WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX a vehicle was purchased through XXXX XXXX. I lost my job in XX/XX/XXXX due to a XXXX XXXX XXXX. The vehicle was pulled out of my grandmother 's yard leaving prints. The car was then sold. I then saw on my credit file that a little one XXXX was owed. It then went up to XXXX and now over 20k yet it shows charge off/profit/loss on my credit file yet this amount still keeps growing. If this is a charge off how can the amount keep growing with no vehicle. Plus this company keeps re aging and showing up as if it is current.
On XXXX, I was supposed to have my paycheck direct deposited to my Navy FCU account ( checking ). My online account snapshot stated I had {$0.00} in Checking and {$0.00} in Savings. No other accounts were mentioned. On XX/XX/XXXX, I logged in to my account and it showed my direct deposit scheduled to hit the account. I called Navy Federal 2 ( twice ) times to ensure my funds would be available at midnight on XX/XX/XXXX. Both Representatives I spoke with, stated, " they would be available from XXXX on XX/XX/XXXX ''. When I logged on to my Navy Federal Checking Account at approximately XXXX on XX/XX/XXXX, my account showed I had a balance of {$0.00}. Upon further investigation, my account stated that my ENTIRE direct deposit was transferred to a credit card. I called Navy Federal and they stated I had an unpaid credit card debt and the ENTIRE amount was used for " collection purposes ''. None of this information was given to me and I feel was mislead. I am a single Mom who had bills scheduled to be paid from my Navy Federal Account which is causing hardship on my life and that of my child. I have not had any garnishments from my pay or any Court papers stating that I owed money. I feel like I was fraudulently mislead and lied to by my Credit Union who took my entire paycheck from me from debt I have not been given information about and that was n't apparent on my online account. I have screenshots if needed!!!
I have been in contact with Transunion , LLC since XXXX 2016, to notify them of fraudulent activity on my credit file. I have sent them copies of certified return receipt letters that were all signed for to several creditors, as proof. I have also allowed each creditor well over 120 days to provide me proof that these accounts and inquires that were in question by me were truly mine, however, the remaining ones that are on file are still there, after they have failed to provide me proof or even respond within the allowable 30 days, when I have allowed 120 days for a response!!!!. I have sent XXXX in the Specialty Priority Department at Transunion the police reports of where XXXX of my homes got broken into and my vehicle all on different days as she requested in XXXX of 2016. She informed me that she would then correct my file through other procedures that they had in place at Transunion after receiving the police reports from showing the break-ins. I have called Transunion repeatedly for two weeks now to check the status and they keep transferring to different departments saying that XXXX never uploaded the documents and that there is nothing they could do at this time. XXXX representative went as far as to tell me, that I sent them to the wrong fax number. I told the representataive that the fax number I had came straight from XXXX in the Specialty Priority Department and I verified the fax number she gave me several times to make sure it was correct. However, the representative XXXX XXXX said the correct fax number should be XXXX instead of XXXX. I asking for the Bureau of Consumer Financial Protection, to enforce Transunion to correct my credit file immediately, deleting the fraudulent accounts off of my credit file along with the inquires listed on my credit file, which I never gave authorization for as reported on my credit file. The accounts that are fraudulent are : XXXX XXXX needs to be removed and any collection account activity, XXXX needs to be removed and any collection account activity, all XXXX inquires needs to be removed as listed on my credit file.
Bank of America is suing myself and my husband. We have XXXX accounts with them and we have been with them for about XXXX years. They refused to lower our APR and we were paying XXXX on each account each month. We have not received a bill in over XXXX years and we even called them about not getting our bills but nothing happened. They called us about XXXX days ago and told my husband that they had the wrong address on us and that they would get back to us. We received a court summons in the mail from XXXX and we live in XXXX, from a third party that bought the accounts. Now what do we expect.
American Express has reported to credit reporting agencies ( including XXXX XXXX XXXX ) that the XXXX business credit accounts with them were " charged off '' while XXXX cards were paid as agreed and American Express refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.
XXXX XXXX XXXX XXXX, acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX and XXXX credit reports. 
on EQUIFAX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.
My husband has no middle initial. I have no middle initial. All of a sudden we are seeing mail from our bank and other companies showing we each have the same middle initial. I telephoned Trans Union twice. Each time the call was answered by someone from a call center I believe was not in the United States. She asked a security question. Name 2 of these 6 companies your husband worked at. My husband worked for none, not one, of those companies.
There is a medical bill in the amount of {$90.00}. This bill was paid by insurance. I paid the bill before they stated it would go to collections. The company still reported it to collections even though they stated they would not do so.
I have recently just checked on my credit score on XXXX XXXX and my credit score was affected by a hard inquiry that someone has recently made on my credit score stating on my credit report that someone has opened a PayPal credit account without my permission. Which showed as a hard inquiry on my credit report and made a low impact on my credit score however this still affected my credit score even if it is a low impact. This happened because someone opened a credit account under my name without my permission, knowledge, and consent. I do not know who had opened a credit account using my name.
O n   XXXX   XXXX   2016 ma iled  3  forms to all  XXXX  bureaus   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  Trans Union   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2  forms of ID and a Utility bill. I have reviewed my credit report and found information and accounts that I do not recognize tha t may be   a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1  ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it  ) you have on file of the account ( s )  listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately.   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  UNVERIFIED BANKRUPTCY  XXXX   XXXX  CT  XXXX  UNVERIFIED BANKRUPTCY I have not received any corresponding mail from  XXXX  or Transunion regarding my request to To verify That these accounts belong to me.
XXXX XXXX and Equifax did not fix an error on my credit report. The contract was canceled by the company.
Equifax released my identification without permission. I contacted Equifax immediately. They said wait till XX/XX/XXXX. I signed up for the Equifax protection. XX/XX/XXXX I recivec an email to verify. Nothing happens. Equifax refuses to answer any national telephone line. I want them to remove my information from their computers or tell me where to send my invoice to them for my information. HELP!
XXXX XXXX XXXX, I visited a XXXX and we were going to apply for credit but when she told me it was XXXX i declined anyways fast forward I have a inquiry on my account from Synchrony Bank and I attempted to remove it because it wasnt authorized. I decided not to submit.
XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This company is not licensed in Florida and this should not be on my credit report
I have asked Key Bank to lower my monthly minimum payment on the two accounts that I have with them. I was in a debt management program for the last 4 1/2 years paying Key Bank {$270.00} on the one account and {$170.00} on the second. I have never been late with any of these payments. I have struggled through 4 1/2 year of making these payment but now since my balances have went down considerably from roughly {$24000.00} down to {$3400.00} I need my minimum payments recalculated to whats allowed by law. I have talked to Key Bank up management and they will not lower my minimum. I think its a disgrace for a person trying to do the right thing gets no consideration. I am currently trying to refinance my home but would not be able to with these current monthly minimum payment on credit card accounts. I will still pay more on these accounts to eliminate them but I need my minimum payments to reflect less so my debt to income ratio will work with my refi. My mimimum payment should probably be no more than {$75.00} or {$100.00} dollars. Even before I went into the debt management program my accounts were not past due. I have always paid them on time well before I got in the program.
wells fargo has not reported correct information. My credit scores still read that I have not made a single payment since 2008. Wells fargo has been contacted in the past by XXXX XXXX about the payments. She is the other member of the JOINT ACCOUNT. SHE HAS ALREADY SUPPLIED ALL THE PAYMENTS FOR THE PAST 5 YEARS. Wells Fargo has yet to update my information. I have recived a useless phone call from a useless person who refused to go over information and was more worried about verifying information. It is now at the point where the mortgage has been transfer to bay view loans with incorrect information.
Transunion credit reporting agency is failing to report our mortgage on our credit report. XXXX XXXX has reported the account to all three credit bureaus and all are displaying the account correctly except TransUnion. It has been over 90 days since XXXX XXXX began reporting the account once again. We can not actually dispute this with TransUnion because the account isn't visible on the report. Both XXXX & XXXX almost immediately began reporting on this account. Why is TransUnion not doing the same? 

The fact that this account is not appearing on our credit reports is affecting our credit scores and has prevented us from getting credit on at least one occasion.
Home purchased XX/XX/XXXX with adequate insurance for mortgage company. Mortgage company sold mortgage to wells fargo in XX/XX/XXXX. Wind only coverage provider cancelled policy XX/XX/XXXX. Home still covered by Insurance that is adequate to the latest legal document signed ( XXXX Closing Mortgage Document Page 6 and 7 Section 5 ) XX/XX/XXXX Wells Fargo notifies that Wind is now required, I immediatly add coverage effective 2 days after letter received, yet was charged force placed insurance backdated to XX/XX/XXXX. 

They refused to refund the force placed insurance despite acknowledging that there was no notification ever sent out that coverage was ineadequate until XX/XX/XXXX.
I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, Equifax and XXXX  all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, Equifax and XXXX  Credit Reports.
WE WERE WORKING WITH AN ATTORNEY TO TRY AND GET A MODIFICATION ON OUR HOME LOAN WITH BANK OF AMERICA FOR OVER 3 YEARS AND THEN THEY ALL OF A SUDDEN THEY DECIDED TO FORECLOSE ON US. SO, WE HAD TO DO A SHORT SALE ON OUR HOME. SO WE LOST OUR HOME AND OUR CREDIT IS SHOT. WE TRIED DOING A CHAPTER XXXX BUT, WERE AS MUCH AS THEY HAD BEEN AND THAT IS WHY WE FILED TRYING TO SAVE OUR HOME.THE CHAPTER XXXX WAS IN XXXX 2013 AND THE SHORT SALE WAS IN XXXX 2013.
In XX/XX/XXXX, I had a 6 month free trial of XXXX XXXX which I assume automatically renewed onXX/XX/XXXX without my knowledge for an amount sum of {$49.00}. Let me also say that I did not receive any bank statements from XXXX XXXX  at my billing address at the time, so I was not aware that I had accumulated any debt or else I would have paid it back immediately. 

I was contacted on XX/XX/XXXX by a debt collector who made me aware of the fact that I now owe {$300.00} and some change. After calls to XXXX XXXX, they informed me that the excess money owed to the debt collecting agency came from late payments on the account. I called XXXX XXXX, 3rd party debt collecting agency, and they have no knowledge of the initial charge on the account. They also stated that they would be willing to settle for {$210.00} but I declined since the original amount was {$49.00} and they did not send a statement to my billing address to inform me of the amount owed originally. I contacted XXXX today, XX/XX/XXXX,  and they granted a refund to my XXXX account for the XXXX $ since I did not use the prime service at all. Meaning, I should n't be in debt at all since the original amount I owed was a non-intentional and XXXX has recognized this and refunded the original purchase to the XXXX XXXX XXXX. I have attached an email verifying that XXXX has refunded the initial amount due to their error.
It was recently revealed that on XXXX XXXX 2017, Equifax 's database containing the personally identifiable data of ~149 million people was breached by an unauthorized actor. As a result, of this my personal credit information ( including SSN, name, address, credit cards, phone numbers ) have been potentially exposed to the public which has put me at immediate risk of identity fraud by those that possess that info.
This information has been confirmed to have been compromised via the website set up by Equifax - https : //www.equifaxsecurity2017.com/
XXXX/XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/XXXX. As I was being notified about the sale in XX/XX/XXXX, I was confused about the process and was unsure who to pay. I take my credit very seriously and have not missed a payment the entire time I've had my loan with XXXX/XXXX XXXX, but was confused as to whom to pay for what month. I immediately paid when I discovered the issue. XXXX XXXX was paid for both XX/XX/XXXX and XX/XX/XXXX.
Several attempts have been made to Specialized Loan Servicing ( SLS ) for the information regarding the second version of the Home Equity Credit Line Agreement and Disclosure Statement that shows a rubber stamp indorsement of XXXX XXXX XXXX. SLS has refused to provide me and my wife with the time or the date or the year they acquired this copy. This we believe is a violation of our rights to loan information and considering our adamant declaration that this copy is not the one signed at closing, we have incurred damages and continue to be damaged by SLS refusal to fairly communicate in any attempt for us to resolve this issue. If this violation of our rights continues and results in court costs, we will demand all our expenses to be reimbursed. 
UNDER CFPB CONSUMER LAWS AND REGULATIONS UDAAP We request from Specialized Loan Servicing the information pertaining to When SLS acquired this copy with rubber stamp indorsement of XXXX XXXX XXXX and from what ENTITY or PLACE or PERSONS That this COPY was received from or provided to SLS
I bank with BBVA Compass and have been with them since they bought out my previous bank XXXX. In total, I have been with them for 14years. BBVA Compass charged me two overdraft fees on two seperate occasions on pending debit transations that were not cleared leaving my account balance in the positive. 

The current charge I am refering about happend on XX/XX/XXXX. My paycheck was electronically deposited into my account the next day before the pending charges cleared keeping my balance in the positive and I was charged a NSF charge on XX/XX/XXXX after my check was in my account. The last balance my account shows prior to my check being deposited was a positive balance of {$53.00} When I reached out to BBVA compass questioning the {$38.00} NSF charge via their banking app, I did not get a response from them for about a week and half. In the intrem, pending their response, I called the local branch where I was refunded the {$38.00} on XX/XX/XXXX. I finally received and email stating I had received a respone to my message. The message did come through on XX/XX/XXXX and it stated that the charge was vaild and I would not be refunded the {$38.00} NSF charge. I responded questioning how could they charge me a NSF charge when my account balance never went negative but that I had worked it out with my local branch and the money was refunded. On XX/XX/XXXX I get a response via the banking app stating " We understand that your account was reflecting a sufficient balance at the time the debit was drafted from the account. However, when the debit posted to your account, there was a pending balance. The amount that was pending was a total of {$67.00} on XX/XX/XXXX, for your account ending in XXXX. as a result the available balance was not suffiient enough to cover the following debit : 1. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Due to this, the charge is valid. However, we have extended to you a courtesy refund in the amount of {$38.00} as of XX/XX/XXXX. '' I responded with I had a pending incoming ACH deposit ( my paycheck ) for {$1300.00} that my company sent out on XX/XX/XXXX and was pending until it cleared on XX/XX/XXXX ( before the NSF charge was received ). Which is why I beleive I was refunded the NSF charge as a " courtesy. '' I then received a message on XX/XX/XXXX stating my complaint has be submitted to an Escalation Specialists that would contact me withing 24-48hrs. I did receive a call and was unable to answer due to work, and due to XXXX  holiday I havent been able to return their call until today XX/XX/XXXX.
I am a victim of identity theft. The following documents attached with this letter is an official police report from the XXXX XXXX Police Department. This document is proof that I was an identity fraud victim from XXXX to XXXX. 

Equifax continues to report fraudulent accounts that were open in between the dates listed above and it is severely hurting my credit reputation and good name. 

I have worked continuously hard to clear my name and my credit reports of these fraudulent accounts with numerous letters to Equifax to no avail. 

I sent an online dispute on XX/XX/XXXX, it has been more than 30 days and I still have not received any results. I demand that you permanently delete all fraudulent accounts that were opened as a result of identity theft.
Experian has re-inserted negative information that has already been removed. This is against the law. These accounts are fraudulent as I am a victim of identity theft and need to be immediately removed from my account : 1. US Dept. of Ed/XXXX/XXXX # XXXX 2. XXXX XXXX  USA/XXXX # XXXX 3. XXXX XXXX. XXXX. # XXXX
Notified the debt collector that the debt was not mine and asked that it be removed from my report XX/XX/2017
On or around XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from XXXX XXXX  XXXX. No follow up letters or phone calls. 

I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. 

All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXX to present regarding the matter. Which means I had no time to respond. 

To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. 

Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. 
No permission was given to XXXXXXXX XXXX  XXXX to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. 

During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. 

While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. 

Mind you since XX/XX/XXXX I have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.