WillisBack/dataset-financial-user-claim huggingface dataset:
I was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections Capital XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt Experian XXXX XXXX CO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO
Wells Fargo charged me fees in 2012 for bank statements I needed for USCIS. I was trying to get duplicate bank statements online which is free but their online system was n't working. I called the bank and they said I would not be charged for the statements if they mailed them instead, They also said if I was charged they would refund the amount. Weeks later I was charged for the statements, They refused to refund the charges. They also refused to review the telephone call where I was told the charges would be refunded,
About 20 or 25 yrs ago XXXX said that i owe them some money but I never took out any loan or anything from XXXX, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called ARA Collection they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing
I was admitted to the Hospital on XXXX/XXXX/XXXX. I received a collection letter in XXXX XXXX for {$400.00} for XXXX from collection agency " CMRE Financial Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ''. I contacted the agency and told them the hospital had never heard of or had any relationship with this radiology company furthermore all services ( my co-pay ) were paid for before discharge and XXXX XXXX paid the balance in full. I have repeatedly ask for a bill over several months and never received XXXX. This is obviously a fraud and both the collection agency and XXXX are involved. CMRE has placed a collection on my credit and has caused my credit score to drop over XXXX points. We are in the process of obtaining a mortgage and is causing unnecessary cost as far as fees, mortgage rates and explanations. I have without a doubt shown CMRE that no such medical bill exist, but I am sure they already knew that. I need this corrected immediately to prevent extra thousands of dollars in my new mortgage.
I previously filed complaints with the Better Business Bureau that the company failed to respond to this year. 

I previously filed a complaint with the Consumer Financial Protection Bureau in XX/XX/XXXX of this year in which the company alleges that they validated the debt via mail without providing any proof. More than likely if they sent any vailidation as they alledge it was sent to an incorrect address. 

The company has since changed the date of last activity and date reported to this listing as XX/XX/XXXX which is a violation of the FCRA. Per their own statement in my last complaint they first reported this in XX/XX/XXXX but this is not what is currently reflected on their listing on my XXXX Credit Report. 

I am XXXX and I feel this company is trying to take advantage.
Well basically, I have 6 hard inquiries on XXXX  which 2 of them I know about but then the 4 that I don't know showed up on my credit report. I didn't try to open any new credit cards that they mentioned so that there is false  -INQUIRIES DETAILS- the 4 false credit card is XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ^ XXXX XXXX   XXXX XXXX XXXX Again inquiry from XX/XX/XXXX XXXX XXXX XXXX, Usa inquiry from XX/XX/XXXX XXXX XXXX   inquiry from XX/XX/XXXX Plus I have 1 Derogatory mark Collections- which I never opened an account with them its called XXXX XXXX XXXX for the amount of $ XXXX original Creditor : XXXX which was open on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - And on TransUnion, I have 4 hard inquiries which are -XX/XX/Amazon- inquiry from XX/XX/XXXX -XXXX   XXXX- XX/XX/amazon XXXX, FL XXXX ( XXXX ) XXXX -XXXX- XX/XX/PublicAccommodations inquiry from XX/XX/XXXX XXXX XXXX- XXXX   XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX -Institution Information- XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX   XXXX inquiry from XX/XX/XXXX -Institution Information- XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
HELLO, ON MONDAY XXXX XXXX 2017 I SENT A DISPUTE TO EQUIFAX. 
ON XXXX XXXX 2017 EQUIFAX RECIEVED THE LETTERS VIA CERTIFIED MAIL. 
TODAY IS XXXX XXXX 2017 AND YET THEY HAVE NOT RESPONDED TO MY DISPUTE OR HAVE INVESTIGATED. I HAVE CALLED THEM PERSONALLY AND HAVE BEEN ON HOLD OVER 1 HOUR AND THE CUSTOMER SERVICE AGENT STILL HAS YET TO ''SPEAK TO ME ''. SHE ANSWERED AND PUT ME ON HOLD AGAIN FOR 45 MINUTES AFTER AND NEVER PICKED UP THE PHONE. I WAS PLACE ON HOLD FOR OVER 2 HOURS AND THEY NEVER CAME BACK ON THE LINE TO HELP ME RESOLVE THE MANNER. THEY ARE NOT HELPING ME. THEY HAVE VIOLATED THE FEDERAL LAW AND HAVE SHOWN ME BAD FAITH AND ABANDONED ME.
Merchants credit guide appeared on my credit asked what this was for all information was a hospital bill. went to hospital got a copy of bill paid hospital directly and merchants placed on my credit anyways even though I didn't owe them, and proceeded to claim a amount higher then what was actually owed.
My organization was preliminarily approved as qualifying for the XXXX XXXX XXXX XXXX program. Later, FedLoan Servicing rescinded the prior approval, saying that my organization did not actually qualify.
Franklin Collections agency continues to report an account from XXXX XXXX partners. I have disputed the account several times. I contacted XXXX XXXX partners, they said the date of several was XXXX 2008, which is far outside of the 7 year allowable reporting period. In addition, I had insurance at the time of service, so the account should have been paid, which was confirmed by XXXX XXXX XXXX.
I am submitting this complaint due to the nature in which National Credit Systems has attempted to collect on a disputed debt. This companies representatives have acted in an unprofessional manner in the tactics they have attempted to extort money from consumers. Upon getting a phone call from this company in regards to a debt they allege was owed, I requested documentation to determine validity of the allegations. I than received a packet of paperwork which appears to have electronic or non handwritten signatures. Upon review of these documents there is now an even further confusion as to why this company is attempting to extort this money. After reviewing these electronically created and signed documents I received another call from this companies representatives who verified I had gotten and had a chance to look over these documents. After I advised her that I had some serious concerns for what I received and did not agree with the balance or what they were alleging. At this point the representative appears to take this information as an opportunity to disrespect me and act completely unprofessionally by stating, " Well than we will just put it on your credit! '' and proceeds to hang up without me being given an opportunity to say anything additional. As someone who has XXXX I understand the pressure and desire to want to do well at XXXX. However, having XXXX in the past it seems counterproductive to just threaten to place something on someone 's credit and than hang up without any actual dialogue or discussion. Obviously this representative needs further coaching and development on how to handle the collection process also how to successfully conversate in a professional manner when conducting business for a company. Not allowing her personal feelings or opinions to get involved and taint the conversation. Im disgusted that the level of unprofessionalism and rude behavior is allowed and obviously condoned by National Credit Systems. This company should be investigated and audited for its unacceptable and atrocious treatment of consumers. Sincertainly the original rep hung up in my face is than called back and requested a manager at which time the receptionist refused to transfer. I advised that since this was the manner in which they conducted themselves in business that they cease and desist from any phone communication with me until I had an opportunity to file a complaint based on there actions. No company per the FDCPA can act in a threatening or unprofessional manner for the purpose of trying to collect a debt and unfortunately this company feels it does not need to abide by those same laws. Please investigate them for the manner in which they have attempted to conduct business.
creditor filed and issued a judgement/garnishment of wages on an account from XXXX it was charged off. judgement was issued XXXX. a copy is attached. 
this is a time-barred account that has exceeded the statue of limitations. which is 4years in the state of California. I was not notified of the case. they also have my wrong address. my physical address is XXXX XXXX XXXX XXXX XXXX ca XXXX for the last 5-6 years. but I have worked at the same place for 20years. the garnishment was issued to my company. that 's how I found out about it. I received no phone calls in many years about this account. Capital one. Capital one 's attorney is stated to be XXXX case # XXXX
I just received an unsolicited debit card from netSpend encouraging me to sign up to have my paycheck deposited with them. The card is real and way to easy to activate. Seems very deceptive and comes with lots of fees.
I have requested that XXXX XXXX  provide debt validation for the account with original debt from Florida XXXX XXXX for {$500.00} in my name. I informed XXXX XXXX that I never signed a HIPAA form to authorize XXXX XXXX to have access to the my private health information. I have not received the original contract showing my signature on any agreement pertaining to this account. I advised the company this is not my debt and that it should be immediately removed from my credit report. I have never received any documents that were requested from this company. It has been longer than 30 days with out response.
I was a victim of a fraud scam that occurred on XX/XX/2018. 
The scam involved me sending an unknown recipient money via the XXXX app associated with my Pnc checking account. A total of {$830.00} was lost to the scammer. 
At the time, I had a balance of {$0.00} in my PNC account because I had moved to a new location that didnt have any PNC banks and therefore transferred all of my money to a different bank. 
The scammer sent me a bad check for {$1300.00}. I cashed it at PNC. The {$1300.00} showed up in my account. I then sent {$830.00} of that money to the same person. Then the check came back as bad and I was left with a negative - {$830.00} balance in my PNC bank account. 

I reported the incident to my bank, PNC. I also filed a police report. 
PNC sent me a letter in the mail saying that my situation was not considered valid as fraud and they would not be paying the - {$830.00} balance in my account. They also charged me tons of late fees on the negative balance and then, after two weeks, closed the account. Blacklisting me from opening up any new bank accounts with anyone else in the future. 
During a phone conversation with a pncs Escalation manager, I asked why my situation was not considered a valid fraud and was told theres no way we can prove that you didnt just send the money to a friend. This is a lesson you need to learn. Its only {$830.00}, you can make payments on it. We cant make an exception for you because if we did, the feds would come after us. We cant make an exception for you because if we did, youd go and tell all your friends about it, theyd try to get away with the same thing and we would go bankrupt. 

The man I spoke to said I dont think anyone at PNC would believe you were trying to scam us out of money. But theres no protection for this. Its a very common scam that happens to hundreds of people a day. 

My complaint with PNC and XXXX, Which is the app that was used to send the money, is that there were no protections in place for this very common type of fraud. Why was a {$1300.00} check cleared that later determined to be bad? 
Why was a transaction of {$830.00} allowed to go out from an account that had no money in it and why wasnt I alerted? If this scam is as common as I was told it is, why arent there protections in place by both the bank and XXXX? 
People put their money in banks to keep it safe. Why was the such negligance by the bank here in my account?
This debt should have been included in my bankruptcy. It should be removed from my credit report. See page 15 of the attached report.
I applied for and was approved for XXXX credit cards with usaa on the same day, XXXX Visa and XXXX XXXX. Usaa opened a second Visa account without my approval the very next day. I did not apply for this card and usaa has no record of the application. When I brought it to their attention they seemed to push me into just keeping the account which seemed odd. After I made it clear I did n't want the card they pushed closing the card. I was explicitly clear that I did not want the account closed because it would hurt my credit report. I wanted them to get rid of the card without it hurting me. Fast forward and they flagged the account for fraud and close it without my consent. Their was no fraud, they know it was n't fraud, and I believe they either made a mistake in opening the account or they purposely opened a new account without my consent. Me, I 've been saying all along that this feels very XXXX XXXX. Now I 'm locked out online for at least 48 hours. At least. With usaa that is a big deal because there are no physical branches. I need a resolution to this because I 'm the XXXX hurting for there actions.
I had a mortgage with Springleaf Financial starting in XXXX. I did a loan modification in XXXX XXXX in XXXX XXXX they did an escrow anaslysis and their party company that does the taxes and insurance reported we owed more taxes. So Springleaf increased my payment ( I was unaware ). I kept on making my regular monthly payments but because of the inaccurate report from a company they hired the payment was not distributed correctly which made me 2 months behind. I XXXX XXXX they realized the error but they did not go back and recalculate the payments to bring me current. Instead my mortgage was sold to a company that has a BBB of an F and reported as two months behind.
Ally bank and XXXX XXXX overcharged me on my interest rate because of me being XXXX and having a decent credit score and made me to believe that was the only interest rate that was available to me.
On XXXX XXXX, 2018, Navy Federal Credit Union wrongly approved a XXXX XXXX  transaction transfer from my account to an unknown source. Someone called in pretending to be me and the agent within Navy Federal Credit Union released the funds even though there were multiple red flags that it was not me calling in. The person calling change both phone numbers on the account. They then requested to increase the cash withdraw amount from my account from {$3000.00} to {$4500.00} even though I did n't have that much money even in the account. I was informed by a representative within Navy Federal that that was not even something they were allowed to do. They then approved releasing all the funds from my account except approximately {$150.00} even though I had six pending transactions. The agent within Navy Federal would have been able to see that releasing those funds would cause my account to be overdrawn and they still approved the transfer.

As soon as I caught the error in my account, I contacted Navy Federal and the first representative informed me I could n't do anything until the transaction cleared my account. After speaking with other people, I went down to a Navy Federal branch and spoke to the 
assistant manager and he was able to submit a fraud complaint and try to stop the transaction. If the first agent would have attempted to stop the transaction as the assistant manager did, it 's possible we could have kept the money from being picked up at XXXX XXXX. The assistant manager also informed me that just the month before a similar fraudulent activity with a XXXX XXXX transaction occurred with another Navy Federal member. The next day I submitted the requested fraud complaint forms and was informed by the fraud department that because of the type of fraud it was, they would not be able to release any credits to my new account as I had already requested to close the compromised account. This leaves me with no funds until they complete their investigation. They informed me the investigation could take up to ten business days. 

I feel that under these circumstances and because of the erroneous missteps taken by the agent within Navy Federal, they should have released even a small portion of my funds back to me. I feel this is a misrepresentation of their fraud protection they offer on their bank accounts and that rather than having my best interests in mind, they are only protecting themselves and their agent 's mistakes leaving my family with no money while they investigate these actions.
I 've sent {$880.00} through Paypal for an item I bought online, and I did n't receive it. Filed a case for item ( not received ) with Paypal and submitted the shipping company link and tracking number, which shows that the item was shipped on XXXX and still in transition, last update was XXXX XXXX. but Paypal closed the case claiming that the item was shipped, I appealed the decision and again Paypal reject the appeal and closed the case permanently, at this time I have no right of complaint or ask where about my item from anyone. Shipping company site : link XXXX Tracking # XXXX The seller and the shipping company are saying that the Item is not delivered, only Paypal claiming that I received the item, and left me with no tools to fight for my funds, please help Paypal appeal case # XXXX Item paid on XXXX and case opened on XXXX XXXX My name : XXXX XXXX, E-mail address and Paypal ID : XXXXXXXXXXXX
I have received multiple calls to my cell phone from the same number from a company called " Sunbelt Credit '' ( or "  Security Finance '' ac cording to my caller I D ). I  did n't answer the phone but they have left two voicemails so far, in which they asked me have my friend call them back. I am being harassed by a debt collector over a debt that is n't mine.     First call occurred on    XXXX  -2017  at  XXXX   XXXX  EST.   Second call occurred on   XXXX -2017 at   XXXX   XXXX  EST.
I purchased furniture from XXXX using Acceptance Rentals as the leasing company. The furniture totaled approximately {$2400.00}, but without my knowledge or consent, a new lease account was added to my Equifax credit report by Acceptance Rentals showing a balance of {$5700.00} -- more than double the amount of the purchase price. I have paid approximately {$2000.00}, maybe more, for the furniture and realizing that I will pay more than double what the furniture is worth does n't seem fair, right, or legal.
I noticed on a credit report i requested from TransUnion dated XXXX XXXX XXXX that there were several names and variations of names and names which obviously belong to somebody else all attributed to me. There were also several addresses where i have never lived listed as my addresses. There were also several phone numbers which do not or have never belonged to me. I contacted TransUnion on XXXX XXXX XXXX requesting that they correct the incorrect information. On their response dated XXXX XXXX XXXX, i notice that they have not corrected the incorrect names and infact they have added a new name which obviously belongs to someone else. I also had requested that TransUnion remove several accounts from XXXX XXXX XXXX listed as can be considered negative since by The Fair Credit Reporting Act ( FCRA ), accounts that have been settled should be removed seven years from the initial missed payment that led to the delinquency. This is the case but the accounts continue to remain open as " considered negative ''.
Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.
I have been working with a company that is reporting incorrect information to your credit bureau under my social security number. Upon reviewing a copy of my credit report XXXX is saying that I owe {$380.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
I had an account that was closed over 7 years ago and its still being reported on the credit agencies. 
Please have them remove it thank you
I have student loan with Great Lakes. I have a monthly autopay that has been set up to pay the loan. I 'm currently in school and have loans disbursed, twice when a loan has been disbursed Great Lakes turns off my autopay without my direct authority to do so. This causes an increase in my interest payments over the life of the loan. Great Lakes should not have the authority to shut my autopay off, this only benefits them financially, not the student.