WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Real Time Solutions Please provide Assignment dated XXXX Title Policy dated XXXX Explain why Real Time Resolution does not appear on title report Who is Beneficiary Explain why Real Time Resolution did not respond to reopening of bankruptcy to file a proof of claim or respond to motion to VOID lien. 
Explain who should have responded Have RTR received copy of VOID lien from bankruptcy When were you noticed creditor had filed bankruptcy before or after Real Time Resolution purchased an I collectible debt - as there was no equity when Real Time Resolution purchased in XXXX while debt was in bankruptcy Why did you not notice bankruptcy attorney of record of purchase of servicing rights Real Time Resolution was not a creditor however appears to have known of bankruptcy XXXX XXXX XXXX sent a copy of reopened bankruptcy in XXXX that was forwarded to Real Time Resolution
Continues to call after asked for verification. States I will be served or arrested. 
Continues to call from numerous numbers across the country to mask their company.
On XX/XX/18 and XX/XX/18 I sent in 609 letter asking XXXX  to validate the bankruptcy that is being reported on my report on XX/XX/18 and XX/XX/18 I was sent a paper stating they would not remove the inaccuracy nor would they allow me to dispute the information with them again because it had been verified, not once have I been given the paperwork showing where, when or how this was validated. I contacted the Bankruptcy court and received a letter back stating they do not provide information to credit reporting agencies, the only way they will validate this is if someone comes into the court office and review records.
I filed bankruptcy on a secured credit card from US Bank due to my lawyers advice. US Bank sent me a check for my down payment of XXXX dollars minus the balance on the account. I believe the price I just recently received a check for was about XXXX dollars. The only problem is was this account was paid in full be me and there was no balance on this account. I had lost the card before I filed bankruptcy and I did not notice until now because I know I did n't need that credit card anymore. Long story short US Bank still owes me around XXXX dollars because the balance on the account was made by fraud transactions. The fraud happened around XX/XX/2016 right before I filed bankruptcy. The balance on the account should be XXXX so I should be given the remaining balance. I called and talked to XXXX different people and no one from that company knows how to take a fraud claim on an account that was claimed in a bankruptcy. I am not disputing the account as it was mine, but the fraud transactions that made up a balance is fraud. They ca n't even tell me what transactions came through that made the balance that high. Please help. I feel that they are discriminating against me because I filled bankruptcy and no one wants to help me.
I have a hard inquiry for a Walmart credit account. I 've never had one or applied for one. Please check this out for me, so this can be removed from credit report. 
Thank You XXXX XXXX
I purchased a XXXX garage door through XXXX. The installer XXXX XXXX XXXX installed damaged panels instead of alerting me to this and installing non-damaged door panels. Furthermore, even by their 3rd visit they still did not install the door hardware or even use the proper bolts, and they damaged the framing of my house too. 
Some how XXXX, my credit card issuer, has ruled in XXXX 's favour even though XXXX never even sent in any documents! I though sent in 2 letters with photos of the damage and lack of door lock, handle and kickplate! I was told by USAA that I can have the case re-examined by receiving a phone call from the Disputes Analysts assigned to my case ; I said fine as long as they do not call my on my XXXX ( sun down Friday to sundown Saturday ). Lo and behol they call me on my XXXX ( Friday XX/XX/XXXX at XXXX )! The Disputes analyst left me a vm with her call back number and extension. BUT the phone number she left has a system that can take extensions of only XXXX numbers! I called the regular USAA ph number and that rep gave me the direct number to the disputes department. Calling this number I was indeed able to put inthe whole XXXX digit extenson number but every time i call i get her VM and no return phone call!!! 
XXXX | XXXX | XXXX My current call log : XX/XX/2017 - left vm @ XXXX XX/XX/2017 - left vm @ XXXX XX/XX/XXXX - left vm @ XXXX & with general VM too USAA is constructivly ignoring me and enying my my contractual rights.
I am unable to access my credit report from Experian. The challenge questions they ask on their website have items I do not recognize and does not allow me to obtain anything. The last time I was able to check a few years ago, there are items that do not belong. Incorrect items have affected my credit and ability to get jobs.
I co-signed for a lease jeep for my granddaughter and it was fine, now I get a letter saying Ally wo n't be the financial party and she has already taken possession of the vehical and and set up direct auto pay from her checking account. I have tried to get ahold of the credit reporting services and can not talk to them. I am in dispute for my credit because things are on there that should not be and I want to know why.
I was going through my credit report from the 3 major credit bureaus ( XXXX, XXXX, and equifax ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).
Mortgage loan specialist asked for 2 years of tax returns which I provided to them on behalf of my husband. Next she had my husband sign a XXXX form which requests transcripts of those tax returns from the IRS. I realize the mortgage process does this to ensure that the documents I submit have not been altered. However, when I read through the XXXX document it was prefilled to request 4 years of transcripts from the IRS. Not only did it request XX/XX/XXXX and XX/XX/XXXX which the bank VERBALLY said my husband would need to provide to them in order to approve the loan, but it also requested XX/XX/XXXX and XX/XX/XXXX transcripts. I asked the Mortgage processor if they needed 4 years of tax returns and she assured me that they did not. I then requested that they would have to change the prefilled form to reflect only 2 years of transcripts before I would sign and she refused. She said there was no way to change the form. I told her that someone in the Wells Fargo online e-forms department had access to that form and it shouldnt be hard to change it, but again, she refused. I told her that was dishonest on the part of Wells Fargo to verbally request 2 years of tax returns and then in printed form give themselves permission to 4. If they verbally say they do not need 4 years of my tax returns then I feel it is criminal behavior for them to provide a form that is PREFILLED that requires a signature in order to proceed, that gives them access to 4 years of financial records. This is a total breech of privacy and I feel Wells Fargo should not be able to continue this criminal behavior.
XXXX XXXX. I moved from this apt . complex and was up to date on my rent. One year later recieved letter stating that I own them {$1100.00} dollars. 
I now have the credit book, how to fix your credit. On XXXX XXXX I sent them a certified letter stating that, they need to sent me a letter with my signature on it to proved that I own the {$1100.00} dollars. On respond! Now they will not sign for my XXXX certified letter stating that they removed this from my credit report and that they failed to respond in the 30 days under the Fair Credit Report Act.
According to their own tool, I am one of the people impacted by Equifax 's recent cyber security breach.
I have submitted a 90 day alert on my account for all new credit inquiries, but this level of personal data loss is nearly inconceivable to me.
My name, DOB, SSN, and all of my current lines of credit are now permanently accessible by motivated persons on the internet. Who knows what other data was leaked in addition.
What are my options? Change my social security number? This sort of mistake is absolutely inexcusable. The sum inconvenience, to put it lightly, of all affected parties is astounding.
I have worked and worked after seeing my Credit Report and saw so many accounts that did not belong to me. I was saddened because I had no idea that it was even legal to report so many things that were untrue. I do not have a problem with paying debt that belongs to me but this is ridiculous because I have no knowledge of these accounts, please remove them immediately! XXXX No knowledge of this debt! XXXX/ XXXX-No knowledge of this debt! Ive never had a XXXX account nor do I have a home to get these services, I am trying to get a home and that is why I pulled my report, I live with someone else currently! XXXX reports 3 times, have n't even been to college so this could not be true! I have no knowledge of this debt. XXXX XXXX, Same as stated before, I have no knowledge of this debt. XXXX XXXX XXXX- No knowledge of this debt. XXXX XXXX- No knowledge of this account! XXXX XXXX -No knowledge of this debt! XXXX XXXX -No knowledge of this debt! I also have unauthorized inquiries and I have no knowledge of these companies! Nor did I give them the authority to pull my credit! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized! Please help me to remove these things off my credit. They are stopping me from moving forward and this is very much unfair because this debt does not belong to me!
I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with   XXXX   XXXX   also the car was given back to the people without a hassle and all of a sudden these people Deville Mgmt for  XXXX  which they said it was open on   XXXX   XXXX  , 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely  XXXX  So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely   XXXX   XXXX
Beginning in XX/XX/XXXX I had taken out student loans with the Department of Education. This was my first year of college. There was no classes or anything needed to be taken in order to receive these loans. Over the past 6 years I had changed colleges a couple times. After completing my XXXX degree my loans were bought out from XXXX XXXX to Navient. I was unaware and had no choices about this buy out. IN XX/XX/XXXX, they suggested me to consolidated to pay one payment. They never informed me that this would make my loan forgiveness go back to square one. In XX/XX/XXXX I applied for a XXXX degree which put my consolidated loans in to deferment. I do not know how much interest has accumulated over my loans, no one has ever gave me ADVICE on my loans to pay them off. I have had a job every year since I have been in college and no one has ever told me you can make payments on my loans while you are in college. ( THIS WOULD HAVE BEEN HELPFUL. EVEN IF IT WAS {$20.00} ) After I completed my XXXX  program. Another representative advised me to re consolidate both loans and now I can pay one payment. Only after I asked about my loan forgiveness date was I than informed it was recalculated to XX/XX/XXXX because I re consolidated. These people are liars and are making it IMPOSSIBLE to get out of student debt. I have {$120000.00} in loans and almost HALF of it is interest. And since I consolidated after completing my schooling after 10 years, I still have to pay another 20 years. Navient has no solutions. They do not help you and if you do not ask questions you will never be able to understand your loans. There are so many charges on my account I have no idea where to start and if all of this is accurate.
When i contacted the company to make the payment of {$130.00} which states on all three bureau that amount, i was told it would be {$440.00} or renew loan. I wasnt able to do {$440.00}. My understating is that amount shown was that of previous settlemeant .i didnt make payments nor reset for s new loan wasnt sure what to do.
I have a XXXX XXXX CARD number XXXX recently this card have many problems, on XXXX XXXX they charged me XXXX $ + XXXX $ for a TOTAL of {$1000.00} for annual fees for XXXX XXXX CREDIT CARD, the last month BARCLAY decided to change without authorization the Card and my account to a XXXX CARD, I am not agree with this change and asked them to close my account an refund the annual fees. Now, they closed the account and told me that are " unable to refund the fees '', this is a fraud and its happening with many clients, please help. 
Thanks, XXXX XXXX
A few months ago I requested my credit report from Experian. I got back this letter from them telling me that they received something that looked like fraud. I did n't get a chance to call them right away and I honestly thought it was some kind of mistake so I just went online and got my report from some website instead. 
I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
navient has yet to fix the credit dispute event though they said the hit would be fixed. calling multiple times the issue has yet to be resolved
I am filing a complaint for a debt collection agency. This agency is Focus Receivables Management XXXX XXXX XXXX. XXXX XXXX. XXXX, GA XXXX. XXXX This company has never attempted to contact me regarding any debt via phone, email, or mail. They reported this debt from a previous cable company from years ago as a collection on my credit report to all XXXX credit bureaus. I have since paid XXXX what was owed to them and this " collection '' remains on my credit report. I sent this debt collector a letter to have this removed from credit report as I was never notified of any debt owed prior to the report on my credit. This has had a detrimental effect on my credit score. 
Please accept this as a complaint against this collection agency.
XXXX Sirs, Experian recently changed those services included within their free membership. Like XXXX and XXXX XXXX their free membership had included the ability to lock and unlock the credit report. This is an extremely valuable feature given the many varied methods by which hackers attempt to access ( sometimes successfully as was the case with XXXX ) your financial identity. Experian now believes it appropriate that they should be paid by the consumer to protect the information they have collected about that consumer. In an attempt to protect my personal information given Experian 's new position I would simply not authorize Experian 's collection of such information instead of paying them to protect the data. I do not believe my potential future creditors need access all three reports with one or two being sufficient. I believe the XXXX  should either assure the consumer has the ability to lock their credit report or provide the consumer the ability to pick and chose which credit agency they authorize to collect their personal information. If all agencies were to take Experian 's position the cost to the consumer in an attempt to protect their information would amount to {$720.00} / annum ... .no small amount when extrapolated over your financial life. 
In summary the foolishness of the system is ... ..An organization collects valuable personal information about a consumer without authorization ... ..consolidates such information into a central location with limited protection from potential hackers ... ..then tells the consumer if they wish to try to protect such data they will need to be paid {$240.00} / annum. Some would view such a scheme extortion. 
Thank you I hope you come to view this foolishness similarly.
Capital One continues to pursue garnishment on my pay for an account that I believe is outside of the statute of limitations. I recently received notice on XXXX/XXXX/15 service sate of XXXX/XXXX/15 giving me about 9 days to submit. I feel as though they are illegally attempting to collect am outdated debt.
We refinanced our home in 2012 through Mortgage Investors Corportaion ( MIC ) XXXX . They stated that we only pay the 2 % APR interest on the current principle balance of the mortgage and in turn pay off the home faster. We were later told that MIC was sued for fraud. We have been getting calls from other mortgage companies to refiance the load to get out of the fraudulent XXXX. What is our next step? What do you suggest? As I am XXXX please contact my husband, XXXX at XXXX XXXXXXXXXXXX, XXXXXXXXXXXX, cell XXXX or myself at XXXXXXXXXXXX or cell XXXX.
XXXX XXXX XXXX , XXXX out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX XXXX, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.
My Navient Online account was locked, preventing access to my information. The site said to call to unlock my account. The phone number provided registers as out of service, or directs me to an automated call service which has no info concerning locked accounts. 

Emailing " XXXXXXXXXXXX '' results in a reply saying, do not email this account, please log in, ( which is impossible ) with a locked account. 

It seems that unnecessary burdens to account access are in place to prevent consumers from having the information necessary to make financial decisions. 

Please disband this company.
I'm unable to withdraw cash from my account at PNC Bank which has over {$3000.00} in funds, The account shows the balance as {$0.00} available and I'm not sure what happened to my funds. Called customer service several time they were unable to help me and they can not figure out what happened to funds in my account. This situation has caused hardship and pain. My stress levels increased resulting in XXXX XXXX XXXX. Please help.
First of all I am not sure if this is identity theft of just a debt that is not mine. I received a transmittal fro m Transworld Systems Inc. date d  XXXX / XXXX / 17  for  XXXX  from a client named  XXXX   XXXX   XXXX    XXXX   XXXX   in  XXXX  ME. I called transworld on  XXXX / XXXX / 17  and was advised to contact  XXXX  directly. I called  XXXX  on  XXXX  and spoke to  XXXX  at  XXXX  and she informed me that the identity did not match and that she would n otify Transworld .  I received a letter from Transworld on  XXXX / XXXX / 17  stating that they would like to apologize for sent me a collection letter in error.and to be assured that this had been corrected. Today  XXXX  I received a letter from  XXXX   XXXX   XXXX   XXXX  in  XXXX  ME with the same account number but for  XXXX ! I called  XXXX   XXXX   and they said we did not send the letter, Transworld did. I then called Transworld and we went round and round again and they denied sending a letter saying that it wa s an error and could not explain both the difference in the amount owed and also the difference in the original biller. I spoke to  XXXX  the first time and he hung up on me then I called back and got  XXXX  again and asked for a manager  XXXX  and she could not make any sense out of it other than to blame the original billers!!  XXXX   XXXX   also  denied me having a bill for  XXXX . This has been happening to me over the last year and not just medical bills but also credit card bills. Several charges appeared on my credit cards that I did not make. I am so not sure what to do about this problem. The account number with Transworld is  XXXX
A Fake XXXX XXXX XXXX account was opened using my name and social. I attempted to resolve this problem with XXXX XXXX XXXX directly but they refused to remove the claim even though it was fraudulent.
I opened an American Express Starwood Preferred Business Card in late XX/XX/XXXX due to the enticing XXXX open account reward promotion. I have met the spending requirement of XXXX dollars in XX/XX/XXXX, however, the reward points promised never showed up in my Starwood Reward Program account, where my previous points from the American Express cards appear. Three attempts to communicate with American Express were made roughly 1 month apart starting in late XX/XX/XXXX. Each time, I was promised the points will be awarded. To date ( XX/XX/XXXX ), three months after the requirements were met, I have not seen any rewards.
My mortgage was sold to Green Tree mortgage which became XXXX ditech. I overpaid my mortgage {$150.00} per month and had a years worth of overpayments in unapplied funds. I called the customer service number and asked this to be transferred to principal or refunded to me. Somehow this triggered me to be in collections ( I never missed a payment, always over paid ). 
This unapplied funds was sent to escrow and none of the XXXX people I spoke to could figure out how to fix this. They had no ide idea how I was in collections while overpaying, I have at this point been calling and calling to have this unapplied funds sent back to me, I am now told it was sent to principle but they are not really sure, I want the money sent back to me as I do not see it anywhere on my account anymore. Customer service has not been taking calls all week and the people who answer the phones are nasty and really incompetent. Please help and warn everyone about this nightmare of a company.
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2016 Amount : {$5500.00}