WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I purchased XXXX prepaid myvanilla debit cards with {$500.00} on each XXXX, in XXXX Mississippi on XXXX XXXX XXXX from XXXX. I activated XXXX of the cards immediately, I used said card and since the transaction went through I threw away the packaging and receipt from the cards. I do however have a witness that was with me when I purchased the cards who is willing to testify to this. The first card I activated, and used a few times, XXXX states someone else " claimed ownership '' of the card. I still have physical custody of this card so I have no idea how this happened. The second card I activated on XXXX XXXX, I used it once at a hotel in Mi that I have been a patron of for several years. XXXX XXXX XXXX, XXXX stated that card had been reported stolen. I am the only person with my card number and I did not report the card stolen. I have disputed these claims with XXXX, I have called them several times, I have emailed them, I have faxed them a complaint, all to no avail. If XXXX had returned my cash to me I could have gotten to work and only been slightly inconvenienced. I work for the XXXX and I travel the country, usually alone. I had a family emergency and I had fly to Mi. I left my vehicle XXXX miles away with the intention of purchasing a return flight when I arrived in Mi and could XXXX the family emergency in person. I earn a very modest wage, I do not have a savings account. The money I placed on the cards was the only available cash I had to my name. I am currently still stranded in Mi. I lost my job because of this situation, which cost me {$1600.00} in wages. I plan to also contact an attorney regarding this, I feel XXXX owes me not only the cash on my cards but also the wages I lost. I am XXXX miles away from my vehicle, my belongings and I 'm now out of employment. I appreciate any help you can offer with this problem.
I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately!
Charges were put on my account before the work was done and before authorization after I refused the original estimate given. I then authorized the work to be done at a lesser amount and now both charges are on my account and they refuse to take off the previous unauthorized charges. This is a national auto repair chain and related credit company.
In XXXX 2015, I had settled a debt with XXXX XXXX for an amount less than what was originally asked. This amount was agreed to, and I was given a confirmation over the phone, as well as a receipt over email. However, recently I noticed that a derogatory entry was made on my credit report for the difference between the original debt and what was agreed to in settlement.
On XXXX/XXXX/2014, we paid {$2100.00} on Ocwen 's website. This payment was deducted from our checking account on XXXX/XXXX/2014. We also signed up for automatic withdrawal to start on XXXX/XXXX/2014. 

On XXXX/XXXX/2014, an unauthorized withdrawal of {$2100.00} was made by Ocwen from our checking account. This caused our account to be overdrawn and charged a {$35.00} fee. After contacting Ocwen they reversed their mistake by redepositing {$2100.00} back into our account. 

On XXXX/XXXX/2014, Ocwen made another unauthorized withdrawal for {$2100.00}. After contacting Ocwen, we were sent a check for {$2100.00} which we received. 

Since then, despite giving Ocwen all the documentation from our bank they have asked for, Ocwen has been unable to locate or acknowledge they have {$2100.00} which was our original XXXX 2014 payment.
Transunion and XXXX has not completed by dispute correctly. I have XXXX account that shows in the remaks that it was included in bankruptcy. It was not and I even have a letter from that account to reflect it. But they still continue to leave that in the comments or remarks. I do n't know what to do.
Equifax Information Services , LLC XXXX XXXX XXXX, GA XXXX ATTN : Legal Department File No. 
I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within five ( 5 ) days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within five ( XXXX ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT. BAL : {$8500.00} This ACCT. is duplicate with multiple listing as open error please delete.. 
2. ACCT. NAME : XXXX XXXX XXXX - XXXX XXXX XXXX ) ACCT. BAL : {$1200.00} This ACCT. is duplicate with multiple listing as open error please delete. 
3. ACCT. NAME : XXXX ( XXXX ) ACCT. BAL : {$500.00} This ACCT. is duplicate with multiple listing as open error please delete inaccurate. 
4. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$420.00}. This ACCT. is duplicate with multiple listing as open error please delete. 
5. ACCT. NAME : XXXX XXXX ( XXXX ) ACCT.. BAL : {$440.00} This ACCT. is duplicate with multiple listing as open error please delete.
On XX/XX/2018 at XXXX XXXX FH Cann Associates called me at my place of employment without permission to contact me there. The number is not public information and I have only had a direct line at my desk for a couple of weeks.
I could have checked almost every option ... .continued calls, impersonating a county worker, told them to stop and they havent. I have received MULTIPLE calls from these people claiming to be a worker for the county trying to serve me papers for court appearance. They have called me, my husband, my daughter and my mother and mother in law claiming to need to serve me papers for a court appearance and threatening to physically go to my employer to try to serve me there. I have spoken to the originating co several times over the last year telling them not to contact me again. This co has a 3rd party call for them stating that there is an upcoming court appearance that I am required to attend yet when I call the number that they give me, it is a collector who refuses to provide the name of the company that they work for. I have told them no less than 10 times not to contact me yet they continue to reach out not only to me but to my family members. The debt was to XXXX, it is almost 10 years old, for less than {$500.00} and it was charged off by XXXX several years ago. The initial phone calls are coming from XXXX ... when I call back, it wont connect. The message says to call XXXX and they refuse to tell me who they are other than that they are acting on behalf of XXXX. Once again, today, I told them not to contact me, that I have told them not to contact me already several times and that I have already filed a complaint against them and I was told that " it doesnt matter ''. They are rude, dimissive and dont really care that they are violating the law by continuing to contact me. They have called me no less than 15 times over the past month PLUS called family members who they worried thinking that I was getting sued. AND, the message that they leave, although it says that its for me only, is left in its entirety on my family voice mails. I am tired of the harassment and their tactics and would really appreciate some help from you as this is the FOURTH time Ive submitted a complaint.
i have many negative accounts thats not mines.I suffer from XXXX i was in an tXXXX XXXX in my family since my XXXX was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
I have been unable to manage my security freeze with Equifax using their online portal, myEquifax. The myEquifax system generated an error when setting up my online profile in XX/XX/XXXX. When I attempt the account sign-up process again, I am told that I already have an existing account, and that I should attempt a password reset. The password reset function does not work. I have contacted myEquifax customer service by phone at XXXX on at least 6 occasions since XX/XX/XXXX and am repeatedly told that my case will be escalated, and that I can expect a response within 48 business hours. However, I have never received a callback or further correspondence, and this issue persists. Most recently, I contacted myEquifax customer service today, XX/XX/XXXX, and was told that customer service agents are currently unable to assist because of an ongoing " system update. '' This situation is unacceptable, and plainly violates my consumer rights under section 605A of the Fair Credit Reporting Act ( 15 USC 1681c1 ( i ) ( 6 ) ).
Hello, I am a graduate from XXXX. I pay my loans back to Great Lakes Student Loans. Over the past several months I have been trying to pay back my high interested loans. The way that the loans are set up, I must pay back the standard monthly payment, which applies a little bit to each of the loans I have, including the high interest loans. I have complied with this requirement. I have also been trying to pay ahead by putting extra money into the high interest loans, which are 6.8 % interest. Whenever I call to pay ahead, the person that I talk to on the phone tells me very clearly that I am up-to-date on payments, and that the money I pay ahead will go directly to the high interest loans that I am requesting to pay off. After about a week I will check my account to find that they have not done that, and instead have applied a little of the money I pay ahead to all of the loans, not specifically to the high interest loans. My online account says that I am even paid ahead until XXXX 2017, yet I can not get through to the customer service at Great Lakes Student Loans that I want these high interest loans paid ahead. I have talked to them so many times about it and can not get them to comply. I do n't know what to do about this anymore. I would really like to pay ahead on the high interest loans but the representatives that I talk to at Great Lakes simply wo n't apply the money correctly. If there is anything that can be done please help me. I really feel like I 'm getting XXXX out of money.
My private student loan is currently being serviced with Navient. My interest rates are 13 % and 10.50 %. I ca n't get the loan paid down because the interest rates are so high. Their customer service has been completely un-helpful. When I took out the loan I was completely unaware of how much I was taking out, when it was disbursed or where the money went. I had no idea what the interest rates were or how much the payments would be. The interest rates keep increasing and I do n't know why. I have automatic payments set up and I 've been making my payments on-time for several years. I owe more today than when I graduated 10 years ago. I 've also tried refinancing my loans with a different lender but have been turned down on multiple occasions despite my good credit.     I 've been contacted by a organization called  XXXX   XXXX   XXXX  (  XXXX   ) a nd they have told me that they might be able to get some of my student loans discharged because they feel that there has been some student loan fraud on behalf of  XXXX . They want me to pay them {$950.00} in order to put my student loans into  Administrative Deferment  and investigate using their team of attorneys. I 'm skeptical about using this organization because I do n't know if they are creditable.
I discovered this tradeline on my credit report listed by Ad Astra Recovery Services Inc. I sent them a dispute letter datedXX/XX/XXXX ( attached ). OnXX/XX/XXXXthey responded with this letter ( attached ). Nowhere in the documents provided do they prove I actually owe a debt. Nowhere is a contract bearing my signature or any proof they are even legally able to collect debt in Texas. Where the signature would be someone has typed in my name ( see attached, circled ).
I receive an email saying " An event occurred that could impact your credit score. Please log into your account to find out exactly what happened. '' When I log in, there is no indication any event -- mainly there are a number of marketing ploys, all of which cost money. Many of the ploys lure you into asking for additional information, then have you " place and order '' that you are unaware you will pay for. 

This seems to be behavior that should not be tolerated by an entity which we require to honestly and straightforwardly deal with our credit.
on XX/XX/2018 I went to XXXX XXXX XXXX to get a loan to purchase my leased vehicle from General Motors. the loan officer called GM to inquire as to the payoff amount she ran my credit and they approved the payoff amount GM gave her ( my credit score was XXXX ) she contacted GM for a hard copy of the payoff before she could issue a check of which they sent via fax dated XX/XX/2018 my banker cut a check for the amount of {$22000.00} and mailed it to GM dated XX/XX/2018 XXXX received the check XX/XX/2018 and deposited it XX/XX/2018. As far as the bank and I knew the truck was paid for but the bank never received the title about 2 months later we started checking and GM was claiming I owed them more money for a payment in XX/XX/18 and XX/XX/18 we could not understand they said they had sent the wrong payoff amount that it should have been {$23000.00} and that they could not apply the check we sent to my account because it was incorrect they had already turned me into the credit bureau as late on payments it was all there mistake and they fined me for late payments at this time all I wanted to do is pay them and get my credit fixed so my bank sent them a check for the difference but now my credit score is XXXX because of there mistake + {$1500.00} in fines and penalties I had to pay.
On XX/XX/2018 I paid a debt listed on my account in full, upon it not being removed I have submitted disputes to Equifax and XXXX  with my proof of payment on two separate occasions now.
I receive a letter from TD Bank stating I was approved for credit, than I went into TD bank XXXX time filled out more paper work and at that time there was no problem. About XXXX week later I receive a letter from them stating unable to extend credit to you at this time for the following reasons Requested Conditions of approval not metI fill out all the paperwork that was giving to me by the Manger XXXX XXXX she tired to explain the letter to me at the best of her knowledge, Couldn, t give me a direct reason why I was denied, I felt discriminated against by TD bank underwriter, s XXXX XXXX, she never call me and never left no messages on my phone, I got her information from the Manger XXXX XXXX and I have called XXXX XXXX XXXX and only spoken to her XXXX time, then I email the manger and told her what I have done, the other underwriting XXXX XXXX XXXX never made contact with me at all. XXXX XXXX was very Unprofessional i felt she could have call me or email me they have all my information, then she makes the XXXX decision to denied me a loan and not give me a good reason Why. XXXX I get letter saying that I was approve and than I get a letter saying that i, m denied after XXXX week. I fill like they are playing with peoples emotions and this is not right at all My Credits scores are XXXX XXXX XXXX not the best and not bad.i will greatly appreciate if any thing can be done about this matter Thank You XXXX XXXX
I paid this debt XX/XX/XXXX to Holloway Credit Solution, LLC, the same day I was contacted, I open this account in XX/XX/XXXX. On XX/XX/XXXX, Holloway Credit Solution LLC, call me from this number XXXX, threating me about she had the papers coming to my job, after that did not work, they found this old collection and placed it on my credit report, causing me to lose XXXX points off of my score. I did disputed it but it is still remain as fact. XXXX reporting
Meridian Financial Services , Inc. continuously calls and leaves messages on my cell phone which appear to be in some foreign language, as I am not able to understand any of the messages. Additionally, they are sending letters addressed to my ex-husband, who does not live at this address, and has never lived at my address. I have written a letter explaining that my address is not his address to no avail. I have returned 4 letters stating the addressee does not reside at this address. However, this company continues to harass me with these calls and letters addressed to my ex-husband.

Additionally, this company has placed 7 collection items on my credit report for timeshare fees to a timeshare that I do not have possession of, access to, or deed for the property. This timeshare unit is in the sole possession of my ex-husband, and he holds the deed to this unit. Additionally, the fees appear to be in excess of 12 years old.
A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.
in XXXX of XXXX First TN finalized a foreclosure on a property I had financed with them. I had owned this property since XX/XX/XXXX and had built a 2nd home on it. I had built up approximately {$31000.00} in equity. I owed {$29000.00} +/- at the time they started processing a foreclosure. I asked First TN, multiple times, to please work with me as the economical downturn in the market place impacted my income directly, but they refused. I explained to them that my income had dropped and my tenants moved out without notice. I tried to rent it and was able to maintain the payments for a few months. However, I could not find a tenant. I tried on multiple occasions to convince First TN that if they would just work with me, I would get back on track and continue to pay them. First TN sold it for {$51000.00} in XX/XX/XXXX for a profit. They continued to call me to collect a balance still owed of around {$7000.00}. This continues to haunt me as they have it on my credit report as a foreclosure with an outstanding balance. It has cost me higher interest rates with new creditor, declined financing from new creditors and required larger down payment on vehicles.
I have attempted to rebuild my credit for almost 7 years now and continue to be denied for new credit. I can not finance a new vehicle, I have drove the same one for 15 years.
The ramifications of First TN not being willing to work with me has cost me immensely, in numerous way. First TN sold this property for approximately {$22000.00} more than I owed. This was equity I planned to use toward my retirement.
XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$620.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX {$9.00} I have filed multiple claims with Regions Bank theat the above transactions were unauthorized. All these transactions were made in a different state from when i live. They refused to refund the money to my account, stating I was responsible. I have filed a police report and sent Regions Bank supporting documentation. I was awarded a temporary credit but not for the 3 largest transactions.
I had previously submitted a dispute with Merchants & Medical on XX/XX/2017 in regards to an unidentifiable collection account on my CR. In the letter sent prior to the dispute with CFPB I requested VALIDATION of the debt I owe sent back in 30 days or delete it from my CR ; validation was never provided which violates the Fair Debt Collection Practices Act.
I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, XXXX  and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
In XX/XX/XXXX I fell behind in my mortgage payments to JP Morgan Chase due to a job loss and began the process of requesting a Loan Modification. The property had been purchased in XX/XX/XXXX and the Loan Modification Agreement came in XXXX XX/XX/XXXX. My complaint regards the terms of the modification ( the Loan Modification Agreement is attached ). My original loan had an interest rate of 7.5 %, which is exactly the rate on the loan modification. I was 17 years into a fixed rate 30 year mortgage, and the agreement is for 40 years, in effect turning a 30 year mortgage fixed rate mortgage into a 57 year mortgage. In good faith I trusted JP Morgan Chase to provide me with the best possible solution ( their words ) for my situation. The intent of the Making Home Affordable Program was to assist consumers, not take advantage of them. I accuse Chase of acting in bad faith, not providing multiple options to prevent foreclosure and undermining the federal government mandate when it comes to housing assistance. I realize that I am just one of many consumers defrauded by Chase and because I was not given a viable solution I went with what I was offered. I probably have paid for this house in full already and as a XXXX year old retiree I believe my hopes of paying off this debt to be nonexistent.
Im trying to buy a house. So I seen a debt from Aragon agency for XXXX  XXXX I called Aragon they said they had no debt for me I asked to get something in writing and they said they couldnt give it to me. I called XXXX XXXX and they said they didnt have any debt and that Im a good customer with them and why would I owe them when I have service with my home now. They couldnt give me anything in write either. Now I cant get my home loan because I cant get anything in writing from these companies.
I returned my car to a XXXX dealership where I got a new lease for a new vehicle. they took the car and said that they would include my last payment on the new lease, but payment was done by my company, after several attempts, and XXXX XXXX. I was a cosigner on this account and payments where always on time until this last mix up.
XXXX XXXX RAN MY TRANSUNION TWICE IN ERROR, WAS TO BE SOFT ONLY.