WillisBack/dataset-financial-user-claim huggingface dataset:
Was paying to much for a XXXX XXXX ( {$660.00} ). They reposed the car and sold it for {$16000.00} ) and I do n't think I should owe them anything for as much as I was paying a month, I believe they could have gotten the {$9500.00} that they want me to pay now. Ally Financial harassed me at my job and when I would call them they would speak to me very harshly. They would call my place of employment 2 to 4 times on some days every week. I want this bill removed from my credit report and a paid in full credit.
My ex opened several credit cards and bank accounts in my name without my permission. American express being one of them. I had filed a previous claim and XXXX  took action on a card not reflected in my complaint. They took action on a card ending in XXXX. The complaint was filed on card number found in the ftc complaint attached here and the prior complaint. My ex used many of my bank accounts that he had hacked into to pay these fraudulently opened cards. XXXX  being the primary one, which I have also filed a complaint on.
After looking at several web sites to get my free credit report.

Was directed to annual credit report.

After in putting all my information, was told had a security problem, With receiving my report 1 ) no way to verify my identity 2 ) web page didnt ask any questions. 

Please contact me a.s.a.p. XXXX Now Im scared my information is out there on the web Please note ; I am in a XXXX  so there is not to of credit Activities but Im looking for false medical charges Thank you in advance XXXX ( XXXX ) XXXX
Hi my name is XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX ny XXXX phone number XXXX and I am contacting you because XXXX  is continuously reporting items on my credit reports that are fraudulent and do not belong to me and I have made them aware of this problem several times and have also sent them police reports to back up what I am stating, but yet this company still reports things that arent mine. This is causing serious XXXX related issues due to stress XXXX XXXX and the list goes on I can also provide my medical records if needed because my next step is seeking legal help if this issue isnt fixed as I am XXXX and also have a XXXX yr old XXXX child to take care of and this is all unneeded stress that could be avoided. Let me explain what this company does and maybe if you look at prior credit reports of mine you will understand what I have been going threw with this company. Everytime my credit score raises they add fraudulent accounts to make my score drop or delete accounts in good standing its a shame how these companies get away with the fraudulent activity they do but I have been studying XXXX  for almost 2yrs now and I will be filing a lawsuit this time if this issue isnt fixed. The items that should be removed because they are fraudulent and do not belong to me are {$290.00} Original creditor : XXXX XXXX XXXX XXXX Portfolio Recovery A Opened XX/XX/2015 + {$320.00} Original creditor : XXXX XXXX XXXX XXXX these are fraud and I want them removed at once from my credit reports
What happened? 
Complaint about the XXXX XXXX 1. Loan Originated : XX/XX/XXXX Just Mortgage, {$460000.00}, 6.5 % /annum, $ XXXX/m 2. XXXX XXXX  took the loan over 3. My husband XXXX XXXX passed away. 4. Mortgage payment getting delayed. 5. XXXX promise to give us Flex Modification that we can qualify 6. XXXX XXXX XXXX   took over the services : XX/XX/XXXX 7. The point of contact pretended not to know about promised Flex Modification 8. Push to complete the loan modification form without any terms and conditions 9. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 10. Ask to the point of contact to payment record for justification of the amount. 11. The point of contact wants me to ask to the customer services for the record. 12. Ive contacted the customer services for the records. 13. No answer as of today XX/XX/XXXX
For the past 8 months I have tried to have XXXX fraudulent accounts that were re- inserted to my credit by Transunion once again removed from my credit report and history. 
I supplied Transunion with my original police report that was also stamped by XXXX PD personnel, the accounts removed and re- inserted to my credit without notice. I have called and tried to get the situation handled by mail- its no use they continue to ignore my disputes. 
XXXX XXXX # XXXX XXXX # XXXX They have also failed to remove the fraudulent inquiries from my credit XXXX
My two private student loans are at 11.75 % and they will not give me the promised discounts with auto draft and their reason is i just don't qualify. These loans from Navient are impossible to pay off! I have tried to talk with them and reason with them and no help.
I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.
Chase Auto Finance is reporting to my XXXX report as a balance of {$560.00} is still due and is being shown as a charge off. This information is incorrect as the loan was paid off in full through my CHXXXX bankruptcy in XXXX in the amount of {$1300.00} this satisfied the loan and the title at that time was released. This should be reported the same as my other two credit reports as paid through CHXXXX account satisfied and closed. I have disputed this with XXXX and Chase numerous times with the standard response of everything is accurate and up to date. I filed a letter of validation with Chase on XX/XX/XXXX with no response as of XX/XX/XXXX
I was taken to  XXXX  hospital after telling ambulance driver to take me to VA. I did not know that  XXXX  and   XXXX   XXXX   XXXX   had sent me to a collection agency that had sent me to the credit bureau, until I was trying to refinance my home. I had gone to these companies, (  XXXX ,   XXXX   XXXX   XXXX    ) a nd showed them that I was a veteran they made a copy of my VA card and I told them to bill the  VA. thi s has been going on since   XXXX   This bill would have been paid by the VA if they had sent the bill. to this day they have not sent them a bill. I was told by  XXXX . the man that pays for non VA hospital stays, told me He could n't pay a bill if they did n't send him a bill. I took the charges on my credit report. and some bills that I later got from the collection agencies. I have also contacted  Congress man   XXXX  's office. I did everything I had to do. The hospital and   XXXX   XXXX   XXXX   should have billed the VA instead they ruined my credit.   Please help Thanks   XXXX   XXXX   XXXX
I filled out a credit app for Credit Karma and it said my information is wrong and that SSN is not mine.
XXXX XXXX XXXX bought a fraudulent account from XXXX XXXX XXXX. XXXX XXXX XXXX  had imposed fees not included in the term in either written or verbal form and, tried to collect the debt on their own by 12-19 phone calls a day. Some happening as frequently as every 15 min. After arguing about the 1st bills inaccuracy for 27 days the account was closed and placed in internal collections. XXXX XXXX XXXX ceased calls after 58 days. The account was originally openedXX/XX/XXXXand closed XX/XX/XXXX ( XX/XX/XXXX according to XXXX  ). XXXX XXXX XXXX  purchased the debt on XX/XX/XXXX. It was reported to XXXX in XX/XX/XXXXand removed from the report in the same month for Fraudulent reporting. On XX/XX/XXXX, XXXX XXXX XXXX   reported the debt to XXXX.
XXXX XXXX XXXX XXXX payments XXXX, XXXX and XXXX for {XXXX Charge off. This is not my account. We never received statements but learned this was on my credit report in XXXX XXXX.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Re : Acct # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX To Whom It May Concern : On XX/XX/XXXX I disputed an account reported by TransUnion in the file you maintain under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the BBB. Please govern yourself accordingly.
XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
My mortgage originated with XXXX which was taen over by Wachovia. I got a refinance loan from Wachovia. When Wachovia was taken over by Wells Fargo thid loan dissappeared. I called the bank day in day out looking for information about this loan. They could give me no information what so ever. I wanted to increase the payments in order to pay it off before I retired. All the secure emails relating to this problem were deleted, hence no evidence of my correspondence. I even sought my sister 's help as she lives in New York and could communicate more easily with the bank. Still no joy. i can honestly say I spent 4 years trying to get to the bottom of it. Then suddenly about a year and a half ago it appeared online with my checking account and mortgage details. Since the revelations about the ban I have gotten in touch with them again and have been told my account details have been forwarded for further scrutiny. It has not been resolved yet. I also transfer money internationally on a monthly basis and have been charged double for these transactions for ages. I complained about this last year and was once again fobbed, I would be most grateful if you could look into this for me as i am struggling to get this loan paid off and was unable to get payments increased before, so I feel it 's the bank 's fault that I am now left with this debt. Where did this loan disappear to for so long? I feel I am paying loan shark rates.
OCWEN, loan # XXXX refused my paments, then they pushed for forcloas a year later, which is now.
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number:XXXX Account name : XXXX . Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXXAccount Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX . Account name : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX
I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.
Here is a copy of the letter I submitted to our mortgage servicer, Nationstar. After further research, Nationstar did contact our county for the tax amount, however, nobody seems to be referencing the figures shown on our XXXX, which reflects amounts necessary to cover our escrow needs. That is my chief complaint. 

Letter to Nationstar-After repeated, unsuccessful attempts to speak with a supervisor regarding our concern, I 'm now attempting to make contact and get answers this way. I want to dispute the increase of our payment based on a faulty escrow analysis performed on our account. According to the CSR 's that I have spoken with, an analysis was done, and revealed that we were short roughly {$2000.00}. This was based on an analysis that was done in XXXX, and based on an amount paid to our taxing authority, XXXX County. Had your analysis been done correctly, it/you would have discovered that the amount you paid to the county was for the last 2 months of XXXX, therefore making it a faulty analysis. Had you done the analysis correctly, you would have contacted the county, or perhaps even read the HUD1, and discovered that the amount to be set aside should have been $ XXXX, or {$2100.00}. An amount that would have more than covered the tax bill. I will not accept, nor be responsible for paying in the rears, and making up for an error made by your company that appears to coincide with your purchase of my loan, and shows the incompetence of Nationstar to properly service my loan. We will continue to make the necessary payments in an amount that will satisfy all current needs on our mortgage. Any shortages from XXXX can be absorbed by your company as a result of your own error. Figures below are based on Escrow Disclosure Statement dated XXXX/XXXX/XXXX, and the original HUD1 from our purchase of the home. P & I- {$900.00} Escrow- {$180.00} Homeowners- {$83.00} ( an increase over the HUD1amount of {$54.00} to cover actual insurance costs with Travelers ) MIP- {$200.00} Total- {$1300.00} This is the amount you will receive on our due date of XXXX XXXX, XXXX unless I hear from you with another option to correct this mess. If this does n't initiate some dialogue, then I 'll be submitting a legal QWR to resolve the issue. Thank you, XXXX XXXX
I signed up for a XXXX checking account under a bonus point deal for XXXX ThankYou points if I made two bill payments in two consecutive months. I 've completed the bill payments and waited the 90 days + 30 and counting. I 've also confirmed with customer service that I am due to receive the points but still nothing.
A person from a collection agency representing a payday company call cash advance call me day and night, at my work place, e- mailing me making threats of arrest, insulting me, accusing me, and that if I 'm do n't pay right away I 'm going to be arrested and put in jail. is a very nasty person that do n't want to listen to reasoning. I 'm very stress out with this situation.
I filed bankruptcy in 2013 at that time my lawyer informed me i was elgible for the hamp program papers were file and the program were granted the new loan under this progam were set at 2 % for the first 5 years and my payment were $ XXXX.since then in a two and half year span my interest rate has remain the same 2 % but my mortgage has increased 3 times i am now at {$930.00}. which is now more than my original payment which were $ XXXX./monthly before entering into this goverment program .I dont think this program were intended to run this way because i am now in a wosrt hardship now than before the program. No notification are ever given and no reasonable explaination are ever given.This program were created to help people stay in their home with this server of my loan now i will loose my home and i have never missed a payment.
On XXXX XXXX, XXXX, my account went delinquent. However, I have been paying XXXX XXXX XXXX XXXX XXXX dollars a month every XXXX of the month since XXXX XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.
credit card for XXXX rewards card was opened in my name. Called and had card cancelled, Chased put it down as identity theft. Would not give me any details from the credit application ( ISP, alternate mailing address, etc ). Have since received two ( 2 ) more notices from Chase that I was turned down for an XXXX rewards card. Notified them both times that I did not apply for one and they marked them as identity theft. Chase will not give me any details, have n't yet tried to call XXXX. Chase says they will not attempt to block any future applications, they have to process them. Issue started in XX/XX/XXXX. & XX/XX/XXXX, then XX/XX/XXXX
On XX/XX/XXXX I was suppose to receive my direct deposit in the amount of XXXX. When I called in @ XXXX I was advised that I need to faxed in address verification by a supervisor which constants of a piece of mail and government ID. I sent this information @ XXXX and called back when I faxed in this information. I was told that it will take 4 hours to process and I will receive my funds by XXXX EST. When I called back at XXXX XXXX  they informed me that I needed to send in my social security card. After going back and forth with XXXX who was a supervisor, he then told me they were able to make an exception but sent my direct deposit back to my employer at XXXX XXXX. If I was informed this when I called in when sending the fax i could of contacted my employer HR department.
Bank of America converted my mother 's echecking account ( with no monthly fee ) into regular checking account ( with $ XXXX monthly fee unless certain conditions meet ), without properly notify the customer. My mother is a XXXX with limited english. She did not receive any communication with account change in XXXX language. She has her profile set to XXXX language as primary language with Bank of America. She thought everything was safe with her account since she had not been charged anything in last few years. She demanded to have the fee refunded and was declined by Bank of America. BoA prays on immigrants with limited english proficiency, and did not communicate in her native language.
I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.
I contacted Transunion on XX/XX/2017in regards to inquiries that appeared on my credit report and notified representative that i was a victim of their inquiry issue. Representative assured me that i was not affected by this issue but i was affected. My credit score dropped drastically and has affected me financially. This is my last resort in trying to repair my report and return it to where it was. Your attention on this matter will be very appreciated.
I previously filed a complaint against credit reports from XXXX apartments for an amount they have put against my credit that I do not owe them. I attached many pages of backup, but want to attach these XXXX pages from them XXXX states at the bottom of the letter- " Federal law gives you 30 days after you receive this notice to dispute the validity of the debt or any portion of it. '' " If you dispute the validity of the debt or any portion of it in writing within 30 days from this notice, we will obtain and mail to you proof of the debt. '' Do THEY not have to comply with Federal law also? I disputed in writing several times. I was told I would receive receipts and pictures, which I never received. Since they did not comply with Federal law within 30 days, I believe this claim should be null and void. I will not be blackmailed into sending them money I do n't owe them and this erroneous entry on my credit report will prevent me from being able to rent in the future, unless it is removed.
THE BANK OF AMERICA SENT ME A BALANCE TRANSFER OFFER FOR INTEREST FREE AFTER A % FOR TRANSFER. THEN WOULD GO TO XXXX. THEY NOW ARE SAYING THAT THEY ARE CHARGING ME XXXX WHEN OFFER RUNS OUT ON XXXX/XXXX/2018 THEIR REASON THEY SAY IS BECAUSE IT WAS ROUTED TO MY ACCOUNT. THE ACCOUNT HAD A OVER DRAFT BALANCE OF AROUND 46,000.00 BALANCE .SO OTHER WORDS IF THEY SENT A CHECK LIKE THEY HAVE DONE PRIOR IT WOULD HAVE STAYED AT XXXX. BUT BECAUSE THEY USED A ROUTING NUMBER TO SEND THE MONEY IT DOES NOT. SURLY I WOULD NOT HAVE DONE IT IF THEY HAD TOLD ME THAT .I WOULD OF JUST HAD THEM SEND THE CHECK.
I Filed Bankruptcy charter  XXXX  on  X/XX/2015    and was discharge on  XX/2015,  and Bank of America did not report to the credit Bureau any of my payment since them, my house was not included in the Bankruptcy I had call many time and they said that I have to re-affirm, the debt..   I went to the city attorney and He said California is not required do so ...   I called the Bankruptcy attorney and he want me to re-open the Bankruptcy and pay he 's fee plus  XXXX  court fees to re-open my case ...        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   California  XXXX   XXXX   XXXX   XXXX  Bank of America Loan #  XXXX
This number XXXX has been calling family and friends looking for us saying they want money from us for some debt and give no name as to their business or information about the matter but never have we received a call from them. When I looked up the number it was reported as a scam alert. Plus that number is not in service and goes to a XXXX voicemail service when called. The name my mom got was XXXX XXXX. She was uncertain as to the spelling of his last name. This has happened before and I do n't know how to stop it.
We receive two to three calls a day from Portfolio Recovery Services. When someone answers the phone no one is on the line.
A man called and said he was with Dynamic Recovery Solutions ( he called my cellular telephone ) did not identify himself 'only that we wasnted to discuss a personal issue. 

I did not call back -after I read Ripoff report and all of the other compliants on line. They did not even say who they were calling for. 

Seems like a scam