WillisBack/dataset-financial-user-claim huggingface dataset:
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is TD Auto Finance. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Found a credit card debt I don't recognized from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX   in the amount of {$670.00}. Seen reported on XXXX, XXXX and XXXX. Creditor information : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
I originally had an account with XXXX that has been paid in full. I have documentation show that the account has been paid in full. XXXX is also reporting a {$0.00} balance. This company named XXXX XXXX XXXX is somehow reported that I owe them {$54.00}. I have requested this be removed from my credit report. XXXX XXXX XXXX has refused to do so. I have made several attempts to contact the company, but no one has responded to my letters, phone calls, and emails. Please have them remove this inaccurate information from my credit report. XXXX XXXX XXXX responded stating that they received payments from me. I never made any payments to XXXX XXXX XXXX. All of my payments were to XXXX the original creditor. I have documentation to prove my payments and that the account has a {$0.00} balance.
I recently seperated from my husband of 30 yrs. I had to travel for business for extended time. For this reason i told my husband he could stay in the home with my school age daughter ( mortgage is in my name ) until XX/XX/XXXX in order to save money for a new home. I was to be returning to the area in late XX/XX/XXXX. I had chosen to do a short term rental until XX/XX/XXXX as discussed. I viewed many properities on XXXX XXXX as they are furnished rentals. I saw a property on XXXX then again on XXXX. I contacted the owner via XXXX email. I signed a lease and was requested to pay {$500.00} refundable deposit as well as the first month in advance. I was to move in on XX/XX/XXXX. I did extensive research on the property to all good reviews. I was unable to view the property was i stated above i was out of town for business. On XX/XX/XXXX I reached out to ask where the key would be placed on XX/XX/XXXX no response. I proceeded to email multiple times on XX/XX/XXXX no response. I searched online found a contact phone number contacted them several times on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX early morning I was contacted by the actual owner of the property. Apparently, this had happened to her before. Someone ( network of people ) as I am sure you are aware steal the real owners ad post it and rent the property they do not own. I have contacted my bank they are attempting to retrieve my money but they said that is not going to happen. I filed the police report who advised i should contact you.The scam is still going on the property I rented is advertised on XXXX i have notified them and it appears initial ad was shutdown and new ad posted. I also viewed many homes on XXXX that are being advertised on XXXX i posed as a renter and same exact response as with my situation. I have the following information. The " owner '' is XXXX XXXX home address ( which is another rental property ) XXXX XXXX XXXX XXXX XXXX, VA. The Banking Info Wells Fargo Routing # XXXX Account Number XXXX, Bank Address XXXX XXXX XXXX XXXX VA XXXX, The actual owner of the property XXXX XXXX which the address is XXXX XXXX XXXX XXXX XXXX, VA XXXX. I had to quickly find another property to move into which i had to borrow that money from a friend so that i could have a home for my daughter to stay with me. With theh holidays quickly approaching i wanted to get moved in and as comfortable as i could to assist with this HUGE transition. I think that is what makes me more ANGRY then anything. My daughter who is only XXXX again my husand and I were married over 30 yrs and due to continued XXXX XXXX i finally had the nerve to leave and this is what happens when i try! Anything that you could do to assist not only myself but prevent this from happening from someone else i would GREATLY appreciate it. I also contacted my homeowners policy and was advised since I made the transfer they did not fraudently access my account i would not be eligible to be reimbursed the $ XXXX that my policy allows for.
I moved out of XXXX XXXX XX/XX/2012. I moved into my new home XX/XX/2012 and I was ordered by court to pay backrent at XXXX in the amount of {$1300.00}. ( see attached court document from my credit report ) My debt was sold by XXXX or XXXX XXXX to National Credit Systems ( as it appears on my credit report ) or XXXX XXXX XXXX at a new amount of {$2500.00}. ( see attached document from XXXX XXXX ). I 've contacted National Credit Systems and XXXX XXXX over 20 times trying to get in contact with the original owner of this debt to find out how this debt increased. XXXX and XXXX claimed they could not make contact with their client and I do n't believe they ever did. I asked for the client 's name and address ( as XXXX XXXX no longer owns XXXX ) and after months, XXXX XXXX could not provide this information. The only information XXXX XXXX could provide was the attached documents. I also requested that documentation be sent to me showing how the amount increased from {$1300.00} to {$2500.00} but they could not prove that either. They can not tell me the months being charged or the interest rate. I know that I moved from the property and can provide documentation of the new address and the time that I moved to the new location. These companies have placed an illegal debt amount on my credit creport and need to remove it instantly. Again, XXXX charged me a bogus amount of back rent after I settled with them in court and vacated the property. The " supported '' document provided by XXXX XXXX shows a letter sent to the apartment or some location that I never received since I had already settled in court and relocated. XXXX XXXX has thretened me with a law suit for this matter and has not offered a settlement amount, nor provided the name of the client that owns this debt. I do not owe this debt amount and none of the parties can prove " how '' I do.
On XX/XX/2018 BMW Financial Services reported to XXXX  that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.
This company has repeatedly called my cell phone and place of business. I have asked them to not call my work and to also send me in writing a letter about what they want. They refuse to give me any information unless I verify the last XXXX of my ss number. I have no idea who is on the phone and would like something in writing which they refuse to send. They continue to say that they are going to serve me with " notice '' and say that they will be by my house to which they never show up. They call everyday and I am so frustrated with them, if I owe a debt why do they refuse to send me anything in the mail and why do they not show up to serve me my legal documents when they say they are.
I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but XXXX told us we lost the dispute. XXXX sent my business 's debt to collection and both the debt collector and XXXX informed me that the debt was to me personally, not my business. Both told me that although I have a business XXXX account, somehow XXXX circumvents this. Neither were able to tell me legally how this is possible or where in the XXXX user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.
Threatened me to take legal action against me if i do n't call back within the same day. The message also said to make sure i had an attorney, and to send that information to him or he was going to do something that is going to impact me. He also made himself to sound as an attorney, and said that there were some papers on his desk and that if i did n't have an attorney he recommended me to get one.
On XX/XX/2018 i received notification of a hard pull from a company I have no relations with or authorized to use my information.
XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous ReptgXXXX Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive Ally Finan I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
I am currently XXXX and being supported. I got behind on my payments and called on XX/XX/2019 to see what could be done in order to lower my payments so that I could not get further behind on my loans. I gave them all my financial details and told them how much I could afford to pay. They determined that I could afford more and so told me what the " lowest '' possible payments could be ( enough though it was beyond what I could actually afford ). I sacrificed making other bill payments and also sacrificed groceries in order to come up with the payments that they are expecting me to make. I gave them my banking details and agreed to {$130.00} payments. I get a phone call today ( XX/XX/2019 ) AFTER my first payment was made ( XX/XX/2019 ) and was told that their representative gave me the wrong information ( interest rate ) and that I needed to pay MORE ( higher interest rate ) if I wanted to be accepted into the reduced payment plan.
I was a victim of Identity Theft this summer. I thought it was over in XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had 4 new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!
On my credit report search, came up with unknown debt notice from weird amount. So called debt collect agency. They said it's one part of bill that related 2015 XXXX. Agency said there is possibility the hospital found out later and just sent to debt collector because it's too old. I paid right off but history remain in my credit report. Never received any bill or information related this service and charge.
On XXXX/XXXX/15 NationStar sold our XXXX loan. They will not tell me anything about it. I just saw in my online account there was a non cash adjustment for the amount of the loan. I tried to make a payment and I ca n't. They wo n't tell me even why I ca n't make a payment. My son an accountant told me it was sold. It was sold on XXXX/XXXX/15. I have no information as to who bought the loan and where I need to make a payment. This account has been frozen by Nationstar due to them buying it from XXXX XXXX XXXX and not getting the modification papers. I sent them 4 times. Someone finally found them so I know they had them. They sent back payments when we tried to pay the loan payment. The said to make a payment XXXX XXXX. We tried and they would n't take a payment. Now I find out why, they do n't have the loan to pay. ( I have a letter from Nationstar telling us to make the XXXX XXXX 2015 payment ) I need to know who has the loan and where to send payment.
While I was incarcerated between XXXX my neighbor deceided to steal XXXX from my TD checking account The check dated XXXX/XXXXXX/XX/XXXX was written to XXXX XXXX and signed by ( me ) XXXX XXXX ( and was cashed in her XXXX XXXX account ) But I could not have signed I was in jail and XXXX did not have a power of attorney. 
I reported this to TD Bank when I was paroled, and in XXXX 2014 I contacted TD to obtain a copy of this check I never gave XXXX permission to do this. 
TD refuses to prosecute XXXX and return the money, there response was " I had 30 days to make an inquiry or lose it '' TD was shown proof that I could not have known, but I have a letter from Investigator XXXX stating this. 
So I 'm out of the money
We accidentally overpaid our Discover bill by approximately {$15000.00}. We called more than a week ago and we were assured that a check would be sent to us in a day. After not receiving the check after about a week, we called and spoke with a customer service representation who assured us that the check had been mailed " that day ''. We doubted the veracity of this claim and asked to speak with a supervisor who said the check had not been mailed ( admitted that they had lied to us on two occasions ), and the could n't tell us when we could expect a refund.
Dear CFPB, I am submitting a 3rd request for deletion and removal of bankrupticies on my credit report from the following. 
XXXX XXXX Nevada XXXX Alabama Due to the follwing reasons i have researched and contacted the FCRA to get involved. My findings are as followed. 
1. There are no accounts on my credit report that shows ( Included in Bankruptcy ). 
2. I have no negative reporting accounts on my credit file.

3. There has to be creditors to include in Bankruptcy. I have none.

4. I called both courts and they advised they do not give out information to 3rd parties. 
4. Bankrupties were verified thru 3rd party XXXX XXXX. 
5. How can you report inaccurate information, where are the creditors that were included in both bankruptcy? 
There is nothing on my credit reports that shows proof of any accounts included in Bankruptcy. I demand immediate removal of these fraudulent public reports from my credit file. Where is the proof other than my name, ss # that was given. 
***There are no accounts on my credit report to support this information is accurate. ***********************
On XX/XX/XXXX We made a payment as always to our mortgage company SWBC Mortgage who is also sister companies with XXXX XXXX. The agent received all of our information and " applied '' the amount to our loan. Couple of months go by and we start receiving foreclosure letters on a missing payment from XXXX. We fax in bank statements showing the amount was drafted from our account only for them to tell us it is not sufficient, they then start asking for a transmit XXXX form from our XXXX XXXX which our bank says they do not have or ever provide. After speaking to numerous agents and managers they are unable to help us and they do not know where the payment went, they open numerous cases and keep telling us they will reach back out to us. It is now XX/XX/XXXX we had to resubmit the payment for XXXX payment of XXXX and still have not received a refund or any word on what happened to XXXX payment. Nobody is able to help us the payment was apparently applied to the wrong loan and they know the mistake was their fault but they have not refunded our money nor stopped any foreclosure notices!
I took out a payday loan with XXXX in XXXX NV. in XX/XX/XXXX and have been unable to pay it back. It is now on my credit report in collections. XXXX continues to run hard inquiries on my credit even though I have asked them twice not to do so. I personally spoke to an employee named XXXX ( last name refused ) and asked him not to run any hard inquiries. He said they had right to do so because they just wanted their money. I told him he was wrong because I was not applying for a new loan, it's an old unpaid loan. I was notified by XXXX  XXXX that another hard inquire was done today XX/XX/XXXX. This makes four hard inquiries since my unpaid loan went to collections and on my credit report. They will not stop.
I receive multiple phone calls and  text messages over the past three months from an organization calling itself the " Student Loan Help Center '',  which apparently is based either in southern California or Florida.     I have repeatedly told this company that   : 1 ) I did not request any information from them 2 ) My phone number is on the Federal Do Not Call List 3 ) That I wish to be removed from all future communications.
Despite this, I continue to receive robocalls and SMS messages.
I do not have a business relationship with this company ; not do I want to have a business relationship with this company.
I have verified that my phone number is and has been current on the DNC List. I have filed complaints with the FCC, the U.S. Department of Education, the CA Attorney General 's office ( where I reside ), and the FL Attorney General 's office ( which may be where this organization is headquartered. I have also informed my Member of Congress of this issue.
I have asked to speak to the organizations General Counsel to   file a formal complaint ; at which point the person hangs up the phone.     I believe that this is the website of the company that calls me : http : //thestudentloanhelpcenter.com/ I block the phone number each time, but they always call from a different number.  On one call,  the voice recording said that the phone call was made using  XXXX   XXXX , a  VOIP  provider.
every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at XXXX.
A man came to my grandmothers residence yesterday and asked for me. He said he had papers to serve me. MY grandmother told him I was working. After getting the call from my grandmother at work about this, I did n't quite understand because I have no debts. out there. Then a couple hours later the man called my cell phone twice. I answered the second time and he just kept asking for me but I did n't admit that I was who I was on the phone so he hung up. I googled the phone number he called from and there is a website that came up that state its XXXX I then XXXX the address listed so I could go there and try to figure out what this paper work being served to me was about. I go to the address and its a XXXX shipping store.. I called the phone number about 4 times before driving there and no answer. XXXX. After going home my grandmother said the man came again to her residence at XXXX at night and asked for me again. She finally told him that he was driving me crazy because I do not have any debt out there but she will take the paper work so I could be informed what this was about. So I drive over there and read the letter and it states that our local hospital here is taking me to court for not paying a {$600.00} bill from XXXX XXXX years ago. I live in South Dakota by the way. This sounds like a complete scam. Because XXXX XXXX years ago I was XXXX XXXX XXXX I did n't have any hospital bills from back then. Everything is just fishy with this.
Citibank continues its deceptive marketing practices despite the Consumer Financial Protection Bureau 's ( CFPB ) order last year in which Citibank and its subsidiaries were required to pay {$700.00} XXXX in consumer relief for illegal practices related to credit card add-on products and services. Citibank has repeatedly sent deceptive marketing mail to BOTH my personal physical and email addresses with explicitly stated offers of my eligibility for bonuses of XXXX XXXX miles with its AAdvantage credit card. I accepted Citibank 's offer and signed up for the AAdvantage credit card, but then Citibank refused to provide the airline miles that it explicitly told me ( in email and in physical mail ) that I was eligible for. Citibank 's failure to uphold its end of the contract has caused me great harm in that Citibank looked into my credit history under false pretenses and negatively affected my credit report in doing so. I never would have allowed Citibank to look into my credit history, and I never would have given Citibank my personal information, if I had known that the company would refuse to provide me with the airline miles it explicitly told me that I was eligible for. Citibank completely failed to uphold its end of the bargain/contract based on the offer it emailed and mailed to me and my acceptance of that offer. Citibank continues to regularly engage in deceptive marketing practices that harms millions of consumers. SEPARATELY AND ADDITIONALLY, Citibank has sent me notices about the benefits of enrolling in its fraud-alert services. The CFPB found that Citibank falsely claims the fraud-alert services would notify customers of fraudulent purchases. Instead, the monitoring only provided alerts to changes in customer credit files maintained by major credit-reporting firms. Despite the CFPB 's findings, Citibank keeps emailing me and mailing me, to my personal address, vague and leading offers of credit card add-on services which state they have a " free 30-day trial '' but in fact charge customers immediately upon enrollment. Citibank CONTINUES its deceptive marketing practices that affect millions of consumers. The CFPB and the Federal Trade Commission should investigate Citibank 's ongoing and continuous pattern of deceptive marketing that is harming millions of consumers and take swift action against the company to prevent future harm to consumers.
I received an unsolicited credit card from Ignite. My understanding is that this is an illegal practice.
I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past 2 years with this company and they refuse to honor my requests. This agency increases the best by a dollar each week to ruin my credit when I have contacted them several times to remove this debt. 

They have conducted in a unprofessional manner and illegally collecting on a debt and increasing that debt twice a week to damage the debtors credit.
I called Gateway One Lending and Finance at  XXXX  to payoff my car loan and they wouldn't take my payment.  I pay online and they wouldn't take that payment either.      They don't have a way to process the closing in the same manner that I was instructed to make payments and find this feels like a usury situation as they are forcing me to stay in the loan and pay interest that I would like to pay off.    I contacted the company and they said they couldn't help.