WillisBack/dataset-financial-user-claim huggingface dataset:
Hello I have XXXX collections that do not belong on my credit report. Unverified accounts. The first collection is XXXX for {$2400.00} Account # XXXX. The second collection is XXXX Account # XXXX. The third account is XXXX for {$740.00} account # XXXX. I also sent a pay to deleted letter to XXXX and they accepted my offer and cashed the check agreeing to delete the account. I sent a copy the letter and check to TransUnion and they will not delete this account either even though I have sent in documents stating that the account is paid in full. These collections should not be reporting and I 'm asking or them to be removed.
Subsidized : XXXX Loan start date : XXXX Loan Amonut : XXXX XXXX XXXX : XXXX Estimated Payoff : XXXX : {$26000.00} 8 %
Let me start by saying clearly and plainly, we did not charge anything to this company and we have received nothing from this company. 
Now the story ; We had a Visa Signature credit card with Bank of America. When we received our XXXX statement we immediately call the bank about an unauthorized credit card purchase to someone called XXXX at XXXX. We called the company and received a text mail subscriber phone number ( which is a clear indication of a typical scammer telephone ). We left a message with this XXXX company and never heard back. We sent the company an email from the email address provided by the Bank of America and it was rejected as " ADDRESS NOT FOUND ''. 

Additionally we lodged a complaint with the credit card holder, Bank of America. On XXXX XXXX, we received a letter from Bank of America indicating our account was credited for the full {$220.00}. But on XXXX statement the charge reappeared. The bank claims they have a receipt that proves we charged it because it has our address on it. I 'm sorry but a simple XXXX search will show anyone our address. So that is n't proof at all. 

Additionally the receipt that Bank of America proved to us clearly shows the Shipping Address as " UnConfirmed ''. Obvious since we received no package from this XXXX company. 

We do not believe that we should be forced to pay for a credit charge that we did not authorize. And that the Bank of American or their associates does not have the right to come up with " bogus '' information to convince us to pay for their mistakes. 

We have all telephone calls with Bank of America recorded if you should need to listen to them. 

Also we should note that the credit card in question was replaced in XXXX for other fraudulent charges. 

It is our opinion that Bank of America is unwilling to assist us and intend to make us pay for their mistakes and inability to handle. I have attached a copy of the bogus receipt as well.
I started receiving a non itemized credit card bill from XXXX for a XXXX credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.
I called SunTrustin order to find out my balance and was told that I still have {$90.00} in my account. So i charged {$63.00} and incurred two overdraft fees because the {$90.00} was apparently incorrect.
could you help in this case?
thank you
We recently received a mortgage statement showing our escrow account increased by a little over {$460.00}. Which is over double what the current escrow payment amount was. We never received an analysis until we called and requested it ( which is attached ). We were previously in a bankruptcy, but were receiving other notifications from Nationstar through our attorney, such as interest rate changes due to our ARM loan. They are stating they sent one to our attorney and to us. However, this analysis is dated after the date of our bankruptcy discharge. We logged into our online account and there was also no analysis available. We called and realized that the reason for the increase was because they had not completed an analysis on our loan in years so the deficiency/shortage that is showing of over {$4500.00} is made up of years worth of items. We called Nationstar asking for previous years analysis and were transfer several times until the call was dropped after an hour of being on hold and/or transferred this happened twice. The third time after holding for almost an hour we were finally told that it is their policy that they do not preform an analysis unless the customer requests while they are in bankruptcy. There were new bankruptcy laws passed in 2011 to prevent this sort of action by lenders as well as RESPA law does not make an exception for bankruptcy loans. It just requires that the analysis be done at least annually. Due to their lack of compliance with laws we now have to figure out how to make a payment that is {$500.00} more than normal on a loan that is 12 years old and only had increase of disbursements of less than {$200.00}.
I believe this is the 4th complaint I 've filed with CFPB regarding this matter. My credit reports are still showing either fraud alerts, XXXX XXXX alerts, or both. I have gone through extensive measures to get these removed from my credit reports, included being bounced around from department-to-department, mailing in proof of my identification, letters, and CFPB complaints. 

For the nth time, I am not nor have I ever been on XXXX XXXX and I do not want any type of fraud monitoring or alerts on my credit reports. These have stopped me from opening new accounts. 

Please remove them.
On XX/XX//2015 a balance of {$9900.00} from XXXX XXXX XXXX XXXX. appeared on my transunion credit report.I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA place the burden upon the credit bureaus and creditors to provide the credit bureau a co [ y of the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.
Equifax did not send me an official Documented informational letter within the aloted time of XXXX days to actually verify that the state tax liens were in fact mine, but relied on some third party Vendor for their information, therefore the tax liens are not mine and should be Deleted immediately and perminiately from my credit files. Equifax have deleted other Unverified information on my credit reports but is determined to dictate what is reported in my credit fileXXXX though All information remains Unverified. Any and ALL incorrect UNVERIFIED information should not be in my credit files in the first place.
I am a victim of identity theft and have been working with Experian to correct fraudulent accounts. I submitted my police report, contacted XXXX XXXX XXXX XXXX who explained that I needed to contact Experian to remove the fraudulent account. 

Experian is currently reporting XXXX XXXX XXXX XXXX, which is a fraudulent account to my credit report. I have tried several times to resolve this issue and have been unsuccessful. 

I have asked Experian several time to verify the verification system which they are using, and they have failed to provide me with the information.
I recently got my credit report from Experian using the federal website to receive annual free credit reports from the XXXX agencies. While doing this I also chose to purchase a one time credit score from Experian, or so I thought. Now Experian is charging on a recurring basis for what appears to be credit monitoring, or at the least the ability to monitor my credit score and report. It was not clear from the website that I was purchasing a recurring service or that there would be a recurring fee for what I was selecting.
I called this am and was told for my account ending in XXXX I could get the XXXX transaction history DEPOSITS including the last 4 numbers of sending acct number, and person who sent it. I spent time at the branch no one can help me. I need to see all transaction info relating to deposits into acct asap I was told it should be showing but it is not please help
I went to XXXX XXXX XXXX XXXX in XX/XX/XXXX -3,1/2 yrs. ago! I was working for XXXX on Tropical Storm XXXX. I received a bill from Capio Partners collections agency XX/XX/XXXX. I did not remember the emergency room visit at the XXXX XXXX and did not pay it. When I checked with my insurance company they verified it and I finally remembered it. I paid the bill although I am not sure it is legitimate because the Hospital never billed me directly. Capio paid the Center {$65.00} telling them Capio would collect from me. That is the amount I normally pay for a specialist office visit co-pay. I do not know if I actually owed the XXXX XXXX anything. Capio went ahead and reported late payment to the credit reporting agencies and now it is on my record. I want that removed from my record and since the hospital never billed me, I want to be re-imbursed. I think the charges are bogus charges made up by Capio to get money -- especially from seniors.
I have been a customer with PayPal for a year. I signed up for PayPal to sale goods on XXXX. In XXXX of XXXX I sold approximately {$1800.00} worth of merchandise on XXXX. The money was placed on temporary hold until customers received their items. I sold an XXXX, XXXX, XXXX XXXX. The money for the items were released. I deposited the money into my bank account. PayPal reversed the payments and limited my account for additional information. I submitted identity verification, proof the items were delivered and receipts for the items. However, PayPal stated that it was risky and that {$1100.00} would be on hold for 180 days. Despite the customers stating everything was satisfactory with their items I sold them. I was evicted from my apartment and was told not to submit anymore request for my money. I am currently residing in a homeless shelter and only have access to my email. PayPal only claims they are holding my money to protect against chargebacks and that me selling my items below market value is a sign of risk. However, I have sold nothing but electronic items on XXXX with no issues. I sold them at a price that customers would buy them and what other sellers were selling them for.
Social security benefits of XXXX and PNC is stilling and holding my money. I have spoken to PNC Bank about it and I'm closing the account PNC is to refuse my social security check and deposits this account is hear by closed
On XX/XX/2018, my check/debit card numbers were used fraudulently to make a purchase in New York State. The merchant was # XXXX XXXX, and the amount was {$150.00}. I did not authorize this transaction, nor did I make this transaction. I was not in NY State. I was in XXXX, MI, attending an orientation for work. 

I found the fraudulent activity on my account on XX/XX/2018, due to a text alert I get on my phone telling me my daily balance. My account was overdrawn, and it should not have been, since I had {$55.00} in my account as of XX/XX/2018. I then logged in and saw the fraudulent charge. 

At this point, I immediately contacted my bank to have them cancel the card numbers, and to report the fraudulent activity. The representitive in TCF 's Fraud Department, XXXX, was very rude to me and refused to give me a provisional credit and reverse any fees. Speaking with his manager ( I believe XXXX ) proved futile, as he said there was nothing that could be done until an investigation was done. 

I called TCF 's Fraud Department on XX/XX/2018, and was told my fraud claim was denied. The NSF fees have now piled up, costing an additional {$330.00}. He said the claim was denied because other transactions had occurred around the time of the fraud, and therefore the activity was not fraudulent. 

TCF Bank 's fraud department is willfully and intentionally refusing to acknowledge the following : 1. Pending transactions may clear in a different order than they were executed. The following is from TCF 's web site : " Transactions may not be posted in the order in which they occurred. '' 2. I was not in New York State on the day of XX/XX/2018, when the transaction was made. 

3. Credit card numbers can be stored at online merchants and be used concurrently with unauthorized transaction. My buying something online at the same time someone uses my card numbers fraudulently does not prove that fraud has not occurred. 

I am asking for my funds to be recovered to my checking account : {$150.00} plus {$330.00}, for a total of {$480.00}.
AFNI Inc is attempting to collect a debt on me which I do not owe. I have sent them a notarized affidavit of denial on the XX/XX/XXXX this year. They have not responded to my notarized affidavit which I sent to them by way of certified mail in response to their claim. I have filed an identity theft report as well in efforts to have this account removed. Nothing has worked and they have not sent me anything in the mail stating their position on their claim against me. This company is affecting my credit score tremendously with this fraudulent account. Please contact AFNI on my behalf so that they may properly conduct business and remove this fraudulent account from my credit file. Best wishes
The loan is the XXXX mortgage/equity line of credit on a home that is currently under contract and ready to close with short sale approval from the XXXX. We have had an approval from the XXXX mortgage XXXX times that has expired due to the XXXX mortgage delaying the process. The XXXX lender has continually stalled, made unusual requests, and changed the contact person we must deal with XXXX separate times making us start the process over each time. The current person we are supposed to work with will not give us an email address and insists the only way to talk with him is by phone, which further delays every aspect of communication since we almost always go to voicemail. The approval from the XXXX in XXXX was stalled by the XXXX asking for another appraisal that had to be paid for upfront by the seller and it took more than two weeks to get an appraiser to the home. We found out later the appraiser was told the appraisal was for a loan refinance and not for what it really was. The XXXX mortgage representative told me that this was all a formality to pressure the first mortgage to give the max they were allowed of {$6000.00} due to it being a XXXX XXXX loan. The XXXX mortgage confirmed this and then offered {$6000.00} as a max amount, but then the XXXX mortgage decided we had to get another appraisal to satisfy their policies. The Seller, the Buyer, the Escrow company, and the XXXX mortgage are all ready to close this loan immediately, however the XXXX mortgage appears to be purposely making it difficult.
My Chase Card says that it has a balance transfer option. But I 've never been able to transfer a balance and in the XXXX to four years I 've had this card I have not been offered a balance transfer deal. I 'm not getting the full service of this card without the option to transfer a balance. I want to be able to do this, Chase needs to fix this issue.
I am extremely disturb of the way my loan has being handle by Seterus. I was offer a trial payment for the amount of {$2000.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That is not acceptable because is higher than my regular mortgage payment. Therefore I am not able the make those trial payments. I was paying {$1100.00}. before I started to fall behind. I am in need of assistance for a better workout option. My home now has a sale date for XX/XX/2017. However Seterus never postponed my sale date even though I was approved for a trial. I am more than sure that Seterus is involve in fraudulent and deceptive practices in order for them to foreclose me. I have summited a complete modification packet since XX/XX/2017. Seterus was taking forever to cancel the current trial therefore my packet was not able to start the review. I am tired of the excuses I keep getting by Seterus a need a solution an a detail explanation of why my packet has not been review for a better workout.
Lendmark Financial is a corrupt company. They have change a bogus loan amount on my credit report more than 5 times, took me to court in both XXXX XXXX and XXXX XXXX XXXX XXXX, marked my credit report as sold then said it was n't and most recently added a bogus amount to my credit report again after it 's been disputed and marked as sold to a collection agency. 

They have attempted to collect money that I do not owe them for the final time. I will obtain a lawyer because they sued me twice for the same bogus loan in the same state just XXXX different counties. They also reported that I opened up this fraudulent loan on a Sunday, XXXX/XXXX/2013, which I did n't and I would remember that because it 's the day before my Birthday, and they are not even open on weekends. They are not only attempting to get what I do n't owe them but are even reporting incorrectly and but pursuing illegally by suing me twice for something I do n't owe them. 

My wife and I are currently in the market to purchase a home, this stunt of adding a debt onto my credit could severely hurt our chances of doing that and I 'm livid! I 've had enough of creditors being able to do what they want, when they want and we are to just take it because they say we owe them? 

I am suppose to be protected from double prosecution, I 'm suppose to be protected through the FCRA and the FDCPA. I ex cerise my right as a consumer to apply these laws to my case and I want this fraudulent account removed from my credit report immediately or I will sue for Fraudulent Credit Damages, Violation of the FCRA and the FDCPA and also for suing me twice the the same fraudulent account.
Navient has started calling me again on XXXX/XXXX/XXXX at XXXX from XXXX. Trying to get information on a family member ( who does not live with me ). I told them to stop calling me in the past. Here they go calling again. Im currently taking legal actions against Navient for the false accounts on my credit. Why would I give them information to falsify on someone 's else credit?
hi, little over a year a go my ss # was used without my knowledge work with the irs and several creditors to get this matter cleared up.
I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2015
I sent a letter to ONE MAIN FINANCIAL regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from ONE MAIN ).
When you log-in to State Farm Bank 's online service, there is no option to view your vehicle loan 's accumulated interest. This is the interest that builds up, over time, which you still owe the company. Because of this, you are unable to know at any given point the total amount of money you owe the company, if payments are being properly applied, or if they are computing the interest rate properly. From a consumer standpoint, this is an overwhelming disservice.
I have been receiving numerous phone calls from Portfolio Recovery Associates for collection of a past XXXX XXXX credit card debt that was discharged in bankruptcy XX/XX/XXXX.
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.
On XX/XX/XXXX I received a statement with a total balance due of {$3000.00}. This entire balance was on a 0 % interest promotional rate that was due to expire on XX/XX/XXXX. I paid the entire {$3000.00} balance due from the statement off on XX/XX/XXXX, but was charged interest on my XX/XX/XXXX statement. When I called customer service to dispute the interest charge, I was informed that I was charged interest on new purchases that had not been billed on a statement yet. I was told that if there are no promotional rates on the card then interest is not charged on new purchases until after they are billed on a statement, but when there is a promotional rate that new purchases are charged interest before they are ever billed on a statement. Being charged interest on new purchases that have never been billed is like being charged a no-show fee for a doctor 's appointment scheduled for next week.
I have tried several times to work with my lender on repayment options for years now. None of my efforts have been successful. I have proven to be a loyal customer by making almost all of my payments on time and in full over the passed five years, yet my principal balance has never been touched because my interest is so high. The majority of people I talk to are rude, condescending, and do not listen well. I feel as though there is no sympathy or flexibility in offering a strategic plan that I can afford. I have shown I am capable of making payments consistently as it is a priority I have set for myself, yet there is no help when I am in need of help. I call to negotiate and it is written off completely because it 's against their law. They have been bailed out yet they will not 'help ' out their customers in need. They have made rude comments like, " Well, ask Daddy to pay since he 's your cosigner, '' or " If we cut you some slack then we would have to help everyone and would have lawsuits for days ''. I do not appreciate being talked to like I am a criminal, 'less than ', or stupid. They may train their employees to be rude and harsh in situations where people can not pay their monthly amount, but I am person and their customer and deserve to be treated better. Part of the reason big banks were bailed out is because they handed out XXXX dollars in loans with astronomically high interest rates to ignorant, uneducated XXXX students. Now, some of these people are graduated, XXXX dollars in debt, and are putting forth effort to try to pay down these loans, yet no private lender is willing to help.
I attempted to order a new card with Continental Finance, the card I have is damaged, there is a crack on the bar code and will not scan correctly due to it. I have to use the card online, it will not work in any terminal. The rep I spoke with stated my account needs to be current, which it is, it is not past due. She would not order a new card. I am not due until the XXXX, the account is current, not past due.