WillisBack/dataset-financial-user-claim huggingface dataset:
I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX XXXX ( XXXX, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ). I am acting on my own behalf and need help with this.
The Florida Department XXXX is accusing me of working and collecting unemployment which is not correct. I was not employed at the time I was collecting unemployment. 

They have me as working with XXXX life insurance which is nor accurate. I am employed XXXX currently but that did not start until XXXX/XXXX/2015. 

When I collected this last payment I was not employed by anyone. This debt collection should cease immediately.
XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX Account Status : Closed This account is too old to remain on file. I requested the bureau remove it- they refurse and will not let me submit another request to have it removed.
I am a victim of identity theft. Had a crazy ex that stole my personal information. She took the information and opened XXXX different credit cards. She then set up a XXXX XXXX and had the information sent to the XXXX XXXX so I never saw bills or statements. I was working XXXX during this period and she would go and cook dinner and clean up the house which gave her access to my checkbook where she simply took my checkbook and called and made payments. I stupidly did n't open my statements each month. I instead filed them away unopened until the end of the year and then I would pull them out and organize them for taxes. This is when I found out what she had been doing with the cards and checking account. I immediately called her and then I called the police department and filed charges against her. I also found out that she was MARRIED to someone XXXX. XXXX I contacted him and learned she had done the same to him and the one before him. She fled XXXX when I told her I took out warrants for her arrest XXXX.
Lates were reported on my credit report for XXXX XXXX. The lates were XX/XX/XXXX-XX/XX/2010
I called PNC customer service XX/XX/XXXX to inquire about removing the PMI from my loan since my Loan to Value had reached XXXX %. My loan amount is {$190000.00} making my LTV XXXX %. It was scheduled to be removed automatically on XXXX/XXXX/XXXX but I figured I would try to get it removed earlier. After discussing this with the representative and learning a new appraisal would be required, I told her not to send me the information. She said it was too late as she had already pressed the button. She said it would n't change anything and only provide me the steps to take to remove the PMI. On XXXX XXXX I received that letter from PNC about the PMI. The letter stated that my LTV was no longer XXXX %, in fact, it was now XXXX %. They also stated I could get an appraisal using a condo appraisal form for {$500.00}. First, my home is not a condo, it is a single family residence inside a PUD. I am in the mortgage business and I know that appraisals do not cost {$500.00}. I proceeded to go online to my account and noticed that someone within PNC had changed the automatic removal date of the PMI to a whopping XXXX/XXXX/XXXX. They are saying I need PMI for another 21 more years! I tried calling PNC customer service and after being put on hold for almost an hour, I decided to hang up and call back during the day. I am so upset with PNC after making timely payments to them for the past 6 years. They modified my mortgage back in XXXX due to a hardship during the financial crisis. From XX/XX/XXXX to last month, the PMI drop off date was scheduled to be XXXX/XXXX/XXXX. See attachment # XXXX. I ca n't afford to keep paying PMI for another 21 years and it is illegal for them to do so because the loan to value based upon the principal balance of the first lien is {$190000.00} and the value of my home when I purchased the property in XX/XX/XXXX was {$240000.00}. I want this fixed immediately and PNC customer service has not met my expectations therefore I am filing a complaint with the CFPB in homes PNC understands how serious this error is. I have attached the new statement showing scheduled XXXX % LTV date of XXXX/XXXX/XXXX and a prior statement showing XXXX % LTV date of XXXX/XXXX/XXXX which has been this way since XXXX/XXXX/XXXX.
I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with XXXX federal charges re : knowingly defrauding a bank. I asked which company reported this and they said XXXX XXXX which is a payday loan co i have used. XXXX i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.
Collection Agency did not send any notices, did not send copies of bills and was not given the opportunity to dispute the debt. Was not aware of it until I received the court notice. Started making payments, still have not received notices to confirm payments. Contacted my employer for garnishment, still have not acknowledge the payments that was made.
The original debt was from XXXX, for ~ {$68.00}. 

They sent RPM ( Receivables Performance Management , LLC ) the debt. I settled with them and paid an amount of {$40.00} ( two payments of {$20.00}, ending in XXXX XXXX, 2017 ). 

Now XXXX is trying to collect the remaining amount ( ~ {$28.00} ) through XXXX XXXX XXXX, because RPM did not inform them the account was closed, instead choosing to falsely send the remaining balance back to XXXX despite telling me the account was closed and paid. 

I can not get Windstream to contract RPM, RPM to contact or send verification to XXXX, or anyone to talk to XXXX. 

I have a letter from RPM confirming the debt was paid in full. XXXX will not accept this letter from me, and RPM will not send it to XXXX. 


Attached is the letter from RPM verifying the account was closed in XX/XX/XXXX.
I was attempting to use my new Citibank credit card obtained through XXXX. My first purchase was at XXXX in XXXX XXXX to buy a prescription for {$15.00} on X/XX/18. I decided to buy several items at XXXX 3 miles away. Upon using the card for the second time that day the machine misread the credit card chip and my transaction declined. The message was to contact member services. I contacted member services to hear that their fraud department flagged my credit card on only my SECOND transaction only an hour after my first transaction. I spoke with XXXX and her supervisor XXXX who both were incredibly redundant in their message of being unable to help me due to their fraud department being down and going through maintainance. They flagged my account and were unable to remove it. I asked them to provide better customer service other than to say check back in 4-5 hours. I asked them if they could call me when it was resolved. They said they could not. I asked them if they could have fraud department call me back, they said no. I was upset at the lack of helpfulness or initiative to provide BASIC customer service. I am left with no answers, frustration, and a brand new credit card that I can not even use until who knows when.
i have a credit card with chase i never been late with payment i always recieve bills in the mail and signed up to get alerts from credit card company i sent in payment by mail as usual even though i did not recieve my last three stastements in the mail or anty alerts as requested evidently payment was not recieved and the XXXX XXXX payment that cleared satisfiedthe amount owed for both month i am now first attempting to refinance my home and first finding out that they did not recieveXX/XX/XXXX payment and put late payment on my credit card very upset that they stop sending me bills in the mail alerts that i requested were not recieved and payment that was made did not clear i have account with them for many years 10 to 15 never had late payment feel i was harmed incorrectly
XXXX XXXXXXXX XXXX On XX/XX/2018, XXXX XXXX XXXX Ran my credit and also my mother credit without signing a credit report. They shopped every finance company out there. 25 companies.

Right now we have 6 still reporting on there. I will like to go after them 100 percent, due to this is a known issue with this dealership when I posted about this on XXXX. There is numerous of people they have done this too and have wronged.
American Express, via their web site for customers, offers valuable rebates programs for various merchants. My wife and I have a household account with AMEX, with my card the primary, and her card the secondary. My wife has been consistently going to the web site, being presented with offers for merchant discounts and rebates, which she registers for and then specifically shops at those merchants. The registration shows the primary accounts as " registered '', as this is always how the AMEX site presents the XXXX cards - balances, miles, etc. are always shown under the primary account, with subtotals for the XXXX individual account numbers. As things turn out, for this marketing program, and it appears this only, the secondary account does not gain any of the benefits. This is very unclear and inconsistent with the managing of the cards historically. My wife has now spent money on items expecting the rebates/discounts, in most casts on items she would not of otherwise purchased. I believe this is a misleading and deceptive marketing campaign by AMEX - especially since we pay for both cards, the web site normally aggregates under the primary number, but for this one program, they treat the secondary card as worthless. At this point, not only do I feel we should be credited the expected discount, but I feel a refund for the purchases are due as we were enticed to spend on things we would not of otherwise chosen. I absolutely believe we are victims of a UDAP violation.
I have made along with my son several requests to remove derogatory credit information on my sons credit report. We both have similar names each credit report agency is using my credit history on my sons credit reports.
Ocwen has taken a toatle amount of XXXX $ from my bank account. This is a student subsidized loan their taking from me. I do not own a house. I have no idea who this company is and why they are taking my money. I really want my money back! This is a crime. It sais in fine print that i do not have to pay a student subsidized loan back untill 6 months after i graduate. So their is no reason this company, OCWEN should be taking my money! They are stealing from me. I am XXXX i am now completely broke because this company has drained my bank acct!!! I cant afford to buy food for myself or pay my bills because of ocwen! And i cant seem to figure out how i get my money back from them. I have a lawyer thats looking into it! But i just dont feel its enough. I dont want to pay a lawyer all the money that ocwen took from me just to get it back?. I have no relations to this company whatsoever! So they shouldnt have my card information!
I provided proof of the Federal Tax Lien being released and removed. All credit bureaus XXXX, XXXX have been removed, but EQUIFAX refuses to remove it even once the proof was given. I disputed 3 times NOTHING has happened. Its EXTREMLY FRUSTRATING
Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my Transunion, XXXX and XXXX credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my Transunion Report after a Hard Pull.
American Credit Acceptance : Failed to process payments and then charged interest on the principal. 
Charges processing fees for payments that were not disclosed at the onset of loan. 
Calls 4-5 days regarding payments while failing to address previous noted issues. 
Lost checks, and does not provide statements. 

At this point the company has " lost '' {$5200.00} in funds that were sent to them and has not reconciled any of these issues. 

Continues to call and has not addressed any charges or fees. 

This Loan was through XXXX which also failed to disclose the company 's practices.
My only American express account number is XXXX paid in full good standing. The company try to collect a debt of a card that 's not mine.
I ask for a copy of my payment history dating back from now until 2007 for creditor XXXX and experian or XXXX can provide me with my account history dating back to the beginning of loan
I have been making payments for the last couple of years towards PSLF. However, the company seems to always be " processing '' these and still shows that I have no payments counting towards the 120 I will need to obtain forgiveness.

On multiple occasions, I have submitted paperwork to maintain my enrollment in  PSLF and was asked to submit it again. At one point, I submitted the SAME document completely filled in 7 different times. I even had a customer service representative tell me that they were requesting I send it again but that she could clearly see the 7 different documents submitted and that all were done correctly so she was unsure of why I needed to again.

After this, I began recording dates, names and ID numbers along with what the representative told me regarding my PSLF status. The detail document is attached below.
Dear XXXX XXXX XXXX XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
TRANSUNION REPORTS XXXX, XXXX XXXX XXXX, ACCT. XXXX ON MY CREDIT REPORT.ON XXXX/XXXX/2016 THE ACCT WAS SETTLED FOR MORE THAN THE XXXX REPORTING ( SEE BANK STATEMENT ATTATCHED ) .SO A FEE WAS ADDED BY XXXX.THE AMT. AND DATE PAID ARE NOT LISTED ON THE CREDIT REPORT.IN CALIFORNIA ANY FEE IN EXCESS OF THE COLLECTION AMOUNT MUST HAVE BEEN LISTED ON THE ORIGINAL CONTRACT ; OTHERWISE IN CALIFORNIA, AS IN THE CASE HERE, THE FEE CHARGED ON XXXX/XXXX/2016 WAS ILLEGAL.IF THE CREDITOR THINKS ITS LEGAL PUT THE TOTAL AMT PAID AND DATE PD ON THE CREDIT REPORT
Equifax stored my personal information for their own benefit. In doing so, they did not provide adequate protection for that data. My information has likely been stolen according to their website lookup tool.
i am financing a car from XXXX through the XXXX bank in XXXX ma, i have never seen any statistics or report concerning my car payment,, why is that? i have been paying for this loan almost a year now .. the loan is under my name and wife name and only it shows up on her credit report not on mine as well ... so any suggestion how to bring my history back on my credit report because it affects my scoring issues.
My credit report shows an account that Unifund LLC is reporting as a collection. I have contacted Unifund, have spoken with XXXX XXXX times. She told me they assigned an attorney to collect the debt. I initiated the call to Unifund and their attorney. Neither party can locate my " account ''. XXXX is treating me as an annoyance and this issue is causing me to delay buying a home. I called them to resolve this and I can not as they refuse or have nothing regarding this account.
Back in XXXX I was in the process of purchasing a home. I lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. While in that process I found out that I was a victim of Identity Theft and the person that stole my identity was using a California XXXX. I have lived in XXXX since XXXX my previous address was XXXX XXXX XXXX XXXX in XXXX XXXX the address which I lived from around XXXX until XXXX. Then after losing several houses that I had bid on and banks that denied me credit due to identity theft I finally got a bank loan after I had an Affidavit of Fraud sent out and had a stop put on my credit to help stop the fraud. I called so many agencies trying to get help. The FBI would not help me and at the time I had no where to turn. I finally purchased the home at XXXX XXXX XXXX in XXXX, XXXX XXXX. The incorrect addresses in XXXX listed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX are not my previous addresses. They were used by someone else. I have never lived nor even visited XXXX and I need this information removed. I tried to have it removed back in XXXX but it was never removed. I also had a freeze put on my credit for years to stop the person in XXXX from buying things. From what I understand they purchased furniture, Cell phones and possibly tried to get a car in my name. My birth date is XXXX. I also need my work place information corrected. I have never worked at XXXX XXXX XXXX nor XXXX and XXXX. My employer is XXXX XXXX XXXX XXXX and I have worked there for 19 years. I have the police Cheif XXXX XXXX XXXX at XXXX XXXX Police XXXX and has known me for 19 years and can verify that I have lived in XXXX XXXX Pennsylvania from XXXX until XXXX. You can also contact the Police Cheif XXXX XXXX at XXXX in XXXX XXXX that can verify I moved to XXXX XXXX XXXX in XXXX and still live at this address. Also the social security office and verify my addresses since XXXX of my children were getting XXXX back when I lived at the XXXX XXXX address. My daughter XXXX XXXX XXXX still suffers from XXXX now and still gets social security XXXX and lives here with me at XXXX XXXX XXXX in XXXX, XXXX XXXX. When I found out about all of this I was in contact with several police departments in XXXX and sent them all letters due to identity theft. I was told they were going to investigate this but lost contact over the years due to my moving and some of the documents being misplaced. I really thought this was taken care of and I really need to have this information corrected as soon as possible. Thank you very much.
I have been a royal credit card member with Capital one bank, so I made a call to the capital one customer service to upgrade my regular capital one card to the XXXX card One day, I went to the Capital one bank located in XXXX XXXX XXXX, NY to ask the banker the status of my update. She asked me to help her open a capital one checking account, which I said ok. Then she told me that I will receive a new credit in a few days. Several days later I got the card, but instead of receiving only XXXX quicksilver card, I got XXXX. Basically the banker applied a new one for me. I tried to call the branch, but the branch manager was always busy, and my credit score dropped by XXXX points. When I converted my card, the representative told me that I should n't have any points dropped since I did not apply for a new card. One day, I finally got a hold with the branch manager XXXX. He told me that he is going to investigate and call me back, but now its almost been a year, I still have n't heard anything from him.
Credit card was opened by XXXX XXXX XXXX XXXX in XX/XX/XXXX. Fraudulent activity took place on the card for approximately {$130.00} in XX/XX/XXXX. Charges were disputed with XXXX XXXX XXXX XXXX and was assured that late payments / delinquencies etc would n't be reported on the credit history because of fraud on the account. 

Credit card charges in the form of late payment / delinquent account still continue to appear on the credit report even after more than 120 days. 

Investigations of the disputed account by all 3 credit bureaus namely Experian, XXXX and XXXX  suggest that the reporting is accurate and have n't corrected the situation. 

Since, the dispute with the credit bureaus have n't yielded much success the FICO score has dropped significantly resulting in denial of credit.
I have been paying in my student loans for years and my taxes have been taken ..I started to question who 's loan this is since I have not been in college since 1989 and I wanted a pay history of all the payments that have been made because I could n't possibly still owe almost $ XXXX dollors still so when I was dealing with them dept of edu and I started questioning the debt all of a sudden I get notice I am with a collection agency and now I cant deal directly with the dept of edu any longer I have to deal with the collection agency
On  XXXX  I filed a claim with the insurance company  (   XXXX   XXXX   XXXX   XXXX  ) which handled the insurance for  Select Portfolio Services Inc  .  the funds for the damages where sent to  SPS Inc.and  my name., seance  XXXX    XXXX  , I have tried to SPS realize the funds to fix the dueling but as today is been a run a round., I have spoken to the loss draft department with  XXXX   XXXX  to this number  XXXX  she has requested contracts, inspections etc. all has been done but she does not realize the funds to fix the house.,  Claim  #  XXXX   Loan  #  XXXX