WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX an inquiry was made to my credit by XXXX and another to Barclays Bank in DE on XXXX/XXXX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.
They told it was verified and it could never be verified because I did not file bankruptcy XX/XX/XXXX I filed XX/XX/XXXX my ex finance we were not married filed XX/XX/XXXX and we had a lot of debt that together but that needs to be removed at once I finally re established my credit only to have this put on and it 's effecting me getting a mortgage or a home or car please help me all other request to credit agency 's went on deaf ears
A debt purchaser ( Portfolio Recovery ) acquired XXXX credit card accounts in collections. I paid them in full under the agreement that the collections accounts be removed from my credit report. They agreed. I paid in full. Not only have they refused to remove the collections accounts, the dates on the items reflect the purchase date, and not the original credit card account opening date ( this effectively adds two years to how long this will impact my credit score ), and on my XXXX report it shows as paid in settlement and not paid in full. 

I have contacted them several times and they admit to having recordings to this conversation, but claim, now, that it is against their policy to remove items from my credit report and they deny that there are any inaccuracies being reported.
I closed on an FHA loan in XX/XX/2014. Prior to closing, I was provided with the INCORRECT PMI disclosure statement, which advised that MIP/PMI would eventually be eligible for cancellation. I understand NOW the guidelines of FHA, and understand MIP can not be cancelled on this loan for the entire life of the loan, due to closing LTV. However, I would not have closed on the loan if I were provided with all of the details prior. I consider this " bait and switch '' and " predatory '' lending.
Financial Data Systems is listing an account on my XXXX credit report stating I owe them money from XX/XX/2010. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on a debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Financial Data Systems is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.
Portfolio Recovery Associates, amount is XXXX. Account Portfolio Recovery Associates shows the account was paid off. I have no knowledge of this account. I have disputed this account with XXXX, XXXX and XXXX and also sent Portfolio Recovery Associates a debt validation
Portfolio Recovery is the companyI do not even know what this bill is about, I called them and asked them to send me something, and even tried to settle a debt that I am not even sure is mine, but theyrefused. Not They call me all day non stop at least 10 plus times a day!, to the point where they are interfering with my job. 
XXXX
I was scammed by a company named XXXX XXXX who contacted me an told me they can get me into a student loan forgiveness program under the Obama act who would pay my loans in full if I pay this company XXXX and then XXXX a month. I found out it was a scam because it was actually loan consolidation that I could have done myself. And I stop payment on my bank check but they wo n't come off my credit report. Please help. I read on bbb they have scammed a lot of people after signing up with these people. I feel stupid. Please help me. Thank you.
I mailed a letter requesting validation of a debt that is listed on my credit report by XXXX XXXX, XXXX ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XXXX XXXX XXXX XXXX attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XXXX XXXX XXXX, Blitt and Gaines, P.C., Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), Blitt and Gaines claim to have retained XXXX XXXX to collect the account for which I requested validation.
I have been trying to get a modification on my loan but whenever I call I get put on hold and nobody speaks to me yet they are threatening to foreclose. I Informed then I was entered into XXXX program and they continued to send foreclosure notice, they never addressed receiving information about XXXX that was sent to them. I was forced into early retirement and just trying to get payments lowered to match my fixed income.
Student Loan has been paid on for going on 9 years now. Was told today the reason my loans have gone UP is because changing plans capitalizes the interest. At no time was this told to me before today. Furthermore I made {$8100.00} in payments last year and from the tax statement received by me, {$0.00} went to principal. At this point it is worth just taking the hit and ruining my credit from this point forward because with no options to repay a reasonable monthly payment that actually reduces the principal, the credit will be ruined in the end anyway. XXXX XXXX XXXX XXXX has horrific customer service agents that will tell you very quickly they do not care about your situation. The government has made it where there is no way out so they have you no matter what and do not care. So this is my last effort to try to come to a reasonable agreement and where i can see this loan being paid off. Because as of right now the only way this loan goes away is when i do.
Ally bank shows over 30 days past due. I dispute with credit reporting agencies they did not correct. Also spoke with XXXX at ally back, he said that it should be Corrected. They have not done so. I did pay pay the account late but was only 29 days late not 30. I paid on like on the XXXX of XXXX. They said I paid after that. Shows on mine and my wives files
XXXX  XXXX XXXX XXXX, IS NOT BONDED IN THE STATE OF TN TO COLLECT DEBTS. THIS IS A VIOLATION OF THE TN RULES OF DEBT COLLECTORS. COLELCTION AGENCIES MUST BE BONDED AND LICENSED IN TN IN ORDER TO COLLECT A DEBT. 

XXXX XXXX XXXX XXXX, LICENSE HAS BEEN EXPIRED SINCE XX/XX/XXXX ACCORDING TO THE STATE OF TN DEPT OF COMMERCE AND FINANCE. 

THEY ARE REPORTING A DEBT OWED TO ALL THREE CREDIT BUREUS IN THE AMOUNT OF XXXX, OPENED XX/XX/XXXX. 

Tennessee Fair Debt Collection Practices Act 62-20-105. License requirement. 
( a ) No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law.
Please see the attached documents. 

Western Union processed roughly 70,000 HKD for at least one individual who was illegally XXXX XXXX XXXX from XXXX to XXXX XXXX and XXXX  XXXX. 

Here is the link showing the arrest : XXXX XXXX XXXXXXXX You can see the attached documents showing the transaction receipts illustrating Western Union processed roughly 70,000 HKD in transactions that were the direct result of XXXX XXXX. 

These activities are quiet concerning and appear to be in violation to what WU has promised to its shareholders, the USDOJ, and the NYDOJ.
As I am checking my credit report I see that someone has tried to apply for a loan thru General Motor Finance using my SS #. And I am more than certain that is my ex-spouse whom I have been divorced from since 2006 and I have not given him any consent whatsoever to use my information. I have never applied for a car laan at General motor finance.
I had a XXXX  XXXX  account that was opened XX/XX/XXXX. The account was closed XX/XX/XXXX. Because I never made payments on the account, I had a judgement against me. The judgement was satisfied after I made my final payment. XXXX XXXX, a representative from XXXX XXXX was over-seeing the account. After making my final payment in XX/XX/XXXX, he said that the information would be sent in the credit bureaus to update my report. I've been contacting Mr. XXXX since early this year ( XXXX ) to help with the corrections. Mr. XXXX then told me he didn't have any control of what would be updated with the bureaus. I contacted the 3 bureaus and they told me to contact XXXX XXXX. I contacted XXXX   XXXX and they told me that they couldn't do anything about it. I've been experiencing the run arounds since XXXX of this year. I've contacted the Minnesota Attorney general 's office as well. I have yet to find help with this issue. The status on my credit report is not showing paid as it should be. It also shows that I still have a balance. I've written multiple letters to all 3 bureaus and nothing ever happened ( No response ). I've had the status to change on other items on my credit report accurately this year, but nothing has been done with the XXXX  XXXX  account.
Called loan proscesser on Monday it took XXXX 9 days to get back to me she said we had a hurricane in here. She charge my credit card XXXX for appraisal with out my permission when I contacted her she said read your packet and when I read it it said it will come out of my closing cost. I was surpose to close in 45 days did n't happen I called XXXX and she was was rude she said maybe I should with draw my application now I got shown involve which is her manager and talk to him on a Thursday said he was going to rush my loan thru it 's been 7 days and my extensions ran out and no word from shown to find out when or if we are closing I talked to several different managers at TD bank and they keep telling me they will reach out to shon we are at 55 days and I am under contract so I do n't know what to do please help me I can explain more when you reach out to me. The realtor has reach out to processor 15 emails with no response. Please call as I can really tell you how unfair I have been treated We have been in our local branch several times. Missing work and dealing with this issue for 55 days. XXXX. And TD bank does n't care. We have never been thru something like this.
The bank sent me a solicitation to open new checking account that would issue a {$200.00} bonus after compliance with several steps. The exclusion listed in XXXX XXXX XXXX was listed as it has to be available only to new customers including holders of the so-called XXXX XXXX accounts. The offer pertains to ING online bank products which CapitalOne acquired several years earlier. The listing pertains only to XXXX XXXX accounts and it does n't mention INC XXXX accounts. When I contacted the bank supervisor about this I was told that my name was on the list although I admitted that I do not qualify for the offer extended to me. He then reaffirm his position that I should apply for the account anyway and that the bank will make an exception to its restriction on case by case basis. When I requested that email be sent to that effect, reaffirming this position, he refused to do so. 
Questions : 1 ) Why Capital One sends offers to people stating that they were pre-selected for the offer while in the same time knowing well they do n't qualify for it? 
2 ) Why the XXXX do not clearly state that ING XXXX accounts held prior are the disqualifying factors putting instead the " XXXX XXXX & gt ; ''
My issue is with my Wal-Mart card thur synchrony bank. The last time I used the card was in XX/XX/XXXX at a gas station however someone fraudulantly made two charges around XX/XX/XXXX both for XXXX $ and also fraudulantly made a payment over {$800.00} it took me until XX/XX/XXXX to get this resolved some how the fraudsters were able to change my address order a new card and increase the credit line. I first notice this issue on credit karma and when dealing with synchrony was even advised that was I sure I hadn't made a XXXX $ payment because fraudsters don't usually do that. You can see from my payment history I have never shopped at the store in question or made that type of payment. Now it is XX/XX/XXXX And this is happening all over again. There are two new fraudulent charges both for XXXX $ synchrony says they have no record of me sending in the documentation to resolve the first fraud case and will no discuss the matter until I mail personal documention which I am apprehensive about sending due to their issues with my privacy.
In XX/XX/XXXX, we filed a property loss claim with our insurance company for roof damage. Prior to the property loss our mortgage company changed from XXXX to Flagstar. After filing the claim, we received the insurance check from XXXX XXXX for {$5100.00} for repairs to the roof. However, once we received the check we noticed that the check was written to both me and my husband and to XXXX instead of Flagstar. XXXX XXXX replaced the check with the correct mortgage company and notified Flagstar that the check needed to be endorsed. Flagstar requested information from us and we provided everything requested. Flagstar continues to hold the check for the last 3 months and continue requesting information from us that, again, we provided. When I contacted Flagstar by phone about the check they stated that the check was mailed. After a week, the check had not arrived. I contacted Flagstar several more times and they continued to inform me that the check had been mailed. When I mailed the check to Flagstar for endorsement, I sent a pre-paid envelope with it. I was told that the could not find the pre-paid envelope to mail it. Then I was told they could not read the tracking number on the XXXX label. I called the company over a span of two weeks or more and they continued to tell me the check was mailed. I received an email from Flagstar on XX/XX/XXXX stating that " the claim check has been endorsed and released and sent to you via regular mail to the mailing address on file. '' They had specifically told me last Friday, XX/XX/XXXX that the check was mailed in the XXXX ( prepaid ) envelope sent to them from me. This process has continued for 3 months and when I request to speak with a supervisor, I am always told " no supervisor is available '' or that they can put me on a call back list and the supervisor will contact me in 24 to 48 hours. There has not been a call from a supervisor from that company. We have a contractor that has been waiting for several months to repair the roof and the mortgage company keep holding the check and falsifying the fact that the have not sent the funds. 

I believe this company is committing fraud and should be investigated.
Chase Bank shut my bank account with no notice. Chase refuses to reopen the account. Yet again, Chase held the money in float, without notifying the transferring bank or me for my direct deposit payroll.
Please remove this from my credit reports. This is not my debt!!!!!
I.c. Systems, Inc. XXXX XXXX XXXX posted a collection Amt of {$180.00} alledgedly reported opened in XXXX 2016. This is causing me a great deal of unnecessary XXXX & damaging my credit!
Hello, I've worked with XXXX XXXX XXXX for my student loans. My question to the company is how many payments that I've made qualify for Public Service Loan Forgiveness. I've contacted the company by phone and email many times to get a printout of what payments qualify and don't qualify for public service loan forgiveness. This has been going on for over a year and a half. I believe I'm getting close to student loan forgiveness, but can't get any information about how many payments of mine qualified or don't qualify. I appreciate your support in this matter.
Dynamic Solutions has been calling my house # and once even called my cell. These people called my house using local phone numbers such as XXXX, XXXX and XXXX. The calls come in at any time and they even leave voice messages asking me to return the calls at XXXX ( of course I never did ).
We have been struggling financially for over a year now. Due to circumstances, we were not able to refinance our loan as we had planned. We did attempt to obtain a loan modification. For over 4 months I dealt with mortgage company providing them, over and over again, with documentation they requested. Finally, they said they had all documents they needed and I needed to complete a trial to be eligible for the modification. They said I needed to make special payments for 3 months, which I did, on time, even a month early. They said for me not to pay anything else until XXXX XXXX. After those three months were completed, they mailed me a modification letter that I had only a couple of days to read, understand, sign and return. They modification would help a little, but it would n't have helped us in the long run. Meanwhile we were able to repair the home well enough to finally be able to refinance our home with an FHA loan. We decided that we should refinance instead. We completed all we needed to refinance the house, but when the loan officer requested our payment history from the current mortgage company, it showed we were 3 months behind in our payments, which I knew nothing of. It took two phone calls for me to find out what was happening and I ask them to fix the situation so I could refinance, but they refused. They claimed the payments I had made for the trial were just to catch up what was behind XXXX they payments were larger than my usual monthly payments ) and I still owed for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid those three past due payments in XX/XX/XXXX, however XX/XX/XXXX and XX/XX/XXXX still appear over 30 days late on my payment history and because of that NO ONE will consider refinancing our loan for another 12 months. I had no idea our payments were so far behind. I was simply doing as I was instructed my the loan company regarding the modification, which I thought would help us and the company managed to drag this situation out for months. Now we are stuck. We can not accept the loan modification, we can not refinance, we can not afford to pay the 8.9 fixed interest rate and fees on our loan. We have a nice home with excellent equity and need to refinance to pay our debts and lower our rates. All we need is our payment history modified so that we can obtain the loan. I feel like the loan modification process was not handled well, as they constantly " lost '' documents I had sent in, and was not explained well at all. I find it very unreasonable that this situation prevents us from refinancing our home.
My insurance company paid a bill to XXXX Hospital promptly and in full. I never had any further communication from XXXX Hospital or from the current company reporting me to collections, " Alliance One Receivables. '' I have provided them with copies of the paid bill from my insurance company but get no response and they are not removing this bill from collections. This is absurd - my credit should not be destroyed by a bill my insurance paid in full, promptly, quite some time ago.
In XXXX 2015 I checked my credit report and seen many accounts that did not belong to me, but had my personal information. I called the credit bureaus who told me the next steps that I needed to take which was to fill out an FTC affidavit and file a police report. Once I was done filling out all the fraudulent accounts I was to send a copy to all three bureaus with copies of my government identification. As time went on I discovered more and more accounts that kept popping up that were not mine. I followed the same routine and sent back updated information to the credit bureaus. XXXX & XXXX were the only ones who fully cooperated with me and blocked the fraudulent information as requested. Equifax is still reporting this fraudulent information after multiple attempts to correct it with them. Each time they say that they are sending the information off to the creditor, each time they do that nothing happens. I have contacted the company in question multiple times on my own and I will also be filing a complaint against them. They claim that because I am working with an attorney they can not talk to me about the fraudulent account. This has been going on for months. The only credit bureau that is still reporting XXXX XXXX XXXX is Equifax! After reviewing their latest update today they have added yet another fraudulent address to my account. I have never lived in the state of Oregon, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. I also ave never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2015. The previous address is the one in question with the identity theft. They are not deleting the incorrect information and it 's been going on for months with no resolution. I am frustrated and sick and tired of Equifax and their shady business practices. Each time I call I get the run around and they keep claiming that the account is " verified '' but they never send me anything on how it was verified. How can it be verified when I 've sent multiple certified letters and faxes to XXXX XXXX XXXX with no response or verification and they can verify it?! I 've never lived here or at the address in XXXX! I am frustrated, because at this point I feel like this credit bureau is just doing this to screw me over.
In XX/XX/XXXX i moved to a new residence that offered Cable tv but not XXXX ( satellite ) I had been loyal and always current with my payments to XXXX for over 10  years prior to moving. 
I called to cancel my service with them in XX/XX/XXXX at which point i was asked by the service rep to consider staying with XXXX which i declined since my new place offered Cable services instead. He then asked to put my account in suspension that way i could always return to XXXX if i chose to at a later date and again i declined. At this point my only responsibility was to pay off my balance and return any and all equipment which i promptly did. 
Fast forward to XX/XX/XXXX i notice a derogatory mark on my credit report dropping my score by 23 points. My account had been put into collections with XXXX XXXX XXXX by XXXX. Needless to say i was confused and angry. I lodged a dispute with XXXX credit bureau and called XXXX to find out what was going on. Apparently the XXXX rep chose to put my account on suspension and as a result i was being billed {$160.00} six months after i moved. They claimed they tried calling my cell # ( never leaving a voicemail to at least let me know ) and sent mail to my old address to inform me of this. Really?? And why would they do that knowing i had moved? They asked that i take it up with collections as they had passed it on to them. Collections asked that i settle the amount with them for {$85.00} or it would forever be on my credit report. 
This type of practice is wrong and should be looked into. What both parties want is that i settle with XXXX for {$85.00} but my account remains open and if i were to ever return to using XXXX  i would have to pay the balance of {$80.00}. BIGGEST SCAM going!! I WILL never ever recommend XXXX to anyone and i hope this type of practice gets investigated. 
One last thing ... anyone with half a brain should ask '' why would i ship all XXXX 's equipment back to them if only in 6 months of moving i would still want to use their services? '' Please someone look into this because they will continue to do this to people.
For 4 of the last 6 years with Navient my loans have been on deferments and forbidance. Not once was I offered an income based repayment plan instead. I have lost years of eligible payment time.