WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I went over Western Union web site to place and order for money transfer from XXXX FL to XXXX, XXXX. The order was posted and payed with Credit Card. Few minutes later a received an email stating that my money transfer is on hold until I contact them by phone. I made the call and the CSR told me that I must send over a photo ID to be kept on file for future transactions and verify my identity, since there was another person with my same name who was banned from making transactions with this company and they wanted to verify I was not that person. Since I realized that I have to send this personal information overseas, actually CS for this company works from XXXX, I decided not to do so, I do n't feel comfortable sending personal sensitive information over no where. I request my transaction to be cancelled and have not charge my credit card or reverse the transaction and give back the money that has been charged to my credit card. The CSR told me that he ca n't do that until I send over the information requested ( photo ID overseas ) or write down a letter of explanation to be send over to them, basically with the same information I was trying to avoid to send. I tried to find a phone number in the USA where to call, since this XXXX overseas seems not to understand why I did n't want to send my ID to them or that I was afraid of Identity thief. I contacted them also by tweeter and the response was the same, to call back to XXXX in XXXX. I decided to go to a Western Union office, and the person that attend my request in person was very understandable and offer to help me with XXXX and called them. He was very surprised to hear back from them what I was already told him about what they asked me to do, since I can show my ID to him, and copy my information but never keep a hard copy of my ID. Actually, when I registered on line my account with Western Union, I gave all information requested. At the end, I made another transaction, in person with this kiosk, payed this time on cash and the person in XXXX was able to cash out the money. So, my question, why is my money keep hosted? Since I was able to make this other transaction in person, why they still refuse to reverse the original transaction? I went over my credit card CSR and dispute this transaction in not receiving the service requested basis. I felt discriminated and alienated. My name is very common, but I do n't think that is reason enough to hold back a service, condition me because of my name, being stereotyped by my ethnic origin or place of birth. How many XXXX XXXX has the same problem?
This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the green card showing that the received the validation request over 60 days ago.
I am a victim of identity theft. Back in XXXX, my identity was stolen and used to open fraudulent accounts at various department stores ( including Macy 's ). I filed a police report and immediately notified all of the creditors. I have contacted Macy 's customer service on several occasions to have the account closed and notified them this was a fraudulent account that I did not open. They assured me they would resolve the issue and I did not owe the debt. I continue to receive statements and now collection letters for the debt. I sent them a certified letter stating the debt is not mine and to discontinue sending me statements or collection letters. Macy 's has ignored every request and continues to pursue this debt. I am going to also file a complaint with the FTC. It is illegal for them to continue to pursue a debt they know to be fraudulent. All of the other creditors have all closed the other accounts and cleared me of any responsibility. Macy 's is the only XXXX that continues to pursue this debt with someone they are aware is not responsible or under any legal obligation to repay.
This is in regards to 2 accounts that I have with XXXX XXXX. One  account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
XXXX  has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX  . XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
My attorney requested credit reporting companies NOT to allow claims for which companies DID NOT have an original signed document obligating me to pay a debt, specifically intended to stop collection companies who may have bought debts from posting incorrect or inaccurate information. See attached report posted to my credit report which has a negative impact on my credit.
Equifax continues to list the dismissed my Chapter XXXX bankruptcy that was dismissed in XX/XX/XXXX as confirmed within my credit file. XXXX and XXXX removed the Chapter XXXX from my credit report in XX/XX/XXXX, 7 years from dismissal date. I called Equifax 's customer service and spoke with two different associates located in XXXX. They explained that their policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years in keeping with the Fair Credit Reporting Act. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

I want this bankruptcy removed from my Equifax credit report as I am being denied credit and paying higher interest rates on credit cards and car insurance.
i recently had a fraud alert in place. i ordered a credit report and noticed there were many things included in that report that were not authorized by myself. I later disputed the items they were all removed ( XX/XX/2016 ) and then days later they were added back ( XX/XX/2016 ) i tried speaking with the company ( Equifax ) as well as faxing them supporting documents they refuse to admit they were at fault and told me to start the dispute process over ... ... it is not fair to me that once successfully completing the dispute process and getting the results craved that the company adds them back and without any reason and or written notice ... ...
XXXX XXXX XXXX, XXXX keep harassing me and my daughter about a old debt from 2004 that was charged off by Capital One prior to that. This law firm keeps sending letters and calling stating " i will be arrested for not paying. '' Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX. XXXX. I looked at my credit reports from all 3 CRA 's and none list this outstanding debt.
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, XXXX, XXXX, and Experian remove the following hard inquiries from my credit report : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you
I chose RP Funding as the mortgage company I wanted to use for my refinance of my home based on commercials saying they would cover all closing costs. I owe XXXX on my home, and am looking to refinance for a larger amount to buy another property for cash to live in or possibly flip to resell. I was also going to be putting 20 % down on the new property out of my own savings account which left me with a loan amount of $ XXXX. I was pre-approved by RP Funding for this amount and was told put the deposit down on the new property for XXXX. XXXX XXXX guaranteed that I would have no problems getting this loan due to my high credit score and also my low mortgage on my home. I completely trusted her and let the loan process take place which lasted XXXX XXXX months which was way longer than I was told. The process took so long because over a month later, XXXX XXXX called me to ask all the questions about the loan all over again like I was reapplying! I thought that for the entire month I was waiting on underwriting to process this loan but come to find out XXXX XXXX at RP Funding did NOT do her job! I was furious because I had to ask for an extension to purchase the new property. At this point, I have XXXX invested in the new property and l am starting the whole process over again with RP Funding! She asked for all my information yet AGAIN and now I am waiting on underwriting. I was told by XXXX XXXX that we could close by XXXX XXXX. Once again I waited over a month, having to ask for another extension to purchase this new property for cash from XXXX XXXX XXXX. They gave me another extension based on my proof of funds from RP Funding. XX/XX/XXXX comes around, I am concerned about closing on time because I do not want to loose my XXXX deposit. I called XXXX XXXX at RP Funding numerous times. She decides to finally return my call the day before I am suppose to close and tells me that underwriting came back with a counter offer that is XXXX short of the loan amount that I need! I do not have time to come up with another XXXX out of my pocket on top of the XXXX that I am already putting down in less than one day! Because of RP Fundings mistakes of lack of communication, loosing all my info after starting the process a month later and then telling me the day before they guaranteed I would close on the new property, I have now lost XXXX on my new purchase. I am devastated and furious at this point so I call the COO of RP Funding, XXXX XXXX and explain what happened. She says she is going to open up an investigation about my case. She promised to contact me after about 4-6 weeks to let me know if RP Funding was in fact wrong and would return the deposit money to me. Its now been 8-10 weeks, and I have called, emailed SEVERAL times and I have been completely ignored. RP Funding does not care to return any of my calls, emails and have completely ruined my chance at purchasing anything else in the future. I am very upset and demand an answer from RP Funding.
Coastal Credit,XXXX, XXXX, CO XXXX, issued a loan to me for a XXXX. I purchased the XXXX from XXXXXXXX, XXXX, CO XXXX ( Exhibit A ). I returned the vehicle prior to 3 business as the dealership violated the Law of the State of Colorado. I contacted Coastal Credit regarding the returned vehicle and instructed them to withdrawal their EFT payment to XXXX. The company refused. I hired the law firm of XXXX, XXXX, XXXX, XXXX, to defend me regarding the actions of XXXX employees ( Exhibit B1 and B2 ). In addition, I contacted State of Colorado Criminal Investigator, XXXX, to file a criminal complaint against XXXX. Attorneys for XXXX agreed to settle out of court and refund Coastal Credit for the cost of the loan. I continued to pay Coastal Credit timely payments until the lawsuit terms indicated I no longer had to as Coastal Credit was made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However, Coastal Credit refused to honor Colorado law and victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and XXXX was to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to Coastal Credit, returned the vehicle to Coastal Credit as I was directed by the court to do and I was not required to make any further payments to Coastal Credit. Coastal Credit failed to file theft charges against XXXX or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with XXXX, XXXX, and XXXX by Coastal Credit is a fraudulent entry must be removed.
XX/XX/2015 I detected, while checking my credit card activity in the website ( macys.com ), fraud activity in my account ( about {$480.00} ). Immediately after, I called the credit card dept. to let them know about the issue. They canceled my account, sent my another card with a different number, and told me not to pay the amount related to the fraud activity. I decided to pay the total amount of my debt, excluding the fraud activity, and stopped using that card. I have not use it since then.Days later I received a form where I should indicate all the charges that were not mine. I sent it three times, since I was told that they had not received them. Since then nothing has happened. I call the credit card dept., every week ; they have not answers. I have called the fraud department hundreds of times and nobody answers the phone. The waiting time is between 30 to 45 min. Who can wait that long waiting for someone to answer? The three or four times someone has answered the phone, during these eight months, they say that the problem will be solved in few days, and I am still waiting. Meanwhile, they have been charging late fees to my account every month affecting my credit scores. I honestly do n't know what else to do. The fraud activity, when you see the statement, is the following : XXXX XXXX Ats Online XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} Additionally, there are International Fees related to these charges for an amount of {$11.00}, which mean that they were made out of the United States. The first charge in the list, though, does n't have that fee.
Someone from the compa ny Oracle Financial Group LLC is  calling, representative named  XXXX   XXXX  's, is stating he 's an Investigator for  XXXX  County and will be serving me at my place of employment. I asked them to send a letter to my home address and they are refusing. They will only send me an email.
# 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # 3On XXXX XXXX, XXXX I received a notice from XXXX the account was referred to XXXX XXXX XXXX who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# XXXX placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XX/XX/XXXXThe above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when XXXX XXXX purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out to XXXX have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXXCopy of notice from XXXX XXXX XXXX XXXX XXXXCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection
i went through a loan modification with Bank of America and was told that if i completed the six year modification that all negative comments would be removed from credit report. i have tried to resolve the matter several times.
My mortgage was sold and servicing transferred and they are not honoring on the terms of the loan. They instituted foreclosure proceedings, then told me they would stop the foreclosure and modify my loan if I made three 'trial period ' payments, which I did ; However they did n't cancel the Trustee 's Sale, they merely postponed it until XXXX, and sent me a loan 'modification ' which is not a modification at all- it is a completely different loan. They said I should call my Dedicated Loan Specialist if I have questions, but I have called and emailed her every day for 8 days now and she will not return my call. If I do not accept this new loan by XXXX my home will be sold at Trustee 's Sale on XXXX.
This started with a dispute with a leasing company ( XXXX XXXX ) that claimed that I owed them money. They threatened legal action but instead went to a collection agency NCC Business Services , Inc. NCC sent a collection notice in the mail and I requested that they send proof of what they claim I owe. They in turn began to call me at home and work so I requested that communications be done through correspondence. After that I received a final bullying call to my cell phone and I reminded them to send a letter, instead they attacked my credit and reported negatively to credit agencies. I have yet to receive proof of what they claim I owe but somehow they have the right to tank my credit?
Account set up on auto deduction and paid on-time every month during the promotial deferred interest period. We moved on XX/XX/XXXX and didnt receive our statement to pay in full our account. We called on XX/XX/XXXX and updated our address, the company didnt advise me the promotional period ends on XX/XX/XXXX to avoid {$1800.00} being added to the account in deferred interest. Called company on XX/XX/XXXX, agent said we will get our statement in 7-10 business days. Again, the agent didnt advise me our 30 day window to avoid {$1800.00} would be added to our account on XX/XX/XXXX. Called on XX/XX/XXXX, received statement, found {$1800.00} was added to my account and my new balance was {$2500.00}. Spoke with XXXX and I explained the account should not have the added interest due to being set up on auto payment by the company to pay in full during the promotional period. She along with the help desk supervisor said we missed the date of XX/XX/XXXX by 9 days. Explained I moved and asked for the statement to be sent and would have paid in full if any agent on XX/XX/XXXX or XX/XX/XXXX would have provided me with this information since we had not received out statement. Spoke with supervisor XXXX ( XXXX ), and he also said there is nothing they can do to help me for this circumstance. Offered to just pay the remaining balance with XXXX and XXXX, both said they can not accept because we have passed the XX/XX/XXXX date. 30 days post XX/XX/XXXX. XXXX said the representatives are not trained to provide any information about the account unless asked specifically by the customer. Hence, the potential reason why the representative didnt inform me on the phone {$1800.00} would be added to my account on XX/XX/XXXX. ( Two calls : XX/XX/XXXX and XX/XX/XXXX )
The hoa attorney tried to add more money to my Hoa account, and using scare tactics to try and get me into a consent order. They-she refused to ever tell me what my true balance was in our settlement talks, I believe it was a lie just to conceive me into signing this consent order, when going over the bill. I never saw a settlement amount in the ledger they sent me. She also further stated her attorney fees was over $ XXXX for an illegal foreclosure that was suppose to voided out however, she still sent me information as though they should have been justfied. I have hired an attorney and plan to take action up with the state bar, and further a lawsuit The Hoa submitted a letter saying that I owed this $ XXXX in fees and when I disputed it, I was told that it would have to be paid to Clear the ledger when I was closing on my home I sold or that I would n't be able to close, the closing attorney informed me to take the action up with them on my own. The HOA XXXX XXXX XXXX refused to give me clear understanding about the amounts, and when question the attorney refuse to answer any of my questions. just kept sending me a copy of a consent agreement. I also was charged unfound fines, that attorney XXXX told me she would have credit back, The HOA seems to be bias and discriminates on people they want to without treating everyone fairly, The old president broke several rules and was never fined.
I applied for a XXXX XXXX XXXX XXXX Credit card and was denied. I received a letter dtd XXXX/XXXX/2016 stating the reasons for my denial was based on deliberate and egregiously inaccurate information provided by XXXX XXXX/XXXX. First they claimed by credit score was XXXX which is a complete fabrication, as my Credit score is actually XXXX from both XXXX and XXXX. Inadditon they provided Misleading information on my length of stay at my current home address, along with the fact that I had insufficient number of credit references and had limited deposits on file with XXXX XXXX XXXX. All information they deliberated fabricated was completely false, misleading, not even remotely accurate. It has cost me a significant saving on the purchase I was making at the time along with expenses of sending certified letters to the XXXX, the Credit Card agency and XXXX. As a reporting agency they failed to validate the information before denial or sending it to the bank.
I have a hard inquiry on my credit report from XX/XX/XXXX from XXXX in XXXX, Florida. that I did not authorize nor am I a customer of this bank. This inquiry shows up only on one credit bureau ( XXXX ) they will not help me. I called on XX/XX/XXXX and again on XX/XX/XXXX XXXX   they told me I would have to call and make a police report because they will not send me a letter head stating they ran my credit because I am not a customer. How is this even fair? 

Then when I call XXXX on XX/XX/XXXX they tell me i need a report from the bank and myself. I can not get the report from the bank. No one is helping me resolve this issue. Could someone please help in this matter?