WillisBack/dataset-financial-user-claim huggingface dataset:
This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Recent balance {$3400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
( paid before it was due online ) XX/XX/2018-i paid {$50.00} to Discover ( I am XXXX and am having problems with my bills, so I got legal advice that said to pay them something and pay on time ) { also, they previously not only let me go over luimit, but apparently confused me about things including about what was owed and " we '' thought I also had a 18 deferred interest rate aswell-note : someone helped me apply for this card originally because they thougt the 5 % ,3 % etc onpurcahese would be a good thing And Help My Credit, but apparently those purchases got 'fudged ' and it was never clear what actually qualified } Then they kept trying to get me to get aloan with them even I wasn't paying it off, but paying what they asked ( which was harder and harder and it kept going up even before a year ) and there were purchase I didn't make, but didn't know how ot dispute. Anyway, i went to frreelegal help and they said to pay at least {$50.00}. 
( tried to pay before it was due as well ) XX/XX/2018-i tried to pay {$50.00}. They wouldn't let me and I saw that they said I not only didn't pay in XXXX, but that I was also late. ( which apparently causeing problems with my credit now ) I have never been late on this card, we even made pre payments in the months before due { .example :. I paid them in late XXXX on a bill due in XXXX. } so I kept trying to pay them and they wouldn't let me. Then they started putting up options-like pay this amount for 12 months at different %, etc. So even though {$130.00} was too high, it was best option, even if it wasn't. I had too not pay on another bill for home needs. 
Then I started getting emails that my credit score had been changed and that there was activity on it. Which others were trying to keep from happening. 
XX/XX/2018-i went on to try and pay the again and they said min due was almost {$400.00} and that I was still late, and it was keeping me from paying the ' {$130.00} payments they bullied me into paying in XXXX ' Some chat person came on and I told them I have never been late and thety started condescending me again and not answereing my questions again. I finally, just said, well I guess im niot paying you and I will be respoprting you to XXXX, etc and also that I guess ill have to have the Debt creditr people help me now. ALL I wanted was tio have beter credit and to just live and be a good American. They left me no choice. now I have tio have a debvt consolidation company come in ( I really don't even owe them most of what they say-most is interest and other'possible fraud ' of someone else. I need help, they has caused me XXXX XXXX XXXX, etc. They have made the Credit reporting people now destroy my credit.
I have not received my check from the settlement from paymap. I followed the instructions but never got the check from the company but they are refusing to reissue the check for {$330.00}
According to Walmart MoneyGram website, it states transfer money within XXXX minutes, but when I called to inquiry, I was told up to XXXX hours. The XXXX minutes was highlighted next the the fee of {$4.00}
I learned that XXXX had sent a mobile phone debt to a third party collection agency Diversified Consultants Inc. when I applied and cosigned for a student loan for my son on X/XX/17. This appeared on my credit report under collection account. XXXX did and does not show anywhere on my credit report as the account was under my past employer. I utilized XXXX services when I worked for a former employer, received e- bills via email that I sent in with my expense account monthly for payment. We I left my former employer, the phone was taken away and I did not have access to email. The XXXX account did not show on my credit report as it was set up by my former employer. I called XXXX escalations at XXXX. I spoke with a Rep XXXX and his supervisor XXXX. He mentioned I had a balance of {$240.00} on the account. I told him about this being sent to Diversified for collection without every receiving a paper statement due to e-bill and not being to access when I left my previous employer. I would have paid the balance if I knew it existed to avoid issues. He told me that the debt would be recalled from Diversified and deleted from my CR if I resolved the balance, which I did, on X/XX/17. XXXX told me Diversified would received the letter within 48 hours. I spoke with his supervisor XXXX and she confirmed what XXXX had communicated to me. I also wrote a recognition letter based on XXXX 's patience and understanding in resolving this matter. ( I have copies of the emails sent to XXXX and payment confirmation ) .On XXXX/XXXX/XXXX, I called Diversified Consultants at XXXX and spoke with XXXX XXXX . I asked her if she received the retraction letter from XXXX and she indicated she did not. I asked her how she receives correspondence from XXXX and she told me electronically. On XX/XX/17, I then called XXXX escalations and spoke with XXXX as XXXX and XXXX were not available. He confirmed that the balance was resolved in full and the letter to recall the debt with Diversified was sent. I have a copy of the payment receipt so I asked him for a copy of the balance statement and information on the details sent to Diversified Consultants. Since this was communicated being sent electronically, it should have been available for the Diversified rep XXXX to view. XXXX put be on a brief hold and returned to tell me he could not provide me a copy of the letter or closing statement. He told me to wait and see what happens but could not validate the exact terms in the letter sent to Diversified. I then called back XXXX and she told me that I have to resolve this with XXXX as they are a debt collector. I asked to speak with a manager and she told me my agent was not available. I expected this to be resolved timely by XXXX based on my discussions and their commitments. My sons loan is on hold due not having the opportunity to resolve this when it was due. I never receive any letters from XXXX or Diversified Consultants.
There is a hard inquiry on XX/XX/2018 from XXXX that states it is a airline/hotel credit card but I have not applied for anything. I have read several complaints on this " nonexisting '' company. Company information is as follows XXXX. XXXX XXXX XXXX, FLA XXXX XXXX
I have tried on two prior occasions to have Equifax correct two entries on my report. XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Both events started in XX/XX/XXXX. I entered into a modification process with both lenders and was told NOT to make a payment during the Mod processXX/XX/XXXXwas modified and returned to current in XX/XX/XXXX.  XXXX was modified in XX/XX/XXXX and returned to current status. The Fair Credit Reporting Act 605 c 1 states Commencement of the delinquency which immediately proceeded the event. The entries of both XXXX and XXXX should be removed from the commencement, XX/XX/XXXX, until they became current. One continuous event. 


Thank you.
I am a victim of identity fraud and someone stole my identity and tried to open accounts using my name resulting in multiple inquire on my credit report I want them removed. 







XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automotive XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX   XXXX, IL XXXX ( XXXX ) XXXX
On XX/XX/2018 someone called Chase bank and claimed that they had made an ATM deposit of {$950.00} in cash but it did not appear on their receipt. Which the bank has never told us where this alleged deposit occurred. Then on XX/XX/XXXX someone XXXX to an ATM in XXXX XXXX Florida across from The XXXX XXXX ( which my son has never been to ) and withdrew {$500.00} then a couple hours later went to the ATM across from The XXXX XXXX and withdrew {$440.00}. On XXXX XXXX, XXXX XXXX and XXXX XXXX went to the Chase bank On XXXX XXXX and made a formal complaint on the account the bank made a reversal of funds pending investigation. They asked XXXX to file a police report which he did report # XXXX and after no investigation they undid the reversal and Then on XX/XX/2018 they removed {$950.00} from XXXX XXXX 's saving account and closed they case. I then called the bank pleading that this was a mistake. They said they reopened the case but still will not provide the location of the first transaction, what phone number called in to make original complaint, and if they ever looked at the footage. My son did not give his card to anyone or does he ever remember it being out of his possession so the bank just assumes that my son is involved. Why would we file a police report? We even offered to sign an affidavit of our non-involvement in this thief but the bank got their money back so they will not help their client of more than 20 years. Whoever did this I am willing to prosecute to the fullest of the law and now the bank won't give me any information They are now Telling me I will have to get a subpoena and investigate my own case. Please Someone HELP ME!!!!!!!!
XXXX XXXX 2017. 

In view of the XXXX problem, I tried to use all the three ( XXXX XXXX and TransUnion ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.
XXXX {$320.00} was paid and clearedConfirmation number is : XXXX
I am requesting all three of my credit files be updated with accurate credit reporting for all of my loans with XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. I have 8 loans with this servicer. All of my credit reports show current for XX/XX/XXXX, 90 days past due for XX/XX/XXXX, and 120 days past due for XX/XX/XXXX which is inaccurate. All 8 of my loans are in a deferred status.
My mortgage is through XXXX, I pay my payments at XXXX but they say the loan is serviced by MyLoanCare. I am unable to get either company to respond to my requests for information. My homeowners insurance changed dramatically ( from $ XXXX/mo to ~ $ XXXX/month ) and I no longer have an escrow but these companies are still charging me the original amount and I can get no one on the phone who can address the issue. I have sent multiple e-mails and 'contact us ' thru myloancare and freedom mortgage websites with no response.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
I am behind in my car payments due to unforseen personal circumstances. I had established a good standing with Wilshire up to the point of my default and and often paid early. I refinanced an existing loan only to have payment due in just 10 days. I have spoken to Wilshire several times about my inability to pay at this time and tried to work with them. Upon day 30 of my delinquency, they sent a repo man out to repossess my car and continue to call at all times of the day from various numbers. I tried to settle one month with the repo man but he was abusive and would not accept since I was a few days into the second month and he wanted 2 months or nothing. I told him that I was unable to do that and would have to pay my other bills instead. The phone number they are calling me on is my work number and the only number I have. I asked them to stop calling this number as it is affecting my work and ability to pay them back. They have ignored this request and on top of calling me incessantly and leaving nasty voicemails, they are now calling my references and have called one of my references at least four times that I know of. One of the calls they made to said reference was yesterday -- just after I had spoken to them and told them NOT to call my references since they know how to locate me. XXXX from XXXX XXXX ( the same number they call me on then leave a message to call XXXX which is Wilshire ) called at least one of my references at yesterday XXXX XXXX, AFTER my conversation with them at XXXX XXXX. This tactic is used to embarrass, harass and humiliate me ( I told them I know this is an unfair practice under the Fair Debt Collection Act ), not to mention ruin my reputation in a community I have worked hard to establish a name and a business. They know how to locate me! I had just talked to them! I told them I have every intention to get my account paid up and will do as soon as I can. It may be another 30 days, but could be sooner since I am in sales and have several deals in the works. Wilshire has proven they do not want to work with me, but harass and embarrass and intimidate me. If you read other consumer comments on the Web this is a typical tale, and many say do n't take a loan with Wilshire! Generally, I can not have no conversation with these people since they talk over me and are not interested in anything I say. It 's just " pay up or else ''. I am available and can be located as I said, but I do not answer every XXXX # call coming into my phone assuming it is a solicitor and I use this line for business and I am often with clients or need my phone available for incoming and outgoing business calls. Also, when I looked up the number they are calling me from XXXX it is listed under " Westlake Financial '' with whom I have no known business.
I have both federal and private student loans. My federal student loans are under a payment agreement, however, the private student loan lenders will not work with me. All of my private student loans came out of deferment in XXXX of 2016 or within a month or two of that time period. I gave XXXX in XXXX 2016 and then had a 3 month unpaid XXXX leave. Now that I am back at work I am struggling to pay for child care and get back on my feet. It seems at this point the student loans will have to go into default because I do not have the money to pay the lenders. My complaint is that if the lenders would help I could and would be willing to pay. Also, for my loan with Citizens One I owe more in interest then the beginning balance of the loan. I originally borrowed {$8600.00} and now owe {$16000.00}. I have student loans with XXXX XXXX, XXXX, and XXXX.
In XX/XX/XXXX, I purchased a two family home in XXXX, MA ( XXXX XXXX XXXX ; XXXX, MA XXXX ). The primary mortgage was in the amount of {$300000.00} and the second mortgage was in the amount of {$75000.00}. While my debt was owned/serviced by Bank of America ( hereafter, " BofA '' ), I qualified for HAMP  modifications due to unexpected and unforeseen costs associated with the property. 

The primary mortgage was eventually assigned to XXXX in XX/XX/XXXX, which assigned it to XXXX in XX/XX/XXXX. This mortgage is current. 

The second mortgage was extinguished through a modification in XX/XX/XXXX but BofA never filed the lien release. BofA has, however, has reported the account as " paid/closed '' /satisfactory since XX/XX/XXXX ( documentation provided ). 

Pursuant to a HELOC application with another lender, XXXX XXXX, a title search turned up the existing second mortgage lien. Since XX/XX/XXXX, I have been unable to successfully get BofA to commit to remedying. Although he is my assigned point person, I am not able to reach XXXX XXXX ( his calls always go to voicemail ). I was able to finally speak to him once on XX/XX/XXXX, at which time he indicated that BofA was researching whether the loan was a 'charge off ' ( though it was modified and reported to the agencies as such ( paid/closed ) for close to 8 years ). He indicated that it could take an additional 15 days to complete the investigatory process. XXXX XXXX wrote on XX/XX/XXXX to identify herself as the point of contact, although XXXX XXXX had stated an hour earlier that he was the point of contact. I do n't have much confidence that my case is not caught in a bureaucratic black hole. 

Given that this account was closed in XX/XX/XXXX, more than 7 years ago, that BofA is not remedying the situation immediately is exceedingly problematic. 

The case is indexed with the following internal BofA commit number : XXXX My details : XXXX XXXX ; XXXX ; Property Address : XXXX XXXX XXXX ; XXXX, MA XXXX ; Phone XXXX
I ha already complaint to you about ocwen twice 1. from the agreement that they had with you but the obmusman never and lied about not having the two accounts -- ( XXXX, XXXX ). I lost in total of {$670000.00} from AMHS that Ocwen own.
On XX/XX/2018 A letter sent to me from XXXX XXXX XXXX a collection agency.

regarding breach of lease agreement in the amount of XXXX I was a cosigner for my daughter on a lease for a rental. She had paid all her rent owed every month. When she left we cleaned the space and a couple weeks later the landlord sent a letter of damages due minus the security deposit. He sent it with several invoices from companies to perform work of said damages. these were only estimates not paid work that was done. The charges were from everything from gardener picking up dog feces to a charge for the entire property being pressure washed. Approx 3000 square feet. her rental space was an attached two bedroom granny flat to the primary home.

and other charges for repairs for his property that have nothing to do with the rental space. When I called the collection agency they informed me it was filed by a third party and that I needed to reach out to the person listed as the creditor. Which is the landlord, I called him several times and he has not returned my phone calls. I have sent a certified letter to both the creditor and collections agency that I strongly dispute this action. How can a landlord turn a renter into collection for made up charges for repairs to his property that he has not even paid for himself and these charges are false ...
This is the THIRD time I have tried to fix this issue with Transunion, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted. 

This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 3 MONTHS. 
I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
I co-signed my daughters loan for $ XXXX I have paid $ XXXX on the principal and another $ XXXX in interest. I called for a payoff amount and I was told I have a principal balance of $ XXXX. If I have paid $ XXXX in Principal then my payoff should be interest accumulated to date and the basic principal balance. why would I owe and addtional $ XXXX on a $ XXXX loan that I have already paid between principal and interest {$13.00}. I should owe the difference between $ XXXX and $ XXXX plus interest which would be around $ XXXX
I tried to transfer some AMEX points to my airline. And getting " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. ". Called AMEX customer, and got nothing useful.
I have an account with SunTrust Bank, from which I have never ordered checks. SunTrust bank cashed XXXX forged checks out of my deposit account and then charged numerous overdraft fees from those checks and other debits from the account. I called the next day to report the counterfeit checks, but they are saying that they will take 7-10 business days to " investigate. '' These checks are obviously counterfeit. They look like they were made from a copy machine, they were from a SunTrust Bank with a PO Box , and they were signed " XXXX ''. SunTrust now refuses to release my money back to me because of their mistake while they hold onto my money for 7-10 business days. This is an absurdly long time to investigate something that is a clear case of fraud because of their lack of security.
I have a loan with CHASE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CHASE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??