WillisBack/dataset-financial-user-claim huggingface dataset:
The account was closed on XXXX XXXX, 2013 with a balance of {$0.00}. Now 4 years later the company call me daily and harassing me with a debt I do n't own. I received letter for settlement agreement for an account closed with XXXX  balance on it as he show on my credit report. I have to blocks all income numbers from XXXX and unknown.
I have two bankruptcies being reported and filed a dispute along with documentation showing they are being reported wrong. I called into Trans Union to ask the status of my investigation and was told it was verified. I then asked please tell me how this was verified. First they told me they could n't give that information out. After stating that the law states you must supply how it was verified they person said the court house verified with my name, addresses, and social security number. I then stated that was also false since the courts will not verify any information to any credit beauras or third party companies, and also stated that a letter stating that from the court was included in my dispute. I have now sent in a 26 page report from XXXX who provided federal courts info showing that the bankruptcies are incorrect along with a letter from the court stating they wont verify any cases.
On XX/XX/XXXX I contacted Second Round LP in regards to a collection reporting on my XXXX  credit report which I have no idea it was still on there. I was told by the XXXX XXXX agency XXXX XXXX infomed me that this account has been in dispute for over 2 years. He informed me the account was originated XXXX XXXX and XXXX XXXX took over the account which he said the information is reporting wrong address and name. A dispute to this account was on XX/XX/XXXX through XXXX  and did not get a response within 30 days. I m very distress because this account is fraduently reporting on my credit report.
I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Equifax as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 28 total. XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )
CFPB made a deal with Toyota to give back money to XXXX and XXXX.
I noticed on all XXXX of my credit reports that there is a collection from XXXX that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.
I received a call in XX/XX/XXXX from my mortgage company, claiming I did n't make a payment, however I was able to show proof that the payment was made and an investigation within the bank was initiated. Over the weekend I received another call claiming that my mortgage payment for XX/XX/XXXX was past due, and had to explain that an investigation was already underway. From what the representative told me on the phone, she shows that all payments have been received, and not sure why there is an issue, and that my " late '' payments are now impacting my credit score.
My Navient loans have variable interest rates with NO MAXIMUM. Right now there are currently at 11.42 % and are consistently increasing, i.e. they have never decreased in the 6 years since I 've signed. I 've asked Navient to provide me with a formal letter stating this to attach here and they will not. I wonder if this is because it 's illegal.
Hello, OnXX/XX/XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This may have impacted reporting on your account for XX/XX/XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XX/XX/XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.
I have a credit card with XXXX, to which I have been in contact with. I am being called multiple times a day, from multiple numbers, that are somehow bypassing my call blocking settings. Allied Interstate is a collection agency that I have not given permission to call me, and are calling more than four to five times per day. I must have my phone off most of the day due to their infuriating and excessive calls. I miss calls from doctors and contacts that I am actually doing true, and lawful, business with. This company is disrupting my life and falsely reporting to my credit file as an open account. I opened no account with them and provided no permission to share my personal information.
The statute of limitations has passed for the PAID debt listed by XXXX XXXX   XXXX and reported by Experian on my Experian credit report. Experian has failed to take any action on a previous dispute about the same PAID debt.
I HAVE APPLIED FOR AMERICAN EXPRESS SEVERAL TIMES I WAS TOLD THAT BECAUSE OF MY XXXX BK IN XX/XX/XXXX I SHOULD NOT BOTHER APPLYING, BECAUSE AX WAS PART OF MY BK ... ... ... ... ..REGARDLESS OF MY SCORE. I CONSIDER THIS DISCRIMOINATION OF PAST EVENTS. THAT IS WHY ITS PROTECTION UNDER FEDERAL LAW, I CAN NOT BELIEVE THEY TOLD ME I WAS STUNNED IN XX/XX/XXXX THEY SAID THIS ... ... ... ... ... ..
Ditech Mortgage sent a statement to me that said my escrow was in the negative by XXXX some odd dollars and I could pay that amount or have a XXXX plus charge monthly on my payment. I payed the escrow instead of having an added charge to my mortgage. I then received my next bill and they had added the charge and incorrectly posted the XXXX to the principal. I was told I had to email the info and it would be taken care of it was not. My next statement had the XXXX plus dollars added, I called and explained the person said it had not been resolved at the time but it should be by the time my next payment was due and I asked if they were going to reimburse the overage and she said no that it would not be reimbursed because it was a correct charge for the time even though I had paid the escrow months before. I asked to speak to a manager and she said they were backed up. This is a scam to collect more money. I understand that it is not a large amount of money but if you nickle and dime enough people you stand to make a killing. This can not be legal.
webster bank is harrassing me about a debt i dont owe XXXX 2015 i was in jail
Back in XX/XX/XXXX, there were two charges to my credit card. One for {$770.00} and the other for {$410.00}. As soon as I saw the charges from XXXX, I contacted BBVA and a dispute was open. I was advised this is clearly fraud as Ive not been charging anything to the card. I was told to wait until XX/XX/XXXX as they have 90 days going back to XXXX to resolve it. Its now XX/XX/XXXX and the charges have not been removed. I have a Dispute ticket number, if needed. This is unacceptable. I work for a major company and fraud cases are resolved within days.
I submitted my dispute on XXXX/XXXX/2016, I have not gotten any correspondence. I also checked my dispute status online which says " pending ''. I called to advice it has been well over 30 days on three different occasions. Each time I was not given an answer as to why I was not properly notified. This has significantly slowed down the process of buying a home for my XXXX boys.
XXXX XXXX, XXXX - Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I went to XXXX and check if I was affected by the Equifax leak XXXX The website says yes and it asked me to enroll in TrustedID. However, according to the Terms of Use at XXXX : XXXX, the arbitration clause states : AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. 

I did not complete the enrollment of TrustedID because of this unethical clause.
I have never been here to this hospital and this is not my bill or debt inaccurate information on my credit report by law debt company can not report false information on my credit report they have reported two bills on my account
I was trying to get pre- approved for a home loan and there are three address listed as my residence that I have never lived at and do not even know where they are. They are listed as XXXX XXXX XXXX, XXXX, NC ; XXXX XXXX XXXX XXXX XXXX, XXXX, NC ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NC. I have never lived here and need these removed from my credit report.
Citi Card-   XXXX  Complaint - Account- Facts : 1 ) O n  XX/XX/XXXX  a charge for {$95.00} appeared on my credit card statement.    2  ) Immediately upon receiving credit card statement I disputed the charge with  Citi Cards s ince we do not use  XXXX  products.    3 ) Citi Cards  issued conditional credit  XX/XX/XXXX . .I thought the situation was resolved.    4 ) O n  XXXX   Citi Cards reve rses the credit and bills me $  XXXX a gain.     5 )  I called and cancelled my credit card since  Citi Cards  supports fraudulent transactions.    6 ) Citi Cards  continues to bill me for this invalid charge and adds interest.   7 ) On  XXXX   XXXX   Citi Cards  sends me the fraudulent explanation from  XXXX  where they have manufactured a Customer Check- Out Report that we have never seen and have not authorized.    8  ) On  XXXX   XXXX ,  XXXX  I write a formal complaint to  Citi Cards.     9 )  My wife and I do not use  XXXX  software on our current computers.    10   ) M y wife and I have NOT authorized a renewal of  XXXX  software.    11 )  My wife and  I N EVER authorized a charge to our credit card for  XXXX  software in the amount of {$95.00}.    12 )   XXXX  is attempting to perpetually bill us for a product we do not use.    13 )   XXXX  and Citibank are attempting fraudulent billing tactics on senior citizens, hoping we will pay the bill to stop the harassment.    14 )  The Customer Checkout Report that they have generated is pure fiction. We NEVER authorized such a charge since we do not use their product. They must be using data from a previous computer or transaction.    15 )  We will not be paying for a product we do not use for the rest of our lives.    16 ) Y ou will note on the internet that  XXXX  is attempting this fraud on many people. Exhibit  6 17 )  We had to cancel our credit card with  Citi Bank   ( w hich we had for over 16 years ) since they put an unauthorized charge on our account and would not remove it.    18 )   XXXX  is simply a scam artist attempting to push perpetual contracts on the public.    19 ) Citi Cards r efuses to remove the charge and says it our responsibility to get a credit from the scammers rather than having the scammer provide an authorized charge from us.    20 ) Citi Cards  are now continuing to bill us for this unauthorized charge plus interest.
I was calling interested XXXX  phone payment system and making monthly payments. The system was misentering payment information each month and was not pulling payments. According to XXXX, because this was done via phone, a {$70.00} late payment was reported to the credit bureau in XX/XX/XXXX. I received no notice that a payment was late or incomplete. 

XXXX  Customer service told me in XX/XX/XXXXthat when the payment was made it would be removed from my credit report. It has not.
Equifax has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.
Notified my mortgage lender several times in XX/XX/XXXX that past payment history has not been updated since XX/XX/XXXX. Both Equifax and XXXX  shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. 

Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XX/XX/XXXX thru XX/XX/XXXX.
On XX/XX/2019 at approximately XXXX XXXX ( AZ time ). US Collections West contacted me in an attempt to collect on a debt. I am currently in an active Chapter XXXX Bankruptcy. When I told the representative that he said that he got notice that my case was dismissed on XX/XX/XXXX. That is absolutely false. He went on to ask me if I would like to resolve the debt before he submits a wage garnishment. I told him that he can not do that do to the bankruptcy an his company never submitted a POC in regards to the debt. This company was properly notified from the courts in regards to my case. This is the second time that this company has violated the law when is come to how the collect on debt.
This company is harrassing me over a debt that belongs to my deceased Uncle. They call me at work even though I explicity told them multiple times to not call me at work. I also asked for them to stop calling my cell ( XXXX ) these people have not sent anything to me regarding debt and are harrassing me on a daily basis.
11 years ago I had a life threatening medical issue for which I was hospitalized for over a week. I had no insurance at the time. I cashed in my XXXX IRA to pay the individual doctors, so now I have no retirement funds. I contacted the hospital and set up monthly payments and they agreed. About one year later they handed my debt over to this collection agency. At this time I sent a cease a desist letter to this agency, told them I was paying the hospital directly and they stopped communication. I continued making the payments for 10 years ( about {$5000.00} dollars ). This month I received a notice of a lein placed on my property with no notice of hearing. This agency is now making daily calls to my professional office. Please make it stop.
Over the past 12 months, I have attempted to access my TransUnion credit score via the XXXX XXXX service offered to XXXX customers and via TransUnion.com However, I have been unable to access my information. I have contacted TransUnion and XXXX about this several times to no avail. My last communication with TransUnion on the matter ended with the phone agent telling me that I can not get a credit report from TransUnion because I have an ITIN instead of an SSN. However, having one of the 3 major credit bureaus NOT report my credit, severely impacts my overall credit history and opportunities with financial companies. Today ( XX/XX/2018 ) I have called TransUnion 7 times and XXXX once on this matter already. 



Furthermore, recently I applied for a new XXXX credit card and I was offered a credit card by having my credit limit reduced on another credit card I had with them. This makes me believe that XXXX can not properly obtain my credit report information from TransUnion ( XXXX uses TransUnion ) as XXXX and XXXX XXXX have given me quite good credit cards based on FICO scores of XXXX reported by either XXXX or XXXX XXXX XXXX 

Therefore, I would like for this matter to be looked at as I believe TransUnion is not properly reporting my information because I have an ITIN which is having a negative impact on my financial history.
I received a letter from Barclay Bank regarding a XXXX XXXX XXXX XXXX I once had. This card was paid off in XX/XX/XXXX and cut up. The letter I received indicated my " account '' was 90 overdue and the had " closed '' my account. I had no idea a charge was made against this account as I had received no phone calls or letters previous to this. I initially thought I was a victim of identity theft so I called the number on the letter and only got a recording in which I could give and receive my account info which indicated the account was closed and I had a balance of over {$160.00} I was alarmed to I managed to find my old access code and password to the account and went in to look at what had occurred on my account. What I found was a XXXX XXXX annual membership charge in XXXX, XXXX of {$25.00}. I checked with my XXXX XXXX XXXX online merchant site account and it indicated there was NO default payment listed. I emailed Barclay Bank indicating I had not be made aware of this charge via a statement. I forwarded a payment immediately for the {$25.00}, explaining the situation ( which I have copies of ) and they responded by telling me basically " it was n't their fault '' and they " can not wipe out the interest charges ''. I have an excellent credit rating ... last checked was XXXX and I am never late on any account. I am mortified about this ding on my credit which I feel was not my fault. I feel a charge was made to this account without my knowledge and was purposely held back to accrue all these late fees before notifying me by mail of the issue after 90 days. Also, I suspect the originally XXXX XXXX XXXX XXXX has expired and therefore any new card was never activated so how was this charge accepted in the first place? I only want the interest charges removed and any dings these people have made to my credit score repaired. I definitely feel I am a victim here and Barclay Bank is refusing to work with me on this. How was I suppose to pay an account charge on an account I had n't used in over 3 years without even knowing the charge had been made? 
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My problem is that PNC Mortgage is trying to sell my house at foreclosure auction without giving me the chance to be considered for any programs that would allow me to get my loan restructured or modified. There has been a major change in my financial circumstances as my wife is working full time and based on this information we certainly qualify for an assistance program. The issue is that PNC refuses to give us the time of day, refuses to open a new review, refuses to assign a contact to handle our case and instead is moving to foreclose on my home I have owned for the last 12 years. 

I worked as a welding inspector for the last 13 years until I was injured. I ended up beginning the process of applying for XXXX but it is a lengthy process. At that time my father was living in the home with myself and my wife. Although I was not bringing in any income at that time, my father picked up the slack and helped out with everything. The big problem started when he passed away. At that time I reached out to PNC in order to be reviewed for assistance options. I was told that I was denied because we did not have any income coming in at that time. I was waiting for XXXX and my wife was looking for work. Luckily we had some money put aside and continued making the payment for nearly another year, and then the funds dried up. My XXXX benefits case was still pending. I once again reached out to PNC to see if there were any options such as forbearance plans, deferred payment plans or unemployment plans. However, their agents refused to consider ANY of these options and immediately moved to put me into foreclosure. 

The good news is that there is a change in financial circumstances, my wife is working full time as an XXXX and contributing 100 % of her monthly income to the household. We are now in a position that we can definitely afford a reasonable monthly mortgage payment. The problem is that when I attempted to inform PNC of this situation and initiate a new review I was told it was too late and that they were moving forward with the foreclosure. This is not only unethical, in the state of California it is illegal. I believe I am entitled to a full review of my current and correct financial circumstances in order to determine eligibility for all federal, state and internal programs that are set up to help struggling homeowners. PNC Mortgage is refusing to do so and instead insisting on auctioning off my home unless I can reinstate the loan in full. I am not in a position to do that, but if PNC were to postpone this sale and review the current financial information they would see that we have a much improved financial position and would be able to get back on track with our mortgage loan and make a fair monthly payment.
I had an XXXX account and called around XXXX of last year and settled my account because of divorce and they took it off my credit report and now portfolio company now says they have it now and it is back on my credit for XXXX and the account was XXXX? It is killing my credit? Please help me please I dont need anything else on my credit trying to pay off debt not get something taken off and then put back on again? Thanks XXXX XXXX
I received a letter on XX/XX/XXXX under my name and my ex wife 's name at my parents address. The debt is tied to my ex-wife and the divorce decree states all debt under her name is owed by her and not me. This is the first letter I have ever received and from Transworld Systems Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ). The letter was dated XX/XX/XXXX to my name for the amount of {$60.00}, the original creditor is XXXX XXXX, patient name is ex-wife, and account is under ex-wife. The second letter I received was dated XX/XX/XXXX to ex-wife name for amount of {$16.00}, the original creditor is XXXX XXXX, patient name is ex-wife and account is under ex-wife. The account name on each letter at bottom is my ex-wife.This is the first time I have heard of these debts and due to the divorce decree, these are not my debts. Also, this was sent to my parent 's address, which is very disturbing and would like removed from any records.