WillisBack/dataset-financial-user-claim huggingface dataset:
I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX
this loan company is sending me preapproved loan offers to an address where i do not live at and is not my mailing address. i am getting in trouble by the home owner of that address because of this. i 've never applied for a loan with company. i 've never put this address down as my address. so i do n't know where this loan company is getting their information from.
Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I wouldn't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from . I didn't authorize any of those lenders to pull my credit. Not sure how they got my information .  XXXX XXXX XXXXXXXX XXXX, MIXXXX(XXXX) XXXXXXXX XXXX XXXXXXXX, MNXXXX(XXXX) XXXXXXXX XXXXXXXX XXXX, NVXXXX(XXXX) XXXXXXXX XXXXXXXX, RIXXXX(XXXX) XXXXXXXXXXXX, TXXXXX(XXXX) XXXX
We had CC protection on a CC from BofA so if I lost my job it would continue to be paid. It was an insurance policy. All of my other CC 's froze the account and payments where made from the insurance to keep my credit good while I was unemployed. BofA decided to immediately move the interest rate from 7 % to 29 % for no reason other than they could see I was unemployed. The insurance kicked in and instead of the payments making a dent into the principal it all went to their interest since it was now so high. We called and they said they could do this since I was unemployed yet we never missed a payment or made a late payment. We decided to close the account and refused to continue paying them. A XXXX later they decided to settle the account for {$.00} on the dollar but by then my credit was ruined. No other CC did this practice of raising the interest, just BofA. And yet our government bailed them out ... .how wrong is that.
I would like to report PayPal.com for unscrupulous business practices. In XX/XX/XXXX, I used my PayPal account to pay an individual for a musical transcription service. As I was finalizing the transaction, a confirmation window popped up. As in the electronic age, these windows routinely pop up to confirm a transaction, I clicked " OK '' without reading the full length of the text. As it turned out, it was a window asking me if I wanted to open a PayPal line of credit. I was upset when I realized what had happened, and found out today when checking my credit report that the situation is even worse than I thought : with this simple click of a button, PayPal performed a hard credit inquiry ( using the personal information I had to provide when I first set up the account long ago ). This confirmation window strategy was clearly designed to prey on consumers, and it works. Now the hard inquiry has brought down my credit score. I hope you will pursue this to ensure that PayPal desists from this sort of borderline scam activity. Thank you.
TransUnion XXXX XXXX  Credit Report Period XX/XX/XXXX Account Number XXXX Condition Derogatory Responsibility Individual Current Balance XXXX Original Balance i sent transunion the total payoff due to the hurricane plus they have gap on all their cars now they put it back on my credit report violations of my fcra rights XXXX Limit 0 Monthly Payment 0 Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 48 Loan Type Auto Lease Opened XX/XX/XXXX Reported XX/XX/XXXX
My credit was repaired, I have a fraud alert and now my score will not appear. It states I have no credit when in 2013 reported a XXXX credit score. unable to get a clear answer from the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX
Approximately 4 months ago I settled a debt with Conn 's Appliances , Inc. through the collection company for which they referred my deliquent account to XXXX XXXX XXXX XXXX. The balance due was {$2000.00}. I contacted XXXX XXXX XXXX and stated to them that I was rebuilding my credit and I would like to settle the outstanding balance. We negotiated and agreed upon a favorable amount of {$980.00}. I received a letter from XXXX XXXX stating their client Conn 's Appliances , Inc.,  authorized to proceed with the settlement offer. I provided XXXX XXXX XXXX a posted dated draft from my checking account which authorized the payment draft for XXXX/XXXX/XXXX. I received a letter from XXXX XXXX XXXX dated XX/XX/2017 they received the payment and posted the payment to my Conn 's Appliance Account. I have reviewed my credit reports from all three bureaus and see where Conn 's Applicance is providing falsified inaccurate information on my credit reports stating I have a remaining owed balance of {$990.00} that is delinquent. I written all three credit bureaus with supporting documentation of agreement and cancelled draft/check that shows this is now a settled debt. All three bureaus are telling my that Conn 's Applicance is stating I owe this amount and the account is still open. This is not fair nor is this in compliance of the FTCA.
On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy. <P/>I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.
I was sued by Discover Card after failing to keep up on payments. I was without an address for many months and not receiving their letters. Because of the company 's inability to contact me in XX/XX/XXXX, they took legal action to collect those funds and were awarded a judgement in court. 

I was served legal papers by a representative of the bank as soon as I was able to establish a permanent address. I immediately contacted the bank to make payment arrangements and established a plan. 

After moving from XXXX  to XXXX, I found myself unable to keep up my payment arrangement. I contact the attorneys for Discover at XXXX XXXX in XXXX XXXX, XXXX to let them know this in XX/XX/XXXX and was told it would be ok to contact them in the summer to resume payments. The women I spoke with was quite friendly, too, which was a huge departure from the quite rude and judgmental male I generally speak with concerning my case. 

In late XX/XX/XXXX, I attempted to use my bank debit card and was declined at the store despite having money in my account. I was informed by my bank that Discover had placed a garnishment on my account to recoup any possible money coming in and that the garnishment would be in effect until XX/XX/XXXX. I was unable to use my account for over a week because of this. 

I feel it was deceptive for the bank to have told me it was ok to temporarily halt payments, then take this course of action. I generally received phone calls from the law firm when there was a pressing issue to deal with ; I received no such courtesy from Discover 's attorneys prior to the garnishment. The company assumed I was just ignoring my debt. They said they would have to review a recording of my phone conversation with their representative to corroborate my account of events. 

I no longer feel like I can trust the agreements I make with this firm over the phone or even in writing, and I don't have the money for a lawyer.
I filed bankruptcy and XXXX XXXX was left on my credit report an I had no balance and it lowered my score
best buy closed my account based on a report obtained from XXXX. I called best buy and told them the report and information that they obtained was incorrect and it must not be me. I crossed referenced the consumer report from XXXX and they are clearly wrong. Now they have closed my account so this will negatively affect my credit score.
The debt, Belk account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than one occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. One was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.
I contacted  XXXX   XX/XX/XXXX  by online for inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
I placed a security freeze on my credit report with all 3 agencies. I have had no issue with any except Experian. I reside and have 2 home addresses. I never received a PIN in the mail from Experian. I tried to have the freeze thawed for a credit application. It is impossible to talk to a person at Experian. The internet page that allows you to unfreeze your report does not work. My thaw was rejected, with no reason given. I followed their directions and was told that I must send the following information in the mail to them in order to have the freeze lifted. I do not feel comfortable sending information in the mail that includes copies of my social security number/card, bank statements with account numbers, and a photo copy of my drivers license and other identifiable information. The other two agencies have the ability to identify me and freeze or thaw, while Experian requires that I send highly confidential information in the mail. They also do NOT return these documents. I feel that they should offer a way to do what the other reporting agencies do. I have had accounts hacked multiple times, and hence the freezes. I even paid them for their service that claims to be able to do this. However I was sent to the same page over and over. They should be required to have a phone number with a person that can handle issues like this. I am being denied credit in a timely manner by this request for all this sensitive information.
I have a credit card through XXXX XXXX, which I pay on time. However, Experian will NOT report that I have this credit card and that I am keeping a very low balance or {$0.00} in most cases. 
I have this credit card for over a year, XXXX and XXXX does indeed report that I have this credit card along with other credit cards and that helps my credit score. After numerous attempts to get Experian to report on this credit card, I am getting nowhere with them. 
I have provided Experian a letter of re-insertion that they requested from XXXX XXXX, even after furnishing that letter, Experian is not reporting that I have that credit card in good standing, negatively impacting my credit score. 
I have a {$700.00} limit on the card, and the balance is {$0.00}.
I just checked my credit score on credit karma and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.
I have a Lowe 's credit card, that I have used for home improvement supplies. I am satisfied with Lowe 's customer service. But who is Synchrony Bank?? My first payment was {$88.00}, which I never saw deducted from my bank account, but was posted on Lowe 's website. I had a message from Synchrony bank that my payment was " returned '', even though I did not write a check, and I did not see it on my bank statement until I went to the store to pay it. This month I paid my due amount on the due date but I do not see it on my bank statement, it was posted on Lowe 's website. I sent a message regarding this silliness. but have not heard back. I asked if I needed to verify my bank information, but have not heard back. After pressing 1, pressing 2, whatever, I did not get to talk to a human. I have a credit card at XXXX, and it apparently my payment was easily done. I tried to call Synchrony to ask where is my Lowe 's payment?, in the cyber vault? I am a XXXX veteran, with a functioning concept of duty, and I have an excellent credit rating. 
I am waiting for a response to my e-mail question. If I could, I would pay the whole thing at Lowe 's and shop there without a credit card. I am going to try to do that. I have no problem with Lowe 's, but Synchrony is too big to care and even respond. My bank is a local bank and has never disappointed me. They seem to care about their customers.
Received a property foreclosure notice by mail from XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/2019 for the sale of my home by mail XX/XX/2019. Tennessee law states the homeowner is suppose to receive the foreclosure notice 30 days prior to the sale date. 
I have submitted a modification request to my mortgage company Shellpoint Mortgage. 
I don't want to loose my home. 

Please, Please, Please, Help
I owed the  XXXX   XXXX  a balance of {$720.00}. My bill started out at approximately {$1500.00}. I was on a payment arrangement with the clinic and making timely payments of {$100.00} per month. On    XXXX   XXXX  , 2017, I received a collec tion letter  from Transworld Systems , Inc. I c alled and spoke with  XXXX   XXXX  and she extended a settlement offer of a 20 % reduction. I paid the amount of {$570.00} via credit card on that phone call. I have now received another collection letter stating the 20 % or {$140.00} is due. I ca lled Transworld Systems , Inc. an d spoke with  XXXX   XXXX . He put me on hold and when he came back to the line informed me that the settlement offer was not going to be honored and the money was due.
PHH Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX Servicemember XXXX, PHH sends only correspondance via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get XXXX. I have given them my email over and over but they only refuse to speak thru official mail.
On early XXXX, XXXX. I received a letter from Ocwen Loan Servicing , LLC . dated XXXX/XXXX/XXXX ( See Attached ) stating that a loan modification denial letter previously send pertaining my application for mortgage assistance may not have contained the gross monthly income used in determining my eligibility. Since Ocwen might not have included the original income in the previous modification letter, Ocwen was offering me the opportunity to dispute the modification decision. I disputed the loan modification decision. I received a respond on a letter dated XXXX/XXXX/XXXX ( see Attached ) stating that Ocwen was denying Loan Modification because the owner of my loan does not allow modification. Why Ocwen encourage me to apply to loan modification if Ocwen knew that owner of loan does not allow modification? In my opinion, Ocwen encourage me to apply to loan modification in order to cover for their mistake stated on letter send on XXXX/XXXX/XXXX and have acted in bad faith. After receiving numerous threating letter from Ocwen, I decided to put my house of 15 years for sale. Ocwen send me a payoff quote dated XXXX/XXXX/XXXX ( see Attached ) valid through XXXX/XXXX/XXXX. On XXXX XXXX, XXXX I requested a revised Payoff quote to be Valid through XXXX/XXXX/XXXX I was told that I was going to receive it in about 5 business days. As of today, I have not received Payoff quote. On XXXX XXXX, XXXX, XXXX XXXX, Senior Escrow Officer from XXXX XXXX XXXX Company requested a Payoff quote from Ocwen to be Valid through XXXX/XXXX/XXXX as of today, XXXX XXXX have not received Payoff quote. Today, XXXX XXXX, XXXX XXXX XXXX called Ocwen and explained urgency in getting Payoff quote today because escrow is closing tomorrow morning, XXXX XXXX, XXXX. During the course of conversation between XXXX XXXX and an Ocwen supervisor from Ocwen escalated department, private sensitive information of me was disclosed by Ocwen supervisor such as loan was in delinquent, time loan was in delinquent, and other personal information that I did not consent to be disclose. My privacy was violated by Ocwen. Supervisor at Ocwen told XXXX XXXX that Payoff quote could not be send today for escrow closing because Ocwen needed to add Attorneys Fees to quote. I know for a fact that my home is not in Foreclosure preceding. I have not received any letter of default. In fact, please look at Payoff quote attached, there are no attorneys fees. Nothing have change. There should be no attorneys fees added to any Payoff quote. Ocwen is holding my escrow closure due to take place tomorrow, Friday, XXXX XXXX, XXXX because they want to add more fees for themselves. Ocwen has been given plenty of time to produce payoff quote. I requested payoff quote back on XXXX XXXX, XXXX. I am not able to close escrow tomorrow due to Ocwen behaving in a dishonest maner in order to collect more money in fees and XXXX. If I do not close escrow tomorrow, I will cost me a lot of money in fees and Interest. I will put more money in Ocwen 's pocket. Please investigate my file asap. I believe my privacy and rights are being violated by Ocwen I need help. thank you
THIS IS AN ACCOUNT FROM PORTFOLIO RECOVERY  XXXX . THIS ACCOUNT IS PAID IN FULL. UPON SETTING UP PAYMENTS ON THIS ACCOUNT I WAS INFORMED THAT THIS ACCOUNT WOULD NOT BE REPORTED TO THE CREDIT AGENCIES BY A  MANAGER  (  XXXX  ) BECAUSE I WAS HANDLING THIS ACCOUNT AND PAYING OFF THE DEBT. THEY DID NOT HONOR THEIR SIDE OF THE DEAL AND DID REPORT MY ACCOUNT TO THE CREDIT AGENCIES. I HAVE CALLED THEM NUMEROUS TIMES REGARDING GETTING THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE BEEN TOLD TO CONTACT THE CREDIT BUREAUS AND WAS ALSO TOLD THAT THEY DO NOT DELETE THERE ACCOUNTS FROM PEOPLES ACCOUNTS. PLEASE HELP ME TO GET THIS REMOVED FROM MY CREDIT REPORT. THANK YOU
they promised to take off my credit report after i had paid the bill ad ever done so written several letters and even called
I have never received any notice of default from collection agency Simon 's Agency. 
I have discovered the collection activity while reviewing my credit report in late XX/XX/XXXX, and I have sent a notice to Simon 's Agency ( a debt collector who does n't own but is assigned to collect the debt on behalf of XXXX XXXX XXXX ) on XX/XX/XXXX. A subsequent follow up complaint was sent to XXXX via XXXX. XXXX is the current account owner and allegedly the original creditor. I have advised both them of dispute of the information submitted to Credit Bureaus. 
A notice sent to Simon 's Agency specifically stated that " this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. '' Neither Simon 's Agency nor XXXX provided any viable evidence, copy of the signed contract or even copy of the statement to substantiate the claims made. 
Instead, both companies refer to internal printout of alleged payments made in XX/XX/XXXX-XX/XX/XXXX and admit that they have no other evidence to back up their claims. 
However, despite the lack of evidence to substantiate the claims both companies insist that the debt will be reported to credit bureaus as validated and refuse to resolve this matter.
I have had an account with Macys for a few years. I have not used the card forever. I called them XX/XX/XXXX 2015 to update my new address because I moved. They said it was updated. The other day. XXXX/XXXX/15, I had my credit pulled and they are reporting me 90 days late. I called them, the same day to resolve this, and they said all the statements had got returned because they have the wrong address. They advised me it was their error and they removed all the fees and fixed my account. They said they would remove he lates from my credit due to their error as well. I called back XXXX/XXXX/15 to ensure this had been done & they advised me they will not remove the lates from my credit because I should have called them to ensure my address was changed. Why do I have to call back to ensure my address is changed? I changed it with them and all my creditors in XXXX 2015. It is not my fault they did not update it correctly. This is not my fault and they have admitted it to me and fixed all the other issues, the lates on my credit are a part of the same issue & need to be removed as well. I am never late nor have I been late with them or any other creditors.