WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried to get discover card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get discover to remove this account that does not belong to me.
Our problems started when Freedom Mortgage replaced XXXX XXXX manager of our VA loan. Freedom paid our homeowner 's insurance premium a second time. We were not aware of the duplicate payment until XXXX 2016 when we received a refund check from XXXX XXXX. XXXX We had not received any correspondence on this issue from Freedom. regarding their overpayment prior to received the ins. co 's refund.On XXXX XXXX, 2016 we sent a letter advising the refund and enclosed our check for {$1700.00} with a request that the money be returned to our escrow acct. The check cleared our bank on XXXX XXXX, 2016. We received a letter from Freedom dated XX/XX/2016 advising our escrow acct was being increased by {$170.00} per month to a total of {$610.00} per month. XX/XX/2016 we sent another letter asking why our payment was not credited to our account? We still do not know the answer. We have made multiple calls to Freedom multiple reps have not given any explanation in addition copies of my letters have been faxed twice to Freedom. XX/XX/2016 received letter requesting 30 days to respond to my claim, as of XXXX no response. XX/XX/XXXX rec 'd letter advising our acct in default, until {$170.00} paid. Letter indicated we would be sent to collections. To avoid late fees and possible black mark on credit history we allowed bank debit payment. Rep promised us that sup'r would call us within 2 days, still no contact. XXXX XXXX, 2016 Sent another letter with copies of my prior letters. Dispute now 3 months old, requested that we either get credit to our escrow or a cash refund within 10 days for our payment of {$1700.00}. Freedom Mort has caused us a tremendous amount of stress over their error. We are senior citizens and we feel the company is taking advantage of us with their total disregard for our rights. Their reps have apparently made no effort to correct their mistakes or to return our calls promptly as promised. Obviously, we need some help.
I contacted XXXX on XXXX separate occasions, the latest which was XXXX/XXXX/XXXX. At first, I did n't recognize the items because the entity on the report was different than those listed on the report previously. The credit bureau investigated the item and found the original creditor sold the debt to a collections agency called Meade & Associates, and informed me the information was accurate and provided the following contact information : Meade & Associates XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Ph : XXXX On XXXX/XXXX/XXXX, I filed for bankruptcy and placed under the automatic stay pending the discharge. Upon its discharge on XXXX/XXXX/XXXX, I obtained credit reports to verify the correct reporting of the items included in the bankruptcy. The accounts held by Meade & Associates had account numbers as follows : XXXX XXXX XXXX XXXX XXXX These accounts were reflected to show a XXXX balances with the correct tradeline entry stating the account was XXXX in Chapter XXXX bankruptcy. However, the company failed to report the accounts as closed and are still reporting them as outstanding, derogatory balances. 

The collection agency in question confirmed that they had received notice of the original filing and further down the line, an order of discharge. These documents were also made available to XXXX and later sent to Meade & Associates to support my claim. I contacted Meade & Associates on XXXX/XXXX/XXXX to ask for a correction of this erroneous information and was informed that they would take no action to change the reporting of these items. I told them about what I had gone through in the dispute process and that I would take further steps in order to compel a change in the reporting of these accounts and was sarcastically told " Good luck with that. '' and reiterated that they had no intentions of changing the reporting of these accounts. 

The same dispute with XXXX and XXXX resulted in the removal of those records from their respective credit reports. All documents supporting my position are attached to this complaint, including the schedules of my bankruptcy that reflect the inclusion of these debts and the discharge order itself.
On or around XX/XX/XXXX I mailed Equifax letters informing them that my personal information has been used fraudulently resulting into several accounts being opened and sent to a collection agency. Equifax failed to answer or dispute any of the accounts that where being reported as a result of identity theft. They knowingly violated 15 U.S.C. 1681 ( c ) 2 ( a ) 1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX
I am filing a dispute with Equifax regarding an item on my credit report. However, the reason for this complaint is not the dispute itself, but the Equifax dispute process. 
My complaint is that Equifax clearly has my credit history and address history. However, when I try to file an online dispute, Equifax asks to 'verify my identity ' by giving me choices among credit transactions which are clearly not mine. As a result, I am told that 'The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX. ' I maintain that this is merely a scam to make it more difficult to file a dispute. I gave Equifax my social security number and date of birth. Correct information ( with one item subject to dispute ) is clearly available on the Equifax web site. 
They gave me choices which clearly do not apply. When I answered 'None of the above ' to all of the questions, I was forced to go to additional trouble to register my dispute.
XXXX XXXX2018 American Express make a hard inquiry with wasn't authorized by me I would like this to be removed as it is affecting my credit.
Sometime ago, approximately XXXX XXXX, I called and requested that they update my educational loan that had been paid off around XXXX. Next thing I know, my Equifax score dropped XXXX points. I have tried to dispute this but I get a runa round about having to file a dispute with the account but it appears the account was simply deleted and my " Age of Credit History '' has been shortened causing a huge ding to my score. On top of that, they have negative reports on an account that I do n't have the history of credit for which hurts me even further. 

I have worked very hard to get my scores back up from being financially challenged a decade ago. Equifax is the only one that is lower than XXXX and they do n't seem to want to help or since the item was deleted, they XXXX not be able to help? I am so furious that I ca n't think straight anymore about this. Please help.
XXXX has called the following cell phone numbers, using an automated dialer, in excess and without permission to do XXXX of these numbers rings to the phone being carried by my daughter who is a minor.
for the past 2 years I constantly received phone calls from a company Rubin & Rothman LLC claiming I owe XXXX {$31000.00}. 

I actually was/did have a dispute with XXXX about a loan which was only {$14000.00} as you can see it's reporting on my credit reports as a write-off ( I'm still busy disputing it with XXXX, as it was a result of a accident and my insurance didn't pay the full about. 


FACTS! 

1 ) XXXX told me clearly they will not send it to collections, and it was very upsetting when they charged it off and they mailed me a XXXX. 

2 ) Whatever the case, the amount in dispute was {$14000.00}, as you'll see from a copy of my credit reports I'll attach here. 


however, this so called licensed debt collector called and harassed me that I owe XXXX {$29000.00}, and told me on every phone call ( I wish I would of recorded it ) " WE WILL GET A JUDGEMENT AGAINST YOU AND MAKE SURE TO EMPTY ALL YOUR BANK ACCOUNTS!! '' the last 6 month I simply began ignoring them, which I was dealing myself with XXXX. 


Yesterday I though I'm going to have a XXXX XXXX, I see a Debit of {$75000.00} out from my bank account. I called my bank and they told me it's from this firm Rubin & Rothman LLC which was the plaintiff for XXXX. 


How can such a thing happen, and how can they get away with this!! 
# 1 there's no judgement # 2 if there is a judgement, why am I not aware of it? 
# 3 if there's a Jugdement why wasn't I served? 
# 4 how in the world did they come up with {$75000.00}? I can buy 5 cards with that month. Even I defaulted on 5 cars it wouldn't be {$75000.00} WE MUST STOP THIS CORRUPTION!! 

now XXXX put a hold on my entire bank account, and closed my 2 credit cards, because XXXX suspected it's fraud!!!
I have been told that NCB Management Services , Inc has filed a law suit against me in court for about 4 thousand dollars. I do not know who NCB Management Services , Inc. is, I have not ever signed anything with them and do not owe them money. I am receiving letters from attorney 's wanting me to file bankruptcy. I do not know who this company is or why they are dragging me to court. NCB Management has no records of my signature with them for any product or service. I did return a car to XXXX but the car was in good working order and it was not a repo. I returned the car because they and the dealership promised me If I paid on the car for a year I could turn the car in and get another car. I did not want or like the car I was sold. I tried to trade the car in 14 times and was turned down everytime. When I turned the car in it was valued at XXXX and the amount owed was XXXX. I do not know where they come up with me owing them for XXXX dollars to a company I have never heard of. I believe they are trying to collect fees and interest on money they did not loan or have the right to collect ; and I do not owe.
On XXXX XXXX, XXXX, I purchased a mattress and box springs from the XXXX XXXX in XXXX, Texas. They had signs all over the store saying " 90 days interest free. '' When I asked the salesman about it, he told me that they had several sources for loans with 90 days no interest. He submitted my application and told me I was approved. He printed out the contract with the loan company, Merchants Preferred. The contract was XXXX or XXXX pages long and I just had to initial XXXX page and sign the last page and the Sales Receipt. The price for the bed was {$490.00}. He told me several times that there would be no interest until the 90 days was up, and that at that time, if I had not paid the bed off, that the interest would be pretty high. He turned the pages quickly, as he commented on what a certain page was telling me, and I signed it. He also said, " Just because you are paying {$41.00} every 2 weeks does not mean it will be paid off at the end of the 90 days. '' I laughed and said, well I would n't think it would be. While I admit that I should have been more cautious, I feel like I was not given all the information in order to make a better decision. I was not given a copy of the contract either. When I called the lender to find out my exact pay-off in XXXX, I was told it was over {$400.00}. I could not believe it. I said, but I 've paid over {$200.00} on this bed already. According to my calculations, I would have owed {$290.00} on XXXX XXXX, XXXX. It was then that I told the representative from Merchant 's Preferred that the salesman never said anything to me about interest being charged during the 90 days. What she told me was that for the first 30 days, the interest is 5 % and then each 30 days it goes up. I think I was not given all the facts about the loan, and I feel like I have been taken advantage of. I am a single woman and live alone, and I do n't have this kind of money to throw away. Is there anything you can do to help me?
Experian is allowing XXXX XXXX to report a re-aged inaccurate account that does not belong to me on my credit report. This illegal tactic is allowing XXXX to report the inaccurate information on my credit file for a linger period of time. I disputed this information with Experian last year and they confirmed that XXXX XXXX verified the accuracy of the account.
I purchased a sofa from XXXX on XX/XX/17. They charged my credit card for a deposit and also made a pending charge for the balance which is not due until the sofa is delivered. They create pending charges for the balance every 10 days so that there are multiple pending charges against my credit line. CitiBank keeps pending charges on file for 30 days. XXXX  is under the assumption that the pending charge falls off after a few days. I have asked for XXXX and CitiBank to delete the multiple charges and they refuse. While I do have sufficient credit available to me for my purposes, others may not. I can see that some cardholders may be inconvenienced or hurt by this practice. They give priority to the merchant who continually places multiple pending charges on the card rather than the consumer whose available credit has been reduced.
I have a current capital one card which I use monthly, through that card they offered me another card. I applied for the card, was approved and sent the card. When I got the card it had a restriction. When I called they told me that to life the restriction they needed a hard copy of my drivers license, my social security card, and proof of residency which I could either email, fax, or USPS mail. This is unacceptable, and I will NOT provide that information to anyone and I have never had to provide that before. 
The contact information for XXXX XXXX goes to their call center in what I assume to be off shore, I was transferred a few times but no one took my complaint. 

If I were to provide that it opens me to more risk. In addition why would they not ask for that information up front. I have never had to provide this information in paper form.
Please explain to me when an adverse account stating removed date month and year XX/XX/XXXX is still on my credit report and how come transunion refuses to remove this item. See attachment XXXX XXXX XXXX # XXXX # item will be removed XX/XX/XXXX and we are in XX/XX/XXXX. According to FTC 605 ( 4 ) 605 ( c ) ( 1 ) also accuracy and fairness of credit reporting which transunion is violating by not removing this adverse account. I am requesting transunion to remove this error XXXX XXXX XXXX # XXXX # from my credit report
In XX/XX/2010 I had a ambulance ride to XXXX hospital. They mailed my bill to the wrong address and I could not submit it to my health insurance to be covered. They sent the bill to a debt collector called XXXX XXXX XXXX. This company was horribly managed and was almost impossible to communicate with or even get ahold of. After many months of trying to reach them to work out a payment plan I was finally able to get ahold of them and agreed to pay {$50.00} a month. I paid {$50.00} a month up until the Attorney General of Colorado shut them down for fraud. It appears they sold off the debt to Wakefield & Associates before officially closing doors. A quick XXXX search will confirm exactly how shady this company was if you had any doubts.

After my debt was sold to Wakefield & Associates. They went to court without my approval or knowledge and achieved wage garnishment for an amount that is almost double of my original bill. My summer employer XXXX agreed to the wage garnishment and has took % 25 of my paychecks this year.

The Debt is well past the Statue of limitation for a medical debt, Which is 3 years in the state of Colorado. It is also illegal to collect on a debt that has been collected upon through wage garnishment. 
Received an issue to go to the court within 14 days to get an appeal from the clerk, and could use help in removing this debt from my record.
It all began on XXXX/XXXX/14 with a charge of {$2500.00} by XXXX XXXX in XXXX. I was promised by XXXX XXXX that they can consolidate my Timeshare at XXXX XXXX XXXX XXXX in XXXX Fl. On XX/XX/XXXX I made the final payment {$7500.00} to XXXX XXXX. XXXX XXXX also made a later charge of {$540.00} for a product that was falsely presented to me ; a total of {$10000.00} scam by XXXX XXXX. After all this I got a notice from XXXX XXXX XXXX XXXX, XXXX, Fl that my timeshare is in collection. I lost over {$15000.00} in vacation, penalties and interest for XX/XX/XXXX. 
After investigating I found out that XXXX XXXX in XXXX could not consolidate my Timeshare in Florida. The venture with XXXX XXXX was a scam to rob innocent vacationers and timeshare owners. 
I wrote Citibank concerning this matter several times, only to be shun by them ; they then abruptly closed my account on XXXX XXXX ; jeopardizing my other accounts.
I am a victim of identity theft and Transunion provided my information to XXXX XXXX who submitted my social with a false address. I called Transunion to request they remove the credit inquiry since their dispute service online does not allow me to dispute inquiries. They told me to send a letter with several pieces of information. I sent that letter to Transunion on XX/XX/2018 and have not received any communication from them since.
I already submitted a complain about false late charges for my Hyundai Motor Finance loan. After those were removed I now have a bad mark on my credit report for being 30 days late on my XXXX payment. I made this payment on X/XX/17 and the documentation is attached. I have never been late on a payment on anything in my life and have a credit score of over XXXX, the amount of issues I have had simply making my car payment are ridiculous.
I am a consumer that is informed to the federal guidelines that credit reporting agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the credit reporting agencies to provide me with " validated proof '' that some debts I'm questioning are mine. After several requests, I have neither received the proper validation of deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers process my requests. How is this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.
I am a client of XXXX XXXX, where are my points. I make sure to pay my try my hardest to keep a close eye on my payments. My credit score has only gone up XXXX point with Trans Union. Can someone explain to me why I have two accounts XXXX XXXX and XXXX XXXX.
Citibank recently closed one of my credit card accounts without any advance notice. This credit card account was tied to Citi Thank You reward points. I had accumulated XXXX  Citi Thank You points, but they were automatically forfeited on XX/XX/XXXX when Citi closed the corresponding credit card account without informing me. I lost all my Thank You points and their corresponding value.

I called Citi card in the 3rd week of XX/XX/XXXX to file a complaint and request restoring my Thank You points ; however, Citi responded by saying that due to the time frame that has elapsed, they are unable to credit the Thank You points to my account. I called Citi card services again in mid-XX/XX/XXXX, and received a letter stating that the outstanding points needed to be redeemed within 60 days from the date of closure of Citi account. Apparently, Citi closed my account on XX/XX/XXXX and sent me the letter on XX/XX/XXXX informing me that the account was closed and that I had 60 days to use my points. However, I either did not receive this letter, or it was accidentally ignored/thrown away by someone in my household when I was out of the house for 16 days between XX/XX/XXXX and XX/XX/XXXX.

Upon further inquiry with Citi, I learned that this account was automatically closed because of inactivity for several months. While this is true, Citi needs to understand that I have two other Citi credit cards ( and my wife has two Citi credit cards as well ), all of which are heavily used for our daily small to big dollar purchases. In XX/XX/XXXX, collectively we spent more than {$50000.00} on Citi cards, and we are on track to do so again in XX/XX/XXXX. None of my other credit card companies -- for example, XXXX, XXXX XXXX, and XXXX XXXX -- ever closed my credit card accounts that were inactive for more than 5 years. Plus, we have always paid our credit card bills timely, and have maintained an excellent credit score. I explained all the above points to the Citi customer care managers on my two calls, but I am extremely dissatisfied with Citi 's response that they are unable to restore the XXXX   Thank You points I earned.
Started a request to consolidate credit cards beginning of XXXX 2016. Two months and about {$1000.00}. later which includes about {$100.00} in fax fees we give up. Nothing but request upon request for money and paper work.
After looking over my credit report I see the information is being reported wrong. So, I like to have the information reporting correctly on my credit report file. I had an account with XXXX Now that I paid off in full. But it is not being reported as so on my credit report.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asapXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX,
Was paying the original " creditor '' ( hospital ) as agreed since 2015, and was sent to collections because original creditor claims a payment plan was not set up, in which it was.
The collections agency is attempting to collect two and one half times the amount of the original debt, and informed me that " it must be interest ''. I am within my 30 days to obtain information from the collections agency to validate debt. Credit Systems out of XXXX Montana is attempting to collect a debt of {$1000.00}, and their interest is {$1800.00}.
I am a month behind on XXXX of the XXXX credit cards I have with Capital OneOn XXXX they left a message, on XXXX I talked to a human and explainedThey said ok, we will be looking for a payment on XXXXXXXXOn XXXX they left a message at XXXXXXXXI called back and talked to a human at XXXX and explained a paymentis already scheduled, why are you calling and harassing me? 
They said they would note it on my account, like the other XXXX people weresuppose to do, and not to keep calling me. 
Then, they called me AGAIN at XXXX about the same thing!!! 
I AM BEING HARRASSED!!!!!
Steered towards forbearance instead of offered an income-based repayment program. Notifications were lacking in information that my IBR was about to expire and required renewal. Loan calculation were a bit skewed, I earned an additional {$1200.00} from one year to the next due to a raise, Navient increased my loan payment by {$90.00} a month when I filed for IBR.
I recently filed a complaint about Equifax having fraudulent credit inquiries on my report. I was told to contact them in regards to this. Well, I called this evening and talked with XXXX from Equifax in regards to the fraudulent inquiries on my report. She told me to talk to the fraud department and she did n't even notice that my birthday was n't correct after I verified it with her. So I 'm transferred to the fraud department and the rep there does n't do anything to help at all. I have fraudulent inquiries on my report and these people wo n't show me how they proved that I did this nor will they help me in getting these things resolved. I also attached my drivers license which has my correct birthdate instead of the incorrect one in their system
Navient put 6 different loans and split them up and filed them all as delinquent
XXXX XXXX rep told me my request was approved that on XXXX XXXX would have no late payments on my report with any of the credit company 's I asked them 2-3 times if he was sure and he assured me