WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my XXXX  Credit Report and found that their is an account that does not belong to me from XXXX XXXX XXXX XXXX  with the Original owner being XXXX. It was reported on XX/XX/2018. The amount is {$410.00}.

I contacted the collection agency on XX/XX/2018 and the representative was rude and would not cooperate to confirm any information that I asked for. I was asked to verify my information and I was not giving them anything in case they were wrong. I was also hung up on.
Complaint about a computer glitch that was TransUnion 's problem - not mine - which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I also contacted TransUnion mulriple times X/XX/17 ,X/X/17, X/XX/17 in good faith to ask them to delete the inquiries that they had illegally re-added but they did not seem to own up to error and brushed me off and these inquiries add a hardship to my life and my rights were violated by TransUnion. I 'm just asking for help to make TransUnion stop victimizing me.
The personal identities of my wife and I, which we had entered on our rental application to the XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, including our names, birth dates and social security numbers and other confidential personal information, have been fraudulently misused by the XXXX. For example, the XXXX secretly took money from my wife 's XXXX bank account. This unauthorized charge was accidently discovered when reviewing another transaction. After conducting a full investigation, the XXXX bank fraud investigators concluded that this was financial fraud, unauthorized charge, theft, etc. and reinstated the full amount that the XXXX had unlawfully taken out of my wife 's bank account. Undeterred, the XXXX has proceeded to report the same fraud amount as late, unpaid charges to the credit agencies against my identity using my personal identity and credit information. Worse, the XXXX collection agency '' FCO, had the gall to call and ask us to send them a " small nominal fee '' in order to make our banking and credit nightmares that they are unlawfully creating against us to disappear.
I never received anything from this company but it 's on my credit and dropped my score  XXXX  points
XXXX did a hard-pull of my credit report with Experian without my express consent. I want this report to be removed from my credit history.
I have been receiving mail that are addressed to my brother at my previous address. My brother has never lived with me at that address. Now I recently bought a newly built home and moved in. I am still receiving advertisement and collection mail at my new address. I recently used your department to resolve a credit issue in which my credit report had my brother 's information in it, but it was resolved. I would like to know who could still be linking my information to think my brother is either me or lives with me. This is a big issue because someone still thinks we are the same person. Any help would be greatly appreciated.
XXXX XXXX XXXX XXXX XXXX ), is in possession of a Paypal Credit loan, according to Paypal 's records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, Paypal Credit reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use XXXX. He placed a number of orders with an XXXX orders running into the thousands. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
I had a XXXX XXXX card, and when XXXX ended its affiliation with XXXX they transferred the accounts to XXXX. I never wanted the new XXXX account, and never activated the card that was sent to me. I contacted XXXX to cancel the account. They could n't help me. I contacted XXXX to try to cancel the account - they informed me that I needed to work with the issuing bank. BarclayCard began placing recurring charges transferred over from my XXXX account each month, even though they were never authorized to do so. More than two months ago I called the credit card company and cancelled the account - although I should not had had to do this, since I never activated the account in the first place. BarclayCard / XXXX completely ignored this and continues to place charges and late fees on the account.
Equifax, XXXX, and XXXX all showed my name and report as having an account with XXXX Credit Cards. XXXX dispute was good and the bad information was removed. Equifax will not answer the phones and the on line service will not function at all. 

I have contacted XXXX Cards and they say they can not talk to me about the account because I am not on the account and they can find no record of an account in my SS #. I asked for a written statement to that effect and they told me I had to dispute it through the individual bureaus. I have done it and all but Equifax have fixed it. 

I sold my house and now can not get a mortgage due to this error. How in the heck do I fix it?
The XXXX amounts in collections by the Financial Adjustment Bureau on my credit report have never been reported to me by mail or otherwise. I have however been advised of XXXX accounts by mail, in collections that are not reported on my credit report. There are in all, XXXX discrepancies ... I do not know to whom I owe how much and to whom I would pay how much ... .I have never received correspondence about any of it. I am disputing the fact that I just now found out about all this, and why and where did this mess come from?
Parent Plus Loan Original Amount {$110000.00} dated XX/XX/XXXX has been PAID IN FULL for over four ( 4 ) years. Recently received a statement from Navient ( which was also sent to the State of Connecticut ) showing that we owe money on this loan which has been PAID IN FULL. Letters and statements have been received from Sallie Mae and Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX confirming this. 

Currently unable to download the letters on this site at this time. 
Error Message Received XX/XX/XXXX : The webpage at https : //complaint.consumerfinance.gov/submit-a-complaint/XXXXFileAttach might be temporarily down or it may have moved permanently to a new web address.
Refinanced my student loans thru XXXX but I ca n't get them off of my credit report I do n't owe them any money and when I dispute them keep coming back with I do n't why we are on your report.
THIS IS NOT A DUPLICATE. I submitted a complaint against Focus XXXX and XXXX XXXX. I moved into an apartment at XXXX XXXX XXXX on XXXX/XXXX/XXXX ( I have attached the lease validations from the residence management company ). XXXX submitted a collection to Focus showing the XXXX delinquency date as XXXX which was BEFORE I moved in. 

They have taken a previous resident 's bill and placed it on my credit bureau as a collection. XXXX said I needed to file a police report and file fraud affidavits. This is not fraud ... it is poor accounting and management. 

I filed a complaint against XXXX XXXX and CFPB told me I needed to file against Focus. I have attached my credit report showing the first delinquency of XXXX ... I have attached a letter from the property manager showing I moved in in XXXX.
On X/X/17 I received a statement from Discover Student Loans which disclosed that I have only paid {$18000.00} and only {$1600.00} went to the principal of the loan. {$17000.00} went directly to the interest of the loan. My credit rating and my co-signer 's credit rating has been negatively effected. The company changes the monthly amount expected as the interest rates change. After paying {$18000.00} in one year, I feel their tactics are predatory and unconscionable. Federal student loans are regulated by the government for debt to income and options for repayment. Private loans such as this one, have managed to gone unregulated. Anytime I have attempted to reach out to Discover Student Loans they are unwilling to to find additional options to help. I have expressed numerous times that I am having trouble finding consistent full time work and that their payments are just too high.
I have filed a complaint against Fifth Third bank on XX/XX/XXXX complaint # XXXX. Fifth Third responded on XX/XX/XXXX with no explanation for freezing my bank account without doing any investigation of funds, The funds are clearly protected funds I have no other source of income. Fifth Third banks failure to research and do a 60 day look back and review my accounts has cost my family thousands of dollars. I am supporting XXXX minor children on a fixed income after my wife past away on XX/XX/XXXX. I am also on XXXX. Fifth Third neglected banking duties. Costing my family thousands of dollars in legal fees. This all could of been avoided if Fifth Third did a  investigation before freezing the account. Fifth Third Bank has not taken any responsibility to my complaint # XXXX and has not offered any resolution to miss management of my funds.
I received my credit report from XXXX and XXXX roughly in the same month of XXXX XXXX. 
My issuse is this ... ..as I compare the information on both reports I couldnt understand why XXXX XXXX failed to listed the original credit amount for this negative account. It is also clear that this account was opened XXXX XXXX and first reported XXXX XXXX. After calling XXXX XXXX to get a clearer understanding on my debt I was in formed that they had no record, dates or credit history. I was directed to another company that was not even on my reports. 
Ater contacting the Central Credit Service they to were unable to produce any verifiable documentation. This account was charged off according to XXXX and XXXX yet XXXX is claiming I have a past due amount. But again there was no documentation for me to agree with it. The balance amount was supposedly {$88.00} while the past due amount was {$76.00}. Im completely helpless in this situation. The damage that it has done to my credit score and my ability to establish other credit can not be undone. I do note recall recieving merchandise from MW at all. If I had this account since XXXX XXXX why dosent the account reflect the payments on it to project any positive reports. I have been affected by both XXXX XXXX and Central Credit Service long enough. If the account was mine all the had to do is forward me the bill and I we all would have saved time and money.
I 'm disputing the following debt in the amount of {$50.00}. Capio Partners is reporting a debt on my XXXX credit file with XXXX Hospital being the original owner. I was never notified of this debt. This debt was also once deleted from my credit file and now it 's back. FCRA states a debt can be deleted and added back with out a 5 day advance notice. Also there is now way I can owe the debt. XXXX XXXX 2016 I had Florida state XXXX Please see attached proof that I had Florida state XXXX. I also never visited XXXX in XX/XX/XXXX because I was in Georgia at the time.
Williams And Fudge has been repeatedly calling my house asking for my wife 's dead mother, XXXX XXXX, who died 13 years ago. XXXX never even lived here, and this is a fishing expedition. We don't appreciate being called by debt collectors and reminded of a relatives death. 

These people have called 3 times now over several weeks. Most recently at XXXX XXXX CDT on XX/XX/2018. Each time we've told her that her mother died, and the length of time. Yet these calls persist. When asked about what the matter was about, the caller wouldn't tell us. I have a recording of this conversation if necessary. 

This woman died 13 years ago. Give it a rest Williams and Fudge.
I sent {$3500.00} from Coinbase a US based bitcoin exchange in XXXX XXXX to a XXXX account the was closed down accidentally. The money was then sent to a email account were I was supposed to claim the money. Unfortunately I had no idea it had been sent to it until it had passed 30 days were XXXX the sent the money back to Coinbase. This has been ongoing and started about two weeks before XX/XX/XXXX. I have called Coinbase customer support multiple times and they have told me they were working on it but it no XX/XX/XXXX and I have yet to hear back from them. So I am under the belief that this is fraud. Please help
My account was accessed by someone on XXXX/XXXX/XXXX and they made an unauthorized transfer. When I called Chase Bank, they suspended the online access and advised me to call a separate number to change my login/password. When I called the number, I was advised that my whole account would have to be closed and a new one opened but in order to do this I would need to visit a branch. This is not possible as the closest branch to my location is 143 miles away in a different state. I 've spent over 3 hours on the phone with Chase and they have not presented any sort of solution.
XXXX XXXX XXXX has been reporting and damaged my credit report says I owe {$2300.00} for something that they say I rented on XX/XX/2016 from a company called XXXX  and I have not I have disputed this collection many of times as not mines identity theft with the credit bureau and they still says I owe this account I have requested proof of this account that they say belongs to me and the information I received is unverifiable the address they have does not belong to me the telephone number is not mine nor does it has my signature I don't understand how they was able to even report this under my credit report
This debt collection agency has filed a XXXX on XXXX 2015 for the amount of {$3200.00} now they are trying to garnish my wadges but the amount they are claiming is now {$3900.00}. This is getting to be ridiculus. They are changing amounts and now they have the writ and are trying to garnish my wages. I need for them to just set up a payment plan but they want even negoiate any terms with me.
On my Bank of America statement, as I was close to final payment of a balance transfer with a 2 % APR, I was repeatedly charged a monthly {$1.00} " fee '' in substitution for a negligible interest amount. I was unable to determine, from information on the paper statement or online, exactly how much that balance was so that I could pay enough to get rid of it and avoid the annoying " fee. '' ( Meanwhile, about the same time that the prior balance should have been paid off, I had transferred a new balance to the card at 0 % APR and had paid the 4 % fee. ) Bank of America did remove the {$1.00} fee for each of the 3 months that it appeared, but I had to call and " escalate '' to a supervisor each month, which was annoying. 
I am complaining because my paper statements have the required grid of " Interest Charge Calculation '' with column headings for the balance amount, APR, etc., but the " Balance Subject to Interest Rate '' for all balances ( i.e., each different balance transfer, loan, purchase, etc. ) is always XXXX. This amount is simply neither computed nor displayed. Without that balance information, it is difficult for me to plan how much to pay to get rid of certain balances, e.g., the minimum payment + interest + amount of highest rate balance. 
In comparison, the statements that I receive from XXXX XXXX have the balance information filled in on this grid. Moreover, the statements that my spouse receives from Bank of America have this balance information. Obviously, the prior balance at 2 % APR should have been displayed and even the current balance at 0 % APR should be displayed ( even 0 % is an APR ).
My credit was pulled by Credit Plus. They were checking rates for refinanced mortgages and did NOT have my authorization to do so.
Account # XXXX To whom it may concern : I am a borrower with a residential loan from Fay Servicing LLC in default.

As for now Fay Servicing Is currentlydual tracking my request for a loan modification, while simultaneously  proceeding towards a foreclosure sale date XX/XX/2018 which I believe is a violation of Cal. ( Civil Code 2923.6 ( c ) - ( d ), Section 2923.6 ( c ) addresses the problem of dual tracking, in which financial institutions continue to pursue foreclosure even while evaluating a borrowers loan modification application.
We closed on a refinance with Freedom Mortgage on XXXX XXXX, 2016. On XXXX XXXX I was told to cancel auto payments and to NOT make payments for XXXX and XXXX. However the autopayment had already gone through on XXXX XXXX. I called customer service to cancel the autopayments and was told we would be refunded the {$1100.00} payment made in error two weeks after closing. It is XXXX XXXX, no refund check and no one at Freedom Mortgage is willing to help me figure out what happened to our money. I called customer service who said they have no notes about a refund, but opened a ticket and I never heard back. I called the closing agent, XXXX XXXX XXXX, and they said they had no notes about a refund but sent an email to Freedom Mortgage. Never heard back. I called the loan processor, XXXX XXXX. She talked to her supervisor, XXXX, and said the payment made in error was included in the payoff. But they told me to call servicing who said a refund of {$1800.00}, a combination of the surplus payment and escrow money was due to us and to call back if we do n't receive it by XXXX/XXXX/16. No check. I called servicing again today and the agent could n't help me and transferred me to the Escalation department. The Escalation department told me again the XXXX XXXX payment was taken from our principal and we were not due a refund. I asked what is the {$1800.00}. She investigated with her supervisor but in the end could not give a response, and transferred me to a voicemail. I finally hung up. To say I am frustrated with Freedom Mortgage is an understatement. I ca n't find a single person who is willing to sit for 2 minutes to really understand what happened to our money. I just looked on my closing statement and the amount to be paid off was {$170000.00} with an escrow credit of {$610.00}. The payoff posted on my account is XXXX. If I subtract {$170000.00} from {$170000.00} I get {$610.00}. The XXXX XXXX payment for {$1100.00} was NOT included in the payoff. The closing statement was based upon the fact that we would not be paying XXXX and XXXX so the XXXX XXXX payment was not considered when the loan was paid off.
I had a mortgage with XXXX in XX/XX/XXXX they gave my mortgage to a company called greentree servicing. My mortgage was XXXX at the beginning a couple of years ago I lost my job due to closing. So last year I applied for a home modification they sent me some papers stating that they would give me a temporary modification for XXXX year. They drop my payments to XXXX for a year. So this year XX/XX/XXXX that modification was finish. So I got a letter in the mail stating my new payment is XXXX due to the escrow paid my taxes and insurance while I was in this modification for that year. So I looked at the statement they charge me for XXXX years taxes and insurance but I did n't have the modification but for XXXX year. So I question them about this to a lady name XXXX she my representative she told me she did n't know about that I need to asked them. She also stated to me have n't they been paying your taxes and insurance since you been in the home I told her lady I been in my home for 9 to ten years and I always paid my own insurance they never paid it. I told her I can not afford these payment I need a permanent modification. They sent me the papers and when I sent them in they told my they could n't give me a modification because they did n't have the authority because the were just contractors for XXXX mortgage. I ask how can I contact XXXX Mortgage they would not give me the information. Please help me I do not want to loose my home.
a medical bill was added to my credit report for my daughter b y Receivable Management .... ive s poken with them several times and was told to send the insurance info for that time of service ... I did so months ago and it still shows on report ... called today and was told that since it was so long ago that im still responsible for the debt ... I infrm that its not my fault that the medical office fail to report the claim and of course the medical office is no longer in business
This company called my brother today. My brother, who I RARELY have contact with, and definitely did n't have contact with back when they say this debt was obtained. For one, this supposed debt was in 2009 in Alabama under a misspelled name. Secondly, I have already asked for documentation of this debt for the past 2 years and never received it. Lastly, they have now called my in-laws, my moms husband from 10 years ago, that she 's no longer married to, mother, and now my brother ( who recently got a new phone number, so I know this number was never provided to them. Ironically, I had just talked to him yesterday for the first time in years, then this morning they all of a sudden call him to say I 'm going to jail if I do n't pay off this debt ( same thing they told my in-laws and my ex-step-grandmother ), because they claim they ca n't serve me papers.

This is HARASSMENT!
XXXX : paid in full and I was only late XX/XX/XXXX sent proof still said late for 6 other months I was not late XXXX : I had sent letter that asset acceptance agreed to remove- equifax has not removed XXXX and XXXX XXXX NOT MINE. I never opened, knew about or made a pymt to them. sent letters to creditor to dispute no response XXXX this acct was first delinquent XX/XX/XXXX so too old to be reported. It was originally under XXXX and when XXXX bought them out they changed dates/info. 
XXXX XXXX : Equifax had removed XX/XX/XXXX since I said was not mine after dispute and now on again. it is NOT MINE and I want removed. sent letters to creditor to dispute no response XXXX for XXXX- not mine and I had no knowledge. I want removed. I NEVER had XXXX. sent letters to creditor to dispute no response XXXX XXXX XXXX not mine. i never had XXXX XXXX. I have cable. I want removed.sent letters to creditor to dispute no response XXXX XXXX XXXX not mine. i never had XXXX ( again ). I want removed. sent letters to creditor to dispute no response. Thiw was reported under XXXX XXXX XXXX for XXXX and removed in dispute in XX/XX/XXXX. XXXX bought by XXXX and this creditor bought acct from XXXX XXXX looks like. 
There are many duplicate inquiries for accts that I want removed and also I did not authorize XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, or XXXX XXXX. I want removed since no permission
went to use my atm card and was denied went to bank and said they closed the account .i asked why no one knows i have little over {$600.00} in my account and i can not take it out i had this account for monts never had a problem .they closed the account so i need my money thank u XXXX