WillisBack/dataset-financial-user-claim huggingface dataset:
I was alerted last year via email from XXXX that my personal information had been compromised in the breach and to fill out the form via email for the XXXX XXXX to keep an eye out on my credit report and any changes to my personal info. A few months later a XXXX XXXX XXXX agency was reported on my report for {$1900.00}. It said it was collecting for XXXX. I called XXXX to verify this information and was told that my name was not in their system. I then called Trident Asset Management and informed them that I spoke with XXXX and told them what XXXX had informed me. I asked XXXX XXXX XXXX to send me supporting documents regarding this account and was told by Trident that i would have to send them a self addressed stamped envelope with a piece of paper that had my name, address and social security number on it and they would send me the documents. This didnt seem legit so I then disputed this collection online with all three credit bureaus. After 30 days of the dispute XXXX deleted the collection from my account yet XXXX and XXXX told me the account was verified. I asked XXXX  for these supporting documents. After never receiving the documents that supported Trident Asset Management verification, I sent in letters to XXXX and XXXX. I waited the 30 days for a response and i never received one from neither XXXX, XXXX or Trident. So i sent in another round of letters after 45 days and again I never received anything from XXXX, XXXX or Trident. Then again I sent in another round of letters after 60 days and again never received anything from XXXX, XXXX or Trident. I once again sent in letters after 90 days and still havent received not a single notification from XXXX, XXXX or Trident regarding this collection account. It had been over 100 days so i contact XXXX  on XX/XX/2018 and after being on the phone for over 45 minutes with multiple reps i was told by a rep named XXXX id XXXX the reason I didnt receive any responses from them is because they didnt have my correct email address so they couldnt send me anything and that my id, social security card and birth certificate was dark and they couldnt understand it. I dont know how a company like XXXX that has your email address that sends you emails regarding the breach and updated information pertaining to your credit report dont have your correct email address. I just received something from XXXX via email. Please help me with this matter.
I was denied loan a modification and they did not let me appeal the decision during the 30 days period now have been foreclosed on. The bank took the house back and I have XXXX young kids and no place to go
I got contacted by a debt collector XXXX XXXX from US COLLECTIONS WEST, INC about a debt that I owe that I did n't know about at all. It is for an apartment complex called XXXX that I lived at for a year. I requested the charges details and by viewing them, everything was not accurate. It was completely an accurate claim. I called XXXX and I send him a dispute. XXXX then contacted me and said that the apartment complex has validated the debt and you have to pay! Again those chargers are inaccurate!! I 'm being charged for door lock change, panels, countertops, bathtub, carpets, wall paint and more. There are even things like window screens and shower rod that were not included in the apartment when I received it and they 're charging me for it. Basically, they want me to pay them the expenses for renewing the apartment which I have nothing to do with! I have left the apartment exactly how I received it from them! I feel they are taking advantage of me by sending the chargers to a debt collecting agency and forcing me to pay it! AGAIN, they never sent me notice or anything I 've been contacted by the agency and after disputing the collector is telling I must pay or otherwise I 'll be reported and that the report will damage my credit and if I do n't pay they will send my file to involuntary collections dept that enforces the signed lease to the fullest extent Arizona law allows upon receipt of a suit authorization from the client. 
Please help
Experian is reporting to XXXX that I owe XXXX under revoving accounts at XXXX % ... Experian own reports is correct at XXXX % but still reporting to MY Fico incorrectly ..it does hurt my score I have talked to XXXX different people at Experian and some other national ( whatever ) with NO good answer '
Ive been to an establishment here in XXXX Hawaii several times where the person charging the card has either intentionally over-charged or made a mistake. I notify my credit card company ( Citibank ) of the over charges and they have all but these last two times stopped the payments. The payments total {$4500.00} dollars from the dates of XX/XX/XXXX and XX/XX/XXXX. I spoke with a representative twice who said they are investigating but the charges have not been removed after 2 weeks now.
There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to m e, Trans Unio  n cre dit bureau issued the report that was used to determine my credit evaluation.   Sect ion 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccur ate reporting.   In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX    XXXX  #  XXXX   2.   XXXX   XXXX   XXXX    XXXX   #  XXXX   3.    XXXX   XXXX   #  XXXX  4.  XXXX   XXXX   #  XXXX  5.   XXXX   XXXX    XXXX    XXXX  6.   XXXX   XXXX   XXXX   #  XXXX   7.   XXXX   XXXX   XXXX   #  XXXX  MY CURRENT ADDRESS IS  XXXX   XXXX   XXXX ,  XXXX , OHIO  XXXX
Name : XXXX XXXX AKA XXXX XXXXPrimary Business Account # : XXXX Number : XXXX, XXXX ( XXXX ) XXXX have been originating a home loan through Chase, and the home is being built by the company/contractor, XXXX XXXX. Chase has previously completed an appraisal on the property, and the company XXXX XXXX has completed an inspection, however many errors and problems with the home have recently been discovered. 

Cracks in the foundation/cement in the basement Crooked windows Leaking in the basement Sewage backing up/leaking dripping into the basementThese are just the visible things that have been missed, and I have no idea what other structural issues are going on with this property. I now have deeper concerns about the electrical, the plumbing, and the structural integrity of the property. 

You have my permission to contact any parties in this matter to help with a resolution. 

The best way to reach me is via Cell Phone XXXX, and through Email. 


Thank you for your help in this matter, XXXX XXXX________________________________________________________________________Cell Phone XXXX # : ( XXXX ) XXXX Phone XXXX # : ( XXXX ) XXXX Phone # : ( XXXX ) XXXX # : ( XXXX ) XXXX : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX Home Address : XXXX XXXX XXXX XXXX, OH XXXX House Address ( To be closed on ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX | Mortgage Banker | XXXX ID : XXXX Mortgage Banking | Chase | XXXX XXXX XXXX XXXX , OH XXXX | Office : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXXXXXXXXXX |
Currently, I have a credit monitoring service courtesy of the recent OPM hack. After receiving some alerts, I perused my file and notice an inquiry from a company called XXXX, XXXX, in XXXX XXXX, 2015. I do n't know who this company is or how this company received approval to review my credit report. I want this inquiry removed from my file. I have not followed up with the credit bureau reporting this information ( EQUIFAX ).
This debt is invalid. Ive contacted the original creditor XXXX XXXX XXXX XXXX. In regards to the validity of this debt and still have not received a response. Right now Im seeking legal actions against XXXX XXXX, for billing fraud. And have reported them to both XXXX and The insurance fraud bureau.
My saving account was closed and XXXX opened another checking account. I received a letter XXXX letter sent XXXX ) stating it was closed because of over use. I transfered moneys from saving to checking. I went to the bank and they closed the second checking and opened another saving. I was told I had a small window of time to change my direct deposit to the other account, but my payroll check will still be deposited. Well today XXXX my payroll check was not deposited and I have direct bill pay set up. and no money in my account. I called my company pay roll and was told they wo n't be notified until Tuesday that the money was returned and a paper check will be issued and sent XXXX. I talked to the bank they will credit me the return check charges, but no overdraft protection till I can deposit the check. When I called the bank this time XXXX I was told there were no notes on my account and the bank ca n't open another account with my ok. Well they did!
I XX/XX/XXXX I took out a loan against my house I gave them all my paperwork because I had a lawsuit filled against me and my daughters for back pay property taxes. My loan went through and they paid off my taxes. My property taxes were and insurance was to be included in payment.But in XXXX the county of XXXX filled another property lawsuit and I never received notice until they the county of XXXX Texas put up a forclorsure sign for back property taxes owed. I went to the county office and said they had not received property taxes and they were XXXX dollars again I kept telling the bank but they would not listen they were paying the wrong taxes on a different lot. In XXXX J. P Morgan took me to court and I told the judge they would not take my payments because we were under a modification but they kept giving me the run around I let the banks attorney and the judge know about the taxes and the forclorsure the county had on my home. On XX/XX/XXXX the judge in XXXX County denied the expidied forclorsure. Now it is XXXX fillies a lawsuit in civil court in the XXXX District of Texas
I began a modification 2016. After 6 months and no communication I found that not all documents sent were received. The modification was denied. I then reapplied and it was cancelled AGAIN stating not all documents were received. I have receipts that show all items were faxed and received. After a year of dealing with the modification I was told that I did not make enough money and due to my debt to income ratio the modification was denied. I re-submitted my most recent modification as I was now working full time and could more than qualify me. During this period I was told that my house is in foreclosure and a date has been set. This is a violation of my rights and I can actually sue as a a modification was in process and a foreclosure was initiated. I was then told that my modification was denied because a payment could not be established lower than the previous payment. I informed them that I could accept the same payment or higher now that I am working full time. They told me that that was not in the guidelines why they do modifications. I told them you would be helping me by refinancing the amount that is past due and that would help me. Nope, bring the loan current or foreclosure. I can not not believe the poor service I have received. I have a new agent for this account on a monthly basis. I receive no communication during the modification process. I believe that at this point they just want the foreclosure. The modification was just lip service. I counted on that modification to help me when I fell behind because of part time employment.I obtained full time and yet that has no bearing. I live with my two children and we are soon to be homeless. I am not a person that does n't pay their bills. I have a XXXX and have always worked but fell on hard times. Their greeting on their phone messages states they are there for the victims of Hurricane Harvey ... ..what about the current customers that have fallen on bad times? I would n't wish these sleepless nights on anyone!!!
Debt was paid in full to the attorneys on file on XXXX, XXXX XXXX. On XX/XX/XXXX the collection agency reported me and my credit score is  negatively affected.
I received a Visa gift card of {$100.00} from my supervisor as a congratulatory gift for my XXXX on XX/XX/2018. I activated the card on XX/XX/XXXX to use in the future and saw that it had a balance of {$100.00} once activated. I tried to use the card on XX/XX/XXXX at a store, but was denied because the balance was XXXX. I checked online and saw that someone used the {$100.00} at a XXXX convenience store in XXXX XXXX, CA, which I am nowhere near ( I live in XXXX  XXXX, CA ) on XX/XX/XXXX at XXXX XXXX. I have proof that I was nowhere near the store on that day and time, as I was already checked into the hospital on XX/XX/XXXX around XXXX XXXX  and gave birth on XX/XX/XXXX morning. Proof of this can be provided upon request. 

I called XXXX on XX/XX/XXXX to contest this fraud, but the Visa phone representative said that she experienced the same fraud and has not gotten her money back yet. No help given. She said I will have to submit loads of evidence and if I'm lucky, I will get it back maybe in three months.
XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
On XX/XX/XXXX a check was deposited into PayPals online account I made which was my check but did not upload. My card that was with PayPal which was a debit card was stolen and someone withdrew out {$400.00} which included fees. I was able to recover the funds after having rude customer service when I was calling. Then I was told they would hold my funds for 6 months/180 days which I can not and will not wait for. I told them numerous of times what happened and that they need to release my funds so I no longer have these issues and do not want to do business however they put a limitation on my account without proper investigation and refuse to give back my remaining funds. This is not a good way to treat customers who wanted to trust PayPal. I can see if they held it for less than 4-8 weeks but over 180 days is too obsessive. Some people dont even see their money after 180 days and I do not want to be scammed by PayPal so please help and I hope this help others who are being robbed by them as well
On XXXX XXXX, 2016, I disputed charge-off information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : ( XXXX ) XXXX. This company refused register mail from my attorney, which I have retained to assist me in resolving the matter. However, company has electronically updated the information on Equifax results dated XXXX/XXXX/2016. I then contacted Equifax to re-investigate matter providing the company with refusal confirmation from USPS and letter from company. Equifax has refused to update information given the information that I provided. I have used all methods provided by Equifax to contact company including telephone number and mailing address. When I have received now response, I employed an attorney. I believe Equifax has violated the FCRA by not reviewing documents that I provided or even taken it into consideration of continuing to report items on my credit report. I did advice Equifax that I am in the process of purchasing a house, and its actions are adversely affecting me.
I submitted a fraud report to the three credit bureaus, XXXX, XXXX   and Transunion. There were several items on my credit report that does not belong to me. Mostnofnthe items were removed, but some have been added back to my credit reports. No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) AND XXXX XXXXXXXX XXXX - XXXX
My brother ssn got mixed with mine in result, countless report item that belongs to him are under my ssn
XXXX was sent to me. But only XXXX was ordered online vie XXXX in XXXX XXXX. Also my wife was present doing the ordering of XXXX XXXX. SunTrust credit card XXXX reimbursement the XXXX credit my account ending in XXXX XXXX XXXX. But in XXXX XXXX XXXX they had XXXX debited my account XXXX. Stating that information sent to me via XXXX concerns XXXX Questions XXXX XXXX XXXX S/T credit card letter was not sent in time before XXXX/XXXX/XXXX. That 's a lie it was sent at a Suntrust bank branch office in XXXX GA. XXXX/XXXX/XXXX at XXXX pm XXXX pages status OK. Fax number XXXX XXXX XXXX in XXXX FL. XXXX.
I 've recently downloaded the XXXX XXXX app where I can borrow money and pay when I get paid. On the app it is still saying that they do not have verification of when I got paid so I can not cash out for a payday loan because they are unable to communicate with my bank the State Employees Credit Union
I have a home mortgage. It is owned by XXXX. XXXX hired Seterus Inc. to service the loan. Seterus is mismanaging my loan. We tried to adjust the escrow in order to pay off a deficiency in it sooner than Seterus wanted. Seterus took the adjustment, and then declared us ( my wife and I ) in default for {$5000.00}, and threatened to foreclose. We have never missed a payment since the loan was made in 1996. I tried to explain to them what was happening, and I refused to pay the {$5000.00}. I wrote to them that they were mistaken, and we were not in default of our loan. They then demanded payment of {$400.00} and again threatened to foreclose. We remain current on our mortgage and we are not in default. All we tried to do was to prepay a mortgage escrow shortage sooner then Seterus had said. We checked the Internet and found XXXX of complaints about similar conduct by Seterus made by others. This company needs to be reined in. They are out of control. 
XXXX XXXX, XXXX
I purchased an appliance on XX/XX/2018 using my Citi credit card in the amount of XXXX plus tax. I submitted an online Citi Price Rewind request because I found a lower price of XXXX several days later. Citi Price Rewind is supposed to match that lower price as long as you meet the requirements in their terms and conditions. I submitted all of the required information and made sure to include proof of the lower ad that satisfied all of the requirements in their terms and conditions. 

My ad included : The advertisement of the lower price must have been published or made available within 60 calendar days after your purchase date and must be for the same item by the same manufacturer for a lower price. 

A copy of the itemized receipt for the item purchased. 
A copy of the merchant 's advertisement with the lower price for the same item by the same manufacturer. 
Effective date of sale ( within 60 days of purchase ) Sale price Model number and model year Authorized dealer or merchant name Despite submitting this proof ( which met every requirement in their terms and conditions ), I received a denial letter in the mail saying the ad was not sufficient without elaborating on which part of their terms and conditions was not met by the ad I submitted and without any indication of what would need to be different about my ad in order for the request to be approved.
My son in law got a student loan some years ago without my approval but using me as a cosigner. My son in law is XXXX XXXX XXXX who lives now in the XXXX suburbs. The loan was taken out at least six years ago possibly longer I'm not sure.

The company involved is Navient. They call here three times a day and when my daughter tries to talk to them they won't allow her to speak to them. Even though she is still XXXX XXXX XXXX  wife and my daughter. She has told them that I have had a XXXX and I can no longer speak on the telephone. Besides the XXXX interfering with my XXXX XXXX XXXX is very XXXX and XXXX them would be difficult. She has sent in the power of attorney that I gave her but they still refuse to speak to her. But they still keep calling.

How can I settle anything or explain my side of the issue if they won't speak to me. Now my son in law is working full time at a very good job where my daughter and I live on social security. Why aren't they going after him?

I get no help when I mail them and with them refusing to speak to my daughter their calls are noting more than harassment. Can you please help.
I have been fighting the accuracy of my 12 student loans that have been out of default sine last year of XX/XX/XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a zero balance as i have also consolidated all of the 12 loans into 1 loan! I sent a email to the CEO of XXXX and got a email back from one of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XX/XX/XXXX! Now in XX/XX/XXXXi had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the ORIGINAL bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only 3 of the 12 loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XX/XX/XXXX! but these 12 accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought 3 of the 12 loans.
I rented a storage and paid in full for the service. they sent me to collections when this was paid at time of service
XXXX XXXX via TD Bank does not allow payments other than the minimum amount through their automated payment system. This forces anyone who only pays through this system to pay interest at the end of a promotional 0 % interest rate since charges for device protection are added to the account balance each month. I spoke with a representative who informed me that " the system is set up to only allow the minimum due to be paid automatically. '' I believe this practice is unfair, at best, since many do not have access to free bill pay and predatory at worst - the minimum amount is the amount that would pay off the balance in time when other charges aren't added.
I found out through my credit monitoring service that a collection in the amount of {$92.00} has been placed by Franklin Collection Services on my three reports. I am looking to dispute this as I never received a notice of rights under the Fair Credit Reporting Act 1692g. As mentioned in subsection ( A ) ( 1 ), the timeline starts " within thirty days after receipt of the notice ''. Since I never received a notice and it went straight on my report, I am filing this. 

I filed with XXXX, where I discovered the information. After filing the dispute, within a week the information showed up on XXXX and XXXX, even though no information was sent to me about the verification or my FCRA rights.