WillisBack/dataset-financial-user-claim huggingface dataset:
They flagged my account on the credit bureaus as collection. I have no idea who they are and I certainly am not in debt with them.
I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.
On XXXX/XXXX/15 a direct deposit was made by ACH using a link to fund my account at Scottstrade Bank. 

A few days later a request was made for the sender to provide a statement of account sending funds, the sender who was paying me refused on privacy grounds. 

No fraud has been found, the sender did not request his money back. 

It is now XXXX/XXXX/15 and the bank refuses to release funds without statement disclosure by sender. 

The link was made by getting the routing number and account number and the sender providing the verify code of {$1.00} in XXXX deposits [ ie cents totalling {$1.00} XXXX The bank closed my account without stating why. So i requested my money which i had been paid for previously by the direct deposit. 

Can they do this after this ammount of time and state it is undetermined when i will receive my funds upon account closure.
I was checking my free credit reports at annualcreditreport.com. I was able to view XXXX, XXXX, but not Equifax. When I clicked on the link to view the Equifax report, a page stating that the system was not available and to check back later. Once I returned to annualcreditreport.com, it showed that I had viewed the Equifax report and would not let me back in. I have gone to the Equifax website, but you must purchase a product in order to speak with a person. The links on the Fair Credit Reporting Act for their site are not active. They do not have any phone number that will get you to a person to help with the issue. You ca n't even order a credit report without signing up for a monthly subscription. I finally ordered a report and score over the phone because the phone was not clear as to what needed to happen in order to just get a report. I paid the {$19.00} just so I could get a copy. This is yet another example of how these agencies are allowed to control your financial information with no recourse. I have a very common name and have had several mistakes on my reports over the years. It is amazing to think that the consumer has to pay for their mistake. I also sent a complaint to annualfreecreditreport.com, however they are a government run agency, so they obviously have not intention of responding to the issue to resolve the matter.
On XXXX XXXX XXXX, US bank, opened a claim on my credit report for {$880.00}. XXXX years later they closed it and XXXX bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than XXXX years since the initial debt was defaulted. I called XXXX to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by US Bank first in XXXX which closed it out in XXXX then XXXX in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?
I initially spoke to XXXX on XXXX XXXX. They did not give me an account number or any information other than that it was a debt from XXXX XXXX XXXX, the amount they want to collect from me, and that if I had n't called them they were going to " take further action '' to collect on the alleged debt. They did n't offer to send me any letter or documentation and did n't tell me that I was supposed to receive any kind of documentation from them. I should have received some kind of letter in order to prove or verify this debt shortly after they initially spoke to me, but I 've received nothing at all. 
They have tricked me into telling them financial information about myself and my fiance, and the XXXX time I spoke to them and told them again that I have no money and no way to make a payment on this alleged debt, the person I was speaking to asked me " Are you saying that you 're refusing to pay for services provided? ". I did n't know what to do so I hung up. 
They did n't tell me that I do not have to provide them information about myself or anyone else, or that I can tell them to stop contacting me. The only reason I know that I 'm supposed to have gotten a letter and can make them stop calling is because I found out via a XXXX search. 
I can not send them a request for more information or a complaint via their website because they 've never given me an account number. I do n't want to call them because I now know they will not notify me of my rights and they will try to trick me into saying things that I do n't have to tell them or will make me look bad.
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERCC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I went into XXXX for a XXXX because I had a XXXX that required a prescription medication. I sat in the waiting room for over 4 hrs. Once I was called to see the doctor and told them specifically what I needed done they told me they could n't service me for that situation and that I would need to go to another location to be seen. I told them what I needed was only a prescription for the issue and to be seen to make sure that that is the issue because I was told by the pharmacist that in order to get that particular medicine I would have to be seen by a doctor. The doctor then told me that they would just write up a prescription for me without seeing me ( which is illegal ) and then I left. Now they are charging me XXXX for a hospital visit where I was never seen and given medicine that did n't even help the situation in which I originally went in for. I shouldnt be charged for services I did n't ask for such as an urinalysis and emergency room visit when I went in for a pap smear that couldnt be done.
On XXXX XXXX XXXX, XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX used car department of XXXX, Tx. This was a voluntary owner surrender of motor vehicleto lien holder Chase Financial Services Inc. where vehicle was originally purchased XXXX XXXX XXXX. As owner of XXXX XXXX I could no longer afford the monthly payments of {$490.00} per month, since retiring XXXX XXXX, and now currently drawing Social Security. Since returning vehicle to dealership, I have received numerous calls from Chase Financialservices in their unorthodox attempt at renegotiating another contract on the same vehiclefor which is totally unaffordable according to the in-house financing requirements they would have consumer expected to pay. On XXXX XXXX I received a phone call fromChase Financial Services again about XXXX yet this call was threatening and belligerent in nature from a manager within that organization. Under his terms if I did n't accept taking the XXXX back I would be subject to having my XXXX wages garnished by their dealership. I can consider this harassment and unethical practice towards consumer who no longer wants and can not afford dealing with Chase Financial Services Inc. especially after such a belligerent conversation from their management staff. As a XXXX XXXX Worth consumer and a XXXX Veteran I will certainly never do business again with Chase Financial Services. The rates for their used vehicles are tremendously over blown for any market financing, and unethical staffing does n't help theirrating in the community of XXXX.
I purchased my condo in XXXX, GA in XX/XX/2017, mortgage processed by XXXX XXXX XXXX but sold immediately to Guild Mortgage Co who is also serving the loan and handling the escrow account. 

My monthly escrow payment amount has been approx {$210.00} to {$220.00} for the last 24 months. I just received a notification that my escrow will now be {$760.00}!!! 

My taxes went up by {$2400.00} in one year, so I have a negative escrow balance of {$1700.00} which I offered to pay in full but have been advised by Guild that I can not do so. Also, they NOW are requiring I deposit an additional {$2000.00} into the account. This feels like extortion! 

My payments were {$1200.00} and now will be {$1700.00}. I can NOT afford this and as a result could lose my home!! AND If I do qualify to refinance my loan to a new mortgage company I will end up paying in excess of {$3000.00} in processing fees!! 

FURTHER, my home was appraised at $ XXXX and I put down enough to get the loan balance under 80 % of the appraised value, but because I purchased my home at $ XXXX Guild refused to waive PMI at the cost to me of over {$46.00} per month. 

This seem criminal to me and I can NOT be alone with this problem. XXXX PLEASE INVESTIGATE. 

XXXX XXXX
Experian reports my Revolving Credit Limit as {$110000.00}. 
Adding up the open credit cards ( XXXX ) they list in the same report, comes to {$44000.00}. 
They are unresponsive, uncooperative and abusive. 
I 'd like to get this apparent error either corrected or the provenance of the number explained but Experian is rude, unprofessional, and exasperating. 
PS, do n't fall for the 'it must be the real estate loans ' because they are reported accurately and no mathematically correct way exists to get the numbers reported to match up. 
PPS, the 'upload ' dispute system does n't work and, after going through all the hassle, you get a message that tells you to send in your complaint by snail mail. Even that would be OK if it worked. 
I anticipate that Experian will deny all, that, in my opinion, appears to be their MO. 
Please publish this.
XXXX XXXX XXXX company, continues to report to the credit bureas although the account I had with them is over 10 years old. the Account is to old to be on my report and it should be removed. I have filed numerous complaints. and it still shows up.
Ca n't pay late fee so they want repossession of the car and i told them i can cancel my gap and pay it but that 's not good enough.
I BECOME AWARE THAT CAPITAL ONE AUTO FINANCE REPORTED IN MY CONSUMER CREDIT REPORT A BALANCE DUE AMOUNT OF {$6800.00}. THIS VEHICLE WAS ILLEGALLY IMPOUNDED WITHOUT MY CONSENT OUTSIDE MY POSSESSION. THE VEHICLE WAS SOLD IN AN AUCTION BY THE TOWING COMPANY. THIS ALLEGED DEBT WAS CHARGED OFF AND I HAVE NO MORE OBLIGATION TO PAY SUCH INACCURATE AMOUNT AND AS PER 26 US CODE SUBSECTION 166- ( Worthless Bad Debt within the taxable year )
On XXXX/XXXX/XXXX ( 46 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 1 hour and 32 minute conversation with Equifax Reps ), XXXX/XXXX/XXXX ( 32 minute conversation with Equifax Reps ), and XXXX/XXXX/XXXX ( 27 minute conversation with Equifax Reps ) I attempted to contact Equifax to resolve the issue of being unable to access my dispute results, log in online, or thru XXXX as I was told my information was part of the Equifax breach. It is very frustrating and no one there seems to care, be concerned, or go above and beyond to be helpful in resolving. 

On XXXX/XXXX/XXXX, I was sent an email saying I my dispute results were ready to be reviewed. When I tried to it said my information was wrong. I can not log in to see my dispute results or into the XXXX XXXX. I initially thought ok maybe something is wrong with system and would just try again the next day. 

On XXXX/XXXX/XXXX, was my longest conversation and attempt ever. I contacted Equifax only to be passed/transferred around to about 6 Reps in which none were very friendly or helpful even after requesting to speak to a supervisor or manager (  denied ). I was told I have no credit report when I know that I do. They proceeded to make me feel as if I was crazy by asking if I was sure I have credit and was I sure of my log in etc. I also had requested to be warm transferred each time because it was exhausting and very time consuming to have to keep explaining the issue over and over to the next person. Each time they lied to me and would tell me they would warm transfer me but I was just dropped in a queue to the next person. Mind you this is during my work day. Each time I was told there is a glitch with the system and that the next person would be able to help me. 

On XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Same runaround with the conversation and issue. I couldnt take being passed around so after 2nd and 3rd transfer attempts I disconnected the call. 

No one can provide a resolution. I was told there is a glitch but no resolution. This is very concerning to me and super stressful as I am attempting to buy a house at the moment.
My US Bank Small Business account was charged overdraft fees for XXXX transactions for which funds were available at the time which the transactions were preauthorized.
There is an address on my report for XXXX XXXX in XXXX, Texas. I have never lived in or rented a place in XXXX, Texas. I was in the military and XXXX, Texas. I have been living at my current address since XX/XX/2000. As an XXXX in the XXXX with a house note and XXXX children I did not have the money to pay for XXXX residences + care for my children and household here. XXXX is also outside of the travel area I would have had to put in for passes to travel that far. Between my children 's school attendance and my duties working at XXXX XXXX XXXX which meant that I seldom off both Sat and Sun which would have left me with no time to travel to and from XXXX even if I wanted to. I have tried to contact the address but was told that the property had changed hands many time and they could not verify any information on the person they rented to. I know that there is/was a XXXX XXXX listed in the XXXX area but it is not nor has it ever been me. I would like to have this address removed from my report.
According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.
I am a co-signor on my daughter 's student loans with Navient XXXX XXXX XXXX. We have been paying on her loans, on time for over five years. On XXXX XXXX. XXXX my daughter initiated the paperwork require by Navient to have me released as her co-signor. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX we mailed and faxed all of the necessary documentation to Navient but received NO response from them. On XXXX/XXXX/XXXX I contacted Navient via telephone and was informed that they never received ANY of the documents I had mailed and faxed multiple times. I as then then given ANOTHER fax number, XXXX XXXX XXXX. Again, we faxed and mailed the necessary paperwork on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date we have received NO response, nothing. The monthly bills have ALWAYS been paid on time. When I try to contact them via telephone I am transferred multiple times, left on hold, and often just disconnected. On the rare occasion that I do speak with someone they report that there are NO notes in the system from the MANY prior phone calls. We are need help getting this cleared up, contacting them is pointless.
I have had continuous problems with XXXX XXXX. They are taking advantage of people with student loans under the Public Service Loan Forgiveness ( PSLF ) program. They will not consider taking into account I have made over four years worth of payments to XXXX XXXX before moving my loans to XXXX XXXX in XX/XX/2017. XXXX has yet to tell me how many total payments I have made toward my 120 qualifying payments before the loan is considered forgiven. I have made numerous phone calls ( more than 5 ) to get an answer to this question and have not received back any consistent answers. They currently say they have my loan under a review, but that it could take months for them to make a decision about how many of my payments should qualify for their program. They also claimed they would not considered any payments that I paid ahead ( I explained I did this because of building interest ). I was promised calls back numerous times and no one reached out to me or returned my calls. I have been with XX/XX/XXXX for over two months and have yet to receive any notification of how many qualifying payments I have made nor have I received a date of which I could expect to be eligible to apply for loan forgiveness.
In XX/XX/XXXX, I attempted to make a monthly paymentfor my second note, which was refused. The balanceis now showing {$0.00}, which tells me it may have beensold or transferred to another servicer. I have not received anyof this via email ( preferred ) or regular mail. I now am two monthswithout a payment on the XXXX note because Ido not know who to pay. The servicer has beenOcwen and in trying to call they will not answer myquestions. I left a voice message : no response. 
I left an email message with no response. I attemptedan online email request to their Ombudsman and the responsegiven is the loan does not exist with no match forthe loan number or my soc sec number. 
I finally reached someone on the telephonetonight, and they tried to transfer me to anotherperson. I asked if they were transferring my callto another servicer, and the rep said no. She wastransferring me to another section in XXXXwho could answer my questions. I asked if myloan was transferred to another servicer, and shesaid she could n't answer, which is why she wastransferring me to someone who had the clearance. 
This morning I received a call on my home phone, but was too late to answer. They did not leave a messageand, when I redialed the number, got a fast busy signal. 
I have had people call me at work yet they do not leave a message.
I 'm on monthly payments under Bankruptcy Chapter XXXX to stop the foreclosure, my Attorney try to get Loan Modification and the Bank denied all the time, which I 'm paying very high APR XXXX since XX/XX/XXXX.XXXX on XX/XX/XXXX sold the mortgage to Seterus. I would like to know if qualify about the high interest or some thing else.
An inquiry was made to my credit bureau in error from XXXX XXXX XXXX services. XXXX states they notified Equifax of this error and asked Equifax to remove. Equifax has not removed the inquiry. I disputed and was advised to contact XXXX. I have a letter from XXXX but Equifax will not accept the letter nor remove the inquiry. A consumer can attach paperwork to disputes for anything other than inquires or demographic information. There is also an address in XXXX SC on my credit report. I have not lived at this address, as its my mother in laws address.
I do not know the name of the bank. I will provide the address to the home. Over the last four years, I have worked on undue influence that may have been done because I am a XXXX XXXX. Doctors have worked with me to help a great deal. Though I have many areas to resolve and this is one of them. 

The mortgage company was sold. I worked with the existing one to get caught up. Due to my injuries and not knowing about them I would become fatigued. 

They would not even acknowledge that my ex-husband was supposed to assist with these matters in court documents. I am not sure where he ever went to though and got very little assistance in that matter. 

Address of the house XXXX XXXX XXXX XXXX, Ohio XXXX under the name of XXXX XXXX and XXXX XXXX XXXX XXXX. 

Court documents show his pension was to go to child support and he was to assist paying for the siding and the housing payment until it was sold. none of these events occurred.
I XXXX applied for a payday loan with MyPaydayLoan.com. I never spoke to a representative to finalize it yet they deposited the money anyway. I emailed them and asked that they not, but they did. So I figured I would get it paid off. {$300.00} was deposited into my checking account and I have paid {$90.00} to date. I revoked automatic withdrawal of payments and MyPayDayLoan.com refused to provide me with a mailing address to mail payments. Today I received a threatening email from MyPaydayLoan.com. I can not access any information about my account. I can not make any payments. I can not find any mailing address. This is a predatory scam. I want this stopped. I owe {$210.00}. I will pay {$50.00} bi-weekly starting XX/XX/XXXX MyPayDayLoan will remove any negative reports against me via my SSN. MyPaydayLoan will provide me with an address where I can send payments.
My prepaid visa debit card was suspended. I was told I needed to fax them XXXX current id 's which I did. Now they say they need proof of address because I use a po box . I am a motorhome salesman and do n't have a home address. I stay at different campgrounds. They wo n't send my funds to my po box and close my account. It seems they just want to keep my money and keep my card inactive even though the balance shows over XXXX dollars.
I have a lone through Navient this loan is a XXXX XXXX XXXX. The loan is over {$100000.00} Even though the loan is in my name my son pays it monthly. he can only afford to pay the very minimum which is {$680.00} monthly. He has been steadily paying for two years. The loan keeps going up. Last year in XX/XX/XXXX it was at {$100000.00}. Now it is up to the {$100000.00}. This is completely insane. The loan is now almost double what his actually education cost. At this rate he will never be able to pay it off. We are looking to resolve this. There needs to be a light at the end of the tunnel. In two years he has paid {$16000.00}. When my son signed applied for the school we were told we had to apply for a XXXX XXXX XXXX to assist with the cost of the school. I had know idea that it would be this costly. This is a racket. Please help.
I 'm a veteran and I 'm trying to purchase another home. BB & T has incorrectly reported my late payments on my previous mortgage to the XXXX major credit bureaus. They reported that I was 120 days late on my XX/XX/XXXX payment when it was the XX/XX/XXXX payment that was 120 days late. Due to this incorrect reporting, it is preventing me from getting financed for a new home. We have worked with BB & T for the past XXXX weeks to fix this issue with zero results.
These items do not belong to me and need to be remove from my file. Attach you will find a copy of items and my police report
I have an HSA account with XXXX. Because it charges monthly fees, I decided to open a new custodian account at XXXX. 

On XX/XX/XXXX, my new custodian sent the transfer request to XXXX. However, XXXX claimed it never received the request. 

On XX/XX/XXXX, I asked my new custodian to send the second transfer request. On XX/XX/XXXX, I called XXXX to check if it has received the transfer request. The customer service representative said they have not received any forms. 

During XXXX to XXXX, XXXX continued to charge me {$14.00} fees. I expressed my frustration to the CSR over the phone. She later told me that they did receive the form for XXXX XXXX, but not XXXX XXXX. Obviously, it was a lie. 

I expect the XXXX can process my request and send my money ( and refund of extra charge ) to my new custodian immediately.