WillisBack/dataset-financial-user-claim huggingface dataset:
during the annual credit report identity verification review, the questions presented used information for mortgages and credit cards which i have no knowledge of. this led to my credit report being inaccessible. I have never opened a mortgage, and i have XXXX bank card. the questions in the attached image of the prompt refers to accounts i have no knowledge of. So far i have seen evidence of the following fraudulent accounts opened in my name. A mortgage loan opened XXXX XXXX, a retail credit card opened in XXXX XXXX, and a bank card opened in XXXX. I can not access my equifax and XXXX credit reports online currently due to these errors. i am awaiting a mail in report in the near future to verify these are the only discrepancies.
My  XXXX   XXXX   XXXX  son died on  XXXX  's  XXXX  last year.  Phoenix Financial LLC Keep s calling my personal cell phone to collect a debt that my dead son owes. I have repeatedly asked them to stop calling me, that  XXXX  is dead and it is extreamly upsetting to be reminded of his death every time they call. Also, when they call asking for him, I ask who they are and they wo n't tell me, but it 's the same number every time. I had to call back after they kept hanging up on me after inquiring their information. I finally got their name and address.   This is not my bill. My son was  XXXX   XXXX   XXXX  and had   XXXX   XXXX  . He had many financial problems due to his  XXXX . He died at home on hospice in my arms. I suffer from  XXXX  because of his traumatic death.   Please, please make them stop harassing me.
On Friday XX/XX/XXXX I spoke with United Recovery, a debt collection agency regarding a XXXX credit card with an outstanding balance. The collection agency called my place of employment, XXXX XXXX, at XXXX. This number leads to an automated system explaining it is XXXX XXXX, and clearly not a personal number. I informed the gentleman on the phone that I am unable to take personal calls at work, and not to call me at this number again. I politely informed him I would call him regarding the matter from my personal phone when I am off the clock. On Monday XX/XX/XXXX at approximately XXXX XXXX, the same debt collector called my employer yet again, after being informed not to on a recorded line. My manager happened to answer the phone, and I was scolded for having personal calls at work. This is unacceptable and can jeopardize my job. We have a strict policy on personal calls at the bank, and I told them of this. They have disregarded my privacy and request.
I need to File a formal complaint on behalf of Experian On XX/XX/XXXX I sent in a letter asking them to please send me the Original signed consumer contract for any and all accounts that they post on my credit report But they refused to send me any of the Information that I asked them to Provide. Per The Section 609 ( a ) ( 1 ) ( a ) Experian is REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT IN MY CASE THEY DID NOT PROVIDE ANY OF ORIGINAL DOCUMENTATION REQ UNDER THE SECTION 611 ( A ) ( 1 ) ( A ) OF THE FCRA A CONSUMER CONTRACTWITH MY SIGNATURE ON IT AND ALSO SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THE LAW IS VERY CLEAR ON THIS LAW.

i HAVE REACHED OUT TO THE MN ATTORNEY GENERALS OFFICE FOR ADVISED ON THIS I ALSO ASKED THAT E XPERIAN PLEASE UPLOAD THE CONTRACTS WITH MY SIGNTURED ATTACHED ON THIS CFPB SITE WHEN YOU RESPOND TO THIS COMPLAINT. IF YOU ARE UNABLE TO DO SO PLEASE REMOVE THE ACCOUNT LISTED BELOW ASAP I ALSO ASKED EXPERIAN TO NOT REPLY BACK WITH I NEED TO CONTRACT THE CREDITORS THE FCRA 609 / 611 AND SECTION 617 REPLIES TO THE REPORTING AGENCIES WHAT WOULD BE.

AS YOU TRIED TO DO THAT WITH A XXXX XXXX   ACCOUNT I WILL NEED FOR THIS ONE TO BE REMOVED ASAP SEE FILE FOR COMPANIES FEED BACK!

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX | DOB XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
ALL CREDIT INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail.
On XX/XX/2018 Experian has reported inaccurate information on my credit report. On XX/XX/2018 I requested to remove the account ( XXXX ) from my report due to errors. In which, the account ( XXXX ) was not 100 % accurate. So therefore, the account ( XXXX ) must be DELETED due to inaccurate account balance and account history.
Today XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX called my mom dont know how they got her number telling her I need to contact them ASAP regarding a legal claim. When I called back XXXX answered and was trying to say I had a bounced check for a loan from XX/XX/2016 from XXXX XXXX XXXX who by the wG is illegal in the state of California, but when I told him I never received a debt validation written notice he said a thats why were giving me a courtesy call then he started to get mad saying I dont pay my debts so I started going off on him questioning the legitimacy of the company asked for his business license he hung up. Then I called again and some supervisor answer and was trying to verify my info I said no until I get that written notice am not verifying XXXX and he said I dont have the license number we dont have to provide it. I said I dont give a XXXX do what you got to do if that means well see each other in court so be it. And he hung up never once did he disclosed my name is XXXX this is an attempt to collect a debt nothing this people are rude and nasty but when you treat them the same they hang up. They think there smarter and can scare you wrong person
I would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit.
XXXX Creditor Name/date of inquiry 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 Equifax Creditor Name/Inquiry Date XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 Creditor/date of inquiry 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 XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX
Sears has no proof what so ever I made a debit with them. If they investigated they can show me where I signed or authorized anything form them. I did not make this debit. They did not investigate anything. Several people have my SS number and have used it. Not me and one went to jail. 
XXXX XXXX
This company does not show up in the California Business Oversight as having the legal right to charge a usury interest rate of over 1000 % to persons in the state of California or elsewhere. I received an undated letter from them on XXXX/XXXX/2015 claiming to turn this illegal account over to a collection agency IF I did not pay this illegal account # XXXX.
I have filed a complaint twice against this company and asked for verification of debt the company sent me a copy of another customers information in XXXX. They refiled debt in XXXX and renewed the collection.
I received this email at XXXX  on Tuesday, XX/XX/2018. I called the Customer Service number as instructed. I know it was early in the morning, but regardless of what time this number is called there is no option to speak to a person unless you go through a fraud claim and continually not push buttons so it will send you to a real person. Even if you get to an actual person, youre often disconnected when they try to transfer you to the correct department. This makes the caller have to go through the entire process all over again. There was no option for me to leave amessage, no number to text, or email address to message about this issue of a card being activated that was not me. Its an inconvenience to have to report card stolen or lost and then have to wait 7 to 10 business days to receive a new card with a new deposit on it. I am XXXX and I dont have time to mess with these unprofessional behaviors. There should be a way I can talk to a real person to find out what the situation is and if I do have to close this credit card number and receive a new card, get the process expedited.
XX/XX/2018 RE : XXXX XXXX Dear Transworld Systems Inc.,  and XXXX XXXX, I received an invoice from Transworld Sytems Inc. stating I owed XXXX XXXX money in the amount of {$400.00}. TRAnsworld File # XXXX. Transworld has three telephone numbers and three different addresses on their collection bill. When I called trans world and tried to get XXXX XXXX on the line with them in a thruway they hung up. I accused them of fraudulent billing practices. 

I called XXXX XXXX and they said this was a fraudulent collection and XXXX XXXX sent me a XXXX balance of XXXX owed. XXXX XXXX opened a case # XXXX and a XXXX # XXXX for this billing from Transworld Systems. 

I am reporting this to the Government Authorities of unlawful collection. 

XXXX XXXX will not be in my complaint as they were very helpful in the fact of informing me they did not have any balance owed by me and they sent me a XXXX balance and stated I never owed them anything that they never sent anything for collections. 


Please be advised TRansWorld Systems you are being reported for unlawful collection practices. 

Sincerely, XXXX XXXX Attached in this correspondence is a XXXX XXXX   XXXX balance statement and the TRansworld Systems Collection Bill File # XXXX Transworld Telephone # XXXX they wanted me to send the payment to XXXX. XXXX XXXX, XXXX, DE XXXX. 

XXXX XXXX XXXX, Case # XXXX and a XXXX # XXXX for this billing from Transworld Systems.
I received a letter from Navient about my renewing my repayment options in XX/XX/XXXX and decided to log in into my studentloans.gov account to view my documents. 
and there are multiple errors on my consolidated loan application. 

I dealt with previous scammed third party loan servicers : XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XXXX based in CA XX/XX/XXXX- XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX -XX/XX/XXXX. 
I paid {$390.00} each since I was n't full steadily and full-time. 
The third party loan servicing companies " promised '' to lower my student amounts ; however, I have n't received a call or correspondence to send them monthly payments thereafter once I paid the initial fees so I am left in the dark about my payment status. 

XXXX XXXX XXXX reported their XXXX XXXX office as my permanent address and listed my second contact person incorrect address in XXXX, PA. 
INCORRECT!!! 
I even saw the XXXX XXXX CA address listed on my 3 credit report agencies I disputed. 
I listed the second contact person since I rented a room at a house located in XXXX, NY. 

I am perplexed still about the erroneous information on my loan application at studentloans.gov and have been reading about the negativity of Navient especially the lawsuits this year. 

I even received harassing calls about my account is flagged for loan forgiveness programs I am starting to believe there are scams. 

What is the status of Navient? 
How can I begin a new year with a full-time at a union organization wasting money at a loan servicing company facing lawsuits? 

I ACKNOWLEDGE THE FACT I OWE STUDENT LOANS BUT HOW AND WHEN CAN I EVER REBUILD TRUST WITH THE US DEPT OF EDUCATION?!!!
I recieved a call from Barclays today about a rebill on a card which has been closed since XX/XX/XXXX. I am unclear on why this rebill has been allowed and on why I am unable to dispute it. I was told that past phone calls have not been returned because an employee was on vacation. I was also told that Barclays lost ( at least XXXX ) dispute letter which I sent in. 
I also asked for clarification on XXXX more disputed charges. One involved XXXX XXXX. One involved a XXXX XXXX XXXX. Barclays refused to provide me with information on these disputes, to explain where they are in the process of disputing them, or to credit my account. 
Finally, I asked for access to all phone calls, or transcripts thereof, that Barclays claims I had with them. Barclays claims that I approved a rebill. I do not recall doing this. They also have, in the past, lost materials related to the XXXX above disputes. Both of the above disputes ( XXXX XXXX and XXXX XXXX ) were initially called in within 60 days of services not being rendered. Barclays seems to have unclear records on this matter. 
Fighting this unfair charge has become a great burden of time and mental stress. I would ask that Barclays clarify that my account is completely closed, that I have no balance, and that they will refund to me the disputed amounts from XXXX XXXX and XXXX XXXX.
i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules.
My wells  Fargo b ank account has been sabotaged constantly since  2007  by the  XXXX  organizations "   XXXX   XXXX   XXXX   '' I have been paying bills without my consent. the   XXXX   working in the bank are sabotaging my account. it is been reported to the Bank over and over again and the bank is been informed and the problem is being confirmed by the bank through statements and letters, but nothing has been done to prevent it. my debit card is been blocked only " which has nothing to do with the problem '' even my bill payments are being sabotaged by this people, the last  one  was payment directed to   XXXX   being sent to  XXXX  car insurance with which I have nothing to do anymore, just to tell me how helpless the system is in stopping the harassment of the organized religion.   please stop financial injuries that I have been going through since  2007 .
American Express frequently sends me offers that include benefits like Return Protection. I began using my Amex card exclusively for large purchases because of the suite of benefits that it advertises. When I attempted to use the protection benefit after I changed my mind on a watch strap purchase that, per the store 's policy, can not be returned, American Express refused to honor their benefit. In their words, my watch strap was excluded because it is considered a watch or jewelry. I read their benefit terms and conditions very closely, and I appealed their decision, arguing that a watch strap is neither a watch nor jewelry according to multiple common definitions. Amex refuses to follow common definitions and instead lumps this into a jewelry/watch purchase for the purpose of avoiding having to honor their protection benefit. 

I feel this is deceptive advertising to lure customers into using their credit cards with intent to avoid providing their customers with promised protections whenever they can loosely categorize a purchase into one of their excluded categories. A watch strap is no more a watch or jewelry than a power cord is a tv or laptop or a shoelace is a shoe. 

I 've learned my lesson not to trust Amex 's " benefits '' but I still feel this matter is unresolved.
Hello, I am back again to discuss Navient. I have been having problems for a while. My federal loans are on a more affordable monthly payment. However I am having problems with the private. I received a letter yesterday from my federal loans demanding the payment of my entire loan in full. I was confused because i had just started the new lower payment program. I called them and they stated that it was past due but later said i was up to date. He then told me it was my private loans. I spoke to the private loan department last month to discuss some options for repayment. The first person i talked to said that they could not lower the interest rate under 7. Her manger then told me he could get it to 1 but for only a short time then it would go back up. Then he presented me with a payment plan that would have been automatic and had other information about the plan he could not email me in writing. They wanted me to listen to a voice automation that was talking so fast that i did not feel comfortable agreeing with the terms. he told me to just keep replaying until you understand!!! I was taught to read before you sign. He made it seem like it was an offer I had to take or would lose it. He kept telling me that he could not email me the document. I cant get anywhere with the private loan side. I would like from them to send me copies of all of my history. I would like to see the original document i signed at XXXX XXXX. I also would like to receive the document with that payment plan that they could not provide. I strongly felt bullied in that situation. I would like for them to send me the correct info. Are they going to help with my private or are they demanding the money i dont have, and cant borrow. They stopped taking credit card payments but even still at this current time i cant give them the full. My salary is just as much as my loan. I cant switch careers because its hard finding a Job as is. I have been paying on my loan for since 2009 and i just started having issues. 8 years of payments and my loan has gone up.
A savings and Checking account was opened with XXXX and it was requested to be closed within 24 hours of opening it. They said on the phone both accounts were closed and there would be no fees. 2 months later I receive a letter in the mail stating there is a {$59.00} over draft fee and that my accounts are on hold. I called 2 weeks ago and they said they waived the fees and my accounts are now closed. 

I called again today and they said my accounts are still open. 

checking account XXXX savings XXXX
On the afternoon of Thursday, XX/XX/XXXX, I entered my information at XXXX indicating my interest in a {$23000.00} personal loan. After completing the information, I was presented with several loan offers. I clicked 'Continue ' on an offer from XXXX. I assumed that they were able to extend these offers after doing a soft-pull on my credit report and that the offers were legitimate and not just click-bait to get you to apply. I was then taken to XXXX 's application page where I completed the rest of the customary loan application information. After hitting the submit button, I was notified by my credit monitoring services that XXXX had done a hard-pull on my XXXX  and XXXX  credit bureaus. This was expected. Then XXXX informed me that my request had been denied. This was NOT expected. If I had thought they were going to deny the application, then I would not have applied. Now I have 2 new inquiries on these bureaus that will affect my score and my ability to borrow funds in the future. If the 'offers ' from XXXX were conditional, they should have made that clear.
The lender negligently failed to pay city taxes from my escrow account. Unknown to me, a tax lien was filed against my home and has now been sold to a third party. The mortgage company has stubbornly refused to deal with the situation, which arose in XXXX 2015. They respond only upon a threat of regulatory intervention, and then only to say the matter is " under study. '' Meanwhile my credit has been seriously harmed, and my home is at risk. All documentation has been provided to the lender, Loan Depot.
I was looking at offers to switch banks and therefore open a new checking account for the first time in years if not a decade. I came across an offer from Chase that had a {$300.00} sign up bonus for a Total Checking Account when the requirements of direct deposits were met. I signed up for it and set everything up for direct deposit at work. However, I wanted to confirm with Chase the offer so I contact them to have it on writing and of course, Chase being Chase, they stated the offer was for {$200.00}. What bothers me is not the {$100.00} difference but the way this company acts. I'm trying to establish a new relationship with you, I'm signing up for a promotion you have, and then you do what you want? What kind of banking am I to expect? As a proof here 's the link to the offer, and I'll be attaching a PDF. 

https : //accounts.chase.comXXXX XXXX XXXXXXXX