WillisBack/dataset-financial-user-claim huggingface dataset:
I have a disputed debt with  XXXX  financial that appears on my Experian Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed. Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act. Regardless of this,  XXXX  is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer. Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client. This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporti ng hostage under the FCRA, and blatant violation of the terms and conditions of credit reporting.
I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for Clarity Services. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. XXXX, XXXX, XXXX. please help me on this. Clarity Services, Inc. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
I sent the notice of Lien Withdrawal to all XXXX credit bureaus. XXXX and XXXX promptly removed the public report promptly. Transunion mailed me a letter that stated that the item was verified and would not be removed. I then sent another request and recieved the same response. I would like the credit bureau to report accurate information and remove this vacated lien.
Commonwealth claims to be collecting on a 4.5 year old debt. I am unaware of any unpaid medical debt, I never authorized this company to possess any medical data on me. The are reporting a wrong address. They also state that the amount may be different because it does not reflect any payments made after the service date. So they are collecting on money not owed because I owe no medical debt. Failed validation attempt.
I filed a Fraud Alert with XXXX on around XXXX XXXX, 2017. 
I have not heard back from them since then. 

I did get a letter in the mail from XXXX on XXXX XXXX, 2017. 
It is my understanding that if I have a Fraud Alert no one can open an account under my name unless they contact me. 


Today, XXXX XXXX, 2017, I received and e-mail from from XXXX XXXX that XXXX XXXX/XXXX and Capital One had run a Hard Inquiry on my credit. 
A few minutes later XXXX sent me a similar e-mail and called me on my cell phone. 

I call XXXX. They started an investigation in the Hard Inquiry. 
A Hard Inquiry not only lower my Credit Score ; but, is also an indicator of fraud. 

I filed and Identity Theft Report at XXXX. 
The FTC emailed me instructions to file a Fraud Alerts with the Credit Bureaus and later to contact the Fraud Department XXXX XXXX XXXX and Capital One. 
so both companies could remove the Hard Inquiry off of my credit reports. 

I followed the FTC 's instruction and contacted XXXX the credit agency that conducted BOTH Hard Inquires. I filed an Initial Fraud Report with XXXX. 
They e-mailed me back quickly. 

I tried to file another Fraud Alert with XXXX today, and I received an ERROR MESSAGE. 
Something is WRONG with this Credit Bureau. 

I then called XXXX XXXX, XXXX, Florida, XXXX at XXXX. 
After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

I then called Capital One, XXXX XXXX XXXX, Utah XXXX at XXXX After one hour on the phone speaking to two of their Fraud Department folks, I found a manager that could help me out. XXXX filed the paperwork to remove the Hard Inquiry off of my Credit Report. IT WILL TAKE 90 DAYS to fix my Credit Report. 
Again, I find this unacceptable, unconscionable, malevolent, and evidence that this company engages in unfair business practices. 

In summary, I need your assistance in ensuring that XXXX posts a Fraud Alert on my credit information. In my opinion, all government contracts should be pulled from this company IMMEDIATELY and an investigation on unfair business practices initiated. 

I also need you assistance in following up with BOTH XXXX XXXX and Capital One. I do not understand why BOTH are not interested in stopping identity fraud. 
I have a XXXX XXXX XXXX XXXX Veteran. It does not bother me to stay on the phone ONE HOUR to get things done. Hard working taxpayers do have the time to do this. 
The business practices of these two companies needs to be revised and changed. 

I do not understand why it will TAKE THEM 90 DAYS to fix my credit report. 
These two companies should also be investigated for unfair business practice. 
I appreciate you support. 

Very respectfully, XXXX XXXX, XXXX.
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, XXXX : XXXX.
I sold an item on E-bay and the buyer deposited my money in PayPal. When I tried to with-drawl the money I received the following reply. 

Why is my account access limited? 
Your account access has been limited for the following reason ( s ) : XXXX XXXX, XXXX : We need a little bit more information about you to help confirm your identity. 
( Your case ID for this reason is XXXX. ) XXXX XXXX, XXXX : Before we can offer you certain products and services, federal regulations require that we collect specific information to verify your identity. This information includes your name, address, date of birth, and National Tax ID or Social Security Number. We have n't been able to verify your identity using the information you provided, so we need some additional documentation from you. 

Until this issue is resolved, you 'll be able to log in to your PayPal account but you might not be able to add money to it or use some of your account features. 

( Your case ID for this reason is XXXX. ) I tried to resolve the situation and get money money but PayPal will not release it.
I have a mortgage that is serviced by RoundPoint Mortgage Servicing in XXXX, Tx. In XXXX of XXXX, due to health reasons, we filed a Chapter 13 Debtor Reorganization Plan. The Mortgage is paid outside of the plan. At that time, Roundpoint stopped sending us statements, escrow statements, or acknowledgement of payments received. 

I keep getting statements from XXXX XXXX and From FEMA regarding taxes and flood insurance. Roundpoint will not acknowledge the escrow balances and will not say whether they are paying the taxes and Flood Insurance. 

They claim they can not talk to us but our attorney and we authorized them to talk directly to us. Roundpoint now says they never received the authorization even though they told me before they had received it. We have no way of knowing when the payments are received and if they are being applied in a timely manner nor how they are being applied. 

I believe they are out of compliance by not sending us statements and advising us of amounts due. I do not know if they are applying the payments late and accumulating late charges in order to make our mortgage larger. 

Like I said, we signed a document stating that we would not hold them liable for speaking directly to us under the blanket order from the bankruptcy court. Our attorney agreed.
On the morning of XX/XX/2018, I received a call from XXXX XXXX XXXX concerning my many-years-estranged sister who lives in another state and, allegedly, wrote a bad check. She confirmed MY personal information to me ( my name, address, several other previous addresses as well as my parents full names and info ) before informing me that myself and my parents are co-defendants in the case against my sister writing a bad check to what appears to me a personal loan company and that there would be arrest warrant sent out for her and that she had to contact them by XXXX. I asked whether my mother, father and I would be liable for my sister 's alleged issue and she said that we were co-defendants but that we would be dropped off of the case if and when my sister or her attorney contacts the business. I was not asked for money or for my sister 's information, only to pass along the information to my sister. I am not sure whether they are looking to scam her, scam me or if this is a true issue, but this was definitely threatening and felt illegal as I know I have nothing to do with the matter at hand and was named as a " co-defendant '' unless my sister contacted them. And they have all of my personal information, my sister 's information ( including her social security number ) and I don't appreciate my parents being threatened or accused of illegal behavior. I understand debt collectors have to do what they have to do but that was HIGHLY inappropriate. To the service rep 's credit, she was polite and gave me all the info on the matter that I requested. I don't believe it was a matter of the rep mishandling the case but overall shady business practice.
I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. Experian,  XXXX , and   XXXX   XXXX   XXXX   (  XXXX  ) are all refusing to remove fraudulent information from my credit report after providing verification from  XXXX  that the tradelines were successfully removed from their report.  XXXX  and Experian claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor,  XXXX , is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid   XXXX   and never will.  XXXX  is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department.
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I have substantial evidence that proves  XXXX  engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies.
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  XXXX   is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several  XXXX  employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT  XX/XX/XXXX  according to the original default date. Somehow   XXXX    managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from   XXXX   to some distant year.
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Also,  XXXX  is reporting that one of the  XXXX  tradelines is closed/paid in full and the remaining  XXXX  are current.
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This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX , Experian, and  XXXX . This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you
CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE
My loan servicer is Navient. In XX/XX/2016 I applied and was placed into an " Income-Driven Repayment ( IDR ) plan '' I recertified in XX/XX/2016. Instead of placing me back into Income-Driven Repayment ( IDR ) plan I was placed into a 12-month forbearance. This is not conducive in my path to repayment.
I HAVE A NEW STUDENT CHECKING ACCOUNT AND A MONEY MARKET SAVINGS ACCOUNT AT US BANK ONLINE THAT MY EXHUSBAND IS TAKING MONEY OUT OF WITH KEYCODES CAUSING ME TO BE OVERDRAWN. HE IS UNDER A COURT ORDER TO DEOSIT {$1000.00} INTO THE CHECKING ACCOUNT. INSTEAD HE IS DRIVING ME INTO OVERDRAFT.I AM EXPECTING FINANCIAL AID FROM XXXX XXXX UNIV AND I THINK HE IS GOING TO RIP ME OFF.
I have received several phone calls from Capital Management Services. I do not know who they are but researched them on the internet. They never leave a message so I 'm not sure what this is about so I blocked their calls on my cell phone. Now they are calling me at all hours at work! I 'm afraid this will jeopardize my employment! I have asked them nicely not to call me at work but to send me information to my home address but they have not done that. I need them to stop before I lose my job.
On XXXX/XXXX/2015 I was alerted via text message of a fraudulent charge on my Barclay Card in the amount of {$1100.00}. I called the company immediately and confirmed that the charge was indeed fradulent. On XXXX/XXXX/2015 I called to inquire about the status of the case and I was informed it had been filed with the wrong department within Barclay. They then opened a new ticket and assured me the fradulent charge would be addressed. Today on XXXX/XXXX/2015 I called again to inquire about the status of the case and I was informed that nothing had been done since the new ticket was opened four months prior. Please help for I am being assured the case is being looked into and six months later the fradulent charge is still active on my account.
After a 19 year customer BofA my card was canceled with no notice. I never had a late payment. After returning from XXXX Army XXXX I XXXX am not able to enter a crowded store and was able to purchase gas at the pump outside with my credit card. My car number is " ******************* ''. Any explanation would be greatly appreacheaded. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, KY XXXX
I had received a letter from my previous employer about a data breach. I submit a request to Transunion to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't delete the address below and it needs to be deleted as it is n't mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX
I HAD A PLUMBING COMPANY COME TO MY HOME AND DO WORK FOR ME WHICH THEY CHARGED ME XXXX I PAID THEM WITH MY FEDELITY VISA CARDND  I DID AUTHORIZE THIS CHARGE AND GIVE MY CONSENT FOR THEM TO TAKE XXXX XXXX OUT OF MY CREDIT CARD ACCOUNT. HOWEVER A FEW DAYS LATER THEY CHARGED MY ACCOUNT AGAIN XXXX WITHOUT MY AUTHORIZATION OR CONSENT TO DO SO.. I CALLED THE  PLUMBING COMPANY AND ASKED WHY THEY CHARGED MY ACCOUNT AGAIN AND NO ONE HAS A ANSWER FOR ME. I REPORTED FRAUD TO MY FEDELITY VISA CARD ON XX/XX/18 SPOKE TO REP XXXX ID # XXXX WHO SAID THAT HE FILED THE FRAUD COMPLAINT AND GAVE ME A CASE # XXXX I RECIEVED A PHONE CALL FROM A XXXX  @ XXXX EXT XXXX BUT THAT EXT DOESNT WORK SO I CALLED BACK AND SPOKE TO REP XXXX ID # XXXX WHO WAS SO NASTY AND RUDE AND KEPT CUTTING MY NIECE OFF WHO WAS ON THE PHONE HELPING ME SO WE ASKED TO SPEAK TO A MANAGER XXXX MANAGER GOT ON THE LINE ID # XXXX AND SAID THAT THE FRAUD WAS NEVER FILED IT WAS ONLY PUT IN DISPUTE SO WE TOLD HIM IT WAS FRAUD. HE SAID HE WAS PUTTING IT IN FRAUD AND SENDING A NEW CARD TO ME.THESE PEOPLE ARE VERY RUDE, UNPROFESSIONAL, AND THEY LIE AND DONT DO WHAT THEY SAID. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME I CANT AFFORD XXXX TO BE TAKEN OUT OF MY ACCOUNT THIS PLUMBING COMPANY STOLE FROM ME. I NEVER AUTHORIZED THIS CHARGE AT ALL THE ONLY ONE I AUTHORIZED WAS THE XXXX CHARGE. SO THIS MEANS THEY KEPT MY CREDIT CARD INFO AND THOUGHT THEY COULD TAKE ADVANTAGE OF ME A STEAL MY MONEY THAT I DONT HAVE, AND NOW VISA ISNT EVEN HELPING THEY ARE PROLONGING ME GETTING MY MONEY BACK BECAUSE THEY KEEP SAYING THEY FILED FRAUD BUT THEY NEVER DID THEY JUST PUT IN DISPUTE AND THIS IS NOT A DISPUTE. PLEASE HELP ME GET MY MONEY BACK
i have filed on these ppl several times mi id my whole purse was stoden a few years back these ppl stold even my insurance cards my drivers licemce everything the original hospital or whatever is now gone i cant get any answers
On XX/XX/XXXX I was charged XXXX twice ( XXXX ) by XXXX. I never made a transaction with them. I went into Regions Bank on XX/XX/XXXX to dispute this transaction as I had already tried to correct this fraud charge with XXXX and was getting no where. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled aster the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized them to charge my card not did I ever sign a credit card authorization. The total of XXXX that was charged is fraud and needs to be refunded back to my account asap.
Re : Creditors Specialty Service, Inc. XXXX XXXX XXXX, XXXX , CA XXXX XXXX I was in a XXXX on XXXX/XXXX/XXXX for which I was not at fault. The other person 's car, ( the driver was not insured ), was towed to XXXX XXXX XXXX. That company said I was responsible for the storage in the amount of $ {$1100.00}. An attorney for my insurance company said I was not responsible. Creditors Specialty Service was asked to collect from me for XXXX XXXX XXXX. Creditors Specialty Service contacted me by phone and letter at least four times. They filed a claim in small claims court around XXXX XXXX. They did not show up in court and the case was dismissed. I received a letter from Creditors Specialty Service dated XXXX/XXXX/XXXX entitled " request for update. '' The letter implied that my credit would be denied if I did n't pay the {$1100.00}. I called Creditors Specialty Service and told them this was harassment. They said they would remove the case from their files. It concerns me that other people would pay the amount due because of the threatening nature of the letter.
Midland funding contacted me repeatedly over a debt they bought when I had a delinquent charge off from XXXX XXXX XXXX back in 2014. They pressured me into paying it by threatening to sue me and garnish my bank account, and they called me upwards of 10 times per day. 

When I finally paid them, they told me they would delete the account from my credit report. I have disputed this with them multiple times stating that they said they would remove this account from my credit reports, and they still will not do so. 

Due to the fact that they used harassing collection tactics and lied about taking legal action against me, and the fact that there was a class action settlement last year against Midland funding due to their deceptive collection tactics, I request that their account be deleted from all three of my credit reports. 

Please let me know if you need any additional information from me about this and I will gladly be able to help.
In 2009 we had lost our business and were with out jobs we had XXXX large cc bill with chase bank at that time they would settle for short money but we did not have any money for over 2 yrs we have pd the {$480.00} a month we recently called to see if we could settle and finally get this behind us we were told that the only settlement we could get would put a negative mark on our credit which we have worked hard to get it to a moderate XXXX when the credit cards were active they charged us 28 % interest rate we feel they have gotten there money over and over know they see we can pay and they do not want to work with us to settle for a lesser amount they had told us when we signed up they want to work with us but i see refusing to give us an appropriate pay off figure with the threat of harming our credit after it took us several years to get where we are to today is unethical
On XX/XX/XXXX I purchased a treadmill online from XXXX after reviewing the purchase the next day I decided to cancel the order. I could not get anyone on the phone from XXXX however I did respond the initial email from XXXX XXXX who thanked me for my purchase, I asked him/her return the purchase on XX/XX/XXXX. I received a bill in XX/XX/XXXX and it still had the purchase on it. I called XXXX and they said that they were in the process of returning the item and to disregard the bill. I receive an email from someone named XXXX XXXX on XX/XX/XXXX about the product and the company wanted to deliver, I told them that this product was suppose to be returned and that I did not need it. On XX/XX/XXXX the email was acknowledged and they said that they were forwarding my return request to their billing department. I yet again received another bill from XXXX in XX/XX/XXXX, I called again and spoke to one of their reps. I explained the situation and they waved the payment and said that they I should submit a dispute form. I mailed the form with the dispute info on it ( this credit company does not have a web page to dispute ). I received another Bill in XX/XX/XXXX, I called yet again and they said all they needed to do was process the return and gave me a different phone number. I called the other phone number and they processed the return. I called the original number and was placed with another rep, I explained the problem yet again and they demanded payment and hung up on me. At this point the product has been returned and my bill reflects this however the bill still states that I owe late fees and now they reported that I have late payments on my Transunion credit report.
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE XXXX XXXX. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED