WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion is reporting I have a bankruptcy in Ohio, which I do not have. I initially was going to file a joint bankruptcy with my husband, but after consultation with my attorney, I withdrew my name from that bankruptcy. I have submitted documentation from the Law firm handling my husbands bankruptcy stating that I am not a part of his bankruptcy. This is causing me significant financial harm and personal grief. The law say 's, " Upon a bankruptcy, the creditor may look to the other spouse for payment, unless the bankruptcy case is under Chapter XXXX. If the debt is a consumer debt to be paid 100 % through the Chapter XXXX plan, the co-debtor is protected by the co-debtor stay in XXXX. '' Document attached.
I 'm the victim of identity fraud. Since  XXXX   XXXX  ( and prior to that  XXXX  of  XXXX  ) I have been battling to have the   XXXX   XXXX   charge for {$1400.00} and change, removed from my credit file. It is the last account showing 'deragatory ' since this whole debacle sta rted. Southwest Credit ( who  the account is in collections with ) and the bureaus have both been contacted in writing several times. Phone calls and letters go ignored. On my report it states that although the consumer ( me ) flagged that charge it still falls under the FCRA. It was opened under  XXXX   XXXX . I would never open an account under a nickname and I 've never had   XXXX   as a service in my life. Now I 've missed out on purchasing my dream home as my credit is in the  XXXX . Interestingly, only the reports pulled by the mortgage company show these scores.  XXXX   XXXX  still has me in the  XXXX  range where I 've been all my life. PLEASE fix this!
Can you tell me why this is still being reported as a 'collection ' when this debt was included in my bankruptcy filing? ( See below ). 
Reporting this as 'collections ' is a collections attempt which I believe is illegal if it was included in a bankruptcy. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX, 2010 Open - Collection/Charge-Off Open - Included in Chapter XXXX No Missed Payments {$9300.00}
I have tried numerous times trying to contact this collection agency Commonwealth Financial. This company has placed 2 medical debts on my credit reports that do not belong to me. I previously disputed these same accounts and completed a fraud affidavit. The accounts were removed and now this collection agency has placed them back on there.
Barclay 's Bank closed my Barclay 's Arrivals XXXX for unknown reasons. As a result of the closure, my accumulated rewards equivalent to {$140.00} was forfeited. 

I would like to note that at no point was my account past due or delinquent, and I have paid my bill on time each month, every month. 

I believe it is borderline fraduelent that Barclays advertises a Rewards program that gives 2.2 % back, but can also close an account for unknown reasons and confiscate accrued, but not redeemed rewards. 
I am requesting reimbursement in the amount of {$140.00}, for the amount of rewards that was forfeited.
We pulled our credit report today and sa w Portfolio Recovery excessively pulled my credit report. A collection agency may only pull the credit one time a month. Portfolio recovery pulled my credit 6 time s in  XXXX    XXXX   sometimes just days apart damaging my credit. There have been other months they have pulled my credit more than once.     There have been harrassing phone calls to myself and wife for years sometimes multiple times a day despite us telling them to cease. They have called us during work hours on our cells phones causing problems and embarrassment at our places of employment.
A loan company by the name of ACS mailed me a letter stating I owed almost 5,000 dollars in student loans to XXXX XXXX XXXX. I have attended classes there but have taken only XXXX XXXX loans which I have paid for. Up until recently I have not gotten notifications of said 5,000 dollar loan and I have not applied to said loan. I looked up Acs and I saw that it was a fraud debt collector and would like to report.
I received a promotional mailer from M & T Bank stating that if I opened an EZChoice Checking Account with a minimum monthly direct deposit of at least {$100.00}, I would receive a {$150.00} bonus within 90 days of account opening. I opened my account on XXXX/XXXX/2015 with a {$100.00} initial deposit and subsequent {$50.00} weekly direct deposits. 90 days came and went with no {$150.00} bonus. I reached out to the XXXX ( Delaware ) XXXX to speak with XXXX XXXX, who originally opened my account. She claims I am not entitled to the bonus, because it had to be {$100.00} weekly direct deposits. When I opened the account in XX/XX/XXXX, I told XXXX XXXX I was going to make {$50.00} weekly direct deposits. She said nothing to the contrary. This is false advertising, plain and simple.
On or about XX/XX/XXXX I wrote certified letters petitioning XXXX, Experian and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX The XXXX XXXX XXXX XXXX  XXXX Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Transunion : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me
My personal information was stolen according to a letter from the Equifax and XXXX XXXX XXXX XXXX. Because these two companies had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
XX/XX/XXXX- For years I have cashed my Social Security XXXX check at XXXX at XXXX &  XXXX , XXXX , XXXX. The clerk advised their system has declined my check but could not give reason why? 
XX/XX/XXXX- Contacted Social Security Office XXXX , advised rep my check has been declined and is my check valid to cash? Rep advised my check is fine but they have no idea why it would be declined! 
XX/XX/XXXX- Tried new venue, just in case XXXX XXXX check system was broken. 
XXXX 's XXXX on XXXX & XXXX, XXXX NE. Clerk advised my check was declined but this time given receipt to call company Certegy Check Services Inc.. XXXX. XXXX XXXX, XXXX, XXXX, XXXX and clerk advised company will fix my problem. 
XX/XX/XXXX- Telephoned Certegy Check Services but was only automated and required my SSN #, Driver 's license #, address, and confirm my phone number. No option to ask what this company is and became scared and hung-up! 
XX/XX/XXXX- Went back to XXXX in XXXX again to request reason why my check declined, so clerk processed check and system declined check. Clerk could not give any information but this time given receipt to Certegy Check Services at XXXX. Looked up company on internet and got a telephone # of XXXX, Got thru to rep and had to give my driver 's license #, social security #, address and transaction # and banking routing number and check number. Rep found my transaction and began tell me the company uses several factors to advise merchants on transactions on what checks to honor or cash. My transaction is considered a High RISK FACTOR! I advised rep my check is a Social Security XXXX check and why is it a risk factor it is a government check. Rep could give reason for that is not job and that all the information she could give me, Requested from Certegy Card Services to send formal letter to my home explaining everything she just told me. Rep took my address and said she will send letter. Also requested any information given by me will not be given to any other company or used for any other company. Rep said that Certegy Card Services do not give information to any other company. Also requested reference number for this call gave caller ID # of XXXX. Also asked several times that this call is being recorded to make sure my information will not be given or sold. Rep verified call being recorded and will send my formal letter. 
XX/XX/XXXX Called Social Security XXXX Office and asked again is my check good! Told my check is fine. 
XX/XX/XXXX Call U.S. Treasury XXXX, To verify my check is good and to verify my waiver to receive check still valid. Everything is fine. 
XX/XX/XXXX- Have no money for my XXXX and I. I am becoming overwhelmed with stress and can not pay my rent, bills or get food. My health is becoming XX/XX/XXXX XXXX  and causing undue hardship in my household. I need help as soon as Possible.
I am writing to dispute a billing error in the amount of {$600.00} on my account. The amount is inaccurate because merchandise was returned. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
I sent United Revenue Corp a certified letter requesting they correct and verify 5 accounts they are reporting to XXXX credit bureau. First these accounts are duplicates and they are two accounts that are reporting as 5 separate accounts. Second, I requested they verify all information on accounts as the balance, the date of first delinquency, date closed, and date opened didn't match my records. Per the Texas Finance Code 392 they were to correct or delete from my credit reports. As of today they have done neither and continue to report incorrectly effecting my ability to get financing. Per my attorney all communication needs to be made via email or certified mail. On XX/XX/2018, United Revenue Corp sent me a generic letter with no information at all. I have forwarded to my attorney. I am requesting they delete all 5 accounts immediately from my credit reports. United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$940.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} United Revenue Corp XXXX {$1200.00} Additionally on XX/XX/2018 I filed a XXXX compliant in attempts to received a resolution and United Revenue Corp failed to respond.
Money order in the sum of {$1000.00} dated XX/XX/2016, mailed in the XXXX ( New York ) found to be stolen and cashed at the XXXXXXXX XXXX of XXXX with no legible sender and recipient. 
All efforts to have it refunded proved futile and looks XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX on XXXX XXXX XXXX, XXXX NY XXXX with the contact XXXX XXXX XXXX not capable of refunding the money for onward payment to the XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX NY XXXX.
I get paid on the XXXX. 
yesterday my account had a check for XXXX, and it caused my account to overdraft. 
I got paid, still the check bouced, and I am going to be penalized because of the bank, over 80 in overdraft fees. One by the bank, other by the company that deposite the electronic transfer. 

I was abligated to open a new account due to concerns about identity theft, but it was handled badly, and y new account have no protection for overdraft. The bank did not rstore the services under a new account number, hense the This is the second time this happens, Additionally,
I have sent police reports and text messages t o Capital One explaining  the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.
Midland Credit Management has been calling me since last year regarding an account I had with XXXX XXXX XXXX XXXX . I 'm trying to purchase a house next year and want to straighten my credit out so I decided to make an agreement. I originally agreed to make 3 payments of {$590.00} to settle the account. After the 2nd payment was made I did some research, called Midland and told them to cease anymore withdrawals from my account. I called XXXX on XXXX XXXX and Paid {$30.00} to stop the payment just in case they tried to take my money. After doing some extensive research I found over XXXX complaints about this company and their bad practices. I called them up and they stated to me " Your account is closed and we will cease reporting ''. I then asked why would they not report that I paid them so that this will show the bureaus that I 've settled the account and he had no answer. I then called XXXX and they stated that I am listed in good standing with that old account, which does do n't show up as derogatory. They also told me that Midland is n't even on my report. I then pulled all XXXX credit reports and Midland is nowhere to be found, which means the 2 previous payments were not updated with the credit bureaus. They basically conned me out of {$1700.00} that I really could not afford. The last payment that I asked them not to take out caused my account to go into the negative. This company has been fined for over XXXX dollars due to their bad practices and taking advantage of people. I would like to get my money back if possible.
I have reach out to Equifax and XXXX, on several occasions about XXXX XXXX reporting on my credit and they not authorized to do so, university of XXXX is the original debtor, i received a call from the Vice President XXXX XXXX, of the original debt on XX/XX/2018 he told me he had great news that he advised XXXX to not report on my credit any more and to send my file back to the college and DO NOT CONTACT Me, are update my credit again, and Equifax and XXXX was sent proof from the original debtor that they approved my appeal to remove this Tradelines from my creditor and instead they violating the M2 compliance law with out proof that this debt is valid to continue on reporting it on my file damaging my credit causing stress to me for no reason..
XXXX XXXX continued attempting to charge my account after the policy was cancelled. Then the balance was turned over to Credit Collection service XXXX File XXXX. I contact XXXX XXXX and received confirmation of the error. I also contacted the collection co by emailFrom : XXXXXXXXXXXX : XXXXXXXXXXXX : RE : XXXX XXXX Recurring Charge DeclinedDate : Tue, XXXX XXXX 2015 XXXXYou are correct, I apologize for the error and have sent this to processing to hopefully stop the emails from coming in! 

Best regards, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Letters regarding inquiries found on my credit were submitted TransUnion on  XXXX , and   XXXX   on  XXXX . Transunion refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from  XXXX  nor an update.
I requested validation from XXXX XXXX as I have a right to do so under the FCRA. Three letters have been sent as required for VALIDATION not verification. The debt amount showing on my report {$420.00} was removed between XX/XX/XXXX-XX/XX/XXXX but was reinstated without a 5 day written notice which is also violation of my consumer rights. I have not received the original contract showing my signature. This needs to be removed immediately from all 3 credit bureaus. A bill is not VALIDATION.
today, XX/XX/2018 my banks accounts were levied by XXXX XXXX XXXX. I spoke with many people who would not give me any information. This was addressed a long time ago. I do not recall when. I had my credit cleaned of any outstanding debts years ago. I pulled my credit and this was never on it. anyway, I spoke with XXXX XXXX and said to her this is not right. she said " the burden of proof is on me ''. My husband spoke to someone a couple months ago asking for money. he said send us the proof. we never received anything. I also spoke with XXXX XXXX who gave me a hard time giving me a physical address. he finally did I asked for a supervisors/manager name and he told me there really is no one to address it to.i have a levy for XXXX in which the held approx. XXXX. I have bills going to bounce. this my money. I have children to support. I worked hard to pay my bills. this is fraud. please help me get my money back. there address is XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX phone number XXXX my name is XXXX XXXX XXXX
XX/XX/2017-Refinanced higher interest loans while leaving lower interest loans by using XXXX for the total amount of {$190000.00}. 
Navient incorrectly received and allocated funds to loans that were paid by XXXX. 

After 2 months of reaching out to Navient to correctly allocate payments, Navient finally allocated the missing {$25000.00} of payments from XXXX to the correct loans. 

However, in doing so, Navient has now increased the principal amounts of other loans that were not refinanced by almost the same amount, {$24000.00}. Existing loans that were not part of the refinance now have incorrect principal amounts greater than the original amounts. This is a clear and blatant action from Navient to falsely alter other loan balances. I have proof of all loan balances before and after Navient 's adjustment that were illegally changed without my approval or knowledge. 

Navient continues to refuse my claims of improper payment allocations and refuse to accept any evidence to support my claims. I have taken screenshots, printed PDF copies of all my loans during the refinance process.
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.
I contacted Capital One first I put my last  4  of my acct in collections in and got connected to  XXXX . I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, Capital One does so I would have to call them and they gave me the number. I then called, Capital One back, spoke with the  1st r ep which said they would help then connected to the second rep in collections and I requested what I told the rep with  XXXX  a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.
I have a Macy 's store credit card, and typically pay off the balance in full. I have n't carried a balance on the credit card in months, but in XXXX started receiving $ XXXX monthly charges on a {$0.00} balance, with paper statements sent sporadically / not on a monthly basis. Since it takes so long to reach a live agent on the phone ( 20-50 minutes ) I typically paid off the {$2.00} interest charge every month, and imagine a lot of other customers are doing the same. In XXXX of XXXX my Macy 's credit limit decreased from {$1200.00} to {$300.00} with no explanation and no notice, causing my credit score to dip slightly. In XXXX of XXXX my credit report showed that Macy 's closed my credit card account entirely, again with no notice or explanation. My credit score fell again. I called Macy 's and spoke with an agent who apologized and said there was a glitch in the system, offering to re-open my account. I declined and asked that my account remain closed. The agent said that if I wanted to discuss credit report issues I would need to call the credit reporting department. I called that department and was on hold for 35 minutes, then decided the few lost points on my credit score were n't worth the time and hung up. In XXXX I again began receiving sporadic paper statements, each for {$2.00}. I paid off a couple of months and tried reaching a representative to figure out why I was being charged on a closed account. In XXXX of XXXX I was assured that I would no longer receive monthly bills on a {$0.00} balance, and that my account is closed. Today, XXXX XXXX XXXX, my credit report shows 3 late payments, all from Macy 's, on a supposedly closed account. To date, Macy 's caused my credit score to drop more than 40 points. I called Macy 's and spoke with a representative who again apologized and removed the {$2.00} charge for the last 3 months and informed me that I can discuss credit report issues with their credit reporting department, which works different hours. I asked for the status of my account and was told it 's in " Hold '' status due to the remaining balance. I asked the representative to close my account. After a few minutes, she said she could not close it because it 's " showing up as already closed ''.
I 'm frustrated and angry that Macy 's is getting away with this, and am shocked this has n't yet resulted in a class action lawsuit. The shady business practices started ( at least for me ) around the same time that Macy 's reported financial struggles -- closing down stores and letting go of employees -- but stealing from consumers is not the way to stay afloat. Many people are having this experience with Macy 's : XXXX XXXX XXXX
My understanding is that medical bills can not affect my credit score. This is a medical bill from my XXXX XXXX XXXX
I have contacted Navient many times about reducing the low income plan due to my fixed income. They have the reduction for two or three months, which I disagreed with the offer. They stated, " They do not have low income at that time for long term. '' I told them, " I need a permanent plan according to my income. '' I looked around, they did a forbearance on the loan. I like to pay on the loan according to my income. This is my second complaint regarding the loan. Also, Navient overcharging late fees.