WillisBack/dataset-financial-user-claim huggingface dataset:
I have a account on my credit that was fruad, I paid off the account because I gave disputed before and account has not been removed .. XXXX XXXX XXXX  This account is reporting incorrectly and does not belong to me and I need some type of validation and a copy of my signature of me opening this account or it need to be removed .. The account keeps coming back confirmed and that cant be since I did not open this account .. I have provided paid off notice and police report ..I also have inquiries that I did not authorize and need these removed or I need validation of these because they are unauthorized.. I also have addresses that is reporting that I was never associated with and need these removed please, I have provided documentation
Capio Collections bought an old medical debt of mine. Instead of updating the Credit Burearu with the new information on the same account, they created a new account number with the same debt. I was n't even aware the account had been sold until I contacted the original debt holder, and they told me. I called to make arrangements with them XX/XX/XXXX, and after I called they proceeded to report the account as new debt a week later. I believe the limits to the amount of time an account can report are in place to protect consumers from lasting financial damage due to hardships. I have worked extremely hard to get my credit corrected, and pay off all the old medical collections I could. I believe this account has aged enough to come off of the report, and then the orignal debtor changes the amount, sells the account, and puts it back on as new debt. My husband and I are trying to purchase a home, and this is a huge barrier for us. I believe these type of practices by debt collectors should be considered unlawful. I would like for Capio to either update the original entry, or if by law it has already come off the report, then remove the new entry. This company should not be able to re-penalize me for 7 year old debt. The account number is XXXX. I would be happy to work something out with them if they would report this accurately to my credit report. This is the second incident this year I 've had with a debt collection agency using tactics such as these.
My complaint is with Wells Fargo Bank # XXXX in XXXX XXXX, Texas. I have been battling this since XX/XX/XXXX when Wells Fargo let someone clean out my savings account while i was XXXX  XX/XX/XXXX thru XX/XX/XXXX. I went into the branch nearest me and filed a claim. The employee that recorded my claim had the details halfway correct. The claim should have been for {$1300.00}, but the teller made it for {$300.00} in which it was denied because the bank sent the thieves a replacement debit card and they used it to withdrawal money. So, a year later and I still have n't gotten my money back. And the kicker is I even have a police report on my identity being used.
I submitted a dispute several times to Equifax in regards to XXXX Mall account appearing on my credit report incorrectly. There are two accounts listed around XX/XX/2016 I started disputing the two accounts because they were reporting inaccurately. I submitted dispute after dispute with records to match my dispute from the said creditor. Equifax finally updated one account and left the other still reporting inaccurately. I received a letter today again stating the information was verified as being reported correctly when in fact it is not. They are in violation. I sold the vehicle back to the dealer XX/XX/2016 the balance was zeroed out on the account. Still it is being reported as if I own the vehicle and not making timely payments. I have sent certified letters to both the creditor to update the info and to Equifax to delete the incorrect info and stop furnishing it. It is ruining my credit and reputation.
Went through the exhausting process of refinancing with Nationstar Mortgage and closed my loan on XX/XX/2016. XXXX should have been closed the week before but when the closing XXXX came to my home my husbands name on the documents were not correct. Yes, they had a persons name on the documents I have never heard of. The documents were corrected and loan closing was done on XX/XX/XXXX. I was told after XXXX days funds would be wired to my XXXX mortgage lender ( Nationstar ) and my XXXX mortgage lender XXXX XXXX XXXX XXXX XXXX. This has not been done as of today. I call my loan XXXX XXXX XXXX with Nationstar and he told me the loan had funded on Monday XX/XX/2016. Again, no one has been paid off yet. I have called the closing company and the person that was handling my closing will not call me back or answer emails, her supervisor and every other single person I have tried to talk to there will not call me back. I have tried to get Nationstar to get to bottom of this and even they promise to call me back but do not. This has put me in a very bad situation as I was told not to pay my XXXX mortgage in XX/XX/XXXX and now its XX/XX/XXXX. I have kept my XXXX mortgage paid up. Today I finally received a call from the title company stating there was some sort of date issue on the paperwork????? No clue and they said they were working to resolve???? None of any of it makes sense to me and they could n't explain it either. I also asked why almost XXXX weeks later this is my first and only notification of anything???? Again, no answer. I feel there is some sort of fraud going on. Can you help me?
I received a notice from Debt Recovery Solutions , LLC on XXXX/XXXX/XXXX to pay a debt that was included in a bankruptcy some time ago. It began with rude unprofessional phone calls and escalated to written notice. I inquired within about this alleged debt. The feedback I received is attached. Thank you for advance for your assistance in this matter.
On or about XX/XX/XXXX I applied and received an equity line of credit from XXXX XXXX XXXXfor {$83000.00}. In XX/XX/XXXX I lost my job. I made payments on this account until XX/XX/XXXX. I was not able to find full time employment until XX/XX/XXXX. In the interim my account fell into arrears and was forwarded to collections. In XX/XX/XXXX ( once I became employed again ) I applied and received a mortgage modification with XXXX XXXX. I then contacted XXXX XXXX XXXX. XXXX XXXX  had gone bankrupt in XX/XX/XXXX/XX/XX/XXXX. I was told to contact XXXX XXXX, a collection agency, ( XXXX   ) XXXX and spoke with a XXXX XXXX XXXX. I agreed to pay {$350.00} per month. In XX/XX/XXXX my account was forwarded to XXXX XXXX XXXX, all the while I am paying the agreed upon amount of {$350.00}, the account was current. My account was with XXXX XXXX XXXX until XX/XX/XXXX when my account was forwarded to LoanCare. My XX/XX/XXXX Payment was returned stating the payment was insufficient. In XX/XX/XXXX I contacted XXXX XXXX XXXX   and was informed by rep. XXXX XXXX  that my account was {$20000.00} in arrears.

Upon receipt of my XX/XX/XXXX payment rejection I attempted several times to contact LoanCare via telephone ( XXXX  ) XXXX and ( XXXX ) XXXX.This occurred during the week of XX/XX/XXXX. If someone did answer the phone I was either transferred to a number that rang that no one answered or the call was disconnected. Later that week I was contacted by XXXX XXXX ( XXXX XXXX XXXX ) and was told the minimum payment that would be accepted would be {$700.00} per month and despite making an agreement with the initial collection agency- XXXX XXXX  and never missing a payment my account was even more in arrears than in XX/XX/XXXX.

This communication is sent to complain about this situation and to question what happened to my original agreement with XXXX XXXX XXXX? I have been paying this account for the past 4 years and yet the debt is deepening. I am demanding an answer from Loan Care and I need this answer in writing not a series of disconnected phone calls.
To Whom It May Concern, In multiple attempts with Experian, I have submitted disputes across 8 accounts that were included in a Chapter XXXX bankruptcy that was filed in XX/XX/2016 and subsequently discharged in XX/XX/2016. These accounts were in good standing with no late payments up to and including the time of the bankruptcy. Experian continues to report these accounts as " Charge Off '' in the payment history which does not accurately reflect that state of these accounts. 

Under the Fair Credit Reporting Act ( FCRA ) of a credit bureau report of an account that has been discharged in bankruptcy as " charged off as bad debt. '' We acknowledge receipt of your request, pursuant to the Commission procedure set forth in 16 C.F.R. 2.2 ( a ), for an investigation of the credit bureau. 

Section 607 ( of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

The latest dispute reference number is XXXX. 

Sincerely yours, XXXX XXXX
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Bankruptcy XX/XX/XXXX I have no knowledge of this account and/or inquires. I have contact companies directly but NO ONE would help they said I needed to contact the 3 major credit bureaus but I keep getting the run around.
On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to CNBA On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to Citibank N A On the day of each inquiry, I was notified by XXXX and both XXXX and myself called Citibank to notify them that was not me the application was fraudulent. 

Citibank took the appropriate actions and notified XXXX, XXXX XXXX and XXXX. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - XXXX will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - Citibank helped during the initial dispute but now has no idea what to do. I asked them to notify XXXX that these two inquires are fraudulant and must be removed.
Discover Card is reporting my account balances incorrectly. they are failing to credit my payments to the account and they are overstating the account balance.
Submitted request for IBR. When contacting via phone to receive status I was placed in the call back queue with a promised call back that never occurred. Additionally, have sent email asking about status and indicting a response would be sent within 48 which never occurred.
TransUnion 's page for credit freeze has been down or non-functional since the XXXX hack last week. There has been no response from the company. As of now, it is not possible to freeze credit with TransUnion. 

https : //freeze.transunion.com/index.jsp
In late XXXX One Main Financial added ad account to my credit file for a loan of $ XXXX. I have never had any loans in this amount or any dealings with this organization or any of their subsidiaries. I sent One Main letters beginning in late XXXX to inform them the account was not obtained by me and it was removed. Then in early XXXX it was added back to my XXXX credit report. I have sent letters to One Main and to the CEO of Springleaf ( the parent company ) regarding this matter to request formal debt accordance with Fair Debt Collection Practices. All my letters have been acknowledge and received and I have been promised that the matter will be looked into and I will receive a response but have yet to receive any respose. Then, after acknowledging my letters I began receiving collection notices, during the period where all collection activity should have been stopped as I requested validation of the debt. I hired an attorney in XXXX XXXX who has also sent formal letters requesting validation in XXXX XXXX and XXXX XXXX that have gone unanswered. I have also disputed the item with the credit bureaus ( XXXX ) and it still remains. My rights as a consumer as being violated to the greatest degree and it is not only unethical but inappropriate to report false information from an account that is not mine on my credit report after being notified that the account was never opened by me multiple times by both me and my attorney.
XX/XX/XXXX I contacted company via Phone XXXX to inquiry about its listing on my credit report. Company claims to be collection on behalf of XXXX, and stated i owe {$510.00}. I informed Portfolio Recovery that all business with XXXX has and had been settled prior to account being closed at my request in late XXXX. I also informed Portfolio Recovery that reporting a debt to my credit, without notifying me is against FDCP and to please remove their listing and provide me with what ever records, statements, and proof that they may have. To date i have not received any further correspondence, records, statements, phone calls or proof that i owe any such bill. Company continue to verify listing as accurate when it is not.
Hello, I recently refinanced my home with XXXX XXXX XXXX and my lender paid off my line of credit at BBVA Compass Bank, the subject of this complaint. I was told a few days after the payoff that i had an outstanding balance of {$71.00}, i submitted a payment for {$74.00} and thought it was all paid because i received no further notices. That last payment was XX/XX/2016. My regular statement was not generated XX/XX/XXXX and the previous one was issued XX/XX/2016. So with no statement and having paid off my balance, my debt was settled. Two days ago i got a report from the credit bureaus that BBVA Compass had reported my payment late. I called and they were unable to explain all of the accounting discrepancies on my account, nor were they able to explain why i had not received a statement and why their collections department had not attempted to call me regarding the alleged debt. I further reviewed my account and it looks like they have additionally misapplied funds and not counted for payments i made to settle the balance on XX/XX/2016. Please help, i have no other derogatory remarks on my credit and in the process of helping my parents purchase a home.
I applied online for the Chase Southwest credit card. I was denied for having too many accounts with chase. I have a checking, savings & Amazon credit card with them. The Amazon card was originally offered through another bank, XXXX if i recall correctly. 
My fianc, applied for the same Chase Southwest credit card, and she was approved. 
Here is my grievance ; I have a higher credit score & earn more than she does. I believe that my name was profiled for being a XXXX name. My fianc does not have a XXXX name.
I opened an account with XXXX XXXX XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that Select portfolio took this loan over in XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the CA and creditor this not my account. I never signed application. The card was open in XXXX which XXXX club was made aware about it. They called the number of XXXX which my credit was change and PIN numbers with credit agencies was stolen. XXXX XXXX XXXX is the person using my name which I told XXXX fraud department he open the account and other account in m name.
Mortgage company, Caliber Home Loans, is not interested in helping me keep my home which has been my primary residence for 23 years. They have offered {$13000.00} relocation assistance if I did a short sale. I agreed. They would not accept any reasonable offers and in fact would only accept $ XXXX after ordering two appraisals of my property and disregarding the lower appraisal even though this amount is more than my loan balance by almost $ XXXX. While a short sale contract was pending, Caliber offered {$13000.00} relocation assistance if I would sign a deed in lieu. After short sale file was closed on XX/XX/XXXX, I called to accept deed in lieu offer on XX/XX/XXXX and continued to call for several weeks. On XX/XX/XXXX, Caliber called but only to tell me that my home was now in foreclosure with a sale date of XX/XX/XXXX and I had no other options since foreclosure status placed on my account on XX/XX/XXXX. My attempts to negotiate any solution other than foreclosure have been ignored. I called XXXX at Caliber on XX/XX/XXXX in an attempt to apply for a loan modification and was told by her that the only thing I qualified for was the foreclosure and she refused to send me an application for a loan modification. I was never offered reinstatement options or given an amount to satisfy the loan or bring the loan current. In fact, I have never received written notification that the short sale was denied or given a timeframe to seek other solutions prior to foreclosure sale date. After talking to XXXX at Caliber, I researched my deed records and discovered discrepancies in the assignment transfers on my original Security Deed. It appears that Caliber nor its investor has the right to foreclose on my home due to the original loan documents being unavailable as the original lender went out of business. The Uniform Closing Dataset was not accurate due to the original loan documents being no longer available to properly record any subsequent assignments. See attached Affidavit of Assignment. Caliber filed an Assignment of Mortgage Security Deed on XX/XX/XXXX but called it a " Corrective '' assignment indicating that a prior assignment was properly filed and recorded. See attached Corrective Assignment of Mortgage/Security Deed. This was obviously filed in an attempt to be able to foreclose on my property.
I moved from my apartment XXXX in XXXX of 2013. I received the itemized statement of amount due ( attached ) totaling {$980.00}. 

Just 24 months later, IQ Data is attempting to collect {$5500.00} on this debt. An increase of over 500 % of the amount I owed. This is blatant manipulation of debt to collect much more money than is owed.
I applied for the American Express Platinum card with a XXXX Membership Reward point offer if I spent {$3000.00} in the first 90 days. Application date XXXX/XXXX/16. 

I spent a total of {$3200.00} on the card excluding the annual fee that I paid and met the bonus requirements. The XXXX point bonus was posted to my account on XXXX/XXXX/16. 

In XXXX, I was reviewing my personal finances and decided that I wanted to eliminate some expenses if possible. I decided to reduce my credit card annual fees, but I wanted to stay at American Express for my credit card needs. I cancelled my American Express Platinum card and instead opened a American Express Everyday card. To this day, I am using my American Express Everyday card as my primary spending card. 

On XXXX/XXXX/16, the XXXX Membership Reward points were deleted from my account without any explanation. I only noticed this when I logged into my account. 

Upon calling to resolve the issue, which I assumed was an error, I was routed to many different representatives and told that I cancelled the credit card and therefore forfeit the bonus ( which is clearly not a part of the offer that I had applied for ). I tried my best to work with American Express on this issue, however there was no resolution. 

I met every condition of the terms and conditions for the XXXX point bonus. I held the American Express Platinum card for almost 4 months before deciding if I really wanted to keep the card, including 30+ days after the award was granted. During this time, I paid {$110.00} in annual fees in the card. 

If I 'm unable to get the XXXX points restored to my Membership Rewards account, I 'm willing to continue with Arbitration on this issue as it is clear that I have been unfairly mistreated. 

Thank you in advance.
I applied and received an income-driven payment plan for my student loans, which should have applied to all of them ... the adjusted payment should currently be {$0.00} ... Navient is trying to charge me {$200.00} per month still
Chase Bank USA is reporting an incorrect balance on my credit reports. Chase sold the account and the account was paid as agreed and should currently reflect a {$0.00} balance.
Equifax continually allows codes my account status incorrectly on my XXXX XXXX XXXX acct. XXXX! The code they use is, " XXXX '' That code represents = transfer/sold according to Equifax 's own legend via pdf. The correct code is either " XXXX '', = transfer/sold/paid or " XXXX '', = refinanced. " XXXX '' may also be used, which = paid & closed. But, " XXXX '' is the correct code. Equifax continually claims that it is the department of education that picks the code. However, after talking to " XXXX XXXX '', of the escalated services dept of Operations Services, she claims that the XXXX, is not privy to Equifax 's codes. She was not even aware of Equifax 's account Numbers, that pertain to The XXXX accounts on my Equifax report! " XXXX XXXX '', directed me to call Equifax , & request a discrepancy report by calling the XXXX directly @ XXXX. However, upon contact to Equifax they stated they could make no outbound calls. I spoke with a csr-XXXX, a supervisor XXXX ( XXXX ), and a manager XXXX in the consumer office of Affairs. Every Equifax representative insisted that the coding was on the XXXX, not on Equifax as a company. However, in talking to the XXXX, CFPB, and An FTC inquiry, I know that is not the case. XXXX, an Equifax supervisor told me that if " I wanted to complain about the XXXX, that I should talk to President Obama personally, that he was the only person higher, than any representative at Equifax. XXXX XXXX, stated that, " requesting Equifax to do an discrepancy report was " standard '' procedure. Equifax representatives, scoffed at such a suggestion. Even after conveying to Equifax , that I had consulted with an attorney, & knew the stays codes, they insisted that, putting a status code of " XXXX '' on my report & adding in " additional information '', .. That it has been paid! That is not correct!!!! Equifax has not even added an updated status reflecting that it is paid in full as of XXXX XXXX. It still shows -IN COLLECTION- as of XXXX XXXX. All Equifax reps say they will do is file a dispute, eve though 4+ disputes have been filed on this account in the last 365 days!!!! Experian, did file a discrepancy report, and my XXXX filing is now correct. XXXX is in the process of filing a disrepency report, but has properly updated my filing on my Equifax Report. Equifax , is not customer friendly. Even the Equifax manager I talked to XXXX, in the Consumer of office Affiars insisted that he knew more than me as an attorney, and that The XXXX, picks the stays codes, not Equifax. THEY ARE NOT THE XXXX STATUS CODES!!!!! NEITHER TE THE ACCOUNT NUMBERS ON MY EQUIFAX REPORT!!!! This has been a 9 month ordeal!!!! I have had to fight Equifax every step along the way!!!!! They do not have internal checks & balances, even if the information they put in reports conflicts with one another!