WillisBack/dataset-financial-user-claim huggingface dataset:
A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX and was sent to XXXX XXXX for collection. They only gave me last XXXX digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.
I had a bank account with Wells Fargo Bank in Arizona, and they gave someone a {$10000.00} unsecured loan. I reported as a fraud and asked to see the video of the transaction but the bank refused to show me who made this transaction. The bank told my husband I received the money and they told me my husband received the money. No money was returned to me and they still show me owing this amount even when it is showing in the fraud department. And can't provide any Proof of signatures or identification on this {$10000.00} cash loan.
Transworld has an item open on my credit report for XXXX XXXX for {$530.00}. I have already resolved the payment directly with XXXX XXXX. The account is now paid in full. I have the confirmation letter from XXXX showing it is paid in full but it still remains open on my credit report with Transworld. I would like Transworld to delete this from my credit report.
Yesterday I received a call from XXXX at XXXX stating that my name was part of a complaint filed and I would be getting served. I needed to make available someone willing to sign some documents on my behalf. She said she was with a law firm. 
I called back and spoke to XXXX. She said I was being sued by check into cash for {$220.00}. Docket number XXXX. 
I told her I paid this debt last year/early this year. She stated I needed the letter. I told her to give me some time to pull my bank statements but that I never received the letter. 
I pulled up my records ( written and bank ) and saw where I paid {$100.00} every 2 weeks to XXXX XXXX XXXX. With the final payment of {$110.00} being paid on XXXX XXXX, 2015. I spoke to XXXX about this transaction. The number on my statement is XXXX. 
This morning I tried to call XXXX and no numbers work so obviously, I believe I have been scammed. 
I called XXXX this morning to ask her the name of her firm. She said XXXX Law. I asked if she could tell me the court the summons was filed in. She could not. I asked her who the process server is, she could not tell me. Her ext. Is XXXX. 
She asked for my email and said she would look into it. I gave her an email I do n't use. 
Now, I have to research XXXX and XXXX and hopefully can recoup my monies if I was scammed. 
Please look into both companies.
ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP
I have aske d First Ten nessee to review the way they have been reporting my credit to the  XXXX  credit reporting agencies. On  XXXX   XXXX ,  XXXX  they stated " we reviewed the account and found it was charged off on  XX/XX/XXXX  with the first date of delinquency being  XX/XX/XXXX . '' They further explain " based upon our research, we have determined that the information we originally reported was indeed correct. '' Federal law requires them to report with accuracy and integrity. They are not required by federal law to report any information. First Tennessee has reported the charge off on my credit report for the past 73 months. A charge off is a one time IRS write off on a worthless debt. Reporting the charged off every month does not meet the " integrity '' of the credit reporting. I spoke to  XXXX  in customer care on or about  XXXX   XXXX ,  XXXX  and she stated that " We do not remove information from the credit reports. We treat everyone the same. '' That tells me that I am not the only one that been effected by this type of reporting. I had  XXXX  credit cards closed by  XXXX  banks even though I had not missed a payment for two years because of the way First Tennessee has reported this account. I was turned down for a mortgage in  XXXX  of this year, not because of the charge off, ( after all it i s 6   years old  ) but because First Tennessee has reported it every month making it look like a new charge off. First Tennessee bank has caused personal damage to me as I have been turned down by  XXXX  credit card companies,  XXXX  mortgage and my ability to rent a home.
Please remove this account from my credit report XXXX XXXX XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
In XXXX of 2006, We attempted to refinance our home. I was asked to provide check stubs and did so showing my accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX  XXXX/Wachovia/Wells Fargo generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from Analyst to Vice President. So without my knowledge, of this fraud, they approved me for a loan that was already illegal to sell to consumers in Illinois ( XXXX mortgage ). Then, they took out a default insurance policy in anticipation of my default. I was also unaware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. They first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not following the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, I am not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. We also put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, they lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I do not have a mortgage.
I submitted a police report to Transunion for Fraudulent accounts on my credit report, They placed a 7 Year Fraud Alert on my report ... Someone is STILL usuing my information to inquire about obtaining credit, I ca n't stop these fraudulent inquiries with them not providing my correct phone number. My credit has been ran NUMEROUS times. No phone call, to approve request so I could tell the, it 's CLEARLY not me applying for credit. I 'm attaching a list of the Inquiries, all with a XXXX date are Fraudulent and should be removed according to the FCRA guidelines.
SPS ( Select Portfolio Servicing ) sent me a letter making claims regarding my case. The XXXX claims that they made were erroneous. The letter appears to be a threat of impending eviction.
This company Collection Consultants of California has been harassing us over a year by phone calls saying we owe a hospital bill that we know anything about. They keep calling and adding interest on to the bill. We beg them to please sent us an itemized statement of what this is. We never received a bill. We always pay our bills on time and this company has attacked our credit rating. It is wrong to attack out rating when they will not supply us with the information. I do n't know anyone who would just write a check to any company who claims you owe {$10000.00} with out any proof of what it is you owe. So I am filing this complaint with you. I went on our credit report and disputed this debt with XXXX 
I just got back in town after being gone for 3 weeks moving my daughter across country to college. In my mail is a bill from Collection Consultants of California for {$10000.00}. The assigned amount from the hospital is {$8500.00} plus XXXX in interest to this company CCOC who claims we owe this. In this envelope is an itemized statement from the hospital from XXXX of XXXX with my name on it but the wrong address. So someone at the hospital had been sending this bill to the wrong people then they send it to the collection company and they start harassing us and not sending us the itemized statement that we requested a year and a half ago. This whole time this company CCOC has had our correct address and can clearly see the bill from the hospital was incorrect but yet they refused to send us the itemized statement so that they could continue to charge us interest and ruin our credit rating. This is horrible to do to people we had incredible credit score and this is the only company that has messed up our credit score and harassed us and is charging us interest on something we new nothing about cause it was sent to the wrong address because the hospital put in the wrong zip code. CCOC had our correct address and could of fixed the problem over a year and a half ago. illegal and dishonest!!!
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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 XXXX , XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX   ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Continuous calls beginning in XXXX thru the present day. There are several every day and at various times of each day. The only information provided is United Collection Bureau and phone number XXXX No information is given re what the debt is. To our knowledge we have no outstanding debts. We have contacted the XXXX XXXX XXXX of XXXX OH and were contacted by XXXX XXXX, Accredited Business Operations Facilitator at XXXX XXXX. She stated in an email to contact you. We have our phone on the do not call registry since XX/XX/2003 but it is not working. Can you help resolve this?
I opened a Bank account with Bank of America about 2 years ago, shortly after opening this account I was the victim of theft of my iphone, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when Bank of America called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from XXXX on my consumer report. I followed all of the directions given to me by both Bank of America and XXXX. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both Bank of America by mail and to XXXX by Dispute. I have made at least 4 disputes to XXXX and I sent a XXXX dollar bill in the mail I sent to Bank of America with the police report they specifically requested for the removal of my name from XXXX. I called the risk department 2 months after mailing in to BOA and they claimed they never received my report and money. XXXX has also failed to send the information to BOA as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.
I have been a Best Buy Credit Card Account member since XXXX XXXX 2007.  During that time I was unknowingly and unwillingly signed up for a Debt Protection Program that has charged me XXXX dollars a month that I thought was going to my principal. This morning, I received notice that I had to pay {$420.00} just to get my credit card back to its limit, even though I have n't made a purchase using my credit card in almost two years. I was unaware of this because I have made monthly payments on time through recurring payments, yet my account balance has grown. I got to the bottom of it and realized that all the money that should have been going to the principal was going to this program that has provided me no service. I found out, through calling that service that Citibank works with, that I have paid a total of {$1600.00} in fees to this Debt Protection Company. This is not counting all of the extra interest it as cost me to Citibank and Best Buy. The resulting total is thousands more. I have been a loyal customer to Best Buy for over 10 years and feel like, not only I was taken advantage of, but literally was stolen from. I submitted a claim for a refund but was told that I would need 30 days to hear from them and nothing was guaranteed and at that time my only option if I was n't happy with the out come was to write a letter to the following address : XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX, XXXX. So I realized it was the BBB and I contacted them. They told me to file a complaint, but I could n't because it was " a business with a complaint for collections purposes with another business. '' I then called Best Buy Citibank Headquarters and they told me there was nothing more than I could do.
On Tuesday, XX/XX/XXXX, I received an email from Simple, the company that handles the accounts for BBVA-Compass bank. The email informed me that my prepaid account with them had been suspended because of an outstanding bill in the amount of {$700.00}. This was both perplexing and angering for three reasons of import : ( 1 ) I have never had a bank account with BBVA-Compass, other than this prepaid debit card, and have been unable to find any listing on the two credit reports I checked ; ( 2 ) I am perplexed what that bank has never made any attempt to contact me directly instead of using their surrogate, especially in view of the fact that I have had the Simple card for well over one year ; ( 3 ) I have all the communications I have received from Simple, but nothing from that bank ; I can forward those to you if you so desire. I have subsequently closed that account, especially after being told that I can never, ever again have a Simple debit card account. Any clarification you can discover in this obviously incompetent debacle will be appreciated. For certain, I have NOT had an account with BBVA-Compass Bank, for do I owe it anything ; quite the contrary! Thank you, XXXX XXXX, XXXX, Florida
After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, XXXX XXXX XXXX did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to the reporting agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at XXXX XXXX XXXX to no avail as well. I never consented for anyone at XXXX XXXX XXXX to access my credit files nor was I contacted by XXXX XXXX XXXX to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by XXXX XXXX XXXX be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX:XXXXXX2016 and XXXXX.2016
I use my bank 's automated bill pay service to pay my monthly minimum for my Amazon XXXX Credit Card issued by Synchrony Bank. My due date is the XXXX and my minimum is {$50.00} to which I add {$5.00} for a total payment of {$55.00}. Synchrony receives this payment on the XXXX of each month. In the month of XXXX ( likely due to the holiday weekend ), my scheduled payment failed to process on time. My bank notified me of the failure so I made a one-time payment on Monday, XXXX XXXX through Synchrony 's website for {$55.00} dollars. The payment was 1 day late. When the billing cycle ended on XXXX XXXX, Synchrony assessed a fee of {$25.00} for the lateness. This fee seems to have been added to my minimum monthly payment for a new required payment of {$76.00}. I did not notice the increase. 

On XXXX XXXX, my bank processed my regularly scheduled {$55.00} dollar payment. Because it did not meet the new minimum, I was assessed another fee of {$35.00} for lateness. This cycle repeated itself in XXXX, XXXX and XXXX for a total of {$160.00} in fees and a minimum monthly payment for XXXX totaling {$200.00}. Synchrony bank made no reasonable effort to contact me about the delinquency on my account until XXXX when their collections department reached out by phone. I was receiving a regular monthly statement via email but because the payments are automated and were going out as scheduled and because the emails did not mention any problem with my account that would warrant further investigation, I was not aware of the issue. By the time Synchrony called, they had already assessed four months of late payment fees and were seeking a {$200.00} payment to bring my account current. 

While this lack of communication is atrocious customer service on Synchrony 's part, my complaint centers around what I believe to be an instance of illegally pyramiding fees. As I understand our regulatory laws, a credit card company can not apply your payment to a fee first and a minimum monthly payment second so that the amount can not satisfy the minimum monthly requirement and cause the customer to incur yet another fee. Since I continued making on-time payments that satisfied my minimum payment less fees, it seems to me that I should not have incurred additional late fees after XXXX. During this time, no new purchases were charged to the account that would have otherwise affected my balance and minimum monthly payment. The only change that can account for increases to my minimum monthly payments are the fees Synchrony added to my account. 

Please apply your legal expertise in this case. If Synchrony is not in compliance, I seek a refund of all fees incurred after and as a result of the XXXX late fee and a return of my minimum monthly payment to {$50.00}. I have reached out to Synchrony bank and they agreed to remove XXXX the fees but refused to lower my monthly payment for XXXX and could not guarantee that my minimum monthly payment would return to previous levels in XXXX.
Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have XXXX and Experian Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.
In XX/XX/XXXX Attorney XXXX XXXX help to take my home of eighteen years. 

He did not do any research to learn of the history of my loan. I paid off the loan I had with XXXX XXXX XX/XX/XXXX. The Deed of Trust was documented in XXXX County register office FZ page 4716. XXXX was paid in full by XXXX XXXX XXXX {$11000.00}. 

XXXX XXXX XXXX transferred my loan internally in XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I 've been told by them the bank was restructered, yet I was n't notified. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX located in Texas. 

I was n't notified, it does n't appear as though US Bank Home Mortgage was notified. Three different Federal Identification numbers was used, with the same loan number to report my XXXX-mtg interest statements to IRS. 

I just learned of this XXXX XXXX. I just recently received payment history for XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 

I was under wage earner when these transfers was done. Government records have been tampered with using my personal information. 

I recently pulled my credit report to learn that someone added a address for Michigan to my credit report. As I 've mentioned my credit report have been manipulated. 

The FBI told me to pull my tax transcripts to learn that XXXX was reported to IRS in XX/XX/XXXX. They was a sub-servicer for XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Loans did transactions on behalf of XXXX XXXX XXXX XXXX a division of XXXX XXXX XXXX/ their corporate office located in XXXX Texas . XXXX XXXX XXXX Loans was n't on my credit report when I filed bankruptcy in XXXX. 

This is/was a Breach of Contract. As I 've mentioned, I now have a copy of payment history from XXXX XXXX XXXX XXXX. I did n't make payments to XXXX XXXX XXXX XXXX, because I just recently learned of them/ XX/XX/XXXX.
In XXXX of 2017 I called PennyMac to request that all overpayments sent by electronic check be applied to principle rather than advancing the payment due date. The representative agreed and said the changes were made at that time. When my XX/XX/XXXX payment was applied to my account at PennyMac, they erroneously applied 100 % of the payment to principle instead of distributing it to principle, interest and escrow. I messaged them online and they promptly corrected the error. I was told the problem that caused the error was fixed. When my XXXX 2017 payment was applied, again 100 % of the payment was applied to principle. On X/XX/17 I messaged them to correct the error. They assured me the error would be fixed. When I checked on X/XX/17 the error had not yet been fixed and there was now {$30.00} late fee applied to the account dated X/XX/17. Again I messaged them online insisting the error be rectified. As of X/XX/17 the XX/XX/XXXX payment has now been re-applied properly ( to P & I and escrow ) to the account, but the late payment fee, which resulted because of PennyMac 's error, has not been reversed.