WillisBack/dataset-financial-user-claim huggingface dataset:
Recently there was a {$3000.00} medical debt added to my Equifax Report. I have no idea what this is and I believe it is a result of identity theft. I have been having these issue for some years now. I dont not owe XXXX Hospital/XXXX XXXX {$3000.00} collection as I dont not or have not attended there. I have disputed this with them as well and it's being investigated. They have no record of my authorization, medical records, cards etc just a name no Identification etc. XXXX  has already investigated and determined that it did not in fact belong to me and has had it removed from my report. This has affected.my Equifax Report substantially in a negative way. Please have this item removed from my report as soon as possible as it has hindered me from being able to obtain credit for a new car purchase. I have Reached out to Equifax several times with no regard.
GE Capital Retail Bank/Care Credit made payments to XXXX XXXX XXXX XXXX, XXXX that I did not authorize. In the amount of {$6000.00}. Might be a little more. 

XXXX XXXX 's Office would submit invoices to Care Credit without my knowledge and without any evidence that I had set foot in his office after XXXX 2012. The office would periodically make request for an increase in credit line. See attached.
Military Credit Services sued me in a XXXX XXXX XXXX Court XXXX 2012 they sued me illegally in the state because I never lived there or have I ever incurred a debt in the state of Virginia I also received settlement pay from being sued illegally by this company.
They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.
I have received threatening letters from Financial Management & Associates stating that I owe a {$50.00} debt to XXXX XXXX XXXX.
My account has been debited by the bank itself ( TD BANK ) for {$140.00} saying it 's a photo adjusted amount.When I call customer care as I 'm in XXXX right now calling them overseas the customer care represtative gives me wrong information saying I deposited the same check twice and that 's why the amount was debited.His information was completely XXXX XXXX just like the banks customer service. I have deposited two different checks on two different days and I have a picture to prove it from the banks app itself. Check number XXXX was submitted on XX/XX/XXXX. Check number XXXX was submitted on XX/XX/XXXX. I need this amount of {$140.00} back into my account as I have copies clearly mentioning two different checks deposited on two different days. I have sent TD bank emails for a reply too as they convince us customers they would reply in 24 hours but their customer service is so pathetic, it makes me wonder why do such people open banks like this if they ca n't help customers when they are overseas!
An inaccurate and understated appraisal was completed XX/XX/XXXX. I paid {$350.00} for this appraisal through Seterus Inc.. The appraisal came in at XXXX sq. ft. The actual sq. ft of my home is XXXX approx. I paid for this appraisal so that the bank would remove the Private Mortgage Insurance if the Loan to Value was XXXX % or below. Since the appraisal was understated I had a loan to value of XXXX %. I have sent proof with several letters to Seterus Inc. since XX/XX/XXXX that reflects my actual sq. footage but they do n't seem to care or want to help me. PMI runs me almost {$200.00} per month of which I have been paying since 2005. I am elderly and need your help.
by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.
My car loan with Regional Acceptance has language in the agreement that states we have two weeks past due date before it is considered late and beyond that there is a charge that can be negotiated with a payment arrangement, I continually make payment arrangements but I recieve XXXX-XXXX calls a day once the due date has past. I have requested they stop and they continue, please help. I always pay my bill including any late fees, I 've never missed a payment. My only issue is sometimes I 'm late.
Incorrect address on a credit report ( most likely due to divorce : the address is that of my ex husband and his XXXX wife )
I have been using XXXX XXXX for years to monitor my credit score and activity. I noticed on XXXX XXXX there was something that should not have been on the my report. XX/XX/XXXX, is when I started my own investigation and notified all three credit bureaus that my computer had been hacked. And I absolutely did not apply for credit from XXXX or XXXX XXXX on this day. I recently paid off XXXX XXXX and closed the account. Their response is that it takes up to 90 days for it to remove from report, 90 days has passed. Another issue, was with Chase Auto Finance. After repeatedly contacting Chase directly and indirectly they refused to remove my name from auto, that my father refinanced thru them and bought from me. Chase did not show no compassion for the lost of my father, they added pain on top up grief. It took me to file complaint with XXXX XXXX XXXX XX/XX/XXXX. Then and only then is when someone from Chase called on XX/XX/XXXX to apologize for the inconvenience and that my name will get removed immediately from the auto loan. The origin of this story is that my father purchased a car from me XX/XX/XXXX before he passed and I had been fighting ever since, to clear this mess Chase made DELIBERATELY AND INTENTIONAL, to remove it from my credit report as being joint owner b/c the car was not in my possession. Bad Business. MY FATHER AND I HAVE BEEN LOYAL FAITHFUL CUSTOMERS FOR OVER 25 YEARS and remaining.
We have received repeated calls from Van Ru Corporation ( XXXX ) claiming we owe a debt and to call back. Knowing htat they are known as scammers, and we do not have any debts that we know of, to include reviews of our credit reports, we want the calls to stop. After several contacts, they should have mailed us the information they claim regarding a debt owed.
ON XX/XX/18 I TRIED TO CONTACT EXPERIAN TO REMOVE A CREDIT FREEZE. I COULD NOT GET EXPERIAN WEBSITE TO FUNTION. I CALLED AND WAS UNABLE TO GET PAST THE AUTOMATED PHONE SYSTEM. IT SEEMS THEY HAVE DEVISED A PERFECT SYSTEM TO AVOID ANY CONTACT FROM CONSUMERS. THIS IS DELIBERATE DISCRIMINATION AGAINST CONSUMERS DESIGNED TO FRUSTRATE THEM INTO GIVING UP. I HAVE SENT THEM A LETTER REQUESTING THAT THEY CONTACT ME.
A computer glitch that was TransUnion 's problem - not my problem - it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and that myrights were violated by TransUnion. Can someone help you make TransUnion stop victimizing me and others. I know that this is illegal
XXXX XXXX and Barclays Bank Deleware on XXXX & XXXX reinserted them back. They deleted them and now they re-inserted them. They never notified me or called me or mailed me under the law of FCRA. To whom it may concern : On date XX/XX/XXXX to XXXX, XXXX, I discovered negative accounts XXXX XXXX and Barclays Bank Delaware on both XXXX and XXXX that are deleted and had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
I received an email from XXXX XXXX XXXX on XXXX XXXX. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. 
The loan officer stated that it didn't matter and that he could check on a conventional. 
After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. 
I received a letter from credit plus with a response from XXXX XXXX XXXX   XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application.
I have a XXXX account that is linked to my wells fargo account and pre authorizes payments on its behalf. I began getting emails from wells fargo alerting me that I had insufficient funds in my bank account, so I went on and saw that they had charged me XXXX times with a {$35.00} overdraft fee. I called them and they issued me a partial return of {$50.00} towards my XXXX total of {$210.00}, ultimately not helping my situation one bit. I explained that I am a XXXX and how last week was my XXXX, and that I would address the overdraft fees but that in the meantime I wanted them to please do me the courtesy of not charging me those overdraft fees as I work out my situation with XXXX. The following day I was charged XXXX more with a {$35.00} overdraft fee, and once again called, this time speaking to a man who told me he could n't do anything and that I had to pay the {$300.00} overdraft fee. As I mentioned before, I just XXXX and spent the last year as a XXXX. I have no way of paying this fee, and it 's usury and exploitation on their behalf. I really feel that this type of practice is corrupt and must be looked into because they are taking advantage of me and know I can not pay these fees.
I have several student loans that i just now have been notified that are in default. I was never alerted of being delinquent or that repayment of the loan had started. The first notice i received was from a debt collector stating that I was in default on repayment of my loans! I 've attempted to contact all/ each service provider and keep getting the run around : either ( 1 ) trying to get me to pay a ridiculously high amount or all the loans ; or ( 2 ) claiming to not have information regarding getting out of default by rehabilitation, consolidation, or getting into any income based/ income contingent repayment.
In the previous year, I had an income-based repayment plan for my consolidated student loans through  Navient ( formerly   XXXX   XXXX   ). D ue to unemployment, I was put on a hiatus, where I was told I did n't have to pay on my student loans, but I could pay on my interest if I wanted. By phone, I was told my next due date to pay would be   XXXX   XXXX   XXXX    . In  XXXX , I received an email from  XXXX  stating I had to refile for an income-based repayment plan for the current year. I went online to file at studentloans.gov and they gave a choice : start my repayment on the agreed upon date or the repay earlier. I chose to keep the date I had agreed on earlier :   XXXX   XXXX   XXXX    . They created an application stating I was to start paying in  XXXX . There must have been some kind of glitch in the system. I called  Navient a nd they said that they could not fix the application but I could apply for a forebearance for  XXXX  and   XXXX  . I do n't want to do that because I might need a forebearance for later.  Navient c alls me every day and emails me mildly threatening emails about paying and recently added late fees on my account. I called  XXXX . They 're being shady. The last person I spoke to, who said she was a  manager, said they could not change the application, but I could refile an application for inc ome-based repayment. I am going to do this but I do not feel it will solve my problem. I think t hese two :   XXXX  and navient are in cahoots with  one anot her to get more money out of us. If I am saying it is a glitch, why ca n't they just make an adjustment to my application? If I really wanted to start paying earlier, this would not be an issue.
I opened an account with Chase back in XX/XX/XXXX. The account slipped into collections over eight years ago, in XX/XX/XXXX. Despite the account being in collections for more than 7 years, Chase continues to report this debt on my credit report. They purposely keep changing the date of last activity on this account to continue reporting it on my credit report.
This compan y Roquemore has been harassing about a debt my son owe to the credit union for a car loan, I have told them that he do not live here they constantly keep calling, asking for him saying I 'm hiding him, I have block them and still they call from another number saying I see you blocked me, then they have called several family members, and they called his job telling them all his business that they looking for a car he has n't paid for, tell other people he moved out of town, then the lady got hostile with me, i have her on tape, and I told her that I was taping her and that I was going call the federal debt collecting and tell that they are harassing me, they said that they are not debt collectors, they were  XXXX  that the credit union   XXXX   XXXX  , had a insurance policy on my so n loan, that if he did n't pay, then  XXXX  would paid off the loan, and that 's why she was calling because now the car belongs to them because she said they paid off the credit union, and I also have that on tape, they were ca lling 3-4 times a d ay ever since early  XXXX , because before then I did n't answer, so I would like to sue them for the maximum amount if I can
I have contacte d Trans Union with two letters, whic h first was mailed  XXXX   XXXX ,  2017  and second  one  on  XXXX   XXXX ,  2017  requesting Identity Theft Block in accordance with Sectio n 605B of the  FCRA and they clearly are refusing to block all the information I sent them by mail twice, with  USPS Certified  Mail with Return Receipt. They sent me a letter stating the declined due to either : a ) Been made in error, b ) is a misrepresentation of material fact relevant to the request to block. I have no idea what they mean in ( b ), but this definitely is not an error. I am a victim of identity theft and do n't understand what this is about. I want these block with accordance to Section 605B of the FCRA.    Trans Union is clear ly violating my FCRA rights. I am uploading both letters I mailed them and the return receipts.
the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX
I saw an account for the Commonwealth Financial systems on my credit report, and after doing some research, the amount i " owed '' was for a hospital bill my workman 's comp paid for getting injured at work.
Ally closed my savings account on XX/XX/XXXX, with no notification. I went to transfer/withdraw my funds on XX/XX/XXXX, and my account was listed as closed. I called Ally, and the customer service rep didn't know why they closed it. She advised they mailed me a letter in the beginning of XXXX ... still don't have it, it's now XX/XX/XXXX. 

I contacted customer service again today, looking for my funds. They advised they posted a notification on their website about closing my account. I only use the mobile app, which they should know from their security logs. The rep walked me through accessing on the mobile app, and guess what? No notifications.. " oh that's odd, sometimes we have problems with the mobile app '' I was never notified, never communicated with, never told Ally would close my account. 

Further, I not only have missing funds but I have two direct deposits going in this week. Ally refuses to help in anyway. The agent tonight, XXXX from Arizona, confirmed that Ally closed my savings account as I used my savings account too much. Ally is attempting to use Regulation D, however, regulation D doesn't specifically say my account has to be closed. It could have been converted to a different account type, that option would have been much more customer centric. 

I've called into ally many times over the past 2 months ... not once did anyone ever notify me that I was in jeopardy of having my account closed due to using XXXX to send money to a XXXX woman, nor did they tell me I use my savings account too often. 

Also, XXXX from Arizona let me know about the systems limitations at Ally and what she told me does not match the resiliency information filed with the Fed.
After agent who worked mortgage / loan dept. in the XXXX CA branch of Citibank solicited me to increase an existing credit line of {$260000.00} to {$320000.00} ( 10 yr interest only note ) consummated on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I was notified of a loan modification approval by CitiMortage. I made 3 trial payments but did not sign and return the loan modification documents due to a question I had regarding the terms not aligning with what I was " told ''. I called and expressed my concerns to the executive response team member XXXX XXXX. Additionally I informed XXXX XXXX that the lien being held by CitiMortgage was in 3rd position on my property since XXXX XXXX due to no title search being performed by CitiMortgage at that time. I believed falsely that it was in CitiMortage 's interest to work with me to resolve this matter due to CitiMortgage 's position on my home being 3rd and not 2nd as they believed until I informed them. See complaint # XXXX In a letter from CitiMortgage dated XXXX XXXX, XXXX I was informed that I had been rejected for a loan modification due to the fact that CitiMortage was in 3rd position on my home. Furthermore however in the same letter it was stated that ; " Upon receiving your follow up inquiry regarding the modification documents, we were re-reviewed your request and required an updated title report before we could make a final decision in connection with your dispute. We found that your HELOC account is in third lien position, which automatically disqualifies you from qualifying for a FDIC second mortgage modification. The HELOC reset modifications allow third lien position accounts ; however, you do not meet the maximum guidelines for the modification.Therefore, we are officially declining your request for a modification ''. After all this effort and my misguided candor informing CitiMortgage of their factual position on my home after over 10 years instead of working with me further it is stated within CitiMortgage letter XXXX XXXX, XXXX " you do not meet that MAXIMUMguidelines for a 3rd position modification ''. CitiMortgage established their position on my house the last quarter of XXXX by not performing a title search prior to extending {$320000.00} HELOQ credit line on my home. IF they would have simply asked for the 3rd lien holder ( prior to XXXX XXXX, XXXX to subordinate it could have been accomplished in several days. Now the former 3rd lien holder is the 2nd lien holder and, post recession is fearful to return to his 3rd position believing CitiMortage intends on foreclosing on my house. CitiMortgage has retroactively charged me interest and principal beginning XXXX XXXX, XXXX. On XXXX XXXX I was forced to declare Chapter XXXX Bankruptcy. After 4 months unsecured debt will be discharged.
XXXX XXXX XXXX hit me with a hard inquiry I never did any requesting with them on XX/XX/XXXX so I am unsure as to why this is on my account this is fraud.
GE said I opened an account in 2012. I did NOT open an account in 2012. It is a deceptive practice to keep derogatory marks on my credit.