WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 I contacted JJ MARSHALL in an attempt to pay off a debt, not only were the customer service representatives rude due to me missing a previous payment ( due to financial hardship ) but they voiced that I was already being summons so they wouldn't accept my payment. I spoke with XXXX XXXX and she was hard to deal with and even had an attitude when I tried to discuss payment methods, she transferred me to XXXX who I initially set up the payment arrangement with and she pretty much dismissed me due to me missing the first arrangement ( even though I was ready to pay the debt today ). I feel it was unfair of the company to treat me as if I was less of a person in the discussion when I was trying to determine a method to pay, as a debt collection company, I would think that getting their money would be the main focused, she proceeded to tell me that I was already being dealt with by the court so there was pretty much no need in me trying to make the payment that I was trying to provide and to just wait for the summons. JJ Marshall overall is not a debt collection agency that wants people to pay their debt but they're trying to get people to get sued in court instead taking the payments.
TRANSUNION IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. 
WHEN THEY REMOVED THE FRAUDULENT ADDRESS THEY SHOULD HAVE REMOVED THE FRAUDULENT ACCOUNTS. 
THEY HAVE BEEN NOTIFIED SEVERAL TIMES ABOUT THE FRAUDULENT ACCOUNT. THEY WERE NOTIFIED BY CERTIFIED MAIL WITH RETURN RECIEPT AND BY REGULAR MAIL AS WELL AS SEVERAL DOCU, MENTED PHONE CALLS. 
I WILL USE THIS IN MY DEFENCE WHEN I FILE MY LAWSUITE AGAINST TRANSUNION. All they do is simply verifiy an account, THAT IS NOT CONSIDERED A PROPER INVESTIGATION. I WOULD LIKE NAMES AND PHONE NUMBERS ON EVERYONE THEY SPOKE TO TO VERFY THIS FRAUD ACCOUNT. PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP. 
( XXXX XXXX XXXX Closed : XX/XX/2018 )
EQUIFAX IS NOT REMOVING OLDA ACCOUNTS THAT HAVE PASSED A 7 YEAR STATUTE OF LIMITATIONS FROM MY CREDIT REPORT! 
I have proven to Equifax munerous times for 6 months now that XXXX XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity and XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity. None of the other bureaus are reporting it anymore but EQUIFAX keeps stating that they verified it with the original creditor, when I have letters from XXXX XXXX XXXXXXXX and XXXX XXXX stating they are NOT REPORTING THIS OLD ACCOUNT AND THAT IT SHOULD BE REMOVED FROM MY CREDIT REPORT. 
please help this is damaging my credit and Equifax is being totally ignorant to the F.C.R.A. rules and regulations
Four phone calls and a faxed letter requesting the payoff amount on the loan. Attempted to payoff balance online but it was rejected because it exceeded their " limit ''. Attached is a letter that was faxed requesting for the payoff amount. As of XX/XX/2019, still haven't received a payoff amount from them ( XXXX bank / Loancare )
A name on my credit report is wrong - I have never been XXXX XXXX - please remove.Names Reported XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX
I am divorced from XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?
During my 3-year period as a XXXX, I had chosen to place my loans in deferment, which is an option that is allowed, and is interest-accruing. When I finished XXXX and my partner and I were applying for a mortgage, the lenders identified numerous accounts that had been reported to credit bureaus as delinquent. The time period in question was early XXXX months where I was still actively a XXXX. I wrote to Navient to dispute the delinquency, with all the required paperwork, and was denied to have the bad reports removed. I am still struggling to raise my credit score to where I can get approved to buy a new home.
There is a unknown account and charge listed which looks very old also. No verification has ever been given. I have disputed this with no outcome and requested validation with nothing given. Please help assist me.
XXXX, a division of Suntrust Bank, offered low interest rate for used private auto loan. I applied online, specifically choosing auto loan. They contacted me with a few follow-up questions, and soon after denied my loan, referring me to some other company. When I inquired why I was never asked what vehicle I was buying, they told me it was an unsecured loan application. I 'm not disappointed that I was denied. I 'm angry because they misled me and dinged my credit report. I was not looking for an unsecured loan.
I have a personal loan with TD bank. I paid it online through my XXXX checking account. TD Bank ( as many other vendors ) can't get an electronic transfers from XXXX directly, so XXXX issues paper checks and sends them through a regular mail. I took this loan in the spring of XX/XX/XXXX and up until XX/XX/XXXX there were no problems - I made payment online, XXXX cuts and sends the check, TD deposits the check. Starting on XX/XX/XXXX of this year all my payments started  returning to back me. Every time I called, I got the different answer : it's XXXX 's fault, we didn't get anything, we don't know, the company that XXXX uses is at fault, maybe an account number is incorrect and I have to add XXXX XXXX before the account number ( didn't work ), the mailing address is incorrect ( I copied it from TD web site ). TD 's system is being updated, etc. TD bank also switched me on " no paper '' billing, even though I didn't ask for it and, even though, many times I asked to get back to paper bills, there are still no bills at all, not over the mail, nor by email. I get call, from tine to time though, when unidentified person asks me to confirm my address and DOB. when I ask why, I am told that they couldn't tell me unless they have a confirmation first. My explanation about potential identity theft falls into a deaf ears. Meanwhile, every once in a while TD bank fines me for not paying in time, which obviously could reflect negatively on my credit history. Once I was advised to pay through they web interface, which I tried. Twice I managed to do it, but every time it took two weeks of attempts to get through.
On XXXX XXXX attempted a payment for private loans with Navient account # XXXX. My online account showed a fee of {$14.00}. My account was current due to IBR and on-payments. My total amount due according to the system was to be {$530.00} with their Quick Pay system. My card was charged {$14.00} and {$330.00}. The rest of the payment was unprocessed without confirmation. I contacted customer service and Agent # XXXX confirmed that {$14.00} was a for a late fee which was to be applied to interest on my federal loan. My federal loan is on a $ XXXX and the rep said I did not owe this, yet I have been charged. I called again today and logged into their system and the account is showing that {$480.00} is owed. Which is incorrect. The system declared an amount owed for XXXX XXXX loan was {$150.00}, Agent XXXX 's system said {$140.00} was owed and processed that amount. Why is Navient continually showing late fees that are n't on a borrower 's account with an autopay system that just collects this. Even when I have tried to keep my payments current the system is overcharging and so is Navient. This system is designed to keep people in debt! This is outrageous! My student loans combined are more than XXXX of my income. I can barely make ends meet! Also it seems the only way I can get them to do anything right is via phone with payment by credit card and now they are charging {$15.00} to process this way and this is the first time they have disclosed that fee. When they overdrew my account before at no time was there every acknowledgement of any fees charged! Why is my statement showing more than what I owe? Are they arbitrarily adding money to my loans? My balance is $ 107+! Please advise.
XX/XX/XXXX I opened an account with you folk approximately 2 months ago and funded it through transfers {$1400.00} and {$600.00} respectively ( see below ). You sent a confirmation as to receiving these funds. I believe it was on XX/XX/2018 Coinbase drafted an additional {$1000.00} from this account which was totally unauthorized ( theft ). I've been trying to get the funds back now for over 8 weeks to no avail.  The emails continue to say our investigation is underway which is nothing more than stalling. With the millions you, as well as Coinbase have made with these cyber currencies, why in XXXX would you refuse to return a paltry {$1000.00}? Oh, I know as I related to XXXX XXXX that I'm a XX/XX/XXXX-year-old XXXX XXXX and the targets get bigger each day on seniors especially if you happen to be XXXX. XXXX XXXX, I have literally begged these people to put the money back into my checking account and they keep stalling ; I'm aXXXX-year old senior whose income is less than {$1500.00} a month. I need my money, what little I have. Please help me Below are the actual bank drafts from Coinbase which shows  the unauthorized draft of {$1000.00}
Identity theft I fax police report and all I can fax! My USA passport this is not my first case about lost my adentity I Lear how to deal with it till they can arrest the guy.. right now Im asking you to verified everything and return it to the original creditor! Is XXXX and delete it from my credit thank you!
I signed up for the " XXXX XXXX '' credit card several years ago after having an account with US Bank since XXXX. The card promised airline flights on a tiered mileage program where I could get a ticket for XXXX points/dollars spent without restriction on when I could travel, providing normal seats were available. I accumulated XXXX points over several years and intended to use them now that I am retired. On XX/XX/XXXX, I called in to XXXX plan to book a flight late in XXXX. I was shocked to find out the XXXX plan program was changed in XXXX to a market based system where my points are now worth about 60 % of what they were worth 10 days earlier. After several hours, I finally booked a ticket at XXXX points. The options available for when I would travel and stops were also very limited through XXXX plan, but not if I contacted the airlines directly. So I am now having to pay whatever the market will bear ( and it does appear the airlines are charging the bank top fares which get passed on to the consumer under this new system ). The promise I will not have closed days and higher cost days is also now invalid because now the market value basis on popular days or popular times makes the cost in points prohibitive. If the bank had implemented their new program but made points accumulated to that point grandfathered in under the tiered rules when the points were accumulated, there would not be a problem. The bank tells me they sent snail mail envelopes to my post office box notifying me of these changes, but I did not receive any notices of this change. They could have emailed me, called, or provided some sort of confirmed receipt of the messages they supposedly sent -- but no effort was made by the bank to do that. I do not believe the notices were sent to the correct address. Even if they were, the practice of reducing my accumulated points to 60 % of their previous value and not honoring their promises using a grandfathered in approach is irresponsible. I am now XXXX in a protected XXXX class and unethical slight of hand tricks to reduce the value of my travel opportunity now that I am on fixed income shocks me. I do about {$30000.00} in business with us bank each year on my credit card. I am surprised the bank thinks it is worth it to reduce my flights ( using rewards ) from 3 to 2 after all this time and money spent with the bank.
There is a XXXX XXXX credit inquiry on my credit report with XXXX that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report
I received a medical collection bill in  XXXX  addressed to  XXXX   XXXX , I contacted  XXXX  on  XXXX  and spoke to  XXXX  who advised they need to resubmit the bill as  XXXX   XXXX .   Since then I have received several calls from  XXXX . When I mention the bill needs to be resubmitted they say it was resubmitted, however the bills they send me still say  XXXX   XXXX .   On  XXXX   XXXX ,   XXXX   around  XXXX  I faxed a copy of an E.O.B advising  XXXX  that this bill was paid. Fax was sent to  XXXX ,  XXXX  and  XXXX  On  XXXX   XXXX    XXXX  , around  XXXX  AM my husband spoke to  XXXX  who advised it would take 3 days to processif it had been received.   On  XXXX   XXXX , around  XXXX  my husband called back to confirm receipt, she spoke to  XXXX   XXXX  who advised him to call back on  XXXX
i sold a home at XXXX, mi. in XXXX of XXXX i had XXXX $ in an escrow account and was to be refunded this within 60 days. i have called both freedom mortgage as well as their emissary XXXX. i have not only gotten the runaround with both accusing the other, but have not received my money. i am a XXXX veteran who borrowed on a VA loan.
I purchased 2 money orders from western union. The retailer printed the 2 money orders with MT PAYEE printed in the Payee section. I explained the purpose of the money orders, to pay for a mortgage, and the XXXX XXXX XXXX XXXX CT employee stated that the money orders " printed that way ". Furthermore he stated to just write the bank name next to MT Payee. This information is false and has possibly cost me my home. I was in a mortgage modification trial period and now will be late because of this error by the retailer. Western Union said it is 6 to 8 weeks until they will process my refund. This is unacceptable. money order numbers : XXXX - {$1000.00} XXXX {$910.00} I spoke with XXXX of CT Banking Dept
We have an adjustable rate mortgage that is serviced by Wells Fargo, that is owned by XXXX XXXX, that is not eligible for the HARP program. It was sold to XXXX XXXX during the time of the banking industries questionable tactics causing the banking " crisis '' in 2008. While the FED has not increased interest rates and mortgage rates are in fact going down still, Wells Fargo has increased our interest rate. We are not behind in payments but it is difficult to afford this rate increase every 6 months. We have been contacted by loan officers from Wells Fargo stating that they can convert the mortgage, we go through all of the paperwork required, for them to tell us that since they only service the mortgage they can not help us. We have tried this several times with different loan officers at Wells Fargo. We are at least {$45000.00} underwater in our house due to the housing crisis with little hope of the value of our home going up to what our mortgage is. We are not behind on our mortgage, we just want some assistance to get out from this horrible mortgage for a home that will never be worth what we paid or what we can sell it for. We are XXXX and would like to retire in a few years but will not be able to retire while we have this mortgage. We do n't want to have to walk away from our home either, but if retirement is in our future that may be what we have to do. No one at Wells Fargo is willing to assist us with our situation. We have tried to refinance the amount but no lender will give us a mortgage for the amount of our current one since the value of the house is so low. My husband is a veteran and we ca n't even get a VA Loan which he qualifies for because of the value. XXXX is still in bankruptcy and will be forever considering the case is constantly being continued.
To whom it may concern, On  XXXX   XXXX  , 2017 I submitted an application to Ocwen, for a loan modification. I emailed them three p  aycheck stubs as requested, however they said it was a problem with my year to date income. Ocwen relations manager (   XXXX   ) said my vacation pay stub had the same year to date total as my regular pay stub. I explained to them that my company (   XXXX   XXXX   XXXX   ) pay us two weeks in advan ce before our vacation and that would reflect the same year to date as my regular pay.  XXXX  stated that  XXXX   XXXX   XXXX  would have to submit in writing with their company logo on the letter head my date of hire, employee number, and year to date earnings. I explained to her that my employer could only send that information at a local level, meaning  XXXX   XXXX   XXXX   XXXX  will not send sensitive information to a third party. My center  manager  (  XXXX   XXXX   )  sent me a letter to forward to them with all of my information regarding my hiring date, year to date salary, and his contact information. Ocwen relations managers  ( underwriters ) said that was unacceptable and they could not move   forward with my modification request.
I had a Chase card account that was CLOSED and DISCHARGED through bankruptcy since XXXX 2011 but still showing in my credit report. I tried to contact Chase twice via letter but they Refused to remove it from my credit report.
There is Bank of America charge showing up on my credit as open when it was completely done with & closed many years ago. On XXXX & XXXX it has already been removed some time ago. We already tried calling & emailing XXXX regarding this matter but it has still not been removed. What can & needs to be done to resolve this? Please take immediate action in this matter. 

Thank you
Ran my credit report early XXXX XXXX Note a negative collection action placed on my report as of XXXX XXXX - {$680.00} CAPITAL ACCOUNTS , LLC o Collection was dated as active in XXXX, for services in MD in XXXX o I left MD in XXXX to move out of state Agency acknowledged they had received my letter and would send me letter Reached out to original creditor - XXXX XXXX, informed of {$570.00} debt and that theyd sent itemized bill to agency o Never contacted by collection agency, nor notification that collection would be placed on my credit report Sent let of dispute to agency letter requesting verification of letter of original debt XXXX/XXXX/XXXX, per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Called agency to request letter on XXXX/XXXX/XXXX Received itemized bill from original debtor XXXX/XXXX/XXXX and attempting to close out debt Have yet to receive any communication from agency regarding debt
I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.
I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.
I have a mortgage for more than 13 years and it is not reported on all XXXX credit bureaus. I also have had several auto loans which I paid off at XXXX XXXX XXXX XXXX XXXX that I have paid off in good standing not being reported as well.
I have reported 3 times to each credit bureau about fraudulent accounts on my credit report and provided sufficient documentation such as name social security number etc. Still the creditors and credit bureaus will not take these accounts off my credit report at all some of these accounts were under a different social security number but was still attached to my name. Still after calling the bureaus and creditors they still refuse to take them off my credit report. Social security number ending in XXXX is not mines number my number ends in XXXX but are still falling under mine name and I have not applied for credit with any of these companies.
XXXX has continued to persue me over a debt that has been resolved. I have told them over and over that I have settled the debt but they still keep sending my account to collections. I have the settlement letter and the credit bureaus comments on the account stating the account has been settled in full.
XXXX XXXX card from XX/XX/XXXX was dismissed in class action lawsuit in District Court of Maryland in XXXX. Judge XXXX in XX/XX/XXXX ordered XXXX XXXX to dismiss over 10,800 claims against debts Midland tried to collect, they had no license to collect in MD. My credit report shows new XXXX XXXX card opened in XX/XX/XXXX, closed XX/XX/XXXX. XXXX XXXX has new collection of the card they opened in XX/XX/XXXX. This XX/XX/XXXXcollection is listed as a Factoring Company. From what Ive read this is a violation of CFPB/FTC subsection 623 I believe. Im not a company therefore how can they resist this as such. Ive contacted all three credit bureaus since yesterday Im attempting to purchase my first home and these two collections are ruining my credit score. I just wanted to make the CFPB aware of the new tactics XXXX XXXX is

using and they may be in for another class action suit if its not taking off my credit report and I can not purchase a house. Thank you for your time in reading this and hopefully stopping Midland from trying to skirt the law.