WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of fraud and was notified about accounts being opened with my information. I contacted the companies to get the matter resolved and Wells Fargo is still saying that the bill is mine. I filed a police report for identity theft and sent the information to all the credit bureaus. I have been unsuccessful in speaking with Wells Fargo and all I would like for the account to be removed.
There is an extended fraud alert on my account ; I am entitled to XXXX free credit reports. Transunion 's online site shows that my fraud alert is active through 2022. The link to request a free fraud alert credit report takes me to a page that calculates the price as {$8.00}. This report should be free. There appears to be no way to order the free fraud alert credit report online, or through the interactive voice response system. With considerable difficulty, I was able to reach a human being and order the report after waiting on hold for a large fraction of an hour. 

I would like Transunion to fix this defect on their site. The desired outcome is for fraud alert credit reports to be provided free of charge, through a link that is readily discoverable from the Transunion home page. 

I am attaching a PDF showing the fraud alert screen and the non-free order page. It appears that logic intended to discount purchased credit reports in California is taking precedence over logic that provides free fraud alert credit reports.
Went shopping at the XXXX/XXXX XXXX XXXX  store in XXXX Wa at the mall on XX/XX/2018. I was talked into getting a credit card for a percentage off of my purchase. I received my bill for {$250.00} sometime in XX/XX/XXXX. I went into the store to pay off bill before due date and wrote a check for {$250.00} addressed to XXXX on check number XXXX on XX/XX/2018. I received a bill in the mail in late XX/XX/XXXX saying I had a late fee. I called XXXX credit card and explained that I had payed it. They turned me into the XXXX XXXX  collections. I have been in contact with them many times. I have sent them a copy of the front and back of my check. I have told them that my bank has said that the check went through and was cashed. They told me it can take 6 months to look into. My annual credit report is now affected. I am only asking that they dismiss the charges since the bill was already paid. This will of course fix my credit. I am upset that they keep calling me and sending me bills even though I am disputing. It feels like harassment. I was happy to send them a copy of the check front and back but they have requested it sent again because they complained that the back was smeared which I had nothing to do with, They requested a receipt from my in store payment which I did not keep and have let them know. I feel like I have been ignored by them. Instead of working with me they are dragging this out.
I communicated with 4 employees at Experian because I have a Credit Check account through XXXX. I got divorced and my last name changed, which is changed at XXXX but not on my Credit Check account. I called simply to change my name and provide whatever is needed in terms of documentation. 
Employees were not aware of relationship with XXXX, could not locate my account and did not offer or provide any method for me to correct my name on my account.
On XX/XX/2018 XXXX XXXX card company received my XXXX compensation check from the Veterans Affairs Administration and have yet to send the check back or offer a better solution so that I may receive funds. It has put me in a hardship and i risk losing my home and vehicle as they have not yet sent the check back to Veterans Affairs, I desperately need my money and do not understand why they have not send it back yet. It has put me in a terrible hardship. Can someone please help. The check is a little over {$3200.00}. I have called them once last week and once today which is XX/XX/2018.
1. I am making payments on my mortgage every 2 weeks before the payment is due and the bank is not reducing the principal until the second payment is reached. 
2. I contacted the bank and they say they do not apply partial payments, however the payment is being paid before the due date 3. I spoke with XXXX XXXX says I do n't have to pay that way if I do n't like it
Chase is inaccurately reporting on 2 accounts on my credit reports for XXXX, XXXX and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.
Convergent Outsourcing has placed a collection on my credit report. They are stating that the date of last activity as XX/XX/XXXX, AND the date of the collection as XXXX. Neither of these dates are correct! This account XXXX went into collections at minimum 6 years ago, approximately XX/XX/XXXX, and there has been no activity on this debt since that time! They are not reporting the correct dates.
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by XXXX, Transunion, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.
CONVERGENT OUTSOURCING, INC. Has put an " open '' collections on my XXXX credit report. This is a OLD Collections account which was originally from XX/XX/XXXX and was and is a " REMOVED COLLECTION '' as of XX/XX/XXXX. 
XXXX XXXX XXXX {$530.00} this is the removal info on my credit report. now this company CONVERGENT OUTSOURCING, INC. has illegally changed the OPEN date on this same old account from XX/XX/XXXX to XX/XX/XXXX and last reported on XX/XX/XXXX. this is a debt buyer company and have SEVERAL Complaints against them.. they have " PARKED '' as they say this old Removed Collection account on my report. and its only showing on my XXXX report as I believe its harder to get items disputed removed. I just checked my full free credit report last week and this collection was not on there!
Medical Data Systems has continously placed collections accounts on my credit report between the XX/XX/XXXX and XX/XX/XXXX.  On several different occassions I have disputed the charges because of errors in billing by XXXX XXXX and the accounts being sent to collections before the federally regualted 120 days. On several occassions the results ofnthe disputes have requried that Medical Data Systems remove the collections accounts. The accounts are then removed but after few months the accounts are added but the origianl creditor has been changed from XXXX XXXX to XXXX XXXX. I have contactd XXXX XXXX and they have confirmed that no balance is due at this time. In addition to the disputes, several of the accounts have been paid in full to the original creditor and the legal owner of the collection accounts which is XXXX XXXX XXXX. For example one of those accounts is a medical bill with a balance of {$67.00}. This account balance was paid to XXXX XXXX via personal check and proof of verification was provided to Medical Data Systems but they still refused to remove the account as requested by XXXX. After speaking with XXXX on several occassions they stated that they were still the legal owner of the account and that the acocunt was sent to Medical Data Systems for collection purposes only. I then  contacted Medical Data Sytesm and requested that provide me documentation whichs states that they are allowed to post information on the three major consumer reports on behalf of XXXX and they refused to provide me any documentaion They then stated that no document existed and that they were contracted by XXXX to collect debts. 

I then inquired about validaiton of the debt and Medical Data Systems mailed me copies of my hopsitla bills with all my patient information including services provided by my medical provider. Under HIPPA Act of 1996 Regulations, XXXX XXXX was provided authorization and.or permission to have access to my perosnal medical information. Without my personal medical information Medial Data Systems would not be able to legally collect any balanced owed. They would also not be able to provide the needed information to get the debt paid.
where to begin with citimortgage home mortgage. first in 2012 i recieved a phone call from a citi employee that left me a voice mail an called me a XXXX. i kept that voicemaile up until this year. then we were doing what we thought was a harp refinance but citi called it hamp. we had to pay XXXX dollars to start this.plus we were never told through the whole 9 months of this hamp refi that they were reporting to the credit bureaus missed payments for 11 months which killed our credit. ive been through heck with this company for years i cant get away from them for all the credit damage they did.
I as victim of both burglary and stolen funds from CapitalOne bank account continue to ask my stolen funds to be back. And suspect XXXX XXXX should get prosecuted to jail. 
Acct : # XXXX Amount : {$79000.00} Interest : 20 % Late fee : {$100.00} each month for 3 years = {$3600.00} Travel Expense : {$120.00} Time spent to collect funds : XXXX hours @ $ XXXX/per hour = {$5000.00}
Homebridge contacted me about a missing payment in XXXX, at first they told me it was my XXXX XXXX payment, which i paid to them, then they contacted me again a week after and told me that it was my XXXX payment. At this point i started getting worried because I 've never experienced this kind of negligence before from a financial company. I gave them my bank statements from XXXX - XXXX XXXX. Then they contacted me again and finally said it was my XXXX XXXX payment. Mind you between XXXX XXXX and XXXX XXXX, I had gotten calls from them whenever i they have n't received a payment from me on XXXX of every month. And after making payment, they will tell me that my account is current. at no point in time between XXXX XXXX - XXXX XXXX did any one from their company called me to say i have n't made XXXX payment. And my statements reflects that. I sent to them all my Bank Statement showing that payment went out of my account. After almost one month of going back and forth with Homebridge, we finally found out that they didnt get the payment from Bill Pay. Whatever happened between Homebirdge and Billpay, I dont know because BillPay paid my other bills but not Homebridges '. If Homebridge had contacted me on time about this in XXXX, we wouldnt have this issue because we would have gotten to the bottom of it. I submitted all my bank statement which my bank statement reflected that the money was taken out. for some reason, they didnt want to honour that. Then in XXXX they reported that i was late in XXXX for 60days, XXXX, XXXX, XXXX and XXXX days. The question i have is how was i able to pay on time in APR, but then late again for the rest of the months? I did a dispute with XXXX and XXXX. XXXX removed their reporting because they found out that they were at fault. For some reason, after i talked to XXXX, they told me that they understand my plight ; however, they can only remove it only if Homebridge told them to. To me that sounds crazy given i thought credit bereau is suppose to be a middle man between me and the lender and look at the facts. I have all my bank statement ready to submit them thanks
TransUnion reported to a store application stated that I was dead or deceased. This is a scam to make me correct their stupidity, which I will not do. They are not intelligent nor correct. I got their letter dated : XX/XX/18 and the reason they give for my rejection of this card was : Your credit bureau report indicates you are deceased. 

I do not trust these people, and do not intend to do anything but report them to you for your investigation of them. Please assist me in getting this information out to the public, they must be a scam company out to make money off the public.
My insurance company  (   XXXX  of Arkansas  )  had an internal processing error, which resulted in my, and everyone else insured by this company, policies to not be renewed. These claims were denied due to this error. I eventually had the problem fixed and my policy was then renewed. These collections were inisiated due to no fault of my own. If they would resubmit them to my insurance company the debts  may  be paid. Thank you.
Continuous calls every day asking for someone who does not live here. Finally told them yesterday that I am so done with their calling. Stop calling and take this number off their list. No one here by that name. 

What I think they are doing is checking who ever this is they are looking for on some type of info sheet and calling so called relatives which is harrasement. They need to stop.
TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
XXXX XXXX XXXX ' located in XXXX, IL, representatives keep calling my place of employment when I 've asked them to remove my job phone number from their database. This debt was resolved before the company of which they are referencing went out of business. These collection agencies buy these lists for pennies, and try to make reckless collections. They are annoying and they need to be stopped. I looked at the BBB website and XXXX XXXX XXXX has 138 complaints for calling people 's place of employment unauthorized on top of being rude. They are calling my employer 's main number and asking to be transferred to my office. They should n't be able to practice unfair debt collection.
My wife, XXXX, and I have a joint mortgage with Wells Fargo ( WF ) ; the mortgage was formerly with XXXX and then XXXX. We have been paying the mortgage each month, but because of WF 's accounting process they refused to amend the payment date to coincide with XXXX 's payment date which is on the first of each month. WF insisted on maintaining the XXXX of each month as the mortgage due date which disadvantaged us, the borrowers, as our salary was paid on the XXXX of each month, and enabled WF to calculate whether the loan was past due or in default. Despite the fact that the mortgage was always paid each month, WF have applied erroneous late fees amounting to over {$5000.00} because the payment was not received on the XXXX of each month. .WF 's refusal to work with us has cost us XXXX dollars and negatively impacted our credit status. We are disputing the accounting process that WF is using in the " Customer Account Activity Statement : Loan # XXXX created on XXXX/XXXX/XXXX. 
Secondly we have made several attempts since XXXX to obtain a fixed rate mortgage for this loan. We have received conflicting information from a succession of " mortgage specialists '' employed by XXXX XXXX, XXXX and now WF. Clearly our mortgage loan was bundled into a mortgage security, used as collateral for a succession of bank mergers and acquisitions, to our detriment as the loan holders. 
We have been requesting detailed explanations from WF justifying the accrual of these late fees and WF have either failed to respond or given us unsatisfactory explanations.. 
We strongly feel that we have been treated unjustly and that our financial situation has been adversely impacted by WF 's ; lack of due diligence. Confirmation of this belief is evidenced by the recent decision of the City of XXXX CA to file suit against WF in federal court on behalf of WF customers, such as ourselves. 
We also applied for a loan modification ; we did not receive positive consideration from WF to assist us in keeping our home and modifying the loan payments. Subsequently since XXXX we have been periodically threatened with loan foreclosure, causing us considerable distress and negatively impacting our credit rating, despite the fact that we pay the mortgage faithfully each month, and we are both employed. 

We are requesting that ALL the so-called late fees totaling {$5300.00} as of XXXX/XXXX/XXXX be removed as a good faith gesture by WF since we are not delinquent mortgage payers and we are long term WF customers. On XXXX XXXX XXXX, under difficult financial circumstances and under threat of foreclosure we made a good faith effort to raise and pay {$5000.00} towards the late fees This should have paid off the late fees. Instead because of WF 's dishonest accounting gimmicks the late fees remain the same and so we are further disadvantaged. 
This late fee dispute is preventing us from converting our sub prime mortgage, XXXX the kind of mortgage condemned by XXXX XXXX as being responsible for the XXXX financial crisis ) to a fixed rate mortgage..
I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.
Dear XXXX. 
I offer them a XXXX payment on the account to have the account paid, and have my credit card report clear. 

Thanks for your time and attention XXXX XXXX
I have several inquiries on my credit report that I did not authorize. I have reached out to the credit bureaus and companies and no one will remove them. XX/XX/XXXX XXXX capital one XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The company said the inquiries were verified which can not correct as I did not apply at any of the companies.
Nelnet engaged in Predatory Loan Practices.

1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so 2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans
I received the following e-mail below stating that American Express Serve will closing my investigation of Fraud claim that being taking {$71.00} I would like to request a investigation of the business and ensure it being work according to United States Federal Regulation all misconduct and mismanagement found all individuals be convicted according to United States Federal LawPull Down to RefreshUpdated XXXX agoCurrent Important E-MailYour Serve Account : We have completed our investigation of your disputeAmericanExpress Serve Correspondence to youXXXX XXXXShow DetailsServeAccount ending in XXXXHi XXXX XXXX, We received your recent inquiry about the following transaction : Transaction DetailsDateXX/XX/2015Amount $ XXXXFrom/ToPDF-FILLER XXXX - XXXX , XXXXWe have completed our review and have determined that no credit is due. The transaction will remain on your account because : We have not received the requested information. Based on the information available to us we are unable to verify your claim and have closed our investigationIf you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX. 

Thanks, The American Express Serve Team
I was instructed to pay a vendor at the request of what I later found out was an imposter. My cashiers check of {$3600.00} went to a Chase bank account XXXX routing XXXX XXXX XXXX. My bank and Chase seem to have no interest in pursuing this
My husband and I are XXXX and we recently had an issue with our mortgage payment. While we had been overpaying our mortgage for the last 2 years, a change in the monthly escrow payment in XX/XX/XXXX resulted in an underpayment situation. While we were paying our mortgage payment each month, we were slightly off ( XXXX-XXXX USD ), and as a result our credit report now reflects two 30 day late payments. To be clear, we sent our mortgage payment each month, but because it was not the right amount TD Bank marked us as late until they received the next month 's payment to apply the additional {$20.00} needed. TD Bank sent notifications of the change in escrow, not to the right address. From talking to two separate TD Bank reps I understand in our account notes it shows a long history of returned mail since XX/XX/2016. Despite this mail being returned TD Bank did not call our telephone numbers on file or email us. Since initiating the dispute I looked at my account online and found I HAD updated our address online, but TD Bank required I send this request in formal writing. I did not see that request in my online account message board. 

In the attached paperwork you will see we requested TD Bank remove the two 30 day late records- based on the mail issue, the fact we were sending in payments on time, just the wrong amount, and our history of timely payments that were in fact over-payments, vice under. We also attached XXXX ( like XXXX ) explaining we are XXXX, which helps to explain why we were n't getting the mail. This is an important issue to us, as our credit scores had been XXXX, and now they have dropped significantly. 

Depite all this paper work TD Bank refused to remove the two 30 day late notices. I believe they should remove these notices as : we had updated our address online, but their system did not reflect same ; we had a positive overpayment history with this mortgage ; and TD Bank made NO EFFORT to contact us via the valid telephone numbers and email addresses online, dispite getting all correspondence returned to them. 
We appreciate your attention in this matter. Please advise if you need any other information from me. Regards, XXXX XXXX
According to the ECOA ( Equal Credit Opportunity Act ), I am a victim discrimination from ALLY. This company has been brought upon charges for illegal business practices and discrimination against minorities by " marking up '' or providing perspective clients higher than normal interest rates on vehicles. Although, my claim was submitted, I am still incurring high interest rates from ALLY. I also want to file a civil complaint against ALLY for this type of discrimination and I wish to file a complaint against XXXX XXXX XXXX, CA, who is the car dealership, that sought out the loan from ALLY.