WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XXXX 2017 and XXXX XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.
My Husband was a victim of identity theft, there were multiple fraudulent checks totaling {$4400.00} written under his name, taken to the bank to be cashed against the account in some transactions the perpetrator deposited money from the check and withdrew from the account. these transactions were made in different bank of America branches none of this transactions were made my my husband or myself. the incidents were reported to bank of america, claims were submitted and I was told that a fraud  specialist  was going to contact me but no one ever did. I was told these claims could take from 30-60 to be solved I waited and gave them enough time to do their investigation. after over 60 days and numerous phone calls I told by one of the representatives on  XXXX   XXXX ,   XXXX   that according to the notes from the fraud annalist the claims had been denied and bank of america is not going to replace the money. as far as know the money in in the bank is insured by the FDIC. none of these transactions were made by us and the money should be replaced. the bank should make an investigation and pull the cameras from the branches where the transactions took place and they will see is not my husband who made the transactions. I filed a police report, and an identity theft report with the federal trade commission.
This is a complaint about the Equifax data breach. Through no actions of my own, I find my personal information compromised due to the negligence of Equifax 's cyber security which has placed myself and millions of other Americans at risk. 

This will be a lifetime of headaches with dealing with protecting my credit information. I wanted to submit a complaint in light of this stress and for whatever future loop holes I may end up going through due to this data breach.
Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
I have 5 bills listed on my credit report that do not belong to me. They are listed as follows : Paramount Recovery XXXX XXXX XXXX   OPENED XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX Opened XX/XX/XXXX Paramount Recovery XXXX XXXX XXXX  Opened XX/XX/XXXX I never received a hospital bill, suddenly started getting collection calls. When I reached out to Paramount Recovery, they asked if I was Ms. XXXX, I told them that I did not know anyone by that name.I have good credit ; prior to this event. I have 99 % of paying my bills on time. I spoke with Paramount Recovery and stated these bills are not mine. I also sent information to the government for identity theft. 

Paramount Recovery address : XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX
I have filed BK in 2009 and got it discharged in 2009, under XXXX the mortgage that was involved on the BK still shows up. I need this fixed and OCWEN should not have this on collection. Account number XXXX
i have no idea why do i owe {$240.00} ... i dont wan na pay anyone that i dont owe to anyone ... .they keep sending me mail everyother day.
I refinanced my student loans into one ( 1 ) loan with Nelnet, I believe the repayment plan is Standard. I started making payments last XXXX, I have paid {$100.00} extra per payment to be applied to principal. The {$100.00} is not being applied to principal and the explanations I am getting make no sense to me. At one point my loans were in forbearance but I paid the interest for those times, so I'm a little confused on why my extra payments are going to interest and not principal. My account is current at this time. My next payment is due in XXXX, 2019 ; I would like to get this issue resolved. Also, I attended XXXX University at the XXXX of XXXX campus, they are no longer in that location, it closed a couple of years ago
I was told by Chase bank for three years that they would do a loan modification. They kept telling me that my paperwork was lost, lost in the shuffle due to them taking over a XXXX XXXX. Their computer systems were down during their transition and unable to reach me. 
After persistence from me, with the help from FHA, after fourth year Chase finally modified my loan. But in doing so, they wrongfully charged me {$50000.00} penalty for past due payment as a condition of modifying the lone. In doing so, my mortgage payment is much higher than it should be. 
Id like to add that I did tell Chase that I could make payment back then, but they were the one who told me to hold on to make the payment. Since the modification ( XX/XX/2014 ), I havent missed a mortgage payment. 

I feel strongly that they were in pursuit of taking my home as I am XXXX XXXX  homeowner, as I read many of stories of J.P. Morgan Chase and other mortgage companies were foreclosing on XXXX  homeowners. 
My next step is to go to news agency as well as my formal complaint with you.
I had recently received a check for a settlement. The check was a Capital One check. I had deposited this check in an ATM, and then followed up with Capital One that same night about when the funds would be available. The agent on the phone said that as it is a Capital One check that {$1000.00} would be immediately available, and then more amounts would become available as it was a rather large check. The agent had assured me that the {$1000.00} funds were available. The next morning I checked my account on the mobile app and Capital One had it showing that the full amount of the deposit was available. I then went spending as if that money was available. A few days later I went to buy some food and my card was declined. I called Capital One and they informed me that my account had been overdrafted and that the check I had deposited was put on " security '' and that is was my fault for not checking the balance each time I spent money, I went through XXXX managers and they all refused to understand my point of view. Ironically, they sent me the same check I had deposited in the mail a week later and told me nothing was wrong with it. The next day I went in the branch and closed my account after them smiling at me paying {$420.00} in fees.
I have been trying to get XXXX peices of information removed from my experian credit report. I have had this information removed from experian and XXXX with no issues. I disputed this information with experian and only was able to dispute the informatory XXXX time. I sent in the paperwork and they still will not remove this information. For XXXX XXXX this has been documented as ID theft. Someone stole my ID and moved into an apartment under my name. I sent the reports to experian but they still will not remove the information. The XXXX XXXX is from XXXX. This was also part of not knowing about this debit and it was with my ID theft. Again it has been removed from my other reports but not experian. The last investigation they conducted was from XXXX on XXXX. I have send the paper work in and disputed this information agian XXXX months ago and not heard anything from them. I live in NY state and there has been new laws put into place to protect consumers why are they not abiding?
As of XX/XX/XXXX, this Fraudulent XXXX Account ( XXXX ) REAPPEARS on my credit report after it was removed back in XX/XX/XXXX. I DO NOT have ANY SIGNED accounts with XXXX. I DID NOT sign any accounts with them. Furthermore, EXPERIAN removed the account from my credit report back in XXXX of LAST YEAR after they DID THEIR INVESTIGATION in XX/XX/XXXX. So, again, this is MY FINAL ATTEMPT BEFORE I SUE EXPERIAN because they violated the Fair Credit Reporting Act by NOT notifying me before RE-INSERTING an account they removed almost a year ago.
I have a collection for XXXX XXXX on my credit report and when i call the company in question to find out what its for they say they have no record of a collection with them but yet its still on my credit report. I have tried numerous times to get it removed from my credit report thru different investigations but have been unsuccessful.
There are numerous debts on my credit report from XXXX XXXX. The debt have been paid and are noted as a charge off. this is hurting my credit report. the accounts need to all be removed
Scam Committed by PayPal I feel I was wrongly signed into PayPal 's Credit Service. This seems to be a delayed payment for 6 months I scammed into, when I could 've easily paid the entire {$150.00} transaction on XXXX XXXX, XXXX, paid through my debit card. That 's exactly what I thought, that I was paying through my debit card. Today, a male from PayPal collections called me, stating that I currently owe {$180.00} for non-payment. He said they 've been sending me correspondence on this. I did finally find ONE email, stating that payment was due. However, I felt I did n't need to read ANY of today 's many emails from PayPal, which were pretty much advertisements - I thought the transaction AND payment had been completed through my debit card last year. While I was talking, the collector tried to interrupt me several times, but I continued talking anyway, refusing to acknowledge his " collector '' tactics. I finally told him I 'd investigate my bank account and call them back. 

I called my bank ( XXXX XXXX, XXXX ), and sure enough, NO payment of {$150.00} was paid through my account on XXXX XXXX, XXXX. 

I called PayPal Collections ( XXXX ) back on XXXX XXXX, XXXX XXXX PST and spoke to a XXXX. I told her the same thing, that I was wrongly signed into PayPal credit. I told her that I only wish to pay her the {$150.00} transaction. She said, " We 're Collections, and I can give you a REDUCED late fee. '' I replied, " I never signed up for PayPal Credit. I 'd like to file a complaint with Consumer Financial Protection. '' She asked, " Do you want their address so you can write them? '' I replied, " No, I can file the complaint online. '' After that, the call went silent. I believe she put me on hold or mute.
When I realized I was struggling to pay off this loan, I attempted 3 times to contact the company regarding the issue. I was informed that they got my email, but they refused to talk to me further about ways to resolve the issue. Instead, they continue to charge me finance charges every 15 days, now almost doubling what I currently owed. Another loan that I received have worked with me in resolving this issue, b ut Big Pictures did not, and refuses to. I am now working with a credit resolution in an effort to try not to file bankruptcy. Big Picture L oans is a company that is impossible to contact and does not respond to my emails except with form letters. They do not allow you to pay off your loan but instead implement a new application each 15 days with a new number.
I borrowed {$13000.00} in 2003 from Student Loan Finance. I became extremely I 'll in the middle of the XXXX semester, resulting in XXXX XXXX over the last XXXX years. Student loan XXXX has been unrelenting. They have told me I need to borrow the money from family members or get another job. They have been unwilling to accept any form of payment other than what they want and have threatened to sue me.
On Monday ( XXXX ) my opening balance with TCF was over {$300.00} and XXXX transactions from the weekend were already posted to my account. I had XXXX transactions that day, totaling {$390.00} and no other transactions. When I checked my account on XXXX, TCF charged me {$140.00} in overdraft fees for the XXXX transactions that had already posted to my account. When I asked why I got charged overdraft fees for those instead of the pending transactions, the TCF rep said it took money from my account to cover the pending transactions. When I checked my account today ( XXXX ), I found I now have been charged overdraft fees for those XXXX pending transactions as well, bringing my total overdraft fees to {$220.00}. Since none of the XXXX transactions were more than {$200.00}, I do not understand their logic.
Cbe group was notified by   XXXX   to cease collection activity but Che group is still reporting to   XXXX   credit bureau 's.
I moved in XX/XX/XXXX. I made numerous notifications to XXXX XXXX / Chevron regarding this change of address and subsequent transition to a new email address. In XX/XX/XXXX, I closed the account due to the inability of XXXX XXXX / Chevron to accommodate these changes and properly notify me of any monthly dues in the form of a statement ( both US mail and e-mail ). I closed the account in XX/XX/XXXX and recently discovered that XXXX XXXX / Chevron retaliated against me for this closure and reported a 30 day late on XX/XX/XXXX. This revengeful act occurred because my last few conversations with XXXX XXXX/ Chevron were unpleasant. I have contacted them regarding their intentional maliciousness against me an entire 3 months after the account was closed.
XXXX XXXX viewed my TransUnion credit report on XX/XX/2017 and XX/XX/2017 without my consent or knowledge. 
XXXX XXXX XXXX via XXXX viewed my credit report on XX/XX/2017 without my consent or knowledge. I have contacted them directly and TransUnion disputing these inquiries and they never take any action to investigate or remove these inquiries. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized or at least known about them viewing my consumer report otherwise, I am asking that they remove these inquiries from my TransUnion file.
I believe that I am a victim of predatory auto loan. I was not qualified to get a car at the time that I was looking but the sales people assured me that they would be able to get me a car no matter what. I did not have income at the time of the loan so they used my boyfriends income to make it look like I had a source of income. Is that not fraud? I was in a desperate situation at the time of the loan and I believe they took advantage and knew I was going to be stuck in a loan that I could not afford. My contract was never explained to me and no options where ever presented as far as interest rates, term, etc.
To whom it may concern, I had an account with XXXX XXXX prior to leaving my apartment. When I moved I called and tried to cancel my account. Instead, the representative convinced me to place the account on hold until I found a new location to live. It took me about 3 months. When I called to reactivate my account I did not agree with the balance owed and asked them to terminate my account. I do not feel that the balance is correct. I have tried for years not to resolve this account. The representatives are always rude and unwilling to work with me. I truly believe this balance to be incorrect and request immediate deletion from my credit.
Company appeared on my credit XX/2017 without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.
Account is being reported as late and delinquent when I am prepaid for years. I’ve been making big payments to get these paid off, and currently show no balance due. However, my most recent credit report shows me as 90 days delinquent on these accounts.
i have over XXXX in credit cards and i have no need to apply for more credit card but i see on my credit that i have over 25 credit inquiry which 90 % of them i have no knowledge off. Due o inaccuracy on my credit file i has led o some of my credit cards being closed because lenders considered me as high risk that i am seeking too many credit which i am only using 3 % of what i have right now.
The merchant Ally Financial has repeatedly delayed submitting the correct balance of consumers account while simultaneously delaying timely reporting to all United States Consumer Credit Reporting Bureaus, i.e. XXXX, XXXX, and XXXX. The consumer is forced to make personal inquiry to insist on having Ally make accurate status reporting to all U.S. credit bureaus. The above-mentioned actions by Ally Financial serves to depress 'accurate credit scoring ' ( towards the consumer ) based on current diminished balances. Ally Financial has used these 'fraudulent and deceptive ' credit-reporting stall tactics with this consumer whom has established an account that has paid early each billing cycle and NEVER LATE, for over 13-months.
I received a " Data Report '' from NCTUE ( National Consumer Telecom & Utilities Exchange ) dated XXXX XXXX, XXXX, that erroneously showed a late payment to XXXX. I contacted XXXX XXXX XXXX, XXXX and confirmed that there was no such late payment. 

XXXX representative told me that I needed to initiate a dispute with NCTUE to fix the report. The same day ( XXXX XXXX ), I mailed a certified letter to the NCTUE  dispute address listed on the Data Report. On XXXX XXXX, I received the receipt from the USPS indicating that the certified letter was delivered and signed for. 

On XXXX XXXX, XXXX ( over 30 days after the receipt of the dispute letter ), I called the NCTUE customer service line ( having received no updates since I mailed the certified letter ). I spoke with an agent, and that agent 's supervisor ( supervisor employee ID # XXXX ). They said that no dispute process had been initiated. They promised to start the dispute process over the phone, but could not provide any confirmation number due to their " system being down ''.
In XX/XX/2018 I took out a debt consolidation loan from XXXX XXXX XXXX XXXX. I supplied them with my credit report to pay my rent off. A check was sent to XXXX XXXX in XX/XX/2018 and deposited by them according to my banks records. However they failed yo update all 3 bureaus, and refuse to work with me on fixing it. I have proof of the check and deposit from my bank. I need this off my credit.
I 've sent Portfolio Recovery a debt validation letter XXXX 2017, requesting validation that the debt was mine by showing proof of an agreement with their client that authorizes them to collect on this alleged debt, an agreement that bears signature of the alleged debtor wherein the promises to pay the creditor and a complete payment history on this account so as to prove that the debt amount they wish to collect is correct. What I received from Portfolio Recovery Association was a letter from XXXX XXXXXXXX stating that the account reference has been acquired to Portfolio Recovery Association and three XXXX XXXX statements. This is NOT proof of validation.
XXXX IS BILLING ME WHEN I AM XXXX AND UNEMPLOYED. I HAD ASKED THEM TO FORGIVE THE DEBT AS THEY ARE ASKING MCM, INC. TO BILL ME.
I have sent multiple disputes and method of verification requests regarding accounts that are reporting on my credit report. I keep getting that the accounts have been verified with no substantiation. 

I have requested the names of who did the investigation, dates, how was it concluded that these are in fact my accounts. I The confirmation # on the report I just received is # XXXX
Transworld systems XX/XX/XXXX {$50.00} Transworld systems XX/XX/XXXX {$50.00} Transworld systems XX/XX/XXXX {$100.00} Transworld systems XX/XX/XXXX {$180.00} These medical collections showed up on my credit. I had never received a bill from any doctors office. I had insurance anytime I saw a doctor and did not have any copays due at the time of visit. Ive contacted the credit company in the past to try and resolve the issue and ask for paper billing statements but have never had any luck with them.