WillisBack/dataset-financial-user-claim huggingface dataset:
I pulled my credit report from XXXX and XXXX XXXX and an unauthorized entry from AD ASTRA RECOVERY SERV. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. AD ASTRA has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. This entry must be DELETED from my credit file.
I attempted to use my American Express card on XX/XX/XXXX. The attempted charge was declined by AMEX. I called AMEX to check the status of the card. AMEX stated the account was closed because AMEX received a letter stating the account was created fraudulently and the card holder wanted the account closed. Without notice, explanation or permission, AMEX closed my account. 

The account is in good standing and payments are made timely. I have had the account since XX/XX/XXXX. 

I did not ( nor did anyone I know ) send a letter to AMEX telling them to close the account. AMEX is aware of my concerns and suggested that I file a police report. 

I suspect that the letter ( which AMEX would not release ) contained enough sensitive information for AMEX to act and close the account. Which means the party that filed the letter probably has my DOB, SSN, address, account numbers and other sensitive information.
The collection company ACCOUNT RESESOLUTION CORP. Balance Date XXXX/XXXX/2017 and is attempting to collect on a medical bill from XXXX Clinic in the amount of {$39.00} of which, they have no right to collect. This bill was paid in full to the hospital directly. I disputed this information on my credit report yet, they are reporting that the collection account is open and validated according to the FCRA. on my credit reports to XXXX and XXXX. This is fraudulent information. It is apparent that the collection company has failed to do their due diligence in validating this debt and are inaccurately reporting this debt. If they fail to completely remove this collection account from my credit report, I shall file suit in the State of Arkansas and sue for damages to my good name, and for damages to my financial situation.
I have attached a word document showing the information currently being reported on my credit report as of XXXX/XXXX/2017
I am a cosigner on a loan with my son at USAA. The loan was for a {$67000.00} signature loan taken out in XX/XX/XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex wife and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, USAA charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 150 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that USAA took a payment on XX/XX/XXXX and subsequently returned it to my son. USAA never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

USAA is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
I would like to remove the BK off my CB that has past its time frame of limtation.
On XX/XX/XXXX, i had my credit report ran and noticed a medical bill was {$100.00} was on there through XXXX XXXX. I called the number on credit report and found out it was a medical from my previous primary doctor when I lived in Indiana nearly 3 years ago. I never received any letters from anyone pertaining to this bill. I did pay this bill off and asked the debt collector if this could be deleted from credit report and all they would do is show it paid in full.
I am being billed by a company called Paypal Credit for a charge on a deferred purchase BUT I never requested the different payment account. I pay all my credit card bills for purchases in full. I received statements saying I had a zero balance and so, just filed them away. Then I started to receive bills indicating I had late fees and interest due on a paypal account. I called the customer service number and a person said they would reverse the fees and account needed a payment to close the account for a purchase. I authorized the payment to pay for the purchase and they said my account would be closed. The account was not closed. And I received another bill for additional {$35.00} late fee. I figured the payment crossed in the mail/processing of the prior payment. I ignored that bill. Then received another bill for {$35.00} I called customer service again. They said the account fees would be taken care of. Now I keep getting bills for late fees of {$35.00} on ZERO purhcases. I tired again to find out what might be a legitamate charge and was advised that {$38.00} would resolve the past purchases. I authorize that amount and was assured by CS Rep that all would be reversed by her supervisor and account closed. That was 10 days ago and thus far, the account is still opened and now the fees are up to {$180.00} with no evidence that my payments have ever been credited. This company is apparently a SCAM.
XX/XX/XXXX It was the fifth time I tried to solve american express XXXX XXXX XXXX XXXX problem and got denied. Currently American express owned me more than XXXX points. ( Base+Bonus ) There is an enquiry opening but there is no result. XXXX can not follow their policy give me the points that I spent and use on the card. XXXX only eager taking the year fee without giving me services. 


The last time supervisor I talk to XXXX at XXXX XXXX central time. Still they only give me trouble without help me. Not even able to give me the base points ahead. 

I got a answer only to wait, any potential solution has been denied.It is shame to pay around {$100.00} member fee for nearly nothing.
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Well you would think that we would have had enough with the last debacle with PNC regarding financing a home. I was assured and promised that if I gave PNC another chance it would be much simpler. That has proven not to be the case. 
I reached out to PNC to finance a home who I had originally financed through and had paid off in XXXX to pay for charges the city is mandating regarding the home be connected to the city sewer versus the septic it is currently on. 
I explained the property and the amount that was needed and started to go through the process then ran into some issues to say the least. 
I have been charged {$660.00} for an appraisal I never received on a Module home located at XXXX XXXX XXXX in XXXX XXXX that was originally financed through PNC. After I paid for the appraisal and had a lengthy conversation with the XXXX prior to him even coming to appraise the home explaining it was a module but was on a permanent foundation and on land that is owned, I was then told that PNC does not lend on module homes any longer and I would not be getting my full refund of the appraisal I paid for only a portion as I had to pay for the so called trip charge that was {$270.00} for him to drive from XXXX, Ohio to XXXX, Ohio which is XXXX miles or XXXX minutes. 
Then received a call from XXXX XXXX XXXX stating his apologies with Good news/Bad news information and then said he apologized but couldnt do the financing on the said home but definitely could do financing at a better rate on my home ( XXXX XXXX XXXX XXXX I use as a second and I agreed to then have that XXXX appraised. Not only did PNC not use the original XXXX I had originally paid but yet another XXXX and I was charged once again another {$500.00} ( money was taken off my credit card that was originally used for the first appraisal ) So XXXX weeks later and {$770.00} paid, I now still do not have a copy of either appraisals I have paid for ( {$600.00} paid XXXX/XXXX/XXXX with a credit back of {$330.00} on XXXX/XXXX/XXXX as I had to forfeit the so called trip charge as well as another {$500.00} on XXXX/XXXX/XXXX ) I am now being told that even though I own my houses all paid in full that I will need to do approximately {$20000.00} in work to obtain any kind of a loan on a home that has XXXX acres and was originally purchased for {$140000.00} for ridiculous repairs. Im being led to believe it isnt worth financing at all even with what the property alone is worth currently. 
Search XXXX XXXX XXXX Ohio properties for sale, including Farms, Ranches, ... the average value of land and acreage for sale in XXXX XXXX at {$23000.00} per acre. 
I would like both appraisals credited in FULL by PNC or be given both appraisals I paid for then I will be filing my grievance with CFPB/Consumer Financial Protection Bureau. 

I no longer want to do any further business with PNC and just want the money I have spent so far returned so I can work with a bank that is willing to help finance one of the homes I presently own in full. 
Sincerely, XXXX XXXX XXXX
I was a victim of identity theft and noticed a collection from DIVERSIFIED CONSULTANTS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against DIVERSIFIED CONSULTANTS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
sooooooo happy payal is finally going to get what they deserve. Basically they need more checks and balances. I thouht i was paying for a product with my own card but somehow was setup as a paypal account. I had to close it as they kept charging late fees and not honoring at all the postage date. I just made my last payment last week and I could n't be more thrilled to be done with them. Please please please becareful if you are purchasing something that site is linked to pay pal, they will somehow get you.
I received a letter from Avant informing me that I was pre-approved for a loan in an amount between : {$1000.00} and {$25000.00}. I logged into the company 's website to check my rate as instructed. When I did so, I was immediately declined without reason. Moments later I received an email titled " Notice of Adverse Action '' from Avant, informing me I was denied. Additionally, I was told to contact the Application Review Manager at XXXX XXXX Avant to request a reson for the denial. Lastly, the company informed me that they obtained my credit information from XXXX, the basis on which they made their decision. Why did Avant decline my loan request after notifying me four different times in their unsolicited letter that I was pre-approved? Why was I not informed that the loan was provided by XXXX? Why did the company run my credit report, when I was told at the outset that my credit report would not be affected?
I continue to receive phone calls from XXXX. When I call back they answer " XXXX '' They are looking for someone else. I have told them NUMEROUS times I am not the person they are looking for and to remove my cell number from their records. They always say they will and then the phone calls continue. this has been going on for six months. When I call back they will NOT give out any info on the Company making the calls and Hang up on me!
During a VA streamline refinance with Pacific Home Loans, we were told not to make our mortgage payment and I was told to date a document one day before without knowing why. I complained to a manager and manager said it is common practice to tell customers not to make a payment once loan is final approved and going to docs. I was told not to make a payment a month before we received a final approval. We almost missed our payment and would have caused us a 30 day late. Our final loan disclosure did not match the loan disclosure we received at closing and did not see a principal reduction or a check for the amount of XXXX. We were told for over a month that we were in docs but never received a call from a processor until a month and a half later. We were lied to consistently.
XXXX XXXX XXXX  XXXX XXXX is the original creditor. 6 years 2 months ago my contract was over with XXXX XXXX XXXX I called and cancelled my service. I made it clear that I did not want to cancel before the contract was over ( unless they agreed to release me from contract ) and was told that my bills were paid in full and all requirements of the contract had been paid in full ( and or complied with and completed ) including a no obligation for fee 's for phones. Debt collector AFNI has reported a debt to the credit reporting agencies under my SS # in the amount of {$940.00} for a debt they say I originally owed to XXXX XXXX XXXX XXXX XXXX. This debt was paid in full and contract with XXXX XXXX XXXX was exhausted after all contract requirements were completed.

I would also like to put on record that XXXX XXXX XXXX did not have service within 30 miles of my home for the last four months of my contract with them. I did not use my phone for several months because they did not have the ability to provide my phone with service at my residence or place of work or the local town I lived ( live ) in. XXXX XXXX, XXXX  County California. I asked XXXX XXXX XXXX to please end my contract early and they refused. I paid my bill for three months with no services being provided by them to me. I did not cancel my contract with them and waited to disconnect XXXX XXXX XXXX service until my contract was over.

I am requesting that this charge of {$940.00} on my credit report ( reported by AFNI ) be removed.

Thank you!

Respectfully, XXXX XXXX
XXXX XXXX XXXX  listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Navient has made XXXX phone calls to the above landline over the course of XXXX hours trying to reach our daughter XXXX. They have been repeatedly told that she is studying at a university in XXXX and can not be reached at this number yet they persist in calling and can not share any information with us. We would like the phone calls to stop and we have asked them to do this. This is the XXXX attempt they have made to contact her. There has been no mail or email.
I would deposit large sums of my paycheck into this account to save money for future bills or purchases and also as an emergency fund. Nobody was on the account or authorized to access this account. It was in my name only and until an employee,  XXXX   XXXX , while working as an employee of  TD Bank had given my account information and balances to my wife which caused me to get kicked out of the house and divorced. This has caused all sorts of financial and emotional turmoil. I contacted the bank and filed a grievance. An investigator  called me from the bank to take down my statement. I have not heard from the bank since, but have learned that the employee was fired over it.
I have tried to call multiple times to cancel my subscription with Experian ( {$24.00} ) per month and after spending several hours waiting for someone to answer the phone I have been disconnected. I have tried to switch my credit card number ( one that isn't authorized to them to charge and it is still charged. My banking institution has informed me I can not depute the charge because I authorized it originally.
The company has failed to validate this collection for XXXX XXXX. The company threatened to take me to court to obtain another settlement.
Hello, I would like to lodge a complaint regarding all three major credit bureau 's ( XXXX, TransUnion, and XXXX ). Looking over my credit reports at the beginning of this year I was worried by some of the problems on my credit report that I feel is inaccurate and false information and should not be on my credit reports. I then began investigating information on the Fair Credit Reporting Act and started sending off certified letters to each of the credit bureau 's. Each time I have requested complete proof from each of the bureau 's, all they could say was that the accounts have been verified and would remain on credit report. This is still violating Federal Law and now I seek litigation in regards to these responses and would like this handled promptly. I asked that I could see a copy or be provided a copy of the " original SIGNED consumer contract '' with my signature on it in order to be tied to those accounts. I will not take all the bureaus ' words for it and allow them to verify through the creditor 's word. 
After receiving the second letter from XXXX stating that they will not re-investigate the accounts due to already being investigated once and talking to XXXX over the phone and not getting anywhere in the results I am looking for, I then began looking for a way I can get this properly executed and resolve my issue. What the Bureau 's are doing is not the proper way of completing an investigation especially if I can not see proof of their investigation that shows they have obtain or seen a consumer contract with my signature on it. It is already past 30 days for all of the credit bureau 's and they have not followed the Fair Credit Reporting Act to the " T '', which includes not verified accounts needs to be removed immediately and I feel I am getting no where. Please I would like your help in following up with my complaint and get this resolved for me. I was having a very hard time trying to get into another vehicle and now I am stuck in a really high interest and high payment because what is weighing my credit down is accounts that are n't even mine that are on my credit report. Below I have attached documents or letters that I have sent to each credit bureau of everything that is unverified on my credit reports and also pictures of certified receipt 's showing the dates. ( NOTE : I will submit this complaint 3 times, for each bureau, and include each separate attachments ). In the letters, the second page of each letter is a section that I have signed and have had the notary at my bank notarize the letters to show that I am who I say I am. Please review the attachments and please help me resolve my complaint promptly. Thank you. 

P.S. I was n't too sure what bullet I was suppose to choose that " describes my issue. '' So I chose what I feel this issue would fall under best.
Ive repeatedly told pro collect that this debt was not mine and that it was fraud. I sent over the needed documents to prove my case but they ( pro collect worker ) told me to just pay the outstanding XXXX $ balance anyway to clear it off my credit report. I refuse to pay something I know I do not owe. The landlord remade the contract stating I worked for an XXXX  company and that I did not get out of my lease by using my orders from the military which is false. They also signed my name and put my children information on the false document. 
The debt is from XXXX XXXX The date is XX/XX/2016 They refuse to remove from credit report and tried to force me to pay it even with the evidence showing the bill is in fact fraud. I also filed a police report with XXXX XXXX Pd who did the handwriting analysis who determined that the documents presented with my signature is in fact fraud.
I filed several times before complaints against " XXXX '', " XXXX '', " Equifax '', " XXXX '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " Equifax '' decided to take a Revenge against me by Re-age on XX/XX/XXXX a 2006 deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " XXXX '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XX/XX/XXXX, b ) XXXX account # XXXX i closed it on XX/XX/XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???
I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to. 

I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it. 

Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do. 


My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XX/XX/XXXX and was told it would be resolved in a few days My current mortgage company called them again on XX/XX/XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation.