WillisBack/dataset-financial-user-claim huggingface dataset:
There was an account opened in my brother 's name and they used my card information. I found out today and called to request it be closed and cancelled and told them i did not authorize. I had already been charged 3 times and had n't noticed. I requested a refund for that account and was told I would only be refunded one payment even though the account was not in my name and I was being charged on my card. My card is in my name, not my brother 's name. They told me they delivered services so their end of the bargain was delivered.
I owed a XXXX phone bill which was sent to collections. I had several collection companies calling me and I settled with a company called XXXX XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) on XXXX/XXXX/15 for {$120.00} ( confirm # XXXX ). I keep getting calls from Debt Recovery Solutions and this debt is still showing as owed to Debt Recovery Solutions on XXXX which is hurting my credit score.
When I try to look at my payment history ( for my mortgage ) I receive a message that this data is not available. This has been going on for several weeks. When I call they offer to print one out and e-mail, but I tell them I want to view online and do not want to call them every time I need a schedule. The say they will investigate and get back to me but never do.
I have contacted the company, the company the debt was sold to and XXXX XXXX to resolve this matter for more than 3 months but nothing seems to be resolved
My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. It says that it is the first of the month. It is for XXXX loans, each of {$1500.00}. I have paid the bills by the due date with on-line payment, and the money has left my bank account, however my payment is not credited until a week later, and I have been reported as late on my credit report, even though I paid the bill by the due date. It is a " campus based '' private loan. I called with a concern about what is the due date it was vague, pay before the due date. I asked for an actual due date and they could not provide one except for pay several business days before. I asked what means XXXX or XXXX, please be clear. With a credit card it is very clear when one pays on-line -- such as payments made before XXXX XXXX. EST will be posted to the account that day, payments made after XXXX XXXX will post the next day. Banks are also clear with how deposits are handled, such as deposits made after XXXX XXXX. will post the next day. I think it is misleading to send me a bill with a due date, but in reality there 's another due you need to pay by that they wo n't give you. 

I submitted this complaint before and the company response was to a completely different loan.
i was a victim of identity theft and notified XXXX XXXX  and XXXX. i also attached my police report and identity theft affidavit. XXXX  and XXXX  removed the fraudulent account but XXXX  still haven't removed the accounts.
It has been 7 months trying to resolve a chargeback issue. Wells Fargo Personal bankers, Wells Fargo Merchant Banking and Wells Fargo 's collection agency can not resolve the issue and provide sufficient and clear documentation on what is owed, what fees were charged and why, and we still can not resolve the issue 7 months later. 

The departments have no way of working together to show what money was passed from my personal bank to merchant banking or to collections, or what was passed on from withheld funds in merchant banking to collections. 

Furthermore, I was charged multiple times for them randomly trying to extract money from my personal and business accounts, and then was charged for the rejected transactions on both the merchant banking and the regular bank. Furthermore, they charged me twice for the processing fees ( the chargeback had been once reversed ). 

No one has reached out with relevant information to resolve debt owed but is going to release the information to a third party to affect my credit even though I have been trying to resolve this issue for over half a year.
On XXXX XXXX, 2017, I found out by social media that Equifax was hacked and had almost 143 million Americans ' personal information compromised. I checked on Equifax 's site and saw that I was one of the affected. I went ahead and froze my credit accounts for all four credit bureaus ( Equifax, XXXX, XXXX, XXXX ), as well as place a 90-day fraud alert on my accounts. 

I am very disappointed in Equifax. For a company to carry such crucial information and to not have any proper safeguards to prevent against such an incident is improper.
THERE ARE XXXX ISSUES LISTED BELOW : I have disputed this over and over again. I filed bankruptcy and the report ( equifax ) is showing this to be open. XXXX/XXXX, shows open and it should state in bankruptcy closed. All the others on my report are closed except for this XXXX. Yes it belonged to me, yet, they did n't come to the court to dispute it so they lost out. My atty said i do not owe this amount. This should show closed and in bankruptcy like XXXX, and XXXX etc. These show closed. Also, I have been DENIED credit and all XXXX credit reports are saying I can not get my report again because I got XXXX free at the beginning of the year. Since then I 've disputed information that should have been corrected and when I applied for credit they say I ca n't get it. Which is fine but I want to see my report because of it. Please let me know this will be closed as XXXX and then XXXX I will get after they close it out an updated report from all XXXX credit report agencies. XXXX has told me they get all information from XXXX XXXX and equifax IF anything on their site is incorrect ( which it is ) I have to go thru the credit reporting agency which I did. To NO AVAIL. Please correct. Thank you
COLLECTOR IS TRYING COLLECT ON A DEBT INCLUDED IN AND DISCHARGED XX/XX/2018 XXXX.
On XX/XX/XXXX I returned the leased car to the dealer. I was contacted by Toyota financial services to pay the lease termination fee of {$370.00} On XX/XX/XXXX I did submit the full payment and I have a letter from XXXX XXXX XXXX XXXX plus my bank statement that shows the exact amount paid to Toyota financial services. 
I havent received a letter to show that my account was closed and has XXXX balance, so Ive contacted Toyota financial services several times between XX/XX/XXXX and XX/XX/XXXX and they keep telling me the same thing I still owe them the money and its soon to go to a collection agency. When I tell them that Ive already submitted my full payment on XX/XX/XXXX, they find it hidden somewhere in their system and they promise to settle the account and send me a letter but they never do. Today ( XX/XX/XXXX ) I called them one more time and heard the same thing. I still owe them the money and when they look deeper they find my payment and promise to settle the account. I told them Ive heard this too many times and Im going to complain about it. They said : go ahead and do it.
I am a XXXX, I sent Wells Fargo a financial instrument for {$26000.00} dollars registered mail through the XXXX. also insured, return receipt. It is legal tender for my debt and was told that they will not honor it and will not return it with an explanation telling whats wrong with it which is against the law. I 've done my administrative process to try and resolve the issue with no result. I would like to file a complaint on this very urgent matter.
I have forwarded a dispute with Equifax to remove XXXX inquires that are past due from the 2 year mark of removal. I have not received a response, regarding my request. 
- XXXX XXXX ( XXXX XXXX, 2013 ) - XXXX ( XXXX XXXX, 2013 ) - XXXX XXXX XXXX XXXX ( XXXX XXXX, 2013 )
I took a loan of XXXX with Care Credit card to cover a dental bill. I was told I had a year to pay it off, after that I would be charge a 26 % annual rate. I thought it was alright. However, either I did not heard or I was n't told that that rate would be charged to the whole loan amount. I was under the impression that the rate was going to be applied to the remaining of the loan. In my case I was {$370.00} away from finishing. It does n't seem fair to pay XXXX more, now having a balance of XXXX. 

I consider unfair to pay such amount of interest rate, when the balance is so low. I feel like I hurried as much as I could to pay off the card, all for nothing. For many people, XXXX might be nothing. Not for me, and many like me that live check to check trying to keep my head over the water. 
I called the company on XXXX-XXXX-2017 at 1:4 aprox. I was not offer any solution. 
I know the return message will say that I am to blame. Fine. I insist, having paid 93 % of the loan means nothing to the bank.
Didnt receive prior notice of my right to Dispute this debt that is not owed as required by the law at least five days prior to a debt being added to my credit report.
I submitted a request for XXXX Equifax, and XXXX to remove all of my hard inquires which were unrecognized. I personally called each company that I asked to be removed and was quickly advised there was nothing they could do because I do n't have an account or account number with them. I explained to all 3 the only permissible reasons for pulling someones credit is a Firm offer of credit, Insurance, court order or employment. What XXXX decided to send me was a generic response telling me what inquires were which I did not request an explanation of what inquires were. The other 2 agency 's sent nothing!
I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies transunion has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX, XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XX/XX/XXXX
I fell into XXXX XXXXXXXX and lost my job which resulted in defaulting on my mortgage. I was not working for almost a year and struggled to continue living. I was able to get help and started working again. My loan was transferred to LoanCare and I never knew there were programs or assistance available to me because no one from LoanCare ever reached out to me, sent me anything or attempted to provide me with options other than to sell my home. I am facing a foreclosure sale this Tuesday, XX/XX/2018 and I am running out of options. Had I not done some research to find out that I in fact do have rights as a homeowner and I should have been provided options from the lender, I would have never known. I feel I was taken advantage of and was never explained fully what options I had to save my home. Now I fear time is running out and it is too late.
XXXX has made harassing calls to myself and my mother, a female left @ least XXXX different voice mails on my mothers phone, stating " they will be at XXXX 's home tomorrow to take care of this debt matter " or we will be at her home around noon to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe XXXX money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.
I was charged a large amount of money. My college also closed down and I was not able to transfer and it finish school ... they did n't want to help ... it took almost a year and they only forgave XXXX dollars ... .I 'm still not able to finish school. I 'm too if that I am very confused on how they operate.
Account # XXXX for XXXX was official discharged on XXXX/XXXX/XXXX and Equifax continues to state that the creditor has reported to them that the account status as of XXXX XXXX, XXXX is 120+ days past due. When I contacted XXXX they indicated that they have not reported on that account since XXXX XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about 16 times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be 120+ days past due as of XXXX if I no longer owe on that account?
I did my taxes on XXXX XXXX 2015 and my taxes still pending for 4 months then i called the irs office and they told me that they cant send my refund cause they need to verify my id, so they transfer me to another office and XXXX lady ask me a lot of questions finally they found that im the real XXXX XXXX XXXX and that somebody in new york used my name, my last name, my second last name and my social security number there, that person filled the taxes using my info, i call a company to report a identity theft and they said that the only thing that can do is put a fraud alert in my credict report, another concer is that they sent me a credit report and it shows XXXX phone numbers that never belong to me ...
I have been paying off my loan early, which was supposed to be applied to the principal balance. Instead, Nelnet is applying only a small portion of my payment to the principal, while applying most of the payment to interest. This was never explained to me in any of my loan documents and Nelnet refuses to work with me. 

I spoke with someone named XXXX, who said that it does n't matter if I request that my payments go to principle balance. So, although my next loan payment is n't due until XXXX XXXX 2018, Nelnet applied {$140.00} of the {$170.00} payment to interest. They refuse to apply the over payment to principal as I requested.
I recently noticed a collection on my account for the amount of {$2900.00} ; I did notice that the initial creditor was a hospital I had been hospitalized XX/XX/XXXX. I reached out to my insurance ( XXXX XXXX XXXX XXXX UT ) and they said they had not received a claim from this hospital for facility use only from the ER doctor. My insurance company advised that I reach back out to the hospital or the collection agency. I reach out to the collection agency Syndicated Office Systems /Central Financial Control on XXXX/XXXX/XXXX and spoke to a lady named XXXX ( badge # XXXX ) she stated that they had submitted that claim to my insurance. I explained that I had reach out to my insurance and they did not have any record of a claim from them. I asked if I can get the contact number to the hospital so that I can sort this out with them directly. She stated that she could not provide that information to me and advise that I reach back out to my insurance and request more information. Once again I reach back out to my insurance on XXXX/XXXX/XXXX spoke to XXXX at XXXX XXXX she then gain stated that they had no record of the hospital submitting their claim to them and offered to call the collection agency on a 3 way call. We got back on the phone with the collection agency and spoke to a gentleman by the name of XXXX ( badge # XXXX ). He went back and forth between us and his supervisor and stated they had submitted a claim. XXXX the insurance representative request to verify the ID number they had on file for me but the collection agency representative said they did not have that information. XXXX explained to him that blue cross did not receive their claim and that it could be a possibility they did not submit the claim correctly or with the wrong information ( such as the ID number or Alpha prefix ). The collection agency representative went back and forth with us and his supervisor and stated that they could not do anything on their end and they can not verify any of my information and refused to confirm where this bill was sent to for claim. My insurance company has confirmed that they did not file claim with any of my insurance information provided to them. I did my due diligence and provided the hospital and the collection agency with my correct insurance information however they refuse to do additional research on it to verify this account is accurately reported. It has now affected my credit report and I would like this to be removed until they can accurately verify this claim was properly submitted to my insurance with my correct information. The collection agency and the hospital were negligent in accurately submitting this claim to my insurance given they had copies of my insurance card and are now refusing to get this resolved. This has not only cause a detrimental effect on my credit but is also causing me an emotional distress.
We purchased a home in XX/XX/XXXX. Shortly after, our original mortgage company sold our mortgage to Dovenmuhle. Our first payment to Dovenmuhle was in XX/XX/XXXX. We have an escrow account with Dovenmuhle. Our property tax bills for XX/XX/XXXX were sent out in XX/XX/XXXX. XXXX county taxes were due XX/XX/XXXX and were paid by Dovenmuhle from our escrow account on XX/XX/XXXX. Our City of XXXX taxes were due XX/XX/XXXX. However, these were not paid until XX/XX/XXXX. An interest penalty for late payment was applied and I reached out via phone to Dovenmuhle on XX/XX/XXXX to inquire and understand what occurred. They gave me instructions on how to request a reimbursement and I sent that correspondence on XX/XX/XXXX requesting a reimbursement to our escrow account for {$94.00} ( the total amount ended up being {$94.00} of interest accrued, this can be confirmed with the XXXX County ( Georgia ) Tax Commissioner office ). 

Dovenmuhle 's response to my email inquiry requesting reimbursement into our escrow account included the following : " Please not that you will not be reimbursed for the penalty tax amounts as we did not disburse these funds from your escrow account as they should have been paid prior to the service transfer of your loan. '' How could my original mortgage company have paid a bill which did not exist until XX/XX/XXXX? That is 3 months after Dovenmuhle bought our mortgage from our original mortgage company.
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly. 
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts? 
2 ) What is the name of the person in your company who verified these accounts? 
3 ) What documents did they use to verify them? 
4 ) Please provide me with the name of that individual, their business address, and telephone number.
Portfolio Recovery has contacted me several times threatening to arrest and sue me. They 've continuously contacted my family and friends do and made these same threats. They called excessively. I 've continued to request written proof that they legally own this date and they have not been able to furnish this. They have cursed me. They have continued to call after I mailed them a letter asking they cease and desist. They have said they 've only been collecting on these accounts for 1 year. However, they 've been harassing me for at least 5 years.
I sent letters to Transunion and XXXX on XXXX/XXXX/2017 with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )
I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The XXXX data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the EQUIFAX and XXXX show XX/XX/XXXX.