WillisBack/dataset-financial-user-claim huggingface dataset:
Midwest Recovery Systems attempted to ding my credit by reporting to the three credit bureaus that I owed money on a payday loan. When I requested for said proof, they never provided. Therefore, they agreed to remove tradeline off my credit reports. And they did, for XXXX only. 

The negative tradeline still shows on XXXXn & XXXX. Therefore, I request that they remove those negatives items, just as they did on my XXXX  report. Therefore, I resubmit once again a complaint for them to do right. I should not have to complain with the CFPB every month to take care of this, this should have already been done. Thank You
Late payment. 
Thank you for taking the time out of your day to read this letter. I just checked my credit report, and discovered that a derogatory ( 30 day ) late payment was reported on XXXX 2016 for my Wells Fargo credit card account *******************. 
During this time, my mother fell XXXX, and I was the only XXXX left to care for her. I had to leave my job, and my funds went toward her healthcare expenses. It was a very rough and difficult period. Due to the circumstances, I was unfortunately unable to make the payment toward my Wells Fargo credit card. 
I realise I made a mistake in falling behind, but up until that point, my payment history with Wells Fargo has been spotless. When I was able to gain income once again, I quickly paid the debt in full, making it my priority. Im not proud of this negative mark on my credit report, its the only XXXX I have, and as a long standing Wells Fargo client I would be extremely grateful if you could honour my request to remove this derogatory mark from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score. 
If the late payment can not be removed entirely, I would still be appreciative if you could make a goodwill adjustment. 
Thank You, XXXX XXXX
I was a victim of identity theft and I have informed the credit bureaus. I have placed an initial fraud alert on my consumer record on XXXX. I have requested that my number be called to verify I am indeed applying for the credit that is creating inquiries on my credit. I have NOT received any phone calls, however inquiries are continuing to appear on my credit. I have requested these to be deleted on numerous occasions, XXXX, XXXX, XXXX, XXXX and most recently XXXX. All requests returned still on my report. I have also submitted the police report n reference to the identity theft and the inquiries have remained.
Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount {$710.00} on or about XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
1. I was residing in different city than the one provided for the origin of this account. 
2. The number one way Progressive validates an account is through a signature XXXX XXXX and Progressive has not done so. 
I am sure they are very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Act Validation of Debts must include What the money you say he owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say he owes ; Provide me with copies of any papers that show he agreed to pay you what you say he owe ; Provide a verification or copy of information Identify the original creditor ; Prove the Statute of Limitations has not expired on this account The original account was closed in 2008. 

Show me that you are licensed to collect in CA including you SOS FILING NUMBER.
I have received at least XXXX calls from this number ( XXXX ) and they have even called my parents. They claim that I owe money on a payday loan that I took out in 2013. I have never taken out a payday loan so this is false. I asked them to send me something in the mail and I will be filing a police report for harassment. They say that their name is High Plane Asset. And that their clients are XXXX and XXXX. I looked XXXX these companies up and there is no contact information for either XXXX of them. In fact XXXX does n't even exist. At least not that I can find. 
This is a disgusting scam to try and scare people into paying them money. They have my social security number and XXXX only knows what other information they have. These people should be prosecuted!
On XX/XX/XXXX I sent Equifax a method of verifcation letter after receiving a generic response to a dipsute I submitted. Per the FCRA the company has 15 days to respond, it has been almost a month and I have yet to receive a method of verifcation from Equifax. I have attached a copy of the letter and read receipt.
Nationstar Mortgage is currently engaging in dual tracking and their foreclosure law firm XXXX XXXX, XXXX is attempting to foreclose using a robo-signed Assignment of Mortgage. I have provided XXXX XXXX, XXXX and Nationstar Mortgage with the evidence of fraud. The Assignment of Mortgage in this action was executed on XXXX XXXX, 2013 and recorded/filed on XXXX XXXX, 2013 was robo-signed by serial robo-signers XXXX XXXX and XXXX XXXX.
I closed my account with Citibank and they continued to keep a recurring ACH active on my account. This ACH withdrew funds from my XXXX XXXX XXXX account into the closed Citibank account. I have no access to the funds and Citibank denies making the withdrawal. 

I have an email from Citibank with a transaction number and all the details from my XXXX  XXXX XXXX account showing they made the withdrawal. 

The account was closed on XX/XX/XXXX. They made the withdrawal on XX/XX/XXXX
I was trying to make a rent payment to my landlord in the amount of {$600.00}. The payment came out and went back twice. On  XXXX / XXXX /   2017  I made  one last call to them and spoke about what happened and was trying to get it corrected. I was told I would be fine to try again and that the two failed attempts would not post and would fall off. This was clearly a lie and one posted and caused me to go into the negatives. I called to get this fixed and was patronized and treated poorly. I have had to call back several times to get this fixed and still nothing. Now I 'm in the negatives all because of a lie that was told to me with absolutely no urgency to fix it.
Wells Fargo and my wife and sign a 15 year fixed 4.75 apr in XX/XX/XXXX, for 9 years We have made all payments on time and xtra principal payments to Wells Fargo, In XX/XX/XXXX they are staying that WE REFINANCE THIS LOAN!!! WE NEVER EVER DID!!! IT MAKES NO SENSE, WHEN WE WERE MAKING ALL OF OUR ORIGINAL LOAN PAYMENTS ON TIME, PLUS XTRA PRINCIPAL TOWARDS THE ORIGINAL LOAN, WE WOULD NEVER COME OF OUR 4.75 apr LOAN!! ... ... WE HAVE REQUESTED FROM WELLS-FARGO MY PAYMENTS HISTORY, AND HAVE YET TO RECEIVE IT. THEY ARE STARTING A INVESTIGATION ON THIS, BUT HAVE NO ANSWER TO HOW THIS HAPPENED. IF THEY WOULD HAVE APLIEAD THE XTRA PRINCIPAL PAYMENTS AS THEY CAME IN OVER THE FIRST 9 YEARS, IT WOULD HAVE CUT MY ORIGINAL LOAN TERM DOWN TO 12 YEARS!! But they are staying that a refinance on this loan was done in XX/XX/XXXX, for XXXX for 15 years, to XXXX at 3.65 apr. then applied the extra principal payments to this LOAN THAT. WAS FRAUD AND FAKE, TO MAKE THE LOAN TERM TO XXXX!!! THIS MAKES NO SENSE!!! AND THE TERMS OF THE ORIGINAL LOAN WOULD BE FINALIZED THIS YEAR, XX/XX/XXXX. I RELIZEAD THAT FOR 6 YEARS WE PAID A LITTLE LESS FROM OUR ORIGINAL LOAN, AND DID NOT CATCH THE MISTAKE OF THE LOWER PAYMENT, BUT WE SHOULD I FILLED THE ORIGINAL LOAN IF THE FAKE FRAUD WAS NOT PLACED ON OUR ORIGINAL MORTGAGE.
Had a man call me claiming he was a detective and I owed on a payday loan for Ace cash express claiming that I had missed a civil suit court date today and that if I I did n't pay the amount owed he would have the bench warrant executed and I would be taken to jail. He said I needed to pay what was due today which was a little more than XXXX dollars or I would be taken to jail until they give me another court date. Threatened wage garnishment and my license being suspended and when I told him I had no money due to my situation he said I need to borrow money for a down payment or I would go to jail. I was never even served with any type of lawsuit. I honestly felt so scared and had no idea what to think but when I get off the phone with him I reversed the telephone number and it went to an XXXX XXXX XXXX I believe and saw many reveiws claiming it was a scam.
I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, XXXX XXXX, Equifax, and XXXX I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, Experian, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
I paid my balance on my Macys credit card in full. I now see that they have been charging me {$2.00} a month for the past several months. They have also closed my account and I 'm sure this has affected my credit rating as I am showing a past due balance of {$14.00} at this time.
On XXXX XXXX 2018, I arrived home to find a notice posted on the front of my door. It was in plain view for anyone to read ( I live in a townhome ). The notice stated that my property was found to be vacant and threatened to rekey/winterize the property if I did n't contact XXXX XXXX XXXX within three days of the date of the notice. The Company 's name is XXXX XXXX XXXX, XXXX. I called their offices today and spoke with XXXX who advised me that they were requested to inspect my property by my mortgage service company, Mr. Cooper ( formerly NationStar ). I advised XXXX that my property is not vacant and that I was very upset by the way the notice was publicly posted and with threatening language.
XXXX XXXX XXXX XXXX XXXX sent fraudulent wage garnishment papers to my place of employment. They did not contact me first, did not provide me with a chance for a hearing, did not validate, nor verify the debt, and they are not a guaranty agency. As a third-party debt collector, they should not have sent garnishment papers, due to their lack of guaranty status. I tried to resolve the matter via CFPB complaints, a XXXX   complaint, a complaint to the California Attorney General and through direct communication with XXXX XXXX XXXX XXXX XXXX XXXX I was unsuccessful. I then went to Small Claims Court and obtained a judgment. I still have not been paid, and the garnishment has not been stopped. In other words, I was garnished again after the judgment. I have included the judgment and would appreciate the return of my funds and the cessation of a fraudulent garnishment. Thank you.
Previously had a lease with XXXX XXXX between the months XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX agreed to let us out our lease with no penalty and any additional fees on XX/XX/XXXX through a signed release agreement which stated that we would not pursue civil actions. After this was signed the apartment complex as sold to a new property management company, XXXX XXXX, who is trying to collect on behalf of XXXX XXXX. We received a notice on XX/XX/XXXX in regards to a balance due. We question some of the fees associated with the balance as they were to be removed were still listed. We requested from the collection agency and the property management a copy of a itemized and detailed statement, but was never provided XXXX. We then sent a letter stating that we would be initiating a civil proceedings to get the things we need and to pursue civil penalties. We were contacted by an attorney who threatened to sue us and take us to court if we pursued civil action against them. Through out contacts with the attorney we requested a itemized copy of our final statement. He agreed and sent the request on XX/XX/XXXX. I have attempted to follow up with XXXX XXXX XXXX on several different occasions with the most recent occurring on XX/XX/XXXX in regards to a statement and itemized bill. The leasing consultant refused and stated that she could not help me. The collection agency stated that they are no responsible for the balance and the contract is now between Rent Recovery Solutions and myself. They stated that the balance is due to them. 
The collection agency was faxed a copy of all the documents I hade pertaining to the balance but on XX/XX/XXXX they claim they never got them. I was able to retrieve a copy of the fax cover letter and confirmation which clearly states that I indeed sent the information. 
Now the account is in collection and we as the consumer have no way to verify the amount the debt or the accuracy of the balance. We also agreed to pay the balance due once we received a itemized statement with the correct final balance. 
The collection agency, the attorney and the property management have failed to provide us with a final statement. The only thing close to a statement is the letter from the collection agency. 
The charges that should have been removed and are in question include : {$75.00} Return Check Fee {$1000.00} Early Termination Fee {$97.00} Late FeeWe were also to be given a credit of {$330.00} because the apartment was not move in ready but that fee was removed and without being provided a notice. 

Again we would like to have this balance paid in full as soon as next week but only if we can see an itemized bill to verify if all the fees were correctly adjusted.
XXXX loan reassigned or sold to new servicer ( CITIBANK ) without my knowledge and no one has loan number or contact information. I hired a attorney to negotatiate terms of a new loan agreement months ago .Citibank is coming for the home with no documentation with the help of XXXX XXXX XXXX XXXX and XXXX ) my attorney has recieved more of my money than anyone with no resolve please help.
I requested Bank of America to refund me {$1600.00} which I lost due to BoA refusing to act on a fraud claim. BoA refuses to log my request for a refund. 
Statement of facts : 1 On XXXX I made the purchase in good faith from another Bank of America customer - I thought if the person is using the same bank as me, I should be safe 2 I realized I was scammed about 30 mins after I made the online transfer. I contacted Bank of America right away and reported the fraud. Transfers take 3 days to be available in the recepient 's account. Bank of America refused to stop the transfer and also refused to investigate further. I logged a police complaint with XXXX police. 3 The scammer came into the branch and withdrew the funds cash. When the scammer wanted to withdraw the funds, Bank of America could have said " there is a concern regarding these funds so we did put a temporary hold until we clarify the situation '' - I am sure any customer would be OK with that, I know I would. I understand you can not arrest them or take money from their account, but you could have worked with local police to have the right authorities solve the issue if you had limitations on what you could do. None of that happened. There was no action from Bank of America to act on my tip and protect my hard earned money. 4 On XX/XX/XXXX, another person ( XXXX XXXX ) was scammed using the same Bank of America Account by XXXX XXXX. If Bank of America would have acted on my complaint, XXXX would not have lost her money to the scammers. Bank of America should contact her and reimburse her money as well. 5 XXXX XXXX ' account was kept open until at least XX/XX/XXXX, even though at least XXXX people were scammed. Police obtained a warrant on XX/XX/XXXX in order to have Bank of America share information on XXXX XXXX ' accounts. Below is the account used for the scam : Payment was made to : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, WA XXXX. Bank Name : Bank Of America Name on Account : XXXX XXXX Account no : XXXX Routing no : XXXX Amount : {$1600.00} ( wired from my Bank of America account ). Below is the police report with XXXX police XXXX XXXX. If Bank of America was to act on my request on XX/XX/XXXX, neither me nor other people would have lost money to scammers. Thus I hold Bank of America responsible for the fraud. Bank of America is a heaven for fraudsters - during the investigation I identified XXXX additional accounts open with Bank of America which are being used by the same scammers today. I called Bank of America to report these XXXX accounts and Bank of America refused to log my complaint. Bank of America is putting honest citizens at risk and is a safe harbor for people committing fraud. Also, Bank of America refused to record my request for a refund of the {$1600.00}. I provided Bank of America with the police report proving that the transaction was fraud and the person defrauding me was arrested. The scammer provided a written declaration that they defrauded me using the Bank of America account. This proves my request to Bank of America to stop the transfer was legitimate. Thanks, XXXX XXXX
PNC Bank ; Personal Checking Account ; Monthly Fee Issue. 

I have signed up a checking account at PNC with work banking relationship. I was told the only requirement to have to waive monthly fee is to have a minimum balance of XXXX. I always have met the requirement. On XX/XX/XXXX I was charged the fee, by calling the customer service rep on XXXX I was able to get the fee refunded. In addition, the rep confirmed it was caused by a system error, and as long as I keep XXXX I will not be charged. 

Fast forward to today ( XXXX ), I logged my online banking and I have found out that I was being charged by monthly fee on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with {$15.00} each. I called the online banking department and explained my concern. The rep was able to refund me one fee of {$15.00} and told me I was given wrong info and they can not refund me other 3 fees totaling of {$45.00}. 

Subsequently the rep helped me to switch to a different product which only need {$500.00} average balance to waive monthly fee. Please see attached pic of all the transactions.
On XX/XX/17 I happened to be viewing my account balances online of my Bank of America debit card and noticed 2 charges ( {$150.00} x 2 ) for an XXXX  purchase of which I did not make. I immediately suspended my card via my Bank of America app and then immediately called Bank of America to inform them of the situation. I stated that my debit card had been compromised and I wish for the charges, that were in real-time in a " pending '' status. I wanted them to, especially since the charge was in pending status, not authorize the release of the fraudulent charges totaling {$300.00}. They refused. They stated they would allow the charges to go through and I could at that time dispute the charges. I was stunned and stated if you allow these fraudulent charges to be stolen from my account I would then, possibly, be in a fight with you for the refund of my money. They stood fast on the issue. They were not going to stop the fraudulent charges. Upon Bank of America 's release of my money to a online thief, I filed a refund request and was denied. I executed all federal ( in addition to B of A required guidelines ) required guidelines in order to qualify for a refund on fraudulent charges made to my account.
MY LENDER SWBC WAS REQUESTING FOR PROPERTY TAXES : I HAVE EXPLAINED MULTIPLE TIMES I AM TAX EXEMPT BECAUSE OF THE STATE THAT I LIVE IN BEING A VETERAN AND MY AGE THEY ARE AWARE OF THIS THEY ARE SERVICING MY LOAN I HAVE ALWAYS BEEN TAX EXEMPT. I ASKED TO CONTACT THEIR ESCROW DEPARTMENT AND THEY REFUSED. THEY STATED THEY WILL NOT REVIEW MY DOCUMENTS BECAUSE I DID NOT SUBMIT THE WRITTEN LETTER OF EXPLANATION OF MY TAX EXEMPTION BY XX/XX/2019 THEY CLAIM THEY RECEIVED ON XX/XX/19 AND THEY WILL NOT REVIEW IT.
These XXXX accounts keep getting re-added after being deleted. i have provided the XXXX for the XXXX account and the FTC ID Sworn Statement for the XXXX card account. 
Name : XXXX XXXX Acct # : XXXX Name : XXXX XXXX XXXX Acct # : XXXX These inquiries below are not mines and I have asked the banks directly to delete inquiries. I did not authorize dealer to make all these inquiries to my credit report. I even requested that in my email more than once not to submit deal to any banks. 

Inquiries XXXX XXXX XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/16 This is a fraudulent inquiry. 
Inquiries XXXX XXXX XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries null/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX, XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : :XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX/XX/XX/XXXX I did not authorize this inquiry.
Ive disputed a chapter XXXX bankruptcy several times XXXX, XXXX and XXXX XXXX to no avail. It is inaccurate but Equifax refuse to correct it or remove it.