WillisBack/dataset-financial-user-claim huggingface dataset:
I was XXXX of an organization, XXXX XXXX XXXX from XXXX XXXX. I turned the organizations checking account over to the new XXXX XXXX XXXX. However, I did not remove my name from the account because I was in the process of filing embezzlement charges against the XXXX during my tenure. The XXXX was suppose to close the account and open a new account. The new account was opened and the XXXX made personal charges on the account. The XXXX did not pay the account so they sent correspondence requesting that I pay the account. Upon explaining to the lawyer of Brock and Scott the situation about six months ago, that this was an organization I had not been apart of it since XXXX, the lawyer agreed with me. The lawyer form Brock and Scott sent a letter to me acknowledging that I did not have anything to do with the account as such my name would be removed. The XXXX failed to pay the account and earlier this month, I received a Warrant in Debt along with the XXXX for the amount plus attorneys fees. The lawyers will not take my call and keep saying that XXXX has made arrangements to pay by XXXX/XXXX/XXXX. This should resolve the debt. The problem I have is that I should not be a party to this debt regardless of what happens. Brock and Scott only sent the communications regarding this settlement to XXXX and not to me. These communications contained my Personal name and address. So now they are only communicating with the XXXX and not me but sending emails and letters addressed to me to the XXXX. This is a violation of the law and I want my name removed as previously indicated by Brock and Scott. The XXXX even signed a statement acknowledging that the debt is his. This was sent to the Brock and Scott but I have not received any response. To date, I have requested all correspondence sent to me about the debt from Brock and scott but they have failed to do so.
I contacted all my creditors about a non-collectible debt ( XXXX XXXX on my credit report. I proved that I am exempt from the debts under federal law as a XXXX Veteran. They all agreed with me and said that they have removed the debt ( s ) from their records and requested that the XXXX XXXX XXXX XXXX major credit bureaus to remove the adverse information, as of XXXX XXXX, 2015. However, all three credit reporting agencies refuse or delay to remove the adverse information from the record. The accounts are : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. All XXXX credit reporting agencies are not doing what they have to by law. 1. Experian 2. XXXX 3.XXXX
XXXX  notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view XXXX Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.
I received a call from Penn Credit, a debt collector, in early XX/XX/XXXX saying I had an outstanding balance from the XXXX XXXX XXXX XXXX XXXX from a home I previously owned. I asked them to send me the bill, which they did mail to me. I then called them to explain that the bill is not my bill as the utilities were not in my name at the time of outstanding balance ( XX/XX/XXXX ). I explained that I rented that home to tenants in XX/XX/XXXX and they purchased the home from me in XX/XX/XXXX.  The water bill had not been in my name since XX/XX/XXXX. They were extremely rude and said that I was refusing to pay a debt. When I told them I would take it up with the XXXX XXXX XXXX XXXX XXXX, the person then hung up on me. This whole experience seems to be deceptive and fraudulent.
I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX XXXX XXXX. 
XXXX accounts with Dept of Education XXXX with acct. number XXXX reporting inaccurately. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly. 
XXXX account with XXXX XXXX acct number XXXX.
Hi, I received a letter from PayPal Credit around 3 weeks ago. I opened it up and saw that I owed {$68.00} to an XXXX in XX/XX/XXXX to PayPal Credit. I thought was weird because I do n't have a PayPal Credit account. I called PayPal and told them it must have been fraudulent activity ( because I know I NEVER would have opened a PayPal Credit account ). They said they will look it up and investigate. A week later I get another letter and it tells me it was according to my normal  spending. After carefully looking as to where I would have charged {$68.00} to PayPal Credit I realized that I did charge that amount but it was SUPPOSE to be charged to my normal PayPal account that has enough money to pay for the {$68.00} transaction.
So I called them again but this time asking them why it was charged to the PayPal Credit when I do n't even have a PayPal Credit account. They said that I had one since XX/XX/XXXX. I was shocked because I I know I NEVER would have opened a PayPal Credit account. Now I am upset because 1. They said I gave them my information to open the account when I did n't 2. They opened a new line of credit without my consent and now it will affect my credit score.
3. And IF I did give them my so called " consent '' it was probably due to the fact that it was misleading advertiment
This dept is not owed I was in jail at the time when the account was opened. I have proof of incarceration.
Loan was initiated on XX/XX/XXXX for {$7400.00} with XXXX XXXX in XXXX XXXX, MO which became One Main Financial. In XX/XX/XXXX, experienced financial difficulties and contacted XXXX XXXX XXXX. They were responsible for negotiating the interest rate and payment amount with creditors including One Main. After one year with XXXX, we got back on our feet and began making payments to One Main our selves. It was later on that I noticed that all of our payments were going to interest. I have contacted the company twice and they seem unresponsive with all my payments going to interest. As of XX/XX/XXXX, the balance on this loan is {$5400.00}. I have made over {$17000.00} in payments. The total amount of payments on the original contract is {$15000.00}. I have been late on some of my payments but this amount seems ridiculous. I have had XXXX XXXX, I have XXXX, and I can not work. I submitted a letter to One Main asking for some compassion with this issue. But they refused to do anything. So I decided to contact you.
When I initially applied for my loans through XXXX XXXX I was never aware of the interest rates. I was told it would be somewhere between XXXX % while federal student loans were set by XXXX. Some of my private student loans are 10.2 % and I feel like Im getting no where. I have asked numerous times if I can consolidate it to a lower interest and they told me no all the time. I said there was no way I could afford it and they told me to ask my parents for the money. Secondly, I had my sister as a co-signer and was told that if I made principle and interest payments that I could release her in 24 months. I followed all of there rules and everytime I tried to release her I kept getting a ridiculous reason as to why they were not releasing her. Finally after writing a long letter and applying for like the 8th time, she was finally released 6 years later. This company is very shady and I would love for the consumer bureau to do an investigation on this company because they have misled me and have not been honest and have been unwilling to work with me about lowering my payments or telling me about income based repayment plans.
I received two calls in a 24-hour period from an unknown number that left messages with my name, my birthdate, my last four SSN, and my address claiming that my son had committed two counts of fraud and urged me or my son to contact XXXX immediately. They provided a " notice '' number ending in XXXX and referred to him as the " defendant '' They said I was a " substitute service '' or " person of interest. '' The call was very threatening and claimed a " motion had been granted to confirm and validate his whereabouts. ''
I opened a checking account that had an online promotional bonus of {$100.00} if I met the following 2 requirements : 1 ) Minimum {$25.00} deposit ( completed XX/XX/XXXX ) 2 ) Pay a utility bill of at least {$25.00} ( XXXX & XXXX XXXX paid XX/XX/XXXX ) Customer service representative XXXX XXXX messaged me XX/XX/XXXX through the BBVA account that I would receive the {$100.00} account bonus within 90 days from XX/XX/XXXX. This has not happened. 

On XX/XX/XXXX, customer service representative XXXX sent me a message through the BBVA account that I had opened the account in a branch location, not online, so I'm not eligible for the promotional bonus. This is utterly false ; I've never even been in a BBVA branch office.
I was sick with XXXX and at the same time the real estate market crashed in 2008. 
I fell behind with my payments. 
I have tried XXXX times to make different plans but the lender always comes back with higher and more costly plans.
I co-signed on a student loan with XXXX with my sister as primary, for the benefit of my niece. In XXXX 2017, I was notified that the account was past due ( my niece had recently graduated ). My niece and I contacted XXXX and spent over 1 hour and 20 minutes speaking with a gentleman who made payment arrangements ( account was brought current ), also including auto-pays for a year ahead, and assured me the situation would not be reported to the credit bureau, but it was. It resulted in my excellent credit rating plummeting. I contacted Navient several times thereafter by phone, mail and fax, and they refused to remove the late on my credit report. They did remove a second late they had also erroneously posted. XXXX 's website makes it very difficult to find notifications that they have sent you, and almost gives you the impression they do n't want you to find the notices they have sent. Since the account was barely past due and I had not seen the notice, in addition to the fact that I brought the account current immediately, and the assurances I received it would not be posted to my credit, I feel strongly this late should be removed from my credit report. During my odyssey of phone calls to XXXX, at one time I was even told this loan no longer existed and was paid off! Thanks in advance for any assistance you can provide.
In XXXX I owed XXXX to XXXX XXXX XXXX, XXXX  then sold my debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mass XXXX phone number XXXX. on XX/XX/XXXX I made a full payment of what I owed, this payment was made directly to XXXX as seen on documents attached. Once I made this payment I called credit collections services to update my account as paid so this would no longer show up on my credit report, I was told I had to send in proof from XXXX that this payment was made, I contacted XXXX to have them fax over the proof to XXXX this number was given to me by credit collections services. XXXX faxed over the paperwork, weeks go by, but this debit was still showing Up on my credit report, I called credit collections services, they claimed the fax was never sent, I called XXXX again and repeated the process, this whole process of calling credit collections services and XXXX was and has been repeated a total of 8 times now, from XXXX till now, this debt it still on my credit report, credit collections services are still claiming they have not received not one fax, they have claimed to reach out to XXXX   but claim XXXX has not responded. I have faxed over the paperwork myself but credit collections services claim they have not received anything from me. I have disputed this debit on credit karma and they denied my dispute because credit collections services are claiming I have not paid this debit. I have asked credit collections services to call XXXX them-self but they have not done so. I dont know what else to do to get this off my credit report. Credit collections services has also told me that even once they receive proof of payment made they will not back date to when they payment was made, which means it will show up on my credit report that I owed and did not pay off this debit for over a year even though it was only 6 months. I dont know what else to do.
I sent a money order in and it did n't get posted. My payments are never later than a day after. I noticed my payment did n't post after 7 days from the due date. I called and I was told I have to send a copy of the check being cashed. After doing my research to recover my money order stub. The copy of the stub showed that I forgot to put my account number on the money order. I sent a copy of the money order being cashed by Navient to Navient. I have yet to see my account be credited the amount of {$87.00} since XXXX XXXX, XXXX. Same thing happened to my husband in XXXX in the amount of {$280.00}.
I had requested lower payments over a longer time span because my monthly payments with Santander Consumer USA is astronomically high. I pay {$690.00} per month and I am struggling to make payments and want to work out a lower payment arrangement via longer time span in order to keep my car. I do not want to go bankruptcy but I may be forced to go bankruptcy if I am not able to lower my payments. When I first got the loan, I did not have student loans to pay, soon my student loans will exit the grace period and will need to be paid back and I ca n't tolerate these continued high payments. I was charged an astronomical amount of interest.
Equifax 's hacked system compromised my personal identifying information. I 've had to spend countless hours to ensure I am protected since so much of my information was reportedly compromised. Not only does this include educating myself fully of the situation, but also placing freezes on my credit, signing up for credit monitoring, pulling my reports and analyzing anomalies, and many hours learning how to fully protect myself ( and I 'm sure I 'll spend many more hours fighting the inevitable attempts at my identity being used ).
Forward Movement has made numerous calls to myself and family members who were never listed on file with my original creditor. This is in violation of the FDCPA.. Forward Movement refuses to send any documentation or verification letters to me as requested. This is in violation of the FDCPA.. Representatives have been abusive and have harassed me. This is in violation of the FDCPA. 

Forward Movement also uses ghost numbers and a robocaller to make contact, which is illegal as I have never consented to receiving robo-calls from Forward Movement.
On or about XX/XX/2018, I was alerted by XXXX XXXX XXXX that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by Security Credit Services.
I have a CITI Diamond Preferred Card and was given an {$1800.00} credit limit. I have never paid late, managed my credit limit responsibly. I make over $ XXXX annually and have more than enough resources to pay the obligations on this card. About 2 months ago I receive a notice from CITI indicating that my credit line was being reduced. I did not agree with the this decision and called to complain. My credit line was reinstated and I was told that I should not have this issue again. On XX/XX/2016, I received an email indicating that once again, my credit limit was being reduced. I called again to complain and they submitted my claim for reinstatement. This request was denied. There is no reason for CITI to be doing this since I have paid my account in full almost every month and have not given them any indicators that I would be a non-pay risk
I have several CDs in Synchrony Bank that mature on various dates. I gave instructions to the bank to close my CD account that matured on XXXX/XXXX/16 and transfer the funds on maturity date to my bank account in XXXX XXXX XXXX. They are holding my money despite asking the to close my account 2 -3 times over phone as well as sending them e-mail thru their own website ( secured mail ). 
This is not the first time. They did it in XXXX & XXXX 2016. I will not be surprised if they do it again on XXXX/XXXX/16, when my another CD matures.
I entered into a Student Loan Rehab agreement on XX/XX/XXXX. Without my knowledge, XXXX XXXX XXXX sent my file out for wage garnishment. I was informed by XXXX  that I had to make 5 monthly payments to have the garnishment stopped. I made 5 monthly payments, the most recent on XX/XX/XXXX. I also called and spoke to supervisors and representatives about when the garnishment would stop per the contract. I was informed that would obtain approval in 7-10 days from XXXX the servicer. I called two times on XX/XX/XXXX and an additional 4 times since XX/XX/XXXX. I was told by XXXX I had made the 5 payments and met all their criteria but they could not and would not stop the garnishment. I informed them this was causing a severe financial crisis but they still refused to take any further action.
I have gone through all three credit reporting companies : XXXX, XXXX and Experian. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking the law.
In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).
On XXXX XXXX my mortgage servicing company changed from XXXX XXXX to Selene Finance. My XXXX mortgage payment was drafted by XXXX XXXX on XXXX XXXX and is reflected on my Selene Finance Account as received on XXXX XXXX. On XXXX XXXX, Selene Finance withdrew {$2100.00} from my bank account without my authorization. My wife and I had not even signed up for automatic payments on the Selene Finance website. Also, during the transfer of mortgage servicing providers, Selene Finance did not receive documentation regarding my VA loan and sent a letter to me stating that I must have insurance for the full amount of the loan. They either did not receive the VA documents detailing what I am responsible for insuring or they disregarded them. Finally, the Selene Finance website states that my next mortgage payment is due on XXXX XXXX, which is incorrect as my mortgage has always been due on the XXXX of each month. By law, Selene Finance can not change anything with my mortgage agreement.
Someone opened this account under my name and a like social and different address etc. I have file a complaint with XXXX and they refuse to remove the account from my credit bureau. I have written to them 3 times and in none they are able to provide me with information that shows this account is mine nor that I opened this account.
I 've been going to this dentist, here in XXXX XXXX, CA for a couple of years. In XXXX of this year, I received a collection notice from them. I called questioning the letter, since I had just had an appointment and was asked to pay {$60.00} ( my out of pocket expense ). When I got the collection notice a few weeks later, I called and told them about this collection letter and was told that the person that handled billing was not in, so I left a message asking for a return phone call. I got a call from someone and I explained the situation and she looked at my file and she told me that I had no balance. I was then called to confirm an appointment for XXXX. If I had an account in collections, then why did they call me to confirm an appointment? I canceled the appointment due to this unresolved matter. Any company you owe to, would not do business with you until you pay what is owed. My concern is that I was first told I had no balance ( after my out of pocket expense ), and then I am in collection, without an itemized statement.
Equifax is showing a hard credit inquiry by XXXX between XXXX XXXX, 2016 and XXXX XXXX, 2016. I did not authorize this inquiry and have no knowledge of what XXXX is or who initiated the inquiry. I suspect identity theft, as I already have a notation with the credit bureaus regarding this which was originally caught by my credit card company earlier this year. Thank you for your assistance in this matter.
My XXXX XXXX  account was hacked by a woman named XXXX XXXX and unauthorized transactions made for two XXXX XXXX XXXX XXXX. I never knew I opened a XXXX XXXX  account until I was negative {$870.00} in my bank account caused by this XXXX XXXX. I since called my bank and disputed the transaction, received a provisional credit from my bank, called the police to file a police report and contacted XXXX numerous times to take the steps I would need in order to secure this XXXX XXXX account that was opened for me because I decided to subscribe to their XXXX  streaming service. I only want my money back from my bank permanently as I do not know this person in the slightest. I also want her charged for cyber crimes and theft. Here is her full contact information and I also have photo receipts if needed from the XXXX delivery as well as purchase receipts on my XXXX account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX
XX/XX/XXXX, I had a personal checking and savings account with Bank of America in XXXX XXXX, XXXX which I had for a total of XXXX years. The account was closed by BOA XX/XX/XXXX due to account abuse. Now I may have had some overdraft fees but it was never to a point where I abused my privileges. In fact, I recall boa refunding a portion of the funds bank into my account for making a mistake of charging me overdraft fees for transferring funds from my savings account into my checking. They were also involved in a civil suit due to over charging overdraft fees to customers like myself. The account was closed and I had a final balance to pay which is not paid in full but now fast forward XXXX years later, I now resided in XXXX, XXXX and recently started XXXX and I am unable to open a XXXX account because boa has reported me to a company called early warning services. I have been denied from every financial institute you can think of and this is becoming a huge burden and hindering the progression of my business. I have tried everything from disputing the info, providing documents showing it has been paid in good faith and spoke with early warning several times and I am being told that the information will stay on my record preventing me from opening a new account for a total of XXXX years! This is absurb!!! I would like this resolved promptly before the next XXXX years I need an open active account and this is unfair and unjust treatment due to a minuscule amount owed to boa but has been paid in full. These big banks have been XXXX XXXX of people like myself for decades and it is time for them to stop treating hard working honest people in such a horrible way.