WillisBack/dataset-financial-user-claim huggingface dataset:
Sent XXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
First my mortgage was sold 3 times in the past year. It went from XXXX XXXX to XXXX XXXX   to XXXX XXXX to finally the worst of them all, New Penn financial. Starting XX/XX/2018 the first letter I got from XXXX XXXX XXXX was that they were going to default my mortgage due to non payment. I was very upset, called them, and setup auto pay. I get another email ( not mail ) on XX/XX/XXXX, saying that if I dont resolve by tomorrow they will default my loan. No one ever called, or left any messages, called them on the phone, they said I didn't pay, and now they want to tack on a {$92.00} late fee. They also said its okay to not pay the late fee, but just to keep the late fee floating on there, then they continued to say that it was I that put a stop on the auto pay ( which I did not ). 

I have strong beliefs that they are trying to default my loan. Please help
Im trying to get some information from wells fargo on the loan modification glitch that caused peoples homes to go into foreclosure. I havent heard or gotten anything in mail from them. Ive tried emailing and messaging them.
My issue is with a Home Depot credit card. I fell behind on payments and then made a payment to pay all pass due amounts. Soon after that they suspended me from making direct payments on the Home Depot website and would not accept payments over the telephone. I was contacted by XXXX and given the option to pay XXXX in full to clear the account. I paid the XXXX in XXXX of 2015 and thought all was well until I received a call from XXXX in XXXX of 2015 stating I now owe XXXX. Each time I spoke with the company they insisted I owed the money. I requested explanation of the balance in writing but to date have not received a detailed explanation in writing. They only tell me it is because of interest. To date this account balance has grown from XXXX when I paid it off the debt according to paperwork sent to me from XXXX, to XXXX according to the XXXX representative I spoke with today. My last communication with this company was XX/XX/2015.
Someone opened a XXXX account in my name that I did not autherize, the credit company 's were suppose to verify any new accounts with me as, I have been a victim of Identity theft. I have sent letter to XXXX no response. The person that stole my Identity has been reported to the police, I also reported them to the IC3 per my police department request. Ii can not file a report with the FTC due to Goverment shut down, But I did with my local police department. This account should be blocked, and removed. It should have never been opened without my consent.
I submitted an original complaint through the CFPB on XXXX 2017 in regards to Experian reporting a public record ref : XXXX. Experian concluded the investigation stating that there was no public record on file and I would receive correspondence in the mail. I have not received results in investigation in the mail or seen a reflection of change of information being reported on my credit report. " According to our records, the disputed public record does not appear on your Experian personal credit report. We have mailed a copy of your current Experian credit report to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the XXXX XXXX system. ''
I financed an auto loan with Santander Consumer USA. I have made my payments ahead of schedule and I have never been late on a payment. They are stating the interest is accruing on a daily basis since the last payment was made even if the payment was early. I have paid so much in interest to the company and hardly any of it was applied to the principle. I am currently locked out of my online account with Santander because I complained to them about the payments being misapplied. I am in fear they will repossess the car even though my account is current. This company needs to be shut down immediately. There are numerous complaints on this company.
As I have said I have never been to any hospital or used and medical services. Lost my wallet awhile back and got a replacement i.d maybe someone used my i.d at a hospital. Either way this was not me or is not my debt. Stop reporting on this fraudulent debt. 

XXXX XXXX XXXX/CHARGEOFFOther {$710.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name GOLDKEY CRED Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account XXXX Years, XXXX  Months Credit Limit Not Reported Highest Balance {$710.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
They are reporting old addresses that I no longer live at and I have provided them the correct address, but they claim it is not correct per the us postal service. I receive mail everyday and their correspondence from my complaint letters. I want them to post my current address and remove all others from my file as they can not be verified any more as I no longer live there or receive mail there, they are enabling identity fraud.
On XXXX XXXX, I drove 3 hours from Washington DC to XXXX, PA for the sole purpose of closing my bank accounts with First National Bank ( who just bought out my bank - XXXX of PA ). I went to the XXXX branch on XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). I was met with, " We ca n't close your accounts until Tuesday because we do n't have account totals. '' Seriously? Way to plan for the merger! I signed all the paperwork and was told they would mail a check on Tuesday, XXXX XXXX to my temporary residence in XXXX, MD. It 's only XXXX miles away from XXXX so should have arrived the next day. Wednesday, the XXXX came and went. Thursday, the XXXX came and went and still no check. I called Friday, the XXXX and was told the checks were n't mailed until Thursday and should arrive early this week ( XXXX XXXX or XXXX ). 

It is now XXXX XXXX, almost TWO WEEKS after closing my accounts and I STILL HAVE NO CHECK. I called again this morning and talked to the bank manager, XXXX, and was told that the checks were sent last Thursday, the XXXX, not Tuesday as promised, but they went to a main bank or corporate or whatever in XXXX first and would be sent out from there sometime. " Probably Monday or Tuesday she said but that was a guess. She did not verify that they were indeed sent out. '' Meanwhile, I have {$50.00} in cash to my name which I used to open the account at the new bank. I have an overdue credit card which is now maxed out because I have no cash and First National Bank has my {$15000.00} in limbo for almost 2 weeks and the best part is I now owe a late fee and all the interest on it because of this whole screwed up process and the repeatedly being lied to. I also have no way to pay my electric bill or buy groceries. Way to go First National. I clearly made the right decision to close my accounts when they bought out XXXX. I want my XXXX money!!!
Citibank took over an old account ( Exxon ) credit card from 1990 and said interest has grown to over XXXX they kept calling and harassing me until I changed my number. 
Citibank said I owed XXXX before I canceled the card back XXXX, now they want all the interest money and have reported me over and over again to the credit bureau.
We have been making payments on our car loan with Santader for almost 4 years. After consistently running behind last week the car was repossessed. After making 3 payments totaling {$1800.00} and getting the car back I decided to look into the balance we owe on the car, only to find out that we owe roughly $ XXXX less towards the principal than when we first obtained the loan. After questioning this, the customer service representative indicated we have paid almost $ XXXX towards interest because we have been running behind in the interest rate is a little over {$13.00} a per diem. After hearing this I was understandably upset. Clearly we are trapped in a downward spiral financially ... .we had to get this loan because our credit was bad, because of this, our payment was higher, therefore, we were more likely to fall behind, once doing so our credit score gets worse. In the meantime, the bank collects interest only and we have nothing to show for it as we continue to pay the price for our financial mistakes. I would like to understand what rights and protection we have as consumers. I would also like to know if I have a reason to seek legal advise as I think this practice is morally questionable at best if not against the law. Thanks in advance for your review.
XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that reliant was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, Centrol Control dates are not correct and the bureau is also aware and refused to do anything.
Was not properly contacted when my mortgage company sold my mortgage to another company. The contact information my prior company provided was incorrect or the new company recorded it incorrectly. The transfer happened on XX/XX/2016 and I found out that it had changed when a 60 day late payment appeared on my credit report. I had direct withdrawl with my previous company and assumed that the money was coming out automatically like it had for the last 8 years of my mortgage. I do n't think I was properly notified and have a 8 ( almost 9 ) year track record with my mortgage and now no creditor will touch me because I have a 60 day notice on my credit score.
I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my Transunion credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
Prior to my first complaint about Stewart, Zlimen & Jungers I had received what they had portrayed as XXXX County Court documents stating I HAD and was COMPELLED to pay a debt to them I had no knowledge of.  I reported them to the cfpb for that and wrote them notice to cease and desist all contact. They responded with the one response they a are allowed with the Fair Debt Collection act to inform me will being legal action against me. Having had the hearing noticed sent to an address I no longer resided at they received a default judgment with out my knowledge.  They then began to attempt to garnish my XXXX income and sent me a letter and had the court order I verify my income.  After a second collection letter for payment from my XXXX, being exempt income, I informed them once again to cease and desist a second time.  I received a letter this week demanding payment from a tax returns and offering a pay off plan that exceeds the amount awarded by the court despite my two prior cease and desist letters and that XXXX is exempt income. I am now issuing a third cease and desist even though they refused to comply with the prior two and continued to and threatened to collect on XXXX income.
XXXX XXXX WAS THE ORIGINAL DEBT AND WAS PAID SHORTLY AFTER WE RELOCATED IN THE AMOUNT OF {$560.00} ON OR ABOUT XX/XX/2015.
This complaint is against CBM Services re acct number XXXXxx. I send a letter requesting proof to this debt Early XX/XX/XXXX to confirm if its one mine and also valid and validated. CBM Services did not validate the debt they instead sent improper verification. It was requested that CBM Services send me : Construct with my signature from the provider of service of me releasing my information to them. Also for them to cease any reporting to the bureau until this is resolved. 

Instead they are reporting on my report with a date of service XX/XX/XXXX which is also incorrect. There is false reporting in an attempt to collect a debt that has not been reported and I will proceed with reporting to my attorney general and the XXXX. This account needs to be removed immediately for falsifying information and failing to validate an account with a signed contract. Remove this account immediately from my credit report. 

I have enclosed a screenshot of what they sent back which also shows a DOS difference adding to my falsifying documents mention.
I was late on XXXX mortgage payments to XXXX XXXX XXXX. They told me to send them {$1400.00} overnight, which I did. Approximately 2 months later they returned my payment and filed for foreclosure. I attempted to make payments on several occasions but XXXX XXXX XXXX would not accept them. XXXX XXXX XXXX was unable to complete the foreclosure and were forced to reinstate my mortgage. XXXX XXXX XXXX claims I was late on XXXX payments while they were foreclosing, but in fact they would not accept payments. No payments can be made during a foreclosure, therefore they could not possibly be late. 
I was only late on payment for the months of XXXX, XXXX, and XXXX of 2010. XXXX XXXX XXXX does n't even show those payments as being late. Any subsequent late payments must be removed from the report becuase they are not accurate. 
I want XXXX XXXX XXXX to remove the late payments from my credit report.
I have a XXXX Credit Card through Barclaycard. The card expired in X/17. When I received the new card in XXXX, I did not activate it ( as I was not planning to use it ). They sent an email on X/XX/17 that a payment is due and payment was due X/XX/17 ( I thought the time when a statement is sent and payment is due is more than 10 days, am I wrong? ) Since I had not charged anything on that card for years, I just deleted it. Then today I get a notice that the payment is past due. I looked online since they did not mail me a statement and there was a charge on XXXX for XXXX in the amount of {$11.00} -- followed by another charge of {$11.00} on XXXX for XXXX. Then they charged me {$24.00} for late payment fee on XXXX and interest charge of {$.00} on XXXX. Then to add insult to injury, there was a charge of {$9.00} dated X/XX/17 from XXXX XXXX. None of those charges are mine. ( I have never had XXXX -- do n't know how to use it and sure do n't know what XXXX XXXX is ). I called the company today and complained and asked that they close my account. But I am afraid that they will post that I am past due on payment ( even though they were not my charges ). But my question is ( and complaint ) - How can a charge be posted to an account that was not activated? I think there is an employee in the institution that is looking for accounts that have not had activity for a long time and then selling that number to???. Also somebody in the inside had to activate the card to make the charges go through the system. Please check this out and let me know.
I looked at the most recent credit reporting agencies letters and have come across some erroneous information. 

XXXX XXXX Reported : XX/XX/2018 {$300.00} XXXX XXXX XXXX XXXX XXXX Im not too sure what this or who it belongs too? This is not mine and does not belong to me
Thes inquiries i did not authorize on have knowledge of my transunion credit report need to be deleted. XXXX XXXX on XXXX17, XXXX XXXX on XXXX17, XXXX/XXXX on XXXX-17,  XXXX/XXXX  on XXXX17, and XXXX XXXX on XXXX-17.
They are blocking me from getting my report and I do n't know why. And I have many hard inquiries from  XXXX  /  XXXX    XXXX   XXXX    XXXX  without my consent.
J P Chase Morgan has continually added and subtracted a balance of {$1000.00} to my Mothers ( who passed away XX/XX/XXXX ) checking account for almost a year, resulting in my inability to close the account. Chase has stated they are recouping a Social Security payment. However, the Social Security payment was already recouped, and this is evident in the banking statement. The bank has acknowledged that the amount is not owed, as they have repeatedly removed the amount from the account. Only to attaches the amount back on the account. I have communicated repeatedly with the bank, and have been transferred from department to department with each represtative passing me off to another with no explaination. 
In addition to the above, today XX/XX/XXXX, Chase has attached an additional new fee of {$1000.00}, for a total negative balance of {$2100.00}. I went into a local bank, inquired about the status of the account with the new transaction, and after making several telephone calls the branch manager was unable to obtain any information as to why the new transaction was add to my Mothers account. I have banked with Chase for several years, and have many accounts ( a auto loan, credit card, checking & savings, my childs high school account ), all of which I have never missed a payment or had a late payment on. I really enjoyed managing my finances with this institution. To say that I am disappointed is an understatement.
Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an XXXX amount of dollars.
Sent certified letter to Equifax and delivered on XX/XX/XXXX, regarding XXXX, No Response from bureau, and my previous complaint regarding hard inquires filed on XX/XX/XXXX still no update or response.
I submitted a statement the amount is {$290.00} for the transaction. I called XXXX  to dispute the fee and let them know there were supposed to be no charges and the item should be removed from my credit file.
Received phone call from someone named XXXX XXXX claiming to be a lawyer for a cashnet loan service, I can find no record of him anywhere. Tried to tell me I obtained loan in XX/XX/2016 and gave an old address, and a bank account that is not mine. Told me he called the bank and verified my information, which would be against banking practices if I did have an account there. I have no knowledge of this loan. He called my place of employment prior to calling me. I am a XXXX and he is threatening to call my XXXX  to discuss this matter with her and report me to the XXXX   board. Called multiple times, 7 in fact within 20 mins and continuously made threats to try and get me to pay. My husband called and he rattled off his information ss #, Birthday, and phone number. Told us he is one step ahead of us and threatened to call my husbands work as well.
I had an issue with Shellpoint mortgage reporting the status and amount of a mortgage account which was incorrect in both the amount and the status, thanks to a compliance complaint that I filed with your agency previously my issue was partially resolved ( thank you very much ), but unfortunately the most important part of the reports accuracy remains unsolved, according to my agreement with them the account will be reported as closed and paid in full on all 3 credit bureaus ( see attached letter ), but unfortunately they are reporting as settled for less than the amount owed which adversely affects my credit, I need to request once again for your help to resolve this issue so I can move on with my life, if you have any questions please dont hesitate to contact me and once again thank you for your help.
I contacted this company on XX/XX/XXXX to settle and old debt. I spoke with a representative in the collections department named XXXX in the South Carolina Branch and I I explained to her that I would be willing to paid {$300.00} in order for the debt to be settled and the balance would be {$0.00} on my credit report. She assured me that is would be okay so I called her back on XX/XX/XXXX to complete the {$300.00} settlement payment. I made the payment over the phone and she told me that the debt is settled and the balance is {$0.00} and that I could pick up my receipt stating this information on my lunch break. I picked up my receipt from the the local brach on my lunch break on XX/XX/XXXX. Today, on XX/XX/XXXX I received a letter in the mail stating that I still owe a balance of {$120.00} and that I need to schedule an appointment to make my next payment. I don't owe them anything. We agreed on a settlement amount of {$300.00} and I have already paid that. This outrageous and unprofessional. This company needs to update my credit report to show that the account was settled and the balance is {$0.00}.
XXXX XXXX has lowered my credit amount based on information obtained through XXXX. 

Barclay/Mastercard has not accepted a payment sent out on the to be received by XX/XX/XXXX. They have the payment on their books, and yet, this amount has not been taken from the bank. I'm told this money needs to be cleared by the bank. It was cleared from the bank the minute it was sent to them. This transaction and very suspicious. I have spoken to a customer service rep. so that I can get a cal back with 24 to 48 hours. This is very, very bad business practice.
I am an individual who was affected by the Equifax customer information breach, and I reached out to their customer support line today to get information about what information of mine was compromised. 

When I called Equifax, they were wholly unwilling to tell me which personal information was made available in the breach, and insisted that I sign up for their paid credit monitoring service, which is also subject to mandatory binding arbitration without any opt-out option. 

I am deeply disturbed by this, as I would like to know exactly what information of mine was made available, and I wish to reserve my legal rights, particularly because it 's almost impossible not to have information with Equifax at this point in time.
Calling my children 's phone number and leaving a threatening tone on their voicemail which has caused panic.
i contacted walmart and the manager there said she would send me a letter stating that this account can be deleted from my credit bureau but now they are saying they can not do that even though they did send me a letter saying that the account can be deleted so XXXX credit agency contated them to dispute it and awalamrt is saying no it can not be deleted but i do have the letter from walmart stating that it can be deleted im furious i need this item to be deleted so i can get my apartment waith my kids