WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX   2017   , I applied online for a   XXXX    position in  XXXX   XXXX , TX. I was interviewed by phone and was hired to   XXXX   XXXX   XXXX   XXXX  . The owner,  XXXX , stated he needed the   XXXX   XXXX   prior to his arrival so he would be mailing me a check for my 1st week of payment. On  XXXX   XXXX     2017,  I received a check for {$2400.00}. I called the owner and he explained that {$400.00} was my advance, {$50.00} was for   XXXX  supplies,  and the remaining {$2000.00} was for the realtor as the key would not be released until payment was received. I was given the realtor 's bank account information and told to deposit after I withdrew my portion. On  XXXX   XXXX , I walked in to  Navy Federal  and spoke with  XXXX     (  teller ) and explained to her that I was afraid the check  may b e fraudulent.  XXXX  stated to me that she would go ahead a place a hold on the check to ensure that it cleared. She advised to check my account in  2  business days, if the funds were available then the check was legitimate and had cleared. To my surprise the funds were available on  XXXX   XXXX , so I went in and withdrew the funds. The same day I went into the realtor 's bank  (   XXXX   XXXX   XXXX   ) a nd deposited {$2000.00} in cash to account number  XXXX   XXXX   XXXX . On  XXXX   XXXX , I noticed my  Navy Federal CU acc ount was negative {$2400.00}. I called in to the contact center and was told that the check came back as fraudulent. I immediately filed a police report with the  XXXX   XXXX  Police Department  (  case #  XXXX   ).  I have provided  Navy Federal CU  with all the documents they have requested including a copy of the police report, however, the issue has not been resolved. If  Navy Federal CU  had not allowed the funds to be released, I would not have proceeded any further and we would not be in this situation.
It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Wells Fargo has been taking advantage that my mortgage serviced has been putting my house payment at the wrong time. Wells Fargo pays it and bounces all my small payments. The small payments were presented to Wells Fargo at the same time, its like they have there own money machine. XXXX at a time to the amount of XXXX. I originally opened these accounts on line. The local branch closed third accounts and opened accounts that have monthly fees. My wife and I are on very tight budget Im XXXX and my wife is still working. We dont have this kind of money to loose. We would like to eat also.
Received Kohls ( Kohls/CAPONE ) credit card I did not apply for to my knowledge. My XXXX  report showed several " hard '' inquiries for the Kohl credit card - all dates were in close proximity to dates I had made purchases online ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ), the card was issued XX/XX/XXXX. Is it possible to " automatically '' apply for a credit card without my direct knowledge without filling out an application form? I disputed card via XXXX  & it came back as " valid. '' Not sure how this happened. I have no idea how this " application '' was generated or approved. Deceptive practices?
I purchased a product from XXXX  and I never received the product, Chase is accepting a fee of {$150.00} for return freight not credited back to me, I never asked to have it returned nor did i sign for it. The XXXX website even states clearly return freight is not allowed.
They call me numerous times a day with threatening voicemails about taking me to court and me having to pay court costs, but they have n't sent anything in writing stating why I owe them and for what, how much, etc. They are calling my previous place of business, my home ( which I never give out ) and my cell phone- I get at least 5 calls a day. Please help- if they would mail me validation of debt I would be more inclined to call them, but they have not. All they do is leave threatening voicemails. 

I do n't know who they are ( besides being a debt collector ) and why I owe them. They never stated what account they 're collecting on, and further more, when they call my old place of business they 're leaving a voicemail on someone else 's voicemail- this information should be private. It clearly says someone else 's name when the voicemail comes on- so they should n't be leaving a message with them at all. I have n't worked there in months. It 's humiliating because my previous employer is contacting me again about this. I 've told them to ask them to stop calling, but they clearly ( Cooper-Hoffman ) are not complying as requested.
I have written numerous times to Eqifax and I have asked them to verify a Collection on my report, I have written to the Company and tell constantly tell me the debt is mine. Equifax has only written to me telling me, the debt is mine. The debt is not mine and Equifax will not delete this from my report as the other two reporting agencies have. I would like your Organization to look into this from Equifax.
Well hard to describe specifics but for example Sence I never get the correct information from the bank phone or the branches I am told by bank phone to visit a branch to get help to get my account service when go to branch they refused to help me with no explanation and when I confront both one saids I don't know why they told you this and that and I get that same answer or excuse from both ends blaming each other but I catch my self going in circles and doing what they ask me to do believing they are going to help me and never get help and answers I need I fill like a puppet other words like they are playing a game with because it had happened very many times I drive far to visit a branch I spend gas money that I don't have and time and effort and I keep telling them how hard it was for me to visit a branch and they still continue to do it and I still haven't gotten the assistance that I need when complain about it some agents laugh at me like is funny and I have lots more to discuss but is to much I need to speak to someone to express all complaints is to much to write I can write a book about it
on  XXXX   XXXX ,   XXXX   i settle a debt of  XXXX  dollars for  XXXX  dollars, they were supposed to take it off, of my credit report, but they did n't they still show that i owe a  XXXX  dollars. I call them various times and asked to be fixed they always tell me that it is being updated but it is not.
I was issued a traffic ticket number XXXX. I requested a contested hearing within the 15 day time limit. See page XXXX of attachment. 
I did not hear anything about this traffic ticket until I was sent a letter from Transworld Systems Inc that I received on XXXX XXXX, 2017 that requested {$210.00}. See page XXXX of attachment. 
I mailed a dispute validity of debt letter today ( XXXX XXXX, 2017 ) Transworld Systems Inc. See page XXXX and XXXX of attachment.
I have filed a few complaints about BBVA Compass Bank. Their response was just posting the bill of sale of the motor vehicle and financial loan information without any explanation. BBVA Compass Bank also had committed fraud the information that was sent in response to me listed that the sales date of the car was XXXX XXXX of XXXX. I did not purchase the vehicle on XXXX XXXX of XXXX. I did not sign anything until XXXX XXXX of XXXX. XXXX XXXX was also the same day that I had put {$4000.00} dollars down as my down payment. So BBVA Compass Bank approved and made the sale of the vehicle on Monday XXXX XXXX of XXXX. I did not purchase the vehicle until Tuesday XXXX XXXX of XXXX. So that would be them either commuting some type of fraud or making the financial loan invalid. That making me Not Responsible
Ditech mortgage is misapplying my full payment to cover an escrow shortage. This is making my account appear to be delinquent. They have done this the past 2 months.
I purchased XXXX {$200.00} MasterCard prepaid cards at XXXX. When I tried to use them about 2 weeks later, almost all of the money had been drained from the cards. I contacted the card issuer, U S Bank customer service and was told to submit copies of the receipts and affidavits that I did not use the cards myself. I was told it would take 45 days to get merchant verification and refund my monies. I was sent XXXX new cards. Only XXXX has XXXX on it. Another one has XXXX. When I check the balance on the other ones, I am told that the information ( card number, expiration date ) is not valid. I am now out {$990.00}. The request was made to replace or restore the balance on XX/XX/2016. I have not used any of the replacement cards.
My payment was due on   XXXX   XXXX   XXXX    . On   XXXX   XXXX  , I made my payment. After making my payment, they tried to withdraw the payment from my checking account which caused a {$35.00} overdraft fee. The lady I spoke with admitted she made a mistake.  Again o n   XXXX   XXXX   XXXX    , they attempted to withdraw the payment again causing another overdraft fee. I called the store who referred me to the district   manager. I have tried several times to reach the district manager with no success. I notified the store of this to which they gave me the number of the regional manager. The regional manager does not answer her phone either.
Also when you apply for the loan, they tell you your payment is monthly only l  ater to be billed bi-weekly.
I need Wells Fargo to send me all the Inpection fees when Wells Fargo started servicing the loan and till the day of foreclosure. Payment history XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX pa XXXX My email is XXXX
I am receiving statements for a phone company which is not mine. This bill is in a state which I have never lived in. I have never had an account with this company. I have lived in Arkansas for the past forty years. I have tried numerous times to get this account removed from my credit report but all attempts have been unsuccessful. This debt is having a negative effect on my credit scores.
After multiple disputes, TD Bank has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay TD Bank.
There are several items reporting on my credit file that does not belong to me. These items are reporting as a result of identity theft. 

XXXX XXXX - on XXXX  for {$5600.00} XXXX XXXX - on all 3 Credit Agencies for {$520.00} XXXX - on all 3 Credit Agencies for {$0.00} XXXX XXXX XXXX - on all 3 Credit Agencies for {$75.00} XXXX XXXX - on all 3 Credit Agencies for {$110.00} XXXX - XXXX XXXX XXXX XXXX - on Transunion for {$63.00} Please remove unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This company holds a collection that I need deleted from my credit to obtain a mortgage. I was never notified that I owed the debt. I called to settle the account and have it deleted from my credit report and they are refusing to delete. They keep saying " it 's unethical '' and " you should have paid your bills. '' I have called numerous times and they just laugh in my face. All I want is to pay this old medical bill and move on with my life. I can see by previous reviews to the BBB that they delete but they are refusing for me. Why should I have to have this weighing down my credit score if I 'm willing to pay. I did n't even know I had the debt until I tried to get my mortgage and they told me to call and pay it and have it deleted.
I first discovered this from a statement from XXXX XXXX / Synchrony Bank dated XX/XX/XXXX for a charge from Belk Reward Card for $ XXXX.I I have never received any form of a bill or statement before this. Then I found out thru my XXXX credit report that the charge was reported as a negative on my credit report. Furthermore XXXX said the original charge was not reflected on my credit report until XX/XX/XXXX for {$74.00}. They said it was charged though back in XX/XX/XXXX. The late charges were being added thru the years to this account when I never once received a notice or bill until XX/XX/XXXX. 
Then to clear my account I made the mistake of paying this in full without my knowledge of these late charges or even who actually charged the original {$74.00}. Synchrony Bank told me if I paid in full it would be removed in 30 to 45 days from my credit report.I paid with a XXXX XXXX debit card in full the {$330.00} XXXX. I am disputing who made the charge and why I never ever received a statement until XX/XX/XXXX.I was then told by them it would be 7 to ten years before it would be removed. I pride myself on my almost perfect credit score and feel this is definitely some type of fraud that I would like to dispute.Please help me with this process Thank you, XXXX
I applied for a loan modification in XX/XX/XXXXwhich was denied and I kept trying for the loan modification until XX/XX/XXXXthey made an offer but the offer consisted of the same terms that was already in place. I did not accept so consequently, the Bank of America did not offer again for 6 years whereby they were not accepting any payments. 

However, in the interim I voluntarily released the property to the Bank and the Bank has sold the property ; but they are holding me hostage whereas I am not able to purchase any property for another three years. I assigned the property to the Bank in XX/XX/XXXX-XX/XX/XXXX. If the Bank has sold the property to another buyer I should not still have the negatives still on my credit report. It is unfair.
Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for {$440.00} I would like XXXX & Experian to conduct a fair legal investigation and once the investigation is complete remove the account. Please note XXXX has already legally deleted this account from my report..Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
My home loan is serviced by a company called LoanCare, LLC. My loan closed on XXXX XXXX of 2015. LoanCare claims that it began reporting my home loan to the credit bureaus 60 days after the loan closed. However, to-date, none of my credit reports from XXXX, XXXX, and XXXX reflect my home loan. I have contacted LoanCare twice by phone and three times via email ( at their request ) to resolve this reporting issue. I was contacted around XX/XX/XXXX and told that the issue had been resolved, and that my home loan would begin to appear on my credit reports on XXXX XXXX, and that I would be called and emailed to confirm that the numbers were reporting. It is XXXX XXXX, I have received no call nor email confirmation, and my credit reports are still void of any home loans. This issue has become particularly taxing because it prevented me from obtaining a competitive interest rate on a recent auto loan. In addition to that issue, my parent 's, who were co-signers on my loan, have also not seen this home loan appear on their credit reports. Recently, when trying to purchase a home of their own, they ran into multiple speed bumps in the process because the mortgage company could not account for my home loan on their credit reports. Their mortgage company, XXXX XXXX XXXX XXXX, called LoanCare, LLC to inform them of the problem. LoanCare 's response was that they have been diligently reporting the loan since XX/XX/XXXX. Since LoanCare is clearly not competent nor capable of reporting my loan information so that it appears on my credit reports, I am requesting forcible action from the CFPB so that I may receive the correct credit score that I have earned, refinance my home, and obtain competitive interest rates on other loans.
Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.
I wrote Experian certified mail XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX asking them to validate the following collection agency debt they say owe. I also wrote the reporting collection agency by certified mail and was sent my medical infor with no hippa release as well as Experian Credit Bureau Re-ageing these account. Experian claims they did their investigation and refused to delete inaccurant account. 

XXXX XXXX XXXX- $ XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- {$61.00} Date Opened XX/XX/XXXX Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX This grossly fraud by Experian and these Collection Agency I have listed.
Portfolio Recovery Associates accout number # XXXX was paid through a negotiated settlement in full on X/XX/2013 ... .. It was turned over to them from XXXX ( Banking ) ... .. Requested account be updated and close ... .. Other credit bureau agencies have accurate information of closed settled status ... ...
On XX/XX/XXXX I sent a partial bill pay to XXXX XXXX XXXX for the balance that was in my account at that time ( {$20.00} ). That night PNC drafted that money THEN charged me a monthly service fee for having a FREE CHECKING ACCOUNT of ( {$7.00} ) THEN overdrafted my account assessing both a {$36.00} overdraft charge and THEN a {$21.00} overdraft fee and now they are charging me a {$7.00} per day fee to which I have been told will continue causing overdraft fees and charges for the next fourteen days until the billing cycle closes which is a random date picked by PNC of somewhere between the XXXX and then end of the month at which point I will be assessed another round of the SAME FEES FOR FOURTEEN MORE DAYS. 

Endless fees. In my state yo can not open a new bank account or close an old one without paying the reported negative balance off which means I will never be able to banking services again since the fees will never stop and PNC refuses to close the account. I can not believe that this is allowed to happen since it is an intentional victimizing of people for being poor. I could get better financial help from organized crime.
I signed up for a credit card with XXXX XXXX Bank in XXXX XXXX, Florida. They apparently collaborated with BBVA Compass to issue cards for them. I pay my bills online through my XXXX XXXX Bank checking account. Most of my bills are paid electronically except for the BBVA Compass XXXX which would not accept electronic payments ( seriously? ). I would schedule the payments 5-7 days before the due date but would always end up with a late charge of {$23.00} and a finance charge ( I pay off my balances every month ). When I would look at my XXXX XXXX Bank transactions it would show the checks sent on time but for some reason Compass Bank would not " receive '' the payment until the day after the bill was due. I would call every month and complain about the late charge and finance charge and every month they would graciously reverse the late charge but would not reverse the finance charge. I believe XXXX XXXX Bank was scammed by BBVA Compass with no electronic payments and unfounded fees to their customers. XXXX XXXX Bank ended their relationship with BBVA Compass Bank for credit cards ( effective XXXX XXXX, 2015 ). As this was a cash rewards card I called BBVA Compass about my cash rewards balance being applied to my final statement but was told this was only credited on the anniversary date of the card, which in my case, is XXXX. So it looks like I was scammed with finance charges and now lost cash rewards! I am only one person and I know I am not the only one who was caught up in this scam.
They have a judgement on my report. It is not mine. Credit report file # XXXX I have call the court as well I have checked online nothing comes up i NEVER had a judgment against me. XXXX.do nothing comes up NO judgment. i have sent in a letter to equifax saying this is not mine and either remove it or show me proof that 's its mine. They sent me back a letter they validated it. They have not showed me proof even though i requested it in the letter. I called them and they say they can not show me. Either show me proof that its mine or take it off asap! If it is not taken off i will be suing them in court. For every single violation they have committed.
I am a victim of identity theft. The following credit inquiry on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX, XX/XX/2018 XX/XX/2018
Hunterwarfield debt collection company and I reached an agreement where I would pay {$2100.00} to settle a debt owed to springfield apartment and they would report the debt to Credit Bureaus as paid and closed. I finished making the payment on XXXX/XXXX/15 after XXXX payment and as of XXXX/XXXX/15 which is XXXX days later they have failed to report the debt as paid. I have spoken with XXXX and they inform me that Hunterwarfield has not reported the debt as paid even though customer representatives at Hunterwarfield keep telling me they have. At other times when I call Hunterwarfield they hung up on me. I would apprecaite assistance with this issue as Hunterwarfield promised me they would take 30-45 days to update the credit bureaus and have refused to do so and keep lying to me that they have.