WillisBack/dataset-financial-user-claim huggingface dataset:
Williams & Fudge ( located in Virginia ) repeatedly called and harassed me after I asked to stop and hung up several times. This was all for a bill for my XXXX  school that was already paid for. They called me from a number that was disguised as my work office, or they called my work and had it transferred to me. I just checked my credit score, and it dropped 25 points from claims against my reputation.
sorry i forgot also in our complaint they said they talked to XXXX county about our taxes we live in XXXX county prof they have us mixed up
I have a loan with TD BANK USA/XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX TD BANK USA/XXXX XXXX   and with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
XXXX XXXX XXXX ACCOUNT NO. XXXX IN CARE OF RESURGENT CAPITAL SERVICES IS ATTEMPTING TO COLLECT FOR XXXX /XXXX A FRAUDULENT DEBT. 
They have placed this debt wrongfully on my XXXX  CREDIT REPORT. 
I NEVER ORDERED XXXX ANYTHING, NEVER HAD A CARD. 
I believe it is possible ID THEFT as I have had a problem with other accounts opened completely unknown to me.I had my car window smashed in about XX/XX/2015 and my purse with ID and credit cards were stolen.The XXXX XXXX police showed up and filed a report.
Hello.

I am writing about a student loan that has been paid in full for over 2 years now.

The account status from just Equifax appears as " Open '' and in " good standing '', with a balance of {$760.00}.

I have filed 4 disputes, which were quickly returned with the results indicating everything is correct ...

I have provided official loan fulfillment letters from both the college and loan servicer company indicating there is no balance, and it has been closed long ago.

I have spoke with representatives from Equifax on the matter as well, and was told that my dispite will not be personally reviewed.

There MUST be a technical issue, which has caused me to chase my tail for far too long.

I have all the documentation on demand ; i will also attach it.

Logically there is no way this account is still active, as I have not made a payment in over 2 years!

Thanks, XXXX
American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put  the money back in my checking account and when I asked them why they would do that then they came back and said they ain’t a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted $XXXX paid on the XXXX  of XXXX I paid $ XXXX and they still took that much out of her account and then they stole another $XXXX. That is not not right!
The car was towed by BMW and was damaged slightly. 
The payments were all made on time. 
I disputed the XXXX damages and the XXXX towing fee in Court. 
BMW supervisor on the phone said they would reduce it to the {$6200.00}. 
This was then paid off as agreed. 
XXXX and the other Reporting agencies have it correct. 

Please tell Transunion to change to Paid as Agreed. 
This is dramatically damaging my credit score and is not correct. 
Thank you
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX I have only had one account with XXXX XXXX and that account was paid in XXXX of XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into XXXX of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.
Transunion 's system had a glitch where they added back all the inquiries that had been removed and they never notified me that these items were being added back to my report. I know that this is a direct FCRA violation. My score rightfully went up after the removal and then went back down when inquiries were re-inserted. I have tried contacting Transunion for 2 days for assistance, but I get hung up on, transferred to dead air, transferred to supervisors I never asked for, or just placed on hold and no one ever coming back. I am trying not to get upset, but it seems that I am unable to get anywhere. Could someone please provide me with a resolution? I would greatly appreciate it. Thanks.
Nationwide Recovery Systems did not properly disclose their identity. They did not properly disclose Consumer Rights, not properly disclosing to family members of their consumer rights, leaving a message on a shared voicemail for a family member.

NRS did not provide my details in writing of the debt. NRS has not contacted or sent notice to my address. They did not disclose their identity properly as well.

I have the voicemail NRS left for a family member.
I told XXXX XXXX XXXX XXXX in XX/XX/XXXX that family members were abusing my social security number. XXXX XXXX XXXX confirmed this XX/XX/XXXX stating the family members are using a power of attorney without my knowledge /permission. Also XXXX XXXX XXXX transferred my loan in XX/XX/XXXX to XXXX. XXXX federal identification number was used, XXXX XXXX address in Texas was typed in. This was reported to IRS. IRS sent me a letter XX/XX/XXXX stating I am a victim of embezzlement. I was told there is property in Texas using my social security number. I sent you another identity theft affidavit certified, since you say you did n't receive the first one I mailed. In XX/XX/XXXXXXXX XXXX reported my loan to IRS in XXXX. Suddenly my loan is in Texas and the mortgages was being paid using The Tennessee Department of Labor funds, that was being directly deposited into my account and offset by XXXX XXXX XXXX allowed that did n't come to XXXX XXXX XXXX XXXX. My XXXX credit report reflects those payments in XX/XX/XXXXwhen I filed bankruptcy. The date of the loan was changed by family members to XX/XX/XXXX. If you need a copy please feel free to let me know via mail. I told you the family prepared my XXXX in XX/XX/XXXX after I was given an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the doctors office. In XX/XX/XXXX I filed a medical malpractice law sue. The attorney asked for XXXX dollars. In XX/XX/XXXX I received a settlement. Attorney XXXX XXXX XXXX filed the malpractice law sue as workman 's compensation and made my medical records public. I was laid off from XXXX XXXX XXXX of XX/XX/XXXX, a few days before you stated I was suppose to be notified of the transfer of the loan. As I 've stated I was under wage earner when this occurred. I was making payments to XXXX XXXX applied my payments. And reported to Transition credit on XX/XX/XXXX. XXXX XXXX was served a subpoena on XX/XX/XXXX to release me employee records and medical records to the courts. The company refused to do so. The case number is XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX. I 've reported this theft to the Tennessee Department of labor. XXXX XXXX XXXX did n't report my date to them. The family changed the date to get extensions using my social security number and account number to steal government funds. XXXX XXXX XXXX allowed this corruption. The family is involved in organized crime. These are very dangerous people, I stopped associating with them when I was much younger. I knew what they were capable of. No-one wants to listen to me. I never had an account to make payments to you using six digits in a wire check. You may want to to take me just a little more serious.
Multiple times I have attempted to have erroneous names and addresses remeved from my credit report and Experian refuces to comply. I have sent copies of my Driver 's license, Social Security number, passport, current electric bill, and credit card statement. Their " investigation '' continues to yield that the information is correct when it is not.
Navient was suppose to be trusted but all things listed below is what : created obstacles to repayment by providing bad information processed payments incorrectly overpay for their student loans ; harmed my credit
Fed Loans is reporting late payments in XX/XX/XXXX & XX/XX/XXXXthat are not accurate. I am constantly fighting with them and calling them with issues. I have not been late, they have been on an Income Based re- payment plan, for 5 yrs! I have to re-apply every year to get them my info and I do it, IN ADVANCE every year. This year they only lost my paperwork 3 times. I do everything I am  supposed to, when I am supposed to yet they get to do whatever they want and cause me late payments which are erroneous.
My name is XXXX XXXX XXXX on the XX/XX/2017 i wanted to send money to XXXX to my family. When i went to western union XXXX, i was refused by the western union that i can not sent money western union USA has block your name. I send my email to XXXX XXXX XXXX USA unit. they responded by sending me a restatement form which i filled in on the same date, and they said within 5 days they will respond. Western union USA asked my copy of my passport, proof of employment a copy of contract all this i send to western union. 
My complaint is that they is no due care western union are personal document. when they request this document they do not put the contact and name of person request for very important documents from western union .Is this professional. Western union after taking a copy of my pass port, contract of work .work visa and details of my wife. they have not come back to me .help i am scared may be it fraud scam to steel my documents. Because western union has office and argents in each country to close check identify face to face instead of asking through internet why can they ask the agents to check the identity .Right it is 7 days western has not able to help and i can not send money to my family. 
Kindly help me. XXXX XXXX
EOS CCA has flagged my credit report and everything that i have researched calls this company a SCAM.my account with them they claim is closed so why is it still on my credit report? I do n't feel i should pay this collection agency if it 's closed and has been well over XXXX yrs old if the original company closed the account and i ca n't find who the original company is for verification.i truely believe this company is a scam
XX/XX/2016 service date XX/XX/2016 reported {$50.00} I e=requested itemized statement from the XXXX XXXX XXXX ; the statement shows as {$0.00} due
I have requested the company stop calling me at work and I was told it was not illegal for them to do so. I work for the XXXX XXXX and XXXX XXXX and do no appreciate the phone calls while I am at work. My job is a time consuming position with no time to chat on the phone and the person was rude and not very accommodating. 

The name of the company is GC Services hired by XXXX XXXX, their telephone number is XXXX and the representative 's name is XXXX XXXX. 

Please advise me as to what I can do to stop these phone calls at work.
XXXX XXXX XXXX XXXX has failed to provide copies of ( 2 ) original documents ( a consumer contract with my signature ) according to the law, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) from XXXX XXXX XXXX after numerous written requests and phone calls.
Good morning Our home is located at  XXXX   XXXX   XXXX .  XXXX  The loan was transferred from  XXXX   XXXX   XXXX   XXXX  to  Litton then To Ocwen. This  was not documented in the Court.   During the Transfer the Incorrect amout was documented.   We have asked  Ocwen for the correct amount that was Transferred And they wo n't respond. Ocwen did not attend the Chapter   XXXX  Hearings in  XXXX . They did not start enforcing the amount until  XXXX . We questioned the  Statute  of Limitations for collection of The debt, they would n't respond. I have been in  XXXX   XXXX  for 25 years. I have never done anything wrong. I have been in my Home for 20 years and would like to remain in it but would n't Like these issues satisfied. I am in  XXXX    XXXX   and will not have An income until  XXXX .
I am being erroneously targeted by Diversified Consultants Inc. on behalf of XXXX XXXX XXXX for unpaid debts of {$290.00} that are completely invalid and false. To highlight the situation, back on XXXX XXXX, 2015, XXXX XXXX that had been registered at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX was returned to a local XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, IL. A final balance of {$21.00} was paid, and the account was subsequently closed at that time. This was confirmed by a XXXX employee at the XXXX XXXX XXXX location. My XXXX Account # was listed as XXXX. However, XXXX XXXX has tried to charge me for continued service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 despite the fact that the account was closed out 3 months prior. 

I have on several occasions asked for the following information and have yet to receive it : -- Any and all documents identifying the serial # 's of all equipment that was registered to the " XXXX XXXX '' after XXXX XXXX, 2015 -- A receipt identifying the serial numbers of all XXXX equipment that was alleged to have been received and used by me after XXXX XXXX, 2015 -- A signed statement by a XXXX employee, attached to a printed document showing the results of that employee 's exhaustive search of all XXXX databases, testifying that they in fact have searched any and all such databases for these corresponding serial # 's and that the documents presented in fact are true Sincerely, XXXX XXXX XXXX
I am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.
I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed with experian XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their XXXX Account XXXX I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
I filed complaint number XXXX because Chase charged numerous overdraft fees on my accounts after I had responsibly made sure there was enough money in them to cover all pending transactions ... I did this based on the information their mobile banking services provided me. 

It has been almost 2 weeks and Chase has not even responded to my complaint. THE FEES keep piling up. 

I went into a branch and was told that since I 'd had fees reversed in the past ( my XXXX account was once hacked into and caused debits to my account, as well as reversals which the bank granted me because I complained about their fairness ) that I would have to just eat these ... that they have no power ... it 's the policy ... XXXX, XXXX, XXXX ... .clearly the policy is to steal from people who ca n't afford it ( people with low balances ) This was not my fault. Even had it been, the amounts that were overdrawn were very small, XXXX or XXXX dollars ... And I deserve to have hundreds of dollars in fees because of this. It should be illegal. 

More and more fees are accumulating now because of pre-authorized debits that would have been covered but now ca n't be since my accounts are over XXXX dollars in the red. 

It 's literally a scam ... .Chase is going to make off with hundreds of my dollars. How is this legal??
The Reverse Mortgage Servicing department decided to advance my line off credit with out my permission or knowledge. The result is that the amount I will owe and pay interest on has been increase. Currently, I only know of one unauthorized cash advance, which has been added to the payoff amount. The I obtained the reverse mortgage, I needed around {$200000.00}. I told the company several times that my finances are stable. I want to be able to pay off the mortgage in the next year. But they have added draws from the line of credit that has increased the loan balance. I unsure how many times they have added draws, which I did not ask for. The latest draw they processed was for {$460.00}, which I did not request and have not received any payment for. I believe that they are trying to falsify the true balance of the mortgage by adding in draws that I neither requested or authorized. I believe my original loan balance has been increased by their unauthorized activity. Adding a draw, which is added at 4.175 % interest to the balance I owe seems illegal. I have never wanted to use the line of credit. The fixed amount of the original reverse mortgage amount was all I wanted. I informed the company, based in XXXX Mi, that I would never want to exercise my option to take draws. Nevertheless, the company appears to have taken draws from my account, illegally. The fate of the {$460.00} draw is a mystery. I have received NO payment from them in the amount of the draw. I believe that their actions are fraudulent. XXXX XXXX XXXX, XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Ref : Remove/ Delete Incorrect Information Ditech Mortgage Please be advised : This account was included in Chapter XXXX Bankruptcy, However there discrepancies with payment history. 
My Loan was originally with XXXX XXXX in XX/XX/XXXX I was in a positive account standing with XXXX XXXX  and In the middle of a Loan Modification with XXXX XXXX. 
During my loan modification XXXX XXXX sold my Loan to XXXX XXXX XXXX   without my knowledge. 
Once I found out my loan was transferred to XXXX XXXX XXXX, XXXX XXXX XXXX stated I had to complete the modification all over again. 
Resulting in Green Tree reporting negative payment history for the months of XX/XX/XXXX and XX/XX/XXXX. 
However I am a victim that has been harmed by XXXX XXXX XXXX unlawful practices. 
Please be advised : XXXX XXXX XXXX has been sued by ( The Consumer Financial Protection Bureau ) due to breaking the law on mishandling and failing to honor in-process Loan Modifications. 
This Loan was transferred from XXXX XXXX XXXX to Ditech Mortgage with incorrect information negatively reporting in my payment history. 
I am a harmed consumer and requesting that this negative reporting be deleted/ removed ( XX/XX/XXXX and XX/XX/XXXX ). From all 3 major credit bureaus ( XXXX, XXXX, XXXX ) Sincerely, XXXX XXXX
I applied for a mortgage loan thru PrimeLending, got approved and went into the closing with the tittle company. Everything was signed and I was provided with documentation about the amount needed to close the deal that had to be wired. I wired the money to the title company and informed the involved parties about the transaction. After 48 hours I was contacted by the originator, and he told me that I missed to pay the full amount for the closing. When we reviewed the documents, he told me that apparently a glitch in their system did not put the correct amount into the closing cost sheet. When I revised the file, a credit from the lender was missing, as a well as other amounts were changed. The originator told me that I had to pay for their mistake or I lose the deal. The amount the lender claims I owe is {$210.00} I do not feel this is ethical as they can also say can later on claim that another glitch happen and another amount would change for no real reason in the future. I fear this lender would incur in such practices through out the life of the mortgage as I was later on dragged into multiple changes that skyrocket the costs and are out my budget with each review.
How are payments to an installment loan for an automobile supposed to be applied? For instance if you are 30 days late on a payment and you make XXXX full payment can the lender apply those funds towards interest for the late payment and the currently due payment before apply anything towards principle?
XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. Equifax GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.