WillisBack/dataset-financial-user-claim huggingface dataset:
I was taken to collections because of a federal student loan. All communication was being sent to my freshman year dorm room for over 6 years before being contacted by a collections agency, though my cell phone number was provided as part of my application. I was never contacted by phone. This affected my credit substantially, and I now I have to pay additional interest and fees.
Equifax credit bureau has reinserted an account that was previously deleted off of my credit report. I have disputed this account with XXXX XXXX XXXX in the past and it was removed/deleted from my credit report. I have disputed this account because they have not sent my documents to show that this account belongs to me. I have attached copies of my credit report showing that it was deleted showing a XXXX balance but then in XX/XX/XXXX Equifax allowed XXXX XXXX to report this account on my credit report again. I have disputed this account twice with Equifax and they have sent me a response that this account is proven to be mine. Equifax nor XXXX XXXX XXXX have sent me any information as requested to show this account belongs to me. I have not got any notices in regards to this account. I have obtained an attorney to dispute/investigate this account and by law the account should not be reporting a balance or negatively against me while in investigation. Please have Equifax remove this account from my credit report and correct the errors that have been placed on my credit report.
I saw a credit collection with South West Credit System and original creditor I saw XXXX on my account. I have never open account with XXXX and I have called XXXX they I have no account with them. I have also called south West Credit System they also said I have no account with them too. So I 'm making this complaint so that that information to be remove from my credit report. I disputed with XXXX and they have taken the irregularities or collection from my account but still shows up on my XXXX report. So I want it to be taken off from my credit report. Thanks.
On XX/XX/2018, ECMC sent to my private homestead address deceptive communication alleging they are collecting my social security number, and my home address. I have no account with ECMC, i never applied for an account with ECMC, and i never received a loan or credit from ECMC. This is an act of deception, constructive fraud, extortion, attempting to collect on a discharged debt, and violation of the FDCPA.
PayPal changed my old PayPal account to a Bill Me Later Account without my knowledge. I ordered something back in XXXX and the merchant only used PayPal. I 've used PayPal in the past without any problems, but this time I found myself in a situation I 've never encountered. I have always paid by paper statement with pay pal and never had a problem. I realized on XXXX XXXX that I had not received a paper statement in two months from PayPal. I do n't use online billing services becasue we had our identity stolen back in 2014 and it created a problem with the IRS and we are still getting bills from XXXX company for things we have never ordered. I also do n't check balances on the Pay Pal website because they 've changed their website so much, I ca n't find anything I am looking for. It took me forever to locate their mailing address in XXXX GA where I always have mailed my payments to. I did n't realize that PayPal had quit mailing me paper statements until I made another purchase from a vendor who uses PayPal and that purchase automatically transferred me to my PayPal account. That 's when I notice PayPal had charged me with fees and interest on the XXXX purchase and I had n't paid the XXXX balance because I never received a statement in the mail. If I do n't get a statement in the mail, I wo n't remember to pay anybody. I pay everything by mail-power bills, doctor bills, XXXX XXXX XXXX bills, etc. I also noticed that PayPal has not been using my primary email account to send me notifications. If I had gotten an email from them in XXXX, I would have know then there was a problem. I also noticed that my traditional Pay Pal account had been changed to Pay Pal credit Bill Me Later. This is a misnomer if they are not sending you a bill later.
My husband passed away on XX/XX/XXXX leaving behind a Discover account that was for his business use. I provided Discover with a death certificate and they switched his account to my name, although I had not opened nor signed for the account. I have spent 16 months trying to work with them and eventually turned it over to my attorney, at an additional expense to my family, when the correspondence and phone calls became harassing. Discover has been unable to prove it is my account because it is not. Other creditors offered their condolences and immediately resolved the matter once they were informed of XXXX ' passing. I have spent countless hours with Discover while grieving and attempting to help our children. I am respectfully requesting that Discover remove my name from XXXX account and remove the account from my credit report. My attorney has requested numerous times that documentation be provided that it is my account and Discover is unable to do so. It has been 16 months and the matter needs to be resolved as quickly as possible please. The most recent correspondence from Discover is date XX/XX/XXXX and says that another investigation is happening.
On XX/XX/2015 at XXXX EDT, I made a Moneygram transfer transaction at the Walmart location at XXXX XXXX XXXX XXXX, XXXX, reference code XXXX, in the sum of {$2000.00} with a fee of {$40.00}, to be delivered to a ex-officer friend in XXXX. Unfortunately, when the XXXX went to collect the money, he was told the money had already been received. I made a formal complaint to Moneygram on XXXX XXXX and i was told it would take upto 90 days for an investigation to be conducted. The complaint number is XXXX. Since then, I have tried several times to check on the status of the investigation, and each time i was either put on hold for several minutes and then disconnected, or told to wait for an email response.On XX/XX/2015, i got a voice message from a XXXX at XXXX XXXX stating that the investigation was still in progress and that they would send me email about the status within 2 weeks. More than 2 weeks went by but i did not receive any email. I followed up with XXXX but got no response and left several messages. I made several other attempts and finally somebody told me that the case was closed and that they had evidence that my friend collected the money. i asked for the documentation proof of the money collection transaction receipt to be mailed to me, but i never received them. In particular, i wanted to know where in XXXX the amount was disbursed, the name of the issuing agent, the receipt of the transaction showing the signature of the person who collected the money, and the form of ID used. I called again and again, many times running into dropped calls, and finally a person I talked to told me that i could only sue them ( Moneygram ) in order to get the information. i sent a final email and a hard copy mail to Moneygram XX/XX/XXXX and I was completely ignored. Moneygram fails to admit the fact that there have fraudsters working for them. There are many of such stories as mine. For several years, I have made several money transfers to this family friend of mine and i trust him well to know that he will never defraud me.
On XX/XX/XXXX I applied for a {$800.00} loan. Later I discovered that my payments would be {$320.00} and end in XX/XX/XXXX totaling over {$3800.00}. The interest rate is ridiculously high. I have currently made two payments totaling about {$650.00}. Please help me if possible. There is no way that I can afford this loan.
Mr. Cooper Mortgage Company closed my escrow account on XX/XX/XXXX. On XX/XX/XXXX, I requested a final escrow statement through the date of closing. Mr. Cooper did not provide the requested statement.
On XXXX XXXX XXXX I made a check deposit of {$500.00} via Check # XXXX. Shortly after on the XXXX of XXXX I made another deposit of {$600.00} via check # XXXX. Both checks were placed on a hold. When I called about the holds the rep explained because of the account having a negative balance before the checks would be held. However, my accounts went negative because of the bank. I was given a temporary credit for a claim that I filed with them regarding an unauthorized transaction. However, they stated that they had not paid that particular transaction and that they would be reversing the credit. They did not tell me when they waited days later interfering with my normal banking and for this reason I got charged a fee. That was not my fault at all either way you look at it. The fact that they issued the credit and/or took it back. I got charged two XXXX $ fees, one for overdraft and the other for being 5days overdrawn. I thought of this to be unfair but moved on. Now I am having problems with these holds and I have NEVER had a check returned and the checks I am depositing are from another LOCAL account that belongs to me as well and the money has already been taken from my other account. It is an Estate account and I pay myself from that account. However, I can no longer trust that my money will be available to me so I now have to pay fees to cash my checks some place else. This is not only a inconvenience but a disappointment because I am a new member to Bank of America and thought they were great at helping but I was wrong. I am being punished for their mistakes and it just is n't right. Not to mention I now get charged a maintenance fee for the account that I did not agree to and I can prove this via statements dated back to when the account was first opened online in XXXX. Please help me to get whatever hold they have on me corrected. I am a single mother and student and I need my money to care for my child.
To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX , XXXX  XXXX, FL XXXX BELOW IS NOT MY ADRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX  XXXX, FL XXXX
Equifax put a fraud alert on my credit for what reason, I do n't know. The problem is that I am not able to get credit because they did not include my phone number on the Fraud alert. I called and wrote Equifax asking them to add my phone number to the alert or to remove the fraud alert. Each time I do that Equifax put a brand new fraud alert on my credit. I was denied credit for the fourth time with XXXX XXXX XXXX because of the fraud alert. This has been going on for a year
I have several accounts listed with you that are fraudulent some of these companies such as XXXX acct # XXXX have said they are removing these items as fraud as my idenity has been stolen but your credit reporting company has refused to remove it as such i have filed a fraud affidavit of identity theft and police report notarized the report also includes the email in which it was sent electronically with the named accounts that need to be removed immediately
I took a home improvement card from Wells Fargo Financial National Bank for a home improvement. They offered a 48 month no interest loan. I made an initial payment to even out the amount I would have to pay then set up auto pay from my checking to pay half of the due amount every two weeks. In short, there is no possible way that I have missed or have been late with a payment. When I got my last statement, Wells Fargo has charged me a {$25.00} late fee. The fee was generated because they have cutoff dates when they apply money to the bill and because they applied part of the XXXX payment in XXXX, they have justified billing me a late fee. I called Wells Fargo and asked them to remove the late fee because there is no possible way that I was late with a payment. The agent said, " As a XXXX time courtesy, I can reverse the charge but you will be responsible for future late fees. '' They imposed the late fees through their own action and not because I was late. I have since had to re-structure my payment plan to pay the entire amount once per month so they can not continue to manipulate the pay date to unfairly charge bogus late fees. It is not a courtesy to give me back money that they had no right to take in the first place.
I requested a Chexsystems report because I've been declined several times when trying to open an account with different financial institutions. I don't understand why my account is in Chexsystems when I paid off ( {$260.00} ) the XXXX XXXX XXXX   claim XX/XX/XXXX and the XXXX claim was closed XX/XX/XXXX also I don't even recall this debt. But if it takes me to pay the questionable ( {$110.00} ) to get out of XXXX I'll pay it. But what happens next, is the any other steps for me to take?, or will this release me from your system? If you release me how long is it before all the financial institutions are made aware so I can open accounts? Please help? 

Both institutions advised me it's our off their hands, and there's nothing they can do to help me.
There is an account listed on my Experian credit report as XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Experian has not resolved the issue. They sent a letter stating new information below, which has not addressed the issue.
There is an address in Georgia on my credit report that does n't not belong to me. I resided as a student on college campus in XXXX, GA, but not XXXX. An account was open in my name and social security with XXXX and XXXX using that address and I reported fraudulent activity about 2 1/2 years ago but the address has not come off my report. I do n't want any other accounts abled to open by this mistake on my record. Hopefully this can be resolved within a timely manner. Thank you.
Westlake financial wont take payments by any means. They lied and said my moms check bounced and were trying to charge a XXXX dolloar insufficient funds charge. My mom went to the bank and the bank said " westlake lied and never even processed the check ''. Westlake states they take paymentd through XXXX, XXXX XXXX, but refused tsking payments through these means as well. Its like the company refuses to take paymenys just so they can repo vehicals. A guy came to my home and threatened that he was calling the police and sat outside for a half hour and then left. I demand an auto bailout from westlake financial
They repeatedly call numbers that are not associated with myself and disturb ill people. It is unprofessional and disrespectful. IT NEEDS TO STOP. THEY WILL BE HELD RESPONSIBLE FOR ANY FURTHER DISTURBANCE OF THE ILL PEOPLE. When I call back they put me on hold and then the line gets disconnected. After calling numerous times I am able to reach someone and ask them to stop calling because they are disturbing ill people. Even after asking them to STOP, they still call. I do n't even know who National Credit Adjusters are and how they got the numbers they are calling and what they want!
Equifax had a data breach and my information was included. This is an unacceptable use of my personal information and is potentially damaging to my financial life.
On XX/XX/XXXX I payed my Capital One credit card in full XXXX to avoid interest charges. I used my mothers account because they required payment from a checking account with a routing number and a checking account number. They gave me credit for the payment however they put an 11 day hold on the payment and still have not take in the payment from my mother 's account and have not credited the payment to my card preventing me from using my card. I have called three times. The first time the rep hung up on me. The second time I called they transferred me to the fraud unit and he was unable to help because he could not talk to my bank which I had a rep from my bank on hold to set up a conference call but he refused to talk to her because he said he had to call the XXXX number himself. The third time I called, the Capital One rep called my bank ( supposedly ) and had a bank rep on the line which she would not allow me talk to without interruption. Capital One told me during that call they released the hold on XX/XX/XXXX and requested payment but my bank was not seeing it and there response was see it 's your bank for holding up the payment but it 's done electronically and it shows up immediately even if it takes a couple of days to come out of the account. They have lied on multiple occasions and I believe this is retaliation for paying the account off. Today is XX/XX/XXXX and they still have not done what they said they were going to do.
i have never talked to them over the phone about debt or got any calls at all!! 
i got a letter in the mail from cbsa on XXXX/XXXX/XXXX with balance of {$1700.00} then got another letter from them on XXXX/XXXX/XXXX with a balance of {$4400.00} dollars ... this was a hospital bill from a XXXX i had in XXXX XXXX cause it said XXXX and i was out of work for three months i also had insurance and wasnt aware of a balance never did get any bill i figured my insurance payed so when i got those from the cbsa i really had no idea what is was. my dedutible had been paid in full for the year i have XXXX then on XXXX XXXX i got a letter with no return address with my name and address hand written saying a judgement was placed on me court papers with judge signature and everything on XXXX XXXX XXXX saying that i did not respond therefore accepting validation of said debt. said that i was supposed to respond by XXXX XXXX XXXX i never got anything about this, so how was i gon na respond. It was XXXX country court house in XXXX ok. and i live in XXXX ok. its saturday so im going to go up there monday to get some info and the amount now is well over 5 grand. i dont understand how they can do that.
I am sending this note asking for a update credit report based upon receiving credit hits during Protection Disaster Assistants. My mortgage payments were on time every month for the entire duration of the loan until Hurricane Irma XX/XX/XXXX. I called and made a couple of payments after the hurricane in XX/XX/XXXX andXX/XX/XXXX to do what I could to keep this loan current. I offered to pay the past due amount before they reported again and I was told no need to since I was currently going through a modification. The payments I was making at the beginning of the year I thought were going to my past due balance. I was told that my account was coded incorrectly which caused for the negative remarks on my credit. 
This home is currently under contract for sale and I am trying to purchase a new home. I was told I am no longer pre-approved with these negative remarks and with my Credit Score dropping 88 points. I am 10 days out from being with in the 45 days of closing on the new house and in jeopardy of losing the house. 
I have been calling the bank every day to try to speak with someone and they keep telling me the same thing, there is no one above them that could help me. Im supposed to have a loan specialist and that person has changed twice, I leave messages and can never get in touch with them.

PLEASE HELP!!!

Sincerely XXXX XXXX
I called  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  and spoke with  XXXX   XXXX , the branch manager. She stated that an email from management was sent out to the employees informing everyone that a " false '' inquiry was completed on many member 's accounts via Experian and they were not sure how to correct the problem. Given  XXXX  failure in the past to correct many problems for members and employees, I did not want to take the chance that this would not be corrected. I did not give  XXXX  permission to pull a hard inquiry on my credit as I have not and will not apply for any credit with them now or in the future.   I have attached the letter I have sent to Experian and copied the CFPB and the OCC on this letter as well. I have sent a copy to  XXXX  Board of Directors and the CEO. Please do your best to correct this issue and remove the hard inquiry from my credit report. I thank you sincerely for your assistance.
I would like to file a formal complaint against Experian dba : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX TN, XXXX ( XXXX ) XXXX, for illegal data sharing and providing unknown third parties companies access to my complete credit file. 

Although I had opted out of data sharing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my knowledge or consent Experian provided a complete copy of my consumer report to a third party listed on the report as XXXX XXXX XXXXXXXX XXXX XXXX. 

On XX/XX/XXXX, I received a copy of consumer credit file number # XXXX, and noticed several unauthorized inquires on my file placed by XXXX XXXX XXXX XXXX XXXX 

I immediately contacted the credit bureau for an explanation. According to Experian even if the consumer opted out of data sharing they have the legal right under code ( 604 ) to share my data with XXXX XXXX XXXX XXXX XXXX, who obtained and forwarded copies of my consumer credit report on behalf of hundreds of medical providers. 

Experian could not or refused to disclose to the consumer what companies were provided copies of the consumer credit report personal data or contact information for XXXXXXXX XXXX XXXX XXXX XXXX. 

This action is a violation of privacy laws in addition, Experian had found a loop hole in the FCRA to blatantly distribute consumers data without their knowledge or consent. 

I want a full investigation into the egregious act and CFPB to enact or enforce laws that provides consumer protection from this abusive practice of data sharing without the consumer knowledge or consent and refusing to provided names of the companies or persons that now have my personal data in their possession.