day every so many days. I told them they can send me info through the mail, but that I would not double pay for something that was already paid in full. I also told the rep that this was harassment.
I have on several attempts made contact with XXXX XXXX XXXX about an account ending in XXXX and asked to remove this inaccuracy from my consumer file .... XXXX XXXX, Customer Service Department informed me that this account had been sold with out my permission to a collection company on XX/XX/2018 i received this notice ... I have not approved of this account and it has not been verified or validated, but to learn that this card whom which i did not obtain has been sold to a collection agency i am asking for immediate removal as i have no contract with XXXX XXXX XXXX nor do i have a contract XXXX XXXX XXXX this is violating my rights under the FCRA..My personal information is once again in the hands of someone whom i have not authorized to be ....
My credit score has been lowered from the XXXX 's to the XXXX 's due a reported debt of {$260.00} by Action Collection Service, XXXX XXXX XXXX XXXX XXXX, ID XXXX. This debt was reported to XXXX in XXXX of XXXX. I have spoken and written to the agency, letter dated XXXX/XXXX/XXXX, their case # XXXX, and have not received a reply. XXXX refuses to remove the negative report. 
Prior to learning about the lower credit score, I have never had any contact either written or oral with Action or the Company it represents. Why then has my credit been damaged?
Since XX/XX/XXXX I entered into an agreement with Navient to begin paying back my student loans. I also requested to participate in a program that would lower my rate or monthly payments. I have been making the necessary payments ( {$470.00} ) since XX/XX/XXXX and it continues to show on my credit report that I am 180 days pass. This has caused my credit score to drop significantly. Please assist me with understanding if this is right. I still have not been approved for the program to lower my rate. They continue to ask for more documentation regarding the co-signer while taking {$470.00} from me every month. I have asked them to consider that I have been able to make the payments on my own, why is it necessary to have the co-signer personal information. 
Looking for guidance and assistance as I feel that this is completely unfair and unreasonable. 
Thanks
Went to the government 's official credit reporting site, XXXX, and the only service that gave me a report was XXXX, Equifax gave me a XXXX ( which is a server error ), and XXXX did n't work but then thanked me for using their service, without providing a service, which means I ca n't look at it until next year.
We were approved for a HAMP permanent modification and then my father ( the only borrower ) passed away. Ocwen informed me that they would have to revoke the HAMP while they process the Loan Assumption to me. After Ocwen approved the assumption, they now are informing me that I will have to reapply even though HAMP has expired.
Synchrony Bank Financial is reported my XXXX XXXX/ XXXX charge-off account to the XXXX credit bureaus as open and currently XXXX payments late and delinquent. This is illegal because i have filed chapter XXXX bankruptcy in 2012 and i have been forgiven of this debt. they way in which they are reporting is affecting my FICO score tremendously, making my bankruptcy irrelevant. They refuse to correct it and delete it and the lying credit bureaus keep verifying it as accurate.
I noticed that my name is listed wrong. My maiden name XXXX XXXX XXXX and married name XXXX XXXX XXXX are correct. ( I legally changed my name back to XXXX XXXX XXXX because I am going through a divorce. My name was never XXXX XXXX but it is listed on my report. I would like it removed!
I made a serious mistake by entering into a lease agreement with XXXX XXXX in XXXX NC. XXXX XXXX XXXX. At the time I went to just look around, my XXXX lease was expiring. I defiantly was pressured into this vichle. I am XXXX and the simply wore me out. The went so far as to drive me back to my home with a salesmen to pick up my puppy, so I wouldn't leave and not come back. The said they did not want anything to happen to the XXXX XXXX I was turning in. I was looking for a payment of about 260 . I finally got out about XXXX XXXX that night, with the car. When they sent me to the financial man he gave me all these papers in small print to read. I stupidly trusted him. There motto is Our customers are always for life. Now I know why. They failed to tell me I would get a bill from XXXX for XXXX because I did not buy from them, plus I was billed for some damages on the XXXX. They did not want me to go with the salesmen as I was supposed to do., to get the pay off. The knew I was going to be billed and that would have stopped me from leasing the XXXX. Instead they turned in themselves and a few days later I received a XXXX $ bill from XXXX. Within two days I receive a bill for over 350.00 + . From Hyundai. When I returned to ask about this they never told me I would have that bill as soon as I left wth the car. In addition to that I find the finance man put two warranties on the car. One for maintenance and one for one for Master tech, whatever that is. I was unaware of that. After much haggling they removed the warrantees and gave me a credit. To make matters worse my daughters company closed and she was without a job. She still does not have a job and now has XXXX and it will be 6 weeks before she can even think about it. She has moved out so I have no help from her. Now the payment was impossible. I am behind and they Want to reclaim the car. I will never catch up. I have pleaded with them as I live on SS. It's a constant battle. I returned to the dealership and asked for help. I tried to turn it in and get an older car from them. No never. They want me to lose the car so they can repo it and then sell it cheap and I would be paying for a car I don't have. I am desperate and have no where to turn to. This's lease is now almost one year old so I have two more years of torture unless I die first. I guess I would be out of the lease.
I 've received multiple phone calls within the week, threatening me with undefined action and that they will be " actively pursuing '' me at my home and place of employment. They do not provide the name of their company, nor information regarding the " debt ''. 
They have called my sister and have left the same message on her home phone. 
The phone number is XXXX ( XXXX, FL ). A XXXX search shows that it might be a company called Recovery Solutions. The message also states that they can be contacted at " XXXX '', whatever that is.
My home caught fire on XXXX/XXXX/2016. The insurance settled in the amount of {$86000.00} which was less than cost of estimated restoration.When informed, XXXX from M & T Mortgage Loss Draft Dept., suggested that I payoff remaining principal on mortgage first and remainder will sent back to me to repair house. I signed check and mailed to M & T bank as directed by Loss Draft Dept., According to USPS, the check was received and on Wednesday XXXX XXXX, 2016. Till date M & T has refused to inform me when the balance of settlement check will be returned to me. In the meantime, I am suffering further losses in my house due to theft and vandalism. 
Note prior to sending the settlement check to M & T bank, I called its payoff department requesting a payoff amount for a future date of XXXX XXXX, 2016. I received a fax stating payoff as {$20000.00} if paid on or before XXXX XXXX, 2016. This date is exactly seven business days after M & T bank received check from me. I am afraid M & T bank is trying to take advantage and not close my account on time and in the process may ruin my good name. I have inquired of M & T bank 's Loss Draft depart., and also Customer Service Dept. , and received the same answer " We are working on it ''. 
I would like M & T Bank to credit payoff amount within 7 business days of receiving check and send balance back to my mailing address of record.
I leased a XXXX XXXX XXXX from Honda Financial Services. On XX/XX/XXXX I returned the car to a Honda dealer, and sold it to my daughter and son-in-law. The dealer removed the old tags and put on new ones. I was assured the old tags would be returned to Virginias DMV. I XX/XX/XXXX I received a notice from Honda Financial that  I owed {$450.00} for a personal property tax bill for calendar year XX/XX/XXXX. 

I attempted to contact both XXXX County taxing authority and Honda Financial to rectify this situation. Honda Financial informed me that they have requested a refund from XXXX County, but if I did not pay the property tax for XX/XX/XXXX, it would affect my credit rating. 

I believe it is wrong for me to have to pay for what appears to be Hondas failure to notify XXXX County about a change in ownership, and I believe even stronger that taxing someone for property during a period of time when they did not in fact own that property, and havent owned in over a year, is wrong.
I am contacting you to see if you can help me resolve a problem that has been stopping me for years from getting back on my feet. I am a XXXX year old woman. The short story is that, between XXXX and XXXX I was scammed out of more than {$100000.00} by fraudulent lenders. I had a screening process in place which obviously was ineffective, so I continued to believe that the lender I was dealing with was honest. The problem I need help with is that several of those lenders contacted me and agreed to give me the loan. Three or four times, their method was to tell me they would be depositing a check into my checking account to verify it was authentic. Once the check cleared, I was to withdraw the amount of the check and wire it back to them which was when they would be transferring my loan. Each time, the check bounced a few days later. As a result, both the bank and I lost money. The last couple of times, I contacted the bank to make sure the check had cleared. I was assured it had so I did withdraw the funds and wire them back to the " lender ''. I never got a penny from any of them but the worst thing was that, eventually, I was listed on ChexSystems (? ) and I have not been able to open any kind of bank account for the last two years. I did not make a penny from the transactions and, although it was my checking account, the bank did clear the checks before I withdrew the amount of the check. I have receipts for just about every penny that I was scammed out of online. In fact, I have been notified that I will be getting a decent amount from a suit the government has done with XXXX XXXX regarding their participation in these scams. I hope there is someway you can give me to get this cleared up and my name removed from ChexSystems so I can open a checking/savings account. Thank you.
I first started with annual credit report website for copies of my credit report. I receive XXXX out of XXXX agency with no problem. Equifax stated online they can not find the report and need more information in hard copy. I email SOcial security card and bill with address as requested. Equifax send back same letter requesting the documents 3 more time with me sending them three more time. Last time I add the information to the certified mail, and letter ask XXXX they need any other information but with no response beside the same letter asking for the hard copies that I sent. 

I file a dispute online with them but no reply was provided after a month.
There is a particular Account that you place on my credit file Acct # XXXX XXXX XXXX XXXX XXXX that I have disputed as fraudulent account but yet you still havent removed the account. I am unaware of the account for the final time. I mentioned several times that the account doesnt belong to me and that I am unaware of the account. I disputed this same account more than 5 times but to receive a falsely generated code from your computer that this debt is verified and I know it isnt mind and Im unaware of it. It clearly is a fraudulent account which I look to do an internal dispute and file this as an affidavit as well.
The issue I have with my mortgage lender, Nationstar, is that during my modification review the underwriter calculated the incorrect income and expenses that did not correspond with the supporting documents I submitted. My monthly expenses total {$3700.00} and my monthly gross income total {$5400.00}. The expenses the underwriter used for the review was {$4100.00} and monthly income of {$3700.00}. I have requested an appeal and escalated this matter with the lender. I want my loan modification application to be re- reviewed and I have submitted the most recent income documentation to the lender. The underwriter did not review the income and expenses that reflect my financial situation or correspond with the supporting income documents I submitter per lender 's request.
I received both a letter and an email offering me a {$25.00} cash reward ( after spending {$25.00} or more within the first 90 days ) and an additional {$100.00} reward ( after spending {$1000.00} or more within the first 90 days ). The reward would be paid within 6-8 weeks after meeting both those goals.. 
I spent {$150.00} on XXXX and XXXX on XXXX therefore meeting both of the required amounts for the two rewards. 
For the first reward, 8 weeks was Wednesday XXXX/XXXX/2016 and for the second reward it was 6 weeks on the same date. 
I contacted American Express in a chat on XXXX and was told I have to wait the full 8 weeks. Since today was over 8 weeks for the {$25.00} reward, I contacted them again in an online chat and was told that they would have to open an investigation which could take another 30 days! At the same time I asked to chat with a Supervisor/Manager and she ( XXXX XXXX - XXXXXXXXXXXX ) would call me after I emailed her a copy of the email from American Express describing the offer. That has not happened as of yet.
I just got my XXXX Credit Reportand noticed bills for XXXX loans that have been sent to collections. When the losns were paid out I was not even in XXXX because I was XXXX. I only attended XXXX XXXX before I was XXXX and I was told that I never receives a disbursement. What can I do about this? I do not see this as fair at all and it looks lioke a huge ding on my report. I believe that this should be definitely removed from my record.
When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the supervisor. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work for XXXX XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work at XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency.
Commonwealth Financial Systems, Inc received a letter called them and set-up payment arrangements starting in XXXX XXXX of {$50.00} a month then in XXXX XXXX I started paying them the {$50.00} from my bank account and {$130.00} from a card. I have agreement with them and Commonwealth is still saying I owe them money and I have the bank drafts and card statements to proof that they was taking the money and they should be paid in full actually they was overpaid according to the agreement we have. This is still on my credit report and I have emailed them the bank drafts and card statements to proof and they still refuse to fix it. The last time I talked to them on the phone a supervisor got nasty with and tried to tell me that I had made my payments when I had sent them the proof.
I have a Belks Credit card. I have paid it early every time and have been a loyal customer. I reported my card lost/stolen to belks. They issues me another card due to this situation. I also reported other Credit cards lost/stolen at the exact same time. I pull my credit report and belks put my XXXX card on there as CLOSED and then put another card on there as a brand new card. Never has this ever happened. So now I have a closed card and a brand new card opened on my credit report. This affected my credit score and it 's unfair. I complained to customer service XXXX so far and am given excuses as to why it 's there. Why do n't all companies show the credit bureau card was lost/stolen and then issue a new card. Why is it only belks that does this? If that was the case, I would have said forget it. Belks deceived me and I want answers NOW! I did n't ask for XXXX belk cards to be on my credit report.
I have a brother that has the same XXXX initial as mine, and XXXX of XXXX numbers of my social security are the same as his. Our credit has merged as if we are the same people. His student loans, child support, vehicle repossessions, etc. are on my credit report. PLEASE HELP ME.