WillisBack/dataset-financial-user-claim huggingface dataset:
I have complained against them previously under claim # XXXX. When it showed up under my XXXX report, and now it is on my XXXX report. They have been told any credit dept was filed under XXXX of XXXX bankruptcies doc # 's were given. They say this is a new account from 2012, the name they say it was opened under is my married name. I was n't married in 2012 I was n't even with my husband in 2012. Company has never contacted me in fashion. I only found out about this account since I check my credit reports every year. I put a fraud alert on my credit accounts after the 1st episode which is how I found out about the 2nd incident.
On XX/XX/2018 my family member XXXX XXXX stole my debit card and withdrew {$500.00} from my account. I noticed this the next day and reported this to my finacial institution. I advised them that my family member knew my pin # and i did not authorize this. My financial institution advised me they are cancelling my card and sent me a new one. I waited 30 days for the dispute process in which they denied the claim due the person using a ATM that i use as well. I explained to them this is the ATM i use all the time and its right by my house. They advised me to send a hand written appeal with all the details of what led up the theft of my card. I did so. This was an additional 45-90 day  process. I waited the necessary time frame and reached out to them for an update. My financial institution then advised me to get in touch with the ATM this happened at as this is the only way i can get my money back. I advised that i don't see how this will fix anything seeing that i do not have an account with that bank i have an account with them. I reached out to the merchant anyway and they advised me of the same thing. There is nothing they can do since my account is not with them.I have provided this company with my family members name, address, and advised he is currently incarcerated and where. When you call the customer service number they clearly state if you card is lost or stolen you are protected. This is not true. My financial institution is XXXX XXXX XXXX XXXX. I have had this account for 5 years and have all my deposits on this account such as direct deposit from both my jobs and income tax every year. The ATM i used is XXXX XXXX and dont feel they have anything to do with this situation they were just the ATM used.
I opened an M & T EZChoice Checking account on XXXX XXXX, XXXX. M & T advertised a promotion that promised a {$150.00} bonus after a direct deposit of {$100.00}. I have met the conditions for the bonus and when I asked a customer service representative when the bonus would post, she told me that the promotion was targeted to particular persons and that my name was not on the list, so I would not be receiving the bonus. This is not true, the terms made no mention of this being a targeted promotion and I replied stating this. A second representative replied to me and she changed the story, saying that the account was opened in a region that was not eligible for the promotion. The terms also made no mention of this. M & T should honor the terms of the agreement that they made with the customer.
I was shopping around for lenders for a conventional mortgage loan. I did end up finding a more competitive interest rate with a credit union and after letting Waterstone Mortgage know of my decision ( nothing had been formally signed with them ), I was harassed and sent an extremely degrading and unprofessional email. XXXX XXXX ( The mortgage advisor that had been assisting me ) even called the listing agent to try and sabotage my purchase on the home! I do have the email on hand. Horrible way to treat a customer and extremely unprofessional.
I 'm recently divorced I 've been requesting a mortgage modification with the mortgage company Select Port Folio. they are in the process of reviewing the mortgage for the modification. I received a property foreclosure notice for XX/XX/2016 while my loan is under review..
A  Georgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is  showing on my credit repo rt. Tax Lien i s showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.
We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.
My Bank of America Visa XXXX was stolen and was used fraudulently three times at the XXXX XXXX in XXXX CA ( Store # XXXX ). I reported it immediately to Bank of America and so they cancelled the card right away. However, the fraudulent user was still able to use it and successfully charge three {$4000.00} charges at the XXXX XXXX for a total of {$12000.00} Bank of America told me that I was not responsible for the charges since I have " Fraud Protection '' on my credit card account. However, when I received my statement, there was a total of {$12000.00} charges on my account. 
I reported the theft incident to the XXXX Police department, and XXXX XXXX XXXX ( Badge # XXXX ) filed a police report and assigned it a Case No. XXXX. The XXXX police department is currently investigating the incident and I am waiting for the results of their investigations. 
In the meantime, Bank of America is requiring me to pay the {$12000.00} total fraudulent charges on my XXXX account. 
Please advise and let me know what steps I need to do in order to alleviate this responsibility of paying the fraudulent charges made on my XXXX card. 
Call or email me at XXXX / XXXXXXXXXXXX Please see attached bank statement history and letters from BofA, as well as the information on the police officer doing the investigation. 
Thank you for all your help. 
XXXX XXXX
A new hard inquiry was made on my Experian account for a XXXX card on XX/XX/2018. I did not authorize this. This is likely identity fraud as it is the second hard inquiry that I did not authorize in the past month on my credit reports.
I received a letter from XXXX XXXX dated XXXX XXXX 2017 attempting to collect a {$250.00} debt on behalf of BMO Harris Bank. Not only have I never done business with BMO Harris Bank in my life, but the letter is addressed to my middle name. I have not contacted XXXX XXXX, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
I have issue with bill they sending me to pay, i open {$300.00} prepay card in XX/XX/2014with citi bank and them after while i told them to close the account, use my prepay card to cover XXXX that was pending.however they didn't fix and my name is on file now and they still sending me a bill.
I have filed complaints with Experian about getting my credit report and Score and fixing anything that is not right on my credit report. 
I want my credit report and score so that I can see what is on it. 
My credit report should not have any thing negative on it.
The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.
TD Bank changed their policy to charge overdraft fees when pending transactions overdraw the account and do not allow customers to remedy the overdraft with the instantly availability created by a cash deposit, something every other bank allows. When questioned, customer service retorted that this was requested by customers. When pressed on the issue, customer service cleared out my inbox.
Hello, my name is XXXX XXXX I failed to pay my XXXX XXXX payment on XX/XX/XXXX due to financial issues and attempted to salvage the account by paying on XX/XX/XXXX on thursday XX/XX/XXXX I receive a notification that my payment did not go through. 
As soon as I receive the notification I paid the balance but XXXX XXXX reported my account. I take full responsibility for the missed payment on XX/XX/XXXX but my bank rejected my payment on XX/XX/XXXX which made my account 30 days late. I paid with the wrong bank account number and made the payment with the correct account as soon as I received the notification. I would really like to get this removed off of my credit report because I did not know the bank would reject the payment and I rectified the mistake as soon as I became aware of it.
I have made multiple calls to correct this action and XXXX XXXX ( XXXX ). They have refused to resolve this payment issue. I was yelled at, hung up on and management calls were never returned. 

This company made multiple harassing calls for debt collection on a regular basis on almost a daily basis. 

From XX/XX/2018 to present I have spoken to numerous people at all levels and now they have put me into collection for {$56.00} when I paid XXXX XXXX as agreed upon. They claim they can not find the check I find that hard to believe as the other checks were received at the same address. 

I want immediate correction to my credit report as the information provided to blemish my credit is not correct. This company is unprofessional and unreasonable and their lack of customer service is appalling.
Walmart sychrony credit card was not correctly applying my payments. As a result the payments was appearing as a short payment and late fees were added. Several late fees were applied causing the account to go over the limit and more fees was added. Now sychrony is asking for a payment of {$170.00} for a one month payment. I have made payments consistently but they were not being accurately applied to my account!
Hello there I discovered that a debt collection company, LVNV Funding LLC, had purchased an old debt from XXXX of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to Resurgent Capital Services in XX/XX/XXXX because LVNV Funding LLC had closed their business. 

The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. 

I had been dealing with XXXX and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by XXXX multiple times that it's been paid in full and closed. 

When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to XXXX, XXXX finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when XXXX sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all XXXX related accounts were closed since XXXX to XXXX. No new XXXX account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! 
I demand that your company and XXXX to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. 

I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against Resurgent and XXXX. 

A complaint was also filed with XXXX XXXX XXXX XXXX  on XX/XX/XXXX, against Resurgent and XXXX. 

I will proceed with lawsuit if Resurgent Capital Services and XXXX fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.
Blitt and Gaines represented they could take a settlement agreement for XXXX XXXX. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and XXXX XXXX has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.
My credit report shows a {$12000.00} dollar debt on an XXXX XXXX credit card. The account was closed in XXXX 2009. I believe this debt should not be on my credit report due to how old it is.
When my daughter and son-in-law refinanced their home on XXXX/XXXX/2012 Quicken Loans did not file a Release removing my name and my husbands from the deed on the house. We had cosigned on a prior mortgage but not on the one with Quicken. Subsequently, creditors we were unable to pay filed liens against the property. We are unable to pay the liens and this has caused my family to be unable to refinance or sell the property.
Good evening. 
On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck. 
Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me. 
I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet. 
My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not. 
B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice. 
C ) I should not be held liable for debts my ex has incurred since our separation. 
D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship. 
E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues.
Had a Citi Simplicity credit card. My HELOC company wrote check to PAYOFF balance. I sent in timely per bill. Checked online. Remaining balance was {$38.00}? Figured it was interest so I immediately paid it to XXXX it out. Online said XXXX. Days later a {$68.00} autopay came out of my bank. I called. Rep said it was a mistake and autopay now OFF because the balance was XXXX. I could wait for a refund or use the card to absorb the credit. Just checked. I was worried citi would continue to deduct XXXX because I had turned it off and it didnt stick. She said because it was XXXX balance no autopay would issue. Citi says I now owe XXXX by XX/XX/. So I called. The 1st rep said I was always 1 mo behind. Nonsensical. I paid the amount due each month. My credit would have suffered. My credit is good. And wasnt I on autopay? They were lying. He had no answer for how to reconcile that with a payoff of the entire balance. How do you pay off the entire balance of over {$2000.00} and then get a 1 mo behind issue? 2nd lady said I owed like $ 100+ more. But that does not explain 1. Why my balance was XXXX with my XXXX payment ( I paid the balance in full option online when I checked after my large payment posted ) and 2. The other rep saying autopay was a mistake and Id get a refund etc. Ive been defrauded out of at least {$76.00} because Im trying to close the account. I paid the {$8.00} today just to get the account closed to sever Citis ability to access MORE funds in my account. But I didnt owe any of it ( XXXX or XXXX ). The 2nd rep today said there were no notes from my discussion with the rep on Monday who said the XXXX autopay was a mistake. The lady today was clearly lying. Ive been a lawyer for 25 years. I didnt imagine my conversation earlier this week nor did I just randomly pay XXXX for no reason.
I have a netspend card. It had a balance of XXXX. I signed up for a trader online with XXXX. It never appeared on the trader website, but went o a firm called XXXX XXXX, whom I tried to reach by email and phone with no luck. I think they are scammers. I contacted netspend, but I did n't have much luck.
I made a payment over my phone in XX/XX/2018. The payment did not process correctly. XXXX Credit had an incorrect address ( since been corrected ) and their notifications of the failure to process did not get mailed to me. As a result, I continued to make payments as agreed and registered three ( 3 ) 30 -day lates. I would not have any late payment if XXXX 's phone ap had worked correctly. I would not have had lates in XXXX and XXXX if XXXX had had my correct address. 

XXXX XXXX XXXX
I have owned my home for 15 years and now face foreclosure auction on XXXX XXXX because my mortgage company Nationstar has not given me an opportunity to cure my missed payments. I missed payments because I was involved in a bad car accident that kept me in the hospital for months and out of work for a year and a half. Now that I have steady income coming in from XXXX and VA benefits I am in a place where I can make a fair payment but Nationstar has not been willing to consider me for a modification or restructured loan that would help me fix this problem. The company changed their name to Mr. Cooper and claims that they are a community based lender that wants to help. I am here to tell you that is not true. I am being overwhelmed with junk fees and legal fees and their agents have not been willing to help me get considered for a permanent option to save my home. This is very stressful and disconcerting. 

I refinanced my loan in XXXX XXXX right before the market crash with XXXX XXXX XXXX XXXX I later found out that the owner was indicted for mortgage fraud and this company went belly up so the loan was transferred to XXXX and then eventually went to Nationstar. At the time I was a XXXX XXXX at a XXXX XXXX ( had been in this line of work for 25 years ) and there were no financial issues. Then I was involved in a bad car accident in XXXX and ended up in the XXXX. I was XXXX for three months and then had 6 months of XXXX while dealing with the XXXX XXXX on my XXXX. I was essentially out of commission for 18 months and due to missing so much time my company let me go from my $ XXXX a year job. That was a tough time for me and I ended up defaulting on my mortgage. I am currently on XXXX XXXX and monitored by the VA doctors. I was eventually able to get approved for my XXXX XXXX and also my VA benefits and attempted to get back into good standing with my mortgage. 

However, Nationstars agents demanded that all past due payments be reinstated in order to save my home from foreclosure. I can make a fair payment but am not able to reinstate the loan. I feel that the loss mitigation department at Nationstar/Mr. Cooper has denied me access to government and internal programs that should be made available to me. I wanted some type of modification or restructured loan so that I can fix this problem, but their agents have claimed that there are no permanent options. I have been sending in payments in order to show good faith and Mr. Cooper has been accepting them, but at the same time they have set a foreclosure sale date of XX/XX/XXXX I believe this is known as dual tracking. I want and deserve a permanent option. I want and deserve an affordable plan and payment on my mortgage so that I can get out of foreclosure and have the comfort of knowing my house is not going to be taken from me.
They replied to my first complaint and removed the item, it is put backed on my credit file. XXXX
Wells Fargo reported me to XXXX XXXX XXXX and Im not sure why. It is affecting mr from getting a bank account
Search the Web Pull Down to Refresh Drafts MORTGAGE COMPLAINT XXXX to None XXXX Details I truly wish I knew what happened!! I 'm enclosing a statement of activity sent to me by XXXX and the list of my monthly payments dating back to XXXX 2014. 

I ca n't make heads or tails out of what they have concocked!! I REALLY CA N'T. SERIOUSLY!!!!! 

Resolve by Explaining these unfamiliar entries. Why are there LAWYER FEES? Why are there UNAPPLIED MORTGAGE PAYMENTS? Why are there other incidental FEES when this mortgage was paid EACH AND EVERY MONTH ON TIME AND HAS AGREED?
Equifax produces purposely obfuscatory, confusing and poorly formatted reports as an obvious means of frustrating consumers ' attempts to fix problems.
i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00},   XXXX   XXXX   for {$6600.00}, {$1400.00}. also, tele recovery for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$510.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
TransUnion is violating Section 609 ( a ) ( 1 ) ( A ) Accounts posted on my credit report without verifications of signed consumer contracts. 
UNDER FCRA, unverified accounts must be removed unless copies of verified proof is provided.