WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX   XXXX , I noticed a collection account on all three of my credit reports. The tradeline was for a telecom account at an address in a state I do n't live in. I contacted the company and discovered the account was indeed attached to my name and social security number, but I never opened this account.     In fact, when the account entered delinquent status, I was currently in a contract with the same telecom company but in  XXXX  -- my place of residence. I filed disputes with Equifax,  XXXX  and  XXXX  and included my current  XXXX  contract and government issued ID. Both of these documents provided proof of address and length of residency.       XXXX   and  XXXX  immediately removed the account, b ut two ye ars later, I am still battling with Equifax. I tried again in  XXXX  of  XXXX  and  XXXX   XXXX . Each time Equifax claims they have determined the account belongs to me. I am now fully convinced that they simply matched my name and social as " verification '' and that was as far as the investigation went. They never explain how they came to that conclusion or why they believe I should be held liable for an account in my name that I did not open.     Thank you so much for all the hard work you folks at the CFPB do on behalf of all Americans. You guys are fighting the good fight!
Please see the attached. Enclosed is a USPS report pertaining to mail fraud that supports my requests that Chex Systems , Inc. only respond via registered or tracked mail.
I was applied online on XXXX credit card, after that I got a letter " we do not have enough information about you, send us copy of your SSN and prove address '', I did that twice by fax, first time from my job, second time from Chase bank office. 
In several days I got approved on my XXXX credit card and I was expecting this card by mail, but I got a letter " we closed your account because we don't have enough information about you ''. I didn't get a card at all. I went to the bank, manager told me that they can not tell me anything, they will send me a letter with explanation. 
I waited more than month and I didn't get anything. Then I went to the Bank office and spoke with manager about this situation, he gave me phone number appropriate department, I called them and they told that account was closed more than 30 days ago and they can not do anything. It means if I got a letter from Bank I in time, I would have a chance to handle this situation, but they didn't send me anything. 
Also I don't understand why they don't have enough information about me if I sent them SSN and PG & E statement ( prove address ) and they approved credit card but after they closed account with explanation " we don't have enough information about you ''. 
My credit score dropped down from XXXX to XXXX because of this situation.
I am disputing the amount NCC Business Services trying to collect. The amount submitted for collection is not valid. I sent dispute letter to NCC Business Services and NCC is ignoring my dispute request.
I agreed to a loan modification on this equity loan which was to start XX/XX/XXXX 2015 with XXXX payments of {$170.00} on the XXXX of the month. I have completed XXXX payments on time only to receive in the mail the XXXX statement indicating the XXXX payment made on their posting account of XXXX/XXXX/15 has increased my previous balance and getting a loan modification has served no purpose other than to collect more funds from me. See attached documents. My understanding with the Bank of America resolution manager was that part of that payment was to go for the principal and part to interest as I inquired before even agreeing to this modification. Instead as you see on this statement they have described the loan modification amount as " cash receipts '' subtracted it from the previous balance of {$100000.00} XXXX which includes the real equity balance of {$98000.00} plus the past due amount of {$6700.00} XXXX then added on a finance charge of {$220.00} bringing it to {$10000000.00} which is more than the previous balance. This is their way of helping customers with a loan modification.
XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX, XXXX TX XXXX to remove the inquiries on phone, they said I should ask Credit Bureau, when they will contact ask them, we will ask them to remove. 
I spoke to XXXX credit Bureau, they told me to contact the company who pulled the credit file, or I call individual company. 
My credit is ruined by these marketing guys, My son XXXX years old goes to college, he is on XXXX, I am trying to get a vehicle XXXX but due to many unauthorized inquiries and negative impact on credit report I am declined for that and also for other financial help I try to get some loan. Please help me I am not able to deal with big companies they do n't care and do n't want to listen what I am saying. For me and my XXXX son its very important to remove from my credit repot. 
I would appreciate for your kind help, you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX, due to too many unfair and unauthorized inquiries. 
I have attached XXXX files, includes all XXXX credit Beureaus Consent to publish the description of what happened? Consent provided Supporting documents Unauthorized Inquiries list XXXX XXXX XXXX Bearues.docx ( XXXX ) credit iquiry XXXX Beureaus.pdf ( XXXX )
This agency harasses when payments are late. I 've gotten in to trouble for receiving excessive phone calls at work. When I do call to make a payment, they ask why I am paying the bill late. I feel asking why I 'm making a late payment is completely a violation and unnecessary ; I 'm clearly having financial trouble. They have taken out unauthorized payments and when I have an issue do not call me back.
XXXX shows a hard inquirie on XX/XX/2017 on all three credit agencies. I have gone thru the the endless cycle calling back and forth to XXXX and the credit agencies. XXXX did send some paperwork requesting my of my information, in which I submitted the paperwork ands its been 8 months. I never applied for there airline credit card. So can please help to rectify this situation.
I have contacted ACS repeatedly regarding my payments being too high and me being unemployed and was told forebearance and deferment are my only options. Then a friend told me about the income based repayment plan so I asked ACS. They sent over the paperwork to fill out and I did it. I spoke to them when submitting to make sure everything was accurate and he told me I had to use my unemployment as income so I did. I said what happens after I turn it in? He said you just do nothing, make no payments, and wait to hear back from us. So I did. After a few months ( Im a single mom trying to make it through day to day so remembering to check on my status wasnt at the top of my priority list. ) I remembered I had submitted it and hadnt heard so I called and they told me that it was denied because I made too much money on unemployment at $ XXXX before taxes. ( After speaking to someone else at ACS I found out I wasnt supposed to put my unemployment on there at all!! So if I was given correct info I would have been fine. ) I didnt resubmit because I was currently working on a 4 week project and so I was told there was nothing I could do. The problem now is all those months I wasnt paying because I was told not to went into my credit report and they refuse to remove them. So now I am trying to find an apartment/but a home for my child and I and I cant because I have too many late paymentS from ACS and so nobody will even rent to me! So now I had to move in with my parents at XXXX years old. Its ridiculous they can do this and not be held responsible for single handedly ruining my life. 

Looking at my account- my principal borrowed was around {$11000.00}. I have paid over {$7000.00}. Yet somehow my remaining balance is around {$14000.00}. How is that even possible?! My loan has over doubled??
This debt collector American Recovery Service Incorporated XXXX XXXX XXXX has been harassing, demonizing, stalking and threatening me for years. It appears that they are part of a criminal racket which is money laundering for drug cartels. i : have indicated to XXXX that i : never borrowed any monies from whoever they claim that i : borrowed money from. In fact, recently, i : did an investigation and found out that my identity has been stolen. When i : saw that there are XXXX different types of my name XXXX not a single XXXX being correct ] has been used with my SSN to economically damage me, i : reported that to police and to FTC. i : also send several debt validation and verification to these people or their co parties agent XXXX XXXX ) principle XXXX XXXX ). They never ever validated nor verified the alleged debt. Moreover, i : have demanded that these debt XXXX to send me their particulars to wit : XXXX License, XXXX, XXXX XXXX and XXXX XXXX so that i : can mitigate my economic losses that they continue to cause me, i : want to be able to make several claims against their particulars, Id but they are concealing those in criminal violation of XXXX XXXX XXXX XXXX Concealment ] while they continue to unlawfully damage me and my family. Please have these criminals stay away from me and my family, as far as possible.
On XX/XX/XXXX I submitted a request with Chase bank through my checking to have them pay {$2200.00} to my mortgage company, XXXX XXXXe. On XX/XX/XXXX Chase bank gave notice the check was sent. However, XXXX XXXX never received the money. They sent me a late fee of {$71.00}. I went into the Chase branch on XX/XX/XXXX to complain about the lack of service. Chase bank started an investigation ( Case # XXXX ) It is now XX/XX/XXXX. Chase bank has failed to return my money even after I was told by a woman named XXXX who is in charge of my case that the money would be delivered within 2-5 business days. That was on nearly 2 weeks ago. I called again today and she was out to lunch at XXXX. 
It is very close to Christmas and I am now suffering financial hardship because of this Banks blatant disregard and willful negligence to recover my money. They have had this money {$2200.00} for nearly 2 months now without any recourse on my part to be able to pay my mortgage and take control of my finances. To add insult to injury, they have charged me overdraft fees due to insufficient funds into my account. 
I am a veteran and fought for this country. We, the XXXX people bailed this bank out with our own tax dollars and this Bank has treated me and others with financial impunity. Shame on this bank and it 's greed.
Ocwen loan servicing has not given a account statements monthly ( none to date ) falsely reports on my credit report and is keeping payments in suspense. Multiple contact with this company in ref to these items, goes unchanged.
I received a {$200.00} prepaid U.S. Ba nk Gift card a s a gift. I never even opened the package until I first attempted to use the card in  XXXX  of   XXXX  . The package says the card valid until  XXXX , so I never thought there would be a problem. Upon trying to use the card for the first time, it was denied. My first phone call was to US Bank, they told me the card had been compromised, and they would reissue me a new card. I receive a new card with only {$11.00}. I called back, and they said now I would not have to fill out dispute paperwork for the  XXXX   XXXX   XXXX  unauthorized charge of {$180.00}, which I did submit. Then I receive a letter stating my request was denied due to the fact the suspected charge was older than 120 days. At no time did any customer service agent tell me this would have been an issue. No where on the outside of the package does I say there is a timeframe for disputes, or the fact that the card not protected if not used within so many days. Can you advise me if I have any other recourse?
I recently refinanced with my mortgage company Nationstar. During the process, I had to provide them with my current XXXX XXXX policy to be updated with the new loan number and for my escrow information. We completed the refi process and set up the escrow account. Prior to my first payment being due, I received a letter from Nationstar stating that they did n't have my Homeowners info and that they would be placing lender paid insurance on my account, causing my monthly payment to go up. I know that I provided the information or else my refi would have been approved. I refinanced another property that I have with Nationstar a few years and I ran into the same issue. One time is a mistake, 2 times is a trend of how they operate. It is my belief that they are doing this to unsuspecting homeowners and some how benefitting from the lender paid insurance. I ca n't prove this yet but its too coincidental. I tried to speak with my employees at Nationstar and they are promising to correct my situation, but I believe that it is bigger than that. I work in the mortgage industry and understand the process. If someone else did n't have that knowledge they could easily see their payments jump up and not know why or how to resolve it.
To be honest the closest description would be lack of information because I have not received any notification in 4 years that I have an outstanding balance. I did not even know this debt existed up until about about 4 months ago. It almost seems like they 're letting the interest build up purposefully. I can not verify from either parties if this debt is even mine because I have not heard a peep from either of them.
I am in the process of paying an attorney for Chapter XXXX. I contacted XXXX different loan companies advising them of this and told them to cease all contact with me. The continue to attempt to call me on my cell phone and at my work.
On XXXX XXXX, XXXX I was told I that all my information was being viewed for modification and any foreclosure procedures were on hold. I had an auction date for XXXX XXXX. I received a letter on XXXX XXXX that my modification couldnt be approved because my house had a sell date with in 7 days.
Summary : I can not get a low-interest rate on a Mortgage Loan because Heartland ECSI reported me to the credit bureaus and never notified me that I was every late on a payment when I had set up autopay. 

Whole Story : I would like to move back to my hometown to be closer to my family and before I do so, I want to buy a house there. I saw that my credit score had slowly been decreasing over the past year and a half as to no idea why. I looked further into the matter and hired XXXX XXXX in XXXX or XXXX of this year. That is when I found out that " XXXX XXXX '' ( but its really Heartland ECSI XXXX has been on my credit for years without any knowledge as to why. 

XXXX XXXX sent a letter on XXXX XXXX XXXX to XXXX XXXX on my behalf asking for documentation of late payments ( I 've attached this documentation ) Then XXXX sent back a letter on XXXX XXXX XXXX stating that I had multiple " NSF '' payments over the years ( Letter is attached ). I had absolutely no idea about any type of NSF 's XXXX non-sufficient funds ). I call XXXX and they continuously tell me that I still am late on payments, when I call Heartland ECSI and they are telling me that I am up to date on all of my payments. 

I did further digging and found out that it is Heartland ECSI reported me to the credit bureaus and not XXXX XXXX when XXXX XXXX is what shows up on my credit reporting. ( you can see the attached documentation of a conversation I had with a customer service representative ). 

The XXXX XXXX XXXX XXXX are building my case to dispute this matter with the credit bureaus, however, it has been extremely difficult because everything has to go through XXXX XXXX when Heartland ECSI is the lender that has reported me ( XXXX has not reported me ) There is an attached document of all of my payments with the totals highlighted in yellow at the top. For years I have been accruing over {$600.00} in late fees without having any knowledge that there was an issue with late payments. I never received a phone call, letter, or email in the 6 years that I have had this loan. 

This has been a very difficult process because I have to communicate through my school to get to XXXX, and everyone that is trying to help me is also having a difficult time understanding that XXXX did not report me to the credit bureuas because " XXXX XXXX '' is what shows up on my credit. 

My lawyers are working on building a case to file a dispute however, time is of great importance when I am trying to get a house and move to be closer to my family. I also have no idea how disputes work, I am trying every avenue to get this matter resolved as quickly as possible. 

Not only has XXXX ruined my credit, they have deterred me from being close to my family, and they have also charged me with {$600.00} dollars in late fees when I was never made aware of any late payment. 

If I had known there was an issue, I would have handled this matter years ago however, Heartland ECSI never contacted me about any NSF throughout the 6 years Ive been paying my loan.
I've been working with Equifax credit company for several years and they honestly do not care or want to help me. There's several bad address on my credit file that are fraud and 24 fraud accounts on my credit file with them, but no one will help me. I deal with the office of the consumer affairs sense theirs been so much fraud on my credit file. I have faxed them a new police report every year with fraud accounts and they never remove the fraud accounts no once. I contacted everyone of the banks that had fraud accounts of my credit file and they all said we have never received anything from Equifax, but we have gotten reports from XXXX to remove the accounts asap. I'm attaching a new police report with fraud address and accounts on it. Next step will be legal. i want those accounts off my credit file asap and for them to keep the police report on file. The office of the consumer affairs want even let me dispute anything until i give them a ID and police report, I have given them my ID and police report several times and they keep losing it for some reason. Please help me. My bank loan on my house is being called in because of the fraud account showing on my credit file with Equifax. Everything has been removed from XXXX, XXXX several years ago.
Hello - I am hoping you can help me with an issue that seems to be spiraling out of control. I have multiple credit cards that are owned/handled by synchrony bank. My husband left a year ago and as a result my finances were severely impacted and I missed a payment here and there on those cards. Some, however, I have never missed. As a result, Synchrony began systematically canceling my credit cards stating " serious delinquency, time since delinquency is to recent or unknown, revolving accounts is too high, number of accounts with delinquency. '' While I do not dispute that I have missed a payment from time to time, I do have a MASSIVE issue with the fact that, at this point, Synchrony bank is single handedly ruining my credit by continuing to cancel credit card after credit card, many of which were COMPLETELY paid off. I have no idea what my recourses are at this point, and I need some help/advice on what to do to resolve this snowballing problem.
In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with Transunion but they did nothing but remark my account.
On XXXX/XXXX/2016 I was charged XXXX {$35.00} fees for XXXX bounced checks. The checks were or {$5.00}, {$10.00}, {$10.00}, and {$50.00}. I called to see if they could assist on removing the XXXX smaller ones, those XXXX checks do not even total XXXX of the XXXX overdraft fees. i was advised they could remove XXXX. I asked to speak to a supervisor, I asked him the same question and was advised if it was a bank issue he could refund all of them but due to it being my bookkeeping issue there was nothing he could do about it. The man was hastly and unconcerned about the situation.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, XXXX XXXX
I have a line of credit loan with Wells Fargo ( and car loan with XXXX ). Both are simple interest and both use a tactic that when you make an additional payment over the minimum instead of going against the principal they are applied to future payments. To apply additional payments to the principal you need to make a separate payment and forward to a different address. What a pain and not like my mortgage. Seems to be similar to loan tactics of the XXXX that tried to to discourage paying off loans early and max interest costs/payments
Ive reached out to all three ( XXXX, Equifax, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.
Identity thief With the bank help, my name was forged and I lost over $ XXXXout of XXXX banks. Sheriff Department called it a civil case. I am a XXXX year old service connected veteran, my attorney help sell me out also, I need a federal investigator. XXXXXXXXXXXX