WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/17 XXXX XXXX XXXX, XXXX notified me by email that they were collecting balance due on credit card on behalf of American Express. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
XXXX XXXX XXXX notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our contracts. Which we solely depend on to do business. 
XXXX overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.
During the month of XXXX XXXX we attempted three times to pay a monthly car payment if {$570.00} to Ally Bank. The representative and her supervisor said we had to make the payment in a completely different way. We were told we had to obtain. XXXX XXXX. We tried to negotiate and come to a resolution but the Ally representative became mean and very disrespectful towards us. I filed a complaint with XXXX XXXX. We received a phone call from XXXX with Ally Corporate. She stated that she would be looking into our complaint but asked if we could pay the XXXX payment. I explained to her that it was the XXXX of XXXX and I was trying to pay XXXX 's payment. She was confused and was ordering a complete audit of the account. We heard nothing until XXXX XXXX when a tow truck arrived at our house to repossess our car. Our account number is XXXX and we lacked four payments to complete our loan. I asked for a loan modification and was denied on the spot. I was told that Ally was not a bank. In XXXX I asked our Congressman for help and was told there is no government office that could assist us. You can teach us via phone XXXX with any questions! Thank you for your time and attention paid to our situation.
I filed a complaint with your agency and Bank of America never responded to me about my complaint regarding placing a freeze on my account without any correspondence in the mail or a telephone call. There is still a hold on my account and when I called them they said that is under review with no further information.
On XXXX/XXXX/16 my account at XXXX XXXX was drained to {$0.00} and below with bank fees. I contacted XXXX XXXX and they explained that there was a court order for the funds in my bank account. Prior to XXXX/XXXX/2016 I had no phone, mail or email contact that there was a collection in progress or that I owed money from any collection agency or XXXX XXXX. The bank told me to contact the lawyer info listed under the deduction on my account. The deduction info read, " LEGAL ORDER DEBIT - CONTACT XXXX XXXX XXXX '' I contacted the number of the legal aid listed. The number late turned out to be a collection agency called Remit Corporation. I immediately called number and my call was not returned until the afternoon of XXXX/XXXX/2016. They refused to give me any info into the alleged debt and refused to communicate by email or regular mail so that I could have a hard copy ; only phone. I asked for the court order that gave them the right to take my funds and they gave ; Docket # XXXX. 
I contacted the XXXX County Court and there was no legal action for this docket number. It is my allegation that Attorney XXXX gave my bank a fraudulent docket number so that Remit Corporation could fraudulently remove funds for a debt that I did not owe.
we have been trying to resolve our mortgage problem with a deed in lieu of filing. To this point we have signed all the paperwork and vacated the property. We were participating in the " cash for keys '' program. All the paperwork we have signed and submitted states the property must be in broom swept condition. Also we were told that as long as the property was vacated in broom swept livable condition we would receive some compensation. Now that the house is signed over and out of our control we were told that because we left items in the house we will not receive any compensation. All the items left were usable by the next owner. we were never told that the house had to be empty to the walls ... I have called my account manager numerous times and never get a call back I always have to contact them. My last contact was 11 days ago and I have still heard nothing.
I went to a dentist XXXX for a estimate to have my XXXX replaced that were missing XXXX. They realized it was XXXX and said that if I fix my teeth with them they would collect it from the insurance through subrogation. They never discussed ANY cost for anything nor did we discuss a cost for initial consultation. They gave me a price and I left ... I continued to get estimates and had another dentist quote a lower amount. They were also closer to our home. I chose them to do a XXXX missing in a accident. A month later they billed me XXXX. We discussed it and they said it was a misunderstanding bur still expected me to pay it. I said no ... I never agreed to it. They turned it over to a collection agency as a debt for my daughter ( yes for my daughter ) in my wife and my name to a collector.
We obtained a retail installment loan to purchase a water treatment system for our house. That was in 2016. I have copies of the agreement. 

At no time was I advised that there would be a UCC financing lien placed against my property. When I started the sales process I was advised of this issue. 

I then had to pay the loan off completely in order to sell the house and transfer title. I was not in a position to do this and it has made me unable to complete the financing of a property I was attempting to buy. 

I feel this should have been disclosed to me at the time of the agreement. Company is XXXX XXXX XXXX XXXX, sold to XXXX XXXX XXXX then a credit union to service the loan. 
Date : XX/XX/2016 {$6200.00}
GM Financial reported to the credit bureau 's ( XXXX, XXXX, and XXXX ) account 30 days past due in XX/XX/2017. I am the co-signer on the account and I was not notified by GM Financial that the payment was delinquent, thus I was not given the opportunity to make the payment so the account did not become past due ( XXXX ) days. I was not aware of this delinquent payment until I was alerted by XXXX XXXX that my credit score had changed. When I investigated to the cause of the drastic decrease of my credit score I discovered it was related to GM Financial in regards to the loan I was the co-signer on. I immediately contacted GM Financial customer service by phone and payment was made to account for past due amount. I asked the customer service representative why I was not contacted ( my phone number is on the account ) to notify me that the payment was 30 days late, and I was told that the primary person on the loan had been contacted by phone and a payment arrangement had been made, and that XXXX XXXX policy is that once a payment arrangement was made with the primary contact no further phone calls are made. My credit is now effected for 7 years for a late payment even though I was never contacted giving me the opportunity to make the payment before it was reported to the credit bureau 's. I had a very good credit score until this delinquent payment was reported by GM Financial to the credit bureau 's. Between phone calls with GM Financial and contacting the credit bureau 's, I have spent several hours to dispute this and request to have this derogatory report by GM Financial be removed/forgiven. My disputes have been denied and you are my last hope of fairness to repair my credit to the very good standing I had prior to this one instance. I believe that GM Financial violated my rights to protect my credit rating by NOT contacting me.
I have a loan with Wells Fargo Dealer Services XX/XX/XXXX and I was paying roughly XXXX every month for the loan they raised the payments to XXXX a few months later. I got my hours at work cut by half and had trouble making payments to my other bills shortly thereafter. I kept the loan with them in great standing making my payments on time given the circumstance. I had family hardships with a family member being injured and not being able to work since XX/XX/XXXX my monthly expenses grew even more so I started falling behind on the loan. I was able to get back on track with the payments by setting up a payment plan but as a result of making partial payments I was deemed late and it showed on my credit report. I tried to see if they could help me out with some goodwill on removing those off my report but had no success. I'm currently trying to improve my credit and I'm hoping this could help clear up some of those marks against me to get a better job in the future.
I did n't realize that online payday loans were illegal in Kentucky if they did n't have a store front. They had it hidden in their paper work that they can garnish my wages. Because of the large interest fees it is difficult to pay this loan off.
XXXX XXXX Services is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.
XXXX continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

XXXX reported in XXXX XXXX, through CFPB that my account was at a zero balance until XXXX XXXX, XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.
On XXXX/XXXX/16, I submitted an online application to refinance our 1st and 2nd mortgages to reduce our APR and shorten the term of the loan from 30 years to 15 years. When the appraisal came back $ XXXX under estimate, we were presented with a couple of options to proceed. Since continuing 'as is ' would cost us {$270.00} add'l per month, we chose to increase our rate and use the excess funds ( originally intended to payoff the 2nd mtg ) to payoff cc debt and do some needed home improvements, saving $ XXXX in pmts and leaving us with some cash in the bank. I called to inquire about changing the loan details for the payoffs and was told we 'd receive the check anyway, so no changes were necessary. At closing, I confirmed with the notary that the check would be sent to our home address. I called title prior to closing to confirm that the check would be XXXX XXXX to our home address. We did not receive a check because eLend wired it to our XXXX and paid off our 2nd mtg - saving us ZERO in monthly expenses. We are still left with existing cc debt at $ XXXX, the add'l pmt for the XXXX at $ XXXX, outstanding home repairs, and no cash cushion in the bank. Had it been made clear that we would not be receiving the check for $ XXXX, we would not have included this in the refi, and would 've simply refi 'd the 1st mtg only. 
I feel that we were mislead, either by miscommunication or omission, with regard to the final steps of this loan process. Had the closing disclosures specified to whom the payoff would go ( ie : '2nd mortgage ' or XXXX & XXXX XXXX ' ) it would have been an easy correction to make when we signed with the notary and could 've easily rescinded and restructured the loan during the 3-day ROR period.
The credit card company in question ran my credit without my permission at a random time, then canceled my card even though I had good standing credit with them,. I was not late, delinquent or otherwise. My payments were current. I have never been so insuleted and appalled in my entire life! They did not have permission to run my credit and I did not ask for my account to be closed! Now my credit score has been altered due to an account being closed!
My former mortgage lender, Chase Bank, is foreclosing on my home, even though they sold the mortgage to another bank ( XXXX XXXX XXXX ) two years ago. I receive statements from XXXX and Chase Bank has no longer any legal interest in the property.
I HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # CAPITAL XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX IXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.
I was victim of the " Inquiry Issue '' Section 6 '' 11, when items are removed a five day notification must be given to you before putting back on your report. Notice was n't given and they items were put back on my credit report by Transunion. 1. XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX. 6. XXXX XXXX XXXX/XXXX/XXXX. 7. XXXX XXXX XXXX/XXXX/XXXX. I reported the problem to Transunion Credit reporting company nothing has been resolved.
I have had a very difficult time with CHASE. I have applied for a modification 2 times and have been denied. The process with CHASE has been very confusing and dysfunctional. I always had to speak to different representatives, and never got the same answer. Now after 6 months of trying to save my home with a modification we have been given a sale date of XXXX/XXXX/XXXX. I feel like CHASE has a slow system and now has slipped in a sale date at the last minute.
My school is XXXX and is located in XXXX, Illinois when I first called into XXXX they were so anxious to get me in. So the XXXX day I came in my guidance counselor told me that no matter what I will be able to get a job anywhere and if I decided to go to another school that I will be able to transfer my credits. At this moment in time I had told him that I was pregnant. He told me that was fine and that I would be able to get maternity leave and I will be able to finish my schooling. He also called me at very late times and early times to, everyday it was getting annoying, saying that he was making sure I was going to school. So I did my 6 months and I was already 8 months pregnant XXXX my teacher also knew this they insisted I stay my whole semester, I also had doctors visits frequently so I was ready to do my maternity leave. I did try to come back I could n't because I was told that they were closing shutting down. I talked to the president of the XXXX, IL campus and she told me that I would be able to come back they are just renovating. I 'm a mother of XXXX XXXX I was really hoping on finishing the goal I had set for my family, and they ruined that for me. The main thing was also telling me that my credits were transferable and no collages take them or accredited schools take them. I 'm so disappointed from the debt to the teachers and how they run their system. I Ca n't pay the student loans they are asking me for especially when they lied, cheated, and made false promises off my dreams.
Contacted XXXX XXXX in XXXX, XXXX, and XX/XX/XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX thruXX/XX/XXXX have been trying to get report or company with no results this is for Experian. I am very consen because of the breach of credit.
I noticed this debt added to my credit report in XX/XX/XXXX. I have not received any notices, letters, emails, or phone calls in regards to this debt from Diversified Consultants of XXXX, XXXX I 've disputed it with the credit reporting agencies. It shows it was added XX/XX/XXXX, but I am very aware and check in regularly with the credit reporting agencies to stay on top of what is being added or removed from my credit. This debt did not appear until XX/XX/XXXX. I have not been able to reach anyone or get a returned phone call from any representative of this organization, even upon request. I 've also emailed requesting proof or documentation of this debt and to speak with a representative. I still have yet to get any correspondence of any kind. It states that I owe the amount of {$160.00} to XXXX XXXX XXXX. However XXXX XXXX XXXX has not contacted me via email, phone, or written notices. I recently had XXXX company removed stating that I owed {$160.00} to XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX were XXXX account together. It was a bundle package, and was only XXXX bill/statement for both each month. This is harmful to my credit as it shows as a derogatory mark. I ended the services with them in XX/XX/XXXX, so I do not understand why almost a year later this would surface on my credit without any notices, letters, calls, or emails from XXXX XXXX XXXX or Diversified Consultants. XXXX XXXX XXXX has all current information to contact me and I have n't received anything from them. If this is in fact my debt I will pay it, I would just like documentation stating why I owe this and for what service. As I stated I ended services with them back in XX/XX/XXXX. Thank you, XXXX XXXX
Received call at work from " XXXX XXXX '' at XXXX and XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good XXXX XXXX.
I received a credit alert that a collection agency known as IC System stated I owed them a debt of {$610.00}. I was not aware I owed a debt to anyone. I contacted them immediately. The debt belonged to a power company I had n't used in several years. IC System said if I paid off the debt immediately it would be removed from my credit report and not further reported to the credit bureaus. They promised me this debt would be deleted. I paid it off immediately. IC System still reported it to the credit bureaus. I called IC System and they verified the debt was paid, but still they did not properly report this to the credit bureaus for removal. It has been several weeks since I paid this debt in full and the derogatory remark remains on all of my credit reports.
A deposit for the amount of {$2300.00} was sent to my account XXXX during the XXXX. That evening I wrote a check in the amount of {$300.00}. The following morning I received a NSF notice. It showed the {$300.00} had been paid, but the fee was charged because of " posting sequence '' I call and spoke with customer service and was told the fee would not be returned. While on the phone on the representative I noticed the {$300.00} was credit back to my account. I ask to speak with a supervisor and he stated that " they tried to pay the {$300.00}, but were unable to ''. So, now I really confused. I do not if BOA actions are illegal, but they are definitely unethical.
AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Hello CFPB I am writing about my account with citibank. My account was closed due to inactivity but i never notified or informed that it will be closed. This is my oldest account since 2012 i really can not lose this account because it will have significant effect to my credit overall. Please intervene to reopen my account. Thank you
XXXX XXXX XXXX in the amount of {$1200.00} in a checking account i was making payments using another checking account number but i kept accidently using the wrong bank and it kept over drafting me these were not my fault on this amount please remove this and remove the charge off from my credit report as i asked several times. i want to escalate this higher if this is not resolved in 15 days if CFPB will not take care of this matter i will gather all my information to my lawyer on XX/XX/2018 On this date i will get a lawyer because of this i lost my most favorite bank i have recommended XXXX XXXX to tremendous amount of people in my business. Remove my Charge off from my credit report and let me continue a relationship with XXXX XXXX XXXX and this problem will never happen again.
Equifax security breach XXXX 2017. I was affected and now my personal information may have been stolen and used against me. Equifax needs to be held responsible for this egregious failure.