WillisBack/dataset-financial-user-claim huggingface dataset:
After creating an account at XXXX 's website I noticed on my trans unioncredit report that I have a civil judgement against me. I disputed the judgementagainst me on the trans union website and after 30 days had passed, trans union sends me an e mail saying that the investigation of my complaintresults in my civil judgement being valid by the law firm who sued. 
I discovered yesterday from getting court copies of this lawsuit that this is acase of mistaken identity. I am not disputing that the civil judgement is notvalid, what my dispute was about is that they have the wrong person. Thiscivil judgement is about someone else not me and should not be showing onmy credit history at all. Trans union I feel did n't do their job by removing thisoff of my credit history. This civil judgement clearly is valid but I am not theperson. They have me mistaken for someone else and I want this removedfrom my credit file. I have all the proof to show I am not the person in the civiljudgement and I am prepared to show what ever documents that 's needed so Ican finally get this judgement removed from my credit history.
filed chapter XXXX discharged in XX/XX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX - XXXX
I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization.
Cash Call frequently keeps calling for a man named XXXX XXXX even after I had repeatedly told them to stop calling my XXXX year old son 's phone, looking for a man that we do not know. It has gotten to the point where we tried blocking the numbers but they kept calling from new numbers. This has been happening since XX/XX/2015, and we are tired of it.
Lender is foreclosing on my home XXXX/XXXX/16. I have not received notices until XXXX/XXXX/16 as I was living with a friend temporarily and notices were not forwarded -- for over 6 months. Post office registered my new address, but documents did not reach me. They are now going to send me a modification pkg, but need 37 BUSINESS DAYS to review it, yet foreclosure is in less than 30 days! I need foreclosure delayed, postponed or canceled so I can complete required paperwork on their end. The lender told me their ATTORNEY was the one to contact to postpone foreclosure, and the ATTORNEY told me the LENDER has to be the one to postpone foreclosure. Please help.
I have been trying to get my credit information for 4 day in a row. I have been on every site and even called customer service who told me to go one the sites and try again so I did .. but the same information came up .. can not authenticate .. so my wife tried to get hers and it said the same thing.. I talked to customer service again .. having a hard time understanding them and asked them why do n't they have access to any of my information and they said they were not equipted .. I think that it is very stupid to have a customer service department that can only advice a person to do the very thing that they were doing in the first place..I think that it is very bad practice by those companies that tells people they can get their credit information on line for free .. it is a false statement or in my own words a bunch of XXXX.
My name is XXXX XXXX, a XXXX Veteran. XXXX presented me, (whos in sales training with his supervisor named XXXX.) They represent a company called, XXXX XXXX XXXX XXXX. that supplies customer double paned windows with argon gas for insulation. My wife and I chose a louvre style windows for the 5 big windows at the kitchen, 2 at the back of the living room, one at the office & spare bedroom and the other 4 small windows at the sides of the house, bathroom, & washer/dryer. We signed the contract on XX/XX/XXXX but they didnt install until XX/XX/XXXX. I work as a XX/XX/XXXX I cover the wholeXX/XX/XXXXArea & specifically told XX/XX/XXXX to call me 15  20 minutes before they arrive at my house so that I can meet them & to be able to inspect the product since its not cheap & I wanted to know that they have the right product that was ordered. My wife called me stating that they were at my house and began installing the wrong windows even when my wife told them to wait for me. The 5 major windows that was to have a louvre that tilts forward about 45 degrees, and slides out to let the breeze in was not installed & what they installed was a simple window that slides left < > right instead of leaning forward at 45 degrees that pulls out. I talked to XXXX that works at XXXX XXXX, XXXX, XXXX, and XXXX (one of the owner) & he said that hell get back with memonths has gone by & I expected him to call me being the owner but didnt get a response until I was applying for refinancing of my house. I found out through Renew Financial that California pushed the financing through XXXX XXXX XXXX instead of the Hero Program for the Veterans in which XXXX & XXXX informed me that they would do. So I told XXXX from Renew Financial on XX/XX/XXXX at XXXXthat no one has even contacted me from XXXX XXXX regarding what interest rate, what Hero Program financial entity & when will it start deducting from my mortgage property tax. I also told her that XX/XX/XXXX has not even settle with me nor propose any resolution of what theyll do from Installing the wrong windows since XX/XX/XXXX when I made that comment on their webpage.
I also recruited XXXX investigative reporter XXXX XXXX which was aired on XXXX XXXX at XXXX XXXX on XX/XX/XXXX but prior to that on XX/XX/XXXX she interviewed me at my home with XXXX, part owner to talk to me but offer no solution but merely $XXXX for compensation. I ask him if he ordered a XXXX & a XXXX XXXX was delivered will he be satisfied? He made no comment since I described to him what I ordered although I dont know anything regarding their model no., etc. since its their job to write the proper product number & serial no.
I also notified the Better Business Bureau but they said after two weeks of waiting for response from XXXX XXXX XXXX (complaint number:XXXX) from unanswered complaint, they will become a report to this company for the next three years. Copy attached.
Respectfully yours,
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     XXXX XXXX
My husband and I hire a company to help us to reduce legimate debt that we owe. We started with the company in XXXX XXXX XXXX ). We were ask to sent in bills that we were behind on. I sent a lot of bills to the company. I had no ideal that this particular bill was in the bunch I sent. This bill is XXXX back in XXXX. This bill is from a hospital stay of my husband 's. He was really sick. He is a XXXX and his hospital bills were paid by the XXXX XXXX because he was given a rating of 100 %. 100 % means XXXX XXXX is and was to pay the bill. I called the VA to verify if it had been paid, and my husband owes nothing. XXXX XXXX PAID IT IN FULL. The company collected {$560.00} from the company we hired. I became aware of this XXXX XXXX, XXXX. 

I called them the same day. Asked to speak to a supervisor. A man answered and I explain the situation and I ask for a full refund of my money. He said I was not going to get it back. He also ask me " Why did it take me so long to call. I said " that the timing is not a issue, the Bigger issue is " why is your company collecting on a bill that has already been paid. As of today I have n't heard or received any money from them. Can your company, please help me with getting a refund from this company? 

Thank You
In XX/XX/XXXX I entered into a twelve ( 12 ) month zero percent ( 0 % ) promotion with GE Capital Retail Bank for Care Credit to finance needed dental work. Despite being on automatic payments, the last payment ( {$500.00} ) was processed on XX/XX/XXXX, three ( 3 ) days late. As a result all the interest became due. Unfortunately I did not realize the bill had not been paid in full for approximately six ( 6 ) months. I contacted GE Capital Retail Bank about what had happened and was told that because the payment had not been submitted prior to the promotional date I was responsible for the interest that had occurred. Due to their error in processing the payment three ( 3 ) days late, I feel they should be responsible to reverse all interest that was charged to my credit card. <P/>XX/XX/XXXX Synchrony Bank became the financial institution for Care Credit. Due to the error of GE Capital Retail Bank the account was already considered over limit which has caused a domino effect of interest on interest and over limit fees to increase each month to this date. <P/>Approximately XX/XX/XXXX or XX/XX/XXXX I contacted Synchrony Bank in an effort to resolve this situation. I was told by a representative that because my account was current they would not be able to talk to me. I asked to speak to a supervisor and the supervisor told me the same thing. I did not know what to do so I just left everything as it was. As time went on the payments were increasing and becoming to a point that my bank account is occurring overdraft fees. I have a fixed income and I can no longer afford the payments they are charging me. <P/>XX/XX/XXXX I contacted Synchrony Bank a second time to discuss the account and the hardship it was causing me to see if a resolution could be reached. Again I was told that because my account was current there was nothing that could be done. Before the conversation was over the supervisor I spoke with told me that they may be able to lower the interest rate for a short period if I could prove I had a financial hardship. I explained all that had happened and was informed that it was not considered a financial hardship. I was then told the only way to resolve this situation was to pay the balance in full right then. Because I did not have that kind of money I contacted an attorney. The attorney wrote Synchrony Bank a letter on my behalf, dated XX/XX/XXXX. There was no response from Synchrony Bank. XX/XX/XXXX, a second letter was written with no response to date. <P/>The attorney has advised me to file this complaint. <P/>Thank you
Jefferson Capital Systems re-opened my account after it was charged off. There is now a missed payment showing up on my credit report ( false/ misleading ).
Medical Revenue Services called  me today, and when I told them I had the inability to pay until sometime next year, the lady 's ( she did n't give me her name ) response was " well, what I 'm going to have to do if you ca n't pay is report it to the credit bureaus. '' Then denied it was a threat. These rude and threatening tactics need to be stopped.
I applied for a conventional 30yr fixed mortgage loan with Sebonic Financial in XXXX, NC which is a subsidiary of Cardinal Financial Company. I did not receive the correct Closing Disclosure until I was at closing. I was provided a preliminary disclosure, but it was not 3 business days in advance and it had significant errors ( over {$170000.00} wrong ) although the new mortgage rules require disclosure at least 3 business days in advance. I had to explain to the lending institution that a HUD is no longer provided by the closing attorney and spend countless emails and phone calls back and forth requesting they correct the closing disclosure and paperwork, but I had to sign incorrect paperwork at closing because it was never corrected appropriately.
Someone continues to fraudulently attempt to sign up for financial accounts using my details. XXXX and XXXX have been responsive. Transunion ignores my requests to fix or verify the situation. 

Adding insult to injury, they continue to harbor typographical errors to which I have requested deletion ( XXXX vs XXXX ), which continue to harm me by invalidating automated credit and identity checks. They also claim that very old addresses have been validated as current. In summary, Transunion is a piece of XXXX. They refused to accept any complaints from consumers, instead referring me to the financial institutions who pulled my credit. Kudos to XXXX and XXXX for actually responding to my complaints.
So I received a call on my work phone from number ( XXXX ) XXXX - XXXX at XXXX XXXX  on XX/XX/2017 claiming to be XXXX XXXX explaining that I had a {$1500.00} debt from XXXX. In the past when they called my girlfriends phone I have asked to send me something in the mail that would verify the debt is valid. I have NEVER received anything in the mail. On the XX/XX/XXXX they called me at WORK on my WORK phone, I asked how they obtained the number and they stated it was from a backlog? I am pretty sure they obtained the number illegally and ignored my request to send valid documentation in the mail.
I have XXXX XXXX XXXX card that I use for business purchases/expenses. XXXX of the main reasons I use this card is because I can defer the payment for 60 days. Over last few months because business being slow and other reasons my credit utilization debt/credit ratio changed. In the mean time an executive from XXXX visited me at the office and actively encouraged me to use the card more and was told verbally that he would see to it that my line can be bumped up significantly to XXXX. After next few days I get notified that my credit limit was reduced to {$31000.00}, and future charges were being refused. I have always used the deferred payment to manage my cash flow. My card payments were according to the terms that were promised, I do n't mind if they reduced my credit line ... but I just saw that they have deemed my account past due and in a suprise move taken away the deferred pay option. They want me to pay all balance by XXXX XXXX, which I believe is not correct. I wanted some XXXX to contact them on my behalf and resolve this before the due date.
FMS Solutions contacted my ex spouse in XX/XX/XXXX alleging a debt that we owed them from a previous apartment. My ex settled account for almost the amount owed as he needed it off his credit report immediately. I was a co-signer on that apartment and was pursued by FMS Solutions for alleged interest that accrued on that account and threatened with legal action. Court records indicate the judgement entered in this case was dismissed in XX/XX/XXXX for the apartment I allegedly owed. I do NOT have a signed contract with FMS solutions and do not owe them any money. FMS continues to check my credit as recently as XX/XX/XXXX, which shows up as hard inquiries on my credit report..damaging my credit history. FMS solutions should not be able to do this as I do not legally owe them any debt. They are currently out of the statute of limitations for collecting the debt IF the debt was valid. They are not registered with CFPB or state of maryland to collect debt and illegally reported the debt to my acct preventing me from past jobs and credit opportunities. Please rectify this situation immediately by barring my credit from being accessed by this company. Please stop letting them access my credit reports and personal information. I do NOT owe this company any debts.
JPL Recovery Solutions has repeatedly contacted my Mother, my Aunt, my Mother in law out of state, and my employer. They have shared that they are collecting a debt, they have threatened my elderly mother with legal action unless she gives them more information on me. We have gotten calls from a XXXX XXXX, a XXXX XXXX, and one other male caller that I can not locate my notes for the name. 
These calls began within the last 60 days, and culminated today with their calling my corporate headquarters at my place of employment. The call was transferred to me, and when I explained that they are not to contact me at my place of employment, they argued until I ultimately had to disconnect the call. Their employee XXXX XXXX then called back through, demanded to be transferred through to HR, and demanded a fax number. My colleagues have been advised to hang up calls from this company or to send them to voicemail. 
This is a business, and not only that, but their threats and intimidation tactics are illegal. My place of employment is off limits, my friends and family are off limits, and they have been advised as such and continue to call. Please help me stop this harassment.
They are also calling XXXX XXXX XXXX. I have received repeated calls and have received a call today at XXXX with a documented voicemail left at this time. 

The organization is Check Into Cash XXXX XXXX XXXX, they represent a title loan company. 
Customer Service Department:XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
I am in ROUND 2 of asking the company to VALIDATE the accounts reported as ADVERSE. They tell me the account has been VERIFIED without showing me PROOF that they have information on file that bears my SIGNATURE. They don't have any proof that they have VALIDATED the debt is indeed MINE. If they do not have PROOF they have to remove it. I have been very specific in my letter. 

NOTE : They have until XX/XX/XXXX to prove this to me in round 2. They did not prove anything via ROUND 1
This company did not send letters advising of their attempt to collect debt from me. Furthermore, I searched the Texas Secretary of State website for the Collections Agency, and found no indication that they acquired the surety bond required to collect debt as a third party in accordance to Texas Fin. Code 392.402.404.
On my credit report it states that I have a magistrate court judgment in XXXX XXXX that is scheduled to continue on record until XX/XX/XXXX. I settled my civil claim on the XX/XX/XXXX. I have endured hardship from this being relevant on my credit report. I have unsuccessful to receive apartments, jobs, and finances.
I have disputed my XXXX account with Equifax more times than I can count. XXXX is paid yet Equifax refuses to update the status of the account to paid as agreed and closed. XXXX has reported the {$0.00} balance. I called and was assured by a customer service agent that he was personally going to change the account to closed. I check my credit today, it is reporting as open AND 120 days past due. Neither is true. I do n't know what to do anymore. They had so many mistakes on my credit report I have lost count and they flat out refuse to fix anything even when the company that is reporting it agrees that I am correct. Equifax is literally ruining my life.
I keep getting reported on this debt, company claims I am a cosigner on a debt from a known acquaintance. They claim I lived in a address that I do not know. 

My address since I moved to Texas is XXXX XXXX XXXX XXXX tx XXXX. 

I have requested a verification of debt and have not received and they keep raising charge on my report to this day. They have offered to settle with me for something that is not mine my fax number is XXXX and my email is XXXXXXXXXXXX
Synchrony Finacial fraudulently file a XXXX with the IRS alleging that they had forgiven a debt on my behalf in the amount of {$700.00}. I at no time had any consumer debt credit card or any Financial obligation that was owed to synchrony financial. I am not sure what type of loan they alleging was owed as I have never had any Financial relationship with them. I have called the number on the XXXX ( XXXX ) XXXX to be left on hold with no answer. According to the XXXX their Federal identification number is XXXX. Please note I was notified by the Office of personel that my identity was stolen.
I have a credit card account ( Best buy VISA credit card ) under Citi bank. 
I have multiple charges ( 5 ) of exactly {$100.00} each by XXXX XXXX XXXX and XXXX XXXX. I also have 3 separate charges of {$75.00} by XXXX XXXX. All of these charges were within days of each other. 
I am sure my credit card information was stolen at a gas station and I have reported my card stolen as soon as I saw these charges on my statement and was issued a new card. 
However, the credit card company recently told me that these charges were deemed to be not fraud and my credit card charge dispute attempt was denied for all of these charges. Now, I am stuck with {$720.00} worth of credit card charges that I never authorized. 
To me, this dispute seemed straightforward but the credit card company did not agree. Thank you for your help.
My name is XXXX XXXX. My account number with XXXX XXXX XXXX shows XXXX - I was told the actual account number is XXXX. 

XX/XX/XXXX, I spoke with " XXXX '' from Northland Group regarding my outstanding XXXX account. " XXXX '' told me that if I paid the debt, he would remove it from my reports with the XXXX credit agencies. 

I checked my credit report for the first time yesterday, after having a permanent freeze due to fraud. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, phone number ( XXXX ) XXXX shows up on my credit reports. 

I called XXXX XXXX Services regarding the paid debt and spoke with XXXX two times. XXXX referred me to XXXX XXXX XXXX. 

I called XXXX XXXX XXXX and spoke with " XXXX '', whom misrepresented himself two times. His real name is XXXX XXXX on XX/XX/XXXX. " XXXX '' told me he would email XXXX XXXX XXXX and request the phone recording from Northland Group, then promptly and rudely hung up on me. I called " XXXX '' back a second time and requested to speak with a supervisor. 

I spoke with XXXX XXXX, representing himself as a supervisor. He corrected me and told me I had spoken with XXXX XXXX and said " His name is not XXXX, it is XXXX. people get that confused all of the time. " No one attempted to correct the situation and all involved were extremely short and rude. The employees at all of the collection agencies involved in this case misrepresent themselves. 

I was promised that this would be removed from my file when I paid Northland Group XX/XX/XXXX.
Roundpoint mortgage have taken over embrace home loans now they both have been reporting to all three credit bureau, like i have XXXX different mortgages and they both have me late 3 times witch that is not correct reporting. I have try to fix this with all three of the credit bureau and both mortgage company, but they both is not trying to fix this problem.
I bought what I thought was a pre-paid card for my niece XX/XX/2016 for a XXXX gift. She tried to activate the card, but was unsuccessfull, so I had her send the card back to me. The card is from NetSpend.  I tried to activate the card myself, but they wanted her SS #. I finally got her SS # and tried to activate the card. When I call the number, the computer says there is no account. I finally emailed the company and today they called me. They wanted lots of information from me including my SS #. The original amount was {$200.00} on the card. They tell me now it's {$130.00} due to fees. This seems illegal to me. My understanding is you can't just arbitrarily charge fees. I wouldn't give them my SS # and told them to send a check for the balance to my home. They said it would take 6 to 10 business days to get the check. I don't know if I will ever see the money, but I would really like to know how NetSpend is able to charge {$65.00} to hold on to my money for a little over a year. My guess is there are many people being taken by this company. At the grocery store where I bought the card, it looks like an ordinary XXXX cash card, which I have bought before with no trouble. There is nothing about activating the card or ongoing fees. I paid the usual small fee for the card and had no idea there would be anything other than just using the card as a XXXX card. NetSpend seems like a scam. Thanks for your help!