WillisBack/dataset-financial-user-claim huggingface dataset:
On my XXXX credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.
Main company : XXXX XXXX XXXX ( {$160.00} ) Collection agency : XXXX XXXX XXXX XXXX  Reason : Fraudulent Charges Date : XX/XX/XXXX ( Last Reported : XX/XX/XXXX ) Description : I never rented an apartment from XXXX XXXX, I or my family members never stayed for a day at the XXXX XXXX. I am a single mom with XXXX young children. This apartment manager was raciest who threatened me to destroy my credit because he did not like to answer my questions before I rent their apartment. On the name of form fee they charged me this {$160.00} fee.
My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX  had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
I Want XXXX renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX  Equifax and XXXX XXXX Credit Bureaus
On XXXX XXXX, XXXX, XXXX XXXX sent my title company a payoff letter stating that my loan payoff would be {$240.00}, XXXX ( {$240000.00} principal + {$1300.00} interest + {$46.00} documentation fee ) through XXXX XXXX, XXXX. We actually paid the loan off on XXXX XXXX, XXXX. To date XXXX XXXX has refused to refund the interest overpayment. Per their website, the payoff was applied as follows : Principal {$240000.00} Interest XXXX Escrow XXXX Total {$240000.00} To date through numerous secure messages and phone calls, XXXX XXXX has refunded my escrow balance but has refused to refund my interest overpayment or explain why it has not done so.
They sent letters stating they would resolve the issue and they never followed through by the dates they said they would instead thet past it off to XXXX. 
They said they would modify then they sent the payments back. ( see attached letters ) They have been holding me financially hostage since 2010. I have a family to take care of I 'm a single mother and the only income earner and now have a XXXX.
My student loan was held by XXXX XXXX and was to be transferred to ATG. ATG said they did not receive my student loan. I need help to find the student loan. I ran my credit report, it does not show who is servicing this loan. The student loan has been " gone '' for almost 1 1/2 years.
My XXXX credit report continues to show 2 missed payments for the months of XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to XXXX not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor XXXX has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to XXXX for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX
XXXX XXXX 
Inbox
Dear XXXX. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, XXXX
I have never done business with National Credit Adjusters. I do not have a written contract with National Credit Adjusters. I reached out to National Credit Adjusters twice for proper debt validation and still have not received proper debt validation for the alleged debt that is listed on my credit report. This is my third and final attempt asking for proper debt validation from National Credit Adjusters. The next time will come with a lawsuit. If National Credit Adjusters can not produce a written contract between themselves and me showing that I acknowledged and am liable for this debt then they must remove this erroneous debt from my credit report immediately. It is NOT suffice to produce any documentation from any third party company. I am asking for documentation directly from National Credit Adjusters. National Credit Adjusters does NOT have permission to contact me by phone, e-mail, or us mail. All communication needs to come through this CFPB portal.
I am writing this complaint to address the fact that I did a modification with my previous lender ( XXXX XXXX XXXX, XXXX ) 3 years ago who sold the loan to the current loan servicer ( West Coast Servicing ) ; when the modification was finalized the balance on the account was brought current. I have been working with West Coast Servicing and gave them proof that the loan was brought current from the modification and they are insisting that I owe them XXXX dollars. Please see supporting documentation that I have been making all payments for 3 years and the account is brought current. Included in the attached are the paid checks for Year XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX are available through West Coast Servicing because I submitted those statement directly to them.
Hi I 've been getting calls from XXXX different companies stating i owe money from several payday loans i never even applied for. XXXX of them is highpoint assets XXXX thats their phone number. I spoke with them numerous times and told them that I never took out any loan of such kind. They stated it was XXXX different loans that round up too XXXX dollars. The agent told me what could i counter offer him and I was just in shock of what I had just found out. Never in my life have a ever taken out a payday loan and now 3 years later I get a phone call stating i took out XXXX payday loans from 2012. It just doesnt make sense to me. I told them to mail me a validation of debt letter, he said he could email it to me quicker, i said thats fine but i would still like to receive it by mail. Im still waiting on that. In the end i told them that i was going to the police to file an identity theft report because i know i never took out these loans. They said thats fine and to make sure to fax them the police report once its done. The second company that called me scared quite a bit. It was a guy named XXXX calling from XXXX XXXX XXXX. This guy was stating I took out XXXX different loans worth XXXX dollars and if i didnt take immediate action that i could be charged with bank fraud and have my drivers license suspended. He said that he could get rid XXXX of the loans and i would just have to pay XXXX dollars. I told him this is news too me, never in my life have i ever taken out a payday loan. I explained to him that i need this to be investigated because i know for a fact that someone has stolen my personal information. He said he would help with the investigation but that i would need to provide him with my debit card number that we could start our settlement and this wouldnt be taken to court. I feeling vulnerable and scared gave him my debit card number but after i did more info later that day i called my bank and had them cancel out my old card and supply me with a new one. I honestly dont know what to do. I know i never took out these loans. Should i file a police report for identity theft? Or should i just ignore these calls. I was stupid enough to give high point asset my current email and last XXXX of my social. I just want this to end. Its been an annoying month receiving calls from these people.
I moved to a new apartment. I noticed my social security card missing as I was packing. I reported the loss via telephone to XXXX which shared my fraud alert request with Experian and XXXX. This summer I applied for senior housing in XXXX county. That application was denied based upon a report generated by Experian. Subsequently I applied for a car loan with XXXX because of their 0 % financing offer. I could only get the car on a 4 % financing. It was then that I was told that there was fraud alert placed on my credit. However, the credit reporting agencies never contacted me to verify. I became the victim of my own fraud alert.
I recently reviewed my credit report and seen an alleged account from this company reporting and causing a negative effect to my credit report. I send the company a certified letter with return receipt requesting validation. I do n't recall signing any contract with this company.
I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
On XX/XX/2018, I received my new Sears Mastercard, number XXXX, in the mail and disputed a charge for {$2200.00}, made at a Sears store in XXXX, California on XX/XX/2018. The dispute was made via telephone. I never received a confirmation of the dispute, so I filed a duplicate dispute on-line the following day. The basis for the dispute was that Sears delivered a non-functional/defective electronically adjustable ergonomic bed-set. The bed-set was purchased to address my physical XXXX. 

Sears Mastercard responded to the dispute with a letter dated XX/XX/2018 ( attached ) requesting additional information. Specifically, The date and method of return, a copy of the return receipt or credit voucher, an explanation and a copy of the merchants refund policy. I replied with my letter dated XX/XX/2018 ( attached ) and I included copies of the receipt/contract which detailed the return policy, salescheck number XXXX, attached. I also included the transaction print-out, salescheck number XXXX, which XXXX ( a store manager ) gave me on XX/XX/2018, when I attempted to return the merchandise to the store in person. That day, XXXX refused the return and instead referred me to the Sears National Customer Relations line XXXX. I subsequently telephoned the line and told XXXX I wanted to immediately return the defective bed-set. She gave me case number XXXX and told me someone would contact me. To date, no one has contacted me. Two other people witnessed my attempts to return the merchandise. 

Sears Mastercard investigated the dispute and reversed the charge, see letter dated XX/XX/2018, attached. Then suddenly and without providing any additional evidence, Sears Mastercard arbitrarily overturned their decision in their letter dated XX/XX/2018, attached. The reason for reinstating the charge was, you did not provide proof that you returned the merchandise to the merchant. Indeed, considering the evidence the only reasonable conclusion is Sears Mastercard did not evaluate the dispute in good faith as required by law and reversed their decision because of their financial symbiotic relationship with Sears. I am therefore, requesting the Consumer Financial Protection Bureau to intervene on my behalf.
On XX/XX/XXXX I telephoned First National Bank of Omaha to transfer a {$1500.00} balance with a 2 % fee and 4.99 % interest for life into my Credit Card Account with ( into ) my First National Bank of Omaha Credit Card account ... FROM XXXX / XXXX Bank ... in the amount of {$1500.00}. Although I could have traveled to my local XXXX Store and conducted this transaction personally, and paid this amount at the XXXX Store with a First National Bank of Omaha convenience check, First national Bank of Omaha told me over the telephone that this transaction would " post more quickly '' by doing the transaction through First National Bank via telephone ... so I proceeded by telephone with this balance transfer. On XX/XX/XXXX, First National Bank gave me a Confirmation Number of XXXX for this balance transfer transaction. On XX/XX/XXXX I received my XXXX/XXXX Bank Credit Card statement in the mail and saw that this {$1500.00} balance had NOT been transferred. XXXX/XXXX Bank even imposed a {$27.00} Late Fee on me, plus an Interest Charge of {$39.00}. And they reported me as being late and overdue with a payment to the Credit Bureaus. I telephoned First National Bank of Omaha and asked them why they Never informed me of this problem of a failed balance transfer? Their only explanation was that XXXX/XXXX Bank had Failed To Accept their " wire transfer of funds for this balance transfer ''. WHY? It is my claim that BOTH of these two banks are at fault, yet neither will work to help resolve this matter for me. Can you?
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX
There was an incorrect tax lien filed in XXXX County Court in XXXX 2016. In XXXX 2016 the Indiana Department of Revenue notified the court to EXPUNGE the entry as it was done in error. All other credit agencies removed the entry however Experien has not
I am a customer of PNC Bank. I transferred {$150.00} from checking account to my Credit Card on the XXXX XXXX 2016. I received a confirmation of a successful transfer which I still have, but the money has not been credited to my credit card nor has it been returned to my checking account. I contacted the XXXX PNC Branch where a young lady named XXXX helped me. XXXX spoke with me today and stated no money had been transferred, and that technology is not 100 %. I am citizen that lives paycheck to paycheck, I monitor my money and I cant afford this.
XXXX XXXX, XXXX has illegally restricted me from using their services. They say first my account triggered an alert, stating Ive supposedly violated their terms of service, but can not seem to prove it to me, stating for security purposes, they cant tell me. Now they say theyre using the regulations against me. They say basically they can do whatever they want, and corporate refuses to contact me back. Ive tried contacting their corporate office, but no avail. They absolutely refuse to contact me back. I would love a call from corporate to explain how they get to make their decisions, and why?
I've made several attempts to resolve a medical debt on my credit report that was opened on XX/XX/2018 by COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$780.00} which is clearly incorrect and an error that's lowering my credit score is creditor that's threatening me about taking action. They undermine me and  bully with scare tactics they scream over the phone refuse to give me the name and address of the original creditor. I was eventually able to find out what the original creditors name was which is XXXX XXXX XXXX i contacted them and they had no information whatsoever about a medical debt i currently owe or was sold to another creditor agency.
Since XXXX XXXX, 2014. I have tried to have several accounts that were placed in my name fraudulently removed from my Equifax Credit File. I have filed a Fraud Affidavit packet and sent it to them as well as a police report that was taken by an officer and my local police station and it is no use- they continue to report the fraud on my credit. I am growing very frustrated at this point because I feel like the only option I have is the file a law suit.
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for several months. The Association has had to take over property maintenance and has incurred fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.
I received a statement from XXXX Anywhere Visa Business Card by Citi about an overdue payment 3-4 months ago. I immediately went online to pay the overdue bill and when I paid it, the company automatically enrolled me for paperless statements despite the fact that there was a box that had to be checked for them to enroll me for paperless statements and I did not check it. I stopped receiving paper statements and so I did not pay bills to the company for this time. The whole bill for the time I did not pay was for the amount of {$20000.00}. I have already paid {$18000.00} to the company. When I found out that I stopped receiving the paper statements, I paid this amount to the company and called them to ask them to send me my original billing statement which states the specifics of what each payment was made for. As a consumer, I have the right to know what I am paying for. I kept calling the company to ask if I could receive the billing statement, telling them that I would pay them but I need to know what I am paying for. The company still has not sent me my original billing statement. Over the phone the company told me I could see the billing statement information online. However, when I went online, I found out that they blocked my access to my information because of my late payments. They have also charged me an unreasonable amount in late fees and interest that I refuse to pay. The total amount is {$2800.00}. For the past few months they have continued to send me bills telling me my overdue amounts in interest and late fees without sending my original billing statement. I called the company explaining that the amount was unreasonable but they have not done anything to resolve the issue.
ive asked to please stop calling that i am working with a company for debt relief but they constantly do not stop, they start as early as XXXX and some times nearly XXXX even on sundays
I received a suspicious yellow post card in the mail. It says I recently closed on a mortgage with first interstate BK/OR, and it's important to contact them at XXXX asap! Mortgage ID # XXXX. 
SEEMS SUSPICIOUS!
I settled this with XXXX XXXX XXXX, XXXX has no right or valid contract, it is against the law to collect money twice ... 

XXXX XXXX XXXX has no right or valid contract, this was settled with XXXX XXXX XXXX, you can not collect money twice ... 

I contacted original creditors and was told that your system may not be updated or is in error ... XXXX   verification is faulty ... and they told me that they ( the creditors ) did not verify this to you ... 

please remove or litigation will follow, this is in violation of F.C.R.A. law
I do n't know why this is on my credit, I have spoke with these people several time. Told them this is not my bill. If this is my bill I need tbe bill with my name on it. XXXX was my treatment, and my signature.
After 7 years of being a widow I never had any experience about dating I joined the online dating, I met someone his name was XXXX XXXX ( fake or fictitious name ) as he described himself a a XXXX XXXX working in XXXX ( his website ), a contractor who works for many year in XXXX doing the XXXX XXXX XXXX. He described himself as single with a XXXX year old daughter whose resident in XXXX and temporarily lives in XXXX XXXX where he said his office located. 

Fast forward, everything was going smoothly between us a 24/7 communication from texting, calling, emails, was just amazing and incredible, until one day he asked my assistance he told me that he was working in XXXX for few years with the constructions  business and finally the XXXX government emailed him that the payment was ready to issue to him from the XXXX government. He said that it is very safe to send his payment to my account in the US but he needed my assistance to pay to his certificate of issuance from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX for the Clearance of the amount or payment to him. 

As we go along the situation and communication I agreed to do it for him as he promised me that when he come to the US, everything is going to fine in our lives together and will pay me back, so, at the same time he said there are people in the authority to help him in XXXX to start processing the certificates. 

He first requested me to send him money through Money Gram in  XXXX so it would be easy for him to receive it so I did. He told me what to say and do as I never had any experience wiring money to XXXX. The FIRST NAME was XXXX XXXX AMOUNT WAS {$2500.00}, Reference Number # XXXX XX/XX/XXXX. The SECOND NAME was XXXX XXXX amount was {$2500.00} Reference Number # XXXX, XX/XX/XXXX. The THIRD name was the same XXXX XXXX amount was {$2500.00} Reference Number # XXXX, XX/XX/XXXX. 

They have received all the money. after few months of correspondence I finally found out it was ALL SCAMMED AND FRAUD! I WAS DEVASTATED.! ..I reported this scammed to the Police and FBI. I had all the evidence provided when I went to the FBI office. I had all my savings money taken, I was heartbroken, had so many bills to pay and had to find another job to make my ends meet ....
XXXX   XXXX   XXXX   (  or at least someone impersonating them  )  calls on a daily basis. Last call was  XX/XX/XXXX ,  XXXX . They have done this on and off for 3 years now - generally calling daily for several months in a row, before going quiet for a month or two, only to start up again. Sometimes it is a robo-call, sometimes it is a person. Thing is, we are a church, not a private individual. The individual they are calling for can not be found here, and they have been informed of this fact over and over and OVER. And yet they still keep calling. For years now. The last call they made is a robo-call with a message left on the church 's answering machine. The message has been saved.