WillisBack/dataset-financial-user-claim huggingface dataset:
I rented a property from XXXX XXXX that almost XXXX  me due to XXXX XXXX XXXX.. I contacted the property manager XXXX XXXX and informed them that I had been diagnosed with XXXX XXXX XXXX my family pet XXXX my niece and nephew were also sick and that the XXXX XXXX XXXX cut off the heat due to the flex line leaking carbon monoxide. Immediately the manager XXXX got really mad. I told her there were no carbon monoxide detectors and that I would need a heater due to the heat being shut off because it was supplied with gas. Then they told me they would not and that they wanted me to move because I was causing them a Hassel. We almost went to court but after many documents we came to resolution and there was no debt owed. I have called them and asked them to remove the fraudulent debt and they claim they will continue to ruin my credit in retailation for the costs of fixing the flex line which had nothing to do with me. I have contacted the credit companies as well as the collector that has been trying to collect a debt I do not owe I also sent him the court document showing there was no judgement and the case was dismissed. They have not been willing to take it off my credit and I am homeless due to this false debt that they claim I owe even after I Almsot XXXX and my family pet did XXXX and my niece and nephews were sick due to there inhabitable living rental that they rented me
I paid my bill online with a bank and they showed that they received my payment. However, 30 days later I received notice that they never received my payment. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
XXXX XXXX XXXX ( credit card co ) charge off the account and came back on my credit report as XXXX XXXX XXXX it was charged off twice under 2 names now their back as XXXX XXXX XXXX
On XX/XX/XXXX, I spoke with XXXX XXXX  about the debt in question. I let them know I was going through financial hardship and wanted to setup a payment plan. I was told about the details of the payment plan and the amount necessary to begin it. I did not have the full amount of money available at that time, and told them I would contact them no later thanXX/XX/XXXX to setup the payment. They told me that was fine and that the looked forward to hearing back from me.

Next, I received a phone call on MondayXX/XX/XXXX from XXXX  who said she was representing gatestone at XXXX  telling me that she was contacting me about a debt and to call her back at ext. XXXX. On WednesdayXX/XX/XXXX my brother called me informing me that someone from gatestone called him about me. I did not have time within those 48 hours to contact them back and did so today.

I asked to speak directly to XXXX  who spoke to me originally and was told she was unavailable. At that point, I asked to speak to a supervisor and XXXX XXXX ( sp ) came on the phone. I informed XXXX about my contact with XXXX XXXX regarding the payment plan to which he told me that was past the due date. Additionally, I requested that gatestone no longer contact family members about this debt since they had my direct contact information. He asked for the phone number I wanted not to be called to which I did not want to disclose. At that point, he asked for the number best to reach me while cutting me off on the phone. When I requested that he be respectful to me as I was to him, his response was to tell me to call them back when I'd like to speak about the debt. I did not have time to give him my phone number as he continued to cut me off. At this point in time, I asked to speak to his manager. He forwarded me to someone's voicemail.

Additionally, I asked for him to send me a validation of the debt in writing. He did not acknowledge this request.I do not know if this debt is valid and could not get them to agree to cease contacting family members when they had valid contact information for me.

I do have a recording of this conversation and let XXXX know before starting the conversation that he was being recorded.
This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of  payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX
I 've contacted Experian Credit Agency. I have not received a response from Experian with the original documentation proving this medical bill from XXXX ACCOUNT # XXXX actually belongs to me and should be posted on my credit. I sent a certified letter requesting the original medical records showing I signed for these services on XX/XX/2017 They are reporting this same account and amount owed two separate times on my credit report. I want these negative accounts removed from my experian report for lack of providing original documentation proving it belongs to me.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
I have nothing to do with Midland Credit Management, they bought an old outdated account over 7 years old from XXXX and they have been sending letters after letters to my employer which caused me embarrassed and about to lose my job. Per Fair Credit Report Acts, this account was over 7 years old and need to be removed from my credit profile, I have sent them many requests and they have never response but instead keep sending collection to my employer instead of my home address
I disputed online with TransUnion Account XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was listed on my Transunion report this is not my account. I have had a problem with identity theft so I have alerts set up when something is added to my credit report. I want Transunion to verify this information to which they can not. I want this item deleted from my credit report immediately. I will also be mailing Transunion a dispute letter from my attorney.
TRANSUNION has made an error since XX/XX/XXXX until XX/XX/XXXX by reporting my XXXX XXXX  " 30 '' days late for 5 months now. However its still shows " payed as agreed ''. 

in addtion XXXX and XXXX show current ( see attached ). 

ive contacted TRANSUNION with no success.
I walked into Citizen Bank in XXXX Massachusetts to open a checking account. The assistant Manager XXXX who was helping to open the account interviewed me about other things including whether I had a business or not. When I confirmed I had recently XXXX is like all XXXX broke loose. She could not let me live. She convinced me to open a business and Payroll account, immediately called a XXXX XXXX from XXXX and arranged a meeting a few days after. I explained to XXXX a few days later in the bank premises that it was a new company and did not know whether I needed payroll services or not. XXXX promised to charge me only {$50.00} to process for XXXX employees. I was also asked if I was if I had any retirement arrangements which I said I did not have. They said they will send somebody to sign me up. 
Everything started off well until around XX/XX/XXXX when everything seemed to go very bad. What was supposed to be {$50.00} dollar charge for preparing for me XXXX checks turned out to be very costly. XXXX will take from my account more money than what I was paying my staff and could not understand. I went to the bank to complain to XXXX asking her to stop the payments. She advised me to call them ask them to stop the service. This I did in XX/XX/XXXX but they never stopped going into my account until end of XX/XX/XXXX. In the process they overdrew and caused a lot of charges on my accounts. At one point Citizen bank took money from my Business account and transferred to the Payroll account. 
As for the XXXX, I was signed up ( In all cases I was signing through the signature pads. Only there relying on what I was being told. When I inquired about the fees for the XXXX, is when I realized they were signing me up as a company. The fees was much higher that what my contributions would be. This was an obvious case of misunderstanding, and asked them to cancel immediately. This arrangement was never cancelled and they repeatedly went into my account causing it to overdraw. 

I do not understand the connection between, Citizen Bank and XXXX but was very surprised at how the bank campaigned for them and how unprofessional XXXX handled me. I signed signature pads, therefore relying on what they told me. Turned everything was wrong. The XXXX was worse because I said It was a clear case of misunderstanding and yet they went ahead to try getting money from my account. 
The result is that now I am in collection with both Citizen Bank and XXXX trying to collect money from me. 
At one point I asked XXXX why she was so involved in the XXXX business. Her answer was that she is under a lot of pressure to get to her targets. It was as if all other managers had no targets at all.
Below is what I've submitted to Wells Fargo. I'm trying to close on a house, and this issue is what is holding it up. I was told that the issue would have a resolution on XX/XX/XXXX, and was told on XX/XX/XXXX that now it won't be resolved until XX/XX/XXXX. Over the last few months Ive had many, many issues in regard to my automated online payments. On SaturdayXX/XX/2018 I logged into my Wells Fargo mortgage account to make sure my automated  payment had gone through, or was pending to submit. On this day, I saw no pending amount on either my checking or mortgage accounts, and nothing was listed in my scheduled transactions. I got nervous, as I didnt want for it to be late and forced a payment through. On Monday, XX/XX/XXXX I received notice that I was hitting an overage fee, as there was not enough money in the checking account, because it was trying to push two payments through to my mortgage. I called and went into the bank to put a stop payment on one of the payments so that I would not continue to receive overages. I strongly believe that this was a technical bug since I did not see any pending payments and would have never submitted another payment if I knew it was coming out. After the issue in XX/XX/XXXX, I was told that everything should be fine and to trust the automated payments going forward. I assumed my XX/XX/XXXX payment went through, as I saw it posted on XX/XX/XXXX and confirmed with an agent that it was paid ( you can look through my login history, and call/ticket history ), only to be reversed by Wells Fargo XX/XX/XXXX. I did not receive a letter from Wells Fargo telling me that the payment was late until XX/XX/XXXX, after the 30 day late payment. I have several calls, office visits and emails requesting to ensure that everything was fine with my account, as I didnt want to be overdue. As you can see it happened again in XX/XX/XXXX, even after I had confirmed with your staff that everything looked fine. I am very disappointed and frustrated as I have a paper trail where I have made payments, only to have them reversed, and only to be told by Wells Fargo that everything is fine with the account. We are now looking to have a child and buy a new house closer to family, but our credit scores have been badly damaged by this issue which I strongly believe stems from a Wells Fargo technical glitch, and several Wells Fargo customer service interactions where I was told the issue looked fine and wouldnt happen again.
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. Police report was file with XXXX County Police Report # XXXX.
I settled an old credit card in 2001. This week a law firm and the XXXX XXXX office put a lean on my bank account. When I spoke to A rep from the law firm I informed him my account was settled in 2001. He nor his firm has contacted the XXXX XXXX office to let them know my account was settled almost XXXX years ago. How do I fight against this false claim?
I am not clear as to why there is a balance for this account and why  XXXX  can not give me a clear explanation for this account.
Continues to attempt to collect Zombie debt after the statute of limitations in the state of California. I submitted a formal request asking this debt be removed from my credit report and they did not respond nor did they remove it from my Credit report
I made 2 deposits into my accoount. The first was {$5000.00} and 2nd was {$25000.00}. The deposits were pending but never credited to my account. Coinbase does not respond to any emails or customer support on social media. They have effectively stolen {$30000.00} from me.
XXXX/XXXX/15 -- Due to recent concerns about possible identity theft, I filled out and postal mailed an " Annual Credit Report Request Form '' to Annual Credit Report Request Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX. Due to the language on the form, I included photo copies of my valid XXXX Driver 's License and Social Security Card. 
XXXX/XXXX/15 -- To date still have not received a report from Equifax. My understanding of the " The Fair and Accurate Credit Transactions ( FACT ) Act '' states I ought to be entitled to a copy of my annual credit report from Equifax. The other XXXX companies, XXXX and XXXX were professional in their respective responses. 
Several phone calls into Equifax have been unsuccessful.
I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as XXXX XXXX. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.
The XXXX XXXX XXXX contacted me months ago regards to a so called debt from XXXX, and I responded, explaining the debt incurred after I was evicted/moved out. 
Also, on a separate note the same case went to court, and was settled. I've attached except of the settlement & court proceedings for your perusal. I was strongly advise by my attorney to file this complain. 

I am forwarding this complain cause the agency still listed said account on my credit file on XX/XX/2018. 

Displaying the below information. 

You've paid off 0 % of your collection. 
Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Equifax continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.
Approximate on XX/XX/XXXX, I did an online inquiry with Transunion concerning my credit report. As of today, XX/XX/2018, I have not receive an answer. It has been over 30 days ( business and calendar ). My case number is XXXX. 

Also, I was charge for a monitoring program on XX/XX/2018, ( XXXX ) that I ask them to stop it in XX/XX/XXXX. I would like for them to look into that situation and verify has that been done..
My wife and I are attempting to purchase a home. During the pre-qualification process in early   XXXX  2017   , we were notified on a collection on my  XXXX  credit report. I contact  XXXX  and initiated a dispute as well as contacting the collection agency  (  Aspen National Collections ). I was informed the process would take 30 days. I contacted the collection again in early   XXXX    2017  and was told the debt was discharged and my credit report would be cleared by  XXXX   XXXX  on   XXXX   XXXX  2017   . I contacted Aspen National Collections again on    XX/XX/XXXX    and was told by  XXXX   XXXX  that the debt was still owed. No one will send me any paperwork on the debt as to why, how or when it was incurred. After contacting the original creditor (   XXXX   XXXX     ), I have discovered this debt belonged to my deceased mother,   XXXX   XXXX   It was for maintenance fees on a time share she had once owned. I never agreed to any purchase by   XXXX   XXXX   for any time share. I need to get this issue revolved as to not affect the purchase of our new home.
I refinanced my home in XXXX 2016 with XXXX XXXX which paid off the old mtg. co. Round Point Servicing for XXXX XXXX XXXX. The old company in turn after closing has decided to continue paying random things and charging me, example homeowners ins and mtg ins, late fees and interest. When in fact they owe me as near as I can calculate {$890.00} escrow. They should not and are not authorized to do any of such as when they received the pay off all transactions on my behalf should have ceased. After 2 months of no answers & even hung up on me today. The mtg co is not returning my calls and the servicing corp hanging up. This is clearly going nowhere fast. I did receive an ins refund check & offered to pay premiums minus the escrow leaving me owing around XXXX not XXXX. They fail to provide proof of what is exactly happening and do n't seem to understand the severity of their wrongful actions. My understanding is that it is there problem to get a refund from the homeowners insurance as they never should have paid.
XXXX XXXX XXXX XXXX has given place a address on my account linking me identity to someone else in their database. 
I have copies of when I paid my account and this very different address comes to my email stating that this is my personal information. 
I have never lived here and Bridgecrest has made this mistake. 
I have proof that this was a continuous problem that Bridgecrest never updated their database mixing accounts together. 
I know Bridgecrest would tell me about their system was down and having problems taking payments and sending out reminders and confirmations to customers in the past. 
But never not one letter stating that there was a data breach and offering any resolutions to resolve this identity problem about my account.
My husband and I bought a XXXX XXXX XXXX from XXXX XXXX which was financed by Wells fargo, fast forward back to this year the truck started having major issues and we were denied inspection approval until they were resolved, so we decided that we would try and trade in it towards another vehicle only to find out that the vehicle had structural damage, we did not get a car fax when asked for it they said bank had requested it and it was sent not sure how true that is thinking about it now. Since then we tried contacting dealership which is now closed down due to fraud, so we contacted Wells Fargo and told them that we can't use the vehicle and that in fairness they should come and get it and consider our balance on vehicle null and void. They did came and got vehicle however they sent us a notice of plan to sell property saying that because we broke our promises in our agreement they are holding a private auction to see vehicle and if sold for less than balance, then we owe them for the difference. If you were provided a car fax why would u pay for something that's permanently damaged and have us paying for it knowing eventually it will break down.
Received a settlement letter XX/XX/XXXX for a balance owed from XXXX XXXX of {$650.00}. I settled for {$320.00} on 10/23. XXXX XXXX still has not provided the Settled in full letter honoring the settlement.
I have a Walmart MasterCard. I use it for promotional " no interest '' purchases. My card member agreement and statement say " If your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available ''. I had a promotional balance of {$77.00} expiring on XX/XX/XXXX. I contacted customer service via chat ( see enclosed screenshot of chat # 1 ) onXX/XX/XXXX to inquire about having my XX/XX/XXXXpayment due XX/XX/XXXX credited to the promotional balance. I was told by XXXX XXXX " ... if you pay {$77.00} the entire amount will be credited to the promo expiring on XX/XX/XXXX ''. I made said payment and it was not allocated as promised. {$54.00} was allocated to the expiring promotion and the excess was allocated elsewhere. On XX/XX/XXXX I chatted with XXXX XXXX about the error ( see chat # 2 ). I was told that the account was being correct and the promotional balance expiring on XX/XX/XXXXwas now paid off in addition to the promotional balance expiringXX/XX/XXXX. My XX/XX/XXXX statement appears correct. After my XX/XX/XXXX statement printed my account was altered to add balances back to the promotional balance that were paid off. I chatted again on XX/XX/XXXX with XX/XX/XXXX( see attached chat # 3 ) At that time I was being charged interest on a promotion purchase that was made XX/XX/XXXXfor which I have a receipt showing that a promotional certificate was used. XXXX said that was correct and the billing was corrected to properly show the promotional balances expiring XX/XX/XXXXonXX/XX/XXXX were paid off. When my XX/XX/XXXX statement arrives everything seems correct. I get myXX/XX/XXXXstatement and it shows me being charged {$3.00} interest. I chat again with a supervisor who says that this is a mistake and he is correcting it. I also request that {$58.00} of the {$83.00} payment made in XX/XX/XXXX be allocated to the promotional balance expiring on XX/XX/XXXX. He say it is done. When myXX/XX/XXXX statement arrives I am still being charged interest, the payment was not allocated correctly and onXX/XX/XXXX someone created a promotional purchase onXX/XX/XXXX expiring onXX/XX/XXXX that never existed and placed it on my account with a balance due of {$99.00}. To be clear there was never a purchase made on XX/XX/XXXX. There was a purchase made on XX/XX/XXXXbut that promotional purchase was paid off in XX/XX/XXXX. I have been charged more interest as well. I am caught in a viscious cycle that XXXX XXXX  will not correct.
NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX XXXX, GA XXXX Is reporting and unknown debt of {$4500.00} wolfcreek appartments to all 3 major credit bureaus in an attempt to collect a debt. I didn't receive any 30 day notification to of debt collection prior to reporting it in order to dispute it according to my rights under the FDCPA. Debt Collection Agencies are required to notify me by mail at a current address 30 prior to validating the debt. This is not and acknowledgment of this unknown debt collection.