WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX I am unaware of any valid contract with this company for which they report that I owe {$660.00} due to the account being seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. 

I disputed the above accounts directly with XXXX and have been attempting to resolve these issues directly with the above named collection agency since XX/XX/2016. As of the writing of this letter, they have been unable to provide any validate proof of a contract. They failed to mark my reports within the required time frame. I have retained copies of my ongoing correspondence with them and, if necessary, I can provide copies of the above as necessary to get this resolved as soon as possible. I only became aware of this account when I got rejected for credit last spring. This account is well over any statute of limitations in NH and has never been validated, either by the original creditor nor by XXXX. It is due to fall off my report shortly, however, it is holding up current credit needs. 

After several months and multiple unsuccessful attempts with Portfolio Recovery, on XX/XX/XXXX I disputed this reporting, in writing, directly to Experian, Equifax and Transunion. Transunion. Transunion investigated and deleted both the original and XXXX accounts. I waited for XXXX days and resubmitted online disputes to both Equifax and Experian. Although appropriate validation has never been provided, they have closed their investigation. 

I formally request that this information be immediately deleted from the credit file maintained in my name by both Equifax and Experian so that my credit portfolio supports my current financial goal. If it were even validated, it is a zombie debt and uncollectible. If need be, I am prepared to file suit and have all the documentation to be successful.
A XXXX representative had been sending me information to sign up for their service. I called to do so. They scheduled the appointment to come on a Saturday. On Friday I got a call from their collections department that They were not coming because they claimed I owed them {$760.00} for a residence that I had never lived at. I explained to them that it was fraud. They told me that I needed to fill out an affidavit, to check my credit report, and file a police report. I did all of that. I called back asking them when they were coming and they still said I owed them money even though it was fraud. A month later I applied for a loan and XXXX was showing on my credit report as a collection account sold to a third party ( Diversified Consultants ). This caused my credit to drop XXXX points! 
XXXX used my personal information from a fraud affidavit to enter a debt on my credit report that I told them was fraud. XXXX installs services without requesting ID, when they found out it was fraud they still attempted to collect from me and hurt my credit in the process.
Pleae remove these inqiuries XXXX card, XXXX, XXXX, XXXX, XXXX and my XXXX card wwas paid in full, XXXX credit card, XXXX loan paid in full with no balance. please remove XXXX  XXXX credit card. its over 7 years old please.
Have been always current with Capital one. 

Did carry a balance but it was at a promotional rate. 

Have made absolutely no new purchases or transactions for over 6 months. 

Without any notice or proper disclosure raised my minimum payment. 

Since it's on autopay ... 
resulted in late fees and loss of lower interest offer. 

In the past they changed my due date which caused me to be unintentionally late which Gives them the " right '' to charge more late fees and revoke low interest offers.
I have been fighting with the bureaus for a year in regards to XXXX charge off account I got tired and obtained XXXX whom contacted all the bureaus and got XXXX XXXX XXXX deleted from my credit but as of XX/XX/XXXX Transunion has reinserted the account and have allowed the Bank to use a fradulant new card # and frdalunt updated activity on the account which has been charged off in XX/XX/XXXX I opened it in XX/XX/XXXX.I filed a police report for the fraud because the new account number is not mine.I still hace the old credit card with the # on it.I sent the bureaus a letter from the Bank stating the year and month in which the account charged off and the police report and a copy of the old credit card i had. ( XXXX and XXXX have deleted the account once contacted by XXXX and have not reinserted it ... Transunion is the problem they deleted it XXXX and rein serted it XXXX as of XXXX paid XXXX and they did their job.My Fair Debt Credit and Collection Act has been violated and it is against the law for this typeof action..I have been humiliated caused stress and mental anguish.I will not be submitting anymore documents to Transunion they alreay have all documents I mention in this letter
On XXXX XXXX, 2015, I discovered that I have been a victim of Identity theft as someone opened a PayPal Credit account in my name without my knowledge or permission. This account was opened on XXXX/XXXX/2015 with an address that I had not occupied until XXXX/XXXX/2015 and at the time was only known to XXXX potential mortgage company, XXXX XXXX. My complaint is against PayPal Credit specifically. I have discovered that all anyone needs to open a PayPal Credit account is the last XXXX of a SSN. Since most documents conceal all but the last XXXX of your SSN, this is a concern. Why does PayPal Credit have my SSN on file in a database? How do I remove my information from their database? Is it legal for them to store my personal and confidential information? Any consumer can go to XXXX and open one of their credit accounts with only their name, address, and last XXXX of the SSN.
Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my XXXX and experian report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.
I bought a used car from a private party, giving him {$3900.00} in cash ( no checks involved ) for payment in full on Tuesday XXXX. I got my cash from XXXX XXXX XXXX. They had approved a used car loan at 2.5 %, but because the seller had a lien on the car with JP MORGAN CHASE BANK NA, XXXX XXXX XXXX, XXXX XXXX, TX., I had tp take out a personal loan at 9.25 % until I got a clear title. Then they would convert the personal loan to the 2.5 % used car loan. 
The seller and I went to the local Chase Bank branch on the same day. We had the managercompute to the penny how much the seller had to give in order for the lien to be paid off. 
He then gave the bank, in all cash, that amount. 
I fully expected the bank to sign and date the title to release the first lien. But no. Chase explained that that had to be done in the " back room '' and they would send to ME a letter stating that the loan has been paid in full. I protested, but was told that was the way it was going to happen. 
The end result is ; I took out a loan 9.25 % to buy a used car that I can not convert to a 2.5 % loan, because I can not transfer the title to my name until I wait for a snailmail that takes XXXX weeks. Further, I can not XXXX XXXX the car that I bought until I get the waiver in the mail. Further, the Michigan XXXX charges a {$15.00} late fee if I don ; t make the transfer in XXXX days or less.
Account ending in XXXX and XXXX. Please Investigate Dispute {$840.00} ( An unaccounted Amount ) Error Charged to My account ) and the over the limit, late charges and fees as a result of fraudulent in XXXX XXXX. I Have XXXX. I am XXXX. Please Help Me and Solve This Problem. 
My statement for XXXX XXXX was {$1100.00}. Some one in XXXX made fraudulent charges. These charges were never removed successfully. After the fraudulent charges were removed, you still have me owing XXXX on the XXXX, XXXX statement and {$1800.00} on the XXXX XXXX statement. How is this possible when no additional purchases have been made to this account and the amount before this incident occurred in XXXX XXXX, I only owed {$1100.00}? Some one in your operation fraudulently charged this amount to my account. I should owe no more than {$1000.00}. 

My Request 1.Remove the more than {$800.00} in unaccounted for fees that appear on my XXXX and XXXX XXXX statement as requested above. 
2. XXXX XXXX Statement Stop charging me late fees and over the limit fees. One of your agents caused the over limit fee when those erroneous charges were allowed in XXXX XXXX Do n't charge me for your mistake. Also my account balance should be no more than {$1000.00} when you remove the hidden charges ( {$800.00} + )
I was approved for a Walmart credit card yesterday on XX/XX/2018 and they refuse to send out my credit card and told me that I have to go through another security verification and I just fax in my notarized documents and my id and they wanted me to do a phone number verification and I explain to them I only have one working number they said its not a good number and this credit card account is showing up on my credit reports as a active account and they refused to mail my card out to me
The following accounts are on my credit report but do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Companies listed on my credit report have been disputed. They were unable to verify the account. This has been ongoing. Some have been deleted, however the same company that has been deleted leaves some of their claims in tact. The following companies have not verified any of their claims under law and continue to renew claims which are decades old in origination, inaccurate, invalid, and fraudulent which is unlawful under the FTC and FCRA. I have entered into no contractual agreements with these agencies, nor have I ever conducted business with them or authorized them to receive any of my private or personal information. Any information obtained by them has been obtained unlawfully, fraudulently, and without my consent. Anyone who receives or uses this information without my expressed written consent are doing so illegally and are in possession of articles of my identity by way of theft. 

Pursuant to the FCRA 611 ( 5 ) ( A ), Trans Union is required to promptly delete all information which can not be lawfully verified. All of my attempts to be provided with documents held on file from their company has gone ignored.
I set up a payment agreement for {$50.00} a month in XXXX XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XXXX XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.
XXXX XXXX approached her mortgage servicer, PNC, in regards to a short sale on XXXX XXXX. Although XXXX is XXXX years old and does not live in the subject property any longer ( now lives with her son ), PNC forced her to go through a review for a loan modification. A borrower who does not live in the property and does not have rental income is typically not forced to go through the loan modification review. Our first offer on the property was dated XXXX XXXX, 2015 in the amount of XXXX. Once it was determined that XXXX clearly did not qualify for the loan modification, PNC agreed to review her for short sale as she originally requested. 

Months went by and we finally got to the point where an appraisal was completed for our short sale review. The appraisal from PNC came in at XXXX. Once we were advised of the appraised value, we immediately countered the buyer at full value. They would not reduce their offer ; however, we had multiple back-up offers in place. We advised PNC immediately that we had many other interested buyers who were willing to pay the amount that PNC was looking for. PNC, instead of working with us to review the other offers on the property, closed the file and advised me that I had 15 days to submit a new offer. This message came from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed and emailed a new, higher offer from one of our back-ups to PNC. This offer is for XXXX which is above appraised value. Upon speaking with XXXX XXXX again at PNC, she informed me that as of XX/XX/XXXX, we would need to wait 14 days before the file was assigned to someone else to begin review. Another email from her to myself stated that the " file will start at beginning all over again. '' Clearly, that message was contradicting and utterly confusing based off of prior conversations we have had. It does not make sense that PNC would wait 14 days then start the process from the beginning. We have an offer that is above PNC 's appraised value, a seller who quite clearly qualifies for a short sale and now we are going to be faced with extreme delays. There is no way that this buyer is going to wait x amount of months for PNC to pull their act together and review his offer. By the time they re-open the file, their appraisal will expire! Their review is inefficient, lazy and not a single person that I speak to at PNC will take any accountability and work to find a solution. 

PNC is clearly forgetting that the short sale is in their best interest as well. A foreclosure certainly is n't. We are lucky to see an offer as high as we have and PNC 's games are unprofessional and do not do their borrower any service.
On XXXX XXXX, XXXX I sent Prosper a voided check to change a bank account that was closed to fraud. I had notified Prosper to make the changes and set up the payment for the XXXX. Prosper failed to set the auto payments on and did n't reach out to me via mail. I have not received a letter, but rather a notification from the credit reporting company. They reported my loan late and never bother contacting me until I reviewed my records over the week. I have a lot of bills and to notice that a loan agency failed to make corrections. I called them up today and made the past due payments. They failed to offer a discount on the due amount, even other banks gave late fee waivers due to the natural disaster that affected XXXX County, Florida during the hurricanes. The customer service was untrained at handling the situation, they did n't understand the difference between a manual payment and an auto-payment when I told them I wanted to ensure auto-payment was still on. They assessed a late fee to my account and reported my account to the credit reporting agencies. 



Loan To Collections XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Your Attention Needed : Payment Past Due. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXX XXXX User Received Message A message was sent to you. Subject : Payment past due. View message. XXXX XXXXXXXX XXXX Account Set Bank Account As Primary XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Primary bank account changed. View message. XXXX XXXXXXXX XXXX Account Bank Account Added XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : Bank account added. View message. XXXX XXXXXXXX XXXX User Received Message A message was sent to you. Subject : AutoPay has been turned off. View message. XXXX XXXXXXXX XXXX Loan Ach Payment Settings Edited The ACH payment settings on Loan # XXXX have been edited. New payment setting is : Manual. XXXX XXXXXXXX XXXX
I have close to XXXX Amex points and they have frozen my account for well over 6 weeks saying that there is an internal review going on and they can't tell me when I will be able to use again. 

This is totally unacceptable.
Over the past year in a half I have attempted several times to have all three credit bureaus to remove incorrect information on my credit reports. I 've also sent many letters to the creditor asking them to provide me with details on the account they claim I owe. I 've requested original documents with signatures of when the account was open and to date I still have n't received any information. In the past, I have been a victim of fraud and identity theft. I am requesting this information be removed from my credit report.
XXXX is reporting on my credit that I owe XXXX from back in XXXX but I did not open an account until XXXX and still have XXXX without any balance. I feel that my identity might of been used because I do not have a balance with XXXX and I still use them as my phone carrier.
Walmart claims that I have two accounts ... one that has a debt of XXXX and XXXX. I have one Walmart card and it was stolen. I do not owe this debt nor do I have two accounts.
By manipulating his personal information unlawfuly with an intent to introduce a collection to his Equifax credit report and in retaliation after complaining about this credit bureau, Equifax violated Mr. XXXX asserted rights especially the ones under the Fair Credit Reporting Act ( FCRA ). As of today XX/XX/2019 Equifax either pretend No issue existed or Equifax is challenging the law knowing it violated the FCRA in Mr. XXXX case. Equifax decided to write Mr. XXXX Record in the way it sees it profitable for Equifax. Equifax must comply to the FCRA or a lawsuit about those violations caused by Equifax is coming to face this credit bureau. Equifax Has all the information necessary to correct Mr. XXXX personal information and without waiving his rights, all stated herein is to his current state of belief, knowledge and understanding and subject to anything and at anytime by him and without prior notice .Equifax you know what you need to do. Comply to the FCRA and address the issue with good faith or you will loose at the end when you face an indictment of fraud directed against a citizen and a severe punitive damages and other will be requested in a court of law so you chose between doing the right thing or face the legal consequences of your wrong thing youve been engaged in.
The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
I purchased my home a little under  three years ago. The purchase price was {$250000.00}, I made a {$2 0000.00} down payment and now owe {$190000.00}. I have over 20 % equity. I have never made a late payment and I have an  XXXX   credit score. De spite all facts abo ve Freedom  Mortgage refuses to cancel my PMI. I have submitted several written requests, made several phone calls and exhausted all options I am aware of. They keep denying my requests with no attempt of providing an explanation. They only answer I have been able to obtain is that the decision is made by a team of people I ca n't talk to. Please help.
THIS ACOUNT HAS BEEN DISPUTD BEFORE AND SHOULD NOT BEEN MY MY CREDIT FILE, THIS COMPANY IS UNKNOWN TO ME AND DOES NOT HAVE AUTHORIZATION TO HAVE MY PERSONAL IDENTIFYING INFORMATION UNDER FEDERAL LAW, AND FDCPA GUDELINES.
I have been receiving phone calls who are trying to harass me over the phone. They have been asking me that I have to pay some amount to someone in Montana. I thought it was a wrong number but I have received a letter today asking me to pay {$74.00} to Creditor : XXXX XXXX XXXX - XXXX MT. 
I really dont understand who they are and why are they harassing me. This is ridiculous and Im tired of their constant nagging. Please help!
One Main financial XXXX XX/XX/2016 Branch manager informed me that my loan was a signature loan. When I asked why I had to have a list of collateral he said that because I was on XXXX for a XXXX XXXX that I needed to show that I was not destitute. I was assured it was only a formality. I did not understand at the time that I was putting my household goods up as collateral. I take very heavy XXXX for my XXXX XXXX and I have a XXXX XXXXy to understand things..especially when I'm rushed to sign papers I havent read.. My interest rate was also 29 % on my loan. My credit at the time did not constitute a interest rate of 29 % .. Disability and life insurance was added to the loan against my knowledge. A check had already been cut to the insurance co. I was asked to sign. I had no idea it was not required for the loan.. The disability insurance is useless since I'm already XXXX.. 

XXXX XXXX XXXX XX/XX/2016 to present.. {$2400.00} I was charged a 39 % percent a.p.r after insurance was added to my loan.. I was not informed of my right to not have insurance included in my loan.. As in the case above a check to the insurance companies was already cut and I was asked to sign. XXXX XXXX was aware of my XXXX and I believe I was discriminated against due to my XXXX. I was charged a predatory interest rate because of my deminished capacity to understand what I was being asked to sign.. At one point I seen 46 % interest on my loan app. When I questioned it they told me to ignore it because it didn't mean anything.. My loan payment is {$170.00} a month and {$78.00} of that is interest.. At the time of my loan my credit score did not constitute a 39 % interest rate.. Especially when 5 months later I got a loan at 29 % with the same credit score.. Again I was rushed through these meetings so fast that I could not keep up and did not know what to ask.. I take medications such as XXXX, XXXX, XXXX.. Theses are XXXX  and XXXX medications. I truly thought that these nice people were trying to help me.. 
This was written by a second party and signed by XXXX XXXX All statements and facts are true to the best of my knowledge.. 
XXXX XXXX
I have been recently checking my credit reports and I have found that Automobile Acceptance has reported inaccurately among the XXXX credit bureaus, XXXX, XXXX, and XXXX. My credit reports show on XXXX as never been late for XX/XX/2016, but XXXX and XXXX show late. This information on XXXX and XXXX is being reported incorrectly.
Iam here to complain that i made arrangements with loam company JBS Iam currently 8 days behind and Talk to the office manager XXXX advised i would make payment om wednesday XXXX/XXXX/2016 and they came and repo my car on the XXXX/XXXX/2016 I was 8 days late they lied and took car anyway please can you help XXXX XXXX
I received a phone call on my cell phone demanding to talk to someone that my number does not belong to. I do know the person but I very seldom talk to her. I informed the person calling that I no longer talk to this person and he got angry and said I need to tell her to call him. I again told him that I did not talk to her anymore and he got more nasty and told me that she put me down as a reference and I needed to tell her to call him. I again informed him that I did not talk to hardly at all anymore and he said that he did not pull this ( my ) phone number out of thin air and to give her his number. He refused to listen to me that I did not talk to her anymore and continued to harass me about her. I finally told him I would take his number just to get him to leave me alone and stop harassing me. He would n't tell me who he was with so I had to use a reverse phone directory to find out who was harassing me. It seems that the person he was calling about owes money, this has nothing to do with me, I know nothing about this debt and he would not get off my phone. he got nasty and kept harassing me about someone I no longer live with or talk to very often.
WELL I BEING TRYING TO REMOVE THIS ACCOUNT FOR THE LAST 4 MONTS FROM THE CREDIT BUREAU AND ALSO FROM THE CREDITOR, EXPLANING ALL MY INFORMATION WITH COPY OF MY SS AND MI ID CARD SO THEY CAN KNOW THAT THIS ACCOUNT IS NOT MY BUT THIS ACCOUNT STILL IN MY REPORT UP TO DATE.