WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, Professional Bureau of Collections of Maryland contacted my  husband and tried very hard to convince him that this was my student loan debt. My husband knows we are timely with all of our payments and did not believe them and told them I would call them back. When I called them back, they could not verify the account number given to my husband, they could only verify his phone number called ( red flag # 1 ). I explained to the lady that this was not my loan as I consolidated years ago, she proceeded to tell me that loans fall through the cracks and I needed to pay ( red flag # 2 ). I told her flat out this is not my loan and that she is committing fraud. She asked me to verify my social, I refused, she gave me my social ( red flag # 3 ), she asked me to verify my address, I refused, she verified my address ( red flag # 4 ). I asked her for proof that this loan was mine, she asked me for my email and I refused. I told her she has my address she can mail it to me. This has caused me so much stress. I thought this would be the end of the situation, but on XX/XX/XXXX, I received a collections letter ( in my maiden name ) stating an account balance of {$9900.00} with the Original Creditor as XXXX XXXX XXXX. I have never banked with XXXX XXXX XXXX or pulled loans from them. This debt is not mine, I regularly check my credit report and have never seen this debt. I also confirmed by checking the National Student Loan database and it is not listed. I receive numerous calls daily, which I do not answer, please help resolve this fraudulent debt and have them stop harassing me and my husband. Thank you.
After my loan was transfer to my new lender. I did applied for a modification to obtain an affordable interest rate, consequently a better payment. After a long journey of sending documents and contacting the bank. My lender approve a modification with a successfully 3 trial payments. I received the final modification with no change of interest rate and a higher payment. much higher than before the modification, plus the term of loan has been extended for more years and increase of payment. Now the lender said is the best I can do take or face foreclosure.
To whom  it may con cern I am having an ongoing problem with Transunion since the begining of  XXXX   2017  where they refuse to remove collections off my Credit Report it is prevrnting me to establish new credit it has become frustrating to deal with each time i dispute with Transunion they continue to reply that its factual i am suffering the cause for whats not mine i am a victim of identity theft i send certified mail on  XXXX     XXXX    2017    they revieve mail on  XXXX   XXXX   2017 . I call numerous time i dispute online say reply factual.   XXXX  The Collection as follow :  XXXX   XXXX  {$560.00}   XXXX   XXXX    {$1400.00} Hard Inquirie   XXXX   XXXX
The lender is not posting to the credit bureau my 4 consecutive payment. 
The credit bureau still saying that no payment has been made. 

XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account ID : XXXX
XXXX XXXX, by and through its current collection agency, ERS, will not respond to my requests for documentation to prove the amounts owed on loans which have - largely and likely - been paid. Every time I ask XXXX XXXX for information, they simply change collection agencies and the process begins all over again. I have requested very specific information and have requested communications in writing ( since prior discussions and promises are unrecorded and unenforceable - in addition, there is no recording of tone or threats of the collection agents ) and have received NOTHING. However, recently, ERS has continued to report negative information on my credit report resulting in a XXXX point drop to my FICO score. 
Specifically, the information that has been requested in evidence of receipt of a payment made on my student loans in the amount of ( approx. ) {$19000.00} which has not been credited towards any amount owed. I have also requested evidence of authorization and/or ownership of the loan so I can determine whether or not the ( now ) XXXX agency handling my account has to proper authority and, in addition, I seek clarification of who owns the loans. It appears to continue to be XXXX XXXX, but they have failed to credit the near {$20000.00} they received on my loan. In short, they are seeking double recovery. 
Each time a new collections agency is involved, I get a letter requesting written confirmation if a dispute is being made as to the amounts owed. Each time I dispute the debt in writing and request information, my requests are ignored. 
The prior agency, XXXX XXXX, simply walked away from their efforts. The new agency, ERS, is choosing not to communicate with me, but simply engage in negative reporting on my credit. This complaint is linked to XXXX other complaints - all against the same efforts and same " owner '' ( I think ) - XXXX XXXX and its collection agency of the day.
To whom this may concern, I am worried that either through identity theft or inappropriate account management a number of unauthorized Wells Fargo & Company accounts may have been opened without my permission. 

I kindly ask that Wells Fargo & Company provide me with all of the current and former account numbers opened using my personal information and the signed contracts / deposit agreements authorizing the opening of those accounts. 

Sincerely Yours,
In XXXX on XXXX XXXX, we were evicted from our home. My Partner died on XXXX, XXXX, we all lived together. On my credit report they are charging me twice as much and Magistrate Court said we owe them less. I only want to pay my percentage, I 'm having a lot of difficulty renting and /or buying a home. Please help me.
I have been continuously been disputing a Bankruptcy that's on my Transunion that does not belong furthermore, I have contacted the Executive Office of XXXX XXXX because Transunion is rude and doesn't follow thru with my Investigation. I have disputed it and it doesn't belong and they still haven't removed it stating it was Verified. I asked for method of Verification and they have failed to provide me. If it was Verified from who? When? I doubt it was verified because it was already deleted off my Public Record from XXXX ( See Attached ). Further, effective XX/XX/2017 a Public Record has to includes my name, Date of Birth, and Full Social Security number thru XXXX in which it does not. I have already sent a Email to CEO and contacted my Lawyer who states Transunion is not in compliance and have violated plenty rights as a Consumer and this is my last step before I follow a Federal Lawsuit against Transunion and XXXX XXXX. Please remove Bankruptcy within 30 Days to avoid Legal Action
I was applying for an installment loan online on XX/XX/2018 and called to speak to a rep. The loan was {$3200.00} and the payments were going to be about {$430.00} a month. I told the rep I could not afford the large payment amount and asked if they had a smaller loan. The rep said no but said they could give me a 50 % discount and said that someone would contact me to apply it. So I went ahead and processed the loan with that in mind. With a 50 % discount that would knock off a lot of interest and lower the payment. Well that's what I thought. Then no one ever contacted me to apply the discount, so I called the company about a week later and they said no, it's not a discount, it's a rebate after you pay the loan off. This was very misleading and I would not have signed up for the loan if I knew it was a rebate and not a discount because as I said to the rep I could not afford these high payments. The rep never said the words rebate. Rebate would have signified to me that I would get money back after the loan is paid off. But she said discount. Now the company is saying they can not give me the discount and I have to pay off the loan to get the rebate later. I was misled to apply for a loan that would offer a 50 % discount. This was faulty marketing to get me to sign up. The rep knew I could not afford the payment as is. Not even with the rebate which she never mentioned.
On XX/XX/2018 I did submit a compliant ID # XXXX-XXXX via Consumer Financial Protection Bureau because of Credit reporting Incorrect information on your report on XXXX  showing the account with current past due balance and open with 11 current missing payments on my FirstBank Account # XXXX. The correct account Status : Account Closed on XX/XX/2018 Payoff Balance ( attached letter of Payoff of FirstBank ) I did dispute the wrong information on my credit report with XXXX, on the others credit report agency has no problem, the information is correct. 

I did make two disputes with XXXX. 

- XXXX Confirmation Number : XXXX - XXXX  Confirmation Number : XXXX On both disputes, the resolution of XXXX was that FirstBank indicated that the information on my credit report was correctly, leaving the account on my credit report with incorrect information about account status ( Open, with Current Past Due Balance, etc ) As no resolution from XXXX and/or FirstBank I did submit the compliant ID # XXXX-XXXX via Consumer Financial Protection Bureau with FirstBank and XXXX  because on my XXXX report indicated that my Leasing-Auto Loan with First Bank show a status of Open Account with current Past Due Balance of 11 missing payment late more than 120 days. 

On XX/XX/2018 - FirstBank answered the compliant with information reported incorrectly on my credit report. Account : XXXX. FirstBank request update information on XXXX as informed by creditor First Bank to XXXX  via XXXX XXXX XXXX XXXX control # XXXX Submitted on XX/XX/2018. XXXX SC : XXXX ( attached evidence ) After that XXXX  corrected the information as of XX/XX/2018 on my credit report ( attached evidence ) with the following information. 

FirstBank Closed Account Between XX/XX/2018 and XX/XX/2018, your FIRST BANK automotive account appears to have been closed. Between XX/XX/2018 and XX/XX/2018, your FIRST BANK automotive account balance decreased by {$11000.00} from {$11000.00} to {$0.00}. 
Lenders like to see that you have experience successfully managing your credit. Closing an account could affect your average age of credit history. Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. 

On XX/XX/2018 I did receive an alert on my credit report of XXXX  indicating the following changes : Account status- Open Account ( Re-open ) FirstBank- Balance Increased by $ XXXX Between XX/XX/2018 and XX/XX/2018, your FIRST BANK automotive account balance increased by {$11000.00} from {$0.00} to {$11000.00}. 
It looks like your balance went up. This could be the result of a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 

I did call XXXX  on XX/XX/2018 and the rep opened another ( 3rd one ) dispute # XXXX because XXXX  indicates that FirstBank is reporting the account Open, Past Due and with current Missing Payments ). I have no issue with the other credit report agencies, it is only with XXXX  and this account of FirstBank impacting negative my credit score/history on my credit report.
Contacted Credco previously about XXXX XXXX XXXX checking my credit twice without consent of the times on this day XX/XX/18. It was removed from XXXX  but not the others. I was also told at the time of the first inquiry on XX/XX/2018 it would a soft check it was not. 
Why isn't my mortgage on my credit report.
I have disputed the student loan XXXX XXXX XXXX XXXX XXXX account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
I submitted a disputed to transunion for several inquiries previously removed from report but added back without 5 day notice as required by law also several accounts show in correct or incomplete information listed below The account listed shows derogatory but also status status unknown no historical payment history XXXX balance this is conflicting information previously removed durning a credit dispute added back with no notice to consumet 1/ XXXX  XXXX 2/XXXX  XXXX # XXXX 3/ XXXX XXXXXXXX # XXXX 4/XXXX XXXX  # XXXX 5/ XXXX XXXXXXXX # XXXX 6/XXXX XXXXXXXX # XXXX 7/XXXX # XXXX The following account show as in dispute however Im not of dispute of these accounts 1/XXXX remove dispute comments in all accounts for this creditor Lastly the following inquiries were previously removed now added back without a 5 day notice XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
On XX/XX/2018, I applied for the Amex Everyday Credit Card online on americanexpress.com. Prior to applying i reviewed the offer online along with it its terms, conditions and limitations. The promotional offer for new members on purchases and balance transfers was 0 % apr for 15 months with 0 % balance transfer transaction fee. This was a good offer since I wanted to do a balance transfer of {$15000.00}. I applied and was approved for the card with a credit limit of {$25000.00}. 

I called in to take advantage of the Balance transfer offer. I was then told by a representative that there is a limit on the balance transfer of the lesser of {$7500.00} or approved credit limit. In this case it was {$7500.00}. This information was not disclosed anywhere nor can it be found on card members agreement prior to applying. In this case is {$25000.00}. I demanded to speak to a manager. I read to the Manager the terms & conditions along with card members agreement in writing stated that balance transfers maximum is upto your credit limit. The manager stated, " You can only find this information after you have applied ''. This is false advertising and extremely misleading. They purposely left out information. If I had known this information I would not have applied for this card and take a credit inquiry. I would have taken my business to another financial institution. 

When I received the card, i noticed that it stated that the " Promotions 0 % APR '' is only for 12 months. This is not what I applied for. I called and the representative stated that I knew this information when I was applying for the card. I have the Rates, fees along with the terms of conditions on the date I applied for the card that specifies 15 months 0 % Intro APR. They could not resolve this. American Express is offers this introductory APR of 0 % for 15 months standard for this card. They could not admit that their system had an error. I have documents to prove they have advertised falsely and misled me as a consumer.
Around  XXXX  or  XXXX  of  XXXX  my husband and I visited  XXXX   XXXX  to finance a car. A sales person helped us out and assisted us with the purchase of a  XXXX   XXXX   XXXX . We signed all kinds of paper work a contract etc..The initial purchase for the vehicle was for {$16000.00}. As of now currently my balance is {$17000.00}. Last week on  XXXX / XXXX / XXXX , I called the finance company to ask for a review of my account because my statement does n't make any sense to me. Apparently I was told by the representative at Santander  XXXX  company that the contract I signed is a " simple interest contract '' she explained that interest occurs everyday the amount of {$10.00}, adding up to about $ 310 monthly and other additional fees, I was completel y un  aware of this kind of contract I was signing, it was not explained to me. With that said my monthly car payment is {$420.00} and every month I pay all the money goes to only interest fees and {$0.00} towards the car payment.
XXXX   XXXX ,2017 I was alerted by my credit monitoring that I had a  Collection account placed on my credit file. This company has never been in contact with me I 've never spoken to or receive anything about this debt, also I am not responsible for this debt I had insurance and if it was mine it would 've automatically been paid. I never gave anyone permission or signed a contract with this company to try n collect anything. There 's no contract and also if they have my medical records or inform ation I know the law and it 's  a Hipaa Violation.
This loan was made in good faith, however I became ill and required surgery. I could not pay full amount of payments and was told that if I made " good faith '' payments then they would keep it off my credit report. The original amount was {$5000.00} ( XX/XX/XXXX ) and I have made good faith payments and they are showing my balance {$4600.00} ( XX/XX/XXXX ) and they reported this debt as a bad debt charge off to the credit agencies. I have filed dispute with all agencies. I did call, and the company re-signed a contract with me and I am making payments of {$520.00} a month. I have made payments but they still are showing this debt as a bad debt on my credit reports. They threatened to report this and no matter what I did to resolve the problem my credit is now tanked. My score today is XXXX. The company will not take this off of my credit reports.
capital one closed my account with no phone call, no letter, and no email notoce. I go to nakr my onlinr payments and it says restricted. I call in and its dtates closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have hard these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont tbink its right that tgey dont give you a warning or notice that this could occur. Thid has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
The collection agency XXXX XXXX XXXX XXXX collection account does not have the right to collect if they are not licensed In your state. I reside in Texas and research through the Debt Collector Search the named collection agency office is licensed in XXXX, MO XXXX furthermore, i would like the collection to be removed from my credit report.
Regarding American Express PASS card. I had set up and funded XXXX of these cards for my XXXX children about 5-6 years ago through my regular American Express account. I discontinued funding and use of the cards about a year later. The cards have been destroyed and I thought that the PASS accounts were closed. 

I recently received and email warning me that the PASS card accounts would soon start incurring a monthly fee and if I wanted to cancel the PASS account to call a toll free number. XXXX. 

I called that number and was promptly disconnected after a recorded message that they were too busy to take the call. 

I called the regular American Express customer service number. They could not help with the PASS card cancelation but they attempted to use an internal direct line to connect me to the PASS card dept. I was left on hold for 60 minutes before I ended the call. 

I attempted to access the PASS account through my XXXX XXXX on line account access, but was given a message that my PASS card access was unavailable and that I should call XXXX. 

XXXX additional calls to American Express customer service failed to gain access to cancel the PASS cards, despite XXXX minute waits each time. 

I have attempted to locate any other method of contacting the American Express PASS card service, but have been unable to discover anything more than the same toll free number. 

I asked American Express customer service to pass me up to a supervisory/senior level customer service representative, but was refused. 

I am stuck in an endless loop and unable to contact PASS to ensure that cards are cancelled, any remaining balances refunded, and avoid pending fees. Subsequent calls to the posted toll free number for PASS customer service result in the same recorded message and an immediate disconnect.
This company is sending me documentation that is completely made up with no signatures. The document was clearly made up After my move out date with no signatures. The document that was signed by me in the move in date was disregarded since it had so many complaints in it and the new forged document with no signatures and with amounts that are clearly changed over and over being crossed out. Also date being crossed out over and over again. This company is committing fraud by forging documents with no signatures on them.
Citi mortgage, loan XXXX foreclosed on my home even though I had already paid over {$20000.00} ; they also arranged insurance and made money off my premiums. 
I want my money back to take care of my XXXX brother and XXXX year old Mother. 
We can barely afford XXXX bedroom apartment but sleep on chairs by my brother 's bedside.
The North Shore Agency debt collection agency attempts to collect {$100.00} for the XXXX XXXX ( Creditor ) Account # XXXX It claimed that they sent me jewelry in which I had never ordered nor did I receive it.

The debt collection agency web is XXXX The automated attendant toll free number is XXXX The address is North Shore Agency -- XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX
This morning, XXXX/XXXX/2016 at XXXX XXXX., I received a recorded message on my answering machine. It said they were calling to speak to a man who is actually my neighbor. The message said that if I were not this person, I had to call their number and tell them they had the wrong person and wrong number. I did so, and they were courteous. 
I do not think it is proper for a collection agency to call someone cold, without ascertaining that the number they have belongs to the person they are trying to reach, and then to require the innocent person to call them to correct their error. I also think it is against the Fair Debt Collection Practices Act to call a neighbor about the debt of a person. 
I am complaining because I think their process is completely intrusive, burdensome, and mistaken. They should not be allowed to make calls like this.
PNC has charged me erroneous fees in the past and they recently took steps to maximize the fees charged to me. On XXXX they charged me XXXX overdraft fees which I believe to be potentially erroneous. On XXXX I noticed that my bank balance was not enough to cover the autodebits from my XXXX credit cards set for XXXX. I had my wife move money from our other bank to PNC to cover the balance. She unfortunately did this using a cashiers check which was deposited on XXXX. On XXXX PNC charged us XXXX over draft fees after the credit card payments posted. Despite the check being enough to cover the payments, my wife and I were unaware of the check clearing policy for cashiers checks which holds funds for one day, hence the overdraft. However, had the payments posted in a different order, the lesser amount first, we would have only been charged XXXX over draft fee. PNC did refund XXXX of the fees because we are not in the habit of over drafting. The thing is, since I have no visibility into the auto-payment posting times, I ca n't be sure that PNC is not maximizing the fees charged to me by posting the smaller of the auto-debits first. Furthermore, PNC has a history of charging me inappropriate fees. In XXXX they tried to charge me a {$25.00} dollar fee for not having enough direct deposits in my account for XXXX because the deposit that happened on XXXX did n't count for the XXXX statement. I called to complain and they removed the fee.
I had   XXXX    Capital One a ccounts that were included in m y 2013    Bankruptcy that was discharged years ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  Capital One cla ims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!