WillisBack/dataset-financial-user-claim huggingface dataset:
I used to have XXXX. I returned the equipment but was told the charge was from not returning the equipment. I have requested a verification numerous times and have been harassed by repeated phone calls. Please advise.
Repeated calls from the number I submitted. Callers stating that I owe a debt with XXXX XXXX for {$690.00}. Caller states they work for " XXXX XXXX XXXX '' working fore XXXX XXXX. Asking to verify personal information such as last 4 of social and address. Very unprofessional sounding. Asking if I can " do something about that debt today '' or " can we take care of this ''. 

The are lying about the debt. I owe no money to XXXX or any other cell phone provider.
I have been trying to remove a Chapter XXXX Bankruptcy from my Credit Report. On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I mailed XXXX, XXXX  & Equifax asking them to provide me documentation they used to verify this Bankruptcy and also provided them with a letter from the United States Bankruptcy Court that verifies they do not send information to any internet search engines or credit reporting agencies. Only XXXX  responded within 15 days but did not provide any documentation. All three Credit Bureaus have violated the FCRA, Section 609 a ( 2 ) and therefore, the Bankruptcy must be deleted from my credit report.
My complaint is with Equifax credit reporting agency. I have repeatedly filed several disputes with them in regards to incorrect information reported by a mortgage company, XXXX XXXX, that comes back with the same or very minor information changed. I have asked them to verify and prove all information which would prove inaccuracys yet they continue to end dispute with no proper results made. I have done this particular dispute at the very least 10 times! This is why I am filing this complaint. I also will be filing a complaint againt XXXX XXXX. 
Thank you, I hope that you can help me. 
The issue is that I had XXXX mortgage with XXXX XXXX which was part of a chapter XXXX bankrupcy. XXXX XXXX has XXXX separate mortgage account numbers listed on my credit report. XXXX states a {$0.00} balance and that it was included and discharged in my bankrupcy which is accurate. Then they have a separate account that has a different account number but it is the same mortgage. They list the date the account was open by a few days different than the other. They have done this with all the dated information to have it appear as though it is a separate mortgage account. It is not! I only had XXXX mortgage at that time with XXXX XXXX. One of the excuses they give is that they say the mortgage listed in question was sold prior to the discharge in XX/XX/XXXX therefor they say they are allowed to report it. This is not true. Even if I did have another account anything prior to my chapter XXXX discharge in XXXX, would be part of my public record. XXXX XXXX continues to report on this account as recently as XXXX XXXX stating I am 120 days past due. I have explained this to XXXX several times and have pointed out the obvious discrepancies with this account from the date open, date closed, first delinquency, etc ... yet Equifax still allows XXXX to report this bogus information. The particular account in question even has a payment grid along with it that does n't even match up to the dates they have listed on this account. It is obvious harassment and I am so frustrated and upset that what appears to be an obvious and easy fix is continuing to still haunt me. XXXX XXXX is in complete violation with my FCRA by reporting on an account that was discharged in XX/XX/XXXX. 
I hope you can help me with Equifax to resolve this matter. I pay $ XXXX/mo for the services I have with Equifax yet they have done nothing to resolve this blatant error. 

Sincerely, XXXX XXXX XXXX
I had a payday loan due date on XXXX of {$330.00}. Came to the office to pay cash, they did not take payment because they said they already got at XXXX money from the bank from my debit card. I went to the bank to deposit {$330.00} and in the bank they told me that charge was {$250.00}. I called Rapid Cash and they said it was a charge of {$20.00} because they tried to withdraw money twice that day
I have signed a GFE for 3.75 interest rate and now I 'm being told it 's 4.515. I have tried to contact the agent and his manager repeatedly with no success. I was told I would get a refund for the appraisal and termite inspection and that has n't happened yet and It 's been about a month.
In XXXX, I purchased a car with a loan from XXXX for XXXX. I have made consistent payment for last 5 years and my balance is still the same.I will never have this car paid off at the rate. Please investigate this matter
As of XX/XX/2018 an unauthorized transaction took place, my account was debited XXXX by Portfolio Recovery. Prior to this transaction I made an payment of XXXX on XX/XX/2018, during  this call I was asked by the CSR did I want my next payment automatically debited I replied no I would call in for my next payment, but low and behold they went into my account and took the payment unauthorized.
I am formally requesting that this item " Satisfied Judgement Case Number XXXX '' be investigated and removed from my credit report. 

Accordingly, I can show a judge that these items meet the requirements for removal. 

Please note I am a XXXX Veteran XXXX
Wells Fargo Home Mortgage made unauthorized changes to the terms of the home mortgage. The bank extended the loan an additional twenty years. Thus, increasing the amount of interest that my late husband and now I have to pay. By this increase, the interest for the additional years added to the mortgage totals {$600000.00}. After the passing of my husband, they are getting mortgage payments from me and threatening to take my home if I don't pay, while I did not sign anything for this loan. Now, they are adding to the length of the loan another 20 years. 

They also increased the mortgage from $ XXXX/month to  $ XXXX/month. For a period of five years, without me or my late husband 's knowledge or consent, they did not apply any of the mortgage payments to the principal and they extended the length of the loan to another 20 years. I am paying and paying and see that my credit does not change. 
Wells Fargo sent private confidential financial information to a person named XXXX XXXX, who lives in XXXX XXXX, XXXX. Wells Fargo is a thief. I need help from somebody to put these unethical, deceptive and predatory thieves liable for their illegal and fraudulent actions. What is this 20 years they added to these payments? Please help! 

While my husband was living, he had a corporation, in which all of his receivable accounts was going to Wells Fargo ( Wells Fargo account numbers XXXX and XXXX ). Without my authorization or notice they gave these accounts to the employee of the corporation. This Wells Fargo is out of control. Please help!
" Bank Of America '' sold my debt, to a Law Firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I was with Bank America for 35 Years, same branch for Thirty Five Years. My parents bought their home, through Bank of America, for 30 years. So XXXX years, collectively. My Credit Score was XXXX, in 2006. But because of my bad health, I live on XXXX, only. I have no assets, no investments, no savings account, zip! I have {$4.00} to my name! I was contacted by a " Process Server '' XXXX XXXX XXXX XXXX delivery person was here. I did not answer the door! I have a XXXX XXXX, do they want to have a " Wrongful Death Suit? '' Please leave me alone. I have nothing! I do have terrible health, and I am broke. A Law Suit is waste of your time, money, & energy, and very STRESSFUL. Do you need their E-Mail, if so, here it is.
Today ( XX/XX/2018 ) I attempted to send money to a person several times. 
By cash at the location and then online. 
Moneygram rejected me both times. 
1. They said there was an error processing. I contacted Moneygram and they said that they had no history of an attempt. 
2. Error processing. This time they said that they could not complete the transaction with my bank. However, they took {$790.00} out of my account and then told me that it would take up to 72 hours to drop the authorization. 

If this was isolated I would not be as angry. But this is an ongoing problem with them. They always seem to have errors whenever I want to send or receive. I have contacted them several times about these issues and all they tell me is that there are no blocks on me and that I should be able to send or receive. 

I feel they do not live up to their claims by a longshot.
I have XXXX new hard credit inquiries on my report from XXXX that I did not authorize. I contacted XXXX and they told me to dispute it with Equifax I disputed it with Equifax and all they did was say the report was factual. I did not authorize XXXX XXXX to check my credit.
Late payment when it was submitted. Unfair I made the payment on time they did n't pay it on time.
I am a single mother of XXXX currently receiving unemployment because I got fired from my job. The good news is that I have received employment offers however these offers get rescinded because of a charge offs on my credit report.

I called the credit card agencies to work with me and remove the charge off as well as the credit reporting agency so I can get a job and pay these cards however they will not remove the charge off which in turn does NOT allow me to get a job.

The reason for these 3 charge offs was because my husband at the time lost his job and we were unable to pay.

I am a well educated professional with over 20 years of experience yet I can't work because a credit card company says so? What law allows that? A credit card company that charges 26 % in interest. What law allows these companies to dictate policy on my life?

I am a law abiding citizen who pays taxes and is just trying to get a job to support my family.

PLEASE PLEASE PLEASE help me. 
Thank you XXXX XXXX XXXX
A few years ago, I co-signed on a credit application with my daughter because her credit was terrible & she badly needed new tires. She has XXXX young children & needs her car to be in safe driving order. 
In approx. XX/XX/XXXX, XXXX XXXX / XXXX CAR CARE began reporting a credit card account with it to the 3 credit bureaus as having a late payment status in the amount of {$20.00}. Prior to that, in approx. XX/XX/XXXX, my daughter called the phone # on the credit card issued by Synchrony/XXXX & asked for the pay-off balance due. She gave the customer service rep her checking acct routing & account # with her bank & paid the pay-off amount in full over the phone during that conversation. 
My husband died last year, my mother has profound XXXX XXXX, & during the period in question I was not checking my credit score because I was involved with other more urgent personal issues & my credit score was not an issue with me. 
Eventually, I discovered that my score had gone down significantly. The only negative entry is from Synchrony/XXXX. My daughter called again & complained, two different times, but apparently they did not relent or admit that this is their error. If they did agree that they were in the wrong, they continue to report a late payment on my credit report. It grows at $ XXXX/month so has gone from {$20.00} to {$30.00}. 
We do not want to pay the {$30.00} that has since developed from the original {$20.00}, because this amounts to highway robbery! The company ought to have known the full pay-off amount when my daughter requested & paid it, there should not have been any straggler amount for the loan period or whatever their excuse is. I assume millions or hundreds of thousands of borrowers get trapped in the same inexcusable scenario. If we did pay it off, then the credit bureaus would take that as an admission that we were in the wrong & did indeed pay late, which is also unacceptable. 
I also do not understand why the 3 credit bureaus take a {$20.00} allegation & inflate it & treat it as though it were equivalent to an allegation that I had not paid {$20000.00} on time. 
I finally found time recently to dispute this matter with all 3 credit bureaus. I happened to learn recently that CFPB also handles this kind of issue, possibly more promptly & effectively. ( I LOVE CFPB and XXXX XXXX for pushing to get it started. ) So, please advise whether you can assist me!! Thank you!
When I found out that this company put a lien on my home for no reason. we are refinancing our home, and this is the way we found out this lien was on my property. We have no idea who this company is. So then we started to receive these letters saying they are not trying to collect the debt but they had already put this lien on my property. they said they would remove the lien but I see the amount of  XXXX  in the refin amount and the letters this company sent us say the amount is  XXXX  but the real amount owed is  XXXX . Our next step is to start legal action.
The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off
Experian continues to report negative data reported on the credit report as of this date the FCRA say that information can not be kept on a credit file for more than 7 years since opening the attached data continues to be kept by Experian as of this date this is a violation of our civil rights Since XXXX XXXX was opened in XX/XX/XXXX which is 16 years and XXXX XXXX which we never had an account with but apparently was opened in XX/XX/XXXX which If we had an account with was never notified and XXXX with was opened in XX/XX/XXXX which was 12 years ago. the XXXX original Case is above document are attached since I am XXXX this is elder abuse
Have had a credit card wi th Amazon.com for a  while. They pulled an unauthorized credit report and closed my account prior to informing me, based on a medical bill that is currently being resolved. I have always had a good standing account with them. My current orders that are time sensitive will be declined and a negative impact on my credit report.
The consumer finance website or XXXX posted false feedback for XXXX. I suspect false representation.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Chase Bank Credit offered me a 0 % promotional rate on a balance transfer. They then proceeded to charge me an annual fee in between my billing cycle so that the charge was treated as a " regular purchase ''. I paid the annual fee but could not have the interest charge removed. this charge will linger on my account for 2 months until it is paid and there is nothing I can do as the company will not reverse the interest charge.
My initial loan to buy my home was with Homecomings in XX/XX/XXXX ; it ended up with loan servicing Ocwen ; loan XXXX ; Ocwen had a foreclosure hanging over my head until XX/XX/XXXX ; Ocwen originated a loan modification agreement ( shared appreciation ) payments too high and did n't make sense at all. This week I received a form that Ocwen discharged {$220000.00} and they sent to the IRS. Where did this come from? Ocwen had refused to ever reduce the principal.
In XX/XX/2015 I took out a loan with Tower Loan. I made 2 payments. Both payments I was told they were unable to provide me with receipts at the time. I stated the payments were not the correct amount in which I paid cash. I was told basically to bad, it is what it is. I stopped paying until they could correct the amount. I have recieved phone calls since stating " what kind of mother or woman am I if I can't pay my bills. '' " How can I afford other things to include an attorney to fight them for harassment if I can't pay my other bills? '' They also refused to give a copy of my contract and stated they will continue to hit hard inquiries on my credit every 30 days until I start paying. I explained card inquiries are for attempts to open ne lines of credit which i'm not authorizing them to do. I was told they will continue to do so if i don't make payments. I informed them this is threatening and harassment and the response was he will continue to go after my credit as long as they can until I pay.
I have XXXX student loans through Navient, XXXX with co-signers and XXXX without. Due to medical /financial issues, I have fallen behind on making payments on the XXXX loans without co-signers. Navient has resorted to contacting my co-signers, in an attempt to get into contact with me, about the XXXX past due loans. This is an abuse of the information they have at their disposal and I want it to stop. Navient should only be contacting me directly and, if available, I will take their call or respond to their emails.
I paid off my mortgage 4 weeks ago on XXXX/XXXX/15 and still have not received my principal payment overage and escrow reimbursement. The total amount owed is approximately {$4000.00}.
I need them to produce a sign contract between me a nd RMA cred it associated baring my signatures and theirs showing that we have a contract or that I owe them money. Since can not produce this contract it must delete not close but delete and remove from my credit report. If not removed off my credit report we will go to small claims court.
I made all my payments to Home Depot within the 30 days due date as I mailed most of my payments. I got a call from an agent who then told me he would waive a late fee for the payment that was due of XXXX. I made the payment minus the XXXX. Home Depot reported the payment as late even though I was told it was being removed. When I called to complain the rep told me they add the late fee to the payment due but then refund it to the account they do not remove it from the payment due even though they added it to the payment due. Also they reported XX/XX/XXXX was 30 days late which it was due the 23 and paid on 8 days later. I have proof of payment. 
Also I pulled all of my statements and Home Depot is charging me late fees the same day my payments are due so they can wrongly report payments late and collect XXXX dollars for payments on time. 
It shows this in my statement. I want Home Depot to follow the fair debt collection act and the fair credit act by reporting my payments on time as they were on time within the 30 day period. If I mailed my payment in and they failed to apply the payment accurately then that is not 30 days late. I want this corrected on my report because it's false reporting.
Last XX/XX/XXXX, I sent a request to CMRE to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents. Moreover, After more than 30 days, what CMRE did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. They definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.
I bought a new XXXX XXXX XXXX on XXXX/XXXX/XXXX and got a loan for about half the value of the car from Commerce Bank. When I went to add the new car to my insurance, the quote I got from my current insurance agency was too high so I switched insurance carriers and that took about a month - I had my new coverage established on XXXX/XXXX/XXXX. Commerce Bank is now insisting that I show proof of insurance cover from XXXX to XXXX or they are going to charge me a XXXX premium of {$220.00}. I understand their need to protect the collateral for this loan but those dates are in the past - I did n't have any accidents or incidents so I 'm not sure why they think they have a right to charge me retroactively just because I can not produce proof of insurance after switching carriers. I am just going to pay off this loan and be done with Commerce Bank because they XXXX!
A self lender account was open in my name without my consent. When an alert was sent out to me I immediately contacted XXXX about the self lender account. They immediately closed the account and told me that no one will be able to reopen an account in my name. The damage had already been done because a late payments was put on all three of my credit reports which in result cause about a 30 point drop on all three credit report. I disputed the account as well but it not fair for me to lose my points and not regain them due to an account being open without my knowledge. I feel this is a problem that need to be fix asap.
I purchased XXXX XXXX Gift Cards from Wells Fargo & Company, and loaded {$200.00} on each with a {$4.00} fee, totaling XXXX. Upon realizing that the card did not work at retailers I was led to believe it would work at, I attempted to have my remaining balance ( the full {$400.00} ) returned to me. I did not seek to have any associated taxes or fees refunded. I was told by a Customer Service Representative that the best they could do was offer me 65 % of my remaining account balance. I attempted to complete this refund within 48 hours of the initial purchase, and had my receipt from the initial transaction. Every attempt to resolve this issue with Wells Fargo & Company has been met with contempt, and I do not believe that they have dealt with my issue in good-faith. I was not cautioned about any policies regarding refunds at the time of the initial transaction. I find a 65 % refund to be wholly unacceptable as I had paid for the balance in cash, and in full, only 48 hours prior.