WillisBack/dataset-financial-user-claim huggingface dataset:
Based on the finding out of the XXXX data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a XXXX XXXX, XXXX, and XXXX XXXX card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered 14 hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased XXXX XXXX to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted XXXX XXXX2017 please help me remove these inquiries from all CB please
I asked Wells Fargo if they would accept a Deed in Lieu before foreclosure for my home mortgage. They accepted the Deed in Lieu and said I had to vacate the property XXXX XXXX XXXX, XXXX. I requested an extension so I could get everything moved out of the house. They gave me an extension. We vacated the property on XXXX XXXX, XXXX. Wells Fargo said they would pay our moving expenses, but to date they keep postponing the moving expenses payout. I keep contacting them but the last time XXXX XXXX said I would have the check no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX and no check has been received. I have constantly been the XXXX to contact them. First to understand exactly what a Deed in Lieu entailed, then to ask them to secure the house as it is in the XXXX and the weather can damage the house. The last time I contacted them I told XXXX XXXX I just had the oil tank filled and shut off the water pump and drained the lines. I asked him to please secure the property properly and have the house winterized as the house was in PERFECT condition and I wanted it to remain that way. I had lived and cared for that house for 25 years and only relinquished possession of it due to my inability to keep up with the mortgage and escrow payments, now that I am getting on in years and my income has finished. Please assist me with receiving my relocation check as promised. My address will be provided upon request as I am not to include personal information in this correspondence. My mortgage is less then {$600000.00} and the XXXX estimate of the houses worth is $ XXXX.
The original debt from XXXX XXXX Bank went into collection due to financial hardships. I then had a case/judgement filed against me on XXXX/XXXX/2008 by XXXX XXXX XXXX Attorney at Law in the state of Oregon. A garnishment was granted and payments for this debt were taken directly from my wages. I have the court paperwork and case numbers. The debt was paid in full through this garnishment. Several years later, this law firm was shut down by the Oregon Department of Justice XXXX and the attorney barred. In the past year, this original debt to XXXX XXXX has resurfaced and is being pursued by Portfolio Recovery Associates LLC. I have written them, corresponding to both addresses in the collection notice, explaining that this debt is not valid, yet they continue to pursue the debt.
Asked PNC bank to stop contacting after XXXX of our mother. They containually contacted her to the point of her becomming upset. She had contacted them regarding this debt to come and take her residence. They were not interested at the time. She then had to go to a XXXX XXXX. She could not pay for this home & PNC/XXXX XXXX   was notified ( at the same time ). They had someone come out and were not interested. Our mother XXXX over a year ago. She had another XXXX after recieving another notice from PNC bank when we had asked them to stop these notices several times. She was XXXX   years old and had been in a XXXX XXXX. She then XXXX XXXX   from this XXXX. We filed complaint after complaint about this as now they are harassing us. She was living on assistance when she XXXX   and there were No assets.

The property in question was offered to PNC. They were not interested and wanted her to pay the balance. She could not. She became very ill, we think from ongoing harassment from PNC. She was consumed with medical issues and could not pay her property taxes at said property. The county seized her home after she was admitted into the ER and hospitalization.

This was several years ago. Our mother was continually contacted by PNC after we continually tried to work with them to stop harassing her and help. They were not interested in only her paying the balance. She was very ill & elderly.She since has XXXX  from a XXXX. Her second one shortly after reading letters from PNC.

We sent them the certified XXXX XXXX. We asked them to leave us alone in our time of grief. They continue and now address the correspondence to " To the estate ''. There is no estate. She was a widow with no assets. ALL of her funds went to her medical care as did ours. She had XXXX XXXX in the last couple of years after she would read these notices from PNC even though we had asked then to cease communication.
I bought a car. I started an allotment i was gone on mission then the hospital. I never knew my payment was n't being taken out. The bank said they sent letters to my house but i was n't there. They had my number yet they never called to tell me there was a problem. The company is there for military in a big wsu and i have been with them for half my career. I ca n't see why they would put me in that position knowing it was unintentional. As soon as I found out I corrected it. But if they had notified me through the contact info and means that I gave them I could have corrected it like i did as soon as i found out. I have truly been stagnated because of this. I feel like they had a major part in the late payment with the lack of notification. They refuse to fix it with XXXX.
I recently made a checking account for Bank of America, around XX/XX/XXXX of this year. It was approved and my account is made and a debit card was mailed to me. I deposited {$100.00} into my account on XX/XX/XXXX and my balance was {$70.00} after doing some purchases. All is well and good and then today, XX/XX/XXXX, I tried logging in my account and it won't let me. They didn't have a record of me having an account. I called the bank and they remained tight-lipped throughout. They told me the executives unanimously made a decision not to do business with me and my account was closed today, the XX/XX/XXXX, remaining balance will be mailed to me, all that. I have no idea why the bank just decided to close my account without telling and not telling me why. It was just a recent account too and now it's closed. It's a bit unfair that they just decided to close the account and not tell me the exact reason.
I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them
I 'm in the process of purchasing a home and Equifax has not updated my information on my credit report.
they block me at every avenue even when I mailed in my request when my credit was denied they are using someone elses credit report in my info and wont give me a copy or change itt or allow me to file a dispute I seen the info at a place to get a car loan but I could not have there report
To : CFPB XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX : XXXX To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Transunion credit report, which is inaccurate. 

Specifically, the alleged item is for a late payment to a line of credit that was never used. There ca n't be a late payment when you do n't carry a balance. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Transunion report showing the derogatory item. 

Sincerely, XXXX XXXX
After my auto was totaled, my insurance company paid it 's portion. For the difference, I submitted a claim to my GAP insurance company. It has now been five months and the claim remains unpaid. In the meantime, BMW has reported me to the credit bureau for the difference which remains outstanding.
Noticed a collection account from a Midwest Recovery Systems that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second XXXX XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent. 

I want this information removed from my XXXX  and XXXX  credit reports immediately.
XXXX XXXX, XXXXTo Whom It May Concern, I did not receive notice of my right to dispute a bill nor did I receive proper notice that I owe a debt before it was sent to collections. 

I went to XXXX in the XX/XX/XXXX seeking medical attention. The staff there informed me that after viewing my insurance the matter would be taken care of by my insurance company. Even after I called and the person on the phone assured me the visit would be no more than {$100.00}. 

In XXXX of XXXX I received notice from the Bonneville collection agency that I had an outstanding debt. The debtor was unrecognizable to me because I had not gone to the doctor in over a year and I did not recognize the name, XXXX. So I thought it was a scam. 

After receiving another notice and about XXXX strange phone calls I called to ask who they were and why they were bothering me. That 's when I was informed of a bill from XXXX. I asked XXXX to send me documentation. They sent a bill dated XXXX XXXX, XXXX. That 's all they had. 

Then I called XXXX to ask why was n't I notified of a bill so I could pay or dispute it? I also asked them to send me verification that they attempted contact me or submitted this information to my insurance company and also, why was this bill so high? 

XXXX simply sent me the same XXXX XXXX, XXXX bill that Bonneville Collections had sent me. They had no more documentation.. 

I have since spoke with and written emails to XXXX, XXXX, XXXX, /Mercedes, and XXXX at XXXX asking them to withdraw this Debt from the collections agency and give me time & proof that this is a legitimate bill. I have been ignored. 
Since this business has chosen to ignore me and my plea for assistance would you please intervene? 

Sincerely,
Pulled credit report. Found a suspicious entry on my credit report for a LVNV Funding LLC . After writting the collection company and LVNV Funding LLC informing them that I 've never heard of them ; never used any products or services from them -- they refused to removed the information from my credit report. 

I do n't even know who LVNV Fudning, LLC is nonetheless used a product from a bank called : " XXXX XXXX ''.
On XX/XX/XXXX I requested a withdrawal from coinbase inc to my bank account for {$450.00}. It is an app based virtual currency exchange for Bitcoin and also has a USD wallet. I have not received my money and have repetively tried to contact them on every platform I can with no success. Other people are having similar issues. I think we are all being scammed by this company. Please help
I sent a certified letter to Equifax ( credit bureau ) on XX/XX/2018 requesting a 'free ' copy of my report since I was denied a XXXX credit card ( XXXX ). XXXX provided the Equifax address when I contact Equifax. Equifax has not replied or responded to my request, and since they have my current data in file, so no need to 'update ' anything to provide my report. There is a Federal Statute that Equifax ignores. There is a class action suit, and numerous government actions pending against them already. Maybe a local civil suit is in order too? 
It may help to Reference Appt # XXXX from the XXXX correspondence. 

XXXX Today : XX/XX/2018
Good day, After receiving a FICO score alert from my XXXX XXXX account, it has come to my attention that a XXXX credit card account was opened and abused without my permission under my name and sent to a rental property address that we own. Please let me know if you need further information to resolve this issue. I am requesting that this account be removed from my credit reporting agencies upon receipt of this letter. We are applying for a refinance on our rental property and this account has dropped our score considerably. We believe a family friend who was residing at our rental property at XXXX XXXX XXXX XXXX XXXX for the last 7 months is the one responsible for these fraudulent accounts being opened. We know he also resides in California, but has had a history of XXXX XXXX, along with XXXX XXXX  and were providing him a place to stay while he was attempting to get his life in order. We believe he had accessed our personal information that was stored on-site at our XXXX XXXX property and used it open several credit card accounts. We have contacted the proper authorities as well. Please provide us with any further information, as we will be notifying the credit bureaus as well. We are also filing complaints with the FTC, XXXX XXXX XXXX and the Consumer Financial Protection Bureau to make sure we are not held responsible for this fraudulent account and charges. I do not understand why I did not receive any phone verification from XXXX in order to open this account. All the other creditors I have past accounts with have gone through a multiple-step verification to open a credit card account given the amount of ID theft these days.
I currently have a debt listed on my credit report as being from Jacobs Marsh, however, I 've been trying to contact them for over a week now via telephone and email to no avail. Recntly I received a phone call from XXXX ( XXXX ) stating that they are collecting debts on behalf of Jacobs Marsh. So I eventually arranged to pay the debt that is indicated on my credit report and being from Jacobs Marsh. I hope that I am not being scammed! Is Jacobs Marsh still in business? Why did they give my information to a third party to contact me on their behalf to collect the debt. Do they have the authority to collect on the debt AND authorize the disposition of the debt be included on my credit report?
OnXX/XX/XXXX from XX/XX/XXXX someone stole my card and was using it without my knowledge. This card was supposed to be my savings card that I was only putting money on which is why it took me a while to discover it. I have never gave anyone my pin or let them use my card. I went to check my balance one day and noticed I only had XXXX XXXX dollars when I should of had XXXX. Union Bank did and supposed investigation and came to the conclusion all the charges were valid. Since then my account have been overdrawn because of all the charges I did not do. I insisted that in their investigation they get the cameras reviewed and I would press charges on anyone who did because no one was authorized to use my card. They are basically calling me a liar and have given me no choice to esculate the situation.
There is XXXX public record from the collection agency that I have no knowledge about it. They are inaccurate on my credit report which affect a lot on the credit score since XXXX 2015.
XXXX collection agency is reporting that I owe {$310.00}. I 'm assuming for XXXX. They put the report on me in XXXX XXXX. XXXX was not mine. I had ordered something from them over and closed the account. When I moved out of state I believe the account was reopened by my ex and his gf. I disputed XXXX XXXX XXXX and they removed there neg reporting and my balance to {$0.00} so I do n't owe this collection agency anything
National Credit Systems was contracted by XXXX XXXX XXXX to collect a debts which is based on a civil judgement meted out XXXX XXXX  Municipal Court in XXXX, Pennsylvania. I was ordered by Judge XXXX to pay a specific amount to XXXX XXXX XXXX, an amount which I have since paid to XXXX XXXX. National Credit Systems has insisted that I pay an amount to XXXX XXXX which is more than the court order administered by judge XXXX. I have sent documentation in addition to the copy of the court order to both National Credit Systems and XXXX. Both respective companies have chose to ignore the court document which is proof positive of the correct amount that is owed to XXXX XXXX. XXXX XXXX has purposely decided to report an incorrect that is owed to circumvent the civil judgment administered by Judge XXXX as a method to navigate around the law which disallows civil judgments from being reported to the major credit bureaus in the absence of particular vital information on the civil judgment.
To fill a gap in the chain of title for my property from XXXX I was given copies of original paperwork, payment information, applications and anything but what I asked for, a continuous, unbroken chain of title as proof of standing to foreclose. After numerous formal requests by QWR 's XXXX transferred servicing to Nationstar.that continued the barrage of useless paperwork. I was sent a Corporate Transfer of Trust deed that XXXX sent me that is a fraudulent, fictional, forged document that purports to fill the gap between XXXX directly to the Pooling and Servicing Agreement of XXXX for XXXX trust.There were many other transfers. I have proof that XXXX shredded the original Note that alone nullifies any authority to foreclose. The transfer occurred 6 years after the XXXX XXXX, 2004 closing 3 yrs.after XXXX closed, and 3 yrs. past the Notice of Default. 
Was the investor paid by insurance or lawsuits? Neither of us have clear title so we need to settle.
On XX/XX/XXXX I applied for an American Express Business Gold Rewards card under through a mailer that I received that offered XXXX points after spending {$5000.00}. By XX/XX/XXXX I had  spent {$5800.00}. Upon looking at the Membership Rewards that I was going to be receiving, it was greater than XXXX points that I would receive. Unfortunately, I accidentally made 3 payments to my Credit Card through the wrong bank account, which caused those payments to be returned. ( These payments were in advance, my statement had not yet closed, and my previous statement was paid in full already ). American Express put a hold on my account and shortly after closed my account. I first made contact to get my account reinstated trying to explain what had happened, with no prevail. I then was in contact with American Express Membership Reward support between XX/XX/XXXX and XX/XX/XXXX, in concern for the Membership Rewards that I was promised to receive. One American Express representative assured me that if I paid off my statement I would receive the points I earned after my statement closes, and I would have to call the American Express number in order to redeem those points. After calling today, XX/XX/XXXX, I was now informed that my points are forfeit because my account is closed.
SUNTRUST BANK UNLAWFULLY GAVE MY INFORMATION TO A PRIVATE CONTRACTOR WITHOUT MY CONSENT, I CALLED THE PRIVATE CONTRACTOR WHICH IS A FRAUD EXTORTIONIST AT PNONE NUMBER XXXX XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or
Experian, fraud specialists advised me that in reference to my dispute of the Chapter XXXX Bankruptcy fraud reported on my credit report from XXXX XXXX, Alabama. That if XXXX, and XXXX  removed they will remove. XXXX, XXXX both advised me that there is no proof they can send to Experian to show removal. However, I am asking Experian to remove as well. I can provide my updated XXXX XXXX info. Please see attached.
I took out a payday loan on line from USA and paid it back through my checking account via direct debit. I started to get threatening phone calls and eventually a XXXX XXXX called stating he was an attorney calling to inform me that my case was being filed in court unless I settle for {$550.00} on XXXX XXXX XXXX. He had me to purchase a XXXX card and fax a copy of my ID along with a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. The XXXX cards I purchased was XXXX with and exp date XXXX and XXXX on the back and a XXXX exp XXXX and XXXX on the back. Now XXXX called my home phone stating that my case with a ref # XXXX will be filed in court unless I settle for {$300.00} or set up payments over 6 months for {$74.00} to settle the debt out of court. He stated he was calling from arbertration and he transferred me to the payment dept to set up the payment. He caught me off guard and I gave him my debit card number and {$50.00} to come out XXXX/XXXX/XXXX. Afterward I realized it was a scam and went to my bank and cancelled the card on XXXX/XXXX/XXXX. I do not owe any payday loans.
They arent doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. The property has been listed as a Short Sale for months now and I have had numerous loan offers from interested parties to buy the property. Loancare has been provided these offers all requested paperwork that they have asked for numerous times with no resolution or answer as to approving the short sale offers. They keep asking for documents and paper work that has been already provided and because of their delays we have had a previous offer fall through. Loancare has been very unreasonable since they have taken over my loan. They do not return phone calls left by our representation or emails and when they do they are weeks and months later. I am very desperate to sell my home through a short sale but Loancare is blocking this by their un-professional practices. 
On XX/XX/2018 or representation tried to contact Loancare again and thus far no response.
This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/16 2. I made a payment of {$32.00} on XXXX/XXXX/16 which they did n't apply to my card 3. I made a payment of {$610.00} on XXXX/XXXX/16 which they did n't apply to my card 4. I made a payment of {$650.00} on XXXX/XXXX/16 which they did n't apply to my card 5. I made a payment of {$1000.00} on XXXX/XXXX/16 which they did n't apply to my card 6. I was then charged a {$39.00} late payment fee on that {$25.00} minimum payment This makes no sense to me no matter how they try to explain it. Basically my payments were too early or too late even though they were all paid in the same month. I paid {$2300.00} towards my credit card balance in the month of XXXX when I only had a {$25.00} minimum payment due, but somehow they were able to charge me a {$39.00} late fee.