WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX closed my XXXX XXXX card without my knowledge or my approval. I have had that card for nearly 2 years, have always made payments on time and never carried a balance on it unless using its special promotional financing option.

I went to make an XXXX  purchase and find that the store card was declined. I signed into the account only to find a red bar across the top of the webpage stating the account was closed. I contacted the Customer Service department and all they could tell me was Synchrony decided to close the account due to my credit report. No other explanation or elaboration was given.

Both XXXX   and XXXX scores are over 669, my credit utilization is around 1 %, no derogatory remarks and no hard/soft inquiries. I have contacted XXXX XXXX. about the matter as well. However, since it is still legal for credit vendors to pull credit lines at will, at random and not require notification, I doubt they can do anything about it.
i have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX    XXXX   is blaming the credit transunion and transunion is blaming  XXXX   XXXX
BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX XXXX XXXX XXXX XXXX AND THEY WONT MODIFY MY PAYMENT ON A {$52000.00} BALANCE. I WAS PAYING {$1000.00} MONTHLY. THIS PROPERTY HAS SPECIAL CIRCUMSTANCES BECAUSE I BOUGHT IT IN 2000 FROM THE ESTATE OF THe OWNER. HE DIED XXXX. HE WAS XXXX. IFOUND OUT LATER MY DEED CONTAINED COMMERCIAL PROPERTY ACROSS THE STREET WHICH IS IN THE PROCESS OF BEING DEVELOPED. ALSO A BANK IS SETTING ON A PORTION OF MY PROPERTY AND NEVER PAID OR OFFERED A DIME TO ME FOR IT. I HAVE AN ATTORNEY BUT WE CANT GET THE BANK INTO COURT AND NOW HAVE SOLD MY PROPERTY AND THE MAN WANTS ME OFF THE PROPERTY. I NEED IMMEDIATE HELP. HE MAY HAVE ALREADY BEEN PAID FOR MY LAND ACROSS THE STREET.
XX/XX/XXXX We needed new utility service my wifeI was notified we had an old debt for utilities my wife was told we had to contact collection agency to which my wife did she called XX/XX/XXXX and spoke with XXXX XXXX who verified the service address to which we owed money for she was told by XXXX we could split payment up and then was given a confirmation number to which we had to supply to utility company for even being able to start new service-once utility company verified payment with collection agency our new service was started-Now over a 2 years later after reviewing both of our credit report we are both surprised to see where this debt still remains on our credit reports as unpaid as well-when I researched I discovered Collection Associates the collection agency did NOT apply the money we authorized for utility company debt to be paid but instead Collection Associates paid an ALLEGED debt we knew nothing about nor have we ever acknowledge-So we contacted Collection agency via emails along with emails to utility company asking this to be taken care of-the collection agency response was for my wife to call them-my wifes response to them was no seeing how last time she called you screwed that payment up-I did call the collection agency to which this was to be all taken care of and as of todays date it has NOT-Collection Associates withdrew money out of our bank account and applied money to an account we did not authorize the money that was withdrawn to be applied towards-when Collection Associates was notified of this they want to dispute any Wrong Doing they done-I also requested that they pull phone conversation up to which XXXX and XXXX on XX/XX/XXXX at XXXX and XXXX both said they would not do-I also requested that the phone conversation he was having a copy be mailed to us and I was denied this as well-XXXX also told me on the phone conversation of XX/XX/XXXX that their err of Collection Associates would be removed from our credit reports and as of todays XX/XX/XXXX date this has not been done nor has there been any copy of conversations mailed to our address as we requested-We want this collection agency removed from our credit files-if they pull up the conversations and mail them to us this would be proof our our account was paid and this collection agency made MISTAKES-needs to removed via the collection for XXXX that we ow {$0.00} to and ultility bill {$0.00}
Checkr, Inc. 
XXXX, CA XXXX XXXX is reporting outdated information. The information reported to the potential employer is more than XXXX years old and may bar me from getting hired.
wrong address reported by XXXX leasing Company. 
I never lived at XXXX, they delivered merchandise to this address for pick up, but it was an office location. It was never my living address, please remove. It was mistakenly reported to both Transunion and XXXX, also my current address is XXXX XXXX XXXX XXXX Fl XXXX, however it has been removed as a current address with XXXX this is an error. Also, my listed age of Credit history is mistakenly listed as 0 years and 6 months with XXXX creditors. This could be due to my recently closing an account, this is an error. It should be listed as atleast 2 years. Please update, thank you
In my divorce it states that my ex husband is responsible for everything with the house. I signed a quit claim deed in the process as well. I am the primary borrower and he is the secondary borrower. I found out that he modified the loan without my permission. I called the lender to see if he had signed my name. They said they only needed one signature. I explained that I know you always need everyone 's signature. They stated that since I signed a quit claim deed they did not need my signature. After signing the quit claim deed I found out that the quit claim deed has nothing to do with the loan. After explaining this as well they told me sorry that 's the way it is. I stressed if they do n't need my signature then they do n't need my name on the loan and to remove it. They said that was not how it worked and just kept repeating that 's the way it is.
I 'm dealing with Allied Collection Services over a medical debt from XXXX. Under threat of the debt being reported to the credit agencies, which could result in me losing my professional license and my ability to receive the business loan I need to start a business five years in the making, I agreed to start making monthly payments with the stipulation I not accept responsibility for the debt. I had been keeping track of the balance owed and called to reconcile my balance sheet at which time I learned {$2800.00} in collection fees and interest had been added to my account, more than three times the legal limit of XXXX + the prime rate of the largest Nevada bank. Allied claimed the creditor added it prior to sending it to collection, the creditor said they add on what Allied tells them to in order to cover the cost of hiring Allied to collect the debt. Over 45 days ago I asked both Allied and the original creditor for a copy of any payment agreement I signed agreeing to pay this amount of interest and fees. Allied said the original creditor would have it if something like that exists. The creditor says the payment agreement I signed is somewhere in storage and it would take two weeks before they MAY be able to retrieve it. I called again today, 47 days after the original request and they said they had n't gotten it yet and to give them another two or three weeks. Allied wants another payment immediately. XXXX XXXX, the rep for Allied said not making a payment will result in the credit agencies receiving the debt, my payment agreement becoming void, and a lawsuit filed against me for the balance. 
Also, as you can see on the documents I 've attached, most of the {$3500.00} I 've paid toward the debt has been put toward interest and fees instead of to the principal as mandated by Nevada statue XXXX
After refinancing my mortgage in XX/XX/XXXX with the company, I was making payments that should have been escrowed for taxes and insurance. Unfortunately they did not set up the escrow account. I had no knowledge of this until XX/XX/XXXXafter my had had suffered damages from hurricane Irma. When I called my insurance carrier they said I did not pay the premiums and therefore I am not covered. I immediately contacted my mortgage company the agent that wrote the policy and my mortgage broker. The employees of my mortgage company tried to tell me o was responsible for the house not being insured. I continue calling them until I found someone XXXX XXXX who was willing to listen and research what had happened. 
Because the house was not insured, the mortgage company placed a forced placed policy on the house that had a ticket price of over {$8100.00}. I continued calling my mortgage company and had no success. After much research into the company I was able to find the names and email address of management and emailed them and the consumer ombudsman. I decided to email them of my problem. Two months later in XX/XX/XXXX I received a call from an XXXX XXXX who identified himself as the owner of the company. I was also in communication with an XXXX XXXX. I was told that I should not be held responsible for the lack of action on the part of the company and would not be responsible for paying the forced placed policy. I was billed for over {$6700.00} putting my escrow account in the negative as a result. The mortgage company had scheduled an assessment of my damages and it came up to {$10000.00} and change. After numerous emails and phone calls to the mortgage company I got them to agree to give me the difference of what my deductible and the $ XXXXso I can get the repairs done and secure my own insurance. The approval of the checks took months, thus delaying the repairs and my ability to secure insurance so the forced place policy that did not cover me and my belongings could be removed. They sent the check in XX/XX/XXXX for a little over {$3100.00} I worked with a general contractor for the repairs done and obtained insurance in XX/XX/XXXX. I do not think it is fair that I should pay the {$6700.00} and change for the premium since they initially agreeed it was their mistake. And now I am in touch with XXXX XXXX and she said that was never agreement made. She is claiming the {$3100.00} check was to help with insurance when that was solely for the claim that was processed for the repairs. I told her if my original policy would have been a set amount I understand I needed to pay that bill me for that but the mortgage company need to own their part in the fiasco. I should not pay for their mistake. I would like a refund for the forced placed policy.
I 'm unaware of what debt they 're referencing - requests for written documentation have been ignored. I 'm receiving calls 3-5 times a week at my place of employment and they 've been requested and put on notice numerous times to not contact me at work.
I have incorrect information on all the credit reporting agency, Experian, XXXX, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. Experian incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XXXX XXXX XXXX  {$50.00} OPENED ON XXXX XXXX XXXX {$15000.00} OPENED XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XXXX XXXX XXXX XXXX {$87.00} OPNED ON XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XXXX Blank info listed as collections as {$100.00} opened XXXXand {$50.00} opened XXXX XXXX XXXX {$1800.00} OPENED XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
I have been declined for fraudulent reasons by Caliber home loans. I have been trying for months to get a loan modification. I am over my hardship. Caliber is now declining me because I 'm over my hardship and back on my feet. They state I make to much money. They are also declining me based on FRAUD appraisal of my property. They state I have a LTV of 70 %. I have spoken to a licensed appraiser and a real estate agent. They value the Caliber is using is 100 % fraud. I thought that the lenders in America would learn from the greed and mistakes from the mortgage crash of 2008. Caliber is clearly acting like a predatory lender.
In XXXX of 2018 I was solicited to borrow {$2600.00} from cash net, I borrowed it thinking it would be reported to the credit bureaus to improve my credit, but then found out that they do not report and that they are charging me 187 % interest rate
XXXX reporting XXXX XXXX as inquiry. This is unauthorized inquiry. I have contacted XXXX XXXX  and they have no record of this inquiry. XXXX  reporting this falsely and providing written proof per my letters
The amount of {$190.00} has ( should ) been paid by my Medical Insurance : PREFFERED MEDICAL PLAN to XXXX XXXX XXXX Ive been referred on XXXX XXXX.2015, to XXXX XXXX XXXX by my Medical Insurance which sent a Referral as they requested. Without Referral the XXXX XXXX XXXX will not do the procedure unless if the patient will pay on the spot. I paid my Medical insurance monthly, till to the end of XXXX  2015, after that the Insurance went out from the Market. When I received the letter from XXXX XXXX XXXX requesting me to pay {$190.00} I called them immediately to clarify the matter. As it said on their letter : If you have any billing questions, please call XXXX XXXX at XXXX I was calling every day but XXXX XXXX XXXX, never answered, so I left message every single day but he never returned my call. He preferred to send me to CREDIT REPORT AGENCIES.NAMED :  FIRST FEDERAL CREDIT CONTRAL, XXXX, that already reported me to Credit Agencies
XX/XX/2015, I unknowingly cashed a fraudulent check that was sent to me at my college campus. I was n't too concerned because I work in the office of donations to my school and see checks sent to the school, departments, and even students all the time. I have great relationships with the staff and faculty at my school and am an excellent student. So I assumed that one of the many faculty/staff members that know me was able to procure a donation for my financial aid. A week after I cashed the check, Wells Fargo called me, informed me that it was fraudulent, said I owed them {$2400.00} and said goodbye. Since then, they have sent mail to me via my school address and reported the incident to the collections agency which prevented me from getting any loans for this year. I also was not able to get an apartment for my last year of college which was something I desperately wanted. I personally feel that a giant financial corporation such as Wells Fargo should not be taking advantage of a college student that figured the bank she had been with for three years would look out for her. But instead, Wells Fargo has made my life XXXX when they could blow their noses with {$2400.00} yet they want to force me to pay it back and if I do n't, my life will never progress the way it should.
PURSUINT TO LAW 15 U.S.C 1681 et seq. It's Statutes and it's Amendments - TRANSUNION, XXXX  AND XXXX   COMMITTED FRAUD AGAINST MYSELF AND THE FEDERAL GOVERNMENT IN THAT THEY WILLINGLY CONSPIRED TOGETHER TO ; # 1. ILLEGALLY REFUSE TO ADD MY STATEMENT OF DISPUTE, 1st ATTEMPT, TO THE NEGATIVE ACCOUNT FOR WHICH THE FIRST STATEMENT OF DISPUTE WAS INTENDED FOR. ( Statement of Dispute- mailed via USPS on XX/XX/XXXX. Action taken by TransUnion, XXXX and XXXX  Credit Bureaus- No Action Taken. ) # 2.  ILLEGALLY DELAYING XXXX MONTHS, ( XX/XX/XXXX - XX/XX/XXXX ), TO ADD 2nd STATEMENT OF DISPUTE TO NEGATIVE ACCOUNT FOR WHICH THE PERSONAL STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion, XXXX and XXXX found on XX/XX/XXXX ; Criminal Conduct- Elimination of all Accounts in Good Standing in Retaliation for pressure to add Statement of Dispute- 2nd Attempt sent XX/XX/XXXX to negative account for which the Statement of Dispute was intended for. ) # 3. TRANSUNION, XXXX  AND XXXX ILLEGALLY DELETED ALL ACCOUNTS IN GOOD STANDING FROM MY CREDIT HISTORY IN LIEU OF ADDING MY PERSONAL STATEMENT OF DISPUTE TO A NEGATIVE ACCOUNT FOR WHICH THE STATEMENT OF DISPUTE WAS INTENDED FOR. ( Action taken by TransUnion per my call to them in XXXX on XX/XX/XXXX ; Attempting at present to cover their criminal conduct, against myself and the Federal Government, by deleting both my Personal Statement of Dispute and the Negative Account for which the Personal Statement of Dispute was intended for. TransUnion also stated to me in response to a written average dispute that I submitted to all 3 of the afore mentioned Credit Bureaus in XX/XX/XXXX that the Negative Account spoken of above, which is " XXXX XXXX XXXX '', and the collection agency, " XXXX XXXX XXXX '' who purchased the charged off negative account of XXXX XXXX XXXX are owned by the same people and hence could not be removed, even though the negative account by XXXX XXXX XXXX is an Unknown Creditor and was disputed as such per my legal right. - Action taken by XXXX ; Attempting at present to conceal their criminal conduct by having deleted my Personal Statement of Dispute from the Negative Account that it was previously attached to and by showing only XXXX Accounts of many previously in Good Standing and showing those XXXX Accounts as closed. - Actions taken by XXXX  ; Unknown at present. )
I received in the mail today a 2016, XXXX from this company. On the XXXX they fraudulently identified this debt on Line XXXX as " XXXX '' when it should have been listed as " XXXX '' for Bankruptcy. This company is very aware of my Chapter XXXX bankruptcy discharged in XXXX 2016. They have received multiple correspondence of this bankruptcy since XXXX 2016. They intent is to deceive the IRS in order to write off this discharged debt that they know is not taxable by federal law. In addition, they have fraudulently notated this debt to the IRS so I can be held liable for this debt.
My loan servicing company received my loan in XX/XX/XXXX from the seller of my loan. The new company is XXXX servicing being serviced by Loancare, A service link Company, XXXX XXXX. On XX/XX/XXXX My homeowners insurance was canceled due to nonpayment. I spoke with Loan care on XX/XX/XXXX and they advised they did not get an invoice from the insurance company and therefore did not make a payment, but they refunded me money because my escrows were overpaid. When I spoke with Loancare they advised they would send the payment in that week. XX/XX/XXXX I received a letter from Loancare wanting proof of homeowners insurance. Weird because they paid my insurance. No not weird they never paid my homeowners insurance that was being escrowed. When I called in they advised I never notified them who the insurance company was so this was my fault. The information was with the mortgage company that sold the mortgage to them, I would think that all necessary information would transfer over to the new company. Per Loancare the information does not transfer over and it is the homeowners responsibility to be burdened with this matter. I demanded to speak with a supervisor or manager and they said I would only get a call back from one in 24-48 hours. There is never a manager available to speak with at this company. After two days on the phone and quite a few hours my homeowners insurance has been cancelled for 45 days and the loan servicer has my money that was designated to make this payment from my escrow account. The worst part is this is the second time I have had to request they make this payment in the 45 days and is unacceptable that it was not done as required by contract.
I contacted Equifax, XXXX and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.
The collection agent named XXXX XXXX at Revenue Group, stated to me word for word when I asked why she needed my employment, " You do n't need to worry about that, we will find your employment, trust me ''.
This company I am complaining about is called XXXX XXXX. I make monthly payments to them. Unfortunately, due to unexpected expenses I was not able to make my XX/XX/XXXX payment of {$27.00}. I have been on time previous to that. So, a late charge of {$36.00} has been added to my account which I was aware would happen and planned to pay what the amount due is on XX/XX/XXXX which is when I get my next XXXX check. They started calling me on XX/XX/XXXX. I called them on XX/XX/XXXX and explained my situation and told them when I can make a payment. The man I talked to was aggressive and kept interrupting me. But, he finally said he would note my account when I will make a payment. Well, the calls have continued twice a day and they even sent emails. I unsubscribed from emails but the phone calls continue. And, when I have answered the system hangs up on me. Sometimes a recorded msg is left on my voicemail and sometimes it hangs up when my voicemail is activated. They are using up cell phone minutes in addition to harassing me.
Round Point Mortgage XXXX NC XXXX I have mortgage with them escrow account also. 
My Flood insurance was not sent to the right address for XXXX in XXXX, the check they made out was the incorrect amount also and it is lost and they have not corrected issue and put money BACK in my escrow account I made the payment to fema and have doc. to prove which was faxed to them by fema. amount owed to my escrow account is XXXX the check they made is # XXXX. 
My homeowners was sent to the wrong address also and it still has not been received to XXXX XXXX amount XXXX. from my escrow acct. 
I am going to XXXX XXXX today to pay XXXX so it is not cancelled. 
I have called Round Point customer service almost daily to get resolved they have not as of today fixed this issue. I would like to get answers on this. I am refi-ing to get away from them and do not want to lose over 1500. in escrow due to their negligent behavior thank you XXXX XXXX
On XX/XX/2018 Citizens Bank cashed a fraudulent check in the amount of {$4200.00}.

To date they have refused to reimburse me my money, even though it was clearly their error in cashing a clearly fraudulent check.

You sent me an e-mail stating the case was closed because company responded.

Citizens Bank has not responded and I do not have my money back.

This has gone on long enough.

Please investigate further. 
Thank you. 
XXXX XXXX