WillisBack/dataset-financial-user-claim huggingface dataset:
While traveling in XXXX, I was at an establishment that in addition to the correct charges hit my card for {$3200.00}. I disputed these with Wells Fargo as I had not authorized any beyond the first and, after producing alleged " signed receipts '' that were nothing but a vague scrawl ( and note that the establishment had an actual copy of my signature to work from ), the bank denied the dispute. In addition, it is shocking that it was not detected as a possible fraud, as no activity remotely like this had never happened in the entire time I had an account at Wells Fargo.
I paid on my JC Penney credit card account on XX/XX/XXXX for {$200.00} ( the minimum payment required on the statement I received was {$170.00} ) when I was at our JC Penney store with a check. When my husband reconciled our bank statement for XXXX, XXXX in XXXX, XXXX, he noted that the same check number was run through again ( the same amount of {$200.00} ) on XX/XX/XXXX from our checking account. He checked with our credit union, XXXX XXXX. XXXX. ( XXXX XXXX ) and the credit Union indicated that it XXXX XXXX who who run the same check through two different ways or " double dipped '' from our checking account. Upon discovering this on our bank statement, we stopped payment on one of the {$200.00} withdrawals by XXXX as advised by our credit union. I then  received a certified letter indicating I was delinquent on my account for XX/XX/XXXX, but I I paid on {$200.00} on XX/XX/XXXX. XXXX indicated my check was " Returned and Not authorized by our bank '' for the {$200.00} owed in XX/XX/XXXX. Our records do not indicate that. When I called XXXX they stated I was still " delinquent '' and needed to send a check for {$140.00} or I would be turned into " collections ''. I then sent a check in the mail to XXXX XXXX for {$140.00}, just to pacify them. We have attempted to rectify this with XXXX XXXX with multiple phone calls and four faxes with attention to Payment Issues. Calling the XXXX  number on the letter connects us with someone who is clearly overseas ( I suspect in XXXX ). They talk in circles about how we owe and can not acknowledge the " double dipping '' XXXX did. The faxes go to a payment issues center and the call center associates in XXXX have no communication with the payment processing center. So one side of XXXX doesn't know or care what the other side is doing. This has yet to be resolved. I have paid on my account always on time and at the minimum or above the minimum required payment amount. We request your assistance with this matter due to inability to resolve directly with XXXX XXXX. Thank you for your time and assistance.
Collection Agency is trying to collect money I do not owe, for a vehicle that was impounded. The vehicle was not mine nor registered to me. I have repeatedly told her this issue is not mine, it is my dad 's ( we have the same name. ) it has been disputed with the XXXX credit bureaus but she told me she will not remove it until it is paid. I repeatedly told her, it 's my dad 's, and she said she has documents with my social security number that links it to me. I have asked for the documents or proof, which have been denied. I 've been told to have my dad call them to pay the debt and then they will remove it. She will not release information as to how my social security was obtained, which I believe was obtained in an unethical manner through a third party.
Sav-it collection show a debt that they say # 1 they could n't reach me, and further, it was settled with the company for {$170.00}. The company was XXXX.
I 've got ta collection from XXXX XXXX for an account that does not belong to me! 
Though I make my credit payments on Time and have stable XXXX job ; I am unable to apply for credit or improve my Families Well Being. due to the above mistake fromt he collection and credit agencies.
According to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, credit bureaus and credit reporting agencies have an obligation to investigate and remove erroneous information from a consumers credit report. On XX/XX/2018, I sent a validation letter to USAA Savings Bank requesting validation for this account that I believe was placed in error. I received a response on XX/XX/2018 and rather than providing documentation with original contract bearing my signature proving I had a contractual obligation to pay the debts in question, they provided account statements for this account. Therefore, the accounts had not been verified.
We recently installed a home phone line and a week later started receiving frequent calls from Portfolio Recovery at XXXX asking for a man who does not live here. The calls come throughout the day and we have informed them many times that they have the wrong number. Each time I try to speak to a supervisor I am hung up on by the caller.
I have told USAA BANK for four years that I am the owner of the credit card they have in debt with me, that XXXX XXXX social security number XXXX, and bday, XX/XX/XXXX was only an authorized user for one and half years from XX/XX/XXXX-XX/XX/XXXX. USAA BANK has never been able to produce proof otherwise there for are breaking the law and caused hundreds of thousands of dollars in damage to credit issues and future issues. XXXX XXXX and myself also provided USAA BANK with idenity theft papers so theses are XXXX reasons XXXX XXXX should not be on XXXX anymore and ONE reason I should not be. Also note that XXXX removed USAA BANK CREDIT CARD from XXXX XXXX recently this company is acting illegally and causing tons of financial damage.
These following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX
I applied for the income base repayment plan, after a year had gone by and had to renew the plan they never sent the paperwork to renew it. After which they then repeatedly called me at very inconvenient times while I was at work leaving daily messages about it. When I was able to call them they told me the only way to move forward was to forbearance the past due amount which had late fees attached or pay the past due amount. Which was around 700 dollars. So I had to forbearance it and then they said I had to apply for the income based repayment plan and quoted me a monthly payment that was twice as high as it had been before and was more the the payment would have been without the plan. This matter is unsettled as they were unwilling to work with me by just repeating my options with no additional help. I also was in a car accident and was out of work for a few months and they also only gave me the option of forbearance and only helping to lead me to more and more debt.
I just viewed my credit report and there is an account from a company I have never heard of. This company never contacted me, by first class mail or certified mail. 

This company name is Credit Control Corp from XX/XX/2011. I have never did business with this company. I never received any letters from this company. They just put an account on my credit reports and left it. No right to dispute the validity of the alleged debt letter was sent. They have violated the FDCPA and the FCRA. 

If I did n't check my credit today, I would have never knew that this account was on there. This company has violated the FDCPA and the FCRA. 

I want this account removed from my credit reports. I have never heard of Credit Control Corp, Acct # XXXX
Shellpoint has denied my request to modify my mortgage claiming non receipt of requested documents, and also responded to a previous complaint to cfpb that I did not supply docs. Not true, all faxed and mailed multiple times. I refaxed and mailed XXXX pages yesterday again!. Included were multiple letters from them acknowledging receip of requested docs
I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX/XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
On XXXX XXXX, XXXX, I received a judgement against me through the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX without receiving a summons or with no knowledge of what the debt was for. Through my research, I have been informed that it is from a JP Morgan Chase issued XXXX ending in XXXX for the original amount {$1200.00} ( case # INCXXXXXXX ). I am a former Washington Mutual checking and savings account owner and a current Chase Bank account holder. I have no record of owing this money on my end and would think that since I am a current account holder and have not had a break in my account holding status with Chase Bank for the past 10 years ( even when they were Washington Mutual ), I would have been made aware of this. I know there was a Califronia lawsuit petitioned by the California XXXX XXXX XXXX that was awarded in the consumers favor for false and fraudulent debt collection practices by JP Morgan Chase between XXXX XXXX, XXXX and XXXX XXXX, XXXX. This was to be repaid by Chase Bank to the consumers for the amoutn owed plus 25 % excess above the amount owed. I have no idea how to move forward with getting reparations and the removal of the judgement.
Good morning, we're writing to you, with the hopes that you will assist us in our discussions with Webster Bank. 

We purchased the building that my father lives in in XX/XX/XXXX. This building also has restaurant in it and it has only been brought to our attention, after we spoke with Webster Bank last week, that our loan was written as a BUSINESS loan and not a mortgage. 

The instrument of security that was used for this loan is, in fact, my sister 's home. We are behind on our payments and Webster bank has informed us that they intend to pursue the publication and sale process, on our property - the sale date is scheduled for XX/XX/XXXX. 


To make matters worse, in XX/XX/XXXX we had the loan modified and were instructed by the attorney representing Webster Bank that are payments would be {$3300.00}. We made 4 payments at that amount and were contacted by XXXX XXXX and informed that that was not, in fact, our payment. She demanded that the difference be paid in one lump sum and that has brought us to this point. 

There are a number of legal issues, surrounding this loan, as you can see and we would appreciate your assistance in getting this matter resolved and getting back to good faith payment - with an actual mortgage on the property and not a business loan. 

Thank you for your assistance with this
Wells Fargo closed credit card account for local Home Furniture store due to inactivity. This account was opened XX/XX/2013 and used to purchase furniture. We were not aware the terms meant they could close it due to inactivity. People do not go out and buy furniture on a whim just to keep a card active. Never notified that they were closing this account. Do not want ill affects on credit report/score due to this!
I do not have a signed contract nor any contract with collection agency name I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
I have dispute an item with Transunion. That item is XXXX, XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.
was sent a letter offering to take XXXX dollars a month for 12 months so i agreed to this and it took over 2 weeks to even get a letter showing i was under this program. then the day before i ws to get the letter from them they sent it to another collection cmpany to try to get full payment for it. when i called them about this i was told at first it was a mistake nd to call another number to have the pull it when i called it i had a hard time understanding the lading i was talking to so i asked to speak to a supervisier and that lady hung up on me while i was tring to explain what had happen to her and when i called back i was told to deal with the other collection comany
I was unexpectedly laid off from my job in XXXX 2013, that lead to financial hardship that caused me to miss some mortgage payments. After going back to school and testing I started working as a realtor. During that time we applied for a loan modification with PNC bank. We were a customer for over XXXX years with a solid history of making mortgage payments. After being accepted for a loan modification, which would increase my monthly payment {$400.00} dollars, I appealed to have my mortgage payment lowered to where it was before. The appeal was turned down. I then accepted the terms offered to me but was turned down because they said I waited too long to accept their terms. I then was instructed I would have to re apply and submit a new packet to be considered again. After a almost two years of sending PNC my financial docs and letters of employment I was turned down again. They said the process had taken too long. All during this time my financial position has gotten better, I am working XXXX jobs and my wife works as well. We are making enough income to resume making our mortgage payments. I believe that PNC has not acted in good faith during these negotiations. I was called on the phone XX/XX/XXXX and was told I had one more opportunity to re submit a packet for review. I sent in a new packet and called PNC a day later to make sure they had received it. They say they had but were closing my file because I had been turned down twice previously. They did not even review my application, even though my income is well above the amount needed to make my mortgage payments. I did not receive any notice in the mail that said my app was rejected and no reason given. This is bad faith negotiation. I believe the real reason is because the amount I owe the bank is {$220000.00}, and they bank has appraised our homes value at over {$400000.00}. The bank wants to take my home so they can profit from its sale. This was after they previously appraised my home in the {$260000.00} range. Therefor, I believe that PNC Bank did not negotiate with me re my loan modification with good faith. I submitted paperwork and financial info they requested and they did not review them, thus making a decision to take my home based on bad faith negotiation. It is not fair to me, my wife and XXXX kids, my neighbors, my block I live on, the community or city. The only one standing to benefit is PNC Bank.
Bank of America claims I was represented by a lawyer out of XXXX Virginia in a case involving XXXX. In fact, my lawyer was a XXXX XXXX XXXX based out of XXXX regarding the XXXX case. None the less, the law requires accurate reporting of information on a credit report and Bank of America has failed to do this by reporting that my last known address was in XXXX Virginia. I would also like to add that if Bank of America has anything to do with the XXXX case, that case was settled out of court and that debt was removed because of this. If this fradulent debt has anything to do with XXXX then Bank of America is not only reporting my information illegally but they are illegally trying to collect a debt but this will all be brought up in the court papers next month. Bank of America has many cases that they have lost by reporting false information and performing illegal practices. If they claim I lived in XXXX Virginia and put someone else 's name on the account instead of making it a side note and this account was mine, even though it is not, then how am I to know the rest of the information is correct? How am I to know this debt is even real and Bank of America is not making it up? Their own representatives can not even keep their story straight, they flipping stories more than a pancake. All these correspondents will show up in court and you can answer to a judge and possibly a jury over why so many errors and false reporting, I will gladly take your money.
I received a notification through myfico credit monitoring that a collection account had been added to my account. I logged in to see what it was about and saw that Waypoint Resource added an account on behalf of XXXX to my credit profile. Not only is this debt erroneous and obviously unverified according to FCRA requirements, but this is my very first time ever being notified of the debt. I have never received a letter or phone call to notify me of this fraudulent debt. They took away my right to dispute the debt which I believe is a violation of the FDCPA and the FCRA. This account has caused my credit to plummet and I am demanding this account be removed immediately.
My doctor ordered me to take several medical tests. He did not disclose that there would be a copayment cost with each of them. He is obligated to disclose this to me up front as I am a XXXX patient. I wrote a letter to the medical company saying I should not have to pay the copayment charges as I am a XXXX patient and am supposed to be told up front if there would be any expense to me. The medical company did not reply to my letter but shortly thereafter I received a letter from a collection agency that I must pay. The medical company saying I owe {$100.00} is XXXX MO XXXX. The account with them is " Re : XXXX XXXX XXXX Acct # XXXX {$100.00} ''. The collection agency they used is : Transworld Systems Inc. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. Their reference is : XXXX XXXX XXXX XXXX, Total Balance {$100.00}
I completed my bankruptcy and received a discharge and final paperwork to show that everything had been paid. Transunion refuses to update my account to show bankruptcy is complete. Also, the company workers are very rude and tried to submit it for investigation and refused to take it
I 'm a victim of identity theft someone took my information and opened up accounts in my name and I just found out about it this is unbelievable it 's killing.
On XXXX XXXX XXXX XXXX XXXX pulled my Experian credit report, thus placing a hard inquiry on that report, damaging my credit score, without my permission. I have never had any business with or requested any credit from XXXX 's. On XXXX XXXX XXXX I sent a letter to Experian ( since you apparently ca n't dispute inquiries online ) disputing this inquiry. On XXXX XXXX XXXX I received a fresh report from Experian ( Report number:XXXX Dated XXXX XXXX XXXX ). The inquiry was not removed and they stated, in part, " we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' On XXXX XXXX XXXX at approximately XXXX EDT I called XXXX 's Credit Department at XXXX. Their automated system confirmed that my SSN was not in their system. I spoke to a frontline CSR who confirmed that my name was not in their system. She then transferred me to " XXXX '' at approximately XXXX EDT who insisted she could not help me and I needed to dispute the Inquiry with Experian. Of course, I informed her I had already done so and they had referred me back to XXXX 's. She then transferred me again but that sent me to the voicemail of someone I believe is named " XXXX ''. I left a message, but have not received a return call. Since neither my name nor my SSN are in XXXX 's database, I do not believe this incorrect inquiry was a result of identity theft, I believe it was simply a data entry error on XXXX 's part. On XXXX XXXX XXXX I filed a CFPB complaint with XXXX 's requesting the removal of this incorrect inquiry from my Experian credit report. On XXXX XXXX XXXX I received a letter from XXXX 's stating, in part, " We have agreed to remove the XXXX 's inquiry made on XXXX. We have instructed all credit reporting agencies to remove the inquiry. '' As of XXXX XXXX XXXX this incorrect inquiry is still on my Experian credit report and still damaging my credit scores.
Sir/Madam, I have a Bestbuy credit card. I made regular payments since 2 years. I started falling behind my payments since approx. 3-4 months. I had a debt protection plan on this card. I am unemployed since XXXX 2015. Still I manage to pay payments till XXXX 2015. I asked Best buy card to waive off my balances as I can not pay the balances. They first asked me I must enroll to State Unemployment agency. Since my United states XXXX application is pending so I told them that I cant enroll as I am not eligible to receive unemployment benefit. They argued and latter asked me it is enough to enroll with job portals which I already have been registered with major job search websites. They sent me a form to fill up and send back to them. I could n't send them the form on time and I sent it couple of weeks. They kept sending me bills. And now I received a letter saying they have cancelled my debt protection plan and closed my account and I have to pay late fees previous balances total {$350.00}. They also mentioned that I have full balance payment of {$1300.00}. I am feeling cheated now and frustrated. They knew my situation still they are doing this.
I work a XXXX job and it requires me to travel 80+ miles a day. I work Mon-Friday XXXX - XXXX. I lost my wallet with my ID, cash and my XXXX Capital one credit card was used fraudulently. This happened twice the first time it was for the amount of {$1900.00} the second time it was for {$1700.00}. I noticed the charged on my transaction list both times and reported them both times. However after a month and a few weeks I check online and seen that they reversed both credits back unto my account and I was totally shocked I was being charged for Two transactions that were made fraudulently. I then received information via mail stating I benefited from these transactions which is completely false.
There was inquires from TD Bank USA/XXXX XXXX on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
On informaation and belief, Experian is fraudulently charging consumers at least {$3.00} ( Georgia ) to temporarily remove a Security Freeze placed on their account. 

Following previous difficulties with Experian in temporarily removing my security freeze, I went online ( X/XX/2017 ) and attempted one again to use the online process to remove the security freeze. 

When asked the 10-digit security pin, I accurately entered it into the online process. This was the same 10-digit pin that the Experian telephonic processed requested, received and validated. 

However, the online system alerted me that the pin was not accurate and prompted me to submit the request without the 10-pin and I would be asked a few questions in order to validate my identity. 

When I did so I was prompted to submit payment of {$3.00} by way of credit card because that is what the State of Georgia allowed. 

Given the millions who have been compromised by the negligence and/or malfeasance and/or misfeasance of all of the Credit Bureaus, millions must be flocking to freeze their account. 

An immediate audit should be conducted by and independent review organization in order to determine how many times ( millions I would wager ) Experian and the other two Credit Bureaus have inappropriate charged consumers to unfreeze their accounts. Each provide a pin to allow the consumer to unfreeze the account, however, on information and/or belief, Experian and the other two bureaus XXXX and XXXX XXXX, in my opinion, developed an elaborate ruse to notice consumers that their pin was inaccurate and then subsequently charged said consumer. Again, and instant and thorough audit would readily reveal the ruse and the magnitude of unauthorized fees each have taken under false pretenses. 

As of this writing, my Security Freeze still has not been lifted allwoing creditors access to my report.