WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX. I have asked Southwest Credit Systems L.P. TWICE to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$640.00}. 
I have never had an account with XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports.They have responded with a letter and an account statement saying that they have done an investigation on the account but they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
The following inquiries were taken off my TransUnion credit report and then added back on. The law states that they must notify me that they were putting the inquiries back on my report and failed to that. I never authorized these inquiries and TransUnion took them off. They put them back on my credit report without my knowledge and did n't send me a letter saying that they was putting the inquiries back on my credit report. XXXX/XXXX XXXX XXXX 2017, XXXX/ XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2017, XXXX XXXX XXXX XXXX 2017.
XXXX XXXX I RECEIVED A LETTER FROM XXXX XXXX XXXX COMPANY CLAIMING I WAS INVOLVED IN A HIT AND RUN ACCIDENT ON XXXX ACCORDING TO THE LETTER A POLICE REPORT WAS FILED. I SPOKE TO THE AGENT THAT SENT THE LETTER AND THE AGENT STATED IT WAS A LETTER THAT THE POLICY HOLDER FILED A CLAIM STATING THAT A PEDESTRIAN WITNESSED THE HIT AND RUN AND GAVE MY LICENSED PLATE I ASKED SPECIFICALLY DESCRIPTION OF THE CAR AS THERE ARE XXXX CARS REGISTERED UNDER MY NAME, AGENT STATED PER THE INSURED A WHITE PATHFINDER I TOLD THE AGENT THAT NONE OF MY CARS MATCH WITH THE DESCRIPTION THAT WAS GIVEN THE AGENT INSISTED THAT MY CAR WAS INVOLVED IN THE ACCIDENT HIT AND RUN I TOLD THE AGENT THAT MY CAR DOESNT SHOWS NO SIGN THAT IT WAS INVOLVED IN ANY ACCIDENT THAT DAY AND TIME, AND THAT WAS A MISTAKE THT SOMEONE GAVE MY PLATE LICENSE NUMBER THATS ALL AND MY CAR WAS A NONOPERATION VEHICLE FROM XXXX to XXXX FOR SMOKE INSPECTION RENEWAL REGISTRATION. THIS IS A FALSE REPORT INFORMATION GIVEN, FRAUD INSURANCE THAT MUST BE REPORTED. THE AGENT THAT HARRASING ME WITH SEVERAL LETTERS, AND ACCUSSING ME WITH FALSE INFORMATION, NO INVESTIGATION WASNT MADE CORRECTLY TO FIND THE PERSON RESPONSIBLE FOR THIS HIT AND RUN ACCIDENT, JUST BASED ON A PEDESTRIAN THAT WITNESSED AND GAVE LICENSE PLATE THAT MATCH XXXX OF MY VEHICLE, WRONG INFORMATION AND OBVIOUSLY FALSE DOCUMENTATION INVOLVING ME IN AN ACCIDENT XXXX CARS XXXX, THAT SOUNDS MORE LIKE FRAUD INSURANCE THAN ANYTHING ELSE, DONT YOU THINK IF WAS REPORTED TO POLICE THEY WILL BE SENDING ME A LETTER, OR SEND SOMEONE TO CHECK MU VEHICLE I AM VERY RESPONSABLE PERSON I DEFINITELY WOULD 'VE STOPPED IF I KNOW I HIT SOMEONE, I FILED A COMPLAINT TO FTC FOR FALSE REPORT AND INSURANCE FRAUD. BUT I RECEIVED ANOTHER LETTER NOW FROM NATIONAL COMMERCIAL SERVICES CREDITORS COLLECTION AGENCY FOR A SETTLEMENT OFFER AMOUNT OF {$4400.00} FROM SAME XXXX INSURANCE TO BE NEGOTIATED XXXX I DONT OWE ANY MONEY, I DO N'T THINK THATS RIGHT, TO BE HARRASING ME, ESPECIALLY WHEN I TOLD THE XXXX INSURANCE COMPANY BACK IN XXXX THAT I HAVE NOTHING TO DO WITH THAT ACCIDENT.
Negative hit to most recent credit reports (  XXXX  ) without any correspondence or notification of status of account by  XXXX . Continued making payments per billing cycyle to match my usage to remain in good standing . In   XXXX   XXXX   XXXX   XXXX   I was d enied access from accessing my balance on my account online, nor make payment electronically. So I paid by mail, although I never received any further corresondence as to the status of my account. I called and was informed my account was closed, with no reason given and in that my last payment made would be refunded by along with a letter explaining my credit card 's suspension. I never received communication nor return payment. My latest credit report says the account was reported as a charge-off in  XXXX   XXXX . Still no notification at this time nor to this date  (   XXXX   XXXX  ). Only found out about charge off in accessing my most recent credit reports. I continued making payments til  XXXX   XXXX , hoping to received communication or re-gain access online for payments and account status, from  XXXX  or an affiliate, or collection agency!! Upon seeing the negative charge-off on my credit report, I immediately called  XXXX  and was transferred to a representative claiming that the only address they had was in North Carolina, BUT NO SUCH ADDRESS SHOWS UP ON MY CREDIT REPORT??? YET THEY SENT THE CARDS TO MY CURRENT ADDRESS AND RECEIVED PAYMENTS FROM ME FROM MY CURRENT ADDRESS? I am demanding the charge-off is removed immediately. Furthermore, once the charge-off is removed, I 'm willing to settle or pay off the date in a reasonable amount of time, without any further negative ploys to damage my credit standing!
Hard inquiries without my knowledge -chace -XXXX I didnt applied for any credit line for this two companies.
It 's over th e 7 y r statue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I ca ll I co ntinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 m ore yrs t
Every single day in the last 2 months Halsted Financial Services, LLC calls my number ( XXXX ) XXXX saying they are recording the call, wanting to confirm the last 4 digits of my social security number, and telling me they are calling on behalf of XXXX XXXX for a XXXX debt of {$3000.00} some odd dollars that I have not paid in 3 years. I have spoken to 3 different men at Halsted. I have told them I do owe the debt, I can not pay the debt, I lost my job on XX/XX/XXXX, I work in a very low paying field when I do work, and I will never be able to pay the debt. I own nothing, I have nothing, I live from hand to mouth. I have told them this 3 times already. They continue to call. My XXXX year old mother has this telephone near her. She is answering only to be hung up on. They ask for no one, they just hang up on her. If I could afford to pay my debt I would, but I can not and suffice it to say, they are trying to get something from nothing. Now that I have explained the situation to them and they have " wished me well '', why do they continue to call that number and harass my XXXX year old mother? Thank you!
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. 

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) c/o XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible  addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00}
Target customer services misrepresented the amount that I owed on my Target credit card. This resulted in a late payment with fees and interest. I paid the entire balance less the fees. Target continued to bill me late fees in addition to more late fees. After further attempts to resolve issue I wrote a memo informing Target that this issue is in dispute and the original late payment was a result of misinformation provided by Target employees. Target has apparently reported this to credit agencies. Your help would be appreciated.
I 'm writing to file a complaint. The complaint is brought against the merchant ASHRO for harassment. Unfortunately, the items were returned due-to defect and fit : Credit Account : XXXX : item number ( XXXX ) CLPTRA DRESSES /XL, for total of XXXX dollars. The products were returned using company label. Costumer disputes the felonious charges billed to account. XXXX dollars, plus XXXX dollars late fee, followed by XXXX per/month dollar processing fee. I disagree with the charges. I returned the merchandise in a timely manner, but ASHRO continues to harass customer with obnoxious phone calls and threats to ruin my credit. I want the calls to stop. I will forward all records concerning the matter enclosed in complaint. Please be advised.
XX/XX/XXXX, we were having trouble paying our mortgage. Now please keep in mind that we purchased this house XX/XX/XXXX for {$88000.00} with XXXX for 15 years. Our mortgage was sold and we had to refinance several times sometimes XXXX time putting down {$30000.00} to get to a payment we needed when I received an inheritence. Long story short it is now XX/XX/XXXX and we owe {$93000.00} on the house for 30 years and are again refinancing after finding out that our current lender whom stated our loan was a 15 year fixed loan in XX/XX/XXXX lied. It is currently at 48 years which would make us XXXX years old when we paid off the house that we started paying off when we were XXXX years old. we did a remodification which was intended to help us, but it did not, we have made our payments timely and our loan keeps being extended and we do n't understand. we are now going through XXXX XXXX Harp program to get back on track for another 15 years, but we have been paying consequitively since XX/XX/XXXX and owe more now than ever. Something is not right. I have gotten the run around from XXXX and Seterus whom I 've now said over {$20000.00} in two years and my principal is more now than when we started without missing a payment. Please help us. I am on XXXX, my husband and I are separted but he is required to pay on the home as it 's in both our names. we would just like restitution as we have now paid for the house 3 times over and now are restarting over for another 15 years as the modification Seterus did, DID not benefit us whatsoever. Any help or assistance would be greatly appreciated.
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are XXXX. Experian reports incorrectly that this account balance is {$50000.00}. Experian reports incorrectly that this account is past due {$50000.00}. Experian reports incorrectly this account Credit Limit is {$43000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, PNC, but both have claimed they are unable to do anything at all. PNC will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXX bank, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
Can you explain this transaction please? : XX/XX/18 Description : PRIOR DAY RET ITEM FEE- $ XXXX/ITM Amount - {$36.00} Why is there a return fee, it's my cash. Provisional credit is so I may use it as my own and that's what I did I refuse to pay a fee to use my own money. Ridiculous.
I have a PayPal account and they received money into my account, which I have had for several years and placed a hold on the funds. Refusing to give me anything. Other than what I can withdrawal with my ATM card. I requested it be wired to my account and they declined. 
They send a withdrawal to my savings account ( unauthorized ) for over 6k. But continued to refuse to release the hold on my account. 
Violation of RegCC RegZ banking laws
Capital One incorrectly sends me financial statements for someone else at my XXXX email account. I have no banking relationship with Capital One and I do not desire one. 

I phoned the bank and spoke to XXXX and Supervisor XXXX at Capital One 's call in number of XXXX or XX/XX/2018. I was told they were unable to do anything to remove my information from their systems but that I should email XXXX for further assistance. 

I have received a same-day acknowledgement on XX/XX/2018, but no follow up in 14 days.
I submitted disputes via equifax.com and after receiving emails stating they have been completed, I am no longer able to access any information about my credit. I receive notices claiming my information doesnt match theirs so i can not access my account. A month ago i contacted Equifax via telephone and they ( in very broken english ) claimed their dispute program wasnt currently working. I STILL cant access my information at all. I feel like a victim of their scam. The other two reporting agencies allow me access just fine.
Bank of America was contacted in XX/XX/XXXX by me requesting closure of my account. At this time I discovered monthly maintenance fees had been applied to my account for several prior months. I requested a refund of these fees as they were unexpected and I no longer used the account. I was informed that I would need to leave the account open and also wait to receive a call back from a manager in order to contest the charges. I did not receive a return call, and by the time I recognized the error, 3 more maintenance fees had been applied. Bank of America representatives refuse to refund any more than 2 of the 10 maintenance fees assessed. 

I consider none of these fees to be valid. I consider the addition of fees after an account closure request to be unethical, failure to return contact as promised to be irresponsible, and the resultant costs to be entirely the fault of Bank of America 's errors and ethical failures.
Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from XXXX XXXX XXXX in the past ( XX/XX/XXXX ).  No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called XXXX XXXX XXXX in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX and they were unable to provide a phone number and state that debt was sold to XXXX XXXX XXXX and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.
Ordered XXXX for XXXX for my step son. On XX/XX/2016 it said it was Delivered and left at door. Package was not delivered .contacted Best Buy immediately and asked if they could ship to Best Buy in XXXX. Which they did but they messed up and put my name and required signature. Best byybtroed to deliver two times but could n't because it was my name but the store address. Product was then supposedly delivered XXXX XXXX in XXXX ny on XXXX for pick up. Went to pick up time which was no longer at XXXX and lost. XXXX had me have Best Buy call XXXX so I could receive repayment. I was online with bestbuy when they contacted XXXX I waS told i would receive refund. Called back few days later and they had no records of any of my calls and refused to repay me. I got so mad I cancelled my Best Buy card. I than tried To call again next day lady seemed nice and understood package was lost. Since I had closed my credit card I was told they were issuing me a check that day for my refund. Now over a week later I call today they have no records of any of my calls. 'refused to give me a refund, even asked them to then overnight ship me the product i originally ordered and was told they could n't do that as well because it is out of stock. So now I paid for item I never received and refuse to pay my bill if this is is how they are going to treat a customers who spends XXXX a month in the store and never been late on payment. I also contacted XXXX today nntneh have record no f Best Buy calllong them n them notifying them package was lost and I was due a refund. Inneed help. I work hard on my credit but this is it fair
I have tried numerous of times to get in touch with this company they leave you on hold for more than XXXX minutes the customer-service is very rude then they say they can not help me. I need to stop XXXX Authorisation with this company. I will pay by money order. The customer service is the worst and i read bad reviews about their customers service.
I was not aware that a medical collection was on my credit report until I apply for credit. I contacted the collection agency to no avail and learned it was a hospital debt that I paid. I contacted the hospital and they confirm the debt was paid. I again contacted the collection agency to follow up with the hospital and they refuse. I also requested a copy of the debt and the collection agency refused.
On XX/XX/XXXX - I contacted Bank of America 's mortgage customer service line in efforts to make automatic drafts out of my account on XX/XX/XXXX and XX/XX/XXXX. My monthly payment is {$720.00}. The representative I spoke to put in the system the dates I requested and provided me with 2 confirmation numbers. On XX/XX/XXXX I received an email stating that BOA had not received my promised payment and that I needed to contact them immediately. I called BOA to inquire why the payment was not drafted from my account they responded by saying that my property was in the process of being foreclosed on. I asked if I could make a payment right then and there they stated no because of it's current status. I was then offered an opportunity to apply for a loan modification I received the necessary paperwork to apply for the modification and now a WEEK later there is a sale date on my home. It's like I never had a fighting chance to get my account current
I have submitted numerous requests for verification of my accounts with XXXX XXXX XXXX, and Experian, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.
On XX/XX/18 my husband obtained an installment loan with Credit Central for {$1400.00} and paid it off in full on XX/XX/2018. I have nor my husband have not had any other loan or done any other business with Credit CentraXXXX since. On XX/XX/182018 an employee of Credit Central knocked on my door at my home asking for my husband and stating that he obtained a loan in XXXX. My daughter informed her that XXXX XXXX was not home to which she stated that someone needed to call him. My daughter told her that she would not be calling him and attempted to close the screen door but the employee stopped the door and stated that either we could call him or she would just be sitting outside. She walked back to her car screaming get him on the phone with explicits and my daughter closed the door. I walked outside and informed her we did not have an active loan and asked her to leave my yard. She begin yelling explicits and stating you should have paid your loan. She then proceeded to degraded me call me broke and even went as low as to calling me XXXX slurs. By this time my neighbors had come outside. The whole thing was highly embarrassing. As she drove away she rolled down her window and stated that she would be back and have her guys with her. I have never been through such a disturbing experience in my own home. I called the store to which they admitted that we did not have an active loan and they were looking for a family member who does not live in my home. The way they degraded me and my family and even threatened to come back to do it again is unacceptable. Please help.
A mortgage that was terminated by a Deed-In-Lieu agreement with the credit union is being reported by Experian as a foreclosure. Additionally Experian is reporting that the deed was not received by the creditor until XXXX 2014 when in fact it was received in XXXX. Separately on the same report, Experian is reporting my home address as a commercial address adding a fraud warning about this. Several attempts have been made to have the information be reported correctly, including sending Experian a copy of the Deed-In-Lieu, however Experian refuses to remove the incorrect information.