WillisBack/dataset-financial-user-claim huggingface dataset:
I have a false Derogatory mark on my credit file from Portfolio Recovery on XX/XX/2015 saying I owe XXXX from XXXX XXXX. I did business with XXXX  years back and paid them the FULL AMOUNT owed. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I know I paid XXXX In full so if any other payments were made it was fraud and not authorized by me. I would like this off my credit as soon as possible due to the fact they have inaccurate information.
A Credit Card account with Commerce Bank in my name appeared on my Credit report as having been opened onXX/XX/XXXX, after I had applied for and I assume was approved for by them. The problem is it is now XX/XX/XXXXand I have not received the card. I am worried it may be lost in the mail and I do not want it to be used fraudulently. I have attempted to contact someone at Commerce who can confirm the fact that the card was actually mailed and that it may be lost. I have emailed them 5 times, but they refuse to acknowledge or answer my emails. I can not understand this lack of concern on their part and do not want my identity compromised.
I do not believe that my XXXX Credit Card ending in XXXX has ever been late. I question the accuracy of the " late payment '' that has been reported to all three bureaus. Per XXXX XXXX, the late payment posted on XX/XX/XXXX, dropping my score 38 points from XXXX to XXXX, only to disappear the very next day on XX/XX/XXXX, in which my score per XXXX XXXX rose from XXXX back up to XXXX. On XX/XX/XXXX, the late payment reappeared, dropping my score from XXXX to XXXX. Since then, I have attempted to apply for credit and have been negatively affected by this supposed " late payment '' that has appeared, disappeared, and then reappeared. Something is definitely wrong with this account as it has been reported, it has had a negative effect on my ability to get credit from reputable financial institutions, and I request that the account history from all three bureaus be updated to reflect " paid as agreed '' on this account. Please see all my other accounts as a reference to my positive credit behavior, and please help me resolve this potentially invalid information so that my payment history can be accurately and positively reflected.
Bank of America XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX I opened a secured credit card BankAmericard account in XX/XX/XXXX by XXXX XXXX. I took the cash out of my savings account as a cashier 's check to secure the credit card. I received the BankAmericard in the mail and activated it. Bank of America immediately applied the {$39.00} annual fee. XXXX XXXX followed up with a phone in XX/XX/XXXX inform me to request a credit increase. I followed his advice and did so over the phone. In the mail dated XX/XX/XXXX, I received a rejection letter stating I could not get an increase. On XX/XX/XXXX, I wanted to use the card for an in-store transaction. The transaction was declined and discovered the credit card was closed without any notification. Now, I have an open and closed credit card account on my credit report. I am seeking {$5000.00} in irrevocable damage to my credit report and return/refund the {$1300.00} placed on the card. Fire and terminate XXXX XXXX for opening an erroneous account and not following procedures.
10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with XXXX XXXX. I purchased a text book for about {$150.00}. XXXX XXXX ended up buying out XXXX XXXX and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through XXXX XXXX. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.
As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that  XXXX  has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and  XXXX  has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.
It show XXXX collection on my report twice. balance on each account is XXXX. Reported on XX/XX/2013 is the same on each collection the only thing is different is pinnacle gave XXXX different account numbers to equifax but the amount due and date reported is the same. The duplicate just showed up about a little over a month but equifax will not look at it as a duplicate because the collection cimoany gave it a new account number. The original debt was to XXXX for XXXX All equifax did was revering that I owed XXXX which I did not dispute. I disputed that is was on my credit report twice just under XXXX different. Account numbers under XXXX for the exact same amount, exact reporting date just different account numbers. The last one was just added over a month ago
I paid off my mortgage and I asked for the orginal note back, then I had My lawyer XXXX XXXX ask for it ... .they will not return it to me. In Washington there is case law that says I 'm liablble if I do n't get it back and I 'm very worried about that happing. If I pay the note off I need it back ..the orginal and NOT a copy ... they could be selling it again in a pool on XXXX for all I know ... can you help? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Property Address I paid off is XXXX XXXX XXXX Mo XXXX
When GMAC Mortgage went bankrupt our loan was assigned to Ocwen Loan Servicing LLC . Ocwen serviced the loan from XXXX XXXX, XXXX through XXXX XXXX when the loan was assigned to XXXX XXXX XXXX. 

Ocwen Loan Servicing is reporting account number XXXX as a conventional real estate loan with a payment history from XXXX XXXX through XXXX XXXX. Ocwen was not then lender at any point in time. They were the loan servicer for a only 6 months. 
The Office of Personnel Management ( OPM ) had a cyber attack ; I received " cyber security '' that allows me to review information on the credit reporting agencies. 

My wife and I went through Chapter XXXX bankruptcy ; the discharge was in XXXX of XXXX. 

Ocwen is reporting late payments on discharged debt post bankruptcy from XXXX XXXX through XXXX XXXX to XXXX and XXXX. 

Ocwen is reporting late payments prior to when they were the loan servicer to XXXX. Negative payments are reported from XXXX XXXX through XXXX XXXX. GMAC Mortgage was the loan servicer during that time and the loan information already appears on our credit reports.
XXXX and XXXX both falsely assured us that they were not going to check our credit records. The said that a soft inquiery would not show up on our credit report.
Midland did not respond to my dispute in a timely manner and they have failed to provide evidence that the account is mine. The policy per their website " Per our policy, we stop credit reporting on accounts that are more than two years past the date of delinquency ''. 

My account is over 2 yrs old and they are still reporting it.
I HAVE A ACCOUNT WITH BANK OF AMERICA, AND THIS PAST YEAR, I HAVE HAD A XXXX STAYING WHILE GOING TO SCHOOL, HE HAD EITHER WROTE MY CARD NUMBERS DOWN OR TAKEN MY CARD AND REPLACED IT IN MY WALLET. AS SOON AS I GOT A NSF FEE STATEMENT, I WENT AND LOOKED AND WHAT A SURPRISE, XXXX WORTH OF TRANSACTIONS, HE DID THE SAME WITH MY XXXX CREDIT CARD, HOWEVER I HAD DRIVEN HIM TO THE AIRPORT THAT DAY, I FOUND OUT. I CONTACTED BANK OF AMERICA DIRECTLY AND AS THE SMALL PRINT SAYS, I AM COVERED FOR THAT LOSS, THEY GAVE ME A EXCUSE THAT HE DID NOT GO SPEND HAPPY WITH MY ACCOUNT AND I SHOULD LOOK AT MY ACCOUNT DAILY .I AM TOTALLY THROUGH WITH BANK OF AMERICA, NOT ONLY DID I GET TAKEN BY HIM, MY OWN BANK HAS TAKEN ME AS WELL AS THEY DO NOT WANT TO EVEN REFUND THE OVERDRAFT THAT WAS CAUSED BY THE INCIDENT
Capital One is limiting the amount of banking data they share with third-party applications. As this is my personal data, they should not be allowed to dictate the terms of that data sharing. I should be able to use applications and tools that enable me to live a healthy financial life -- and this shouldnt be limited to the services provided by Capital One. As such, I am submitting a complaint against Capital One because no consumer should be locked out of their own data.
I have been fighting with XXXXNavient since my daughter graduated. As my daughter could not afford to pay her loans, and I as a co-signer stepped in to help found that she had XXXX separate loans. Upon trying to consolidate, we were told no. The interest rates of each loan at Navient range from XXXX to XXXX, when they were originally at 3 % from XXXX. We battled with mis-communications, having to call back in instead of them calling us to fix multiple issues. We had to go through excruciating processes to get lower payments as forbearance was no longer available. My daughter XXXX, was out of work and raising a daughter so I had to take over the payments, and I am a mother of XXXX. I do n't ask that they wipe our slate clean, but it became such a hassle to deal with them, my daughter will no longer even acknowledge her debt and wo n't pay for the remaining loan I am not on as a co-signer - not even sure how that happened. They will also no longer give me reduced payments. I have documentation for every call I have had with them since 2013 and would be more than happy to share it if it allows future students to avoid the nightmare that we have incurred. 
XXXX
XX/XX/XXXX I seriously concerned and disappointed in how Barclays charge interest, apply late fees, and apply other hidden costs to keep the balances high on my credit card accounts ending XXXX and XXXX even after I make substantial payments. 

I noticed that if I make a payment on the due date after XXXX ( CST ) which is XXXX ( EST ) you apply late fees ; this is fraud. 

In addition, the amount Barclays charge toward interest and the ending statement balances do not correspond ; this too is fraud.

Finally, I can not determine how Barclays is calculating the interest payment in order to obtain the amount of true interest owed - when I try to add or calculate the interest listed it does not match Barclays amount ; this is also fraud. 

This has been occurring since XXXX on the account ending in XXXX and since XXXX on the account ending in XXXX Regards, XXXX XXXX XXXX
Awa collection is stated that i own them XXXX from XXXX XXXX XXXX. This is impossible because I was in prison from XXXX XXXX XXXX to XXXX XXXX XXXX. So I would like to file a complaint of identity theft.
I Leased a new vehicle from XXXX XXXX ( a subsidiary of XXXX XXXX ). I was under the impression that my lease was on auto-pay ( the first month was paid with delivery of the vehicle ). I was NEVER informed by writing or phone call until 2 months after my payment was due. My credit was severely impacted by this negligence. I called XXXX XXXX however they refused to take the marker off my record and mentioned that I have to speak with the dealership. The dealership said they can not do anything and I have to speak with XXXX XXXX.
They repeatedly call several times a day using false phone numbers from around the country and leaving an automated message not actual person calling me even after I 've contacted them letting them know when I can pay. And they deny that it is them calling me. This happens about XXXX times a day. It has caused a great deal of stress for me affecting my job as well as personal life.
I tried to refi my fha mortgage through nationstar three times. Each time they refuse to streamline my refi because my city loaned me {$50000.00} ( no interest deferred 10yrs ) under the redevelopment program. The city is now a lienholder and gives permission to subordinate every time I try to refi.
My current mortgage is held by XXXX XXXX The attached document 's show that this loan has been transferred multiple times with the wrong property and legal description. 

This makes my mortgage lien invalid.
on XX/XX/XXXX I entered into a loan contract for the amount of XXXX at the local cash store branch when I got to the bank to deposit the teller and myself noticed that XXXX $ dollars was missing out of the envelope with the loan papers. so i went back to complain and the office employee became very nasty indeed.so I called the corporate office and on XX/XX/XXXX they sent me a letter stating that I would be reimbursed for the missing money.as of todays date XXXX XX/XX/XXXX no one from the cash store has gave me one penny for the missing money .I am having to pay interest and fees on money I never received from this loan. that is not fair. every month when I go to make payment all the employees are all new in the office due to a high turnover rate and have no clue what I am talking about.
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor. 
I never received correspondence to dispute the validity of this debt. PLEASE HELP REMOVE.
A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. 

My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX
The XXXX showed an overpayment judgement against me on my credit report. The total overpayment amount was paid in full and XXXX confirmed that I my credit report would be updated as such and that I would receive a letter confirming my payment in case I had any issue removing this mark with the credit bureaus. It has been almost half a year since this time and my credit report has not been updated and I have not received a letter from the XXXX despite making several requests for it. Any help that your department is able to provide me to correct this situation would be greatly appreciated.
To whom it may concern, On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX ( who took over the XXXX XXXX   XXXX XXXX I originally had my loan with ). As per the service specialist rep I spoke with, I made two separate payments XXXX & XXXX, respectively. On XX/XX/XXXX, I received a check from XXXX foe over payment of XXXX, which I promptly deposited into my bank. When XXXX XXXX took over from XXXX I started receiving bills again claiming I still owe money. I tried to contact them but they did not really look into it they just called to let me know I owe the money even after I explained. I tried to contact XXXX and/or XXXX but they are no longer in business. 
I am attaching a photo of the slip that was attached to the check and the cancelled check from the bank.
XXXX  ( XXXX XXXX XXXX ) has listed an item as in collection for a service they say I received on XX/XX/XXXX and XX/XX/XXXX and I know nothing about this. I contacted XXXX and they said they could not provide me any detail as to what this was for. They told me to contact XXXX. XXXX would not give me any contact information for XXXX. I called one number I found on the internet for XXXX and they said they had no record of me. I called a different number I found for them and they said I needed to get the detail from XXXX. I told them XXXX couldn't/would n't provide me with any detail and to call XXXX XXXX at XXXX XXXX XXXX . I called XXXX XXXX and they say they don't have any invoices for me. I have disputed this with the 3 credit agencies, XXXX XXXX, XXXX  and XXXX. This reporting on my credit report by XXXX has negatively affected my credit score and my ability to get credit extended to me. I believe this may be a scam as XXXX - nor anyone they refer me to can provide me any detailed information regarding this charge.
I wrote all three credit reporting agencies about incorrect information on my credit report and Equifax and XXXX refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment
There is a XXXX XXXX collection that just appeared on my credit file that does not belong to me. A year or so a ago another collection company reported a XXXX XXXX collection which I fought and now here we go again. How do I stop this from happening?
I 've had a home equity loan w ith BB & T for abou t 13 years and a few month ago I converted the home equity line to a regular term loan. About 60 days after this transaction I checked my credit report and found th at BB & T was rep orting the home equity line as closed but the outstanding amount was still showing in my revolving credit as debt. In this same credit report the term loan was also showing up with an the appropriate outstanding balance. I contacted the the credit bureau and filed a dispu te. BB & T res ponded and said that because the revolving loan and the term loan had the same account number that it was reporting correctly.   My concern is that my debt ratios are being impacted twice by the same loan. I explain ed to BB & T t hat the reporting of the revolving loan being closed is correct, but they need to  XXXX  out the outstanding balance. Given that this is the same balance that is reflected in the term loan the credit bureau is counting the same dollars twice. Please note this account is current and has never been late.
XXXX is threatening me to file a lawsuit to collect a debt that was not mine and has been taken off of my credit report. The only Fifth Third Bank account I had was one that shows up on my credit report as closed and paid off and this other debt was after I closed this account.
For two months ( starting XX/XX/XXXX ) I have had a company titled XXXX XXXX XXXX call 2 to 5 times a day. Once I finally spoke with a representative, he informed me that I would be sued for a Citibank credit card collection from 7+ years ago. He would not provide me with any account information, aggressively claimed I was rude for asking about account details, and would not provide the lawyer 's name. The phone number for this company is ( XXXX ) XXXX, but I can not find any business information on them. 

Now today ( XXXX XXXX, XXXX ), I was contacted by XXXX XXXX, XXXX XXXX identified it as a mediation to determine my address for service of court documents. When I inquired on the account information, he provided that I owed {$660.00} to XXXX XXXX, but XXXX XXXX is suing for {$3800.00}. He also claimed that this was 378 % of the amount owed ; which the math does n't work out {$660.00} x XXXX = {$2500.00} ... so legal fees are {$1300.00}? He was willing to provide a mailing address : XXXX XXXX XXXX, XXXX, NJ XXXX and the phone is ( XXXX ) XXXX. 

This Citibank account has been off my credit for years, but I am concerned that this is a scam. I have not received any written communication regarding this Citibank account. While both phone numbers are in California, I can not locate any business information on either. Nor can I locate XXXX XXXX. When I inquired about that company, I was told by XXXX XXXX that I had to do the foot work on it.
I was contacted by phone, with a threat of criminal prosecution if I did not pay the amount in question, on a loan I know nothing about, did not apply for or receive, and have never received any bills for - and they would not provide me with any of the details about the alleged loan - hanging up on me several times over the past XXXX days. 
They are threatening me with criminal prosecution - something that could destroy my career, clearly trying to frighten me into paying the {$630.00} in question - an amount I could have paid at any time, and which I have considered paying to make this go away - even though, as I have said repeatedly, I did not take out this loan, and if XXXX was taken out, it was done fraudulently.
To Whom This May Concern, I am a resident of California and a XXXX American Veteran. I am requesting your urgent assistance with a problem I am experiencing with the U.S Department of Housing and Urban Development ( HUD ). I currently have an FHA loan on my home. Due to personal hardship following a job loss, I requested a payment modification with my mortgage company ( Nationstar ). I was granted the modification. I soon decided the only long term option I had was to sell my home. I put my house on the market and soon entered into Escrow with a buyer. During the title search I learned that there was a {$25000.00} lien or second mortgage put on my home by HUD which was part of the payment modification that I knew nothing about. Nationstar doesnt have a record of any of this either. Now I am waiting on the state ( HUD ) to provide some type of information so that I may proceed with the sale of my home. HUD has provided zero proof or information regarding this lien and am just getting the runaround when contacting them. I have been waiting for 2 months now, and time is not on my side. This is going to cost me my home if the state does n't provide something so I can sell the house with a clean title, payoff my mortgage company and attempt to rebuild my life. I 'm not asking for a handout or for any waiving of money that I actually owe, I 'm asking for your help in getting this cleared up or at least some explanation from HUD. Thank you for your time and assistance in this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
I have received numerous calls from XXXX among several other numbers but this is the most recent. Several months ago i was receiving these calls also but I impolitely told them DO NOT CONTACT my family as they have recently done also. They did not call back until today. They contaced my mother and stated it was urgent I contact them that they are just trying to help me. I decided to call them back. They claim to be XXXX out of XXXX, GA. They went through this whole spill and sounded legitimate so without thinking this through obviously I gave them my card number to pay the debt because I in fact owe this. After I did this, I then recall my previous conversations with them several mos back and they were rude and making sound as if I were going tpo jail. STUPID me, so I then called and cancelled the card that I had released the info on. These people are harrasing and I would like to know what I can do and whom I can contact to report this and I would like to take action against them if this is not a legit company for harrassment. Any advise you have will help ....
Midland Funding has been reporting misleading, inaccurate, and fraudulent information to my credit reports. I have not received any information from this company pertaining to a debt. This company is keeping my family from obtaining a hoe by placing " Dispute '' remarks on my credit profile, in which I have no open disputes with this company. I have no communication with this company and they yet report inaccurate information.