WillisBack/dataset-financial-user-claim huggingface dataset:
I have become totally and permanently XXXX and contacted BB & T with a letter on XXXX 2016 stating that I have no money and my income on XXXX are totally used up covering my minimal living essentials. I had sent in a complaint and they responded saying they had offered a new plan and I did n't accept. That is true because I told the woman that verbally & was VERY rude to me that I started crying. I was telling her I could do a little because I did have to eat. When I said I had to eat, she still bullied me with smart remarks like " you ca n't pay {$58.00}? I kept saying no. '' In BB & T 's letter XXXX XXXX also mentioned BB & T will take action by reviewing the call and apologized that I was upset after having this interaction. The apology was not sincere and it was during practically the whole call.and not the end. The fact that they send an automated letter that is generated informing clients about accounts being closed. In this case XXXX XXXX said it was because of having difficulty maintaining contractual payments. Said that I had been advised and agreed with constant credit being closed. This should not have been written since it always had a XXXX balance and I thought it had been closed. I opened the credit card account to transfer to a XXXX interest. That was done and if they review they 'll see I never charged anything more. The late fees & interest changes keeps going from {$25.00} to {$32.00}. Every month an extra {$80.00} is added with fees. I do n't think XXXX needs to quote everything I write because it was very hard to write in the first place. I had been used to having an income while working. It was stated at the beginning of the letter Complaint # XXXX that my complaint was forwarded to XXXX XXXX for review and response. Also written in the letter had a notice of furnishing negative information.
XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.
The account in question is showing inaccurate information, I would like it updated to show accurate on my report.
My XXXX  and XXXX  credit report indicates two collection accounts that are not mine. Accounts XXXX an XXXX. 

The collection account belong to Kansas Counselors. The original creditor is XXXX XXXX Hospital. My son who is older than XXXX and shares the same name as me, is responsible for these accounts. 

I talked with XXXX XXXX Hospital and they agree I do not own the accounts or even have an account with them. I talk with Kansas Counselors who has in there records the two accounts incorrectly associated with my social security number. 

I emailed Kansas Counselors twice to ask them to confirm their information with XXXX XXXX Hospital. 

I submitted three XXXX  disputes and one XXXX  dispute ( so far ). Each time they say Kansas Counselors has confirmed the accounts belong to me. 

This is so frustrating. Kansas Counselors has done this to me in the past yeas, but then I got it removed after several disputes.
I have never had an account with these companies. These are fraudulent accounts. I have never received any information on these two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX open XX/XX/XXXX XXXX XXXX
I received a letter from an attorney called Linebarger Goggan Blair & Sampson LLP claiming I owe {$15.00} in tolls on a vihicle with licence plate XXXX. I do not have a vihicle with that licence plate. I also have a sunpass that automatically removes funds as needed and is in good standing. It says that " XXXX XXXX XXXX ( partner ) is licensed by the Florida Barr but does not provide a Barr Number.
XXXX   XXXX   on  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  I HAD SENT IN DISPUTE STATING I DID NOT AUTHORIZED IT AS WELL WITH A POLICE REPORT AND WAS TOLD NOTHING COULD BE DONE ABOUT IT EVEN THOUGH IT WAS FRAUD AND IT WAS NOT AUTHORIZED THERE WAS ALSO AN ISSUE WITH  XXXX   XXXX  I WAS VICTIM OF THEIR INQUIRY ISSUE THEY HAD SOMETIME DURING  XXXX  WHICH SOME OF THE DATES ARE INCLUDED ON THE TOP. ALSO  XXXX   XXXX   XXXX   XXXX  &  XXXX  ON  XXXX   XXXX   XXXX  AS WELL AS  XXXX   XXXX   XXXX  MY POLICE REPORT NUMBER IS  XXXX  FOR  XXXX   XXXX   XXXX
Onemain account # XXXX is reporting this account negatively. To all 3 of the credit bureaus on my credit report. I will need for Onemain to provide me with the original instrument of indebtedness bearing my signature. Also I will need the photo copy of the government issued photo ID and photo copy of the social security card used to secure this debt. If this very critical information is not provided there is no way for Onemain to state this debt was created and definitely no way it can validate it is owed by me.
In XXXX 2016, Amex took out $ XXXX.+ unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, Amex has sent my account for collections and negatively affected my credit report.
I am filing a complaint and requesting that the following account be cleared from my credit due to the fact that the Chase account /debt were paid in full by me in the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

Chase Accounts # XXXX I received a XXXX from Chase for the total unpaid balance of account as additional income, thus, I filed the amount of the XXXX when filing for my tax returns. 

Since, I claimed the amount of the XXXX accordingly, when filing my tax return for the years XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this Chase account should be deleted and cleared from my credit report.
I have been working diligently with Nationstar Mortgage on a loan modification. I was given a loan modification but never received any documentation. I made payment in accordance with the terms in the loan modification as required and had assumed that the new loan would be implemented as stated in the agreement. Since the loan mod has been completed I expected the my credit would reflect the change. Instead Nationstar has started over again with threats to my account, has not credited my account t with the loan payments which were made with certified checks and my credit has been damaged by their errors. I believe the firm is trying to commit both credit and mortgage fraud an d I have received not one call or notice regarding the status of my loan mod or what happened to my account to put it in arrears. This is either incompetence or fraud. I need someone to act as an honest broker to address this matter because I can no longer trust the firm. 

I would like to have my loan modification reinstated, my payment credited to my account, and my credit score to reflect that I have made all my payments on time. 

The account number is # XXXX
I disputed a collection from XXXX which they claim I paid my debt through them. which I did n't I paid my debt through XXXX. I want the collection taken off of my credit report. I have proof on XXXX/XXXX/2015 I paid my final payment too XXXX for XXXX XXXX. have stated I paid them when I did not I have paid my debt through the original debtor.
Since XX/XX/2017 I have been disputing a XXXX XXXX XXXX account on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stated that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified.
This is in regards to case XXXX. I 'm fighting First Hawaiian Bank, they are looking for unjust compensation for a mistake one of their younger representatives made by releasing to me money from an uncleared check. A check that totaled {$2600.00}. The FHB policy states that I should have only been given {$200.00} of the {$2600.00} until the check had cleared. It never did, but that did n't stop their unprofessional and obviously unaware staff from releasing to me ALL the money THE DAY OF. It also seems that the ambassador FHB had chosen to dispute my last response on the CFPB website had n't done their research either. I had an overdraft fee almost every month I had been a member of their bank. But why would they withhold and deny me that information? I am disputing this, I have received letters from collection companies sent to my address harassing me to pay. I will not be held responsible for a mistake THEY made. I was handed money that should n't have yet existed until it had been verified. I refuse to be bullied and taken for by a bank that could have easily AVOIDED this problem. First Hawaiian Bank could have just as easily prevented this.
There is a mortgage loan with M & T bank. Payments are due once a month. I have been making principal prepayments, and M & T banks is applying interest charges towards these prepayment amounts.
I have tried SEVERAL Times, UNSUCCESSFULLY, to receive my FREE Credit Report from TransUnion! I have tried EVERY Avenue : Online, which resulted in me having to send in copies of Bill, ID, XXXX, as well as being directed to call and told in 2-3 weeks, it will be mailed. However, I have NEVER Received any copies of my report from them, even though I have complied with the necessary requests. I have received copies of my XXXX and XXXXn reports, but nothing from TransUnion. It is Pertinent that I get this report, especially since it is my right to XXXX annually. Furthermore, it has been more than TWO Years since I last received XXXX from TransUnion. I do n't know what else to do nor whom to speak to, as getting a " Live Person '' is a joke. 

This means appears to be my only option at this point. 

Thank you kindly
repeated calls after being told that I was laid off from work. adding stress to my dilemma by questioning me about how I survive.
I am a cosigner to my daughters loans and she is unable to pay at this time. I am unable to pay current payments because they are too high. I have tried talking to the Lender and they are unwilling to do anything to make repayment possible. They are unwilling to reduse interest or extend loan term. They say there is nothing they can do to help.
I am a homeowner of 25 years here in XXXX XXXX, XXXX XXXX, Georgia. I am a XXXX senior citizen and have a XXXX veteran as a tenant in my home. My loan was XXXX and later with Ditech as of XXXX XXXX. I had a HARP modification originally and after financial difficulties due to XXXX and additional medication, I have tried to receive another modification with my servicing lender which was Green Tree and later Ditech. I have been denied every modification from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, 2016 I received a new modification payment schedule from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, XXXX I received a new modification payment schedule from Ditech giving me a new account and payment plan to become effective XXXX 2016. Keep in mind, I had no idea they were placing my loan in a modification status until I received this information. In XXXX 2016, I mailed in XXXX, XXXX, and XXXX payment in the amount of {$950.00} for each month and they accepted all XXXX payments. XX/XX/XXXX, I received a foreclosure letter - to foreclose on my property, effective XXXX XXXX, 2016, this notice came from their attorney ( XXXX ) representing Ditech. After numerous calls to XXXX and Ditech, no one ever returned my calls nor was I able to speak with any representative until the middle of XXXX 2016. I was then told by the attorney that represents XXXX, XXXX XXXX, ATTY, " they should have never accepted my payments. '' She instructed me to call Ditech directly. I called Ditech and was transferred to the bankruptcy department. XXXX of the bankruptcy department of Ditech indicated he would send me a new modification application and said I should receive it within 10 business days. To this date, I have yet to receive the modification application from Ditech. At that time, I asked for an audit of my loan. After the 10 days expired, I contacted XXXX XXXX and Making Home Affordable for assistance with helping me to apply for a new modification. I submitted a new application with the assistance from XXXX XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a letter from Ditech that my modification was denied because my property has been foreclosed and I was no longer the owner. 

I have enclosed all recent documents from XXXX and Ditech and bank verification of my payment. Also my dated the modification application submitted by XXXX XXXX.
Nelnet/ Have you contact the original creditor to check to see if this is my debt? If you did, name and address and phone number of company of the original creditor.
Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, TransUnion , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full,  Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX   {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!
My fiancee and I closed our joint account with Santander Bank on XX/XX/XXXX, to move our assets to a new financial institution. On the XX/XX/XXXX, they told us all future banking would be stopped and the checking and savings accounts would be closed. However, on XX/XX/XXXX, the Santander bill pay system sent a check for {$39.00} to XXXX NJ. On XX/XX/XXXX, I received a notice stating that my account was delinquent and that the {$39.00} would be sent to collections.The payment should never have gone through because the account was closed. Santander Bank Customer Service has refused to assist me over the phone because they can not verify my account ( since I no longer have an account ). I tried to resolve the issue in person as the customer service representative recommended, I went to the XXXX XXXX XXXX XXXX, PA XXXX Branch ID : XXXX and they told me the only way to resolve this issue was to contact customer service.
in XX/XX/2018 I disputed a account that's reporting inaccurate information on my Equifax Report. The inaccurate is XXXX XXXX # XXXX. In XX/XX/2018 I disputed the account again and they continued to report back as verified. The XXXX XXXX account is reporting as charged off. So if the account is charged off there should not be a monthly payment reporting on this charged off account per the FCRA. So Equifax has been reporting this inaccurate information and it needs to be removed from my report immediately.. No charged off account should be reporting a monthly payment,, I have enclosed copies of the account showing a monthly payment of {$2500.00}. Please remove the alleged account from my file ..Equifax is not reporting 100 % accurate information,,
On XX/XX/XXXX I submitted a request to Equifax to remove a fraud alert that I DID NOT ask to be placed. On XX/XX/XXXX Equifax removed the fraud alert and ( see enclosed ) placed an extended fraud alert on my file. This is is malicious in nature and I plan to prove this in court. Please remove the following items from my credit report per FCRA since they were not investigated within the 30 day provision ... 

XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have an account on my credit report with XXXX XXXX. It was in default and is negatively affecting my credit score. It has been paid in full. The item has been on my credit report for more than 7 years, and should be deleted. I took this up with both Experian and XXXX XXXX, to no avail.
On XXXX XXXX XXXX I contacted Prestige financial about a debt that was alegged that I owe do to a car repossession. Prestige financial representatives XXXX DID NOT VERIFY THAT I WAS THE CUSTOMER BEFORE DISCLOSING PERSONAL INFORMATION AND SHE ALSO DID NOT DISCLOSE THE FDCPA MEMORANDUM AFTER
on XX/XX/2015 a collector call my place of employment and tolled the secretary that if i do n't pay he was going to have myself arrested and that i was going to lose my job.
D2 Management called my cell phone number and hung up so I called them back. CSR XXXX answered the phone and said " You owe for a cash advance and its for {$300.00}. '' I proceeded to tell her that I do n't owe it because I paid it off. She rudely responded with " I will put this on your credit and will let the company know you are refusing to pay it. '' Those were not my words. She hung up on me and I proceeded to call back. This time I got XXXX. She looked over my account and said I did not pay it off when in fact I did. I took out this loan in XXXX. In XXXX I paid off all of the advanced places I received a loan from. Making small payments while employed and unemployed. XXXX the let me know that XXXX was going to sue me UNTIL they saw the student loans on my credit report. She proceeded to argue stating that they will do a " hearing '' regarding my account. Its been 9 yrs and there has been no contact nor any letter. XXXX stated XXXX contacted me in XXXX and many phone calls and I hung up on them which is completely UNTRUE.
Hello, My wallet was stolen on Saturday, XXXX XXXX. Within XXXX minutes of this happening I had a fraud charge alert. I handled it with my bank, and cancelled my other accounts. 

The reason I 'm writing is that less time that it would have taken to drive to the Target in XXXX XXXX, they had spent almost {$300.00}. Last year I was the victim of the Target theft that happened to many people. The only charge was about {$90.00}, also at the Target in XXXX XXXX. 

These are the only times I 've experienced credit/debit card fraud.. and they both had charges at the same Target in XXXX XXXX , California. 

This I find odd, and I do n't believe in coincidence. I just wanted to bring it to someone 's attention. It seems far fetched that the XXXX times in my life that I 've had issues, where in the same place. I had not been to the Target in XXXX XXXX on either occasion. 

Thank You.
I noticed on my credit report this student loan was reporting as 90 and 120 days past due in XXXX and XXXX XXXX.I believe this information to be erroneous. I have tried contacting this company and contacting the credit bureaus to no avail. There are several reasons I do not believe the reporting is erroneous : 1. I am attaching a copy of my college transcript which shows me full time enrolled through summer quarter 2012, which would have ended in early XXXX 2012, which would have meant my loans should have been in forbearance. The would have been removed in XXXX so the most the loans could have been in 30 days past due. 
2. I was never given any information from the lender about the loan. I called the lender last night and spoke with XXXX, who was very helpful. He advised that calls were made to phone number ( XXXX ) XXXX. That is not and has never been my phone number. My phone number is area code XXXX. I had XXXX repeat the phone number on file twice. He also advised a correspondence was mailed to XXXX XXXX XXXX That was not the correct address for me at that time either. 
XXXX advised me that during a call to set up payments on the account in XXXX 2012, when my account was current and I was being proactive, I would have supplied the lender with the false phone number and address. That seems illogical for someone that proactively called in a made a payment. I pleaded with him to pull the call and listen to see what occurred. He called me back this evening and stated the call ca n't be reviewed due to retention policies. However, he advised that he has to assume the lender did what they were supposed to do. So if you do n't know who made the error, it has to be the customer? That seems unfair and deceptive. I feel helpless in having this issue resolved. Please help!
On XXXX/XXXX/16 I filed a complaint with this office concerning the violations of Transunion on my credit report. I also filed a complaint with the XXXX XXXX XXXX XXXX. I looked on XXXX a few mins ago and now my credit score is XXXX. A XXXX point drop from yesterday. Plz I am asking for some help. They continue to leave stuff on my report and penalize me for their mistakes. I am about to lose my house, be sued, and all because the wo n't follow the law and do what they are supposed to do. I have XXXX XXXX XXXX and I do not need this stress