WillisBack/dataset-financial-user-claim huggingface dataset:
I called to provide a new checking account number over the phone with a live agent because the pay-phone system would not accept my payment for the new account on the XXXX which is the last grace period to pay my mortgage. Once I did speak to a customer service rep at the mortgage company two payments instead of 1 posted too two different accounts. 1 from a account I never authorized which put my checking into overdraft after providing a different account I was told was entered and corrected twice ..instead of the new account I provided ... leaving the money in the new account untouched .. So I went into my bank with XXXX XXXX XXXX XXXX on the XXXX called the mortgage company again with the bank providing the checking account I had already provided on the XXXX. At that time I was assured my new account would be debited for {$1100.00} ... on XX/XX/XXXX waving the {$12.00} processing fee ... my work payroll it on the XXXX and all my money was debited again on the XXXX for {$1100.00} for mortgage taking all my money out my account that the mortgage company was not authorize or allowed to use I was sent two confirmation emails # XXXX for two drafts 1 from the authorize checking 1 from the unauthorized checking withdrawal..By the way I am not on any automatic withdrawal service. I have been unable to pay any of my mid -month bills such as my car note, car insurance, utilities ... buy food or anything ... I have sent all requested documents to the mortgage company that the money they took from both accounts have cleared plus any NSF charges on my account for my money to be returned. I have spoken to several supervisors, email customer care sent supporting documents still I have not been provided a reversed refund of charges. Now it is the XXXX my mortgage is due again between the XXXX ..But None of my other bills have been paid. This is placing me in a Hardship!!! I spoke with XXXX at XXXX on the XXXX .. Then a XXXX  at same number different extension XXXX on XX/XX/XXXX .I have emailed a XXXX ... sending supportive documents.., .I have emailed XXXX ... 
STILL my money has not been Returned my loan number is XXXX..Lakeview Loan Servicing holds my mortgage. XXXX ... I was also recorded on a recoreded line that I did everything Right..plus provided all correct information from the start ... I would like all my late charges for all bills I could of paid be caught up ... Please Help ... as this is No Fault of mine ... .Upset Consumer!!! my contact number is XXXX
my Dad passed away and he had a written will and had a notory to make me general power of attorney and also a quick dead was made out and freedom morgage XXXX XXXX XXXX XXXX XXXX XXXX PHONE # XXXX was not going to honner the will so now they are trying to take the house away from me and trying to sell it with them knowing that i have a court date on the XX/XX/2016 they are trying to steel it from me.
I recently disputed a collection account on my credit reports from a agency by the name of G C Services on behalf of XXXX XXXX. According to the collection agency they " verified '' with their client that the account is in fact my account using my name and address. They also enclosed documents to prove this. Upon the reviewing of these documents it is clear that this is not my signature, nor is it my name signed on these documents also I have never resided at the address listed on the account. This further proves that this is not my account. I would like these documents to be reviewed and this account that is falsely reporting negative information on all XXXX of my credit reports removed immediately. I would also like this account to be blocked from reinsertion due to the fact that it is hindering me from obtaining positive credit lines.
Regarding : # XXXX On XXXX XXXX, I got an email from the Ally escalations desk asking me to call them to resolve the above matter. I called thirteen times and each time was asked to leave a message as there was no one available. The next day, I got an email with another number. I called 7 times and again no ability to talk with the person responsible for resolving the case. This is a check for {$190000.00}, where they are holding my money and I have no access to it. Please help me expedite resolution. It 's taken hours of my time with no results.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
I paid the debt in full in XX/XX/2008 and received a notarized letter from them stating that this debt was paid in full and that I no longer owed them any money. They contacted me a little over a year ago regarding this. I called and spoke with someone who had me fax over the paperwork that I have showing that it was paid in full. I called again to confirm that he received it and he said that he did and that everything looked to be in order. He said that if he had any other questions that he would call me back. I never heard from them again until just recently when they sent me the same paperwork again. I paid this debt off 7 years ago.
I have been getting a phone call a day for almost a year now. Every call comes from a different state. The company is called portfolio recovery. I believe they are a debt collector. I do not owe anything to anybody. I have excellent credit. I do not answer most of the calls. Three times I have picked up and told them to stop calling me. Every time I am told that my number in not in their system. Every time I am told they will have their supervisor take care of this. But the calls keep coming. Please make them stop!
I can't use the card because I lost the card. I called State Farm Bank trying to report it to stop any activity and get a new card. The person wanted my NAME, BIRTH, ADDRESS, CARD NUMBER, EXP.DATE AND SECIRITY CODE ON BACK. If I lost the card how can I give that information?
Enhanced Recovery Corp is reporting XXXX accounts on my credit report that do not belong to me. I have disputed these items several times. I have submitted fraud affidavits. In dealing with other companies I became aware that I must have been the victim of identity theft. A look-up of my names generates several different name and social security number combinations. I am requesting that Enhanced Recovery Corp delete accounts XXXX for {$1500.00} and XXXX for {$200.00} from my credit reports with all of the national credit reporting agencies. I would like this company to also cease all contact with me regarding these accounts that do not belong to me.
Experian is reporting fraudulent information and when I try to contact them their website does not work. They are in violation of Section 609 of The Fair Debt Collections Act by not having and not being able to produce on demand the consumer signed contract with the alleged creditor.
XXXX credit card was sent to wrong address. I believe this was their fault and not mine, as I gave them my correct address.
The company called XXXX XXXX XXXX contacted me about nonexistent debt and wanted me to provide my social security number and other personal information. They told me that my debt was for a doctors appointment on XXXX/XXXX/XXXX. I called my doctor and they said I had no debt and nothing was ever sent to collections. The phone number for XXXX XXXX XXXXC is XXXX.
Told on XXXX/XXXX/XXXX I am not entitled to new acct incentive despite meeting all requirements
Notified on XX/XX/2018 by CapitalOne Master Card of charges on our card ending in XXXX at XXXXXXXX XXXX. On Sunday morning at about XXXX I called their Fraud Dept.. Three charges were made that night as follows : XXXX XXXX XXXX XXXX XXXX for {$3000.00}, XXXX for {$15.00} and then again for {$17.00}. CapitalOne cancelled that card and removed these charges from this card and took action to issue a new card. Today CapitalOne notified us of a new charge to XXXX XXXX for {$380.00}. I called CapitalOne as this charge showed against the new card that we have not received as yet. XXXX a Fraud Account Mgr. indicated that this charge was allowed against the cancelled card because a number of attempts was made to process it. She indicate that this happens at Visa and MasterCard. It appears that there is a flaw in these credit card  systems that allows a fraudulent charge to be processed against a protected cancelled card. It appears that there is a programming issue in these credit card companies that is putting consumers at risk.
I had a corporate credit card with American Express through my former employer, XXXX XXXX XXXX. My card number was XXXX. I was retired from the company on XXXX XXXX, 2015. I turned my credit card in to the company account administrator on XXXX XXXX, 2015. I filed my final reconciliation with my company on XXXX XXXX, 2015. Unknown to me, on XXXX XXXX, 2015, someone charged XXXX X {$35.00} = {$350.00} to reinstate XXXX Points to my account. American Express says this was done " on line '' but AMEX can not identify who did it. I do not believe that I did this in any way, as the " reward points '' are only approximatekly XXXX miles and are certaily not worth {$350.00}. I had a phone conversation with AMEX on this topic on approximately XXXX XXXX and specifically told them I did not want to reinstate these points as they were not worth {$350.00}. I did NOT go on line after that and order this reinstatement, as I clearly understood it was not worth it. Someone at AMEX must have done it XXXX AMEX says they have no record of who did it XXXX. In any event, I do NOT want these miles to be reinstated, and I have been telling this to AMEX ever since I saw my latest bill around XXXX XXXX. I want a reversal of these charges. 
AMEX has told me twice they would reverse the charges ; most recently yesterday XXXX XXXX XXXX, 2015 XXXX by a customer service representative named " XXXX '' at extenstion XXXX. Then I am told they will not reverse the chrages because my account is closed, which makes no sense because they are still billing me for this - my account is closed in the sense that I ca n't make more purchases, but it is not closed in the sense that AMEX still is billing me for something I clearly do not want and they can not show that I ordered ( because I DID N'T order it!!!!! ). 
Please help he with this. AMEX has a complaint case number on this. It is XXXX. 
Thank you.
TransUnion Report # XXXX - XXXX As TransUnion stated XXXX XXXX XXXX XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX Transunion stated Company obtained information from my credit file in connection with account review or other business solutions stated by TransUnion Except insurance companies have access. I did or do not owe any of these companies and these companies was put on in error in which they should not have been or showing in any kind of way after they was removed/deleted by no money owed in any way. My next issue with how transUnion likes to word things that does not apply tom the complaint as if I don't understand my rights. Transunion does not justify the companies listed nor can they furnish any documents or Papers stating or showing I owe or owed any of these companies in which was in error and Transunion has no right to leave them on my credit file. I'm not trying to hear only I can see it or an Insurance company can view it. My consumer rights have been violated by transunion. Futher more the companies need to be Deleted/removed.
I have not been able to use my RUSH card for emergency situations sch as traveling to see my kids and also pay bills. I think it is flat wrong to be hung up on by service reps, and lied to at every turn. I need to get my money out of this system ASAP
I am disputing the XXXX hard inquiries that are on my Equifax credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX ( XXXX XXXX ) I have sent XXXX letters to Equifax to dispute these hard inquiries and they have done nothing yet to correct the issue.
Capital one hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect {$700.00} the was discharged but capital one kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote capital one and know capital one is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX. I never had a account with XXXX or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by capital one to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess. There is a file XXXX # XXXX I never opened new account with this company I called and Capital one once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old. Thanks you for your time XXXX XXXX
We have a primary home loan from XXXX located on XXXX XXXX in XXXX XXXX California. The loan balance of {$66000.00}. Also, we have a Home Equity loan from Bank of America. XXXX is trying to refinance our loan on our home, and Bank of America is not allowing them to refinance the loan of {$66000.00}, because they are not releasing the subordination. I have been a loyal customer of Bank of America since XX/XX/XXXX. All my family members have accounts at Bank of America and I have also a business account. We have also the rental property and my XXXX property with total equity of over XXXX. 

The refinancing will save us {$1000.00} in monthly Mortgage every month, which I can use to pay our debt. 

I made a written appeal to Bank of America, Subordination Department. However, they did not respond to my appeal. 

My husband is XXXX years XXXX. He underwent XXXX XX/XX/XXXX. Refusal by your bank to allow refinancing has affected his health and he is in distress. According to federal Government rules, people should be permitted to refinance the mortgage. 

I would like to ask request to help in this matter. 
Thanks, XXXX XXXX
PROCOLLECT , INC  XXXX   XXXX   XXXX    XXXX   /   XXXX    XXXX   XXXX ,    2014  {$1600.00} -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  This company is reporting a disputed debt on my credit report. I have previously contacted the company and requested verification and validation of debt per my right under the FDCPA secti on 809 ( a ) and ( b ) this com pany refuses to provide. I do not owe this debt! I am demanding proof be sent to me via email  XXXX  XXXX  XXXX . The last  XXXX  of my SSN are  XXXX . Also this company must have a surety bond to collect in my state. I am aware I can file a civil lawsuit and see actual and statutory damages from you and your client. It is a violation of the FCRA to reported a debt on my credit report and not flag it as dispute.
The credit card was charged additional fees after being paid off. Ive called several time to receive an explanation for the XXXX plus charge. I havent been able to receive any answers
I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly South Carolina XXXX Loans # XXXX which were well over XXXX years old. South Carolina XXXX Loans then sold these same 3 loans to XXXX XXXX XXXXXXXX. These 3 loans need to be removed too as they are the same debt. Selling the same loan over and over to destroys my credit and is against the law to do. Equifax has all 3 XXXX XXXX XXXX still on my report last dated XXXX/XXXX/XXXX which XXXX has sold to them and need to be removed. I have previously asked that they be removed. We were warned by the refinance agencies that Equifax would be difficult to deal with and they were right. 
I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues. XXXX and XXXX had the decency to remove them. Why has n't Equifax done so? 
Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly.
This week, I have found SW Credit Systems reporting a collection on my credit report. The reports indicate that they were assigned the account on XX/XX/2018, and that it was reported to the credit bureaus on XX/XX/2018. There are two issues with this account - 1 ) I never received a notice in the mail about this debt. 
2 ) Even if I had received a notice, the timeframe between XXXX XXXX XXXX receiving the account and when it was reported would not have left enough time for me to dispute the debt.
We were just denied a do-able refi because the credit reports showed 2015 delinquencies reported by BOA. We do make payments on a home equity loan to BOA, but have never missed a payment or been late - ever. BOA modified this loan years ago. We can prove BOA received and deposited 12 checks from us in 2015, every month on time, as always. We see no reason for BOA to cause us financial hardship by falsely claiming arrears when there were none. As long as this falsehood is being reported we will never be able to get a lower payment on our home. We are seniors on a fixed income, with provable income, 35 % equity, a history of no late payments - but BOA has ruined our chances to modify our home mortgage. 
.
Hello I would like to submit a complaint against Transunion I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect Transunion has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me
Amazon 's Synchrony Bank calls me more than 4 times a day and leaves a message every time. I am currently on worker 's compensation and only working part time due to having just had XXXX. I had to obtain a lawyer for this. I have expressed this to Synchrony bank and that I will make a payment once a month, although it will only be {$20.00}. I make the {$20.00} payment every month but they continue to call me more than 4 times a day. They have sent me to collections even though I make this payment and now they are threatening legal action. I was unaware I could even be sent to collections if I am making payments. At least I am making payments!
On XXXX XXXX, XXXX I sent a letter to Transunion notifying them of two " unauthorized '' items reporting negatively on my credit report. Unfortunately, I have not received a response. As a result, on XXXX/XXXX/XXXX I followed the dispute request with an additional letter which listed several FCRA regulations which Transunion is in violation. The accounts in question are listed below : XXXX XXXX XXXX XXXX XXXX  Furthermore, during the time the alleged XXXX account was initiated and according to the 'opened ' date XXXX/XXXX/XXXX it would have been impossible for the account to have been opened by myself as I was a minor at the time. I 've attached my drivers license for verification of my age. 

Conclusively, I 'm not responsible for either account and as such have filed a report with the FTC.
RSI Enterprises , Inc is attempting to collect a medical debt ( {$59.00} - XXXX 2011 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is RSI Enterprises , Inc fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.
Midland Funding is reporting inaccurate information on my credit profile ( XXXX, XXXX, and XXXX ). They are reporting a balance of {$750.00} ; however, I satisfied a judgment through payroll garnishment ( last payment being on my XXXX/XXXX/16 pay period ), but the company is still reporting a balance on my credit report. They have been reporting this inaccurate information for over a year now, which is a direct violation of FCRA. By publishing these inaccurate items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Midland Funding failed to ensure that the information furnished to the CRAs was accurate.
A letter from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector conveys in its letter that XXXX XXXX XXXX, XXXX XXXX ( " XXXX '' ) is a servicer. The tort Is that XXXX has XXXX standing to foreclose according to the definition of " creditor '' in the Fair Debt Collection Practices Act ( FDCPA '' ). 
Go to the XXXX Attachment. 
Approximately two weeks later, a XXXX XXXX XXXX from CLAY CHAPMAN IWAMURA PULICE & NERVELL, a debt collector, conveys in a letter that SHE has been retained by XXXX, and XXXX is not listed as a servicer as the First Attachment conveyed, but as a Creditor in the Third Attachment. 
Go to Third Attachment.
I received a copy of my credit reportXX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX  who has reported that there was a late payment XX/XX/XXXX.
1 ) I contacted XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.