WillisBack/dataset-financial-user-claim huggingface dataset:
beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}
An automated call identified as XXXX XXXX, calls regarding credit card debt from retail establishments that not only do I not have a credit card with, I have never even shopped at these establishments. I hold no retail establishment credit cards at all and have not received any statements from any of these stores, and yet I have had calls regarding at least 6 or 7 retail  establishments ( some I've never even heard of ). One in particular that has been called about several times is XXXX XXXX. The calls come so frequently that more than once we have received 5 calls in one day. On one occasion I tried to speak to someone at the number but was unable to speak to a live representative.
On XXXX XXXX, XXXX I paid off the mortgage and the check was made payable to XXXX XXXX XXXX XXXX. I have researched the property in the XXXX XXXX XXXX at XXXX and the release of lien or satisfaction of the mortgage was not reported by the lender. The loan initially started with XXXX XXXX, and was transferred to XXXX, XXXX XXXX, and XXXX XXXX. 
Note that in XXXX, XXXX XXXX and XXXX XXXX XXXX merged, and the mortgage company was renamed XXXX XXXX XXXX Mortgage. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXXXXXXXXXX ) and they stated the following : XXXX XXXX XXXX was acquired by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is not part of the XXXX XXXX XXXX, XXXX. XXXX. It was acquired by XXXX XXXX XXXX , XXXX which was acquired by Chase Manhattan. Chase Home Finance is handling those loans now. ( XXXX ) XXXX. 

So I contacted Chase, and XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Email : XXXXXXXXXXXX ), the XXXX in the Lien Release Customer Research for Chase at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX stated that he reviewed the request provided for a release of lien on the XXXX loan for XXXX. The servicing company listed is a company that Chase can sign for. However, in order to process a release for this loan I do need some additional information. Since the loan was never assigned, the memo note giving the check number and amount paid is not enough to move forward on this matter. Please provide a copy of this cancelled check or a paid in full letter to confirm the receipt of payment. 

Note that I did not receive correspondence from XXXX XXXX upon payoff of my loan. I wrote check # XXXX payable to XXXX XXXX for {$32000.00} from a XXXX XXXX XXXX Bank checking account. I do not have a copy of the cancelled check. XXXX XXXX XXXX Bank was acquired and is no longer in existence today.
ACCOUNTS ARE STILL ON MY CREDIT REPORT AACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
I was Modified by BOA, the agreement was to make XXXX payments on time, On the fourth payment they were closing out the old loan, took my payment, applied it to principal and then said I had to make another payment and that they could not fix their mistake. I spent two years trying to get it corrected with the help of the local bank and they reversed it and sent an apology letter. One month later they reversed it back, I refused to make a payment for two months until they corrected it and then at that point gave up and started making payments, they then sold the loan to XXXX which is even worse than Bank of America. I have since then caught up on all my payments, but XXXX is trying to charge me XXXX in Late fee 's.
my information, personal information could have potentially been stolen. now my credit will have to be put on hold and I have to monitor account and buying a home this will stop all my financials issues and keep me from moving forward with credit.
I have 6 XXXX  backed credit cards ; XXXX acct ending XXXX, XXXX 's acct ending XXXX, XXXX acct ending XXXX, XXXX  XXXX XXXX   acct ending XXXX, XXXX XXXX acct ending XXXX and XXXX acct ending XXXX. I've had all 6 XXXX  backed credit cards for several years with an excellent payment history but, 5 out of 6 of my XXXX  backed credit cards credit limits were lowered/ and decreased without notice. I didn't have any past due payments on any of my credit cards with XXXX  and my credit file with XXXX, XXXX and XXXX  hasn't changed. I don't have negative payment history with any of my other credit obligations. I don't know why my credit limits were decreased. I have also been unable to obtain a credit limit increase with my XXXX backed credit cards while prior to the decrease I was always able to get an increase. The credit limit decreases from my XXXX backed credit cards has ruined my positive payment and overall credit history while my other credit obligations continue to reward and increase my credit limits. My credit took a big hit negatively after the lowered limits were reported. I would like more information regarding the reason for the decrease because I've never received notification of the decreases. I would also like a reconsideration of possibly restoring my credit limits on all my XXXX backed credit cards based on my excellent payment history and loyalty.
Midland Funding bought an old Medical debt and put it on my credit report as if it had just been filed in XX/XX/XXXX, but it 's Original Delinquency Date was XX/XX/XXXX. As of XXXX/XXXX/XXXX, they have put a hold on my bank account but never even notified me of any court action. When I called them to discuss the hold, they falsely claimed they were a Law Office who was trying to collect the debt for the Hospital, but when I tried to get the truth out of them by questioning them further, they hung up on me. This company has harassed me by calling me several times, and even when I answered sometimes, they 'd say nothing for several minutes and then hang up. Could you please help me, I do n't know how to get the hold off my bank account and them off my back. Thank you.
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, Equifax, XXXX and XXXX. 

Thank you, XXXX/XXXX/XXXX
My XXXX mortgage was sold to OCWEN in XX/XX/XXXX. Since that time my escrow has been miscalculated requiring yearly catch up. Also, they transitioned to a new " web '' system and now I can not retrieve any payment info prior to XX/XX/XXXX which is affecting a refi with another bank. They are not responsive and have horrible outsourced XXXX based customer service.
I continue to get inappropriate calls from Creditors Bureau Associates of Georgia after I have made numerous electronic payments to pay towards and/or settle the medical debt owed. The agency continues to call requesting sensitive information ( i.e. social security number, mom 's last name, etc. ) after I have requested them to send me information via mail. My payments have been returned after two attempts to pay. I have also called and received inappropriate attitude from the collections specialist after I repeatedly explained that I wanted to pay the debt owed based off my financial capability. The specialist offered to settle the payment and I accepted based on the conditions that the settlement is sent to me in writing ( via mail and email ). To date, XXXX XXXX, 2016 I have not received a letter or email. So, to continue showing that I want to pay the debt, I continued to make payments and the company continues to return the payment. I have sent written correspondence to the company stating that I have only afford to pay them a set amount of {$25.00} a month on a medical bill that is less than {$1000.00}. 
I am still receiving nonstop inappropriate calls.
I apparently sold my truck to a man named XXXX at phone numbers XXXX and XXXX for {$23000.00}. He sent counterfeit checks of the amount {$26000.00} to my bank, XXXX XXXX XXXX XXXX ( account # XXXX ) from XXXX XXXX XXXX XXXX XXXX ( routing # XXXX ; account # XXXX ). He stated that he was overpaying me because he was having to hire a mover to come pick up my truck to move it out of state. I sent the difference to the supposed mover for the difference of {$3200.00} which is where he told me to send the funds. I sent it to the Bank of America Account ( routing number XXXX ; account number XXXX ) through the XXXX from my XXXX Checking Account ( acct # XXXX ) as instructed from the attached text message thread. I received notice from XXXX XXXX after the funds were transferred that the check for {$26000.00} were counterfeit and the transaction was reversed. No mover arrived to pick up the truck and the scammer has become non-responsive. 

I am now out {$3200.00} from my attached XXXX XXXX account and have filed a claim but was denied since I in fact initiated the transaction. The account at Bank of America is being used for Identity Theft and a deposit account for fraudulent transactions and counterfeit checks. I did reach out to Bank of America and they told me to reach out to multiple agencies to file a complaint. I have copies of all text messages and transactions but can not attach as the file is too big.
Despite 2 prior complaints filed with this agency, Equifax continues to NOT include XXXX XXXX XXXX XXXX 25-year-old account on my credit report that has resulted in the inaccurate reporting of my credit file causing me to be denied credit. XXXX XXXX XXXX XXXX in their explanation stated that they report to all 3 bureaus monthly. XXXX, XXXX, AND EQUIFAX monthly. But None of them except, XXXX   seems to have this account listed. Union states that upon their inquiry to Equifax, they were told them that due to the account being suppressed, it was not showing but NOW it has been fixed. And, the problem NOW is with my last name. The last name issue was fixed directly with XXXX XXXX XXXX XXXX still, Equifax continues to not report this account. Now, I have been denied credit based on having a " Limited CREDIT HISTORY '' because the information being reported by Equifax is incorrect.
Specialized Loan Servicing ( SLS ) who acts a servicing company for mortgage banks, started servicing a current loan, on XXXX/XXXX/16 SLS sent a letter indicating " that if i dispute the debt within 30 days SLS will obtain verification of the debt, on XXXX/XXXX/16 i sent a dispute letter together with a QWR but as of today there is no response from SLS but they are continuing to collect on the debt,
An account was set up in my name by my parents without my permission and I the account was being used while I was in the military, years later I see that the account was closed out due to non payment for a small amount. The bank has since restructured itself, I 've reported it several times but there has never been any outcome.
My problem is the opposite. I am trying to get ahold of this debt collector, but I can not find a number for them. I searched for the office and it said that it was permanently closed. Only my credit report it says that I owe them {$800.00}. It is effecting my credit score so I dont know what to do.
My son received a new XXXX gift card for his birthday that is not working, we called XXXX and they say they can not help because my son is not registered on the card?
I have disputed inaccuracies with 2 credit cards that were once reporting on my credit file. They were deleted after I disputed hard inquires within those 2 companies due to someone trying to open accounts with them Since my identity was stolen. Instead of removing only the inquiries they removed the entire account and history. My walmart/syncb account was reporting forn11 years and erased on or around XX/XX/2018 The 2nd accoubt was XXXX  platinum Visa which came off after a unauthorized hard inquiry as well in XX/XX/2018. I have sent in proof of both accounts being reported and it has caused a serious drop in not only my scores but the overall health of my credit.
1. In XX/XX/2015 I ordered a pair of hunting boots from XXXX, paying with a credit card. 
2.Subsequently I recieved a phone call from some one purporting to ba a representative of Comenity - The XXXX, informing me that I owed an over due payment for a pair of boots. 
3. I had no knowledge of this account # XXXX. I had neither requested nor approved the opening of this account. I have never reieved a credt card or notification of the existance of the account. 
4. I paid for the boots, using another credit card and requested that the accont be closed. 
5. Susequently, Despit many phone callsI have continued to recieved monthly statements citing overdue charges. The current balance approaches {$200.00}, all a concatination of overdue charges, the merchandise has been paid for. 
5.I have requested that all charges be recinded and that the account be closed.
API out of New York contacted me. They also contacted my grandmother. Told her the amount I owed also told her I could be taken to court or wages garnished. They have not sent paper by mail to my address. Will not give a return address. They took a XXXX dollar payment and then on the next payment we would pay XXXX. Called and did not get anyone. It said the XXXX customer was unavailable. The next day they called me. I asked about the XXXX deal. She knew nothing of it. XXXX is a local MS , TN & Al cell phone company. All I could pay was another XXXX dollars. They would not take it. Refused. Said they were turning it over to the courts. Also threatened my wife with charges. They sent a plain envelope with a basic layout to my grandmother with no return address only the amount I owed. Threatening, claiming court & garnishing of wages, giving out personal & financial info & not taking a payment because the amount was n't what we agreed on. I will not pay them anything else. API out of New York, I guess used all those tactics toward family member & myself.
In XXXX of XXXX we signed with XXXX XXXX XXXX, our account is with XXXX XXXX XXXX. This was for debt relief from credit cards. A woman came over the house, to which I later found out she was a third party. I received a packet in the mail from XXXX XXXX XXXX XXXX. To which I thought great. Only to find out that the main firm is XXXX XXXX XXXX XXXX which hires out third parties. My husband and I agreed that they XXXX XXXX XXXX would take XXXX from my husbands social security check only because I am the main supporter of the house. We have been paying since XXXX, that equals {$4200.00}. I checked with XXXX  and we only have a balance of {$590.00}. I am now being sued by Discovered. I can not afford to have my paycheck garnished I am the main supporter of this house. I have all documents printed, with all fees and charges. They have not contacted any one. I  with each phone call that came in gave them their number like I was told to do. My husband has debt collector letters coming in. I had called them to cancel the contract, they told me I had to do it with XXXX XXXX  she said gXXXX XXXX was only a third party and she can not do it. I sent my husband to the bank to stop payment yesterday on XX/XX/XXXX, to which we had to pay XXXX to do that. My email is XXXX. XX/XX/XXXX XXXX fee and also XXXX fee.dec, XXXX XXXX, fee dec. XXXX XXXX fee. XXXX XXXX fee it goes on and on I have all documents printed beginning in XXXX when they started taking the money out We just want our money back and something to be done so my check don't get garnished. Please help.
Convergent Outsourcing is trying to collect on a XXXX bill that is not mine. They have reported the debt to XXXX and XXXX as a collection. I do not owe this debt and I have never owed anything. The debt is for XXXX.
I have written Notarized letters to Diversified Consultants along with many calls to them and XXXX. I explained I was a victim of ID Theft and provided documentation from police reports to whatever I had and to no avail they have not taken this off my report on XXXX yet. they have no documentation whatsoever and are lying to bureaus to try and collect a fraudelant debt. 
the amount they say I owe is {$2500.00} it says open XXXX/XXXX/XXXX I will attach documents to support this to you all. thanks for your help. 
Sincerely, XXXX XXXX
I had ordered a replacement debit/atm card for my savings account but never received it so I went into a branch to order XXXX because I was told when I visited the bank in XXXX of 2015 that it was never ordered. I was then told that the temporary card would be destroyed & I asked if I could take some money out XXXX & was told sure. I went to the atm & it said XXXX balance I was like how is that & told the banker I was talking to, she pulled up the transactions deposit on XXXX then a {$100.00} withdrawal on the same day of the deposit & then another XXXX transaction XXXX but the XXXX is the day I went to the bank & realized the unauthorized withdrawals. The banker reported the issue & I was given a temporary credit for the unauthorized withdrawals. Today XXXX I received a secure message saying that the credit is being reversed. How is that when I did n't make the withdrawals plus it was done from the Chase branch atm location that I made the deposit so I need to see the proof they claim to have to reverse my credit. I had absolutely no reason to take {$200.00} from my account when I had just deposited it & had also took out {$300.00} from another account to have money on hand & still had over {$300.00} in that account when taking the {$200.00} from the {$300.00} I withdrew to put in my Chase savings account! I had over a {$1000.00} deposited into my checking account with another bank on the XXXX, took out {$300.00} to make the {$200.00} deposit into my savings on the XXXX & days later still had over {$300.00} in my other account with more than {$900.00} being direct deposited into my other account on the XXXX of XXXX! I had absolutely no reason to touch my savings account especially after making the deposit & keeping a {$100.00} of the {$300.00} I withdrew & certainly not on the same day of the deposit! This was fraud due to skimming & Chase needs to find out who did this to me & stop trying to blame me for something I clearly did not do!
After doing some research I found out that under the FTC I can dispute errors on my credit report. Am I correct? Well I tried doing that with the credit bureaus after noticing several inaccuracies on my credit report. XXXX failed to initiate my disputes. Isnt that a violation? 

I noticed several inaccuracies 1. XXXX XXXX XXXX # XXXX The date this item went into collections is inaccurate. Also Ive never been contacted by this company. Please remove. 

2. XXXX # XXXX This company is illegally re-aging this account. Please remove. 

3. XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

4. XXXX XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

5. XXXX # XXXX There are SEVERAL inaccuracies with this account. The date opened is wrong. The balance and past due amount is incorrect. The date of last payment is also INCORRECT. Please remove this account. 

6. XXXX XXXX I have never been contacted by this company. Please remove.
XXXX XXXX, US Bank stole {$20000.00} of inventory from my business. XXXX XXXX, US Bank overcharged my business {$15000.00} in closing fees.
Inquiries not authorized being reported on my credit report XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX Bank, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX XXXX XXXX XXXX/XXXX/XXXX
MY NAME IS XXXX XXXX IN THE PAST I HAVE TRIED TO COME TO AN ARRANGEMENT TO PAY MY DEBT OF XXXX THE PERSON THAT SPOKE WITH XXXX REJECTED ME THE OPTION OF BEING ABLE TO PAY A MINIMUM AMOUNT THEREFORE I WAS VERY AFRAID OF WHAT WAS GOING TO HAPPEN SHE MADE IT CLEAR THAT I HAD TO MAKE A DOWN PAYMENT OF MORE THAN XXXX I AM A SINGLE MOTHER OF A XXXX YEAR OLD TODDLER, ALSO WORKING A FULL TIME JOB TRYING TO MAINTAIN MY LIFE AND MY SONS. THEREFORE TODAY XX/XX/18 AT XXXX MADE A CALL TO THE BUREAU AGAIN TO TRY TO MANAGE AND PAY MY DEBT AT LEAST THE LITTLE I COULD CONTRIBUTE BUT PAY IT BACK THE PERSON I SPOKE WITH STATED THAT THE XXXX DOLLARS I PAYED WERE NOT GOING TO STOP XXXX FROM PROCESSING MY CASE AND SHE WOULD NOT ACCEPT IT I AM A CITIZEN OF THIS COUNTRY BEEN WORKING SINCE XXXX YEARS OLD THE FACT THAT THEY ARE REJECTING ANY SORT OF MY INCOME IT IS DISGUSTING AND I DO NOT WANT TO SPEAK WITH XXXX I WANT TO SPEAK WITH SOMEBODY THATS WILLING TO HELP ME AND WORK WITH MY CASE!!!!