WillisBack/dataset-financial-user-claim huggingface dataset:
IXXXX  XXXX XXXX, ACCOUNT XXXX RECENTLY APPEARED ON MY XXXX   AND TRANSUNION CREDIT REPORTS. 
I disputed the account with XXXX as not mine and it was " verified '' within 2 days. 
During this time, the account appeared on Transunion as well.The account is not mine. 
It says the original creditor is XXXX-XXXX XXXX.This is not my account.I did not live at the address they say when I was delinquent.It is either an error or belongs to someone else whether or not someone used my ID, I HAVE NO IDEA!
My parents have been receiving phone calls on an almost daily basis from XXXX, XXXX XXXX XXXX. My mom was given a reference number and a number so that I could contact them. When I called it was brought to my attention that Paypal had requested they start a collection process from me. I contacted Paypal only to find out that there were multiple accounts opened under my name, which have since been closed. Never have I opened or used a Paypal account. They were made aware of this, but somewhere between Paypal and XXXX the communication was lost.
Trading functionality has been " temporarily suspended '' on my XXXX account since XXXX XXXX 2017, this means my money is stuck in the exchange and there 's nothing I can do to solve this issue. 
Customer support is not writing back since XX/XX/XXXX. 
How can I get my money back? 

Coinbase/XXXX case ID is XXXX
I paid XXXX XXXX XXXX   XXXX on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXX. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The XXXX is an alias for XXXX XXXX XXXX. The XXXX website is hosted on the same webserver as XXXX. XXXX and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XXXX that the XXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.
XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.
XX/XX/XXXX : Sender tried to send me {$500.00} through XXXX XXXX bank using my cell number. Just as they hit send, they noticed that the name that came up was not mine XX/XX/XXXX : Sender filed a dispute with XXXX to retrieve the money. It was deposited in to an account with XXXX that was not mine, but had my cell number registered with the bank and XXXX I have not used XXXX before, but I have since learned that to register XXXX, a person would receive an activation code sent to their cell which they would need to input to their bank to confirm it is their number. I've spent three weeks speaking with XXXX, XXXX and my bank ( XXXX ) to keep asking how someone could have registered my cell number, as it appears that this is a security/fraud issue. 

XXXX has been active for about a year and a half, and I have had the cell number for two and a half years, so this person would never have received an activation number to be able to register the cell number with their bank. 

XXXX has confirmed that the money went in to this person 's account with them. The sender has put in two disputes with XXXX, but they will not do anything to retrieve the funds and send them back. They have said that it is the sender 's fault for not noticing the person 's name when they hit send. However, this would not have happened in the first place had someone else not been able to register my phone number. 

XXXX has told me this is a bank issue. XXXX won't help me as I am not a customer of theirs, and XXXX won't help me with this because they were not involved with the payment. I don't know how to get help with this. To me, the main issue is how this person could ever have registered my number without the activation code. 

Secondly, XXXX asked me if my cell number had received the notification that money was sent to that number. I told them that no, I did not received any notification, which apparently I should have received that as that was the number the money was sent to, even though it was linked to another account. Apparently when money is sent you to, the number receives notification, and a link to accept the money. My number did not receive that, so I can't see how the money was then apparently sent through that number. 

These are the questions that XXXX nor the banks will answer - how did someone register my number without the activation code, and if that is the number the money was sent through then why wasn't notification sent to that number. 

I would really appreciate your help with this. It has been awful trying to get these places to help me, constantly being bounced back and forth, and no-one recognizing that they don't know how someone else registered my number. How many other people could this happen to?
I financed a new vehicle in 2012, while having a job of 44 years. I became XXXX and are now receiving SS benefits. With being on a fixed income, medications such as XXXX XXXX and doctor bills, then regular cost of living, housing, etc these very high monthly payments are a struggle. All I 'm asking is to lower my monthly payments, so I have a vehicle for doctors appts, grcery store, church, etc. My finance company refuses to help me.
i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX   and got your contact so im asking please can you help me as well as inquiries that where not mine..
Netspend advertising on the front of their package looks much like a gift card. I purchased it by mistake. I was unable to get a refund from the store and Netspend required DL, SS card, and proof of residence to create an account. This has created a delay where they are holding my money and I ca n't use it. They have yet to create an account for me. THey offered a full refund but it will take 7 to 10 days. 

In general they are deceptive in packaging and they are extremely difficult to work with. 

They keep you from your money and have ridiculous fees for simple transactions. 

This is sad if this is all poor credit people have to use. 

I had to cough up more cash to buy gift cards for my XXXX presents because all this money was tied up with Netspend, I was lucky I had it or the kids would have gone without.
I applied american express platinum credit card on XXXX XXXX 2016 for an offer which is XXXX reward points after spent {$3000.00} in first 3 months, which I did and received the XXXX reward points on XXXX XXXX. On XXXX XXXX, I converted my AMX platinum credit card to the AMX green card. When I was doing the conversion, the representative never told me the change would lead to the disappearance of the XXXX reward points. I actually asked the presentative, if I would still keep the points if I do the change, and he told me yes, my rewards points will be safe. Recently, I just noticed that my reward points in my account is gone. On XXXX XXXX, they took away XXXX reward points which I earned with no question. 
First, I met all the requirement for obtaining the XXXX reward points. No question about that. I will attach a summary of my card activity. 
Second, when I was doing the conversion from platinum to green card, I was never told this change will make the XXXX points gone. If I was aware of that, I would never conduct the conversion. 
All in all, I just feel it 's extremely unfair that AMX just took away XXXX points from me for nothing I did wrong.
I was foreclosed on by XXXX on XXXX 2017 and I did not receive any notice. I only received an eviction notice for XXXX/2017.
I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am XXXX and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. XXXX item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.
Called company on XX/XX/2018, acknowledged my debt, and stated that I would make payments on my debt. At that time, the person said that I could settle for 60 %, and it would be marked as paid, settled for less on my credit report. I could also make those payments in 3 installments of XXXX over the next 3 months. I made the first payment that day. I called back on XX/XX/2018 and made the remaining 2 payments at once to finish my obligation. 

My credit report was updated to reflect the 3 payments - but it still lists a balance owed. 
I called the company on XX/XX/2018 to discuss the status of my credit reports and was told that the balance would remain until I paid it off. 

That is NOT my understanding of the word " Settled '' and marking my account as " Paid '' and I would like my credit report to indicate that I paid the negotiated amount and I no longer owe them any additional monies, based on the settlement agreement made on XX/XX/2018. I don't understand how I still owe money when we agreed to settle for less and I could take the derogatory mark that says " settled for less '' on my credit report. I would like to see the balance on my credit reports taken to XXXX ( XXXX ). I would also like to see the individual month notations for XXXX and XXXX to indicate something other than " failed to Pay '' or " FP '' because this is inaccurate too. I did pay those two months as I was instructed to do based on the phone call I had on XX/XX/XXXX.XX/XX/2018. Ideally, remove the entire tradeline from my credit reports.
Midland Credit became servicer of this account on behalf of Asset Acceptance, LLC on   XXXX   XXXX ,  XXXX . Prior to this, it was a credit card account with  XXXX   XXXX   XXXX  originated on  XXXX / XXXX / XXXX  according to the records.  <P/> According to the court order, current debt exceeds {$13000.00} and o n three ( 3 )  occasions attempts were made to debit my  XXXX  bank account for ALL outstanding funds. (  XXXX ,  XXXX  and  XXXX  levy #  XXXX   ). As I was not aware who was servicing the account or made an order to debit funds from my personal a ccount, I do not believe this needs to rightfully be paid back. Though I did make attempts to contact midlan  d Credit corporate lawyer on three ( 3 ) occasions, with no return phone calls from their corporate office.
<P/>
Midland Credit claims the last payment received o  n the account ( by   XXXX   XXXX  f  XXXX   )  was on  XXXX   XXXX ,  XXXX . If that is the case, it is currently beyond the statute of limitations in the state  of NJ ( six years, currently it 's over seven ( 7 ) years ) and debt should be forgiven.
In XX/XX/XXXX I needed a better car to go to work. I went to XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA, in XXXX XXXX XXXX XXXX offered me a XXXX XXXX XXXX and it was used. The car was in good shape and we proceeded to do the paper work. I was approved for a loan from Capital One Auto Finance for XXXX dollars a month and for 6 years. The car dealership said I could apply for a lower interest rate after one year and I went for it. I had a great job and I could afford XXXX a month with a high interest rate approximately 26. But when my mother became ill and I had to travel more often to visit and help out with her rent things got complicated. I struggled to pay this car. I called the company several times and they did help by extending my payments, but never with lowering payments or bringing down the interest rate. When my mother passed away I had to step down from work because I had a melt down. I got behing on the payments. I called the company again to lower the payment and this time they helped me with lowering my payments to XXXX dollars. And the interest rate was lowered to 17.92 %. Only {$48.00} was lowered. Capital one also extended my payments for 20 more months. I had no choice but to accept this offer. They said I would fall eventually into repocession. I had no more options.No bank could help me with my bad credit. I feel deceaved from the XXXX XXXX and Capital One Auto Finance. These car loans with high interest rates as high as credit cards are unacceptable and My original loan was for {$15000.00}, open date XX/XX/XXXX, I have paid {$17000.00} in total interest, {$9300.00} total principal paid. Now its in repocession and I feel I should pay them nothing!!!!! not one more penny. This car is mine and XXXX XXXX and Capital ONe Auto Finance take advantage of people. It needs to stop and I want money returned back to me for all the deception these two companies have caused me.
To whom i t may concern, I have sent correspondence to all three credit bureaus regarding public records ( Tax liens and Bankruptcies ) on my credit report and asked them to permanently remove the information off of my reports because they have it listed as the courts and the record of deeds as th e parties who placed the information in my report and that is inaccurate information, i have correspondence from each stating that they do not report to credit bureaus and it is a violation of the Fair Credit Reporting Act to report false information.
Bank of America will not return my calls I 've tried many times and I get forward to a voicemail manager who never return my calls. 

XXXX XXXX
Ocwen Loan Service Approved a loan Mod for us in XXXX XXXX after a ton of hassle and complaints and denials. I mailed in the contract and 3 trial payments and 1 additional payment in XXXX XXXX. XXXX XXXX I rcvd a letter saying they never got the final contract. I then faxed it. Ocwen then said the signatures did n't match. So resigned and faxed it again. I edited the contract. The amount owed in the contract showed {$20000.00} that was to be deferred principal balance and would n't have to be paid right now, but a non interest balloon payment. However when I recvd the late notice and the statement, they showed different amounts. The late notice showed {$18000.00} and the statement showed {$18000.00} as of XXXX XXXX. So why would I repay {$20000.00}? In addition the balloon payment was n't for {$20000.00} it was for $ over {$70000.00}. If the {$20000.00} was non interest then why is the balloon almost 4 times the original amount? I line marked the changes in the contract and they would n't except the contract with the changes. I resigned the contract with the wrong repayment amount and the crazy high balloon payment, but they then wanted 4 additional mortgage payments per a letter, I recvd in XXXX XXXX with in 22 days of that letter we sent FIVE payments to them. About 3-4 weeks later we recvd another letter saying we were be denied for none payment. Apparently they had emailed us a letter telling us they needed another payment. In all the correspondence, in 2 years they had NEVER emailed anything without request, but they did this one letter that meant we would be denied our modification. Since then they had unrealistic requests like 9 payments, etc. I also rcvd monthly letters from Ocwen offering me assistance with modification, but when would try and log on it would say you ca n't apply right now or it would show a pending modification, but I rcvd denial letters. In XXXX XXXX I rcvd a letter thanking me for application for assistance which I still had not been able to sent after several attempts, but they charged my account for a XXXX property inspection FEES in like 2 months and sent me a property evaluation and {$100.00} evaluation fee.
I can not get the Experian agency to update my credit report. Experian is still reporting one year old reports that have been paid off in XX/XX/2017. I have paid off several items they report as unpaid. It is impossible to call Experian as I have tried many times and they ignore my online messages. I don't know what to do. XXXX and XXXX keep updates perfectly and my credit scores are well over 700. Experian has me in the low 500 because they will not bother to update. This is affecting my life terribly. Please ask then to do their job. Thank you!
I am a customer of Rush card. XXXX XXXX they updated their system and since that date I have had no access to my money. Today is the XXXX. I have lost my car insurance my lights were turned off and I am about to lose my home. Also my vehicle tag expires today. My whole family has been affected by this. I have XXXX children that now arein the dark. I have called customer service to only be hung up on or told they can not find my account. I have also been told my mom ey is on my card but still remain to get insufficient funds on receipts.
They keep calling and harassing me and my extended family, bt never mail any proof of anything. Just keep saying they are going to arrest me and take me to court
Bank of the West is reporting a 30-day late for XX/XX/2018 on my RV loan which is incorrect ( to all 3 credit agencies ). I my payment on XX/XX/XXXX for {$220.00} as I have each month, and received a payment confirmation number. 

Bank of the West reversed my payment later that day saying the account information was incorrect and did not notify me. The customer service representative I spoke with informed me this happens a lot with their system. They sent me a confirmation email for my payment 's success! I have my confirmation email I received, a screen shot of the payment and reversal if needed. This is severely affecting my credit. I have disputed with the credit bureaus and Bank of the West just confirms the missed payment info is correct. When I call they provide me with very little information and wont let me speak to anyone in that department specifically.
Capital Management Services called my home and left a message that I needed to call them back about a debt that was in collections. I have no such debts, so I called them back and told them that I know that I do n't owe money and that they had no business calling me. They then asked whether I knew a " Supplied Name. '' I told them that it is illegal to call XXXX party about another party 's debt and that I would be lodging a formal complaint with the CFPB. The woman got snippy with me but said they would remove my information. I wish to make absolutely certain that that happens as I do n't trust these louts.
I 'm being charged 611 % interest my original loan was for XXXX I already paid over XXXX back and then some. I have been trying to contact to resolve the debt and have had no luck?
My Chase debit card information was obtained somehow and they spent {$2400.00} at XXXX, XXXX on XX/XX/2016. Then an ATM withdrawal in XXXX again for {$500.00} on XX/XX/2016. Tried to Log in to my online acct. and it said my username and password were incorrect so someone changed it. I called Chase and they froze my debit card and said they 'd send out a new one. On XX/XX/2016 the {$2400.00} was credited back to my account. After not receiving my debit card after 10 days I called Chase and stopped that one as it had been sent but I had n't received it. The lady at Chase also informed me that the {$500.00} atm withdrawal was denied reimbursement as it would have had to be me in XXXX. I informed her I was in XXXX and could prove that. I was then sent to a supervisor then a Chase specialist after I informed them I would have to take further action against them. I was given a case number then the next day Chase took the {$2400.00} back out of my acct. I informed them I was filing a formal complaint and would be closing my accts. I was sent to another ladies voicemail with no return call. So I have not been reimbursed any money as the law requires within 10 days nor do I have a new debit card!! I will also be filing a complaint with the OCC and with my local branch manager. Very disappointed in Chase Bank as the bills that are supposed to come out of that account are n't getting paid!!
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Lease trader which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
THIS IS A COMPANY OUT OF NEW YORK THAT I DO NOT KNOW AND HAVE NOT OWE THEM XXXX XXXX XXXX AND CONTINUES TO CALL MY CELL AS IF I OWE A DEBT TO THEM NEVER HAD ANY DEBT WITH THEM AND NO ONE THEY ARE AFFILIATED WITH JUST A PHISHING COMPANY TRYING TO PEND AN DEBT! THIS IS THE WORST NAMERICA CAN GET WHEN THIS COMPAINT VIOLATES THE FAIR CREDIT REPORTING ACT CONSTITUENTLY NO LETTER, CALL AFTER XXXX ON WEEKENDS AND RING MY CELL PHONE TRYING TO SCAM MONEY FROM AMERICANS THAT DO NOT OWE THEM AND NO ONE ELSE A DEBT. I DO NOT OWE XXXX XXXX XXXX TO ANYONE IN AMERICA! THIS CAVALRY PORTFOLIO IS NOTHING BUT A ROBO CALLING ID THIEF!