WillisBack/dataset-financial-user-claim huggingface dataset:
My mother, XXXX XXXX, was the victim of scammers who urged my mother to send money " urgently '' to help my sister, XXXX XXXX. My mother sent three checks from her bank XXXX XXXX XXXX. As soon as my mother realized she had been scammed, she signed up for credit monitoring service from Equifax. This was in XX/XX/2017. Because the scammers had resulted in my mother 's account being completely overdrawn, the bank closed my mother 's account. 

My mother was able to open a new account at XXXX XXXX XXXX  later the same month. When she did, Equifax then began to withdraw money from the new account. As Power of Attorney, I notified my mother immediately about her having been identify as part of the major security breach at Equifax and set up a free XXXX XXXX XXXX XXXX. Because Equifax had so many calls at the time of the breach, the process was lengthy and I made calls over a few days to get her account set up. The representative told me that my mother 's paid Equifax credit monitoring subscription would be cancelled and she would no longer be billed. She continued to be billed by Equifax even though I tried to resolve this. I called Equifax during the last weeks before her death and told them that my mother 's bank account would soon be closed. Equifax assured me they would act to stop the withdrawals and would work toward a refund. They requested documentation, which I sent to them. They requested something showing my mother 's address, which I sent to them ( a XXXX Bill ) ;  copies of her identity ( driver 's license and social security card, and other information they requested ). I have had no contact with Equifax except a congratulatory email extending her XXXX XXXX for another year. For the record, Equifax did attempt to withdraw one time after her XXXX XXXX XXXX  account was closed.
I have items on my credit report that does not belong to me. I have filed fraud reports to the credit bureaus XXXX, Experian and XXXX. 
The listed company does not belong to me : XXXX XXXX - has two different accounts listed. 

( XXXX XXXX - {$10000.00} and {$6700.00} & XXXX XXXX- {$0.00} and {$0.00} ) But, both has the same account numbers. These accounts are eroneous and does not belong to me. They are hurting my credit score. The credit bureaus are doing nothing to rectify.
To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX  for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage.
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. SW Credit Systems L.P has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
In XXXX 2015 Wells Fargo Dealer Services issued a 10 day pay-off statement for a car loan that was traded-in to a small dealer. The loan payments were being made via the internet until I moved to another state and could no longer access the on-line WFDS account. I contacted them several times to explain the log-in issue with no resolution. I made the payments in person at the local bank. After accepting the pay-off WFDS refuses to release the lien ; they want more fees totaling approx. {$240.00}. When I question what the fees are for ; no one can tell me. I 've passed around to numerous people who refuse to give an Ext. Spoke to the local Branch Manager of WF who was not able to get anywhere with WFDS. I was told more than 2 weeks ago that the issue would be escalated to a Supervisor and have never heard back from anyone. The title is sitting at the local County office and the car can not be re-sold.
I opened a Macy 's star rewards credit card in the store late XXXX this year when I bought an engagement ring. Later, I received a statement which I paid in full over the phone. More recently, I received a statement for my Macy 's credit card saying that I had a previous balance of {$4.00} due & now had {$2.00} interest for a total due of {$6.00}. If this is not paid on time, they threatened to charge me a late fee of {$32.00}. I had nothing due since this XXXX purchase was completely paid off & there have been no other purchases. I have called Macy 's credit card customer service phone number multiple times over the course of several weeks as well as emailed, but have received no response back.
My confidential credit information including my SSN has been leaked in the recent EQUIFAX Breach.
EQUIFAX has but myself and millions of other Americans at high risk of Identity Theft due to their Criminal Negligence.
Additionally, EQUIFAX failed to report the breach in a timely manner. EQUIFAX Executives knew about the breach from XX/XX/XXXXthrough XXXX 2017. However, I was never notified of the breach by EQUIFAX. I found out via generic press release on the news, which is frankly disrespectful. The fact that EQUIFAX admits that they will not notify breached individuals is appalling business conduct.
Additionally, the fact that EQUIFAX executives sold over {$2.00} Million USD in stock days after the breach, heavily indicates criminal insider trading.
I was a victim of fraud. I have attached my FTC fraud alert. I have also had accounts re-added to credit report after being deleted. I have XXXX XXXX accounts deleted that were re-added, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I have attached proof these accounts were deleted. 

Item # 1 : I dispute XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. When was this account added to my report? I have attached payoff letter also from 2007. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. Was removed from credit report once. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., account on my credit report twice. This account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete.
On XX/XX/XXXX I sent XXXX XXXX a XXXX payment for {$740.00} for rent. A week later my room mate tells me he hadnt received the payment. I went in to my Chase account using the App and that is when I noticed that one of the numbers to the phone number was wrong. I immediately called the back of my debit card and spoke to a representative where I filed my claim. I was told that they would let me know what the outcome would be in about 10 days. They asked me if I knew the person who had received the money who happened to be a XXXX name and I continued to inform them that I didnt know her and that the money was intended to be for XXXX XXXX as stated on the transaction. I received a letter letting me know that the transaction would remain on my account as a XXXX transfer. When I called the claims department to Chase they informed me that in order to retrieve the money from the woman I had accidentally sent it to, that they would need her authorization and that they couldnt get a hold of her. When they called her, she answered, was put on hold and the call was disconnected. They asked me if I wanted them to try a second and third try and I told them yes. Since then I havent heard from Chase. Its concerning that when I open up the Chase app, the XXXX XXXX is there for customers to use and you fully trust that as a financial institution you would be protected if something went wrong. The woman who accepted the money has no right to receive it as it wasnt intended for her. Her name is not XXXX XXXX
In 2012 this nightmare began, I had become ill and could n't get any assistance from Nationstar. Fast forward, now I am XXXX and still fighting with them for what is fair. They should have helped me in 2012 and none of this would have happened this way. Please see my timeline explanation for more details.
they served me what appeared to be court documents, but there was no case file. They were UNFILED court docs, but the letter with them said M & J had filed a lawsuit when, in fact, they had not. They were trying to scare me into signing an agreement. illegal service of fake papers is intimidation and I have a protection against such practices and my right have been violated by such practices. It was taken as a scare tactic by me but I went to Respond to the summons and low and behold there was no case. This was in XX/XX/XXXX.
Fast forward to XX/XX/XXXX and I am being made aware of a levy put on my accounts from this company for {$8000.00}. They apparently filed the lawsuit after It was made clear that I wasnt going to be bullied, with the papers they faked me out with. They filed for an order of default judgment because of the appearance of no response, and then There was a default judgment made against me. I was not given a court date So I was not given the the proper means to fight these accusations being made against me because of the use of dirty tactics with this company
In the summer 2016 XXXX XXXX closed it 's doors while I was going to school. I had gotten student loans from XXXX XXXX and was told because the school closed those loans would be discharged. I followed XXXX XXXX 's instruction and was denied. They told me i was denied because the loans were in use with another school, XXXX XXXX XXXX XXXX, the school I go to now. However, because XXXX lost its accreditation no school i found will take XXXX credits including XXXX. They first claimed the loans were knew and only for XXXX however I got the loans three months before I even enrolled in XXXX. They said they made a mistake and told me to resubmit my paperwork and they 'll take care of it. Something I sent along with my forms were documents from XXXX that they did not receive XXXX transcripts and if they did n't they would n't be able to use them because of loss of accreditation. This was about 4 months ago and I still have heard nothing from XXXX XXXX and after checking my account the balance is still there. This process has been nearly a year. I feel like I 'm being scammed by XXXX XXXX, should this take this long.
We had a car that was financed with XXXX  XXXX. We had an agreement to close loan and release the title for XXXX. They received the money and then got shut down by the government. They sold the loan ( which was closed in XX/XX/2018 XXXX to westlake protfolio management in XXXX. I received a notice that my loan payments will be due for XXXX and to send to them as they are the new loan servicer! 

I called and called and sent in the loan release letter from Honor finance stating that I had paid off the loan. They forward to legal and said please allow 7 to 10 biz days to clear. That was in XXXX! It is now mid XXXX. My loan is in default showing repo status ( ont heir file and credit report ). I have called on about 30 occasions and they blow me off. Call center tells me that legal is looking at it. 

ONE person gave me the number to a guy in the legal dept. He talked to me 2x and now just ignores my calls and does not respond to email! 

I WANT THIS CLEARED UP. The car is gone ( insurance has it ) the loan is showing in default and it is affecting my ability to get another loan and my score!! I couldnt close on my home loan since I was in REPO status!! This is beyond rediculous and frustrating! 

Please help
This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from XXXX from XX/XX/XXXX and I believe I stop paying into XX/XX/XXXX. I was paying XXXX but they would not help me with a new plan that I could afford. 
I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. XXXX decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and XXXX should not have sold this to them. I did my research and XXXX was being held responsible for selling loans they should n't sold. I was more than willing to work with XXXX and I have letters to prove my struggle with XXXX. I have always had a high credit score before needing a operations. I even was able to work with ( XXXX XXXX ) which I understand is one of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. 
XXXX Account Removed From Report Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXX was removed from your credit report.
XXXX XXXX XXXX XXXX places a lien on me in XX/XX/XXXX for taxes not filed.After doing the taxes for years XX/XX/XXXX-XX/XX/XXXX they owed me a refund for every year. Im asking that the credit bureaus remove this information from my credit report.It is reported as paid which it never was they owed me.l did get XXXX XXXX to write a letter stating this but the credit bureaus dont recognize this as suffficient.Ive disputed this action to Yea of course avail. Im asking that this lien be removed.
They left a message for me and for my mother stating they were calling regarding a complaint that was going to be filed against me XXXX. They are a collection agency and this is wrong.
Original Creditor XXXX 
Open Date XXXX XXXX, XXXX Balance {$450.00} Collection Debt {$450.00} Original Creditor XXXX XXXX Open Date XXXX XXXX, XXXX Balance {$840.00} Collection Debt {$840.00} XXXX Open Date XXXX XXXX, XXXX Balance - XXXX Collection Debt XXXX XXXX XXXX XXXX Account Type Installment Balance - Original Balance {$3100.00} Payment Status Negative I have no acknowledgement of these accounts and would like them removed from my credit report. I have disputed them with the Federal Trade Commission and they have not satisfied me with their response on these accounts. I am filing a complaint to get these accounts that I have no knowledge of opening them removed from all XXXX credit bureau. Thanks if you can help me.
Last year on XX/XX/2017 I got a XXXX XXXX XXXX at this restaurant called XXXX XXXX, located in XXXX, MD, XXXX. Before ordering I made aware to the manager and the server about my XXXX XXXX XXXX. I ordered a steak dish to prevent any cross contamination. Unfortunately, I got a XXXX XXXX XXXX on which I ended up in the hospital, missing days at work because of this issue. Before taking me to the hospital in the ambulance, my family talked to the manager about, their terrible mistake how dangerous that could ended up. The manager explained to us that their insurance was going to take care of all the medical expenses. Its been more than a year and the collection agency keeps calling me every single day to collect this debt that has also affected my credit score and other things because this debt cant be paid. I have taken all the medical bills since day 1 to the restaurant and brought to the manager 's attention but nothing has been done. I want to know how can you help me solve this. Thank you
XX/XX/XXXX i was apartment searching and i was denied for a property because they told me i had an eviction after trying to explain it was n't me i still got denied they then told me on my XXXX report it was reporting two different but similar names : also address that do not belong to me after getting my credit report i then seen in fact what was told to was true. i then contacted transunion sent proper identification drivers license, social security card to prove in fact that was not me. i was assured that it was removed. Im apartment searching again just out of curiosity i log in an what do i see again that same name and address that i thought were removed around XX/XX/XXXX. This false inaccurate information hurts me from living where i choose to live, and damages my name. i need it off my report for good this time as they promised in XX/XX/XXXX.
THE PROBLEM WITH FIRST NATIONAL BANK OF OMAHA STARTED IN THE MONTH OF XXXX XXXX AFTER MY DIRECT DEPOSIT FROM XXXX THE ALLOTTMENT IN THE AMOUNT OF {$200.00} INTO ACCT NO XXXX ROUTING NO XXXX STARTED OFF AS A NORMAL TRANSACTION BUT THAT WAS SHORT LIVED IN EXACTLY 24 DAYS MY PROBLEMS BEGAN .SOME ONES INFINITE WISDOM DECIDED TO DEPOSIT AND ELECTRONIC DEPOSIT FROM XXXX XXXX XXXX XXXX E/FILES REFUND DISBURSEMENT INTO MY ACCOUNT XXXX ROUTING NO XXXX IN THE AMOUNT OF {$5700.00} EVEN THOUGH THEY KNEW THIS NAME OF THE IRS REFUND WAS NOT MY NAME THEY DEPOSITED THE FUNDS ANY WAY THEY PROCEEDED TO FREEZE MY ACCOUNT RATHER THAN RETURN THE FUNDS TO THE IRS OR XXXX XXXX TO HAVE THESE FUNDS RETURNED TO CORRECT ACCOUNT HOLDER.I AM UNABLE TO PAYBILLS THAT HAVE BEEN OUTSTANDING SINCE XXXX XXXX XXXX THEY REFUSE TO ANYTHING TO CORRECT THE PROBLEM.I HAVE CALLED CUSTOMER CARE FOR THE LAST MONTH NO SUCCESS EVERY ONE TWIDDLING THEIR THUMBS I AM ALL TALKED OUT
A rental eviction was paid XX/XX/2013 into the XXXX County Courts in XXXX, GA. The landlord received money from the courts for the same amount collection agency is trying to collect for old landlord on. Collection agency knowingly and fraudulently knew they could n't collect on this account since tenant has no contract with this agency and landlord already been paid by the courts. Collection agency been told that had no right to collect.
I will make this short. I took out a loan to rid myself of debt. XXXX XXXX XXXX issued the checks for payees. After over a month I was told the check cleared. The check did not clear to the correct payee. Somehow Barclay Bank cashed the check. As you will see on the back of the check Barclays. 
Called Barclays Bank was told the do not see Any check for $ XXXX-Also they have no real way to check this. In todays world no way to check for a check! Wow I need help the check cleared ( Ihave the proof ) I have been to XXXX Hospital 2 times in less than 30 days. This whole thing is stressful!! I take my credit very serious so when Barclays keep they have no way of check this extremely disturbing. I can not longer handle this my XXXX hurts!! 
Hospital visits can b proved!! No more stress get it together.Barclays
On XX/XX/2018, I XXXX XXXX contacted Customer Support via email ( XXXX ) and phone ( XXXX ) and spoke to Mrs. XXXX XXXX requesting information in regards to a debt owed to XXXX XXXX XXXX XXXX . Mrs XXXX was unable to provide me with specific contact information, so I request to speak to a supervisor in hope that he/she would be able to assist me further. After a brief hold, I was than transferred to supervisor XXXX XXXX. Once Mr. XXXX and I had a mutual understanding of the topic at hand, we proceeded with the issue. 

I informed Mr. XXXX that a payment plan was in place with XXXX XXXX XXXX XXXX, but after my payment made on XX/XX/2018 I was unable to access or make any further payments on the account. I also informed Mr.XXXX, that I did not receive any information or notification that the account would be transferred to Carter-Young for collections and was unable to continue to make payments as a result of not being provided the necessary account information. Before Carter -Young attempted to contact me or provide me with the necessary account information, the debt was reported and filed on my personal credit report.Mr. XXXX than informed me that Carter-Young has only had the account for 20 days as of XX/XX/2018 and that the failure of Carter-Young to provide me with the necessary information for the collection account is not his problem. I sternly requested that Carter-Young delete the reported collections off of my credit report due to their failure, but Mr. XXXX acknowledged his ability to delete the collection report but refused to except my request. After a few minutes of my continued failed attempts, Mr. XXXX became rude and began to speak over me and threatened to hang the phone up. I informed Mr. XXXX that hanging the phone up would become an issue and can result in legal matters as addressed in The Fair Debt Collection Practices Act. Mr. XXXX continued to be rude and said anything legal has to been sent in writing. I informed Mr. XXXX that it was not a threat numerous amount of times and insisted on resolving the collections issue. I informed Mr. XXXX that I am more than willing to pay the full debt within the next three months multiple times, but Mr. XXXX continued to speak over and eventually hung up the phone before the conversation ended. 

I called Cater-Young 's Customer Support line and spoke to Mrs. XXXX again asking for the call to be transferred back to Mr. XXXX 's line. She me informed that he was unavailable, but she could send me to his voicemail. Once transferred, I left a voicemail requesting his contact information and informing him that he should be receiving a written letter in the mail. I than called Cater-Young 's Customer Support line and spoke to Mrs. XXXX again asking for specific contact information. Mrs. XXXX provided me with the requested contact information, I thanked her for her help and the conversation ended. 

I would like to exercise my rights because acting overtly disrespectful as a debt collector is unexceptionable and unprofessional, especially when the consumer is welling to resolve the issue..
This reporting service claims to fix errors on my report but they never reflect the corrected version ( s ). The first page of their mailing ( s ), state the correction is made but if you look at the actual report in the same mailing, it does not reflect the correction. 

Personally, I do n't think they have a clue as I have called them over five times about the same issues. 

XXXX advised me to be careful of giving these people any information. 

Also, I fax identification documents, police reports, etc..because of identity theft. They state they do n't have the documents I sent and then all of a sudden, out of nowhere, they find them. 

They are supposed to give me a " Legislative Security Freeze '' but my reports list a " general freeze ''. This allows them to illegally charge me for future lifts of my freeze. 

Because of these tactics they are direct violation of the Fair Credit Reporting Act.
I borrowed {$62000.00} in XXXX my mortgage company is Ocwen. I sold the condo XX/XX/XXXX. I just received the final payment for {$65.00} taxes, I don't even know? 
I borrowed {$62000.00} and just paid the loan off of {$58000.00}. I made the payment of {$440.00} for 13 years and 10 months. I feel XXXX financially. Please help me if you can. Financially XXXX. 
Thank you, XXXX XXXX XXXX