WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX I met with XXXX XXXX XXXX ID XXXX. She ran my credit via a hard inquiry without my authorization/permission. My credit report has been negatively affected due to this. Please contact the bank and have them remove/reverse the credit inquiry. I have filed a complaint with the bank CASE # XXXX. 

I am completely displeased with the bank and the employees negligence to my personal data and social security # Never do business with citizens bank ever again.
I have paid the debt and ca n't get them to send me a receipt. I have called almost everyday since XXXX/XXXX/16.
This Finance Company sold my mortgage to  XXXX   XXXX  and also is reporting public credit report   XXXX   that I still owe a mortgage loan. My account ins blocked in their website
Hello CFPB, I was recently notified of my personal information was apart of that huge XXXX   breach. So the steps that I took was pulling my credit report to look over everything on all 3 credit bureaus and noticed accounts that are definitely NOT mine. I've had to freeze all credit bureaus and send out dispute letters certified in the mail to all three credit bureaus and validation letters to the unknown credit collectors. One of the original collectors on just my Experian report is really shady, meaning i looked them up on XXXX search and they are permanently shut down and the collector for this so called original collector website is unsecured, so I didn't want to go much further. I did send out a certified verification letter to this collector stating that they need to verify that this account is mine, because i have never in my life heard of them or the original collector. I also know for a fact that I did not initiate any kind of loan or credit card at this time in my life. This creditor is names XXXX the collectors name is XXXX XXXX XXXX. Both of which I have never once heard of and know for a fact that I never applied for any sort of cc or loan with these companies at any point in my life.I do have copied of these certified receipts from USPS and screen shots of the investigation on XXXX that I have done concerning these two companies. I have asked the 3 credit bureaus to make sure and get validation for all unknown creditors on my credit reports. 
By validation, they need to send me proof of my actual signature of these so called debts that they are reporting. I do know my rights and I do know that I have been a victim of Identity theft and now, this has put such a burden on my life, with freezing all credit bureaus and now i have to pay {$29.00} a month to monitor my credit report, so nothing else is added that isn't mine. As of right now it seems as nothing has been done, but i know for a fact that the credit bureaus have received my certificated and notarized verification letters. The sad thing is, that They continue to keep this false information on my credit report and seem to take this lightly, as of right now all three main credit bureaus have just 2 more weeks to finish their verification. If you would like to see the information about this particular creditor that I am speaking of above, please feel free to contact me.Thank you
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 As you know I live in XXXX XXXX, XXXX. In XX/XX/2017 we had two devastating hurricanes Irma and Maria. Because of these hurricanes our power, internet and postal service was down for almost a month. I had no way to make the payment on time and this is why it was reported 30 days late. As you can see, I have always made my payments on time except this one time. I kindly ask that you remove this late payment from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.
I applied for TJMAXX ( merchant ) card when I made a {$56.00} purchase on XXXX XX/XX/XXXX. 
I never received a credit card due to the misspelling of my name and an inputted incorrect address. The credit card was returned ( according to a customer service rep that I spoke to ) ; and apparently, several bills were sent with accrued fees/interest. Not sure where those bills ended up. XXXX XXXX XXXX. took over the debt and sent me a bill for {$190.00} ( on XXXX XXXX, XXXX ) but when I wrote to them about the problem, they sent the debt back to XXXX XXXX ( original creditor ) who then sent me many copies of statements that had been generated but never came to the correct mailing address. 
I called customer service at TJMAXX on XXXX XXXX, XXXX hoping to pay my original purchase price, but the recording stated that my account has not been activated!?? 
I am afraid to remit {$56.00} instead of the statement amount of {$190.00}, there will be more confusion.
XXXX XXXX XXXX is a company I never heard of never done business with! I do n't recognize this account I cant find dates or balance available for my review.
ERC debt collections company continues to report to all 3 credit bureau 's as my account in collections and/or derogatory after me speaking with them numerous times, explaining the debt was paid & full. I requested a written letter numerous times & for the incorrect reporting to be taken off my credit reports, I was promised over & over again it would be corrected and not show negatively on my reports. I have repeated asked the 3 credit bureau 's to correct the mistake. This is causing me to be denied credit cards,  rentals, and increased interest rates, which is very unfair when I am current with all payments and not in collections.
This company calls me repeatedly throughout the day, every day, of the week. From morning until night. They have never left a message. They use multiple numbers to call me from. It interrupts me at work. it interrupts me at home while I care for my young son. I have answered XXXX in the past but nobody communicated on the other line. They call XXXX times a day for months now.
My husband had a XXXX XXXX back in XX/XX/XXXX which caused us to fall behind on our payments. I continuously worked with Loss mitigation to get help in the matter. On XX/XX/XXXX, we were approved for a repayment plan and per the documentation received as long as we notified them that we wanted to do it and made our payment as of XX/XX/XXXX, we were in repayment. When i called in to accept the plan, I was told i could pay over the phone and nowhere in the documentation did it say otherwise. On XX/XX/XXXX, I called to make my payment and was told no, i had to mail it in. I did mail it in, but it never posted. On XX/XX/XXXX, I called to see what my options were and if my payment was received yet. Once again, I was told I could make a payment over the phone, then after a payment was attempted, advised the payment would have to be mailed in. I was told at that time that the representative would keep an eye on my account and if I was in Jeopardy of the plan breaking if my payment didn`t show up, she would call me. When I called on XX/XX/XXXX because i still hadn`t heard anything. I was told the plan was broken and I would have to resubmit new paperwork. I resubmitted new documentation with the same information i previously used and received a total declination letter. How is that possible when a month before we were eligible? I have resubmitted all documents and on XX/XX/XXXX was told a complete package was received and that foreclosure activity were on hold and no sale date could be processed. I called on XX/XX/XXXX to check on the file and was advised, nothing had been done with it, it was just sitting there and the representative would reach out to the processor. On XX/XX/XXXX, O was served with Foreclosure papers which was a violation of my rights, since I never received anything after my XX/XX/XXXX letter. I have since resubmitted documentation and the sale has been suspended for 30 days while they review, but if they come back and decline it, I will lose my home.
I went to make a payment to my Citi sears MasterCard and made the wrong payment. When I realized what happened I reached out to the other billing company to get the money back to my account and they told me it would take five days. While waiting for the refund Citi cards called me 6 times with 4 hang ups between XX/XX/2016toXX/XX/2016. I spoke to a representative about the mistake that occurred and she wanted to knowwhen they could collect the debt. Then another representative called asking the same questions over again. I have never been late with a payment and feel that it is harassment when it has not even been 30 days past due.
Convergent Outsourcing is reporting that I currently owe them {$1100.00} from XXXX reported XX/XX/XXXX. I do not believe I owe this debt, nor have I had XXXX. I have now been with XXXX  as my phone service since XX/XX/XXXX. And before XXXX I was on a plan with a family member. I would appreciate the removal of this debt on my credit reports as I believe this has been wrongly associated to me. Thank you.
I recently moved out of XXXX XXXX Apartments owned and managed by XXXX XXXX in XXXX, Delaware. My deposit has been held due to improper accounting and the local office, charged with clarifying any complaints, has yet to act to correct this claim with the corporate office. I have receive no communication from the corporate office after numerous attempts to rectify the situation. Instead, I have been issued a collection request from National Credit Audit Corporation. I have scans of my original lease documents and the money orders used to zero any balance remaining on my account. The local office claims they have no record of the money orders, although I have emailed them the scanned copies of the receipt I received in person.
I cancelled my credit card by phone before the yearly fee was due. Nothing is owed on the card. After several times and many hours on the phone, the bill for the $ XXXX yearly fee keeps coming. On the phone, three times they said it was resolved and the fee cancelled. My credit rating dropped from XXXX to XXXX, with no other change to my finances.
On XX/XX/2018 I filed CFPB complaint # XXXX against Transunion and I requested that Transunion remove a Fraud/Security Alert from my Credit Report/File. On XX/XX/2018 Transunion closed out the complaint by responding that they will not remove the fraud alert from my credit file until I prove them with verification of my Social Security number. Transunion also responded that a current driver 's license and social security card are acceptable forms of identification. Because of this, on XX/XX/2018 I filed CFPB complaint # XXXX against Transunion. In this second complaint I provided Transunion a copy of my valid current California Driver 's License and Social Security Card issued by the Social Security Administration. On XX/XX/2018, Transunion closed the 2nd complaint by responding that they are unable to delete the Fraud Alert since the address on my driver 's license does not match their database. This is false. The address on my driver 's license is on my credit report/file. Transunion also responded that a social security card is not an identifying document. This contradicts Transunion 's response under CFPB Complaint #  XXXX. ( please see page 2 of Complaint # XXXX ) Transunion is not properly handling CFPB complaints and consumer disputes. In addition to this, Transunion regularly marks disputes as " duplicates '' in order to avoid responding to them and in order to avoid addressing the issues raised in the disputes. This will be addressed in a separate CFPB complaint specifically for that issue. Please remove the fraud alert from my credit report and stop violating consumer protections laws.
Called my cell phone multiple tmes that is on the do not call list without my permission. 
Wouldnt verify debt amount Wouldnt provide proof of the debt
Upon vacating our former apartment complex, we were sent via certified mail a list of charges due. We found that the charges related to the utilities are fair and accurate, but we are disputing the charge for carpet replacement. After contacting property management we were instructed to dispute the charges in writing explaining our position on the matter. 
The dispute letter was delivered to property management in person. While waiting for a response from property management, we were contacted by Hunter Warfield via telephone for the purpose of collecting the debt in its entirety. We explained that we were in the process of contesting certain components of the debt with property management and were not really certain as to why a debt collection agency would be reaching out to us. We do not feel as though we are responsible for replacing the carpet as it was left in the same condition in which we received it. We have pictures and a move-in inspection that notes that there were stains on the carpet at the time we took occupancy of the apartment. The carpet was not new when we moved in. This was the point made in our original letter to property management. We were merely informed that a notation on the account would be made. We contacted property management who said it was now out of their hands which we found shocking being that we were waiting on a response from them. They then informed us that they responded to our letter via certified mail, but acknowledged that they had not received notice from the post office that their response had been received. We never received a response from property management by either letter or phone call. Since then, Hunter Warfield has repeatedly phoned for the purpose of collecting the entire debt without formally identifying themselves, sending anything in writing for the purpose of debt validation, or explaining the process of disputing the debt. During every phone call, we 've simply repeated the entire story to each Hunter Warfield associate that has called. During our last exchange with Hunter Warfield, we found the associate to be very rude and condescending as she threatened actions that would have adverse effects on our credit reports. It was then we began to feel harassed and quite stressed about the situation. I have repeatedly called XXXX XXXX at XXXX to open a better line of communication. I was sent to her voicemail only after being hung up on XXXX.
I have a debt with XXXX for an old XXXX card, my debt was sold to a company called midland financial. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by Midland with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.
pnc offered a deed in lieu of foreclosure deal to which i agreed. they granted dilof, gave me terms ( utilities off, house clean and empty, no damage ) and date ( this varied depending upon who i spoke with from XXXX XXXX to XXXX XXXX XXXX ) by which property was to be surrendered which terms i met. there are no liens and no 2nd morgtage. after their title search, they demanded i pay for a survey which i can not afford. they said deal off, we 're foreclosing. they say property can not 'convey ' without survey, yet the property seems set to 'convey ' via foreclosure. they will not explain any of the title search results verbally or in writing. they will not put any terms of the payment for surrender deal in writing. 
they made the terms and i met them. i performed per the terms of the dilof as dictated by them. they alluded to, pending inspection of property, up to {$3000.00} payment for complying with the terms of dilof. they will not put in writing details of payment for surrender and are immediately argumentative if you ask. i never demanded a promise, just to see the terms in writing. they have reneged on the deal.
I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from   XXXX  .
Good afternoon I had a credit card by XXXX XXXX issued by XXXXXXXX XXXX .my credit line was only {$800.00} Now this collection agency called XXXX XXXX XXXX , who address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX They are trying to collect {$1100.00} I have contacted several times to validate the debts their reply was verified. 
I even disputed with the bureaus and their reply was verified.
Yes, I am a XXXX American on XXXX I graduated college XX/XX/2015. I have not been able to find a job pertaining to the degree I earned at the University I attended. I can not make my monthly payment to Sallie Mae. I tell the agents my problems and the only thing they tell me is to pay a XXXX to defer loans for one month. I recently check my loan status with Sallie Mae the deferment is not placed on my account. I 've asked several times based on my issues for a reduction in my monthly payment or term extension. My interest rate keeps changing I told me rate for Sallie Mae is a fixed rate not a adjustable rate.
I am getting statements sent to my home with another persons name XXXX XXXX XXXX and XXXX XXXX have never lived in my home. This person has never lived here and I have asked Capital One on several occasions ( 6 times ) to address it. I am considering getting an attorney.
XXXX, the company who the debt originated with, never sent out communication that my account was going to be sent to collections. I never received a bill in the mail, or even correspondence that it was going to be sent to collections. There was no phone call, email, letter, or any communication whatsoever that this was even to that point. 
The account uses my financial information, but the name on the account is XXXX XXXX XXXX. The address on the account is XXXX XXXX XXXX
I received a notice to appear at small claims court in XXXX, MA on XXXX/XXXX/XXXX for a XXXX XXXX.. The case was with XXXX XXXX XXXX for an old credit card bill I owed to XXXX XXXX XXXX in the amount of XXXX + ore-judgment interest of {$33.00} and court fees of {$50.00}, {$720.00} total. 
I got behind on some several credit card bills when I went through XXXX treatment in XXXX. I am a single, divorced woman, XXXX years old. I am employed as a XXXX and was out of work for XXXX months during my treatment and went back to work part-time for five months before being able to return full-time in XXXX. 
The lawyer for the case was XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I fought to get the amount lowered because of excessive interest I ha been charged, and the Agreement for Judgment was that I would pay {$20.00} a month on the amount of {$460.00}. I made these {$20.00} payments each month until last XXXX, when I forgot to mail the payment on time, I worked on XXXX XXXX and XXXX to make a little overtime money and save the holidays for snow days, ( which came in handy ). The check I filled out to mail was dated XXXX XXXX ; however I decided to send {$40.00} instead and mailed the check on XXXX XXXX. Because I put " XXXX '' as the year, the check was returned to me. I promptly send XXXX for {$60.00}, which covered XXXX, XXXX, and XXXX payments. I have my bank statements to prove that XXXX received the XXXX check. However, On XXXX XXXX I received the XXXX of a number of harassing letters telling me I had failed to comply with the order and to contact their office. I made my payment of {$20.00} in XXXX and was aware that I had a " Payment Review '' coming up on XXXX/XXXX/XXXX. I was angry that XXXX was sending me these letters and would probably force me to pay the whole amount or even add penalties, so I sent them a letter on XXXX XXXX, XXXX and enclosed a check for the balance I still owed on the original {$460.00}, which was {$160.00} according to my records. In the letter I explained how I got slightly behind on payments at the end of XXXX. I did not go to the court review because my XXXX, XXXX, went to the XXXX for {$15.00}. '' I received a warrant from the XXXX County Sheriff dated XXXX/XXXX/XXXX to appear at XXXX District court on Wednesday, XXXX XXXX at XXXX. I am assuming that this warrant was sent from XXXX. I would like it if someone would accompany me there, but if this is not possible I will inform you about what happens at court on that date. Thank-you.
As of our XXXX 2016 report There is a reported address associated with our credit that is not ours. 
A phone number not associated with us. 
A credit card never authorized by us has a balance and payment history. 
Several other cards we are not sure about use. 
My wife 's tax return was returned in her divorced last name even though we have been married 32 years and dealt with the irs about new married name. Wonder about safety of SS number XXXX XXXX accounts with different account numbers yet carry same balance.
For the last XXXX years I have been getting collection calls for a person I do not know. The most recent of these calls was from XXXX XXXX at Allied Interstate ( XXXX ). When I asked to speak to his supervisor about this call he was unable to connect me because 'they are all busy or at lunch '.