WillisBack/dataset-financial-user-claim huggingface dataset:
Opened collection XX/XX/2013 when I was XXXX about a gym membership that was in my mothers name not mine. Have never once sent me any information but is on my credit score. Have looked at reviews on this collection and reviews say it 's fraud all asking for the same amount of {$310.00}.
I recently learned that I have a series of FFEL loans in repayment in the amount of {$11000.00} currently serviced by Navient, which is currently being investigated by the U.S. Consumer Financial Protection Bureau. In the XX/XX/2015, I was incorrectly mailed notices for being in default with regard to my loans despite making regular monthly payments.
XXXX. is claiming that I opened this account in XXXX, yet my date of first delinquency was XXXX. I have explained to Equifax and XXXX that this account is not mine. I did not open any accounts in that date and further it was on my credit report from XXXX, was removed and then added back as new debt. I have spoke to XXXX and they admitted the account was from XXXX originally. This is not my account because I have not applied for any credit from anyone since XXXX. I have asked this company to even tell me what this is for and they said its from XXXX. I have not had any XXXX anything since XXXX and left with XXXX balance on my account. I demand this be removed from my credit report. Its extortion and illegal at the highest levels.
I had a Bank of America Credit Card, when i came here to the US 2013 for an Internship. After 3 months I went back to my home country XXXX and that address no longer mine and i never received any updated about the credit card. It appeared there was small amount left to be paid on the credit card, although there was more than 5000 in the checking account i could of easily paid but i was not aware that i had payment. It looks like 30, 60 90 days passed on that credit card and after finally learned about it when i visited back to the US i paid it completely. Now i moved to the US for a full time Job. And I'm having problems renting a home because they see this remark on my account. I apologies for this trouble, but as you can see in the past 3 years i never missed a payment, this was an honest mistake as i never knew about the charges.
XXXX XXXX XXXX XXXX was included in my Chapter XXXX bankruptcy that XXXX in XXXX  2016. I have surrendered my interest in the home and it should no longer be listed as my debt. 

I have already contacted XXXX XXXX and they refused to remove this. They told me that they do n't honor court orders!?! I then called my attorney who said that XXXX XXXX is violating the discharge injunction and to contact all the credit bureaus directly. 

I have sent proof that this mortgage was included in bankruptcy to all the credit bureaus and they have removed the information from my credit report. Each time, XXXX XXXX comes back saying the loan was modified and it goes back on my credit report. 

Last year, my ex-husband did something with XXXX XXXX XXXX XXXX to lower his payments and not lose the home. I was not involved in that in any way. XXXX XXXX told me they DID honor our court ordered divorce decree allowing him to modify the loan without me. I have attached the documentation XXXX XXXX sent to me regarding the loan modification in his name only.
Equifax has been non-compliant with removing the unverified account Bankruptcy : Discharged CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy : Discharged CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
An online FFEL CONSOLIDATED LOAN was done online without my knowledge in XX/XX/XXXX ... .with a company known as CHASE. This online CONSOLIDATED a parent plus loan that I thought was paid off in XXXX ... .need computer location address contacted Chase..discovered company now called XXXX  ... still told loan sold to XXXX and no information on how this consolidation occurred online ... twice the interest rate and like I paid nothing..and I paid quite a bit..parent plus ... and badness..internal revenue OFFSETS and wage garnish..on a loan I did not INITIATE NOR HAVE ANY INFORMATION BESIDES THE OFFSETS AND GARNISHES AND WRECKING MY CREDIT ... PLEASE HELP
Rushcard did a maintenance update and locked everyone out of their accounts for 2 weeks and it is still going on at the moment. Cardholders have not had access to their money such as direct deposits, money loads, and XXXX. Contacting the company is hectic and you will be on hold for hours or just get hunged up on. They say they do not know when the system will be back up so that people can access their funds.
I have been checking on my credit reports daily. Recently I noticed a Hard Inquiry on XXXX of my credit reports through XXXX XXXX stating that I " opened up a credit account through XXXX '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an XXXX, i have been dealing with Identity Theft since the beginning of XXXX due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my XXXX XXXX to where I want it to be, and that 's at a excellent level
This debt continues to be reported to the credit reporting agencies as an open collection however I received a " Cancellation of Debt XXXX '' to report on my taxes. If the debt has been ( cancelled or forgiven ) as it reads on the XXXX, how can they still pursue collection?
This is my second complaint after i submitted the first the company has called me one time they have taken the first account manager that was helping me and stuck me with a lady whos ben on vacation longer than wat she has helped same thing she told me 2 submitt papers for loan modification never heard from her i call her XXXX XXXX never in so i call her supervisor XXXX always in meeting then i call XXXX XXXX supervisor never in no return calls i get a hold of XXXX about 2 weeks later for her to say paper she didnt get thats her famous line but she never calls to inform me of any information that they need she is in fact a XXXX she is always yelling rudely i asked for payoff she tells me to fill out papers then itll take 7 days to let me know because they dont send out monthly statement which clearly is a lie because i have one in front of me she stated that they sent out a statement to bring loan current pay this amount so i tried they would not excpect but she stated we have not tried to pay clearly lying run around run around
I have received three letters from XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from CashNet. I also have had several telephone calls from XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a letter to XXXX saying that I had no such debt and have never had any dealings with CashNet. 

On XX/XX/XXXX XXXX XXXX XXXX sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information XXXX sent is a CashNet loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.
I have been told by one of my creditors that somebody stole my information opened up a credit card fraudulently and they told me Im a victim of identity theft
XXXX XXXX XXXX is constantly sending threatening collection letters to me and recently sent one to my son regarding a debt owed XXXX. I attempted to negotiate a 5 year payoff with XXXX and they refused after my home was damaged in Hurricane Sandy on XX/XX/2012. XXXX sold this debt to MCM- I will not pay or negotiate with them. They shared my personal information with someone other than myself which violates collections laws.

I want this account removed from MCM and from my credit reports immediately!
For Calendar year XX/XX/XXXX, Wells Fargo issued me a XXXX in the amount of XXXX, while at the same time the above noted amount was never forgiven or removed from my mortgage principal balance. I have requested for Wells Fargo to explain and provide documentation for their actions. It has been approximately a year now and Wells Fargo has failed to give me or produce any documentation legally justifying their actions. It appears Wells Fargo is double dipping. Getting tax benefits by producing fraudulent documentation mortgage loan was given while at the same time, charging me the consumer the full principal amount of the loan. 

If there are any questio
I applied for a credit card with XXXX XXXX and they use Trans Union to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact TU to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.
I have engaged Wells Fargo in discussion about the wrongful foreclosure process on my real estate security. The following occurred in conjunction with my loan : Account : XXXXReal Estate Residence:XXXX XXXX XXXX XXXX , CA XXXX ) Wells Fargo falsely stated that I should default on my mortgage to obtain a loan modification. Such advice got me behind on my mortgage to which point I could no longer maintain payments without a loan modification. 

2 ) Wells Fargo falsely told me that a short-sale was not possible within the last 6 months leading up to my foreclosure. I found out that this was not true and could have saved my security. 

3 ) Wells Fargo 's customer care and recovery group has bribed and lied to me on many occasions regarding review of my loan. They will not furnish proof of review, recorded conversations, nor led me speak directly with their Vice President despite numerous requests. 

4 ) Wells Fargo has caused extreme grievance, undue XXXX, and sickness as a result of the foreclosure process. It has come to my attention that some of the people I worked with or attempted to contact at Wells Fargo are no longer with the firm making it difficult to gain traction. 

5 ) Wells Fargo has fabricated documents that were never sent to me during the foreclosure process. This in itself is a violation of investor and federal guidelines. 

6 ) Wells Fargo refuses to settle with me in terms of compensation for such a failed investment and wrongful foreclosure practice. I requested a settlement of {$250000.00}. Given my investment into the property, including loan payments during the course of loan amounted to {$360000.00}. 

I have worked for the last XXXX years on this case with the Wells Fargo Customer care and recovery group ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I have requested direct correspondence with XXXX XXXX and XXXX XXXX. Both are Vice Presidents. However, Wells Fargo has failed to comply with my requests. 

Thank you. 

XXXX XXXX
I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX XXXX XXXX XXXX. This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian XXXX. I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.
On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution. Any proof you need I have up to and including my carbon copy of the check that I wrote them I have been making the same payment for 10 years plus no excuse for this fraud.
XXXX XXXX XXXX Bank account was charged off. Account was paid in full to XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX Bank XXXX XXXX, rep id XXXX, in XXXX at XXXX XXXX on XXXX/XXXX/2016. I asked XXXX why XXXX Bank was still reporting this item as a charge off when it was paid and should either be deleted or listed as closed or paid in full. XXXX referred me to XXXX XXXX and advised that he did not have information regarding the charge off and I would have to contact them. It should be noted that I have proof that the payment was made to XXXX XXXX XXXX XXXX XXXX, and still maintain proper receipt with confirmation number as well as the account number in question listed on the actual receipt, which I have attached to this complaint. 

I am concerned with this as I know for a fact that I rectified this account and XXXX Bank still continues to list this item as a charge off. This is affecting my good credit record and continues to affect my credit rating. 

Any assistance in this matter would be greatly appreciated.
Hello CFPB : My name is XXXX XXXX I am writing for advice on what I can do about a payday loan collection that I paid off. At least 5 yrs ago I had defaulted on an online payday loan from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX. I had paid one of the two acct off {$180.00} before the acct was transferred to a collection company named XXXX. My balance was {$710.00} which I had later paid off by XX/XX/2013. My last interaction with XXXX they tried to double dip for my last payment. Never heard from them again and cant get in touch for proof of paid debt bc no call back. My number is still the same XXXX and my address had been the same for at least 3yrs afterwards. Fast forward and I get a post to my credit report that I owe a collection acct totaling XXXX dollars to Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. They have my phone number, billing address, and job info but have never sent any paperwork or proof that I owe on this acct. Come to find out that this was probably an illegal transaction to begin with from XXXX XXXX. Now they are trying to double charge me.
I was a victim of the inquiry issue with Transunion 's credit bureau. I have contacted Transunion and they refuse to remove inquiries after calling their customer service representative. Transunion 's customer service would not remove the negative inquiries reporting on my credit report that should be deleted from my credit report. 
These inquiries include the following : XXXX via XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX XXXX via XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX
Delete this account below is a copy of my police report proving Im a victim of other Id theft as well from other companies Im Not able to make a policemans report about this cause its been over 6 months XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  all are reporting I have opened accounts with them on cheksystems which is not true my identity has been stolen XXXX XXXX already confirmed I never opened a account with them in 2016 now are saying I opened another account with them I never had a bank account with any of these Institutions I am a victim Of Other fraud credit cards being opened in my name my social Security and drivers license card were stolen these are police reports from Other companies to prove I am a victim Of Id theft the cops wod not allow me to make a police report for the banks cause its been over 6 months I dont live in XXXX XXXX never did yet its under my social Every time I try to open a account with chase they shut it down for no reason
Chase Bank closed my onlinebanking. my debit card and is in process of closing my checking.They have my account restricted to non-withdrawl of funds saying they will mail me a check in ten days.No prior notice. yet they are still allowing funds in but none out. I switched my direct deposits to another bankThey will not give me a reason just that the contract I signed gives them the right to do so.This all started on XX/XX/2018 pst about XXXX.Still can't get them to let me close it, get any funds or check my balances.
In the process of filing a fraud report plan with the FTC I requested a free credit report from XXXX. After filling in the required information, I requested the report. A message was displayed that I had requested this free report on XXXX XXXX, 2016. I did not request this report on that date or on any date in the past. My complaint is that I did not request this information and my credit report was given to someone requesting it using my Social Security number.
THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, XXXX, EXPERIAN ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )
My husband had an account with Sun Trust I cosigned on. We never had XXXX dollars in the account at any point however they have filed something with the court saying I owe them XXXX dollars. First problem never had that much money in the account to withdraw second how did an account he was primary on become solely my account and they put it on my report and have a judgement filed against me.
My savings, money market, and checking accounts were all closed unexpectedly. The reason given was that I did not respond to an email about completing my account setup process. However, on XX/XX/XXXX I did call the bank and mentioned that I had received an email asking me to call in. I was told that everything regarding my account looked good, and that I did not have to do anything else. 

I also established online automated transfers, which later required me to submit my signature through the mail which I did. 

On XX/XX/XXXX my accounts were closed with no email confirmation, phone, or voicemail logs stating that this was going to occur on that day. The reason given after I called in was that I did not respond to the email that was sent. They said that I called the wrong number and spoke with the wrong department, however I called using the normal BMO Harris bank phone number. I was not told I needed to call back to get transferred to another department or anything else of that nature.
They are reporting that i missed a payment on my student loan and i have never been late, and also reporting that it is a collection/ closed account and that is not correct. It also is negatively affecting my credit.
I have sen t 2 certified letters to each reporting credit bureau agency  XXXX , Transunion, and  XXXX  on 2 s eparate occasions to dispute an inaccurate  Public Record  being reported on my credit report. I have been totally unsuccessful in having this inaccurate  Public Record i nformation removed from my reports. Every written/certified request to have the item removed comes back with the explanation the item has been verified and/or verified as accurate. If this is the case, why not supply me with the proof as requested in my letters? Because they can not. I feel my RIGHTS as a consumer have been Violated. This inaccurate  Public Record is makin g it difficult for me to obtain the proper credit, decent interest rates, approval for housing, etc ... As a consumer, I have the right to have my credit report accurate information without error. I am asking for your assistance to have  this Public Record r emoved from all  XXXX  of the credit bureau reporting agencies.
I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX. XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.