WillisBack/dataset-financial-user-claim huggingface dataset:
I continue to receive phone calls & emails from a Debt Collector for for more than 8 months for a debt that I do not owe. 

I have asked all parties ( XXXX & Transworld Systems ) to stop this illegal harassment considering I do not owe any money to XXXX.
I am receiving several calls a day from  Midland Credit. I have not received any correspondence via mail regarding any uncollected debt. I do n ot have any uncollected debt. They are not leaving me any voicemails. I can not reach a person to speak to. Most recently, on  XXXX / XXXX / 17 , they called my father. I am a  XXXX   year old h omeowner who makes a  XXXX  figure salary. I now see that this so-called debit is affecting my credit.
I tried to refinance my truck through XXXX to get lower payments. They denied me because they said I have a delinquent account with Navy Federal Credit Union. I have a credit card with Navy Federal Credit Union I have been trying to pay off, and always make my payments WITHIN 30 days of the due date. Usually my payments are made within 10 days because of the date my military pay check comes in versus the date they have for my payment to be due. I always make my payment on the XXXX of the month and the due date is on the XXXX of the following month ( ie : due date is XXXX XXXX, I make payment on XXXX XXXX when the military pays me. ) The reason I took out the credit card was because last year I hit financial hardship and had to pay for my moms bills because she was in a XXXX and out of work, as well as had to pay for a surgery for my dog who was in an accident as well. I 've spent the past year playing catchup and finally have caught up bht I always made my payments on the credit card within 30 days so it would n't be considered delinquent. However, somehow Navy Federal Credit Union made the account delinquent and reported it, so now it is having a negative impact on my credit that I worked hard to obtain and build. I can not refinance my truck to make my payments lower to save more money because of a report that was made before the 30 day period. I would like to find out why this was put on my credit report and see if I can get it taken off because it is negatively impacting my credit. I have a car payment, a mortgage both of which are always payed on time to the day, as well as have a small loan with another compan that is payed on to the day. No other bills are late either. The only account there is an issue with is the navy federal account that reported delinquent without thirty days and whom charge me double interest rates that make it hard to make any headway on the card. I am XXXX military and am coming on my XXXX year in. Refinancing a truck I make payments on on time should n't be an issue but it is because Navy Federal Credit Union is holding my account delinquent.
I paid Barclays Bank back on XXXX/16 I tried to get an unsecured loan for a home and was denied not because of credit but because this item is still showing up on my report as not having been paid and that is not true. I have paid this item I owe a XXXX bal
My ex-husband and got divorced in 2015. We had a business together, including a business loan. After divorce was final, I was removed from the loan by the lender. All other credit reporting agencies removed this account from my report except Experian. After being denied a mortgage loan, I found out that Experian was still reporting this, along with approximately twelve 30-60 late payments. I disputed this with Experian and they have now removed it but it should never have happened. It was an error on their part that caused me embarrassment with my bank and also caused me to lose the chance to purchase a home.
TransUnion is refusing to remove unauthorized inquiries on my report! I called several times to get this corrected and have had no success. In my most recent call on XXXX ; i spoke with a supervisor name XXXX who was very RUDE and informed that nothing can be done and there is no dispute process for inquiries and that inquiries are facts. Per FCRA, the only permissible purpose to pull ones credit is for a firm offer of credit, insurance, employment, or court order. Neither of these reasonings apply for the inquiries that i am referring to! They are reporting inaccurate information and is refusing to remove it from my report!
In XX/XX/XXXX, I pulled my credit report and a collection account from XXXX County Court and the Ohio Attorney General for State Taxes for unpaid taxes was showing on my report, I had no idea so after seeing this, I sent the money to pay it off and paid extra court costs that were required to remove the Tax lein ( {$690.00} ) Regardless, In XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX it was reported on both My name and spouses credit stating we owe {$290.00} despite mailing several disputes, along with our letters from the XXXX county court and Attorney General Office who both state it was paid and that neither of them are reporting to the burueas. They claim its the bureaus mistake. I recently pulled my credit and it states that this information can not be disputed again due to a fair credit act etc, So they continue to place this off and on my credit over the years and spouse. The report shows I owe {$290.00} and that its unpaid, But As you can see in the letter and I verified again with both the Attorney General and XXXX County via phone as recent as of yesterday XXXX XXXX, XXXX that this was paid and released in XX/XX/XXXX and I was told that it should not be on my credit at all unless showing that is was paid and no longer then XXXX years which would have been no later then XXXX XXXX. 
The judgment was paid and released on XXXX/XXXX/XXXX, this XXXX XXXX, XXXX is ( XXXX years ) I feel that all XXXX XXXX, Equifax and XXXX bureaus has greatly impacted my credit score by there mistake and UNWILLINGNESS to remove this or delete it despite the verification they can obtain from both XXXX County Court and Ohio Attorney Generals office collections Department. I am asking that all XXXX bureaus REMOVE this immediately from both my name and spouses. It was paid and released over XXXX years ago and taken off and on our credit, most recently placed on again.
Yesterday, XX/XX/XXXX at approximately XXXX, I used my ATM card ( Chase Bank ) to deposit {$60.00} into my personal checking account ( ensuring, that my check # XXXX in the amount of {$59.00} " cleared '' ). However, I learned that my account was unlawfully in the negative leaving a - {$43.00}. Previously, I have informed the Chase Bank representatives and Manager in the Collection Department to CEASE and DESIST their unlawful and discriminatory practices concerning my personal checking account ( monies ) ; however, their unlawful practices towards me and my personal checking account have continued. I spoke " again '' with the Chase Bank Collection Department Manager, Supervisor 's and Representatives requesting, that they CEASE AND DESIST any and all withdrawals from my " personal '' checking account ( to pay for another consumers issue 's with them ). However, the Chase Bank Representative 's REFUSE to comply ; therefore, violating the XXXX Compliance Guide for Banking and my CIVIL RIGHTS ( based on my previous complaints and my XXXX status ). I am " again '' requesting ( via this complaint ) that Chase Bank REFUND all of my monies unlawfully deducted from my personal checking account ( transferred for another consumers debt with them ). All supporting documentation will be faxed to the CFPB. Any and all personal and private information accompanying this complaint is to be kept with the CFPB and is NOT to be published or sold by Chase Bank or their subsidiaries!
I have continuously had terrible customer service with Barclay US. EVERY time i call they are unable to assist me, regardless of the problem. I have had a reoccurring charge from a software company that is under someone else 's name. I told this person I would no longer pay for this service after a certain date. Despite this, they signed up for a year service without my knowledge. Barclay is telling me to call the software company. The software company is telling me I am not authorized to cancel the account or make payment changes because it is not under my name. This is fraudulent. I never agreed to pay this and I am not able to cancel these charges.
I was 6-8 payments behind 2 years ago, they offered a forbearance plan and told me not to pay until I received the final paperwork. They never sent it, the next notice I received was for foreclosure. So I ended up filing chapter XXXX bankruptcy so I could keep my home. Now 11 months and a divorce later and I am only 2 payments behind on the mortgage with the money to make the missed payments in my account, but they have filed a motion to remove the stay on the foreclosure. I am very angry and frustrated by this. They do n't want my payments they just want my home. 
Please help me, me and my family have no where else to go.
I have an account with TCF.I had about XXXX items hit ( all under {$25.00} ) and they were deducted from my available yet still in pending.This brought my balance down to {$90.00}. A check hit for {$120.00} causing me to over draft.At this point I knew I would have one fee as I was unaware my daughters daycare was taking that out, but that was ok.The next day I received my daily email from TCF stating they were assessing my XXXX overdrafts as they sat on those other charges for 5 days! Even though they deducted them from my balance they added them back, then added the overdrafts THEN an the charges. These had already been deducted form my balance at this point.So they went back to assign me fees.I have never seen anything like this in my life and it seems very unethical.After that they went on to charge me XXXX more!
This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her XXXX at upsetting peoples day. I was at work and have a family to provide for. This is complete XXXX, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.
I recently reported XXXX XXXX XXXX to this same organization. Discover 's immediate response was to lock my account, preventing me from making payments. Despite multiple phone calls they are adamantly refusing to remove the lock on my account. I feel that this is a blatant attempt at intimidating me and punishing me for reporting them. Further, I feel that this is a deliberate attempt to force me into making a late payment so that they can increase my interest and charge me penalties. 

XXXX XXXX XXXX is punishing me for reporting them. 

XXXX and XXXX in the XXXX find this situation so uncontrollably funny that XXXX was bursting out laughing at me on the line while she transferred me.
Today I attempted to pay off a loan with BB & T on their website ( {$8200.00} ). Though that amount was a payment option, it would not let me pay that amount. I received a message that for payments greater than {$1000.00} I would have to call, which I did. After several frustrating minutes wading through a voice prompt system, I was finally prompted to enter my payment information. After entering the information, I was notified that I was being transferred to a human being. After remaining on hold for several minutes I was told that I could only pay {$5000.00} over the phone, at which time I asked to speak to a supervisor. Again, after remaining on hold for a few minutes, I was told the same thing by this supervisor, who refused to transfer me to a higher supervisor. I explained that this was unacceptable, but then said I 'd make the {$5000.00} payment today and the balance tomorrow. At this time she said she could n't log into the system to do it, and put me back on hold. Totally frustrated, I hung up. So, I 'm now being charged additional interest on a loan I simply want to pay off.
XXXX/Comenity Bank charges fees on fees!! 
I hold a XXXX credit card through Comenity Bank. I was charged a late fee when I paid off my full balance two days late. Although the payment made two days late was my oversight, that late fee was subsequently reversed, and as I paid my balance in full I was not expecting any further payments due. However, unbeknownst to me there were XXXX additional late fees charged as well as interest because of the initial late fee. There were no additional purchases made and the balance outstanding on the account was all fees and fees charged on top of fees. I spoke to a representative named " XXXX '' Id # XXXX and she was unwilling to remove the fees. I hope the principle of charging fees on fees is not one that XXXX nor Comenity bank condones. The amount is negligible, but the practice of charging fees on top of fees is reprehensible. I enjoy shopping at XXXX, and I hope this matter can be addressed expeditiously to keep me as a loyal customer.
I submitted a complaint # XXXX regarding an error on my title. I recently applied for a home equity loan and during a title search found an error from a previous lender. I refinanced a first mortgage and home equity line of credit with XXXX in XX/XX/XXXX. Both the first mortgage and home equity ( +closing costs ) were consolidated into one mortgage loan at this time. In XX/XX/XXXX, three years later, XXXX submitted a lien for the mortgage and another lien for the additional money extended to me to satisfy the old HELOC and closing costs. 

There must have been some confusion, my complaint did not refer to my current HELOC that now belongs to XXXX. This loan was recorded correctly and is current. My complaint is with the new mortgage dated XX/XX/XXXX described in the Consolidation, Extension and Modification Agreement. XXXX not only recorded the new HELOC, they recorded the refinanced mortgage and {$11000.00}, the portion of the new mortgage as a separate lien. I am disputing the recording of {$11000.00} lien, it is not valid. It was consolidated into a new mortgage {$120000.00}. This loan now belongs to Ditech and they have not been helpful in aiding me to remove the error. I am looking for a letter that states that the {$11000.00} was recorded in error to submit to the XXXX County Clerk 's office to have the lien removed. If you refer to the response from the previous complaint I submitted, this same conclusion was made. 

I am submitting the Clerk 's recording page dated XX/XX/XXXX to prove this lien exists.
I have two creditors that are listed on my credit file with Equifax reporting agency. The listed creditors are a result of fraud. I have asked Equifax to block these creditors from my credit file as I am entitled under the Fair credit act to ask for companies of any fraudulent activities to be blocked. 
Equifax has refused to place the block as requested. I am asking for a written notification to why my request has been refused by the credit reporting agency. 

The block was requested for the following companies. 
1 ) XXXX XXXX act # XXXX 2 ) XXXX  XXXX act # XXXX I have submitted all documentations from law authorities as well as my personal identity verifying my identity. 
I would like to receive a written notification of explanation to why my request has been blocked from fraudulent activity in my credit file. 

I did not request for re investigation. However, upon receipt of re investigation I would like for my rights to be granted under the fair credit act, for creditors to be subjected to supply credit reporting agency with sufficient information regarding contract. I am requesting for Eqifax to verify Accuracy of my identity compared to creditors application as well as identification they have on file for me in relation to claimed debt.
I applied for a job and was offered a position. Subsequent to that a credit report was requested. There were XXXX items that were reported incorrectly. As a result of the incorrect items an adverse action was taken against me ie rescinding a job offer. These XXXX items as reported were. 1. a bill of {$260.00} reported by XXXX for an account listed in XX/XX/XXXXand held for two months. I returned the items apparently comcast lost them or incorrectly listed the items as not returned. 
2. XXXX. I have had an account with XXXX for about 20 years. This past year I did not work for six months consequently XXXX disconnected my service for two months service. I have tried to talk to XXXX XXXX without success. Once I work I will be able to pay them back but given the availability of streaming and low cost alternatives maybe not but I should not have a job offer rescinded. 
3. Villages of XXXX XXXX, XXXX Oregon. I went to XXXX to work for two months. I took over a sublet. I was required to pay first and last months when I moved in. I stayed for two months, I gave notice a month in advance. I paid for three months and stayed for two. It has been impossible to resolve this without hiring an lawyer in XXXX Oregon which is across the country from where I live. 
4. IRS. Like XXXX other people I was impacted by the XXXX. I listed the foreclosure judgement on my house as a loss. The IRS did not like that. They imposed a lien on my house. To have it removed I need to hire a lawyer who the IRS will talk to. They will not talk to me. I should not lose a job over this. Furthermore a lot of my effort in the past 5 years has been to keep my house. 
5. Because of the above, i bought a car with a ridiculous interest rate. I was out of work for several months. XXXX XXXX did crazy reporting. It has been impossible to talk to anyone at XXXX XXXX. 
Debtors prison has been done away with. I have had a long slow climb out of debt. To have a job rescinded because of previous debt is ridiculous and beyond the scope or abilities of an Human Resources manager. I agree to have a background check but to use the results of a background as grounds to rescind a job offer is nuts. Credit reporting is mainly a tool wielded by bullies used to justify higher interest rates, and in this case lose a job. Telling the IRS in XX/XX/XXXX that I had been out of work for 18 months was useless, as their prime focus is to pick on people who ca n't fight back. Its what they do. The have a lien on my house. I ca n't sell it without paying off the IRS. Mine is a story of what can happen when XXXX hits the fan but I should not have a job offer rescinded because of previous debt. This is most unfair.
I called Transunion XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items.
I was denied credit with XXXX bank on XXXX XXXXXX/XX/2015 for a loan. I received a letter notifying me that due to the Equifax report this is why I did not get the loan. I tried to submit on line, XXXX to get my free report, but this came up, " Please Note Online Delivery UnavailableAt this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. 
Print this Page '' I called the XXXX number and followed all the prompts and at the end was told that I needed to enter a credit card and pay XXXX for a report or XXXX for a report. 
This is pretty good, they can arrange anything they want to put out there for creditors to see whether it is right or wrong. If you try to get your report, which is supposed to be free if you are denied credit, they charge you. So you could be a victim of identity theft and Equifax does everything to help keep the info from the victim. I tried to reach a real person which you can not. All they want is a credit card.
CFPB : My name is XXXX XXXX and the collection company I am talking about is called IQ Data International. This in regards to a charge that my old leasing company feels that they need to pin on me. I am having an attorney look at this as we do not feel we are responsible for the amount owed which was {$890.00} and they start to add interest. The address in the letters that they have sent state that they are from XXXX in Washington, but, the calls come from an XXXX   area code which is the XXXX XXXX area. We are disputing this and I made that very clear to the Agent that I had spoken to from this so called collection agency. His name was XXXX XXXX, but, that could be a fake name. This agent was beyond unprofessional and he was making threats about my credit and it was as almost as if he was trying to bully me into giving him my credit card information. I called XXXX XXXX trying to explain the situation that I did not agree to any amount that was charged to me and that I was challenging this. The leasing company never even sent me a bill ( Invoice ) as they just sent to this IQ Data International. After giving XXXX XXXX a piece of my mind I terminated the call. Now they have someone named XXXX trying to call me. I am not This company 's approach at collecting debt is completely out of line and it really seems like a scam. I do not want these people calling me or sending me any more letters.

Thanks, XXXX XXXX
XXXX XXXX XXXX XXXX is trying to collect a debt not owed. This alleged debt does not belong to me and was put onto my credit bureau as in collections and derogatory.
Hello - I was in the process of buying a house through XXXX. CoreLogic is their agencies used to pull credit. There was suppose to be a " SOFT PULL '' of my credit report XXXX XXXX as they had already pull my full report on XXXX XXXX. Unfortunately, they generated another " Hard Pull '', which created another HARD INQUIRY on my credit report. Hard inquiries started popping up on my credit report on XX/XX/XXXX, and XXXX. I have attached the pics as well. 

I have reached out to both companies to request the Hard Inquiry be removed from my credit report. I did not " authorize '' anyone to perform Hard Pull of my credit on XXXX XXXX and would like this removed ASAP as it effects my credit score which having so many inquires within a short amount of time.
I have something for a Dealing Funding LLC I have n't had a vehicle from them before. They stated on my credit report that it 's a joint account and that it 's a repossession. I have never had a vehicle repo before either. I have always bought my car straight right until three years ago in XXXX of 2013 as you all can see on my credit report also. I have even tried to contact them from the contact number that 's listed on my XXXX credit report, but unfortunately I was n't able to get through due to it 's an none working number. I also contact XXXX to get another number, but that 's the only contact number that 's on file XXXX.