WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX has been included in the names reported section for the Equifax Report which helps to determine my credit score. This is incorrect as this has never been one of my names and should be eliminated from the reports and my credit score.
Hello I have a medical debt from Wakefield and associates stating I owe a medical bill in the amount of {$560.00}, I never signed a contract with Wakefield and associates and do not owe this debt to them. I also did some research and found they are not licensed to collect in the state of Georgia and I would like this debt removed from my credit report with all credit bureaus immediately.
My husband and I went to browse at a local furniture store, XXXX 's, in XXXX 2015. We were approached by a saleswoman named XXXX XXXX XXXX told us about their current sale and asked if we wanted to see what we would qualify for in credit. We provided our driver 's licenses and verbally gave our gross salaries. I do n't remember if she asked for our SSNs. We continued to shop and she came and told us we qualified for {$11000.00}. We continued to browse and decided not to purchase anything. 
In XXXX I received a Wells Fargo XXXX 's credit card. I did not sign anything authorizing the credit card to be opened, nor did my husband. We were shocked. Then on XXXX/XXXX/15 I received a letter from Wells Fargo apologizing for not being able to authorize the larger amount we requested, but that we were approved for {$11000.00}. I never authorized XXXX or XXXX to open a credit account. I called XXXX 's and asked if their salepeople earn commission on opening new credit accounts. I was told they do not. I am unsure who actually opened the account in my name. Again, I never agreed or signed anything. 

This new account did show up on my credit report. We had recently purchased a home and opened a line of credit elsewhere. This additional credit inquiry and open account is not helpful for my account. Simply closing it would also be detrimental to my credit score. I am unsure what to do at this point?
I previously authorized XXXX to withdraw a payment for account from my Checking account. Instead the company attempted to withdraw the Money from my Savings. They were previously informed that the account numbers for my checking account and my savings account were the same so they had to be sure to withdraw from my checking account rather than my Savings. Thereafter, several attempts were made to withdraw funds from my savings account. The first attempt there were insufficient funds in the account. Rather than send an email or call XXXX 's proceeded to make multiple attempts to withdraw the funds resulting in over {$88.00} in fees with my bank. Had the company attempted to withdraw the money from my Checking account only one attempt would have been necessary for them to receive payment.

On Friday XX/XX/2018 I reached out to XXXX 's to attempt to rectify the situation. I stated that I was currently working in Washington D.C for a legal clerkship and would be willing to make a payment. However, I requested that XXXX 's refund the excess fees that I inquired to my account as a result of the unauthorized multiple attempt that they made to withdraw money from my savings account. I was forwarded to a supervisor that stated she would call me back on Saturday. I missed the call on Saturday but no contact information was left for the manager so that I could follow up. 


On Monday XX/XX/2018 I received multiple calls from XXXX 's while I was at work which disrupted my work day. The calls were XXXX 's attempt to collect the debt which was discussed on XX/XX/2018. An additional call was made to me by XXXX at XXXX while I was sleeping. I informed the representative on the phone that it was currently XXXX in my current time zone and they were not allowed to call at that time. The agent insisted that XXXX XXXX was allowed to call until XXXX. I stated that they were not allowed to call that late and informed the representative that I was hanging up because I was trying to sleep. However, having my sleep disrupted I decided to call XXXX 's back and informed the new customer representative about what transpired he informed me that the call was made through an automated dialer and that XXXX 's could not control the Dialer. 

I informed the agent that regardless of whether the call was made using an automated dialer it was placed after XXXX and one of the companies agents ( whom was a live person ) asserted that they were allowed to call until XXXX. I asked to speak with a supervisor. The agent did not want to transfer the call and insisted on reiterating what he'd already said. Upon my insistence I finally transferred to a supervisor and I informed the supervisor that the call being placed after XXXX was a violation of the Federal Consumer Credit Protection Act and that I would be lodging formal complaints and would possibly pursue legal action. 

Phone records can be provided upon request.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my Experian credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " XXXX XXXX '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks
I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX   opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to Portfolio Recovery Associates, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to Portfolio Recovery Associates demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.
I started the student loan process in XX/XX/XXXX. On or around XX/XX/XXXX I entered into a payment plan after combining my two student loans. After combining them, I entered into a payment plan with a representative that I spoke to on the phone. The representative set me up to pay {$110.00} a month toward my loan. I never really thought too much about it until my boyfriend and I sat down to pay off some bills and get our budget laid out. We noticed the amount owed wasn't moving at all. Upon looking at the bills sent to the house I was paying {$110.00} a month, but my interest was {$120.00} a month alone. How is my loan every going to get any smaller if I'm not even paying the interest? Why didn't the representative tell me when he set me up with it that the interest was going to be more?
In early XXXX I voluntarily contacted Diversified Consultants in regards to a C/O XXXX bill that became delinquent in XX/XX/2013. I know that bill was pass the statue of limitations but i wanted to clear the debt from my name. I spoke with a supervisor in XXXX in regards to a below blanket settlement of {$600.00} on balance of {$1300.00}. The supervisor agreed to a settlement of {$600.00} that would be paid in two payments of {$150.00} in XXXX and one payment of {$300.00} in XXXX to settle the account in full for {$600.00}. I asked the supervisor to provide me with a settlement letter as proof for my records and was told i would be emailed a settlement letter. I never received the settlement letter. I spoke with a representative a few days later in regards to getting a settlement letter and was again told i would be emailed a settlement letter. I never received a settlement letter but instead received a letter in the US Postal mail stating that i agreed to pay {$600.00} as payment towards to the total balance of {$1300.00}. Nothing noted on the letter reflected the settlement that was agreed upon on a recorded line. On Thursday XX/XX/XXXX, I received an alert from my credit monitoring service ( XXXX  ) stating that Diversified Consultants listed the same XXXX account as a delinquent account on my credit report in the amount of {$1200.00}. Its very unethical practices for Diversified consultants to  misrepresent the payment arrangement i made, they never forwarded me any settlement paper work regarding the approved settlement of {$600.00}. Instead i was forwarded documentation regarding payments towards the full balance which was never discussed. I stopped payment on the check immediately because I was mislead into a fraudulent arrangement that i did not agree upon. On Friday XX/XX/XXXX, I reached out to Diversified consultants and spoke with a supervisor by the name of XXXX. I informed XXXX of the situation and XXXX immediately became irate and stated that i would recieve a settlement letter until i paid the settlement balance which is not true because i was told on two separate occasions that i would be forwarded a settlement letter. I informed XXXX that i expected the negative remarks on my credit to be removed immediately because the arrangement was misrepresented and she told me that would not happen. I informed XXXX that i would make a complaint in regards to unfair practices and she told me to go ahead. The call ended and now i am here looking for help.
Professional Account Manage ment LLC h as been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment.  <P/> I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices.  <P/> On  XXXX   XXXX   2017  I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment.  <P/> On  XXXX   XXXX   2017 , I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices.  <P/> On  XXXX   XXXX , I contacted the original creditor who sent the debt to the collector (   XXXX   XXXX   ). They stated that I would receive a return call, but I never have.
We recently purchased a condo in XXXX XXXX, CA. Our lender : Caliber Home loans. Mortgage payment were set up as a direct deduction from my bank account. Since we travel extensively, I returned to the condo on XXXX XXXX and found several delinquency notices presumably to me from a company called XXXX. They bore an incorrect middle initial. We were never informed by XXXX or XXXX of any changes to our loan. Please advise.
Company name is goodmortgage.com I applied to them for a refi conventional mortgage on XXXX/XXXX/XXXX sent all forms request and got approved 3 to 5 days later Appraiser came out and report was sent 2 weeks later. <P/>They never used our title company and went with there 's It is XXXX/XXXX/XXXX and we have not hear anything from lender or underwriter we paid for appraiser and app but nothing is happening we just signed a closing doc last week and now its sitting pending review of the appraiser report again. we should have closed weeks ago.
I have filed a total of three disputes with XXXX and TrasnUnion for the removal of XXXX XXXX information ( totaling {$300.00} ) on my credit reports. Disputes were filed in XX/XX/XXXX ( online ), XX/XX/XXXX ( online ) and XX/XX/XXXX ( certified mail ). 

The collection account was tied to a workers compensation claim due to a work-related injury. There were numerous delays in the claim settlement and I was never responsible for payment of this account. The claim was paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX  of XXXX XXXX XXXX ( documentation provided ). 

I originally disputed this account in XX/XX/XXXX as noted on the current ( XXXX ) report. However, the account was not removed from my file as originally requested. In XX/XX/XXXX, I contacted the XXXX XXXX of XXXX ( XXXX ) to request the necessary documentation to remove the account from my file. XXXX sent the requested documents to XXXX and TransUnion on XX/XX/XXXX. I then filed a second online dispute with both companies in XX/XX/XXXX. 

After nearly 120-days the account remains posted to both reports. Whats more alarming is that XXXX has now listed that case twice, with a second ( new )  date of XX/XX/XXXX ( pg. 8 ). The legend indicates this is an open collection ( C ) with a report date of XX/XX/XXXX. This is inaccurate information and a duplicate reporting of the original account. This account needs to be removed from my files at both XXXX and TransUnion credit reporting agencies. 

Enclosed are copies of the documentation from the XXXX XXXX of XXXX and the original creditor, XXXX XXXX XXXX XXXX, indicating this account was settled and paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX of XXXX XXXX XXXX ( workers compensation ). I have also enclosed copies of both credit reports, in the exact format they were recently sent to both Credit Bureaus for the third dispute by certified mail. 

These inaccuracies are significantly impeding my mortgage application and lending rates, impacting my ability to purchase our first home. If XXXX and TransUnion are unable to resolve this issue in a timely manner, I plan to seek legal counsel.
We filed a BK back in XXXX or XXXX and did NOT have our 1st or our 2nd mortgages included in the BK. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER Ocwen Mtg Ln # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the Lawyer and found out that he got his licensed suspended at the time because of numerous complaints.
Equifax allowed my SSN and other information to be stolen. I would like compensation so that I can freeze my files at all three credit bureaus.
this is in regards to previous complaint filed with cfpb # XXXX Transunion responded that XXXX had responded that the status is " transferred to another office '' and they sent me the copy of the report. However the status still states " 120 days late ''. There is no balance, it is not possible for {$0.00} to be currently 120 days late. 

Transunion did not update the payment status at all and only added comments in the remarks section stating that I dispute the info and that the creditor states account was transferred. This did not update the status. THEY NEED TO UPDATE THE PAYMENT STATUS which means changing the " 120 days late '' to " account transferred ''. 

And they need to remove the dispute remarks from the remarks. 

I have attached a page from my XXXX  report so that Transunion can see how the status is supposed to be reported. Transunion has been reporting incorrectly for years.
I called AAA to active a credit card. I was told about a balancetransfer, Interest free until XX/XX/XXXX.
The Complaint that I have is with CONVERGENT OUTSOURCING, INC.. Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with CONVERGENT OUTSOURCING , INC . I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
At around  XXXX   XXXX  PDT on  XXXX   XXXX ,    2017, I logged into my online account associated with a Bank of America prepaid VISA debit card ( California unemployment benefits ). When I attempted to transfer funds from the prepaid card to my person al bank account ( in order to cover my monthly rent check ), I received a message that said that money transfers were " temporarily '' unavailable. The website did not indicate if and when users next could transfer funds.
On or about XX/XX/2017 I wrote certified letters petitioning Equifax, XXXX  and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.
In XXXX my mother opened a certificate of deposit with bank one and was to stay in the bank until I was of age in XXXX. And in XXXX ( the same year chase bank bought out XXXX ) my account stopped drawing interest and now chase has no record of my account. I have the orginal certificate of deposit reciet and it 's statements and still they say there is no record in there system and that I need to look at the states unclaimed property and it 's not there so I need help located my money it is a large amount and I want to be able to cash it in it has been XXXX years since I was supposed to be able to cash it.
Equifax admitted that personal information was compromised, including social security numbers. Mine was part of this list that was hacked.
I received a collection that was filed against me on behalf of an XXXX account I had entrusted a family member with for a phone service contract back in XXXX XXXX. I was contacted by this agency, to collect on behalf of XXXX. I advised the representative that this was an account I had as a family plan and that my family members failed to make good on the account. She advised me that the total collection was {$1300.00}. I advised them that I wanted to resolve this account, and asked if they had a settlement option that would allow me to resolve this debt at a reduced cost. 
They indicated yes they did have a settlement option and that for {$850.00}, I would settle this account. I confirmed with them via a recorded line, if I pay this amount this account would be satisfied. They ensured me yes it would once I made the payments of {$850.00}. I accepted and made the payment of {$850.00}. I continued to monitor my credit and saw the collection was listed as paid and removed from my credit report. In XXXX XXXX I received calls from another collection agency indicating that I had a balance of {$450.00}, which is the difference between the original collection and the settlement amount. I contacted XXXX and they advised me they saw my account was paid per the settlement agreement. But they indicated that my settlement agreement was just with them only and not a full satisfaction of the debt. 
Settlement by definition is " an official agreement intended to resolve a dispute or conflict. '' Therefore, as a consumer I was left with the impression that this debt was resolved as per my settlement agreement with them and this was also confirmed via their recorded line. Which they have the recorded calls to confirm this. 
My dispute is ; if in order to satisfy this debt the full amount would have been due, then that is what should have been communicated with me and no alternate settlement should have been offered. I paid the {$850.00} to them with the understanding this was a satisfaction of this debt, and that no additional collections would be perused. This account has now been filed again with collections. This has again had an adverse effect on my credit that I have been so cautiously trying to rebuild since the affects the XXXX took on my credit. I fulfilled the agreement to resolve this account with XXXX. 

XXXX, XXXX XXXX and now Diversified XXXX continues to deny that I satisfied this debt. As a consumer I feel that I have been misled, falsely informed and had my credit affected at the direction of this company for an additional time. I was advised that this was a settlement for the account NOT a partial payment. This is an injustice to me as a consumer to continue to be affected by this after I paid them in accordance with their settlement agreement in exchange for what I was told was a satisfaction of this debt. I have attempted to discuss this with XXXX XXXX XXXX, Diversified XXXX, XXXX, XXXX, The Wisconsin Department of Consumer Affairs, The Wisconsin Department of Financial Institutions ; without any success. I beg of the CFPB to provide assistance with this matter to find justice for the consumers.
A few weeks ago I tried to place a credit freeze on my credit report. Transunion refused to do as I requested. I filed a complaint with the XXXX and their response stated that I never asked for a credit freeze. I had no problem with the other XXXX agencies.
In XXXX or XXXX 2016, The Money Source, my mortgage company called me and said they were doing me a service to lower the interest rate on my mortgage at no cost, because I was a good customer. We started the mortgage refinance process in XXXX or XXXX, something I expected would be very quick since I already had my mortgage with them. But the process dragged out with me having to submit information over because they did n't get it, getting new requests from people I did n't know ( even a new request to lower my interest rate from some other person at The Money Source ), and slow responses from my loan officer. He said it would take about 30 days ; it took 90 day or more. I went through a lengthy process to electronically sign all the closing documents ; and then a closer came to my house and I had to sign all the documents over again. A week after the closing, I was requested to sign more documents. I was assured by the loan officer that this was not unusual. The loan officer told me I could skip a month on the mortgage payment and the payment would be made through the settlement process. But then while I was on vacation, I got two notices from The Money Source saying that I was behind on my mortgage. I sent these statements to the loan officer on XXXX XXXX asking for explanation and have not gotten a response. On XXXX XXXX I got an escrow statement from the closed loan account ( attached ). It showed no refund to me. I have done several refinances and always the escrow from the old loan is refunded to me. I called customer service and they informed me that the escrow was used to pay principle on the loan. They also said that could not happen without my permission. At no time during the refinance was it stated that my escrow account would be used to pay principal, and I gave no such permission to do so. I complained to the loan officer, and he stated that " the process requires the monies be posted to your principle balance ... ''. I 've never heard of this process. I had anticipated receiving the escrow refund.