WillisBack/dataset-financial-user-claim huggingface dataset:
I closed my account with XXXX and in my conversation on the phone I asked if this was the last payment I owed. They responded yes and I promptly paid my last bill. XXXX then stated that I needed to send their equipment back to them or I would be charged. They wanted me to get on my roof to take off a part of the actual XXXX. I told them I was physically unable at the time to get on my roof. I promptly returned the rest of their equipment and I paid the shipping costs. A few weeks later XXXX contacted me and said they made an error in billing and that I stilled owed them {$100.00}. I told them my account was closed and to listen to the recorded conversation that I had with their last customer XXXX To this day they contend that I still owe them which I do not. I have contested this fact from the beginning and I REFUSE to pay this bill. Please help in getting this removed from my report.
Someone use my Prepaid Card. I ask the bank to put the credit back on my prepaid card. the transaction is on : XXXX/XXXX/2015 for {$43.00}. it is for pageplus cellular. I told them I do not do this.
On Equifax credit report, there is a credit inquiry made by XXXX XXXX on XX/XX/18. I never contacted this company for any kind of services. I have called XXXX XXXX, they said that they don't have any accounts opened in my name, so they are not able to further look into this matter. 

I have made a dispute with Equifax on XX/XX/18. After the investigation, they said that " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NE XXXX ''. 

The current situation is, Equifax is pointing to XXXX XXXX, and XXXX XXXX says that they don't have any open account in my name, so they are not able to investigate further. 

I am not sure how XXXX XXXX got my SSN and authorization to have a credit check. 

I am stuck in a situation without any proper closure for this issue.
In XX/XX/XXXX, I decided to put my mortgage payment of $ XXXX/mo, property taxes of $ XXXX/yr, and flood insurance of $ XXXX/yr into an escrow account with my mortgage company in order to spread out payments into small monthly amounts. At about the same time, I discovered flood insurance ( XXXX XXXX XXXX. ) for {$520.00} the first year and {$320.00} from then on. I switched from the {$1600.00} to the {$520.00} policy immediately. Bank of America then let me know that they needed to have the flood insurance paid in advance for the year and they also shanghied my home insurance by paying it off. This gave them control. This did not help me spread out payment over 12 months and they expected me to pay {$620.00} for flood insurance from some company they preferred. I said, Stop! I do not want your escrow. It does not help me, costs more and I would loose control of my finances. Go away!
They pretended to hear none of this and continued with an escrow account that I did not want. Worst of all they expected me to pay for 2 flood policies. Is n't that illegal? By XX/XX/XXXX, they handed my case to collections to harass me. Every time I called them to explain that I never approved any of this, some voice would assure me that it was being changed back. Do n't worry. I 'll take care of it, they would say.
It is now XXXX  and they are still trying to extort money from me that I do not owe and can not pay. I am XXXX and living on Social Security. These amounts may seem small but for me they are huge. These amounts are not in my budget and I can not pay they. Bank of America is a heartless monster that lies, cheats and steals to make a nickel. I never was told what they were doing and they never asked my permission. They are just bullies that have no respect for clients or the law. NEVER do business with BoA. They offer credit cards, mortgages, etc so they can trash you and take all of your money. Seriously, they are quite dangerous. Run away from Bank of America!!!
So I recently became ill in XXXX of 2015 and I was not able to keep track of my finances and when I came back I was hit with a {$450.00} fee and a closure of the checking account.these were racking up and to my dismay I was not even able to waive these fees due to my health circumstances.
I moved out of my old apartment in  XXXX   2015  but in  XXXX     2015  a co llection company named CBE Group said I owed {$86.00} for my utility bill. I contacted my old apartment manager who emailed me proof of my final payment for rent and utilities. In fact, I was mailed a refund from my initial security deposit and she said I owed nothing. I forwarded a copy of that statement to CBE and for the last two years have considered the matter closed. But in the last month or so, I 've been receiving call after call to ding me for the same debt. I also received a printed bill from them in the mail but returned it with a note demanding that they stop harassing me. I hope you can get CBE Group off my back once and for all.
HelloI am seeking help with a debt collector calling from the phone number of XXXX, that is constantly calling my place of employment. I am not allowed to receive personal calls unless it is a life or death matter. They are now asking for my supervisors since I am not able to take the calls. Please tell me what I can do, I am very afraid that they will cause me to lose my position here. This is truly harassing and should not be done to no XXXX at their place of employment. 

Thank You.
On XXXX, XXXX, I received a credit alert regarding an unpaid medical balance for alleged services received at the XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX. I have never visited the XXXX XXXX XXXX XXXX facility for any type of services. I made several attempts to clarify that this information is erroneous, inaccurate, and false, and that this debt do not belong to me. Unfortunately, Central Financial Control, the collecting agency reported my name as delinquent to several credit Report Agencies with further potential damages to my credit. The information provided to these Credit Report Agencies is invalid, inaccurate, and false.
i have multiple credit inquiry i never initiated and as a victim of identity theft, i had a fraud alert placed on my credit report which requires 1. i give a written consent before my credit is pulled. 
2. i be called before my credit is pulled. 
3. credit report should stay as much a 6 months, but we also have 11 Pulls within a 1 month span from an individual company ( XXXX ), XXXX XXXX pulls within a week span. 

none of the above fraud prevention measures were followed according to FTC rules, attaching fraudulent pulls below and should be investigated and deleted Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/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 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 i have attached 2 police reports from City of XXXX & XXXX XXXX to further make the case that this is a result of identity theft and upon failure to delete these, i would have o choice but to proceeding with legal actio against Transunion XXXX already deleted these as a result and so has XXXX. 

thanks XXXX XXXX
In XX/XX/2018 I received {$2800.00} via XXXX for a transaction that I was asked to withdraw the money and buy bitcoins for a third person. I received the money and did everything that I was supposed to do, before it I asked my account manager if XXXX was trustworthy and she said yes, once the money is in your account. 

In XX/XX/2018 the same amount was debited from my bank account because the company which did the XXXX transfer opened a claim. 

In the meantime I was not reached from the bank or XXXX to contest the claim, they just took the money from my account. 

My manager contacted the claim department of Bank of America and they said that they can not do anything. 

I contacted then and they said to me that I have to do a law enforcement. I did an IC3 in the same day.
I need your assistance in helping me to get this Amsher Collection account remove from my XXXX Credit Report. This account is not mine. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified XXXX along with Amsher Collections.
I recently checked my credit and I discovered that this company has reported that I owe them and I have never received services nor goods from them.
Provided written documentation to debt collector and spoke with them on the phone regarding the accounting issues with the business they represent. The written documentation shows a clear history of payments being sent and received by the business from me. Debt collector is attempting to further pursue the collection effort without acknowledging the provided documentation and they are attempting to add {$250.00} to the amount being disputed.
My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.
On XX/XX/XXXX I made a principal reduction payment in the amount of {$200000.00} to my mortgage being serviced by PHH. An initial letter received from PHH indicated that my new monthly payment would adjust to the lower amount with the XX/XX/XXXX payment. However, on a bout XX/XX/XXXX a representative from PHH stated orally by telephone that my monthly payment would be adjusted to the lower amount for XX/XX/XXXX if my principal reduction payment was received before XX/XX/XXXX. It is outrageous that PHH is allowed to hold my funds for 75 days before affecting my monthly payments and overcharging related interest.
Bank of America has imposed a litigation management fee for no reason. The fee is {$1000.00}. The fee has no explanation, no notice. I never received any notice that a fee was being imposed and question whether this was a fee imposed as a result of my MANY complaints filed against Bank of America. I called and spoke with a customer rep who informed me that she believed this was a XXXX fee but couldnt explain. I do not pay a XXXX fee. There was no explanation provided on any document. My invoice has the line item mixed in with other activity without any explaination. I asked to be transferred to XXXX XXXX my customer service rep but was transferred to the automated line. I truly believe that this fee was imposed as a result of my many complaints. I will not pay this fee.
I refinanced my loan throu gh PenFed and it was ma ndatory to open an account with them which they call i t Regular Share.  They said that I do n't need to deposit any money to the account, and they 'll deposit a  XXXX  dollar  gift into the account for me. This  XXXX  dollars are unavailable and I can never transfer any part of it to any other account I have. Then I noticed that my monthly payments ar e 9  cents higher than it should be. I mentioned it  to PenFed and they conf essed that they do this unfair activity. They add that "  XXXX -dollar gift '' to principal balance of the loans . PenFed p robably makes couple  of million dollars only out of this unf air transaction. They have done more unfair activities over my refinancing process, thi s one was the most obvious and simple one.
I received a notice from Medical Revenue Service ( MRS ) on XXXX alleging I owe a debt in the amount of {$530.00}. I submitted a validation/verification of the debt to MRS on XXXX, because I have been a XXXX. They received my request on XXXX via XXXX Certified Mail, disputing the allege debt, advising MRS that I was not the debtor in question. MRS responded to my request of verification/validation on XXXX with an allege bill that I had no knowledge of. I submitted another letter to MRS on XXXX for further verfication/validation which they received on XXXX via XXXX Certified Mail. MRS responded to my XXXX request on XXXX advising me that they are not willing to provide me with any further documents to verify or validate that I am the debtor. They responded with the same allege billing statement they sent on XXXX. I dispute the debt in question and I am not responsible for any portion of the debt that MRS claim I owe. MRS have not and are refusing to verify that I am the debtor and continue to try and collect on an unverified debt. MRS have not proven that the alleged debt is mine, nor have they willing provided me with my request of a ( 1 ) XXXX agreement between me and their client ( 2 ) they have been assigned to collect on the original creditors behalf and ( 3 ) I am the debtor in question. This violates the FCRA and FDCPA, according to the laws of collection practice.
Barclays Bank Delaware ( Barclaycard ) which I have had an account for two years with in good standings. Decreased my credit limit by close to 1000 due to a high revolving debt. I have not used my card for over 6 months and have never been late on a payment. By decreasing my limit that affect my credit score. They did not give any notice of change until I called with minimal to no explanation. They constantly increased my limit and they cant just change credit limits without negative doing of the consumer.
On XXXX XXXX, My macys card was used in XXXX XXXX to charge over XXXX in charges. I contacted Macy 's as soon as the bill arrived and let them know of the fraud. I was then informed recently that the charges were mine and were not fraud. I verified the fact that at the time I was in California sending them XXXX other credit card statements with charges in XXXX XXXX at the same time as the fraudulent charges. I just spent 40 minutes on the phone with them to be hung up on with no follow up call. They are refusing to hear my pleas and failing to remove the charges as well as now reporting me late on repayments.
I am being harassed by 2 companies. XXXX and XXXX XXXX. I was making payments on both accounts and they started making calls and submitted for delinquency. I told them I am on a flat income & XXXX. I was paying hundreds at a time when I had the money & when things got difficult they didnt care. I told them Id pay a portion but it wont be what they want.. {$400.00} at a clip. Maybe their system got used to seeing large payments & I no longer have that ability. XXXX dropped our insurance on our purchase & violated contract. We told them since XX/XX/XXXX and they refuse to escalate it but call every 30 min. XXXX was a card I got through the job that let me go for being XXXX and unable to work. I was paying $ 150- {$200.00} at a time but that wasnt enough for them. They also call very frequently. I was put into delinquency while paying back in XX/XX/XXXX, this is ridiculous. Why pay anything if they report me when I pay them {$200.00} and they want {$400.00}. Theyre getting paid, I didnt abandon payment. So having calls every 15 min to 1hour is ridiculous. I made them aware of my financial issue and had a great prior pay history. Its unacceptable to call someone 6-12 times a day
Called first XX/XX/2017 Specifically requested they do not call me ever again and to send validation of debt, she refused, repeatedly attempted to coerce me into giving more information. Told them not to and that I would ONLY deal with them by mail/email. Sent email and fax as written notification to cease all telephonic communications Called again XX/XX/2017 at XXXX XXXX, called back told them to cease and desist calling me. Sent an email to a XXXX and a VP requesting they cease and desist all telephonic communications Called again XX/XX/2017 @ XXXX, called back again requesting they cease and desist, informing them they are now doubly in violation of the FDCPA. Representative kept insisting " well I am a completely new person ''. This is not my problem, as any of them represent their company and are thus equally liable. Again, attempted to coerce me into a conversation after I repeatedly stated, " I do not deal with third party debt collectors, do not call me again ''.
Transunion is using false information and representation to get you to log into your account and pay. They are not proving consumer 's with a way to dispute your personal information without making a payment. This is illegal.
I applied for a mortgage loan through Navy Federal Credit Union. I received a preapproval, based on my current gross take home pay. I was then informed to find a home and place a contract. And that once the home was under contract I would then receive finally approval. I am self employed which I informed the bank up front, they requested my XXXX and XXXX for the past 2 yrs, which I sent over. I found a home in XXXX XXXX, 2016 and place a contract on the home. I spoke with the loan officer in XXXX to ensure that all of the documents that were needed to qualify they had. She ensured me of such. After I went under contract, paid for home appraisal, inspection, title search and survey. The bank had all the information need prior to requesting my tax returns to issue a letter of denial. They had my Federal Tax transcripts which are the exact same thing as my tax returns. They never requested my tax returns from me until that 8 days before closing. Federal tax transcripts are the exact same thing as my taxes. They are no different. At the time of them reviewing my tax transcripts, they should have issued me a loan denial. This was negligence on the banks behave. Three days prior to closing the bank sent me a denial letter! After myself and my Broker requested for the last 2 weeks prior to closing for them to respond with either a letter of commitment or denial, they waited until 3 days before closing to deny. They had received my tax transcripts and based on that alone they should have issued a letter to deny. But they did not! They continued to request further information, that had no bearing to change the fact that what was the income on my transcripts matched the income on my tax returns. As they are XXXX in the same! They knew XXXX2 weeks prior that they could not approve the loan and that is the time they should have sent out the denial letter. By the bank delaying their response placed me in breach of my contract in the purchase of the home, in the state of FL.
In 2011 post bankruptcy, I was offered a car loan through an agency that works with post bankruptcy individuals. This loan went through and was approved with a rather high interest rate. I took the car loan out at time d/t the fact that I was a single mother with no running vehicle as my vehicle was in constant need of repair. I had a job with a XXXX mile each way commute and needed to not miss time at work any longer d/t vehicle issues. I was able to make the payments and keep going to work and supporting my sons. 
Soon after I took out the loan the finance co. was taken over by GM Financial. I have continued to pay on this loan over 5 years struggling more and more to keep the vehicle running and make the payments, as life continues to happen. Upon, watching my balance I am noticing that over the last year, though I have struggled, I am no closer to paying this off as I am hoping to do the right thing and pay my debt. 
I have contacted GM Financial and stated that I feel their late practices are un reasonable and also stating to them that I feel that they are not legal. Not only am I being charged {$50.00} late fee which exceeds 5 % of the entire installment. I am being charged additional interest along with my normal 23 % for each day that I am late. I can not keep up any more. I am paying bare minimal and just trying to give them what I can. 
At this point I do not see any hope of ever resolving this. They are stating at this point, I have gone from a 72 month installment to 80 months and it keeps growing. I have tried to resolve by requesting settlement. This is refused. The XXXX value on the vehicle at this point in time is under {$2000.00} and the payoff is still showing almost {$11000.00}. 
I need help, I do n't want to go delinquent, I do n't want to rip them off. I just want the right thing done on XXXX sides. I feel completely vulnerable and have considered a voluntary repossession. I do n't like the idea, but I 'm feeling like my options are running out. 

XXXX XXXX Ph : XXXX XXXXXXXXXXXX
I disputed an error on my credit reports called   XXXX   XXXX  . The debt is not mine. All   XXXX   credit bureau came back stating they verified the debt was mine and it was accurate. There is no way that the credit bureaus could have verified this debt with these documents they sent me.   XXXX   XXXX   sent me something in the mail stating they verified its mine. It is not a validated debt so I have no clue while the credit bureaus would said they verified it. It states an address i never lived at before and just something that says how much i owe. The address also does n't exist. This is a volitation of the Fair Credit Reporting Act. ( FCRA ) Can you remove this from all  XXXX  of my credit reports? I have attached a copy of the letter that was sent to me. You will see it is clearly not a validated debt. It 's not even my debt.
I found 2 Hard Enquires in my credit report Esperian made by a company named XXXX onXX/XX/XXXXlocated at XXXX XXXX XXXX XXXX XXXX Az  XXXX phone XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXXlocated at XXXX XXXX XXXX XXXX IN XXXX phone : XXXX XXXX XXXX which I do n't regognize ever contacting them for a loan. The Hard Enquire caused to lower my Credit Report Score which is not beneficial for me credit records.
I got hit with a hard inquiry on XX/XX/2018 from XXXX XXXX. This is fraud and not authorized by me. I never applied for this card or any card on this specific date.
I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or  4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *
I have called and mailed XXXX, XXXX, XXXX, and World Omni Financial Corp. regarding this account on XXXX XXXX, XXXX.
I made two separate XXXX fund transfers of {$300.00} each for a total of {$600.00} to a person on XXXX on XX/XX/XXXX. I was charged {$600.00}, but the payee only received {$300.00}. {$300.00} was lost in transit. 

On XX/XX/XXXX I made three XXXX money transfers of {$300.00} each for a total of {$900.00}. I was charged {$900.00} but the payee only received {$300.00}. {$600.00} was lost in transit. 

I have contacted XXXX numerous times requesting a refund without results. The payee has also contacted XXXX numerous times to confirm they only received a total of {$600.00} although I sent and was charged a total of {$1500.00}.