WillisBack/dataset-financial-user-claim huggingface dataset:
There is a collection account from XXXX XXXX XXXX on my credit repoorts for the original Creditor XXXX XXXX XXXX MED CTR. This bill was for my father of the same name, except he is XXXX and I am XXXX. His address was forwarded to my address when he passed so there has been a lot of confusion with his accounts being mine because of address and same name, etc. The account was in his social security number. I have asked for it to be removed from all my credit reports stating that it was not mine, and also with the credit collection company. They have not. I have also asked for documentation where they think it is mine and documents with my social security number. I have done this multiple times. They have failed to provide such information. I want it removed from my credit report immediately. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account information : Partial account number : XXXX or XXXX How appears on report - TRANSUNION AND XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX ORIGINAL LENDER - XXXX XXXX XXXX Med Ctr XXXX XXXX XXXX Med. Ctr ORIGINAL BALANCE - {$3300.00} {$3300.00} CURRENT BALANCE - {$3300.00} {$3300.00} STATUS - Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department DATE ASSIGNED - XXXX XXXX, 2011 XXXX XXXX, 2011 ACCOUNT NUMBER - XXXX XXXX ACCOUNT HOLDER - Individual Individual DESCRIPTION - Account information disputed by consumer
I just pulled my credit report thru XXXX XXXX and notice there was a collection for {$300.00} to a collection agency by the name of Focus Receivables Management for a XXXX XXXX acct. I`ve never had a XXXX XXXX acct and surely dont owe this company any money. 
The acct # XXXX XXXX XXXX XXXX, WHATEVER THAT SUPPOSE TO BE. 
And furthermore I was never notice by this company of any delinquency..
This is a hospital bill. Years ago the hospital put XXXX of my bills together and I have been paying on this bill. All of a sudden this added. bill appears.I have tried talking to them to no avail. When i contacted the hospital I was told they were not aware of this bill, and that I am not in arrears.
Purchased a household appliance. The financing was done through Synchrony financial, one year interest free. Paid much more that the minimum payment. Was not able to pay off in the 1 year time frame. Now I am told that I owe interest for the loan for the entire amount of the loan for a year, not just interest on the remaining balance. This was never indicated in any way to me. I will never do business with this group again.
XX/XX/XXXX Out of Area call XXXX I answered the phone and got a recording said that said legal action was taken against me and a process server would be coming to my house to serve me with legal papers. Then transferred me to XXXX XXXX. 
Mr. XXXX asked me to identify myself by verifying the last 4 of my SSN, then when I did he said I needed to pay today a bill for an HSBC credit card. I told him I'd never had an HSBC CC and he started yelling at me telling me " Do you expect that the company is just supposed to believe you since you say it isn't yours? Isn't that your SSN number? '' When I told him again I had never had an HSBC card he said then that it was bought by XXXX XXXX and I had paid {$48.00} a month back in XX/XX/XXXX. I again told him that I never had an HSBC card and he started yelling saying " We're done here, we're sending process servers to our house ''! I hung up
Wereas, XXXX XXXX XXXX, Ruasch sturm and The appointed Fiduciary XXXX XXXX XXXX received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XX/XX/XXXX, the appointed Fiduciary XXXX XXXX XXXX on or about the XX/XX/XXXX filed a Motion For Defualt judgment and on the XX/XX/XXXX was granted an oreder for judgment. on or about the XX/XX/XXXX i filed a Judicial Notice stating that, XXXX XXXX XXXX, Rausch sturm and the appointed Fiduciary XXXX XXXX XXXX failed to answer the notice of Dispute. 
Whereas, I XXXX XXXX never recieved a letter stating that they recieved the NOTICE OF DISPUTE and if they ever investigated the debt and or the conclusion of the investigations. 
Whereas, XXXX XXXX XXXX, Rausch Strum And the appointed FiduciaryXXXX XXXX XXXX, willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non - economic loss or injury We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS XXXX XXXX XXXX, XXXXausch Sturm And the appointed Fiduciary XXXX XXXX XXXX to pay on damages for non - economic loss or injury
I have filed several disputes with Experian regarding a Fraudulent mortgage account activity on my credit report. However, the account has continued to remain on my credit report. By someone calling in as the alleged mortgage company to Experian saying that the account is accurate almost a month later, when it is not. I have provided documents to Experian regarding this fraudulent account activity as well. I have even seen on my Online account with Experian where they had deleted my entire social Security number on my credit report. I'm not sure if the account I'm reviewing online or mail correspondence is even a true account of mines anymore. Because I have received mail correspondence from Experian with an account that contains a account verification number from Experian regarding a dispute. However, when I call and give the account number on the letter Experian does not have any record of the account number that was provided to me by Experian. Experian has my home listed as a resort and an Apartment building which is false, my address XXXX is a home that I own. I also have not been able to see my Credit Score on my online account as well in over a month, and I pay {$29.00} a month for Experian online service so I can review my credit report and score as often as I want. When I call Experian pertaining to inaccurate credit reporting information, I just seem to keep getting the runaround regarding these issues. I'm also a Victim of Identity theft. As well as Hackers, Spam callers, spoofing, Mail theft, and vanish email, and phone calls. Someone is trying to stealing my identity, because new accounts or incorrect information seen to keep popping up in my credit report every week.
Regarding : XXXX XXXX Consumer Line of Credit ( Acct. No. XXXX ) Experian is incorrectly and inconsistently reporting the XXXX XXXX payment for the above-mentioned account. 
The payment for XXXX XXXX is reported as follows : Paid and Late & gt ; 30 days and Current and Opened in XXXX XXXX and Opened in XXXX XXXX. 
An investigation was initiated in XXXX XXXX, by me, to correct this information ; however, Experian did not update and correct the report. 
The account should be reported as paid in XXXX XXXX, opened in XXXX XXXX and current. 
I have requested that Experian delete the XXXX XXXX payment information, in a written requested dated today, XXXX XXXX, XXXX.
Equifax, XXXX and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.
my previous complaint with c.f.p.b XXXX  against national credit systems responded to your department that they would delete this collection from all credit bureaus, and they have, however they are still reporting the same collection with a different account number to all credit bureaus which is XXXX (XXXX XXXX}.they need to remove the same disputed collection from all credit bureaus with this account number XXXX. they also must inform your department that this account number will also be deleted since its the same fraudulent collection as before falsely reported.
I had a checking and savings account with bank of America. Between the dates of XX/XX/XXXX-XX/XX/XXXX, I sent several money transfers using XXXX that never got to their intended accounts. I have all the verification codes and emails as proof. When I brought this to bank of Americas attention they said they couldn't track the missing money, told me it was sent successfully than terminated my account.
I recently had a credit card charge declined ( credit card company Chase ) and contacted customer service for the credit card company for an explanation. As part of their security questioning to ensure that I was the cardholder, they asked me specific security questions which involved verification of information I had never disclosed to them in the past. For example, in XXXX question ( which had multiple choice answers ), I was given choices for the " height '' that is listed in my driver 's license number. For another question, I was given choices for the " profession '' in which I hold a professional license. While I understand that this information is available in the public domain, I find it unethical and disturbing that the credit card company is " mining '' this information from the public domain and connecting this information to my account. I am happy to answer security questions for which I have provided the " security answers '' previously, but it is absolutely WRONG that this credit card company ( or perhaps they all do it! ) is allowed to use information I have never given them for security verification purposes. Given the frequency of data breaches in the modern world, having this additional personal information connected to a credit card account gives hackers even more information to be able to steal identities and commit fraud.
Fair Collections & Outsourcing , Inc. is reporting a debt to XXXX and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XX/XX/XXXX. The apartment was sublet XX/XX/XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to Fair Collections & Outsourcing , Inc. Who has reported this to XXXX and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with Fair Collection. I 've made several attempts with Fair Collection to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. FCO address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX.
I accidentally clicked pay entire balance from my USAA bank app on phone from my other banks linked account. I immediately realized my error and called credit card company and they said it was too late contact paying bank. I called them and they said come to bank. I immediately went to bank and they charged XXXX dollars for a stop payment on transfer which I gladly paid. Two days later transfer went through. Causing XXXX overdraft. Bank said there was nothing they could do. Credit card company said there was nothing they could do. Now Im accumulating overdrafts with both parties saying theres nothing they can do and my stop payment XXXX fee will not be refunded either because they say theres nothing they can do. Im stuck in cyberspace nightmare because of my fat fingers paying a bill on my phone. Can somebody please help me? Thank you!
On XXXX XXXX, Fidelity Direct inquired about my credit with out authorization. <P/>I need this inquiry removed from all three credit agency reporting systems. <P/>Again, this inquiry was not authorized. I also, want a letter of deletion sent to me for my future records. <P/>Fidelity Direct Mortgage via XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Permissible Purpose : Credit Transaction Requested on : XX/XX/2017
About three days ago a XXXX XXXX, Called me from California Department of legal services was what he left on my cell phone message he also called me at worked and has called my mother! When I talked to him he said he was calling from integrated recovery services about a loan I took out XX/XX/2016 he said if I didnt pay ASAP he was taking me to court that I need to pay {$2100.00}, I said do a payment plan I just lost my home do to the fire we had in California, he didnt want to give me a license number to the company he also only wanted a XXXX  or XXXX! He harasses me when he Calls I just want to know that company is ligit!! The number he calls from is XXXX my account number is XXXX. Today I went to XXXX XXXX XXXX and they gave me a # to call there close. I need help please
The bank charged towards my checking account two inquire fees, that was not correct. These fees are for {$2.00} each, and are stated as balance inquire fees from a XXXX XXXX XXXX  in XXXX, Wisconsin XXXX XXXX XXXX XXXX These inquire fees are listed on me account statement : XX/XX/2017. There are 9 total statements going up, they 've posted a - XXXX balance at the top of my account statement, as I attempted too resolve this matter w/ the rep 's at the bank, they agreed to reverse the fees that I originally wanted to dispute w/ the correct department, but I was not successful. This then posted a balance of XXXX in my checking account. I figure that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin should have had a fee that would have been posted and was not present on this particular statement. From my experience these representatives at the Wells Fargo bank reversed the fee that they originally assessed towards my account and from the - {$3.00} to a XXXX. is what you 'll see.
My new car ( less than XXXX car payments were made ) was deemed un-repairable due to damages it sustained in XXXX XXXX. It is financed through Well Fargo Dealer Services. My insurance company is handling the claim and waiting on them to issue the Letter of Guarantee since XXXX/XXXX/16 so they can issue them payment. The collections guy, XXXX, was screaming at me when I tried to explain this. He said I was " changing the subject '' and that I should n't be avoiding paying my bills. I said I was n't, that it will be paid in full once they release the document to my insurance company. He then continued to yell and talk over me and scream at me that I should n't be getting a new car until this XXXX is dealt with. My insurance company has been trying to pay them since XXXX/XXXX/16, 5 days after it was totaled. But Wells Fargo is holding up the process. XXXX was so nasty saying things like, " Does n't your insurance company give you a rental? ", etc. This may be true but it is none of his concern. I had to hang up on him as he would n't let me speak and when he would he 'd scream at me and all I wanted to do was advise him that payment is pending if they release the letter of guarantee.
I received a Hardest Hit Fund Principal Reduction Permanent Loan Modification after being in a trial loan modification in XXXX XXXX through XXXX XXXX. The permanent loan modification was mailed to my house via XXXX on XXXX XXXX, XXXX and requested that the documents be reviewed and sent back by XXXX XXXX, XXXX. The documents required a notary as well. My health has been delicate over the last few years due to a medical hardship and sometimes my memory fades. I inadvertently lost the paperwork that I wanted to give to my attorney to review as well a notary. I requested that Bank of America send another loan modification package to me but they refused. Bank of America mailed me a letter dated XXXX XXXX, XXXX advising me that I was no longer in consideration for a loan modification because I did n't return the permanent modification documents. I appealed the decision but Bank of America denied me the appeal. During this time, I 've made every scheduled mortgage payment and Bank of America recently returned my XXXX XXXX payment and put my property in foreclosure.
In XXXX/XXXX/XXXX I received a letter from Midland XXXX XXXX stating they had made several attempts to contact me and they were in the process of suing me. The letter also states " this may be your last chance to work with us before the account goes to an attorney. The amount on the accounts were {$5300.00} and {$2700.00}. In XXXX/XXXX/XXXX I called the company and they directed me to an attorney 's office in AL to handle the payments. Called the attorney company and made a agreement to Pay to Delete since I 'm shopping for a home loan. XXXX/XXXX/XXXX made the payments and both I and the agent and XXXX agreed to {$1400.00} and {$2700.00} to have the collection settled and deleted. In XXXX, XXXX I called to ask them why has n't it been removed from being reported and they told me give us XXXX days and it will be removed. In XXXX, XXXX I had my credit pulled thinking I gave them enough time to remove the information from my credit report to only find out it 's still up there. I record all my telephone calls to the CA and attorney office. I just want this to be fixed so I can buy a home for my family. Due to my sons being XXXX we have to modify our home.
Apparently XXXX sold my payday loan to XXXX XXXX XXXX who hired XXXX XXXX XXXX. XXXX XXXX keeps blaming everyone else. They are calling all my employees constantly, my Dads ex wife, calling my store telling them I have a legal issue with an unpaid debt and I'm about to face legal action and they are giving XXXX XXXX name, number XXXX and my case number XXXX. I called them and they said I have a wage garnishment, I looked it up and it's not there. They payday loan is for {$600.00} & they said I owe {$4800.00}. I have not been contacted till now, this is from 2015. I do not know if this is legit and company can not answer my questions. They keep threatening me with legal proceedings.
My student loan is handled by XXXX of Texas. My XXXX XXXX is been garnished and also IRS has sent them, XXXX of my taxes. I filed this from XXXX in full these was added to XXXX. No one can tell about these monies. My balance of my student loans are XXXX. In other words I have over paid them. And I need a letter from XXXX. XXXX. of XXXX letting me out this default loan. Seems I am paying two companies. Which I can not afford.
experian reporting a judgement on my credit report this judgement was vacated please remove this asap.
I believe my credit card was used with out my permission. I have never used my credit card. There are over 25k in charges that I did not make. I do not want my card closed however. I just want the charges erased from my balance sheet.
Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly.The Tax Lien reported is outdated. The information has been withdrawn last XXXX XXXX due to insufficient information particularly my personal info which I verified with the court. This company 's records are definitely outdated and I do not understand how the can report that the items have been investigated. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
I have a feeling it has to do whit my current id theft case although they refuse to disclose and continue to harass me at my workplace
Two judgements from XXXX XXXX XXXX is being reported on my credit report. Both have been vacated as they were filed under my name when they belong to a spouse. Due to the company being unable to touch my spouse while on military XXXX they charged these accounts to me. They have both been satisfied and vacated however they still show on my credit report. These do not belong to me. The lease in question was signed without my consent and is not my signature. Please remove these vacated judgements. They were only granted because I was not aware of the proceedings against me as they sent all correspondence to my former spouse.
The Company PHOENIX FINANCIAL SERVICE has been calling my job and my personal cell phone repeatedly. I have advised them NUMEROUS of times that the medical bills that they are saying that I owed was already PAID for by my MEDICAID ( even provided my Medicaid ID number ). I also have evidence from the three Credit Bureaus that this was paid and already taken from off of my credit reports. Its for {$1200.00} and {$34.00}. I have sent letters repeatedly showing them that it was taken care of and paid for by Medicaid. Today I got a notice that they added this back to my Credit which made my score dropped nearly 100 points. They are stating that they are also Lawyers and laughing when I am telling them that I have proof this is paid for. I work for a XXXX XXXX and would like to take legal action if this is not removed from report and that they also need to stop calling me a harassing me. I am at work right now, but I will upload and send in all proof that this was taken care of no later than tomorrow. 

This is the Companies Information PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX XXXX '
I went to the dealership, XXXX XXXX, terms of the loan were for XXXX for 5 years at approx 10 % interest with one bank, for a XXXX XXXX XXXX XXXX, payments of around {$260.00} a month. I believe it was XXXX ( I have the terms in hard copy somewhere, just need to dig them up, which is why they are not attached now ), with the dealer paying off the remaining balance we owed with Santander Consumer USA on our XXXX XXXX XXXX XXXX XXXX. Santander kept calling me for approx 2 weeks after the deal was closed. I called the dealership to ask why the old bank had not been paid off, they said I needed to come in and talk in person. When I went in, I was told TWO WEEKS AFTER THE DEAL WAS DONE that XXXX had denied my credit application, and that I was being placed with Santander, at an interest rate of 19.5 %, pushing my payments form {$260.00} to {$310.00}, a {$45.00} difference. At the time I was working and healthy, which was back in XX/XX/2013, but now I am sick, in and out of work on disability, and have had the vehicle repossessed once already after coming back to work from XXXX XXXX XXXX. A {$45.00} bump in the payment each month is catastrophic, plus Santander keeps saying there is nothing they can do for me.
I received a letter from Ocwen Loan Servicing transferring my mortgage to XXXX, XXXX. I called Ocwen and they told me payment through their website would still work so I made XXXX 2016 payment through their website. I checked my bank and did not see a payment. I went to Ocwen website and did not see the payment. I called Ocwen and they were eager to refer me to the new servicer at XXXX. The Ocwen customer service agent either lied or was ignorant about being able to pay through their website. Then when I called to inquire, the Ocwen customer service agent hung up on me when she was unwilling to help. Very unsettling knowing people like this is handling my loan.