WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I opened a line of credit for XXXX . This was my money that was transferred from my savings account. It was to be used to raise my credit score. I borrowed & repaid it as Regions requested me to do. It was used until XX/XX/XXXX I went to the bank to have the loan released but I still " owed '' XXXX $ & I was instructed to pay it off & give her 2 days after it was " paid off '' so it would be released with no problems. I went back to the bank after this time had elapsed XXXX had left that branch so I talked to XXXX. He worked on his computer a few minutes & told me you will have your money in ten days! I informed XXXX this was not acceptable as I was told after the 2 days had elapsed my money would be transferred back to my savings account. He told me it would be done the next day & he needed to call someone about it. I told him the next day was ok. I waited 5 days & then I transferred my XXXX $ from that account back into my savings account. Every thing seemed ok. A few days later I received a statement in the mail stating I still owe Regions XXXX . So back to the bank with nothing resolved this is when XXXX becomes involved. The date was XX/XX/XXXX I tried calling again to get this loan released. XXXX told me I needed to repay the XXXX $ so the loan could be released which is what I did the previous month. He asked if I had money in another bank to transfer to complete this loan. I told him no & I asked whats going to happen now that it 's a month later & now a payment is due. I had to make another payment on this nonexistent loan. There was a XXXX $ fee added & on XX/XX/XXXX Regions took funds from my account for another payment of XXXX $ for a loan that should not exist. I was simply trying to raise mt credit score to get a loan for a house. I invested my money over the years in rather unconventional ways that the bank wo n't recognize as legit collateral ( cars, diamonds,XXXX & others ) I knew going into this process that it was a longshot because I never used credit cards I did n't create a mountain of dept if I wanted to purchase something I saved my money. So I had XXXX credit history other than a medical bill that the insurance company will be responsible for. It would seem the banks would be seeking people like me without a mountain of debt & who pays all the bills to lend money to. What I would like to know is why XXXX did not release this loan? I asked XXXX & XXXX & neither could give me an answer. I think XXXX did n't like the response I gave him after he told me that the loan would be released in ten days & I told him I 'm leaving with my money today either all of it in my hand or transferred into my account. He said he could do it with a phone call the next day but he never did. I want the 2 payments ( XXXX $ ) transferred to my account & the XXXX $ fee removed.
" ERC Debt Collector '' keeps robo calling and I have absolutely NO debts and could not possibly owe any money to anyone. They call about three times a week leaving a Reference Number for this issue and their telephone number ( XXXX ). I have never called back as I do not want to be ensnared in a scam. How can I get them to stop without calling them back? Thank you.
I received a notice from IC systems claiming that I owe an alleged debt of {$490.00} to XXXX. I have no idea what this is about so I sent a written dispute in regards to this matter. IC system is threating to report to all the XXXX of this alleged debt owed. I since then have not gotten a response in regards to validation of this alleged debt. It is now mid XXXX.
I have the following errors on my credit, I have tried to handle this directly with Experian but yet still no resolution to remove items off my credit report. Below are the following that need to immediately be remove off my credit report.

REMOVE COLLECTION ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - {$710.00} XXXX XXXX XXXX - XXXX  - {$260.00} REMOVE INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX UPDATE PERSONAL INFO : REMOVE BELOW : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX UPDATE Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX   UPDATE EMPLOYER : XXXX XXXX XXXX
Bank of America closed out my mortgage loan after I moved XXXX XXXX, 2016. When they closed out my loan they added a note that I was over 120 days late in paying my mortgage which lowered by credit score XXXX points. I have not been late in paying in over 7 years and was in very good standing. SO GOOD that after I moved and got the BEST rate with another mortgage company that Bank of America offered and issued me a credit card with a high balance. They THEN reported my account as closed to all XXXX credit companies and the mortgage as being closed with them however they added a note that I had been 120 days late. This is WEIRD at best!
Experian has a medical bill showing as in collections. I first disputed the collection account and further sent documentation showing the debt was paid in full. They still determined that the debt is valid. I believe they did n't even take the time to properly review my dispute.
My mortgage company is Ocwen Loan Servicing LLC . I originally took a mortgage for a 10 year interest only and this loan was to turn into a 30 year fully amortizing loan on XX/XX/2015. Ocwen never adjusted the loan to a fully amortizing and 6 months later sent a mortgage coupon to me with additional fees and penalties after I had already sent my interest only payment. I requested that they research this and they did. They sent a letter apologizing for their error and stated that there would be no late fees or negative credit reporting. One year late after making XXXX consecutive, on time mortgage payment I receive another payment coupon from Ocwen stating that I now owe {$6700.00} as Fees/Other Charges. This is not how consumers should be treated. There is something seriously wrong with Ocwen and I am hoping you can help. Please elp, I am desperate at this point.
I tried to transfer my fund from my  XXXX   XXXX   XXXX  (  XXXX   ), to  m y Wells Fargo   Checking Ac count and it was rejected. The proble m, Wells Fargo  took the from my  XXXX  account but, did not put the money in my account. The money in also not in my  XXXX  account. This happened on Thursday,  XXXX   XXXX    XXXX  . Today is Tuesday,  XXXX   XXXX    XXXX  . I was told at first that my funds would be back in my  XXXX  account in 10 days, then it wa s 72  hours, now they are sayings 30 days. I ca n't wait 30 days s! Wells Fargo h as my funds but will not give my funds nor return them. I need my funds now! My rent and utilities need to be paid! I am under and eviction warning, I will loses my storage, I ca n't buy my meds. Please help! the amount in question is {$3400.00}.
I have contacted Navient Several times about posting my payment and then charging me again in the same month. They say they " Fix it '', and then the charge shows up again. I also keep getting emails about my account being defered. I did not request this, and they just tell me to ignore the emails.
XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.
I told XXXX, XXXX, and TransUnion that someone had stolen my purse and belongings from the above listed place of business in the lobby waiting area some years back and I asked XXXX, XXXX, and TransUnion to block the information and they refused to remove all of the fraudulent accounts. I was unaware that they used my information to open accounts and made inquiries on my credit report until recently.

Where I'm from, I was never really taught anything about credit until recently so I never had a reason to check my credit report. So now that I've checked it I've come to the realization that due to my belongings being stolen I became a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XX/XX/XXXX - {$3500.00} XXXX XXXX XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XX/XX/XXXX - {$11000.00} XXXX   XXXX XXXX ( XXXX  ) - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX ( MEDICAL ) -  XXXX XXXX XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Financial Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX , XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX
I had purchased a vehicle with XXXX XXXX Toyota on XXXX XXXX. The sales agent was XXXX XXXX. I purchased the vehicle with a gold level vehicle service agreement where toyota would do a XXXX oil change and fix any engine and transmission problem with the vehicle like an insurance policy. I moved from XXXX to XXXX after doing XXXX oil change and contacted XXXX Toyota that I would need to cancel the service agreement because I no longer lived in XXXX. I was advised that I would need to send a signed letter agreeing to terminate the service. I went to the dealer ( XXXX XXXX Toyota ) and handed over the signed letter to XXXX XXXX XXXX. The sales rep told me that I will not be refunded the balance but any refund amount will be applied to the principle and there would be no changes to the monthly payment amount. The total refund was calculated to be {$2400.00} was told that it will be applied to principle balance on XXXX XXXX. 

However, this refund was never applied to the original balance. I contacted Toyota on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX but this payment was never applied. I contacted XXXX Toyota and the dealer claimed that they never received the letter of cancellation and the policy was already expired and there will be no refund. I did n't pay rest of the balance which at the time was {$1900.00}. 

I had no avenue to resolution. I re-contacted Toyota Financial on XXXX XXXX and they advised me that Dealer are independent to Toyota Financial and they are unable to contact the dealer on my behalf. I contacted XXXX Toyota again and they advised me that there is nothing they can do about this. 

I ended up doing a settlement on this account because the refund from XXXX Toyota was never processed.
I am filing this dispute against FedLoan due to the incorrect information that is being reported by XXXX and XXXX. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 FEDLOAN accounts have a {$0.00} balance and they were Transferred/Sold in XX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and XXXX and I have received dispute results stating that FEDLOAN verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that FEDLOAN send notice to XXXX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XX/2016.
Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

Equifax : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.
Experian Report # XXXX XX/XX/18 Experian every other month has right employment and then the next its spell wrong or not showing I have document after document as proof of current employment. I have reports showing error but Experian says they update month after month. Missing is XXXX XXXX - XXXX XXXX and XXXX XXXX as current employment I have uploaded tax returns check stubs as well as My state Lic. showing I'm registered XXXX My issue with Experian has incorrect information as well as employment not showing one month it's right and then nothing.
On XXXX XXXX, XXXX, my husband and I went to XXXX XXXX in XXXX VA to do a trading of a XXXX Elantra that he bought in XXXX XXXX. My husband previously spoke on the phone with the same seller who sold him the Elantra and made him clear That he wanted to have a payment that was not higher than the one he was already doing. My husband decided for a Santa Fe XXXX and when starting with the transaction, the seller told my husband that as his credit score was very low, he did not qualify for financing and I was not working ; Nor could it be done in my name. Then it was decided to make a lease and they asked me to serve as co-signer and they asked me to fill out a sheet to verify my credit. I signed the document although I did not understand much English ( I speak Spanish because I am from PR ) and the transaction was approved. We signed the contract with XXXX XXXX XXXX and signed the documents as Co-signer and left the dealer with the car. After several days, we received a call from XXXX XXXX again to tell us that the contract had gone astray and that we needed to go through the dealer again to sign. When we went, XXXX XXXX told us that there were no changes, that was just signing the same and then I came back to say as Co-signer. To my surprise, a few days later two transactions appeared in my credit history that I had started a purchase of a car in my name. I checked with the dealer and they said no, that only one transaction had been made. Now I have just received a report that the day after the purchase, a credit application was made again at my name for the same vehicle. I started to investigate with Hyundai Finance and it turns out that the dealer put me as the person who was buying a car, and now I appear as de Primary- signer. I will like you to investigate this as a fraud because two weeks later my husband told me he wanted a divorce.
I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/XXXX and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
THIS ACCOUNT HAS BEEN REPORTING ON MY CREDIT REPORT FOR 7 YEARS AND I AM TRYING TO GET A HOUSE FOR MY FAMILY, THIS IS PREVENTING ME FROM IT, AND I WOULD LIKE BASED ON THE LAWS THAT PROTECT ME TO HAVE THIS ACCOUNT DELETED FROM MY REPORT.
I applied for a Sam credit card see below : SYNCB/SAMS /Inquiry XXXX XXXX, 2014 SYNCB/SAMS /Inquiry XXXX XXXX, 2014 Sams is reportin XXXX hard inquiries on the same day for the application to all XXXX bureaus, I have not been able to get a response on why this was done. I have also request this to be corrected, I applied once and signed XXXX authorization and was approved. Please assist on getting this resolved, as hard inquiries affect my credit.
I pulled my credit report on XX/XX/XXXX and noticed that a company Bridgecrest were reporting XXXX days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the XXXX XXXX XXXX and the XXXX  XXXX XXXX as I want this to be taken care of right away.
I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. 
Now Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX.
I have about a stacks of letters about other people 's information that the company Gurstel Chargo send to me wrongly and I never received my information correctly. Gurstel Chargo has it wrong with my identity. I have send you overwarming information in the past but they choose to go ahead with erroneous information. I took a picture of the information of other clients they mistake me for just to prove they have it wrong. Gurstel Chargo are spamming other peoples sensitive and financial information. I sent picture and police report to prove that is this a mistaken identity.
I did not receive at least 15 days notice on the transferring of my mortgage servicing rights. Citizens is transferring my loan services effective XXXX XXXX, 2016. The letter dated XXXX XXXX, 2016 was not postmarked until XXXX XXXX, 2016 in XXXX VA, I live in XXXX, MA, I revived the transfer notice when it on XXXX XXXX, 2016. This is not adequate time. Citizens knows this is a mortgage loan under the Section-8 Homeownership program, adequate notice must be received in order for the public housing authority and myself to respond and prepare for the mortgage transfer.
XXXX XXXX/XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX/XXXX  XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, XXXX XXXX keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.
My deceased ex-husband had a credit card account with XXXX Bank since XXXX. We were married in XXXX, divorced XXXX. According to the divorce we both assumed responsibility for bills in our name. This account was never in my name until his death. I never received any information on this account or used this account. I only found out about it when I was denied a loan last week. I 've had excellent credit with a score of XXXX, that fell to XXXX after they attached my name to this account. XXXX has given me the run around. They refer to me as the primary cardholder, yet they wo n't give me any information or have ever sent me a bill. This is not and NEVER has been my account, but now my credit is ruined because they attached my name to this account. XXXX tells me this will stay on my credit report for 7 years. This is not right. If they hold me responsible, why was I never contacted?
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Mid Atlantic finance company in XXXX Florida keeps reporting negative information on my credit report for an old car loan that should already be off of my credit report. They keep changing the dates of when the account was actually closed so they can remain on my credit longer. It is a closed account they bought My loan from a buy here pay here back in XX/XX/XXXX. They repossessed the vehicle in XX/XX/XXXX. I never made one payment to them. They keep changing the closed date to different months in XX/XX/XXXX. They continue to wait until my score is up and then start back negatively reporting causing my score to drop over a XXXX points. I would like to have them removed from my credit. My XXXX XXXX account shows this has been reporting 7 years and 9 months on my credit reports.