WillisBack/dataset-financial-user-claim huggingface dataset:
I attended XXXX XXXX in XXXX, NY from XX/XX/XXXX-XX/XX/XXXX. During that time XXXX XXXX took out fraudulent loans on my behalf without my consent. These Loans were with XXXX  of XXXX XXXX, CA and the proceeds were paid directly to XXXX XXXX without my knowledge. One was opened on XX/XX/XXXX and shows a balance of {$3600.00} owed on my XXXX   report. I disputed this loan as fraudulent in XX/XX/XXXX. The second loan they are listing on my XXXX report was opened on XX/XX/XXXX and shows a balanced owed of {$6800.00} dollars. This loan was disputed as fraud in XX/XX/XXXX. 

I have checked my credit report and I see that this company is reporting occasional on-time payments on both accounts. I believe that this is fraudulent act and they are attempting to circumvent my rights. They are trying to not let the accounts age so that they will not reach 7 years. They will be able to keep reporting these bogus accounts indefinitely. 

I also believe that they are trying to circumvent my rights under statutes of limitations afforded me under laws in my state. Beyond original contact with this company in XX/XX/XXXX after refusing to pay and denying ownership of these loans they have not contacted me. 

I have never made a payment to either of these accounts. There has been more than seven years of inactivity on these accounts and there hasn't been any contact between me and this company in more than seven years. They should have already been removed from my credit report. 

On my credit report they list themselves as : XXXX - XXXX  XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Never received anything from the debt collector. The right to dispute, who they were, amount owed, or nothing at all from them. We got the first phone from them end of last week and tried to call back that day but was already closed. Got another call Monday and called back and spoke to them. Found out that the info is wrong on the account. My fathers SSN is on the account and he is not connected to any of my stuff. I called the place that originally had the account to confirm that they have the right info and they do n't even have my SSN on my account so was not sent to creditor like that as they claim. And because I was never notified of they creditor or anything from them I have not made a payment bc I did n't even know they had the account until I just got a phone call. And so this whole time they have been reporting it to my dads credit which has hit his credit big time and he had excellent credit. They should t of reported anything bc I was never even notified for one and for 2 his XXXX should not be on the account, mine should be. We have tried to get them to remove his social and at first was told it ca n't be and then I talked to XXXX the supervisor who was very rude and said he can and it will take XXXX hours and they will report it to min but should n't be reported period bc I was n't ever notified of the debt or given a chance to dispute it. They received the account back in like XXXX XXXX and it 's XXXX XXXX now and this is the first I have heard of them ever. XXXX said " he will do what he wants when he wants and there is nothing I can do about it ''. I do n't appreciate the unprofessional communication especially from the supervisor. And they are not willing to correct the issue and work with us. So we are asking for your help to get this resolved. I have been paying on the account but bc it was n't paid off in 120 days it got sent to them but was never notified by them of it and who they are.
XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it.

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine!

XXXX - XXXX  - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine!

Diversified Consultants - XXXX - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX  collections???? OMG!!!! it is not mine!

XXXX  - I CURRENTLY HAVE XXXX   FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Castle Payday Loans outsourced my account to a third party company called  XXXX    XXXX   XXXX   at  XXXX . They phone d one of  my phone numbers on  XXXX / XXXX / 2017  making false communication tactics threatening that they were going to serve me a legal summons today and I was to call them to verify information and if I did not I would be served with legal proceedings. I attempted to contact them back to get more information and they provided rude threatening comments that I would be sued and served a legal summons if I did not comply.
{$2000.00} false amount, no contract with company, not my account, not licensed in sc
I Refinanced my Discover Student Loan. My new lender XXXX XXXX   issued five ( 5 ) checks to cover the five ( 5 ) loans. One check was for {$13000.00}. and Discover Student Loans only posted {$10000.00} to my loans. ( difference {$3200.00} ) Discover is unable to tell me where remaining money was posted to. 
They keep telling me the check was {$10000.00} ( which is amount they posted ) However, we have original copy of check and the amount was {XXXX}, XXXX. We have uploaded a copy of this check to Discover to prove the amount of check. 
I have called three ( 3 ) times to get this resolved. I was assured that this was being sent back to be reviewed and would be resolved in 3-5 business days. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
I spoke with XXXX at Discover Student loans on XX/XX/2018. 
They all assured me that they are sending this back for review and should only take 3-5 business days. Still not resolved. 
Today I received email from them to inform me what the current payment on balance would be. Plus they added interest charges on this {$3200.00}. 
The five ( 5 ) checks that XXXX XXXX issued to them were all cashed by Discover in full.
I was refunded {$3000.00} for a canceled cruise. The credit hit my account on XX/XX/XXXX. The money was available to use for point of sale purchases. On XX/XX/XXXX I put a request in to transfer the money to my checkig account. I was advised that it would be complete within 3-5 business days. I called back on XX/XX/XXXX to check the status and was advised that it is still under review. The rep stated the funds were still under review to make sure the refund was valid and could be processed. My account balance states XXXX. I have been using the funds to conduct point of sale transactions which they make money off of but it is frozen for me to send to my bank account. I asked if I could do a cash advance at my bank to obtain the funds and they said I can but it will be a {$75.00} fee. They want to charge me to get my own money? I spoke to an account manager XXXX who refused to waive the fee or put me in contact with her manager. I want my money released and then I am closing this credit card out. Horrible non existent customer service.
Tried to apply XXXX Credit Card and my Credit check was done by Experian Credit agency ( XXXX ). My application was declined by saying " Unable to verify SSN ''. 
this is not fair because my annual Income is above XXXX and I am a prompt payer of my XXXX Credit card. 
I want you to look into this matter and take action.
I was a customer of a local bank named PNC and I had a personal checking account. When I went to close my personal bank account, the bank issued XXXX cashiers checks. Both checks bounced when deposited into another financial institution. After informing the bank that their cashiers checks bounced, the bank ( PNC ) required me to return the cashiers checks, before re-issuing new valid checks. Because the cashiers checks had been destroyed, the bank has refused to reissue new checks and has not refunded my funds after more than two weeks.
I recently opened a small business account with The Huntington National Bank. I specifically asked and was told that they do not stack withdrawals ahead of deposits, Apparenty they do. I had my deposit and a check for my house payment post to my account on the same day. Huntington chose to return the check and charge me a fee then add my deposit. I had even called them the day before to make certain that this would not happen. I was told that they never do this and that there should not be a problem. When I confronted them about it I was told, " Sorry, it is what it is '' and that the check was posted to my account the day before my deposit. I repeatedly told the account manager that it was not the case and was looking at the transactions on their site to which he again reiterated that it was the day prior.
I paid down my home equity line of credit to zero but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XXXX try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until XXXX even though I no longer borrowed any money. I was told that even if my balance were zero I would continue to be charged interest because " that is the way variable rates work. '' Unable to get a straight answer from the HELOC support team, I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because the HELOC had been apparently misrepresented when sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. 

I placed a complaint with the CFPB because I ran out of other options. Fortunately, I received a response to the CFPB complaint. But it was not from Bank of America. The response came from a debt collector requesting my personal information. Since Bank of America is not responding to this complaint, I ca n't verify if this organization is legitimate or shady. 

The debt collector is only open until XXXX. There is no email or web form ; there is only a phone number. I have called XXXX XXXX, XXXX XXXX, and XXXX XXXX without response. 

As Bank of America will not contact me directly but seems to respond to CFPB complaints, I will continue to correspond through this channel. Bank of America claims it will continue to charge interest on the fees that are in question, which is irresponsible and unethical -- the longer it delays in responding, the more Bank of America stands to gain in interest. I do hope the CFPB complaint system can help me here. I have been a customer of Bank of America for 20 years and they do not have the decency to contact me directly.
Bbva placed a security hold on my account on XXXX. My employet has deposited my checks via direct deposit into this account. Ive been told i will not have access to my funds until they hear back from their upper management to figure out why my account is on hold. Ive tried faxing documents to verify my account and they wont even allow me to close my account
Experian is reporting XXXX XXXX account and this account has been deleted from XXXX  I would like for this account to be deleted from Experian as well.
I would like for Equifax to contact XXXX the original credit card company who gave me a card back in XX/XX/XXXX, my first delinquency on this account was XX/XX/XXXX. The account was sold to XXXX debt equity on XX/XX/XXXX. Continuous disputes with XXXX to see my XX/XX/XXXX first delinquency dates have gone unanswered. I e contact XXXX numerous of times about inadequate information in my credit report. I 'm holding Equifax accountable for their lack of verification of my first delinquency date in XX/XX/XXXX. Verification : is sworn testimony. Third party is insufficient '' XXXX. First hand knowledge. First someone verifies but do n't have first hand knowledge then it 's not verification, it Hearsay. And hearsay is inadmissible and the court says its incompetent. FCRA 603 ( 0 ) ( 5 ) ( A ) ( I.iii ). I want to know Tge person name Equifax verified the dispute with and documentation used to verify the dispute. According to the FCRA, the reporting agencies are required to forward the disputed information to the furnished of the account ( original creditor ). XXXX, but the credit reporting agencies only forward the two digit code according to their automated E-Oscar sustem ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I want this tradeline deleted or I would like to sue sue Equifax for non-willful compliance of the FCRA. The item is scheduled to come off in XX/XX/XXXX with Equifax, I want this item off today.
I have been in contact with the creditor of my auto loan in XX/XX/XXXX and XXXX to XX/XX/XXXX stating my loan is not appearing on my Transunion credit report but its showing on the other two : XXXX and XXXX. The creditor repeatedly tell me they are. I contacted Transunion and got no where. I even sent a certified letter of my complaint but got no where. I pull a recent copy of my credit report, got a statement from the creditor and called Transunion. They tell me my creditor has to call the marketing service department at Transunion. I relayed the message to my creditor to no avail.
I was faithfully paying my Wells Fargo bill since XXXX, when I unexpectedly had a major XXXX XXXX I was off work for 3 months for XXXX XXXX in XXXX. When I returned to work my hours were reduced. Wells Fargo made a agreement through phone conversation to pay certain amount and interest was lowered. The amount that was agreed was XX/XX/XXXX/mo. I was paying Faithfully that amount until out of nowhere they were calling me and saying I owed more money. I was confused because I never received notice of bill went up. Thereafter I was getting phone calls saying I owed more money. I contacted them by phone and they said the year was up with me paying that amount. I was never told a time limited on the agreed amount. I said what 's the point of all this time I was paying you and now your going to raise the interest and the amount I paid before is now going to go up again. What was the point of me paying all that time then. I told them they never gave me official notice of this change at all. I was upset and in tears because I asked them to work with me and they refused. Six months went by of them harassing me then I received a letter from their attorney stating to contact them to settle with them.. I did contact them and offered an amount {$2000.00} but they wanted the whole amount which I did not have and then they said I owed {$900.00} in legal fees. Which I was upset and in tears again an hung up. One month later I was served with this law suit in the amount of XXXX plus XXXX in their legal fees. Lastly, I just want to add my other debts have been and still are working with me. I feel I am being bullied and treated unfairly since I have been faithful to this company since XXXX.
CitiMortgage has committed egregious violation in servicing our former account. CitiMortgage ref uses to take responsibility for  3 f ailed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      CitiMortgage  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agen cies. CitiMortgage offe rs a lawyered and morally deficient explanation for not responding.  CitiMortgage re fuses to respond any further than attached documents reflect . CitiMortgage  has done great harm to former clients. Clients have continually corresponded t o CitiMortgage f or redress. These practices must cease.
Enhanced Recovery located at XXXX XXXX XXXX, XXXX FL. XXXX states that a Debt from XXXX and XXXX XXXX. I never received any Debt Validation letter FDCPA XXXX - XXXX - XXXX XXXX, I did not receive any statement of the account/payment history/signed contract from the creditor. This debt is not owed. I would like to file a complaint against Enhanced Recovery as they have in error posted on XXXX, XXXX XXXX, and XXXX negative information that is not correct. In addition, I would like to request all negative reporting to be removed from credit bureaus.
RE : XXXX XXXX and Portfolio Recovery Associates , LLC ACCT : XXXX On XXXX/XXXX/16, my debt consolidation company XXXX made a settlement with these above companies to accept a payment of {$220.00} as payment in full with the remaining {$150.00} to be written off and not collected on. 

However, these above companies are billing me the written off {$150.00} amount and have put this on my credit report as an unpaid debt, which has cause my credit score to fall. 

Plus, the collection company kept calling me at work, which is against the law. 

I received a statement dated XXXX/XXXX/16 advising that I owe {$150.00} and that this debt is valid, which is not true. I tried calling their Customer Service, but was told my debt was settled in full, but that I still owe {$150.00}. 

I want them to send me letter stating I do not owe them any more money since they accepted the settlement/payment from XXXX and DELETE this information off my credit report. 

XXXX NE XXXX XXXX
I can neither Access my Online Capital one 360 Checking Account Nor Fund/retrieve my Account Number and Routing Number, No way of making use of the Account, I have written Countless Feed Backs to Capital One back, but all were in Vain, It is as if, They do not Care about Customer 's Satisfaction.
I feel that I have not been treated fairly in this matter by XXXX XXXX XXXX, Resolve Partners, and XXXX. 

Please find attached a copy of the lease that appears to have been altered by management and or other personnel at the apartments. 

Please note that the collection agency or the creditor will probably refuse to show you the actual lease because the creditor altered the lease and have therefore incriminated themselves. 

Please note that the creditor has already sent a dossier regarding this case to the NC Department of Justice, and the NC Department of Justice has sent a copy of that dossier to me. 

If you look at the lease then you will see that the creditor simply changed the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, to collect payment from me for damaging said carpet and violating said lease. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX with no substantiated proof of wrong doing by me. 

Please intercede in my behalf to assist me in achieving a fair solution in this matter.
Rushmore Loan Management Services LLC ( RLMS ) purchased my mortgage from XXXX XXXX XXXX in XX/XX/XXXX. I was assured the my loan payment would not increase, however, since XX/XX/XXXX, RLMS has continued to increase my loan payments stating variety of reasons such as home insurance increase, property tax increase and escrow shortage. I requested to have my loan account to be reviewed for the listed shortages and the company did not respond for 4-6 months. XX/XX/XXXX I received another report listed escrow shortage, this time much larger that the last. I am sending my written request to RLMS on XX/XX/XXXX for yet another investigation in the shortages. My home insurance and property tax increased for an annual total of {$97.00}, not even close to what the RLMS ' shortage amount of {$780.00}! Please advise on proper legal action so that this company does not commit fraud.
I open an account with Lendmark Financial, XXXX, GA XXXX, in XXXX 2015 for {$5000.00}. Today, I called and ask for my payoff balance and the manager XXXX stated my payoff is {$4900.00}. 

She further stated the reason why the balance is still high is that when I paid two or three payments in advance I should have still made payments the following months so the interest would not continue to accrue. 

She also stated I was charged late fees of {$30.00} from making payments 1 or 2 days after due date. This is unacceptable because when I initially open this account I set it up for automatic debit. 

As of today, I have paid over {$2300.00} plus late fees and my balance is {$4900.00}. 

Your assistance is greatly needed and appreciated in this matter because I really do n't want to ruin my credit.
XXXX XXXX XXXX sold my mortgage to Carrington. I had no notification from either company. Carrington immediately filed a letter of foreclosure and refused my payments. I tried to work with them, but received a letter saying I had declined their plan, I did not receive a plan. Now I am losing my home
On XX/XX/XXXX around XXXX in XXXX GA, I made a purchase at a XXXX gas station. However, the cost of the item was XXXX and the amount deducted from my Netspend card was XXXX. Additionally, the charge showed at pending which did not show as the merchant having collected the amount. Thus the money wasn't showing on the merchant 's end, thus I could not get the item purchased. But {$1.00} was deducted from my card. I called NetSpend customer service and they told me that a purchased was made for {$1.00} but the cashier told the Netspend representative that there was no purchase showing on their end, as if I never made the purchase. I also confirmed that. The Netspend representative told me that I would not get the money until it is either collected by the merchant or refunded to my card. I thought this was atrocious for in the past, when I usually make a purchase, the money goes to the merchant immediately instead of the transaction pending. This means the customer is without their money for the purchase and also without the item purchased. The workings of the way this card works is close to stealing in my opinion because the Netspend bank takes the money from you but never deliver it to the merchant.