WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, When my husband and I build our first house we ran into a snag when they found on my credit report someone else 's info. She had the same name as I and we lived in the same town. My husband worked hard to get her info off so we could close on our home. In XXXX we got divorced, my credit only had slow pays on did due to financial problems of divorce. In XXXX, I had to refinance my home, when my credit was run I found Experian had put this person back on my credit report SS number, address, bankruptcy, we went to same Dr 's Hospitals, etc. My SS # was also on this report dated XXXX actually there were XXXX SS # 's on it. It also shows a bankruptcy, I 've never had one, and this still shows on my report today. When I reported this report, They told me to prove it was n't my info. I had pulled my CR from the other XXXX companies and their reports were right and had half the info, I asked them how come those were right and Experian were wrong, where did they pull those SS # 's from. They still insisted I fix this. In the mean time I had to refinance my house at a higher interest rate 7.9 because I could not get all this cleared up in a timely manor. It 's at least XXXX or more problems not XXXX or XXXX. I worked XXXX jobs and a single Mom with a small XXXX son, there 's no time to hang on a phone. The only help they offered was to quickly remove the wrong SS #. These errors have followed me for years. They have ruined my credit, forced me to pay cash, not letting me establish credit, purching cars at extremely high rates, or for cash only. My bank stopped giving me small loans because they thought I defaulted on my loans. She and I banked at same credit union. That was n't me!! It was the other person, she filed bankruptcy!! They need to be held accountable!! Now I see debt that should have been removed years ago showing derogatory until XXXX? I have all my old Credit reports showing there errors. I thought they were formed to protect us not to hurt us!!
Me and my dad have the same name he is XXXX, and i am the XXXX. He has an account with syncrony bank/ XXXX  XXXX that is in collections and showing up on my report.
I received notice in XX/XX/XXXX that my mortgage would be transferred or sold from CitiMortgage to XXXX XXXX. I told my wife that I wanted to just go ahead and pay the thing off to avoid any mix-ups or hassles related to the transfer. We only had about 8 payments left on a 15 year. We utilized their online payment system and paid it off in XXXX increments with the last amount showing XXXX. We tried to pay the XXXX but could only pay XXXX so it left one cent remaining. I assumed they would deduct this penny plus whatever made up fees they claimed from our {$1200.00} they owed us from escrow. I also received a notice of Our records indicated your mortgage has been paid in full. Please be aware you are responsible for all property taxes and insurance. Thank you for your business! when I logged on to make sure that things were done. I thought cool, they will now mail me the escrow balance check. 

My understanding is they have 30 days to settle the escrow. They then went forward with transferring the mortgage to XXXX XXXX and I have now received a letter stating Our records indicate that as of today, XX/XX/XXXX, your monthly mortgage installment which was due onXX/XX/XXXX, in the amount of {$2100.00} has not been received. I first called XXXX XXXX and they stated that they did show a balance but did not understand why I received the letter. The advisor also stated that my credit would not be marked for 60 days because it was a mortgage transfer and they would look into it. It was also my understanding that my load was not going to transfer to the new provider until the end of XX/XX/XXXX. I called CitiMortgage and spoke to a supervisor on XX/XX/XXXX and was told I could not pay off my mortgage using the online method and I had to request a payoff and that is why the load was transferred. 

I feel that Im being bullied and will likely have to pay a late fee of {$96.00} because I owe XXXX cent on the mortgage and it was late even though they have {$1200.00} of my money that they were obligated under the Real Estate Settlement Procedures Act to return to me within 30 days. 

Please help with this time wasting madness. 

Thank You Very Much.
I missed some payments with this credit card company sue to some financial hardship at the moment. Immediately they reported the missed payments to the credit bureau by putting the amount outed into collection which damaged my credit very badly.
*****this is not a request to put any personal freezes or fraud alerts on my account**** There are XXXX specific items that are reporting on my credit file that are not meeting FCRA guidelines under section 609. I have continued to ask Equifax to send me the proper documentation and they refuse. The original creditors have not responded to my requests by writing and that process started back in XXXX of 2016 so enough time to respond but have not. 

1. XXXX XXXX XXXX in XXXX XXXX MN XXXX as told me on the phone that they do not have the original signed documentation for this debt of {$100.00} and yet Equifax still lists it on my credit report. They are specifically violating section 609 and no on wants to do anything about it. They have already been fined for breaking the law in the past and this is no different. This account can not be properly verified or validated and yet they keep reporting it on my credit file. 

2. XXXX XXXX XXXX is trying to collect on a debt from a XXXX XXXX XXXX. When I have reached out to this practice they can not produce any signed documents from. Also when I asked them to produce a signed HIPAA release form showing that if I were the patient owing this debt that I gave them permission to release any part of my medical file so they are technically in violation of Federal Law. Equifax can not verify this debt per section 609 with an original source document. 

Please understand that it is not my responsibility to reach out to these companies and to verify the debt. If you are going to list a negative item against me you must produce original documentation with my signature showing this debt is mine and you have been unable to or unwilling to do your job per the law.
On XX/XX/XXXX, a charge of {$200.00} was deducted from my checking account from XXXX that I did not authorize. On XX/XX/XXXX once I was notified electronically, I contacted my bank, Santander, and advised them about the unauthorized charge on my account and to dispute the charge. I also contacted XXXX to file a complaint and to dispute the charge. The next day, I received an email from XXXX that my checking account was refunded the {$200.00}, and the charge was made for a XXXX purchase. I thought the case was resolved, then on XX/XX/XXXX, I received a letter from Santander advising me they agree with the merchant and my checking account will be charged the {$200.00} for the XXXX purchase. I tried to call Sandtander 's card claims contact center twice and was on hold for over 10 minutes. I decided to email their contact center to request a call. I do not agree with their decision and no determination documents were attached.
In XX/XX/XXXX I applied for a home equity loan from the now defunct XXXX XXXX XXXX. XXXX XXXX XXXX was sued by the Department of Justice and the Consumer Financial Protection Bureau in XX/XX/XXXX for charging XXXX and XXXX borrowers higher prices for their home mortgage loans than non-Hispanic White borrowers. XXXX acquired XXXX XXXX and agreed to pay {$35.00} XXXX to settle charges that the former XXXX XXXX Bank discriminated against XXXX and XXXX borrowers by charging them more on home mortgages because of their race and national origin. According to the U.S. Department of Justice and the Consumer Financial Protection Bureau, XXXX XXXX, which XXXX bought on XXXX XXXX, XXXX, violated the federal Fair Housing Act and Equal Credit Opportunity Act in imposing higher fees or interest rates on more than XXXX minority borrowers. 
According to the court documents, the violations involved loans made through more than XXXX XXXX XXXX retail offices from XX/XX/XXXX to XX/XX/XXXX, and by mortgage brokers from XX/XX/XXXX to XXXX. XXXX said XXXX XXXX financially rewarded loan officers for imposing extra charges, known as " overages '' that were not related to borrowers ' creditworthiness, and did not properly monitor how they were imposed. This resulted in statistically significant discriminatory pricing disparities based on race and national origin, and caused more than XXXX XXXX borrowers and more than XXXX XXXX borrowers to overpay. 
RBS Citizen bought the loan without knowing its history and is now suing me to collect on a loan that was null and void. Because XXXX XXXX committed fraud in originating the loan, that action made the contract void. 
In XX/XX/XXXX XXXX contacted me about the loan and assured me that they would conduct a full investigation because of XXXX XXXX XXXX mounting troubled mortgages and would cancel the debt. The investigation was never done and instead the loan was sold to RBS Citizens. RBS Citizen filed a lawsuit in XX/XX/XXXX and we are currently in court proceedings. RBS Citizen is trying to collect on a loan that XXXX should have cancelled.
I had XXXX IBR payments completed when I lost my job. Navient put me into unemployment deferment. I just heard on XXXX that this was the wrong thing for them to do - that I should be in IBR with an income of {$0.00} so it counts for my 25 years, and that you are suing them for doing this to students. I would like to add my name to the suit or whatever I need to do in order to benefit from the lawsuit, since this will add months to my IBR loan repayment.
We took out a second mortgage for XXXX for a 15 year loan in 2006 with XXXX XXXX XXXX who sold it to XXXX who sold it to Franklin Credit managment. The initial interest rate was 13.9 %. I made payments for 3 years the Principal stayed at XXXX. I had no contact from this company for 6 years. After 6 years they contacted me 6 months ago saying I had to pay XXXX in back payments or they would foreclose. They then hired The XXXX who put a Notice of Foreclosure on my house. This is a predatory loan. The loan amount never went down. The loan was for 15 years. We will pay them a total so far of the XXXX + the XXXX which will = XXXX.
Hi - SunTrust offered a promotion of {$600.00} to open a bank and credit card. 
After 6 months finally received {$200.00} although they have charged almost {$300.00} in fees. No bank XXXX for 7 months. 
Rude and arrogant staff.
Called over 10 times. 
They show no concern or compassion for this situation.
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I received a call today ( XXXX @ XXXX ) from XXXX stating that I have a debt XXXX, I did n't immediately remember but I felt as if I paid it off already. Nonetheless the lady by the name of " XXXX XXXX '' with XXXX Law firm ( I could not find this anywhere online nor XXXX in XXXX AZ she gave me ) asked for credit card info today and if they did n't get it I was going to be sued and sent to court .Then when requested some type of " verification '' of debt, she hung up.
XXXX / XXXX / 17  called my work and harassed employee who answered after I just spoke to them 3 days ago, he is harassing because I would not commit to any type of secured payment arrangement and threatened me for not doing so saying they will come after me. I am still waiting on validity of debt to review and confirm specifics and have not received anything.
Amount was originally XXXX - settlement of new balance is XXXX. Payments made do not reflect balance of XXXX ( XXXX XXXX, 2016 )
I have several negative accounts with this company that are paid in full and closed accounts. 
The account was opened XX/XX/XXXX and has been Paid in full, Closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company. 

The account was opened XX/XX/XXXX and has been paid in full, closed since XX/XX/XXXX however the credit grantor is refusing to remove the item from my credit report which is reporting negatively. I have disputed this issue several times however no changes have been made by the company.
This   XXXX   XXXX   account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted   XXXX   XXXX   to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all  XXXX  credit reporting agency 's and report the information back to   XXXX   XXXX   directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from   XXXX   XXXX   as well as the third party collection agency. The collection agency never reported anything to   XXXX   XXXX  , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted   XXXX   XXXX   directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with   XXXX   XXXX   to resolve this issue however I have been unsuccessful in doing so. I also requested that   XXXX   XXXX   provide any signed contract documents proving this account was opened by me which I have not received, in doing this   XXXX   XXXX   has violate the FCRA. I have also submitted request to all   XXXX   credit reporting agency 's for verification ( signed documents ) of debt which   XXXX   XXXX   did not provide to  XXXX ,  XXXX  or  XXXX  nor myself ... however its still reporting on all  XXXX  of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and   XXXX   XXXX   to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.
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Thank You
On XX/XX/XXXX I applied for a parent loan for my child going into college. I was denied this loan and advised that a charged off account was added to my equifax credit report. I called the credit bureau and had to wait for a copy of this report to be mailed to me. I then learned that a relative had a charged off with a credit card company between XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX this relative 's debt appeared on my credit file and showed me being an authorized user on the account. I had no knowledge of this account or my alleged status of the being an authorized user. I contacted Equifax and submitted a dispute of the information. I also have been calling this financial institution and advising them that I never gave my consent to be added to this account and have requested that I be removed and provided with any proof of my relationship to this account. As of today, this company has been unable to provide any of this documentation and has continued to say that they need to check their records. I even had the person who's account it was provide me with a letter saying that they have no knowledge of me being associated with their account and wishing to have me removed from this account as an authorized user. Despite this information, Equifax completed " its investigation '' with no supporting documentation from this company and will not have me as an authorized user removed from my credit profile. I am unable to get any resolution with this bank or equifax. I never had this card, used this card, made any purchases, or participated in any of it's debt accumulation.
The XXXX has been attempting to collect money for a newspaper I have never received. A solicitor came to my door offering subscriptions to various magazines and the XXXX. To get rid of her, I gave her a check for {$19.00} for the times. It was supposed to be for the Sunday edition to be delivered for 2 months. The paper was never delivered, and I have never received anything from the XXXX other than bills for more money. I emailed them stating that I never received the paper and I did not want it. No newspaper ever arrived, yet requests for payment continued. I assumed it was fishing by the XXXX, so I threw them away. 
Today, I received a letter from A.R.M. Solutions which is apparently the XXXX ' collection agent. They are attempting to collect {$28.00}. I realize that it is a small amount, but it is maddening to be continually sent bills and then be put into collections for a product I never received. I am sure that were I to pay the amount they say I owe, I still would not receive any newspapers from them, nor do I want anything they have to offer ever. 
I would like this resolved so that false debt or false collections do not show up on my credit report.
Actually, i did not receive notice of right to dispute, instead a guy came to my job representing Simpson Law Firm stating that i could be arrested if i do n't contact Simpson Law Firm and set up a payment plan with them. They also stated they will garnish my wages as soon as possible. 
Still i never received validation of the debt i sent them 3 times already. i sent it to them the first time last year of 2015, it was signed indicating they received it, i also faxed and send them another validation letter by fax and XXXX after they would not tell me the amount i owe over the phone. 
two weeks after sending them the last validation letter, they sent me a letter stating they will garnish my check again. I have already started the process to file suit
Called multiple times, I explained I am handling this issue on my own, I do n't have the money to pay. I ask to please stop calling on XXXX/XXXX/16 at XXXX XXXX. I just received a call at XXXX on XXXX/XXXX/2016
I recently had my information taken from a payday loan website. On XXXX/XXXX/XXXX at XXXX I recieved a phone call from an unknown number. As there was no caller ID, I allowed the call to go to voicemail. I recieved a minute-long voicemail from a woman Identifying herself as a XXXX XXXX. She said she was calling regarding some paperwork I need to sign for regarding a request placed under your name and social security number and I need to place you on my schedule regarding a claim that an office is looking to place against you. She said she placed me on her schedule for the XXXX of XXXX XXXX if I have any questions regarding the matter to call the office that had filed a complaint against me at XXXX reference number XXXX. 
Having worked in collections for nearly XXXX years I know that this is a tell tale sign of a debt collection scam or at best a scare tactic used by a collection agency which is in direct violation of the Fair Debt Collection Practices Act XXXX you arent supposed to impersonate a lawyer or process server ). 
Needless to say, I did not call back. A quick search via google for the number yieled nothing. As the woman who called didnt call from a known number or leave a company name and number for me to call back, I decided to ignore the call. 
The next day, at XXXX am I recieved another call from a blocked and unknown number. The same woman had called and left another message. She stated that as she had heard nothing different from the office who filed the complaint she would be moving forward with delivering papers that required my signature on the XXXX and that if I have any questions to call the company who filed at XXXX. 
This type or behavior was obviously supposed to be a lure, to get me to call back. 
I purposely waited until after business hours to call the number. After XXXX ring, the number was automatically forwarded to a voicemail box that stated Thank You For Calling Red Cedar Associates, our office is currently closed ... then it rambled off their hours of operation and asked me to leave a brief message. 
A quick google search of Red Cedar Associates brought me to their website and phone number. I called their number off of the website : XXXX, and it was the same exact mailbox. This company, weather they are a legit collection company or not, needs to be stopped.
I am in an active wage garnishment fro m Pressler and Pressler. S o far they have gotten me for over  XXXX  and actively collecting another  XXXX . The docket numbers for the judgement are not found on any public record with the state of NJ in my name for this debt. I want my money back and I want them to resend this bogus claim
I have contacted TOYOTA MOTOR CREDIT or Toyota Financial Services regarding a late reporting on my credit report. They reporting that on XXXX or XXXX that I was late. I sent the payment via check and they said they didn't receive it, I then made the payment with then and there. I have had this loan since XX/XX/2016 and never been late and I also had another loan with this company that I paid off and was never late on that one as well. I closely track my payments and are never late. It beyond my comprehension why Toyota Motor Credit or TFS would report me late when I was not. I have been a loyal customer for 2 loans  and that I paid on time this is how they treat me by falsely negatively reporting to credit reports when I was not late, after I pay off this loan, I will never do business with TFS again or buy any Toyota vehicles. Such a terrible experience.
I wrote to XXXX  ; XXXX  and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company Exeter Finance is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by Exeter Finance and it is causing confusion and havoc to my credit and needs to be removed.
I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. 

{$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX