WillisBack/dataset-financial-user-claim huggingface dataset:
They claim I owe for merchandise I do n't remember ordering and never received from CA and IN. 
XX/XX/XXXX, company name : XXXX XXXX and XX/XX/XXXX, company name : XXXX XXXX XXXX . 
Original amounts : {$92.00} and {$97.00}, which as ofXX/XX/XXXX, the total comes up to {$270.00}, including other charges, penalties, interest, etc. 
I have repeatedly informed them I never received this merchandise, and they keep on sending mail, and I keep on receiving constant telephone calls. 
I have asked them to provide proof of anything ordered by me with my signature affixed to any purchase order, or something similar, and they have not complied with that request, due to the fact that there is no such paperwork in existence. 


































































4
Received a call from Credit Management LP stating that a letter was sent to me to collect on a debt XXXX. I explained that the account was opened fraudulently. I investigated the bill further and became aware that the bill was created at another address in which I do n't reside and was connected to a number XXXX that does n't belong to me. They may have skiptrace to get my number to start harassing me about the debt and claiming they spoke to me when in fact they did n't. I informed the rep that called to not put this on my credit report and that the conversation being recorded states such and that I will take action against them for any damages that occur from this said debt. I will need a copy of a signed contract agreeing to ownership and responsibility to pay this debt. Without proper validation of this debt the reporting and collection tactics are a violation of the FCRA and the FDCPA.
In correspondence dated  XXXX  -2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
HarleyDavidson collections was Paid for debt owed on XXXX XXXX,2015. STILL shows as being open on XXXX XXXX credit. called this establishment and was told that it takes 30 - 45 days to be removed. It has been 43 days effective today.
First Heritage has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
CRA violation no knowledge fraudulent accounts on my Experian credit report. FTC ID Theft Report # XXXX
We were in escrow for both the condo we were selling and the house we were purchasing. The closing dates were in XXXX and within a week of each other. The monies from the condo sale were to be used as an substantial down payment on the pre-qualified loan for the house mortgage. A week before the condos escrow closing date our buyer backed out due to family issues. 
XXXX XXXX from Guarenteed rate assured us we could get a different loan then the pre-qualified one. This would require just the savings we had around XXXX $ as an down payment and not the condo sale monies. The mortgage monthly payment dues however were over twice as much as the pre-qualified one and not sustainable for our familys income. XXXX promised before even the first mortgage payment due in XXXX we could recast the loan paying down the principal after the sale of our condo. 
We sold our condo in XXXX and XXXX was out of office for the XXXX XXXX XXXX XXXX. Once he was reachable again and many phone messages left for him, we received a letter from Guarenteed rate on XX/XX/XXXX stating once we wire XXXX $ to them they would recast the loan for a monthly payment of XXXX $ We wired the monies within a week. Once Guarenteed rate received the money XXXX XXXX called to say it was impossible to recast the loan as promised and stated in the letter we received on XX/XX/XXXX. We now can not afford our mortgage payment. XXXX also promised to return our XXXX $ so we could at least afford to pay the inflated mortgage out of that lump sum but in doing that to not go bankrupt we still lose XXXX $ until able to refinance as proposed in XXXX. 
That conversation and assurance that our monies would be directly wired back to us was at least two weeks ago. And then once again suppose to be returned by Friday XX/XX/XXXX. Guarenteed rate has not returned our money and now XXXX is on vacation according to his voicemail where I can not leave messages until Monday XX/XX/XXXX. 

We want our loan recasted with the promised mortgage payment. This is unacceptable that they refuse service promised and still keep our large sum of money.
My Interest Rate is 21.15 % which is 3.25 % + 18 %. This is a ridiculous rate! Wells Fargo was unable to tell me how this interest was determined. They could not tell me if my Credit score was an issue, financial position, etc. I believe that this is illegal and a company should always be a in a position to explain how it determines its fees.
I owed a debt on a pass due traffic ticket to Alliance One. In XXXX, they intercepted my state tax refund of {$190.00}. In XXXX i qualified for the XXXX XXXX program reducing what I owe to about {$88.00} including the {$50.00} processing fee. I paid the processing fee up front on XXXX XXXX. I should get back approximately {$150.00}, but Alliance One claims this money is theirs to keep because the tax refund intercept is considered a payment that is irrelevant to the reduction of the traffic fine. I suspect this is a fradulent claim.
In late XXXX, I received a certified document from XXXX XXXX XXXX, XXXX indicating that XXXX XXXX XXXX got an ordered from the XXXX XXXX XXXX, XXXX to appoint XXXX XXXX XXXX as a receiver for a XXXX XXXX XXXX. After some research with XXXX XXXX, XXXX, I determined that this account was not mine and wrote two letters to XXXX XXXX XXXX with this information. XXXX XXXX XXXX insists that this account was mine and currently XXXX XXXX XXXX has frozen two accounts at my bank attempting to collect this debt. XXXX XXXX XXXX has allowed me 10 days to resolve this dispute and on XX/XX/2017 will proceed to remove the money associated with this judgment from my account. I would like to resolve this matter as soon as possible and have any record of this judgment removed from my credit reports and social security number.
Hello Ive recently was notified the my opportunity for employment has been denied because of my equifax credit report. Two fraudulent collections accts from hunter warfield was re inserted on my credit filed after being proven fraud and deleted TWICE and from all other bureaus. These acts was reinserted on XX/XX/XXXX. Equifax has maliciously allowed whomever to continue to harm my well being. I consider my self a pretty savvy consumer and i did the research " '' IT 'S AGAINST THE FCRA TO REINSERTED ANY PRIOR DELETED ITEM WITHOUT NOTIFYING TO CONSUMER 5 DAYS IN ADVANCE '' Ever since the Equifax breach I 've heard things like that was happening via the internet but never in a million years i thought it would happen to me especially after i went through XXXX proving it was n't mine debt. Up until XXXX XXXX, 2015 I stayed with my now divorce wife in our house so how the XXXX i have apartments in my name. I 'M TIRED OF THESE ISSUES I CALLED EQUIFAX AND THEN THEY ALL OF SUDDEN THEY COULD N'T VERIFY WHO I WAS YET THEY JUST REMOVED INQUIRIES AND PERSONAL INFO. SO THEIR CONTRADICTION IS SO SO CLEAR AND DELIBERATE ... THEY KEEP ALLOWING THEM ALSO TO ADD THE FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX link to the bs accts
I bought my car through XXXX XXXX XXXX In XX/XX/XXXX. On XX/XX/XXXX I made a payment of {$200.00}. I owed {$190.00} plus late fees for XXXX payment, and XXXX payment of {$190.00}, I call them and told them the payment was made. They said it was alright and when could I make another payment. I told them another payment would be made on XX/XX/XXXX and that was good with them.Nothing was mentioned to me, and I never received anything in the mail being repo On XX/XX/XXXX they had my car repossessed, when I called them and asked about it, '' They were not very helpful and would not try to explain the reason for this ''. All they would tell me is to pay {$500.00} dollars and I could get the car back. After they told me that making a payment next week would be fine. I called and ask to speak with a supervisor they would not get one, so I talked to XXXX, I got the same thing from her saying pay the {$500.00} to get the car back. She told me {$200.00} was for past due and {$300.00} for repo fee. I also have to send proof of insurance,2 check stubs, and a utility bill in my name for proof of address. I have always made payment arrangements with them in the past when behind and always got it caught back up as fast as I was able. I was also told when I called at XXXX XXXX on XX/XX/XXXX that I had call and told them I wanted it repo.
I wrote a check from my Chase Bank account to a XXXX customer. The check was deposited into XXXX checking account ; it was cleared and the image was posted on my Chase account. However, the payee reported that the check in her XXXX account was reversed with a fee, after it had been credited. Who has the money? The money was already drawn from my Chase account by XXXX. How can I trace this money?
CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, CHEXXXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL XXXX XXXX XXXX AND GO XXXX XXXX WHILE XXXX XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
I have sent several written requests for VALIDATION of the bankruptcy shown on my credit report. No validation has been sent to me, yet they insist it has been verified and will not be reinvestigated. On XX/XX/2017 @ XXXX I called Experian and spoke with XXXX ( dept. # XXXX ) and asked HOW they verified it. He said they have people who to the courthouse to review records. I asked for a copy of the record they got. He then backtracked and advised they hire a third party company to go to the courthouse and review the records. I again asked for a copy of the report they provided with the documentation. He stated there was none, everything on their report is on my report. I stated I wanted to see the documentation they were using to place the information on my credit report. He stated they do not keep paper records. I asked for a copy of the report from the third party vendor that he was looking at on his computer. He said there was not one. I asked if he could at least provide me with copies of the documentation from each of the credit card companies that they verified all the accounts they have listed " discharged via bankruptcy ''. He said they have another department " verify '' that with the credit card companies. I asked if THEY could give me copies of proof they validated. He said they could not. Lastly, I advised that I had notified them on several occasions that they were incorrectly reporting my mortgage as " discharged via bankruptcy '' which is not true. It was sold to another mortgage company and I sent them a letter I obtained from the new mortgage company stating same - and they still have not removed it from the report. He said he does not see a copy of a letter in his computer so he can not remove it. It is shameful that these people are ruining lives by limiting access to credit using incorrect information! They clearly do not verify or validate anything I have disputed - they look it up on their computer and say " Yep, it 's verified '' and move along. I asked XXXX how they could write a credit report with all this harmful and incorrect data and can not even provide me with proof that they validated the information. He flat out had no answer. I have sent them proof that the address for the mortgage they are reporting as discharged is incorrect, that XXXX does not even have an account for me any longer and they still have not removed those items either. Is n't reporting incorrect information punishable by a fine for each offense? Should n't they be able to provide proof via legal documentation and means of the Bankruptcy and associated credit cards showing as discharged? Please take them to task and make them do what 's right and delete negative items that they have validated. Thank you.
The accounts listed below are still reporting to XXXX, TRANSUNION, AND XXXX. These accounts do not belong to me. I have reported these accounts several times and the appropriate actions have not been taken. Please, delete these accounts immediately. 

XXXX XXXX XXXX XXXX / XXXX   XXXX Last reported : XX/XX/XXXX + {$560.00} Needs Attention XXXX XXXX / XXXX  XXXX Last reported : XX/XX/XXXX + {$300.00} Needs Attention XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  Last reported : XX/XX/XXXX + {$120.00} Needs Attention XXXX XXXX XXXX/ XXXX  Last reported : XX/XX/XXXX - {$300.00} Needs Attention
I have filed a credit card dispute regarding a health fitness charging my card after they have closed. I no longer have access to facilities but they are still charging my card manually. The phone number on credit card statement is no longer in service however the bank refuses to stop payment on the transactions and are forcing me to make payments even though the gym is no longer in business. The bank that I am having an issue with is Chase.
On XXXX, I received an Email from a credit bureau company indicating that chase has added a missed payment to my credit history. It was surprising since I knew I was enrolled on auto-payment program, so it is impossible to miss a payment. I contacted XXXX and they informed me that they have sent a letter to me on or around XXXX XXXX indicating that my auto-payment has been turned off. However, they surprisingly sent the letter to my previous address in XXXX, while currently it is more than a year and half that have abandoned my previous address in XXXX and live in XXXX. In fact, in XXXX, I contacted chase via phone and updated my address, but based on my recent communication with them, they have failed to update my address for some reason! Accordingly, I missed a crucial correspondence with respect to turning off the auto-payment on my account, which led to delinquency and unfair report to the credit Bureaus. I talked to XXXX XXXX XXXX on XXXX at XXXX XXXX with respect to my complaint. She mentioned to me that she has left a note on my account regarding her finding regarding my complaint. 

Accordingly, given that chase failed to update my address, despite my request to do so via a phone call in XXXX, and chase has turned off my auto-payment after I enrolled in the payment program while subsequently failed to send correspondence with this respect to my updated address, I hereby request chase to correct its wrong-doing and remove the missed payment from my credit report history. 

I thank you for your cooperation and attention to this matter herein.
My XXXX year old father went to his PNC Bank in XXXX MD with a withdrawal slip in hand to get cash from his checking account. He does not use the cash machines at his age. 

My father asked XXXX at the PNC Bank front desk to help him fill in the withdrawal slip to get {$400.00} cash from his checking account. Instead XXXX talked my father into getting a second credit card ( he already has a XXXX credit card from this bank and puts about $ 1,000/month on it ) XXXX neglected to tell my not-tech savvy father that this new credit card had a annual fee of {$85.00}. My father didn't need this, didn't want this and asked me to help him figure this out. Shame on you, XXXX! 

I'm sure XXXX decided her signing bonus was worth more than talking an elderly individual into something they didn't want or need. I find that reprehensible. 

I am ... a daughter who is helping her father stay independent by being his bookkeeper.
Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires.
Dear CFPB : Chase responded to our claim of wrong IRS Form XXXX ( Copy B ) for XX/XX/XXXX & XX/XX/XXXX ( CFPB # XXXX ; # XXXX ). Their letter goes : Dear XXXX & XXXX XXXX : We received your request to update your loan. 
According to our records, the amounts reported on your Form XXXX ( Mortgage Interest Statement ) for tax years XXXX and XXXX are accurate. 
In XXXX, the amount of interest reported to the IRS was a total of 7 months of payments including your XXXX through XXXX for a total of {$5800.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$5800.00}. 
In XXXX, the amount of interest reported to the Internal Revenue Service ( IRS ) was a total of 12 months of payments including your XXXX through XXXX for a total of {$10000.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$10000.00}. 
Chase Here are problems : ( 1 ) Chase says that, in XXXX, they reported to IRS that our interest was {$10000.00} ; but Copy B we received says {$8800.00} XXXX see attachment ). 
If {$8800.00} was wrong, we must file an amendment to IRS. 
So, we want to receive a correct XXXX Form XXXX from Chase. 
Chase must be correct this time since we think that the figure should be ~ {$9900.00}. 
( 2 ) Chase says that, in XXXX, they reported to IRS that our interest was {$5800.00} : 7-month payments for the year. 
This must be wrong. 
Since we made 12-month principal payments ( which made the remaining mortgage balance {$350000.00} and current ) for the year, the interest payments must be for 12-months. 
We hope Chase could promptly straighten up their accounting mess.
Portfolio Recovery Associates, XXXX for amount of {$630.00}. I have sent Portfolio Recovery Associates, XXXX  debt validation in which they did not respond. They also reported this item to my credit reports with XXXX, XXXX and XXXX. The item was removed from my credit reports then placed back on. Portfolio Recovery Associates, XXXX has not complied with my request at all.
Nationstar has been improperly reviewing our client for their modification and has still not conducted a proper review for a modification. Additionally, even though Nationstar is in complete of a complete package pursuant to XXXX CFR XXXX and have not sent a letter to our client that they are not eligible for review, they affirmatively filed a motion with the court to seek a sale and were successful in obtaining a sale date in clear violation of the guidelines. 
Regarding the improper review for modification, they have wrongly denied the file a few times based on completely inaccurate income information without any explanation as to how they obtained the income amounts. During the reviews we have been given conflicting information as well including that the file was in review and the next date hearing from someone else the file is denied and then we were told the day after that the file is in review.
On XX/XX/XXXX I paid {$8.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 

On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. 

According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account. 

On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account is still on my Equifax credit report. I am now submitting a complaint to the Consumer Finance Protection Bureau to obtain their assistance on this urgent matter.
I was looking through my credit karma and see I have a hard inquiry on XX/XX/2018 from Credco. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
Hi my name is XXXX XXXX. I received a mortgage statement from XXXX XXXX informing us that my father mortgage rates had changed and the new rate take place XXXX XXXX, XXXX. My father has been deceased since XXXX XXXX, XXXX and the house supposedly foreclosed. My mother was told that the house foreclosed. We were living in it at the time until approximately XXXX XXXX, and the mortgage payments came directly out of my father 's account. The house was auction off and we were ordered to leave. This had never happen to us before and I 'm not sure now that our order to leave was valid. ( I was in another state at the time, because I was a contractor who traveled XXXX of the time, and could be away for months or years. I usually handle things like this for my mother XXXX XXXX, but my brother XXXX XXXX had gotten her a lawyer who was supposed to help her. This lawyer charge Thousands of dollars and never did any work or appeared in court as he led them to believe. I do not think this was a real lawyer and do believe he was part of an identity theft group. ) The people who won the auction sold our house XXXX XXXX and have the mortgage still in my deceased father 's name. The name of the company is XXXX XXXX, XXXX who is listed on the property tax documents, also on documents is XXXX XXXX XXXX as owner. During my research this company has several addresses XXXX ; XXXX XXXX is a XXXX XXXX. We would like to sue the company and Wells Fargo for fraud, using my father 's, supposedly closed, mortgage account to cheat us out of our house. XXXX XXXX XXXX has been all over the media for identity theft from their employers. Rep. XXXX XXXX is vs. Wells Fargo. I contacted her office for help, and I was informed to file a complaint with the Consumer Financial Protection Bureau because I was not in the XXXX area. ). Please help!!!! My mother would greatly appreciate you helping us get our rights to ownership and a settlement for stress and distress. Thanks for your time.
Transworld Systems inc bought out XXXX. through XXXX I did the loan rehabilitation program. They did not follow throgh on their legal agreement. Now they are refusing to send me in writing the original application and terms and agreement of the loan. The ombudsement group is useless. Who is going to make these people reaponsible? You already let them get away scott free for calling my job and trying to collect on the debt which is illegal. Now they are refusing to provide XXXX with documentation about the loan rehabilitation program.