WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. I applied for a vehicle loan so my credit was ran. I was told by a loan officer that i have XXXX accounts with Capital One. XXXX accountis is open, this account I 'm aware of. The XXXX account I 'm not aware off, this account is reported as Force Closer. I contacted Capital One was told that this account does not exist. They will be mailing me a fraud report. How do I go about getting this fixed on my credit score? I hope you can help me with this very important issue. You may contact me at XXXX or by e-mail at XXXXXXXXXXXX. I appreciate your time and help.
A company called cashnet has provided me a credit of {$1000.00} and have been taking over {$200.00} every other week. Specifically : {$240.00} on XXXX/XXXX/XXXX ; {$250.00} on XXXX/XXXX/XXXX ; {$270.00} on XXXX/XXXX/XXXX ' My account # is XXXX. The credit still stands at about {$1000.00}. I should be grateful if the Bureau could investigate and resolve this matter. 
email : XXXXXXXXXXXX
These inquiries is on my credit report and I need them all deleted from all three Credit Bureau, I never authorized these hard inquiries XXXX XXXX-XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- -XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- -XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX ( twice ), XX/XX/XXXX ( twice ) XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  -- -XX/XX/XXXX
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the Navient Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked Navient to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Hello on XXXX/17 a fraudulent company advertising magazine ads that were supposed to be in our local grocery store set us up on a payment plan with them. We paid {$190.00} in cash, {$190.00} on credit, and the balance was another {$480.00} on credit. We found that the company was fraudulent after speaking with the local grocery stores. Citibank refunded our {$190.00} but refuses to refund the {$480.00} amount because the merchant provided fake XXXX shipping labels showing they shipped something to our area. I have provided not only documentation from the grocery store stating that this was fraud but also information from XXXX  with other customers who have been defrauded by this company. I have attached all communication with Citi Credit Card and all the documentation that shows no good or services were received.
Integrity Asset partners is a debt buyer who is helping continue a scam set out by a scam portfolio debt seller. They say they are hiding behind a non disclosure of who they purchased it from. They also sold it to XXXX which threatened with legal action if I did n't pay them, do not mirandize, and juice the amount that they say was an original loan amount when in all actuality the loan never existed. integrity is the only thing in their name that is actually in existence. They knowingly purchased bad cheap paper and sold it to people they did not do their due diligence on.
I filed an complaint with Barclays bank of XXXX on XX/XX/2015, I advised Barclays that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA
This started from my landlord retaliating against us after we attempted to get the home energy efficient and we spoke with the Commerce Dept.. 
They contacted him. He 's a poor excuse of a landlord cuz upon move in he made me do all the cleaning. 
We got to the point of receiving a 2nd unlawful detainer, and we 're evicted XX/XX/XXXX then : A 3rd party collector gets involved, who made no attempts to contact me prior to the garnishment.!!! In XX/XX/XXXX I noticed that I was being garnished, I discovered that it was XXXX XXXX XXXX located out of XXXX. I sent a letter immediately for proof of the debt, validation & the amounts. It went unawnsered. I am frustrated because I 'm not able to get a statement to show the balance, payments and credits. The case # used is for a paid case. Previously, XXXX XXXX, was atty. of record and we took in a large cashiers check to pay the amount owing. We requested a copy of the receipt & copy of the check from XXXX office but have not gotten it yet. I did not get notified of the transfer to Credit International hearing or the wage garnishment. It appears that they sent my paperwork to a erroneous address. Furthermore, the garnishor has illegally withheld our personal items that we had in the garage and failed to return our last months deposit/security or a detailed statement. Please investigate this matter and determine if I overpaid this 2nd judgement. I pray that you will get the answers that I 've tried to obtain. 

Case # XXXX this is the correct case #. The case # XXXX had been paid except minor atty costs of {$300.00} approx. Otherwise on the XXXX XXXX day it would have showed all that 's owed to him.
I have called this company several times to let them know that i have dealt with this account directly with XXXX. XXXX has advised me multiple times to deal with them directly to resolve this matter. Now it is reporting on my credit report and i dont owe XXXX XXXX anything
My mother died XX/XX/XXXX and I am a XXXX % beneficiary of her IRA. I wish to transfer this account from Wilmington Trust to XXXX XXXX. I initiated this transfer XX/XX/XXXX and six weeks later the assets have still not been released by Wilmington Trust.
Ditech mortgage has been charging me escrow since XX/XX/XXXX. my taxes were always paid by me. They have overpaid the City of XXXX XXXX taxes 2x and are not correcting the problem. This all stemmed from a XXXX charge from DiTech on XX/XX/XXXX, I called to make sure it was it was cleared up because they said I did n't pay my taxes in which I did. I sent them proof. XX/XX/XXXX I paid my taxes and Ditech paid too. I specifically stated that I pay my own taxes and insurance from the beginning.I sent a letter showing a credit XX/XX/XXXX in the real estate tax office of XXXX. I told them not to pay the City of XXXX XXXX because they were paid. They paid anyway and charged me. I also have always paid an extra {$1000.00} extra principal. I can not get this straightened out as they keep overpaying my real estate taxes and refuse to send me a copy of a letter they sauy sent to City of XXXX XXXX for a refund. 
This is the worst mortgage company I have ever dealt with in 20 years. 
Please help. As of today they are charging me for escrow and the city has a XXXX credit of real estate taxes in my account.
We lived in XXXX XXXX in XXXX. We moved out in XXXX after giving 60 days noticed. We recieved a bill at our forwarding address for a unpaid electric and we paid the bill. In XXXX XXXX, more than a year after we moved out, the other lease holder, XXXX XXXX starting recieving calls that we owed the apartment complex {$3000.00} due to a broken lease. The lease was not broken and their records should show that our current lease was up. I still have record of the notice we sent in. Also, as we understand it, they are not allowed to charge us a debt unless we are given notice within 30 days, which we were not. They have our current address and our phone numbers, so it makes no sense why we received no notice until a year later and at this point have yet to receive any paperwork or an actual bill in regards to the debt. They had no right to charge us, especially without notice and now the debt is not only in collection, but I have been receiving calls about a lawsuit in an attempt to collect the debt.
This complaint is to inform you that transunion has failed to respond to my inquiry dispute letter that I have sent certified mail on XXXX XXXX, 2017. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, transunion received my Dispute letter on XXXX XXXX, 2017.
There have been several major problems with Caliber Mortgage, as I have complained about their failures 2 times -- -failure to post payments ( signif. amts ... {>= $1,000,000} since XX/XX/XXXX ), failure to update my account accurately -- -in turn, failures to report accurate info to XXXX Credit Bureau XXXX My credit score is suffering, due to inaccurate reporting info. Also, they say I owe for XX/XX/XXXX -- -not true. And they 're threatening foreclosure action, even tho I 'm paid up on mortgate..thank you.
My father purchased XXXX savings accounts for me and my siblings in XXXX and XXXX. He passed away in XXXX and had given the savings certify ficates to my sister to hold for him. 
My sister whom forgot about them, did n't disclose that we had them until this year. 
Their have been XXXX bank mergers since the original opening. 
I have contacted the current bank which is Fifth Third Bank in XXXX, Ohio Ohio. This bank has branches in XXXX, FL where I first began my search. The Original bank was called XXXX XXXX, with branches in XXXX, MI and in XXXX, XXXX XXXX etc when they were first opened. This bank was later merged with the XXXX XXXX XXXX. 
I believe in XXXX XXXX XXXX was merged into another bank named Fifth Third. 
My sister and I whom is a senior citizen also, went into the XXXX XXXX, MI branch to cash them. They said that they would check it out with their main office, as they had no record of our CD 's. 
I then contacted the main branch located in XXXX, Ohio and spoke to a spokes person there for several weeks. I sent into then a death certificate of my father and copies of the CD 's. 
The answer from them was a dead end. They accused me or a family member of cashing them in, which never happened. 
My attempts have been endless either online and going into Fifth Third Branches in XXXX, FL where I now live. 
My sister is XXXX years older than myself and has XXXX. 
I do n't know what do at this stage after endless attempts to cash them. 
The bank has stated to me that the CD 's are worthless, and to rip them up. This a ridiculous statement to make to a citizen of the USA, and to be allowed to get away with this. 
My brother, has XXXX who I 've tried to include in my inquires. 
Hopefully, your department will be able to research my CD 's and retain funds after 33 years of opening them from my father. 
Hopefully, here I will be able to fill out the correct directives required by your department.
In 2014 my debit card with XXXX was compromised and the issue was corrected. There is a letter from the company, case with Illinois Attorney General, and affidavit. This matter was resolved years ago and I owe nothing. This was theft and a debit card. This company almost three years later is reporting false information to XXXX and XXXX. They have been falsely reporting a closed matter on my credit report for two months. I was never given proper notice that this debt was being reported until I checked my credit report today
I bought my townhouse about 7-8 years ago for XXXX and I put 20 % downpayment. About 6 years ago I got some assistance reducing the monthly payment since I was laid off. Now my mortgage rate is about 5 % and I 'm still paying as if I had not pay the 20 % down payment because townhouses in the area are valued at around XXXX. I want to see if there is the option to reduce my interest rate and payments, my credit is good and so is my payment record. They want to charge me for closing costs on a home that is underwater? that 's unreal.I also want to know who owns the mortgage, Citi, XXXX XXXX?
In XX/XX/XXXX I signed loan number XXXX for $ XXXX with XXXX XXXX, and soon after they filed BK in New York. The then servicer XXXX promised me a no cost loan modification with the Federal Government HAMP program. I have made all my payments to all the servicers including XXXX XXXX loan number XXXX on time and was never late, therefore I received Principal payments from the Government which were never applied correctly to my loan. In XX/XX/XXXX I got divorced and had to file BK. My non negotiable instrument somehow allegedly changed hands from XXXX Loan Number XXXX to XXXX loan number : XXXX to the recent Caliber loan number XXXX. Now I have come to understand via a ruling of the State of California that chain of title has been broken and that my contracts have been breached. Therefore I have had to hire the Consumer Law Attorneys to investigate my loan and attach a signed authorization for Caliber to  send them all the requested documentation as soon as possible.
I am currently unemployed, due to my current financial situation between XXXX XXXX XXXX XXXX I was assessed {$430.00} in overdraft fees by BBT. I have exhausted all communication with BBT which ends up in me being frustrated. BBT 's Rep 's are not showing any mercy towards my current situation. An unemployed person can not paid back {$430.00} in bank fees.
I AM A RECENT GRADUATE OF XXXX XXXX UNIVERSITY. I GRADUATED IN XX/XX/XXXX WITH A XXXX XXXX XXXX IN XXXX. I AM MAKING A COMPLAINT AS OF TODAY XX/XX/XXXX BECAUSE IT IS ALMOST IMPOSSIBLE TO PAY BACK. I AM CURRENTLY LOOKING FOR A JOB IN MY CAREER FIELD THAT WILL PAY ENOUGH TO START MAKING PAYMENTS OR AT LEAST GET THEM OUT OF DEFAULT. MY MOTHER AND GRANDMOTHER HAVE FEDERAL LOANS IN THEIR NAMES ON MY BEHALF AND NEITHER ONE OF US ARE ABLE TO PAY THE LOANS BACK. DUE TO UNFORESEEN CIRCUMSTANCES IN REGARDS TO FAMILY AND FINANCIAL HARDSHIPS IT HAS BEEN A BURDEN RATHER THAN A BLESSING. I CAN NOT BEGAN TO HAVE A SUSTAINED LIFE WITH ALL OF THE DEBT FROM SCHOOL AND IT IS STILL BEING ACCRUED. IS THERE A WAY THAT SOMETHING CAN BE DONE TO ELIMINATE ALL OF THESE LOANS CONSIDERING WHAT OUR JOB OCCUPATIONS ARE OR IF SOMETHING CAN BE REARRANGED.
Spoke with someone  at Southwest Credit Systems at appr oximately  XXXX  this mornin g (   XXXX   ).  He asked me to verify an incorrect addr ess ( an address I have not lived for at least 20 years ). I would not verify the address and he asked why I would n't. I told him that I had no idea who he was nor the   company he was with. Upon hearing that, he again told me the name of the company, but did not say who the original creditor was. He said " well since I have your address, I 'll read it to you and you can say yes or no. '' He read it again, and again I said no. At this point, I was irritated with him and told him that I was going to file a complaint with the FCC and he hung up. He called me from  XXXX .
I continue to receive telephone calls from XXXX. The company denies making the calls, but the calls continue. The caller ID reads " Navient ''. If Navient is not making the calls then the company should be motivated to find out who is using their name. One of Navient 's subsidiaries ( General Revenue Corporation ) has been linked to this number. I can provide pictures from my caller ID that provide the date, time, and caller information. I have picked up the receiver, and no one is there. The company is making illegal robo-calls.
I have a Federal Perkins Loan. Each year, I submit a cancellation application to XXXX University because I am a teacher in a low-income district. I have been doing this for six years. In XX/XX/XXXX, I was notified that a payment was due to ECSI Heartland and that my loan was now being serviced by them. I contacted them by phone, email, and mail and never received a response. I was given a ticket number by them, and they admitted to me that they did not respond to my claim that my loan is in cancellation. Last month, I was notified by my credit monitoring company that a missed payment was reported by ECSI Heartland. I immediately got in touch with a supervisor and she told me she would handle the negative credit reporting. It has now been three weeks, and nothing has been resolved. My account is still delinquent, the negative credit reporting is still on my account, and no one has been able to answer any of my questions regarding cancellation, including the supervisor XXXX XXXX.
A public collection from Midland Funding has been entered on my report, the account was never validated to be mine, however, a judgment was granted due to me not receiving notification. My pay checks were garnished for a debt that was stated to be from 2005. It had not been on my credit report prior to the garnishment.
upon dismissal XX/XX/XXXX of employment at XXXX XXXX XXXX, i was sat down under duress and was told and directed to sign a promissory note to pay back company in loss prevention. i do not owe the company money as i did not commit the monetary fraudulent transactions. This action lacked consideration. i was interrogated for over 3 hours and was held against will, no food, water, or bathroom was given to me upon requesting. The individual took my cell phone was going through it provoking me, making me fearful of never seeing my kids again, threatening me throwing papers around the room, he was demeaning and intimidating me. i would not voluntarily sign anything, and my original statement was ripped up. This action was reviewed by court on XX/XX/XXXX and my case was credible and i was gained my unemployment benefits.
Back in XX/XX/XXXX, I joined XXXX ( XXXX ) and left for training. I had called the original creditor ( XXXX ) to have my account put on hold in accordance with the Servicemembers Civil Relief Act ( SCRA ) and explained that I would be away on XXXX. The representative explained to me that my account would be placed on hold and that I can reactivate it upon completion of my XXXX. I finished my XXXX around XX/XX/XXXX and was then at the time able to reactivate my account. When I called, they informed me that my account was closed and sent to collections for failure to pay. XXXX charged me over {$1000.00} in fees and late payments due to a failure on there part to abide by the SCRA. The debt collection was sold to XXXX. A little over two years ago, back in XX/XX/XXXX, I started receiving the initial contact from XXXX. They were unable to provide adequate information regarding this debt at the time and it was also apparent that the debt was past the applicable statue of limitations. I contacted XXXX credit reporting agencies informing them of this agencies actions and intent which in turn the credit reporting agencies verified this and removed any and all information of this collection from my report. It is now XX/XX/XXXX and I am being contacted by Diversified Consultants, Inc. about this debt yet again. I am currently still on XXXX and XXXX. This new agency has informed me that they received this debt and are attempting to collect this debt on behalf of XXXX. I have informed this new agency that this debt is now nearly 8 years old, still not properly being verified and to cease with the collection of this debt. I come to you with this issue because I have done research into XXXX. I have discovered that they were actually sued in court, found guilty of multiple violations of FCRA and most of these violations have to deal with attempting to collect on " old '' XXXX accounts. I have also discovered that they were barred from selling debts that they have received which it appears they have done. Again, I just wanted to bring this to the attention of the bureau and any assistance, feedback or acknowledgement would greatly be appreciated.
PNC Bank has been charging our family overdraft fees of {$36.00} for paying the item and XXXX days later the items paid are returned to the merchant an a reverse item fee of another XXXX is charged to our personal and business accounts.
Fraud alert placed on National Consumer Telecom & Utilities Exchange consumer report. 

Consumer reporting agency above refuses to send copy of report I am entitled to see as a result of fraud alert placed. 

NCTUE Disclosure ReportXXXX XXXX XXXX, GA XXXX
On XX/XX/2019 I notice that XXXX XXXX XXXX was reporting on my XXXX, XXXX, and XXXX  Credit Report an amount of {$660.00}. I send a letter requesting a signed contract with my signature due to me having no acknowledgment of this company or account
I contacted this company via us mail in an attempt to verify this debt. I received a letter in the mail that I owed XXXX, then the amount reported was XXXX on my credit file with XXXX. I disputed this amount with XXXX and the company in returned reported that I owed XXXX. I never received a right to dispute this debt from the company as well as never received any debt verification. The company sent a letter stating that I owe XXXX in which I paid them directly ever bill I owe. I contacted XXXX XXXX XXXX and they said that I have a XXXX balance with them and they have no idea of what this company is collecting.
I did paid off Discovery Card with XXXX Bank XXXX XXXXXX/XX/2015 on-line XXXX. A few minutes later I found that money on account XXXX Bank is not enough and I deleted this transaction. I made a payment in a few minutes through the XXXX XXXX Bank in the Discovery Credit Card. However, I found that Discovery still withdraw money from my XXXX Bank account XXXX times and each time the XXXX Bank took with me {$35.00} for insufficient funds in my account. 
I spoke with representatives of the Discovery of this, after I discovered that they did not return the money in the XXXX Bank, I spoke with the manager XXXX. The money was not returned to me, and even then XXXX again withdrew money from my account at XXXX Bank on XXXX XXXX. My question is who will pay me {$100.00} for the " insufficient funds in my account, '' XXXX told me that this will make the XXXX Bank. When I was in the branch of XXXX Bank, they told me that it is the fault of XXXX, and they owe me the money back. 
I ask your help in this matter. 
Thank you. 
Sincerely. 
XXXX XXXX