WillisBack/dataset-financial-user-claim huggingface dataset:
I had surgery late XXXX and I was out of commission for about 7 days. My friend named XXXX XXXX XXXX or XXXX stayed with me so that she could care for me. I found out that she put a credit card -XXXX in her name using my social security number, her address and her email address. I recognized her email address and that is why I figured out who stole my identity. Also, I had XXXX other cards that were stolen and I could not determine who stole them, however it was around the same time as this one., so I assume that she stole these as well. XXXX went unidentified because she would use these cards in small increments until she maxed them out. I have filed a police report on the XXXX XXXX credit card and I did put XXXX 's name in the document. I said that I will prosecute her to the fullest extent of the law.
After disputing with equifax the validity of a mark on my credit report from XXXX, it was determined that the report was incorrect due to fraud. it was removed from my report on XX/XX/XXXX. I went on my report today and this is back on my report. Equifax has never sent me a letter of reinsertion within the 5 days required by law and has now broken the law by having this account relisted on my account
I applied for a car loan with Bank of Hawaii in XX/XX/2016. I decide to check my credit report to see if the loan was reported to the credit bureaus ( building my credit ). Upon me checking I notice the amount reported was different than the amount I signed my contract for. So I got on the phone to contact someone from Bank of Hawaii to see why my balance was different from what was agreed to in my loan contract. As soon as I started explaining I was told this always happens and I just need to file a dispute with the credit bureau. After filing a dispute with XXXX the amount adjusted was still wrong as reported by Bank of Hawaii and higher even with my payment I had submitted. I called BOH again to see if I can get a breakdown of my payments sent to me up to final payment and was told no. So I decide to file another dispute to see if I can get the balance reported corrected via XXXX. Again the amount reported came back wrong and my credit score took a dip down on both reports. Last week Bank of Hawaii finally reported the correct amount to both credit bureau that was on the contract I signed. But this time when they reported it, my payments made were not reported and my credit score took another dip down. I call Bank of Hawaii today to see if we can get this fixed where its shows what I received via my loan statement as up to date. And again I was told that I will need to file a dispute via the credit bureaus.
We moved into a new house back inXX/XX/2017 and decided to use XXXX as our cable provider. Little did we know we could not obtain a clear signal where we live. XXXX  knowing that we had low signal which caused issues throughout allowed us to sign a 2 year contract with them. They did not tell us that we had low signal. As the guy finished up connecting everything there was no signal. He informed us that we would need to give it 30-45 minutes before everything synced up and would work appropriately. This obviously did not happen. we called XXXX customer service and notified them of our problem they said it would be a week and a half before anybody could come out. This royally upset us. So we waited and they came out and tried to trouble shoot it and said there was a problem with service box they would need to send higher tech out here to diagnose and fix problem. so we waited for that. We finally had a picture almost 3 weeks later. All was great for about 1 week then the signal loss started happening. We again called them and they sent somebody out a week later to try and diagnose the problem they said everything looked good. So finally we went on continuing for about 2 and half weeks later with our signal dropping randomly. We were disappointed at this time with XXXX Finally after further troubleshooting they found out that the spot our sat in is like a whole how they described it for bad signal. So we told them ok, How are we going to make this right? Their reply " you can continue services since you get signal most of the time, or you can pay the cancellation fee of {$350.00}. '' We were shocked hearing this. We fought with them talking with supervisor after supervisor about what has happened. We informed them that we do not believe we should have to pay a cancellation fee. They said because their were some data usages we would have to. End result- we cancelled services immediately This was about 5 months into signing the contract. After discussing with XXXX they said they would review our account and signal loss and let us know if any fees would be owed. From then on I never received an itemized bill from XXXX. Later on discovering they were sending them to my fathers address 6 hours away due to us having the same name. Causing them to call and ask questions on what's going on. This is how we found out they were sending them to him. We then received a letter from XXXX notifying us that our account has been sent to collections and that we owe the following {$950.00}
a scam was conducted. international scam IT WAS REPORTED to FTC. BB & t would not refund the scam amount -BB & t refunded overdraft fees as a courtesy however would not consider the remainder of negative account remaining. BB & t left the account in the negative to accumulate " negative balance fees '' per day. BB & t is making monies off of a fraud situation. BB & T SHOULD have refunded the monies as well as the overdraft fees INSTEAD of leaving a negative balance to accumulate " negative balance fees ''. This account contained a small amount and NO OVERDRAFT ACTIONS should have been approved. I am a XXXX of the XXXX XXXX XXXX XXXX XXXXXXXX. This type of money making issue is unacceptable. Please look into this money making issue.
I fell behind in my mortgage due to a change in income, I lost my job.My home has a forclosure date of XXXX/XXXX/2016 on it. I have been trying to work with Wells Fargo to remedy my situation. I have an active purchase offer for my home. I faxed in the offer with proof of funds from the buyer to Wells Fargo on XXXX XXXX, 2016. They have told me they may not accept the offer due to time frames. I need help to postpone this forclosure. Please help.
I have small business and I was have XXXX Insurance XXXX and XXXX Insurance send my company to collector for {$610.00} only for change the company they do n't happy we us went I tell I do n't going continue with your service and after that they send me the bill for {$610.00} And I do not owe they anything. collector company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXXClaim No XXXX
I have reported the issue of identity theft and fraud on my credit report since XX/XX/2012. I have sent multiple letters to Trans Union, including my latest one that is being attached. 
What I receive in reply is platitudes but no positive actions. I can only now appreciate the nightmare of ID theft. 
My latest from Trans Union was my credit report with a credit score that was substantially higher than when the ID theft occurred. To my surprise when my broker pulled my credit score from Trans Union XXXX Risk Score Classic, it turned out that TransUnion did NOT update the information or lied to me. In effect they told me one story and another to their reporting agency. That makes them party to a fraud. Since you are a federal agency, can you rectify what appears to be fraudulent reporting by TransUnion.
I have had an awful time with Portfolio Recovery Associates, stemming from their inaccurate reporting to the credit bureaus -- which includes double reporting debts they claim I owe them, to reporting in multiple ways ( Collections account, Credit Factoring account ), etc. I have provided documentation to verify these facts, and they brush them off and say " We don't report as a credit factoring account. '' Additionally, they've been incredibly harassing with phone calls, despite the fact that EVERY SINGLE TIME they call from their different numbers, I answer, inform them that I've instructed them to stop calling me, but they continue doing so. Sometimes I'm able to inform them that I've told them many times to stop calling and have also included that I've sent a cease and desist letter, and the call ends there. Often times it's met by aggressive phone representatives yelling at me or questioning me. It's never-ending with this group. 

I have now saved three different phone numbers that have harassed me from Portfolio Recovery Associates since I first told them to stop harassing me and sending a cease and desist letter : XXXX XXXX ( called as recently as this morning ) XXXX I have open complaints with the Better Business Bureau as well since I have had zero luck working directly with this very abrasive and aggressive group.
I had gone into default, started paying back to XXXX, went on a rehab program for 9 months of payments to get on good standings & out of default. XX/XX/XXXX to XX/XX/XXXX. After that my loan was turned over to Navient they had said I did not need to pay till XX/XX/XXXX, but I paid in XX/XX/XXXX & have made payments since then of XXXX a month.My payment was to be {$5.00} a month.Applying {$5.00} to each loan. 
My complaint is that now they want me to paid {$190.00} or more a month, I 've explain to them that i can not make this kind of payment. I 've been telling them when my payment for XX/XX/XXXX went to {$190.00}, called them XX/XX/XXXX. At that time was told to go to their website to change payment their repayment options they only give you change your payment forbearance & deferment I did that and it said i should be paying {$350.00} with the info they needed on web site. 
Was told in XX/XX/XXXX that i could apply & qualify for an Income-Driven Repayment Plan, given the option to apply online or to print my application, I was sent the link by e-mail to do this : sent in on XX/XX/XXXX I applied. According to the Student Loan.gov web site I qualify for the Income-Driven Repayment plan since I do not make a lot of money ( {$8500.00} last year 's taxes. ) I was told it would take 16 days to process and be in touch with me.Had not received no notice from them on anything about this. 
I called today XX/XX/XXXX since I received a bill saying my payment is to be {$180.00} due.When I spoke to them today they said I did not qualified since or they ca n't process since some payments are not due till XX/XX/XXXX.I had to be current not ahead. 
I explained again how I cant afford these payment, Navient said that she would make a ticket to see if can be put on Income Driven Repayment and put my payments on a payment calendar so my payments are current. Not sure what that all 's means.
Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors and credit bureaus initiated several disputes with XXXX, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate we 're in. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like national credit systems are one in the same but neither one can really help I think me and millions of americans are being lied to by the credit reporting agencies.
I was sent to collections by XXXX cellular serivice. I did not receive service from my home unless I walked down the street they told me that I had a tower 1/2 a mile from me, I told them I still am not receiving service in my home, I needed to cancel service they refused, and then asked me if I turned in all my cell phones, they would credit my account and bring it to a zero balance that did not happen. I have been sent to collections to Virtuoso Sourcing Group.
I keep receiving letters from Capital One with my first name changed and told that I do not qualify for a credit card. I have returned many requests for them to stop doing this but, they continue.
Citizen banks system told XXXX XXXX 's system my account was invalid and rejected my payment causing adverse entry on my credit report. They also re order debts to maximize fees and this is done during system down time after debits have posted to the account earlier that day.
I have to collection from XXXX from XX/XX/XXXX, I have no history of medical bill, since I had my last baby on XX/XX/XXXX and was all cover by XXXX. 
I moved from XXXX to XXXX, I cant verify who sent this bills and why now show in my credit report, I only get a credit for the past XXXX months. Thank you
I had an account in good standing with Care Credit ( Synchrony Bank ) for pet medical bills from approximately XX/XX/XXXX to XX/XX/XXXX. At which time I owed {$610.00} and my credit limit was {$800.00}. XX/XX/XXXX, I missed a payment, but paid extraXX/XX/XXXX. XX/XX/XXXX I missed a payment, but paid extraXX/XX/XXXX. During that time, I was always paying well over than the minimum {$25.00} per month. However, I balance started increasing in XX/XX/XXXX. Due to some XXXX XXXX  issues, I found it necessary to leave my residence and did not get all my mail and was emotionally unable to address the discrepancies in the billing. I later lost my job due to emotional distress and was unable to pay any bills at all for awhile. This is why I had not contacted the company directly to discuss why my balance kept going up, when I was paying more than the minimum required. After several months of not paying, the Care Credit increased my credit limit to {$1800.00}, without my knowledge. Also without further contact, I received a court summons two days before the court date which stated I now owed {$1000.00} with interests and Plaintiff 's court costs. Care Credit ( Synchrony Bank ) only provides a mailing address on the few statements I have, and no phone number to inquire as to how my bill increased so much and why they increased my credit limit without my permission or knowledge. I have no explanation as to why this happened and no documentation from then that explains it, other than I can assume they did this so that they can collect more money than what I owed.
In the last 60 days I've been garnished by this credit concepts of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX  every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX  children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX  for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
On XXXX XXXX I noticed some unauthorized transactions totaling {$910.00}, on my account. I called American Express Serve and was told I had to wait to make the dispute until the transactions were completed. I cancelled the card ending in XXXX and requested a new one as my account was compromised. On XXXX XXXX the transactions were completed. I called again to dispute. I was told it would take up to 45 days to make a decision on if they were going to reverse the charges. But I would receive a provisional credit on the 10th day. I called on XXXX XXXX to ask where the provisional credit was, I was then told it is 10 business days, which would be XXXX XXXX. On XXXX XXXX I received XXXX email stating they completed their investigation and I would not be receiving my credit as they determined I made the transactions, which took place in XXXX and I live in XXXX. I explained it is very hard to make a purchase at XXXX in XXXX XXXX at XXXX on XXXX XXXX then be in XXXX XXXX and back in XXXX by XXXX to attempt to make a purchase at XXXX. I have tried to call American Express serve and ask for the proof that they contact XXXX XXXX XXXX as I have. They were not able to give me any proof and said it was their investigation team that makes the decisions. I called XXXX XXXX XXXX and spoke with their loss and prevention manager and she claims no one else has called about this account or transactions. I once again asked why could they not prove that they contacted, then I was disconnected from the operator.
An auto-payment I had cancelled was mistakenly processed on XX/XX/XXXX, which is responsible for putting my checking account into overdraft. I am not responsible for this payment being processed, and should not be responsible for ( 3 ) {$36.00} overdraft fees totaling {$100.00} that PNC has withdrawn from my account. Again, I suspect they are processing my transactions in such a way as to maximize fees ( profits ), had the larger payment been processed after the smaller payments there would be only ( XXXX ) fee. Branch manager will do nothing. PNC has charged me multiple hundreds in overdraft fees just this year. How long will the crimes continue unchecked? I demand these fees be REVERSED IMMEDIATELY and refuse to fork over {$100.00} to the bank for a mistake I did n't make.
Company continues to call my parents landline phone when I have asked them to stop. They also constantly call my cellular device when I asked them to cease multiple times. 

This debt is from XXXX. I payed my final bill and they tacked a crazy amount of money for leaving their service, which I should not have to owe them a thing.
I am writing in regards to a debt collection that is not valid nor mine. 
As a single mother and sole provider for my household, I have worked diligently since XXXX to pay off all debts owed and clean up my credit in order to purchase a home for myself and my daughter. 
I started in XX/XX/XXXX by contacting all my debtors based on my credit report and outstanding debts owed. 
By XXXX I was able to pay off all debts with the exception of my school loan and car payment. I continued on my journey of cleaning up my credit by no longer acquiring credit cards and living by " cash only ''. 
In XX/XX/XXXXI received acknowledgement that I had finally paid off my school loan in full. This was the best day of my life considering how long I had been paying on this school loan and was now only left with my current car payment as my only open credit account. 
In XX/XX/XXXXI started the process of purchasing my own home. I would not have been able to accomplish this with any outstanding debt, collections or judgments against me. In XX/XX/XXXXI was able to purchase my first home and felt fantastic about all of my hard work since XXXX to make this dream come true. 
In the background as all of this was going on, Winn Law Group sent me notice after notice after notice threatening me with debt that was not mine nor owed. I repeatedly told them via phone calls, refusal of mail, and written communication that I did not owe this money and that they were harassing me. They have been relentless in their pursuit and it has escalated now to them trying to garnish my wages. I have provided them with copies of my credit report showing that there is NO DEBT that is outstanding nor owed to any parties. 
The Winn Law group has been aggressive, rude, non-compliant and basically just harassing. They have phished my social security number and will not leave me alone. 
They are now trying to steal over {$6800.00} from me via wage garnishment without cause. I am the sole provider for my household and every penny I earn is budgeted and accounted for. In addition I monitor my credit daily to weekly and any time there is a change I am monitoring it. 
Please help, Winn Law Group needs to be stopped. 
I have included copies of my Credit Reports ( XXXX & XX/XX/XXXX), where I started to where I stand, my payoff letter to my school loan and documents showing Winn Law Group garnishing my wages.
I have been working with Transunion for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. )
XXXX allowed a 3rd party to charge to my account!! it was for jewelry that I did not receive.I was in hospital when this was shipped to my former address in XXXX ... I came directly to XXXX. from hospital..they finally took charges off, but still report me as missed 3 payments..now they send me statements saying I have a XXXX credit coming LOL
On XX/XX/XXXX, I sent an investigation request to XXXX and Trans Union. Over 30 days have past, and they have yet to respond.
My sisters and I have Certificates of Deposit that were opened in our name by our grandmother. Both names are on the Account Verification statement provided by PNC Bank in XXXX, XXXX My grandmother has since passed away. My mother found the account statements XXXX day and we are trying to get access to the accounts. When we called PNC, they had no record of the account. They forwarded me to some PA State agency that also says they have no record of the account. As far as we know, PNC should still have this money, but somehow, they are unable to find anything regarding the account. This is a major problem.
On XX/XX/XXXX I took a payday loan for {$200.00} from the XXXX located at XXXX, XXXX, TX XXXX. Im a single mother and I could not pay back the loan. On XX/XX/XXXX I received a phone call from XXXX, who identify himself as the criminal investigator for financial Fraud from Commonwealth financial Systems. I was told that if I dont pay I was going to be prosecuted for Fraud against XXXX, and that " failure to comply '' will result in them showing up at my placed of employment. i got really scared and I set up month ; y payments of {$110.00}. I have made 3 payments but i canoot pay anymore. They call me several times a day, leave threatening voice mails. I have never been in jail and I am scared for me and my babies. Please help me
Bank continues to charged interest on cash advances that have been paid off. 
Internet Payment Thank You {$290.00} Minimum due {$37.00} pd XXXX on CA XXXX now paid back XXXX/XXXX/XXXX Internet Payment Thank You {$280.00} Minimum due {$30.00} pd XXXX on CA. 

XXXX/XXXX/XXXX Internet Payment Thank You {$150.00} Minimum due {$36.00} pd back XXXX CA XXXX on CC balance These 3 payments were to cover my cash advance. All were well above my minimum payment due and extra should have been applied. The first CA was XXXX and paid back within 3 weeks.