WillisBack/dataset-financial-user-claim huggingface dataset:
I wanted to check my credit so I logged into Experian. It asked if I wanted to pay XXXX for my FICO score. I check yes. My score was perfect so I logged out. Somewhere along the line they say I signed up for some type of service with them and they billed me XXXX later. 
I did not authorize this nor did I see anything that said I was incurring this charge. I called and was told too late they had already processed the charge and could not reverse it. 
To charge someones credit card they need to make it plain to the consumer that they are being charged and should require a box to be checked authorizing the payment. 
I am a XXXX and resent being what I call tricked into a fee for something I do not want or need.
I received a letter from Convergent ( which I assume is a debt collector ) they are trying to collect on someones XXXX Credit account, but its not mine. I do n't even have a XXXX account. The letter does not tell me much just that it 's a XXXX credit account.
Calls 5 tines a day about a medical bill. I finally thought of them stop calling and mail me the bill and I will pay in full on Friday. They agreed to send m can ge bill ( which I still havent received ) but said they wont stop calls me me. 
Its irritated my. Theyve called 5 times already today and will call 5 more.
my new telephone number is XXXX and equifax refuses to update it and creditors have denied me based off the inaccurate fraud number they have i can not provide a phone bill because i have a prepaid account with no bill. my ssn XXXX dob XXXX/XXXX/1976 address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX I NEED MY NEW NUMBER LISTED ABOVE UPDATED ASAP
My name is XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX, RI XXXX my loan number is XXXX back in XXXX I start an assumption with Nationstar. and then Mr. Cooper took over my loan. I have been divorced and have resided in the home since my divorce in XXXX. My x moved out in XXXX My X XXXX has not paid one cent into the home. In the last several years I have paid off all our debit including a HELOC loan that we both took out. I took XXXX back to court and he signed a quit claim deed and it is court ordered that I remove his name from the mortgage by XX/XX/XXXX. I was told by Mr. Cooper in XX/XX/XXXX that I would have to start an assumption process again. In XXXX I was sent to the wrong department and then realized it wasn't the Assumption Department. I have paid all my and XXXX debt to assume the home, even paying a HELOC loan off so that I can assume the home. I've been working with several staff members and have spoken to at least 20 people ( have every name at home ) and after months of supplying Mr. Cooper will all documentation I was denied the assumption due to debt to ratio. I was told I cant afford the payment on the home the very Home Ive been paying it for 10 yearsI last spoke with a XXXX XXXX an employee of Mr. Cooper I wanted to know the following. I am receiving money from my retirement on a montly basis for the rest of my life starting in XXXX of this year which will increase my pay and trade in my car for a loan of {$200.00} instead of {$450.00} lease which is now, can I get the assumption. These two things will take me way under the debt to ratio. the answer to me was they could not make a decision until I apply again. This is detrimental to me, if I do not get this assumption I will have to sell my home, the very home that I have been paying the mortgage on for the last 10 years. I also, don't want to change my vehicle only to be told that I still cant get the assumption. How can they tell me I cant afford it when Ive been affording it for 10 years. I will have to move. As this is going on interst rates are rising. Can you understand how life changing this is. I am asking that you review my file. My phone number is XXXX email XXXX. 

Thanking you in advance XXXX XXXX, XXXX Account Manager XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX XXXX : XXXX XXXX Fax : XXXX The best compliment anyone can give me is a Referral.
After the Equifax breach, I was informed by their own site that a vast amount of my personal private information was released in the breach. Their mishandling of my information puts me at risk for identity theft and at the very least I want to be able to freeze my credit before a problem occurs, rather than after a problem occurs when I would have a police report.
Bank of America sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

XXXX  investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact Bank if America is late sending me a check for an over payment.
XXXX has been attempting for over two years to collect for an iPhone that I had " refused shipment on and they sent me an email that they had received the iPhone back in their factory. Yet for over two years XXXX has turned over to XXXX separate debt collection agencies, first in XXXX/XXXX/XXXX, XXXX XXXX collection agency for XXXX Account, then in XXXX/XXXX/XXXX IC Systems in XXXX XXXX, MN. In XXXX I faxed an XXXX explanation to XXXX yet one year later they have turned it over to another collection agency in MN. This constitutes harassment and I ask that you stop them.
We actually have 2 accounts with this company since the largest is medical I am filing this under medical. I will file the other one on its own. The doctor office changed the insurance on 3 of our 4 family members. It overlooked doing so on my daughter. When we discovered the issue. We provided the current medical information multiple times, but it was never fixed. This in part was caused by me having a XXXX and struggling to communicate, but I did give them the new card. 

The bill was refereed to XXXX XXXX XXXX in Colorado XXXX CO. Here is their contact information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. The insurance company offered to pay us if we paid the contracted amount due to the medical provider. XXXX XXXX XXXX rejected this idea wanting the higher amount due uninsured people rather than those covered by public assistance as our children are since they receive Social Security survivor benefits as well as private insurance. They also where demanding interest on the higher amount. In effect, they where seeking extra profit they where not legally entitled to receive. 

Instead of negotiating in good faith they choose to serve my Dad with legal papers informing him of the debt, that they where suing us, and revealing confidential medical information about our daughter. They would appear to have violated the Fair Credit Act and HIPPA in providing these written documents to my father. They had previously threatened to sue me personally but serving my father with documents related to a suite against my wife is outrageous. They informed the court they served me, but my time cards show I was at work at the time. They clearly served my dad.
I was making a purchase at the XXXX at around XXXX only to see my debit card was declined. I called my bank ( Bank of America ) to find out what was wrong only to discover the account was closed and they told me to call their risk department. The risk department were extremely rude!. They did n't let me speak and they could not give me a valid reason or good enough reason as to why they were closing my account just before hanging up on me. Prior to this incident i did not receive any phone call or letter in the mail or any kind of notice to inform me about them closing my account or even a warning that they are closing my account. The letter they sent me was dated on XXXX XXXX 2016 and the account was closed without my knowledge on XXXX XXXX 2016. The letter came in the mail on XXXX XXXX friday 2016. I have never been treated so unfairly and disrespectfully by a financial institution in the whole of america. Bank of america has to be the worse banking experience i have had. I had to XXXX my situation only to find out similar situations of them closing other people 's account with no valid reason, that 's how i came across the information for the Bureau of Consumer Financial Protection.
XXXX bill that is not mine I never lived in NJ nor had a XXXX bill In my name
Diversified Consultants, Inc. ( DCI ) has again reported an account that they promised they would delete from my credit report ( see attached letter ). 

Please reference complaint # XXXX. 


On XX/XX/2017, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/2017 I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )
On XX/XX/XXXX I came to a dealer of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I purchased a car for {$27000.00} a XXXX XXXX serial no. XXXX. After signing the installment contract at XXXX XXXX the very next day which would be XX/XX/XXXX I came into the dealer to exercise my right to rescind the contract within XXXX hours of the signing this contract after I noticed that the dealer and the co-conspirator XXXX Financial Services committed appraisal fraud. During XX/XX/XXXX I came into the dealer to speak to the finance manager and informed him that I was exercising my right to rescind the loan he informed me that I could not rescind the loan because it was funded. I then insisted that the law was clear that regardless of the funding I had XXXX hours by state law to rescind the contract they then started harassing me regarding rescinding the contract and the deal and to prove that they were wrong I went to XXXX and got an appraisal on the car that they sold me and the appraisal offer was {$14000.00}. I am victim of predatory lending, appraisal fraud and a victim of being denied my right to rescind a contract within the XXXX hours that the law provides. The refused to follow the laws that are in place to protect consumers. As a consumer I have the right to rescind the contract and also when I spoke to XXXX XXXX XXXX he informed me that that right was not available to me because the loan was funded. I then informed him that that was a violation of the law, and he ignored my request to contact management regarding the appraisal fraud and the right to rescind. I will be providing a copy of the installment contract, the retail buyers order and a copy of the XXXX Appraisal. I also contacted XXXX financial services, and the letter dated XX/XX/XXXX they basically said they took an assignment of the contract and that is completely wrong because they funded the loan and they would not provide me a copy of the appraisal or the loan value guidelines to fund this loan. What I have here is a dealer that is violating the law and victimizing consumers and its coconspirator XXXX Financial Services engaging in this type of consumer victimization. In their correspondence they provided me a summary of the XXXX Used Car Guide regarding the XXXX XXXX adjustment values, that report on the bottom it said appraised value item XXXX in other words they went to a website and printed a value sheet and attached it to the correspondence sheet.
CENTRL FINCL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX, XXXX, CA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRL FINCL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRL FINCL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
On my credit report, it states I was 30-59 days late on a payment for XXXX of 2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you
I filed a complaint " Qualified Written Request '' on XXXX/XXXX/2015 and received no response what so ever. Not even an acknowledgement of receipt from Citi Mortgage in reference to my escrow account and the illegal holding of my mortgage payment As per fax receipts all papers where received at the number given to me by Citi XXXX. supervisor. 
Please see attached documents for entire explanation.
On   XXXX   XXXX   2017   I pur chase a seat upgrade for me and my husband to add on the the flight that he purchased for us to tr avel to Puerto Rico. O n the date of Travel in  XXXX  the airlines advised that the aircraft we were flying on did not have the big front seats and in fact our seats would not even be together. I spoke with a gate agent once the first part of our flight landed and was issued a refund for the fir st 2  upgraded seats that I purchased. On the return flight I was rushed on the plane and advised there was nothing the airlines could do to assist my husband and I. As a last resort  on   XXXX   XXXX  2017  I  filed a dispute for a charge to my credit card from  XXXX   XXXX . I received a call from an agent to investigate, before I could even explain the reason for my dispute the young man had already established that I had already received a service. He was very rude and could not understand what I was saying and constantly cut me off. I asked several times to be transferred to someone else and he flat out refused and told me my dispute would be closed. I submitted a receipt to document my dispute on    XXXX   2017 a  nd it was completely ignored. I received a letter dated    XXXX   XXXX  , ( th e date of the call ) saying my dispute has been cancelled, without even viewing my receipt. My dispute was for the remaining  XXXX  for seat upgrades that the airline did not give to me and my husband. MY DISPUTE IS NOT FOR A AIRLINE TICKET, I purchased a ticket and I was allowed a seat on the plane, what I was denied was the big front seats that I paid  XXXX  $ for me and my husband.
Chase  closed ALL my credit cards ( tota l 3 ) . The only rationale they have given is " compliance ''.  <P/> Closing my accounts will result a lowered  credit score , despite my effort to resolve this issue, Chase has refused to work with me. I held a security clearance and my background was scrutinized by the department of defense. All my income are verifiable via  XXXX  or  XXXX . Every purchase is explainable. There should be no reason that I am offending any of their " compliance '' regulations.  <P/> They closed all my accounts  X/XX/2017
Have tried to contact the company several times to validate debt. Have been very unsuccessful. I do not have a contract between myself and XXXX XXXX. I do not owe them anything.
I have been getting continuous communication from XXXX XXXX XXXX for a debt I do not owe. They are trying place a judgment against me for XXXX  XXXX XXXX card that I do not owe money on. Ive contacted XXXX XXXX XXXX and spoken with several individuals including the manager. I have a XXXX balance and the account is so old that all information has been purged from their system. I received a judgment from XXXX XXXX in 2017. Court date was scheduled and because the plaintiff failed to appear ( XXXX  XXXX  XXXX ) they dismissed the case. I now receive another letter from XXXX XXXX XXXX XXXX for another judgment.
Hello, I have contacted Transunion several times about the non- factual inquires located on my credit report. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also Transunion has had several glitches which is where the mix up with these accounts came from being on my credit report. aS YOU WILL SEE MOST OF THESE ARE DUPLICATES. REMOVE ASAP Please contact the companies below and investigate such occurrence. Also, the accounts listed have also been deleted by Other Credit agencies, please follow suite and delete these immediately. 

As part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete these non-factual records off my account immediately. 
ACCT NAME INQUIRY DATE XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Hello My Name is XXXX XXXX, I bought a used car XXXX XXXX on XX/XX/XXXX from a XXXX dealer called XXXX XXXX XXXX, address : XXXX XXXX XXXX, XXXX, IL XXXX. 

I checked the car ( XXXX XXXX ) outside the dealer and it had lot of issues and tried to return it by the first month but the dealer convinced me that they will do a huge discount on it, thats why my loan started after 6 months since I bought it as compliment from the dealer to me, but later on I was behind for one time and the car was broken, I fixed it and paid more money so I was late gain in my payment one more time but not consecutive, I went back to their web site as I used to pay the payment that I missed I could n't find the car account on the website, I called them they said they want to take the car because they are doubting my ability to pay and they will put it into auction. I called them again and again to take the money for it and every time they say ok we will tell you how much exactly since we don ; t have the full payment on it because other dep. involved in it since I 'm paying for another one from the same dealer and have no issues with it. 

later on I was out using it and I could n't find it, they towed it without my notice at a private area XXXX in XXXX XXXX, and moved it to the auction without my consent and sold it for pennies, I was owing XXXX on it since the dealer scammed me and did n't lower the price a penny, now I do n't know how after they sold it without even calling me or send me any mail or email I still owe them $ XXXX. 

I found them made a charges on my credit file while they did n't contact me by any mean, I have been trying to call the creditor that on my credit report file but they have a wrong phone number for a summer camping resort! I called the dealer that this is wrong and I 'm welling to delete it and pay installments but unfortunately every time I call the dealer they transfer me and they hang up on me. 

creditor data as on my credit file from credit wise ( screen shot ) to prove is attached by wrong number
I was contacted once on XXXX/XXXX/XXXX by Diversified Collections Inc about a debt of {$98.00} that I do not owe. Supposedly the company that they told me i owed the debt was XXXX XXXX. I cancelled my account with XXXX on XXXX/XXXX/XXXX and they still billed me for XXXX XXXX which i paid on XXXX/XXXX/XXXX for {$31.00} I have called XXXX and they have not replied to my phone calls. I have already overpaid them {$31.00} for XXXX service they billed me which I didnt have. I need this to be taken further and taken off my credit report. -- Thank you very much-
I purchase this property thirty-four and half years ago. In XX/XX/XXXX I refinance for {$200000.00} we had the finance crisis in XX/XX/XXXX and I got behind with my mortgage payment. I working with an organization for a loan modification under the HAMP program. In XX/XX/XXXX I was approve and there was a deferred payment of {$190000.00}. I have learn that this amount had a lot of fees that should not have been included in the deferred amount. The loan is with Ocwen Servicing LLC loan number # XXXX the property is located at XXXX XXXX XXXX XXXX Ma XXXX.
I relocated from XXXX to XXXX for better employment. I was at my new employment for 13 months before being let go. I then had to relocate a XXXX time, living with my parents for 5 months while seeking new employment. I relocated a XXXX time after obtaining new employment. The whole time, I continued to pay the mortgage on the home from my savings, credit cards and help from parents until I exhausted all my available funds. I also had the home listed for sale for two years. 
In XX/XX/2014 I sought the assistance of a HUD counseling agency to assist me in exploring the avenue of a deed in lieu of foreclosure. We have diligently contacted the bank with no success in obtaining a clear process for it. Now they have foreclosed on the home and made me responsible for the deficiency. I am at the mercy of a bank that refuses to work with me to rectify the situation to mutual satisfaction.
I HAVE NO KNOWLEDGE OF THIS DEBT, RECENTLY I STARTED LOOKING INTO MY BILLS, AND DEBTS, I CAME ACROSS A JUDGEMENT PLACED ON MY CREDIT REPORT FROM A COMPANY CALLED XXXX XXXX. THIS WAS ODD TO ME AS I HAVE NEVER LOVED AT SAID ADDRESS. I AM AN XXXX XXXX XXXX VETERAN XXXX XXXX THE JUDGEMENT IS FOR OVER 6000.00. I AM ASKING THEM TO VALIDATE THIS DEBT, SHOW PROOF I WAS NOTIFIED OF THIS. SHOW I WAS PROPERLY SERVED. SHOW AND VALIDATE MY SIGNATURE. I AM ASKING THEM BECAUSE THIS IS CAUSING ME TO NOT BE ABLE TO FIND AQUEDATE HOUSING I CAN NOT RENT A HOME, I CAN NOT APPLY FOR A HOMES, AS THIS IS SHOWING AS A DEBT A JUDGEMENT A EVICTION, ON LEXUS NEXIS REPORT. I CAN NOT AFFORD TO PAY FOR THIS DEBT THAT IS NOT MINE. THIS IS UNFAIR A UNJUST. 
consumer number # XXXX