WillisBack/dataset-financial-user-claim huggingface dataset:
I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared Chapter  XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.
The incorrect address of XXXX XXXX XXXX, XXXX XXXX XXXX is on mt credit report. 
I have never lived in XXXX. I have lived In XXXX all my life. The last 12 years in imperial XXXX XXXX
I am XXXX, in a wheelchair, and my only income comes from XXXX. On XXXX XXXX, 2015, I went to an ATM to take out {$100.00} on my Treasury recommended Direct Express/Comerica Bank prepaid debit card. Several days later I learned that on that same day someone had taken out a total of {$1400.00} on my account, basically my entire monthly income. I submitted a fraud complaint to the bank. I also went to the police station to file a complaint. The police investigated my complaint. They showed me a video of my XXXX XXXX ATM withdrawal. The video showed a woman standing behind my wheelchair while I withdrew money and then later withdrawing my money. In XXXX 2015, I got a letter from Direct Express that they denied my fraud claim and would n't return the money stolen from me. I never learned why but when I called Direct Express they said they would reopen my fraud claim. It has been over a year since that time and Direct Express has still not completed my fraud claim or returned the money stolen from me. I gave my police report to Direct Express on several occasions long ago but they refuse to give me a time when my claim will be resolved or my money returned. I have attempted to get help from legal and other non-profit advocates. Direct Express refuses to talk with these advocates, even when I am on the phone with them or they offer to provide an authorization. I 've called Direct Express dozens of times in the past year but they wo n't tell me anything. Not only is Direct Express not helping with my fraud claim, they are refusing to let others help me with it. I have a limited understanding of my rights in this situation and Direct Express has made it impossible for anyone to help me.
Recently found out that there was unauthorized charges on my credit report that did not belong to me or belongs to someone with a similar name. I Approached XXXX  and XXXX  and told them that these did not belong to me. Through a bit of effort it was removed from these XXXX credit bureaus succesfully. Experian on the other hand has been extremely difficult to get ahold of online as well as on the telephone. Eventually after spending 20 + hours on the phone with Experian I filed disputes regarding collection from the agency " XXXX XXXX XXXX ''. No resolution has been made my experian for these fraudulent and unauthorized charges on my credit report. It has been extremely difficult to pursue this issue with experian as contact from them is minimal and they are not doing the correct research. 

Experian report # Report Number : XXXX
On XX/XX/2017 I contacted Credit Systems Inc in regards to an alleged debt of XXXX approximately XXXX. In doing so individual discussed information from XXXX XXXX without reading the attempt to collect a debt disclosure. She provided me with email address to dispute. After our entire 3 minute and 52 second conversation she attempted to advise me of something in which I disconnected because I was furious that XXXX sent me collection without any prior attempt to advise me of a balance
I have been trying to work with my student loan guarantor and my loan servicer, ACS, to bring my past-due consolidated loans current, to no avail. I feel I have been the victim of deceit, fraud and misrepresentation on the part of ACS. I have been in contact with my guarantor, XXXX - specifically, XXXX XXXX, their " outreach advocate '' - as well as the XXXX in an effort to resolve the situation. Nothing seems to help. I have recorded conversations with ACS that demonstrate their practices, and have devoted substantial time toward seeking relief. ACS has unduly delayed my requests for relief, denying avenues of relief such as discretionary forbearance that they themselves have indicated are available, and the entire situation has gotten well out of hand, causing me undue stress, anxiety, loss of sleep, physical sickness, mental anguish and wasted time.
I have two student loans, one is with Dept. of Ed. and the other is serviced by NAVIANT. When I asked Naviant if I could consolidate my two loans I was given a run-around no one could understand. I gave up. I also do n't know if my payments are being credited in a timely manner, I would have no way of knowing.
XXXX XXXX XXXX XXXX has not provided proof ( written documentation ) of assigned ownership of account ( validation ) and continues to report a collection past the statute of limitation. 
Agency has not provided appropriate documentation to show how and where such collections have come from as it relates to the original loan in an itemized statement. 
No itemized information about proof of last activity date was provide to me. 
XXXX XXXX XXXX has fraudulently changed 1st and last activity dates on my credit report after the 7 yr statute of limitation.
In short, for years XXXX XXXX, and now Naivent have refused to process my unemployment deferment request as per our contract, stating that the State Of Kansas must change the format of its Unemployment Benefits letter to fir XXXX XXXX Navients needs. While the letter includes my name, address, SSN and DOB, it does not include the " XXXX '' after my name. Their claim is that there could be a different person with my name, address, SSN and DOB, and therefore they refuse to process my unemployment deferment per the terms of our agreement. This has added XXXX dollars in interst to my loans over the years.
RGS Financial/ XXXX XXXX is reporting that I owe {$560.00} for a cable bill. I have no knowledge of this account nor do I know who opened this account. I have attempted to communicate with the collection agency and they are not compliant with federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] RGS Financial has failed to provide a copy of any alleged contract or other instrument bearing my  signature will result in a small claims action against your company. Legally I am able to seek {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I have only received a copy of a computer  print out that reflects an account and XXXX XXXX 's database. 

Thank you for your assistance.
I was living in a apartment in XXXX texas in XXXX.once i move in i was taken a shower and rust came out this was a on going problem. the manger kept tell me it would clear up but it got worst. i had to start taking a shower a the XXXX because it was so bad. so after awile they told me they will give me a new apartment and the same thing. i paid up and they said we were up to date but when moving out they came up with all kind of charges, i was never late on my rent and a good tenteat.i have all the pictures and i am ready to back up all my claims.i was done wrong and now my credit have a mark on it. i am ready to dispute this report and ready to back up this claim with pictures and recepits.
Upon reviewing my credit report after being denied a loan, I was told that I still owed money to Chase for an account that they wrote off. The debt was written off and a XXXX was issued and I filed taxes on this debt but they report this debt as still being owed on my credit reports. I wrote to all XXXX major credit reporting agencies and all three responded with no change to the status of this account. I 've called Chase 's recoveries dept. and they refuse to report this account correctly. This account should read as a XXXX balance on all credit reports due to the write off but they refuse to state it as such.
I applied for a credit card in XX/XX/XXXX in which it approved the following month I had no score because I was new to the credit system. upon checking my credit report I saw that they were there were hard inquiries that I did not make on my report from XX/XX/XXXX. I reaching out to the credit bureau to have it removed but I was unsuccessful, I also tried to reach out with the companies that I saw the hard inquiries were coming from and I was also unsuccessful. 
By the middle of summer when I check my report to see if there were any changes made to report, I found more hard inquiries from financial institutions that I did not place a hard inquiry with. Not only did they place this once or twice on my report but more. I wrote letters to these intuitions but got no response. I placed a security freeze on my account because of the problem and I could not get any resolution to the problems that I was having, but come to see with the security freeze on all my accounts with all the credit bureaus I was surprised when I saw that I am still getting hard inquiries on my Equifax report. 
On my Equifax report these are the inquires for service that I did not request : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX
I believe I was a victim of the Equifax security breach. I believe someone used information from my Equifax credit report to apply for and open several bank accounts. They also were able to obtain my banking information and were able to obtain an card linked to my money market savings account. The used this card to charge over {$10000.00} in international charges and transferred over {$4000.00} to an international account. Also, a Change Of Address form was initiated with the USPS.
My information is part of Equifax 's security breach. I also have a paid membership with Equifax which possibly puts me more at risk.
I received a call today XX/XX/XXXX at XXXX AM MTN time from phone number XXXX and the representative identified himself as calling from Commonwealth Financial Systems. I monitor my credit via XXXX XXXX ever week and only have medical debt in collections with companies name that I know, from over 3 years ago and am never contacted by them. All the research I can find on the company are complaints and law suits and accusations of Commonwealth Financial Systems reopening already closed collection accounts to attempt to collect after the reporting period. I am working very hard to pay off my debts and correct my credit but I know I have nothing in their office for collections and I asked them not to contact me again and issued a verbal cease and desist on their " recorded '' line. They then called me again not more than XXXX minutes later after I advised them to never call my phone again and verbally expressed my cease and desist. I have had only XXXX accounts in collections [ ALL MEDICAL ] for the past 2 years and the complaints launched against them put credit scores back months. I am preemptively launching a formal complaint against this company for contacting me after I advised them of cease and desist and I know I have no debt in their office so anything they may try to tack on to my credit reports are false and illegal.
I filed for bankruptcy in XX/XX/XXXX and the creditor was notified. After my bankruptcy discharged in XX/XX/XXXX I checked my credit report to make sure all my debits were showing as included in my bankruptcy one creditor Capital One was still showing my account in Charge-Off status. I disputed the item on my credit report through XXXX and received a response that the debit was valid. I contacted Capital One directly on XX/XX/XXXX was told by XXXX agent # XXXX XXXX that the debit was exempt from bankruptcy. According my bankruptcy filing only taxes, federal student loans and child support are exempt from bankruptcy proceedings with a few other exceptions but unsecure credit cards are not the exception. At my creditors meeting during my bankruptcy proceedings Capital One did not dispute the debit. All debits prior to XX/XX/XXXX are discharged as of XX/XX/XXXX per bankruptcy discharge papers from the court system. I am asking for you assistance in resolving this matter as it is negatively affecting my credit. I am trying to rebuilt my credit and having bankruptcy is difficult without have a discharged debit being considered twice.
Representatives, Specifically XXXX - Senior Vice President Director Commercial Recovery & Litigation The Offices of Montgomery & Meyers P.A. Corporation, have been harassing me regarding a debt. It began by them calling my XXXX father, they threatened him and tried to get him to pay a bill that clearly was not his. In addition, I have tried to resolve this but they have refused to provide any documentation that they represent the company they say they represent. I asked them to provide the original invoice, they refused. Throughout the process he has been abusive cussing and yelling. Lastly, while speaking with someone else from this office I agreed to pay the bill. When I called back to provide payment XXXX again being abusive refused to honor the arrangement.
XXXX XXXX Mortgage Company claimed I was late on a payment XXXX XXXX, 2014 while in was in an active Chapter XXXX Bankruptcy. This should not have been reported then while I was protected. Please remove.
XXXX / Wells Fargo has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XX/XX/XXXX-XX/XX/2017 ( amount was {$9000.00} ) Received phone calls from National Commercial Services about having to pay a claim dealing with a car accident Stated if I didnt pay the amount, I will go to jail and they will suspend my liscense.

I told them I couldnt pay the amount and they didnt care about my situation and said I have to pay no matter what. Not sure if its a scam. The insurance company never said I had to pay a claim.

They never sent me a letter stating why I had to pay so much.
I have repeated requested XXXX not to call my work number or home number I would only communicate with her through mail. Requested proof of debt which I have never received., she ( XXXX XXXX XXXX? continues to call my work number and my home number. The calls look like they started around XXXX XXXX ; she XXXX, XXXX/XXXX/XXXX, XXXX ( XXXX times XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX these calls were made to my home number. 

She has called my work number : XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXX/XXXX/XXXX @ XXXX ; XXXXXXXXXXXX ; XXXX/XXXX/XXXX @ XXXX ; these called appeared on my caller ID at work and missed calls. Unfortunately, I can not find the early call where I requested her not to call, but XXXX has now switched over to using unknown number and I spoke with her today XXXX/XXXX/XXXX @ XXXX for XXXX seconds restating the fact I would not speak with over the phone to send everything in writing and not to call my work number. I also have an unknown number on XXXX/XXXX/XXXX @ XXXX that last :58 seconds that I am assume was hers.
on XX/XX/XXXX I received my XXXX credit card statement on my computer, I live in XXXX  Calif and there was a charge on it for XXXX made in XXXX Calif.. I called my police department thinking that when I got gas the pump was rigged .. Tehn I looked at my staement and this charge was made 4 days before my gas charge.. So I called XXXX to complain about this charge.. My husbanmd was the main card holder on this account and he passed in XX/XX/XXXX.. They said since I was n't they main card holder I could n't handle this and I would n't be responsible for this charge.. I said I want this cleared up.. My husband and I do hold community property they could attach and besides we always paid our bills.. We were married for XXXX yrs..I made 5 phone calls in total to the bank..Was told to talk to the fraud department. Another phone call was told to talk to the probate department. Talking to them I found out my bill had been turned over to collections on XX/XX/XXXX.. All this time I am making phone calls getting no where... I called XXXX XXXX XXXX XXXX. At that time I was told they had no info on the file except for talking to me now..So they were going to return the file to Synchrony Bank.. I should wait 3 months before I call the bank. Well I did n't wait and in frustration I paid them the charge.. I feel totally ripped off and very angry that they did nothing. My husbands name was XXXX XXXX XXXX
Had to put alerts on my credit reports now I can not access Experian and can not reach them by phone to find out why their report is not showing up. I have called their number and there is no option to speak so anyhone, it is all automat4ed and the option I needs I not there. I am trying to possibly refinance with lower interest rate but need access to all XXXX credit reporting agencies for this company to see if I qualify for a particular type loan.
I applied for a loan and the interest is 33 % percent over a 5 year. I tried to get them to lower my percentage rate.
I signed up with XXXX to get a free credit score report. It made me go through many prompts and enter my information and charged me a {$1.00} starting there would be no additional fees without my permission. Since then, I repeatedly get money taken out of my bank account automatically for Experian. I never agreed to any services with Experian nor did I request credit monitoring or help.
Chase bank in  XXXX , TX  XXXX  allowed a person who is not  me (   XXXX   XXXX   )  to open a business account using my social security number, but someone else 's name. This account was used for a business and has since been charged off since   XXXX  . I just recently became aware of this account, when I was denied a new checking account with Chase bank because my social appears under this business that has an overdue balance. I was told at the  Chase bra nch in  XXXX , Tx  XXXX , that they could not give me any information about this account because the client is still considered and active member with the bank. I do not even know the name o f the Business or how much the account charged off for. I filed a policy report with   XXXX  XXXX   XXXX , and filed a complaint with Chases fraud department. The deputy in charge of my case says there is not really anything he can do seeing as it has bee n seven years since t he account charged off, and the bank is demanding a court order to release any other information. This account does not show up under any of the  XXXX  major reporting  Bureaus, and I was told that is because it is a Business  Account. I have been told by the social security office that without proof that someone has used my social they can not do anything either.
collection agency did n't identify them self as a collection agency says they are only required to say mini miranda it once and that they did it on a letter they sent informed them that is wrong fdcpa clearly states that it is on every contact they sent me a validation letter we requested and it was XXXX more than what I owed part of it was 2 months that landlord could n't rent apartment yet apartment was rented 30 days after I moved out can get proof if needed they are overly aggressive and refuse to adhere to fedral law I can not and will not do business with a company that thinks they are above the law
Was informed by way of my XXXX XXXX account that I have a delinquent account with a balance of {$840.00} with XXXX XXXX as of 2015. I do not have XXXX XXXX as my cable/internet provider. I have been with XXXX for the past 3 + years. This item is not mine and I want it removed. 
Thank you
I placed a complaint to inform cpfb that PCI, was reporting inaccurate information on my credit report case # XXXX concerning account # XXXX, and the response from cfpb was it was validated, i received a item with allegedly owe them.there information does not meet the Federal Trade Commissions guidelines of what constitutes proper Debt Validation.they are still reporting this collection on  my credit report. PCI is in Voilation of the FCPDA .These collections on my credit is causing me a great deal of damages to my credit report and life.The FDRA does not allow the inaccurate Reporting of information, and they are getting away with it.Im am send you the copies of the notarized letter and their response sent via USPS certified mail.i sent them was received by them XX/XX/2018 at XXXX XXXX certified Mail # XXXX, its been more the 30 day to prve this debt is mine.
SPS servicing is the most unscrupulous mortgage component I 've ever dealt with. The second time my mortgage was due to their company ( because my mortgage was sold to them after 10 years with XXXX XXXX XXXX who were great ) they charged me twice for an online mortgage payment transaction. I attempted to pay my mortgage online and their system kicked me off and told me to try again. So the next day I did, because I 'm responsible and pay my bills on time. Well turns out that my first attempt to pay was apparently processed but I did n't get confirmation of that! So when I paid again they charged me twice! Then when I call them to cancel one, they say they ca n't help me! So they fraudulently charged me twice! When the online payment is processed it clearly states that you will receive confirmation through an email that your payment was processed! Never got any confirmation for any payment whatsoever! So that 's why I paid out again the next day, because like I said I 'm a responsible person, and I like to play my bills timely! This company is the worst and commits fraud!
I booked XXXX nights hotels using the points earned from Wydnham rewards Barclays credit card. The dates we booked are XX/XX/XXXX-XX/XX/XXXX and I received the booking email with the right dates. A few days ago I just noticed that the dates was changed to XX/XX/XXXX-XX/XX/XXXX. I never made those changes. And because of that, I spent countless hours on the phone with Wydnham rewards helpdesk. So many hours wasted on the phone. Changing the dates without our authorization is crime, and Wydnham even changed the date to past!!!
I have had difficult times trying to remove errors on my credit report from Experian. They dont remove them. They update errors from several years ago to the current month to purposely make my report look even worst. Nothing was removed but only updated. The Bankruptcy is an error and they claimed that it is mine. Many errors are still on my report.