WillisBack/dataset-financial-user-claim huggingface dataset:
Dynamic Recovery Solutions has called me from a XXXX, AR number XXXX approximately 4 times today on XX/XX/2017 last phone call being XXXX XXXX. I 've owned this number XXXX for roughly 3 years and have received MANY phone calls over the course of those years from them asking for a man in which I have repeatedly told them to take my number off, this number is not associated with them. They have continued to harass me calling at all hours after being told to remove my number I am not associated with him. Today I received multiple phone calls with no one saying anything on the other line. I called back and an XXXX XXXX man answered ( call should be recorded ). I told him they have called me 4 times today ( that call being the 4th ) and I have told them over the last several years to remove my number and stop calling me that I do no know or have any associations with the man they are looking for. I told him that they are harassing me and the man became irate and said " do not use the word harass, I 've never called you this is the first time I 've called you. '' I proceeded to tell him multiple agents have called me and I 've repeatedly told them not to call and remove my number. I have a witness to the conversation and could hear him raising his voice and talking so much over me I had to ask him to stop talking over me. I finally had to hang up on him he was being loud and disrespectful. I 've been harassed by this company so many times and yet they will not understand the fact that this man is no longer associated with my number and will not stop calling me at all hours of the day when I have work and a family to be with.
PLEASE NOTE : I do not have an account or any affiliation with this company. They are seeking payment from the individual they are trying to which which also has no affiliation with me or my family. We do not know this person.
I am requesting an Emergency Lock down on my credit, In the month of XX/XX/XXXX I received XXXX inquiries all within a 10 day period. I gave no consent for these and now I 'm suffering because I wish to obtain credit for legitimate purposes and these inquiries are holding me back. I have submitted a screen shot from Credit Check Total Page showing these Inquires. If you could please get rid of them asap, as me and my girlfriend, ( soon to be fianc ) and planning on buying a house THIS YEAR and need a tight report.
CFPB dumped my complaint regarding XXXX 's complicity with Coast Professional , Inc. I am therefore submitting a complaint about Coast Professional 's  misrepresentation regarding compliance with their " rehabilitation plan '' that was supposed to remove the two separate 20 % default penalties tacked on to my balance. ~ $ XXXX of my current student loan balance can be directly related to their deceptive practice and either their refusal to process and release information, or XXXX XXXX XXXX XXXX 's refusal to release my information. I'm working my way through the chain of organizations at this point. 

Coast Professional contacted me in XX/XX/2009 to advise that I was in default, and if I did not pay the balance in full immediately, or if did not make immediate arrangements for refinancing, I would owe the full balance plus the 20 % default fee. I filed for consolidation with Direct Loans, as shown in the attachments. Either Coast Professional and / or XXXX XXXX XXXX intentionally sat on the release of my file and my information to the Department of Education for six months, was given no opportunity to reaffirm the balance of the loan ( which, I was led to believe, was the amount WITHOUT the 20 % default penalty tacked on ), and much to my shock and horror, the 20 % was folded into my refinanced amount. 

I refused to pay the incorrect amount. The loan fell into default again. Another 20 % was tacked on. AGAIN. Coast Professional Inc. contacted me again, and I refused to budge until I received confirmation in writing that compliance with their instructions would remove the loan from default, and was verbally advised that removing the loan from default would remove the multiple 20 % default penalties tacked on. 

I complied. The balance was not corrected. No one will help. I'm submitting all my attachments again. Please do not dismiss this as a duplicate claim again.
Experian will not remove incorrect tax lien information after submitting affidavits to them files with the IRS and state franchise tax board nor will the investigate. They have told me that the information has been " verified by the county clerks office '' however that is not true. It is well know the Experian uses a third party paid service. Either way I have submitted several affidavits to let Experian know. I have attached prof of delivery. I am awaiting the one from the IRS.
My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with XXXX   and Equifax and they keep denying my dispute stating it is accurate when it is not at all accurate.
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them. I have contacted this company and notified them that this was not my debt. I never owned a Macy 's card. Please validate this debt.
I went to XXXX XXXX after XXXX school and they automatically gave me these loans and now my credit is ruined and I cant get a house and they never found me a job in this feild. I am now in a different feild but the private loans are having to be paid back and I am barely making ends and cant consolidate them to help make it easier. I am paying on them to help from ruining my credit anymore.
I 've been contacted by Midland funding collection agency on behalf of XXXX in amount of {$1700.00}. This debt is from 2011. I remarried cancelled contract with XXXX to transfer over to husbands phone carrier. Midland funding nor corporate XXXX will provide contract and itemized bill. Will only provide a brief summary of what is supposedly owed. I have contacted an attorney and have them on retainer. I 've been going back and forth with the collection agency and they stated they do not have these documents from the creditor. It 's my legal right to see the contract and itemized bill not a summary of which looks like my XXXX old could have drafted. Please help as I want this removed from my credit report all XXXX bureaus!
I got into an accident a few months ago and as far as I knew the insurance company and gap insurance were supposed to take care of the loan. On XX/XX/XXXX the insurance company sent the dealership a check of over 10,000 dollars to pay on the vehicle. We have continued to receive calls regarding this account, and today I spoke to someone who identified herself as XXXX XXXX who was very rude, stating they never received the payment and GAP insurance wont kick in until we do. She also said that the check of over 10,000 would not cover any past due amounts I.e. what we havent paid since our car was totaled. I asked why and she got frustrated with me, not understanding my actual question which was simply why wouldnt the insurance check cover the past due amount and kept telling me GAP doesnt cover past due amounts, which was not what I was asking. I tried to explain my question to her and she told me I wouldnt get anywhere with this conversation if I kept talking over her. 

I asked for her supervisor, whos name was XXXX, who then got on the phone and explained she saw nothing wrong with the conversation on her end, as she sits next to XXXX XXXX and didnt hear her get loud. I asked the same questions, which werent answered by the supervisor either. Who also became rude with me. I asked to be removed from the call list, saying that I would prefer to deal with this on my own than be treated poorly by debt collectors who wont answer my questions, or even try to understand them. She then said that we wouldnt be able to be called by the GAP insurance either and we would have to contact them. 

All in all I still have no answers, not to why they havent received a check that was sent to them a month ago, or why Im being held responsible for payments that were after the date of the car being totaled, or why the check from the insurance cant cover those payments.
Equifax received my official letter via certified mail tracking number XXXX delivered XX/XX/XXXX at XXXX XXXX. Specifically, it was a request to remove the " extended fraud alert '' and also remove " file blocked for promotional purposes ''. I also included the front/back of my drivers license and front/back of social security card. I do not want my information to " get lost in the shuffle '', especially, with new credit reporting laws that took place in XX/XX/XXXX,  meaning the credit reporting repositories are inundated with updates.
I married XXXX on XX/XX/XXXX. On XX/XX/XXXX we went to US Bank and I co-signed a loan for XXXX for {$75000.00} to refinance her house. We separated on XX/XX/XXXX and I moved out of the house. On XX/XX/XXXX, I went to US Bank and requested a print-out of the transactions of the loan. I saw that XXXX had taken out {$55000.00} without my knowledge and I was not contacted from US Bank that she was taking additional money. 
The first withdrawal happened on XX/XX/XXXX for {$25000.00}, and on XX/XX/XXXX she added {$30000.00} to the loan, both of these without my knowledge. 
I told US Bank on XX/XX/XXXX not to allow XXXX to increase the loan for any additional money. It was my money that made all of the payments of this loan. XXXX was not working or bringing in an income from the onset of the loan as she was going to school. 
US Bank had my cell number to contact me at any time ; and on XX/XX/XXXX XXXX from US Bank left me a voice mail saying that they were unable to stop XXXX from taking any more money against the loan. 
On XX/XX/XXXX I returned to US Bank and asked for another printout. It showed that on XX/XX/XXXX she withdrew an additional {$50000.00}. making it a total of {$100000.00}. of additional money XXXX withdrew without my authorization or signature. 
The settlement XXXX and I agreed to when settling our divorce was that I pay her {$78000.00}. and she was required to apply that to the loan so US Bank could rewrite the mortgage and remove my name from the loan. 
I am requesting that US Bank pays me {$100000.00} due to the unauthorized withdrawals that occurred without my signature of the transactions. Also, I want the additional money that I paid due to the interest and increased mortgage payments.
I was off on maternity leave and my husband was laid off also, I just went back to work and my husband is still not working so I went to my lenders and asked if they would modify my loan with them they told me that I could n't because my loan is n't really a mortgage loan it is called a XXXX loan and they do n't modify those. I asked if there were anything else that can be done they told me no. I was n't aware when I closed on my home it was n't a mortgage loan. 
I 'm filing this complaint because I need assistant with saving my home and are open for any suggestions that you may have to assist me in doing so.
On XX/XX/2015 I made a payment of {$60.00} through MoneyGram to put on my XXXX for my cell phone bill. I have been with XXXX now for over 4 years and I never had any problems until now. However, money gram transferred the money to my XXXX account but, XXXX said that they did n't receive any funds. Soon as I loaded the money on the card I called my phone company to pay my bill and they said that it was declined. Now that is impossible because Money gram verified that they immediately released the funds to XXXX and now the card says declined. So I immediately called Customer Service for XXXX and they had me on hold for a little over an hour. So once I finally reach a representative to tell them my situation they instantly tell me the system is down and that they 're having technical difficulties and they wont be able to access any of my information. So every day I called them and the same thing kept happening, either no answer or the line goes busy and the phone shuts off. Finally I reached a XXXX representative exactly 1 month later on XXXX XXXX 2015, and she accessed my account and told me that she actually saw the transaction that was made on XXXX XXXX 2015, but she could n't provide anymore information because they were still having technical difficulties with their system. But however she assured me that within 3 business days my money would be back in my account, and now here it is XXXX XXXX 2015, and still nothing has changed my account is still empty. Could someone XXXX help me.
The accounts below are not mines? 
XXXX Account number XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX .... 

XXXX Account number XXXX ....
The following names on are incorrect on my credit report : XXXX XXXX ( Extra XXXX in my first name ) XXXX XXXX ( Last name spelled with a XXXX ) The following addresses on are incorrect on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( This address is not correct. Where did park come from? Also, it 's classified as an apartment ) XXXX XXXX XXXX XXXX NY XXXX ( Missing XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX NY XXXX ( totally incorrect as the apartment is in the street )
On XX/XX/21 the 1st transaction was posted to my Bank of America account for XXXX dollars from XXXX ( returned ). Then 2 more transactions were posted to my account for approximately 115000 more dollars and another transaction to XXXX XXXX ( returned ). None these transactions were initiated by me. After two months of investigation by the bank they tell me they will not be persuing this and I need to take matters into my own hands. And I was given a name of a company XXXX XXXX and a cell phone number. Please help out this is my parents account and my father is on XXXX XXXX after having a XXXX and I didn't do anything wrong except put my money in their bank. I was told i need to monitor my account every day. Since I didn't it is all my fault. I have paper statements that are sent out and as soon as the statement came for XXXX i opened it and reported it in a timely manner. According to the statement i have 30 days. Please help
I have disputed an ac count, held by the U.S. Department of Education, being rep orted on my  XXXX  and Experian credit reports multiple times ( mostly recently on   XX/XX/XXXX  )   without result or proper explanation as to how and why the account continues to be reported. I also disputed the information directly with the  U.S. Department of Education  on    XX/XX/XXXX      and as of this writing,   XX/XX/XXXX   ( more than 30 days later ), I have received no response.     The reports do NOT state the 'Date of First Delinquency ' or 'Date of Default ' on this account, which is required if it is to be listed at all on my credit report. In fact, the 'Date Opened ' is listed a s  XX/XX/XXXX , but  the  'Date First Reported '  is listed as   XX/XX/XXXX , a nd at that time they claim the account was already in collection status. Neither the   U.S. Department of Education   nor  XXXX  or Experian have provided me with the 'Date of Default ; ' therefore, this account has not been proven to be mine, nor should it be listed on my credit reports.
To Whom It May Concern, On XX/XX/2018, I filed a request/dispute with Equifax, and XXXX   via Certified Mail in reference to Public record information on my report. Specifically a chapter XXXX bankruptcy case number XXXX. The Agencies - Equifax, and XXXX  then alleged to have obtained from a local, state and federal court through a 3rd party vendor XXXX. Included are two letters, one from United States Bankruptcy Court, XXXX District of Illinois stating that The bankruptcy court does NOT perform any activities with the credit bureaus, and another letter from XXXX stating that XXXX was unable to verify the accuracy of bankruptcy case number xxxx within the required timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX Risk view report. If XXXX has already removed the bankruptcy ( case number XXXX ) from their records, I feel Equifax is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The only clear thing is that the Equifax is in direct violation of my rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. I humbly ask for assistance in having this information deleted from my Credit file at Equifax, and XXXX
In XX/XX/XXXX XXXX XXXX XXXX started reporting my escrow account as {$10000.00} in arrears and as a result reported this as late payments on my mortgage to all 3 credit bureaus, because I refused to repay this bogus charge to my escrow account. I spent two years trying to resolve this with XXXX XXXX XXXX with no success. In XXXX XXXX XXXX XXXX transferred the servicing of my Mortgage loan to Select Portfolio Servicing who carried forward this gross error. In XXXX of XXXX I hired a lawyer to represent me in this matter. In XX/XX/XXXX, XXXX XXXX XXXX, Select Portfolio Servicing and I came to an agreement to " resolved this matter '', which I am submitting as supporting documentation. It is important to note XXXX XXXX XXXX has removed this derogatory information. All mortgage payments covering XX/XX/XXXX thru XX/XX/XXXX being reported by Select Portfolio Servicing are not valid and should be removed from my credit report. The result of this reporting has caused serious harm to my credit worthiness.
I submitted a letter to dispute the error on my credit report on XX/XX/18. The credit agency is Transunion credit collection agency.  The agency never answered the letter and by law they have to remove the error from my report.
EARLY WARNING of XXXX XXXX XXXX XXXX XXXX, AZ XXXX has an entire file on me with inaccurate information and their online portal is not working to submit disputes. My Consumer ID is XXXX First : XXXX XXXX XXXX reported contribution ref # XXXX They have a loss as {$190.00}. I sued XXXX and they provided a debt waiver for me. Second : XXXX XXXX Contribution ref # XXXX saying they had a loss of {$430.00}. This account does not belong to me. Third : XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX do not belong to me. Fourth : XXXX Acct # XXXX settled with me because they were found to be at fault. I received {$9000.00} and a debt waiver from them. My attorney is XXXX XXXX. Fifth : XXXX Acct # XXXX does not belong to me.
Dept of Ed/XXXX  violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I sent a certified letter to XXXX XXXX XXXX which was received in XX/XX/2018. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled having an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
My oldest child XXXX XXXX was in a significant accident on XX/XX/2016. She was taken to XXXX 's hospital because of the severity of the injury and kept overnight with emergency XXXX the next morning. The accident occurred in a gymnastics center in the area. Not only did XXXX have medical insurance and coverage supplied through her father 's employer she also had additional coverage for catastrophe by XXXX XXXX XXXX. I have been constantly harrassed about a bill from this medical group because they did not file as requested by both my husband and my self for the additional coverage. I have documentation of all correspondence with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. This company is fraudantly trying to ruin my credit by insisting that I pay them money they have already been paid and that I do not owe as insurance covered all expenses in full. XXXX XXXX XXXX turned this into collections and it in no way has anything to do with me! Again, simple solution they are covered in full, XXXX XXXX XXXX has copies of the bills and correspondence was that if XXXX XXXX provided them with the specific itemized bill it would be paid. Companies like this collection agency should not be allowed to exist when they have complete control over getting paid. This is harrassment to attack my credit report, continue to call my phone etc.
We had been at XXXX XXXX XXXX in XXXX, California for almost 20 years. We refinanced our home with Country Wide Mortgage. When my husband applied for this, he was told by the agent at Country Wide that they had been instructed to lend to anyone with a heartbeat. 
The market collapsed, we were not able to keep up with our payments and contacted Country Wide. They were working with us and assured me that we could come to a settlement. I provided them with all the documentation they requested. Suddenly our home of over 20 years was up for public auction. I tried to contact County Wide and was told the person I had been working with was no longer there and they could not help me. 
We lost our home. I did not know there was an agency that might be able to help us so we left after paying a {$2000.00} per month payment for more than 20 years, we lost it all.
I was trying to deposite some money into the CITI bank account, but account is blocked for some reason and there is a fee charged related to it, which is ok to me. But customer service has a very bad attitude and didn't give good resolution about this. I called twice but the answers to solve this questions are different. And one customer service hang up the phone when I was asking a question.
I contact the collection agency to resolve an unpaid collection account that was on my credit bureau. I was told that the account would be shown as paid in full and i would have a letter faxed that would confirm the paid in full status along with removal from my credit bureau. I was instructed to send in a letter authorizing them to release this information via fax which i did. After days of not receiving the letter i called back to get the letter sent, and i was informed by the representative i will not be getting that letter.