WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I made a timely online banking payment to my XXXX XXXX Citi Visa card ( Citi ) in the amount of {$1000.00}. On XX/XX/XXXX I noticed late fees for non-payment on my statement and I started to investigate. I checked my bank, XXXX, online banking records and verified my payment was made and sent before the deadline. I called Citi and explained that the payment was made and that I would provide confirmation. I printed my confirmation and mailed it to Citi and thought it would be resolved ; however, Citi sent me a letter several weeks later and said they never received the proof. They advised me then to fax the proof to them, My bank, XXXX, faxed them the proof. After my bank faxed the proof, two weeks later, Citi sent me a letter stating they never received the proof ; however, in the meantime, I received a letter in the mail from Citi stating they received the payment but it had an incorrect account number on it so they sent it back to my bank. Citi did not provide their " return '' of fund tracking information and the funds never showed up in my bank account. I called Citi and asked for their tracking information, return of my payment, and they could not provide. I then went to my XXXX XXXX branch and met with the branch manager who called Citibank. The Citi representative advised him to, again, fax the proof, which he did. Five days later my bank branch manager followed up with Citi and they again said they did not receive proof. Branch manager faxed again. I then receive a letter from Citi stating that they are unable to locate the money ( even though they previously admitted they received it but returned it to my XXXX banking account.
I contacted XXXX on XXXX to remove my fraud alert. I then received a letter from XXXX saying my request was forwarded to XXXX and Experian. Surprisingly, both XXXX and Experian created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from Experian because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.
I have been dealing with the credit bureaus for over 6 months now in regards to a XXXX financial account that is reporting inaccurately on my credit report. In XXXX I sent a couple letters asking to look into the accuracy of what was reporting and 30 days had passed without an answer on their investigation and description of the procedure. Additionally, in XXXX XXXX I mailed a lack of response letter asking why nothing had been corrected or deleted to no avail. I've also reached out to XXXX XXXX and the only response I got was a letter sent from a " convergent outsourcing '' which is a different company. 

I know the bureaus get paid money from the creditors to report negative and positive accounts as a business product. It's extremely unfair because it allows the creditor to report whatever they want and the bureaus claim they verified the accuracy without showing how they reached their conclusion. 

Attached are some of the most recent letters that have gone out. My complaint is against XXXX  and Experian. Hope this can help me move on so my family can prequalify for a new home. Thank you
Complaint is against XXXX XXXX XXXX, in regards to loan balance is reported incorrectly on all XXXX credit bureaus. Ive requested numerous times starting in XXXX XXXX for XXXX XXXX XXXX to update the balance on my credit account with them. Ive contacted them via phone, from their website portal. I also submitted disputes with all three credit bureaus. As of today the balance is still incorrect. The mount owed is {$870.00}. 
This is an issue for me when Im applying for credit. I cant afford to keep sending certified letters to the credit bureaus requesting for them to update the balance. When I send in email request they never respond. 
Flagship Credit Acceptance was informed to update the balance from XXXX because I would be applying for a mortgage loan. Please assist with contacting the company and getting the balance updated on my account thanks.
XX/XX/XXXX Me and my husband signed an extension agreement for {$1900.00} which included the monthly payment and any late fees. Once that amount was approved my account was supposed to be caught up. The 1 month payment and all of the late fees were to be moved to the end of the loan. I called to verify that the extension was approved and I did see where they did move the payment to the end of the loan but not the fees they moved {$1300.00} to the end of the loan and made the account current and due for XX/XX/XXXX. I have a copy of the fax I will attach it. My mortgage has now been transferred to another servicer and the late fees are still on the loan. Can you see that they do indeed remove the late fees per our agreement on XX/XX/XXXX.
TransUnion continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, TransUnion is reporting my social security number incorrectly. I have been trying to correct this error with TransUnion for more than a year, to no avail. I have sent TransUnion a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however TransUnion continues to send the same letter indicating that they will not correct the information due to reporting from XXXX XXXX. I then reached out to XXXX XXXX regarding the trade line they are reporting on my credit profiles. XXXX XXXX continues to indicate that they are not reporting the incorrect information that TransUnion alleges and they do not understand why TransUnion is reporting the information incorrectly. TransUnion is the only CRA reporting my social security number incorrectly. Both XXXX  and XXXX have my social security number listed correctly ( see attached ). TransUnion is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. TransUnion refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call XXXX XXXX, to no avail. They report that they have not provided the incorrect social security number that TransUnion is reporting.
Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX
I have sent in several disputes and FTC Reports to EQUIFAX, XXXX  AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX US BKPT CT FL XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX APARTMENTS. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX The company listed herein is shown on my credit reports across all Credit Report Agencies. According to them, I have opened an account and have an outstanding balance of {$400.00}. I totally and utterly dismiss this assertion. Upon discovery of this derogatory account, I did inform the company in question along with the 3 credit reporting agencies about this fraudulent account. 

I have requested verification and/or validation of this alleged debt but to date this information has not been forthcoming. I have provided proof that my personal information, including my social security number, have been compromised, as confirmed by the US Office of Personnel Management. I have also submitted a Federal Trade Commission ( FTC ) Identity Theft Report and the company in question has failed to respond. I implore this company to delete this account from my report with immediate effect.
I previously filed a complaint XXXX. The company replied on XX/XX/2018. They attached a letter verifying the debt. They attached statements. The statements show my address yet the address is missing my apartment number, I live in a building therefore this seems to be a fraud account opened without my authorization.
A company named Avant has discriminated against me when I applied for A personal loan, I was approved but in the end they denied me, and refused to take my income after approval. I am now being harassed by this company they are switching passwords on me as well as hacking my accounts, hacked into my daughters phone, and my XXXX sons phone is not working properly due to the hacking, also my sons school meetings have been interfered by this company .they are worried I am going to file against them for discrimination, and harassment. they have caused me XXXX by toying, harassing,, and following me everywhere I go, preventing me from checking my credit accounts, and setting up my accounts and interfering with school meeting for my XXXX son. they are in all my bank accounts including credit cards, and they interfere when I pay on my accounts. this company Avant is very criminal, and I hope, and pray they do not keep on doing this to others also .they broke into my email, and not letting me in my mail to check messages for school or my credit accounts .they need to be investigated and prosecuted for this torment they do to people its awful. they have called me at XXXX XXXX am harassing me, and sending me messages with an old lady voice, calling my daughter with A XXXX number, they sent me a note on my cell saying they get an illicit thrill spying on me, I have asked them by email to leave me alone I do n't want any loan from them as they are criminal. I received emails at XXXX. there are many bad reviews on XXXX, and XXXX, XXXX, and news paper articles on their arrest due to discrimination, and harassing others the same as they are harassing me, and causing emotional stress I pray someone from FTC can help me with these criminals, and stop them from harassing me, and my family. this has been going on for 3 months now, and its now considered torture for us. can you please help me stop these criminals. the FTC has information on Avant they have A criminal record. they are using up all my XXXX on my daughters cell phone, and I want to get that money back from these thieves. they have done so much damage to me, and interfering with my daily life schedule for 3 months now. it has been pure torture for me, and my family we all are dealing with this company Avant, my XXXX son who is homeschooled has watched me cry, and its been awful for us. Can you please help me with this criminal company so they do n't torture anyone else like they have done to me. I thank you, and hope we can work together to prosecute them for harassment, and discrimination, and emotional distress so they do not do this to anyone else. I am willing to travel to the FTC to help with this. the chief of police, and the Attorney XXXX office has been helping me on this, and sending me your way. Thank You so much, and I look forward to hearing from you.
I have received numerous phone calls to my cell phone ( XXXX ) from XXXX ; sometimes, 2-3 calls back to back in one day. The number will ask you to press XXXX to speak with someone ; however, no one is ever available to take the call. 
Today ; I was called, yet again and this time XXXX XXXX answered after selectingXXXX, I advised I had no knowledge of the bill stated owed XXXX, he advised I needed to look it up on the internet to find out. I asked him to no longer contact me. He stated he would contact me at a later date. The repetitive phone calls to my cell phone are harassing, and should be covered under the TCPA. Since Northeast Collection XXXX is n't able to provide any details to the bill, yet continue to harass me, I request a cease and desist before I move forward with legal action. 
A written request has also been sent XXXX XXXX XXXX XXXX NY XXXXEvery call received ( answered and missed ) is documented and printed, including the voice mail messages left.
Phone number XXXX keeps calling my home and leaving the following message : " We have an important message from Independent Recovery Resources, Incorporated. This is a call from a debt collector. Please call XXXX. '' When you call the provided number, it gives you their contact information ( IRR, Inc. XXXX XXXX NY XXXX ; irrcollect.com ) the option ( press 3 ) to enter in your phone number if the debt does not belong to you. I have submitted this information and I continue to get the calls.
I was looking at my XXXX  score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are CBC Innovis XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.
Toyota Motor Credit is reporting a repossession on my credit file for my auto loan on the car that is still in my possession and paying faithfully every month. They are in clear violation of the FCRA.
Dear Sir/Madam, I just received a debt collection letter dated on XX/XX/XXXX from State Collection Service , Inc. XXXX XXXX XXXX XXXX, XXXX WI XXXX for {$30.00} to my mailing address at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. The letter indicated the past due account have been referred to its office for debt collection. 
I initially made an appointment for XXXX on XX/XX/XXXX @ XXXX with XXXX XXXX XXXX XXXX XXXX Hospital XXXX XXXX for preliminary XXXX a ( XXXX ) XXXX at XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX. But I called their office at the number stated above may be around ONE week prior to the appointment date to cancel the appointment because I did not want to go through with the XXXX after consulting with friends and family. The secretary on the phone reaffirmed me that the appointment has been cancelled and I had nothing to worry about because there will be no XXXX. 
Now, 6 months later today on XX/XX/XXXX, I received their first notice of payment of {$30.00} through this credit agency. Why did the secretary tell me it was cancelled and still billed for for an office visit I did not go to? I 've never received any bills from XXXX or any written notification from their office for this {$30.00} bill either to my mailing address ( XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) or my home address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) until now through this collection agency. 
This is NOT good for my credit nor is it fair for me. I am going to mail the {$30.00} payment to State Collection Service, Inc. today. But please request XXXX Hospital to remove this from my credit history as it is clearly NOT my fault nor was I aware of what has transpired. Thank you in advance for all your help in this matter. 

Sincerely, XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Client Account Number : XXXX Service Date : XX/XX/XXXX Account Balance : {$30.00} Total Amount Due : {$30.00} From : State Collection Service , Inc . 
XXXX XXXX XXXX XXXX, XXXX WI XXXX Phone Number : ( XXXX ) XXXX or Toll Free ( XXXX ) XXXX Hours : Mon - Thurs XXXX - XXXX Fri XXXX - XXXX, Sat XXXX - XXXX
The problem is that the collections account is listed as LVNV and I received notification from XXXX XXXX called LVNV they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.
Citizens Bank is not recognizing a court issued document. 
I was provided with a three page document for " Voluntary Administration '' dated, signed by the Register of Probate and stamped with a seal. 
The bank wrongfully insists that the Court will be sending some document, a call to the Probate Department @ XXXX verified no further issue is coming from the Court. 
I do not think it is my responsibility to wait for the folk to learn what they should know to hold the position they have. 
Just want to close the account. have been there four times already.
Our mortgage servicer failed to pay our XXXX property taxes on time. It took over a month of multiple emails and phone calls to get the taxes paid, even though the money was in our escrow account. After paying the taxes over 4 months late ( we only realized they were not paid after XXXX XXXX sent us a notice of intent to lien our property ), the servicer sent us an updated escrow analysis that increased our monthly escrow payment, and incorrectly included our sanitation/solid waste fee in the analysis. The analysis also included a revised payment amount effective XXXX/XXXX/XXXX ( which increased payment has been paid ). I contacted the servicer on XXXX XXXX to let them know the solid waste fee was improperly included, and provided proof that the fee has been paid out of pocket, not through escrow. They initially responded via email stating that the fee would be removed and we would receive a revised escrow analysis and monthly payment amount within 9 business days. As of today, XXXX/XXXX/XXXX ( almost 2 months after initial contact ), we still have not received a revised statement. I have followed up multiple times in writing, to which I received XXXX response basically stating they had changed their mind about removing it because it was " set up at closing ''. This is also inaccurate, and I provided them a signed copy of our escrow account disclosure from closing which only included XXXX Taxes and Insurance. I have followed up multiple times since providing this information, and still have received no response. On top of the non-responsiveness, the servicing department only has a generic " servicing '' email, so you never have a name or email address of an actual person to even know who has emailed you or who you are emailing. Additionally, if you call customer service, they can not provide you with a name or contact information for an actual person who handles escrows, they only state that they can " put a note in the system '' and escalate it to the escrow department. I contacted them in ample time to get this taken care of before our increased payment went into effect on XXXX, but since it has not been resolved, we have now had to pay the increased payment amount that wrongly includes escrows for solid waste and sanitation.
Commonwealth finance posted debt on my credit report from a XXXX that in 2011. I did not receive a letter or documentation that i could make payments on this debt before in was placed on my credit. When I tried to dispute the debt through the credit bureau they posted another account on my credit report. 

The company is also not licensed to collect debt in the state of Florida
I haved disputed this with the credit bureas and provided proof of the inaccurate information. All three credit bureaus are reporting different information which proves it is inaccurate and the refuse to update this information
XXXXXXXX XXXX  claims that my son took out two loans using me as a co-applicant in XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency Williams & Fudge. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted Williams & Fudge and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and XXXXXXXX XXXX was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with XXXX XXXX but Williams & Fudge representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now XXXXXXXX XXXX attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.
I previously disputed, with TransUnion on XXXX XXXX, 2016, inaccurate information regarding my account with XXXX # XXXX. This information has caused me to be denied credit because of it lowers my credit scores. XXXX XXXX by and through the credit reporting agencies are reporting that I have missed a payment or was 30+ days past due in the month of XXXX 2016 is inaccurate. Please see my attached receipt for cash payment in the local branch office and through a teller at the window on XXXX XXXX, 2016. Additionally, it is being reported that my last date of payment was XXXX XXXX, 2016, when in fact, I made no payment on this account on XXXX XXXX, 2016. My receipt confirms the date and time of my payment.