WillisBack/dataset-financial-user-claim huggingface dataset:
The following accounts do not belong to me but yet the credit agencies are still reporting them without providing me any proof whatsoever besides coming back saying the account has been verified, by verified by whom and with what documents inwhich was never provided to me, in order for these agencies to continue to report one sided information with really conducting an investigation should be held responsible and action taking against them, the accounts I'm saying is not mines dates are XX/XX/XXXX, more specifically XXXX XXXX and XXXX XXXX. Its not my job to XXXX  a collection company, its XXXX XXXX   and Transunion job to report accurate information inwhich should be accompanied by physical documentation when reporting anything. What you report affects people livelihood and the XXXX breach was very real so please take inconsideration that all is possible. The FCRA requires that each account is provided with physical verification, or the account must be removed.
i had secured credit card with wells Fargo. early this year they have closed the account with out telling me ( its ok ). they were supposed to refund me my security deposit and it never took place it has been more than 8 months and I have not received funds back from these XXXX. I have filed complaint with you about 3 weeks ago and nothing took place on Monday I am filing law sit against wells Fargo. they have been advice and they are ignoring me. and as for CFPB you are doing nothing to help the  consumer. they can not come up with XXXX excuses over and over and over and not refund my money. I do n't have any judgments.
To whom it may concern, I attended XXXX university back in 2001 formerly named XXXX. I received my XXXX in XXXX XXXX I was so happy as a single mother with an XXXX XXXX little that I know it will be hard to find a job with my degree. I went back and received my XXXX in XXXX  XXXX XXXX, after I graduated it was still hard to find a job with my degree. I went to a XXXX college none of my credits were transferred due to XXXX not accredited. XXXX has a problem with omissions. For instance, they say they are accredited. They are, but only for a couple of schools. Many schools, including major universities and colleges, will not accept credits from XXXX.Myself and dozens of other students who attended XXXX College were told that the student loan monthly bill would be not be that much however it turns out that it is approximately {$800.00}. Also, prior to signing the loan agreement, the recruiter told myself and other students that we can transfer our credits to any college of our choice after we graduate from XXXX University however it turns out that XXXX University is non-accredited and credits can never transfer. That a was a big FAT LIE now I have a degree that I can not utilize and owing {$84000.00} or more in student loans please help.
Earlier this week, we were alerted to the fact that the personal financial information of consumers had been compromised due to an " epic breach '' at Equifax, one of the three major credit reporting agencies. 

One piece of advice given to consumers was to freeze their credit files with all three agencies - Equifax, XXXX and XXXX. 

Equifax is still permitted to CHARGE for a credit freeze, effectively allowing them to profit from this breach. They further want to CHARGE people for the privilege of having their credit files monitored for fraud or other unusual activity, a service that all three credit reporting agencies should be providing for FREE 365 days a year. 

To use the word " outrageous '' is an understatement. I am reporting gross incompetence and mismanagement of my financial records at Equifax.
This the second time I have had to file a complaint about the same issue. Please reference XXXX and XXXX. 

The company agreed to remove late payment that was reported due to a returned payoff on XX/XX/2018. They have reported the correct information to XXXX, but XXXX  and XXXX still show the late payment. I have been calling almost daily to have this corrected, and I have been told that the information has been sent. XXXX  is still showing a balance of XXXX on this mortgage account. The balance is XXXX. I have disputed this information twice since they have agreed to correct the information and nothing has changed. There should be no late payments and a XXXX  balance on the account. 

Every call starts and ends the same way. The customer service reps do not understand that this is an ongoing issue. I am placed on hold so they can read through all the notes and in the end I have to be transferred to a escalation specialist that does not offer much help either. I ask to be transferred to a manager and they do not call back. The company has agreed to remove the negative information and they have not done so.
My ex-boyfriend ( and the father of my older XXXX children ) fraudulently opened a XXXX Wireless Account ( and possibly other accounts ) using my Social Security Number and an alteration of my name. I tried disputing the account with XXXX when I first became aware of it in XX/XX/2014, but never submitted the fraud packet to initiate the dispute. I was recently told by a representative at XXXX  that I need to file a police report, but I have no address or phone number for my ex-boyfriend, I only know that he lives in XXXX XXXX County, MD.
XXXX automatic payment spiraled my account into an overdraft frenzy, simply because there was insufficient funds for a {$10.00} transaction. I made an attempt mid XXXX to fix the situation, and Wells Fargo said they would not reverse the fees, and I refused to settle. One week later, I had an overdraft fee from a XXXX transaction that should have been covered by my paypal balance, because Wells Fargo said " those transactions process by XXXX XXXX '', not explaining that XXXX will send that transaction immediately to Wells Fargo if i had insufficient funds in my XXXX account. In addition to all that came before this, I contacted my Insurance company to try to pay for my bill another way when I knew the account was overdrawn ( because it was coming direct from my account, but i wanted the overdraft fees reversed before I used my account again ), my insurance company never responded to my calls, and tried twice to take fees out, causing XXXX more overdraft fees. Months and months ago i ran into a similar problem where XXXX overdraft fee resulted in XXXX and I refused to pay for all but the one that started this fiasco. It resulted in me contacting CFPB for help. I had my account set up so that if i had insufficient funds that no money could come out. But I guess that 's only for in stores or something. Its been a nightmare! 

To prevent more from incurring, I have since put a stop payment on all my automatic-bill transactions, filed a dispute with Wells Fargo about how I attempted to change my payment method with my Insurance Company, but was ignored so I could n't pay for it in time, and contacted all the companies I have automatic payments with to freeze/hold all automatic-bill transactions until further notice. I have filed disputes for XXXX and for XXXX XXXX company. I really would like all the overdraft fees, aside from the one that started this whole mess, to be waived, and for me to get my finances back on track. I have so many things i need to do and I ca n't even open a bank account anywhere else until this is settled. It 's very upsetting how much work I have to do to repair this account, when all I had to do was give the bank what I actually owe them, which is {$31.00} ( XXXX transactions ) and XXXX {$35.00} overdraft fee. I just want to close my account and find an alternative, like a credit union or online bank. Please help me, this is absurd how much they want me to pay right now.
Submitted a " dispute request '' concerning XXXX XXXX XXXX XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). XXXX XXXX XXXX XXXX remains on my credit report.
XXXX and XXXX is fraudulent please have these hard inquires taken off I don't know why or how this was done but it is not me and it is not right. I don't even know what XXXX is i have called those numbers and they refuse to help and chase is totally incompetent in rectifying this situation
I disputed with all three credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX 's rep XXXX. I was told by XXXX 's agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX Website as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.
In XXXX 2015 Seterus Inc. sold me an insurance policy that I did not need nor want nor did I request it my property is and as always been covered by a policy I buy the account does not nor never had a escrow account. Seterus established one and is now billing me for it even though I have submitted proof of insurance multiply times. I have been calling for months to just get a continued billing the following month. different people have said it was taken care of and when I request that person there is no one by that name working for them, Requested a hard copy of information and have never receive it
I received a call from XXXX XXXX on XX/XX/XXXX regarding a theft by check charge. They reported to me that I held a bank account at Bank of America and have not paid back a payday loan. They have threatened to file the complaint unless I make some restitution today. The company is XXXX XXXX, and phone number is ( XXXX ) XXXX. They called from another number ( XXXX ) and when I tried to call that number, it was out of service. 

I do not recall having a Bank of America account in which I took out a payday loan. 

This is the second time I have received a call regarding this charge. 

The first time was inXX/XX/XXXX on XX/XX/XXXX from a process server who then threatened an arrest warrant if I did n't comply. I tried to speak with an attorney who then attempted to make me pay the debt that day. I was threatened that if I did not make a deal that day to pay over {$7000.00} and sign an arbitration agreement then they would file the complaint in Texas ( this company is in New York ).
I am constantly receiving letter 's from Ocwen Loan Servicing. 
About possible foreclosure proceeding on my home. 
This happen is every month. 
I have been on time with my payments, and I am not behind on them.
The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS. XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX
According to PA law, " The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. '' The Statute applies to most private student loans ( not government or government-backed loans ) is the four-year Statute of Limitations applies to Private Student Loans.

It has been expired a long time ago but post on my credit report recently.

Also, they have post the wrong information incorrectly and it should be removed the incorrect information from my credit report.
I, XXXX XXXX hereby claim that an upcoming foreclosure against my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is illegal based on the merits of a recent decision known as XXXX  XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX from the Superior Court of New Jersey Appellate Division,  Docket No. XXXX. This decision is extraordinary on its own merits as it restricts foreclosures in the state of New Jersey if there is not evidence proving that the note and the mortgage are held by the same entity. As Judge XXXX XXXX XXXX XXXX said pertaining to previous decisions : It is difficult to imagine circumstances where one would want to hold a mortgage, without having the right to act on the underlying debt. By the same token, there is no technical reason why the interests could not be separated in one way or another. To simplify, the current mortgage servicing company Bayview Loan Servicing, nor the mortgage assignee The XXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX, as Trustee for the Benefit of the certificate holders of XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX v. XXXX XXXX XXXX, et al, Docket No. XXXX. The original mortgage was procured with XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX, TX XXXX, recorded XX/XX/XXXX, and assigned to current mortgage holder by XXXX  XXXX XXXX XXXX , XXXX, as nominee for XXXX XXXX, XXXX. by electronic signature XXXX XXXX, Sr. Vice President on XX/XX/XXXX. The law firm doing the foreclosure, XXXX, XXXX XXXX XXXX, XXXX. File # XXXX has no official capacity at this point to move forward with a scheduled foreclosure date XX/XX/XXXX until this proof of all documentation is completed. The Federal Deposit Insurance Corporation has been notified of my claim as well as the New Jersey Division of Consumer Affairs. The foreclosure on my home will be illegal and should be ceased immediately until all proof has been established on rights to foreclose.
This number ( XXXX ) has called my father multiple times in the past two months! how can it be legal for them to harrass my poor father who works as a bread route driver has called my father 5-6 days a week? 
unreal! they call asking for me. Also I have never used his number in any bank or credit applications.
After waiting for nearly a month to receive the credit card I've been approved for, Citibank has frozen my card with an identity theft flag and has " exhausted '' all their methods of verifying it. I am now stuck as a captive customer, can not use my card and can not discuss the activity on my card because I am assumed to be an identity thief. 

I've tried to amicably resolve this issue with my credit card issuer, but the only alternative to their verification is to send a letter through the mail and have me call them back with the code. I have waited multiple days for this letter to arrive, have asked them to provide a tracking number or to re-send and expedite it but to no avail. Citi has given me the explanation that as a business, they can not do that. 

This situation has caused me enormous grief and can not understand why I am assumed to be a criminal by my card issuer. 

Please help me resolve this issue with my card issuer!
I had an investment property in florida that I sold last XXXX, 2018 in a short sale. The original loan had PMI on it and the shortage to the bank was paid from the proceeds of the PMI policy on XX/XX/XXXX of 2018. In short, the bank, Fifth Third Bank, was made whole and suffered no loss. 5/3rd sent me a year end statement that verifies the same. Two weeks after I received the year end statement, 5/3rd then sent a 1099C showing a discharged debt. This 1099C should never have been created as there was no loss to the bank and the PMI made the bank whole. Ive spent hours on the phone repeating the same information over and over again and while they've acknowledged they made a mistake, they have not corrected it and I can not file my taxes until they do. They need to cancel out the erroneous 1099C 's issued to both my wife and myself and provide me with proof of the same.
I have a credit alert service with XXXX. I received an alert today indicating that a credit inquiry was made by Experian on behalf of XXXX on XXXX/XXXX/2016. There should be no reason for this credit inquiry and may indicate fraud. ( Our tax returns were fraudulently submitted last year. ) See attached jpeg. Your help would be appreciated.
Judgment against me listed on my credit report, however under " Status '' it 's reporting as " unknown. '' Now, as public record, the reporting agency could easily have found that the debt had been settled XXXX/XXXX/2014. I haven been denied housing and utilities due to this " outstanding judgement '' for several years. I need this fixed immediately.
I gave the title company XXXX as per the hud1 attached.  It was for payments ahead since the attorney (realtor) said I could pay ahead on the land contract since REC are paid ahead, but mortgages are always paid arrearages.  However the payment did not go to the escrow company.  I asked XXXX XXXX in a claim I made to XXXX XXXX about the money and she did not provide the copy of front and back of the check to me to provide to escrow because the attorney who did the purchase contract between me, XXXX XXXX XXXX and the sellers, XXXX XXXX and XXXX XXXX, mortgagors for the wrap around mortgage does not have it in the escrow company the two attorneys chose, XXXX XXXX.  
The attorney is confused and did a default letter because he was not present when the contract he did was explained to us by the title company escrow officer, since XXXX XXXX, and XXXX XXXX was the title company preferred vendor.
Now the attorney says represents the seller, and I did not know that, I did not know I can contact an attorney, and I do not know if the buyer agent is then the title conpany
HOwever, the seller is in default of the mortgage because says never got my payments from the title conpany and that is why he was late and now owes XXXXK to the bank and they are foreclosing and says he has been in hardship due to the missing XXXX a the title company  Maybe the title conpay paid some other land contract?

However, I paid and I am paid until XXXX and they are taking the house awy from me.   The escrow conpay only has XXXX to offset the XXXX missing at the bank.  Please help tracing back the $XXXX from title company that propelled the XXXX missing from the bank through escrow.  
thank you we want to keep our house I am a single mother of XXXX XXXX, XXXX, and with one XXXX kid.

I got a substandard house i changed the ac, the heater, the water heater, repaird roof, floor windows and paid all months and only owe XXXX in my house.  XXXX
I currently am trying to find a new job after losing my first one. Since then I have not been able to pay my loan and I have explained this. I am being harassed constantly by gold star finance. XXXX XXXX comes to my house embarrassing me in front of my family and friends telling me I need to come in and see her. I also have been receiving several phone calls and left several voicemails everyday from gold star. I'm just sick of it. They threatened to come take my belongings as collateral and damage my property to do so. It's very depressing. When I get the cash I can come pay them. Other than that I really wish they would stop harassing me. It makes me want to just end it. I can barely pay my Car note. This Is a small town with XXXX employers and they won't hire me anywhere. Ive been trying to move so I can pay my bills but I have no gas money to keep driving. The XXXX all starts with losing my job then being harassed by loan companies. I hate my life because of this.
Hi My Name Is XXXX XXXX, I need help with a very serious situation. 
My situation : I had rented a home 10+ years ago. The man I rented the home from was a slum lord and we moved out of the home 2 months earlier because he refused to fix things at the home and said it was my responsibility! 
They sent it over to a collection agency by the Name of Advance Debt Collectior locates here in XXXX Indiana theyre phone number is XXXX ) XXXX-XXXX- act # XXXX They have been harassing me and my daughter that lived with me on our lease at that residence my daughter lives in California they are harassing her and also trying to garnish her wages. I myself am XXXX Im on XXXX. However I receive at least 5 calls from them every day saying now my debt has went up. I originally owed them XXXX XXXX dollars Ive paid them off all but XXXX dollars I paid because they were scaring me over the threats. Please help me. XXXX Thank You So Much in advance
On XX/XX/2018 my wife did let she do every month went to XXXX XXXX  to do a debit transaction with our XXXX XXXX debit card. She was transferring a total of {$1000.00} from the XXXX XXXX debit card to our XXXX XXXX  account but the transaction was decline because there was only {$1000.00} on the XXXX XXXX debit card and she thought it was {$1000.00} on the card. The transaction did not go through I was charge a {$1.00} for a decline fee. After this my wife decided to wait for the next day to redo the transaction because XXXX said they could only swipe the card once. My wife left the bank to go to the store and the card was decline because funds were not available. At that time i went on line to look at my account and saw where it had the {$100000.00} pending so I called the customer service number and they told me that my money would be available in 6 hours so I took their word for that. The next day I went on line to look at my account and my money was still pending. I called the XXXX  XXXX customer service agent again and this time they said that I would have to have XXXX XXXX send them a memo stated that they will not try to get the money back and then they could release the money in 6 hours. We went to XXXX XXXX  and the customer service agent said that once the transaction was decline they had no legal rights to the money so they were lost on why they had to send any kind of statement in reference to getting our money back. I called the customer service agent again and told her that we needed our money and she said she would see what she could do. I gave XXXX  2 days and I went to look on my account and still the money was still pending. My wife went to XXXX XXXX and called one of the supervisor at XXXX XXXX and she had one of the customer service agent with her and the custormer agent from XXXX was willing to tell the agent from XXXX  XXXX that there was no way that they were going to come back and take the money back that was decline but the XXXX XXXX supervisor would not talk to her on the phone and got very up set with us. Today is the XX/XX/2018 and our money is still pending on our account. I have not paid my mortgage and other bills because XXXX XXXX still have my money pending. My name is XXXX XXXX and I would like for you to help me resolve this problem so I can get my money to pay my bills.