WillisBack/dataset-financial-user-claim huggingface dataset:
I registered with Experian to lock my credit report after publication of the Equifax data leak. I did not sign up for credit monitoring service. A month later I noticed a {$22.00} charge on my credit card from Experian for monthly credit monitoring. When I called to ask them about the charge, I was on hold for XXXX minutes. After getting through to a customer service representative and explaining my issue, I was placed on hold again for about XXXX minutes after which the call was terminated on their end. I called again and had a similar experience. This is clearly a dishonest scheme to trick people into signing up, or fraudulently sign up people, for their credit monitoring system and then making it difficult, if not impossible, to reach anyone to dispute the charges.
On XX/XX/2018, Transunion sent me an updated copy of my credit report. After reviewing the report, I discovered that 2 out of the 5 previously disputed, unverified item were still on my credit report. ( XXXX # XXXX XXXX XXXX # XXXX  ).

Ive informed Transunion numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Transunion.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Transunion copies of the application, agreements with my signature. I respectfully request that Transunion open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, Transunion has reinserted two collections accounts that were investigated and deleted from my report dated XX/XX/2018 ( XXXX XXXX XXXX XXXX XXXX XXXX ). I did not receive a five ( 5 ) day re-insertion letter as outlined in the FCRA 611. Please delete said account immediately.
ON XX/XX/2017 THEY REPEATEDLY CALLED. AT XXXX XXXX WAS FIRST THEN XXXX, XXXX, XXXX & XXXX XXXX. I 'VE TOLD THEM I WORK THE HOURS OF XXXX-XXXX AND CAN NOT TAKE THE CALLS BUT THEY CONTINUE TO CALL. THEY ALSO CALL MY MOTHER, SISTER AND FRIEND THAT I USED AS REFERENCES ON LOAN 16 YRS AGO. MY MOTHER IS XXXX YRS OLD AND THEY CALL HER BACK TO BACK AND SHE 'S TOLD THEM TO STOP AND THEY STILL CALL. THEY 'VE SHARED MY DEBT INFO WITH ALL THE PEOPLE THAT THEY CALL AS WELL. THIS IS N'T JUST TODAY. ITS EVERYDAY
I co-signed a student loan ( NJCLASS ) for my daughter, XXXX XXXX, in XXXX. She was the first of our children to go to college and we were in unfamiliar territory when it came to financing. When my daughter left school in XXXX, she began to be contacted by her lenders regarding repayment of her student loan obligations. The NJ Higher Education Student Assistance Authority ( NJHESAA ) did not contact us, for whatever reason. XXXX began repayment with all of the other ( XXXX ) lenders and remains in good standing. We were eventually contacted by XXXX XXXX, a law firm that represents NJHESAA, and told that we were in default. We immediately explained that it was an oversight but signed the repayment agreement ( which DOUBLED the initial student loan amount ) to get in good standing. Payments have been made since XX/XX/XXXX and are current. 

Despite the fact that XXXX XXXX provides a letter showing the payments and stating in writing that the account is current, NJHESAA continues to report both XXXX and me as in default/delinquent. Both of our credit reports have been severely damaged due to this. I have attempted to deal directly with NJHESAA and they have told me they are free to report whatever they want and even though they acknowledge I am in good standing with XXXX XXXX, they will continue to report as they see fit until such time as the loan is paid in full. They are rude and have hung up on me multiple times. I have attempted to go through the credit bureaus with disputes but they have the same result. I am currently paying CreditRepair.com for their assistance in getting these incorrect reports removed, and am considering a Fair Credit Reporting Act lawsuit in the event that does not work because of the amount of problems this reporting inaccuracy causes. 

It has also prevented my daughter from consolidating her other loans for a more affordable payment because of the improperly reported payment status. I am sorry we ever got involved with a NJCLASS loan.
I have been trying to get a modification under the hamp program with my mortgage company. The first time I got it all done & it went though & I began my trial payments. Due to some personal circumstances I was n't able to make all XXXX payments so the modification fell through. I tried repeatedly after that to get the hamp redone. I was told by XXXX rep that since I fell out it probably would n't happen again. I have since then spoken to another rep, sent all my docs in again & have not received a response back. I sent an email today to inquire about my next step & was told my request was closed back in XXXX but I was never notified of this. My mortgage has continued to get further & further behind due to this & now I 'm afraid I 'm going to lose my home & do n't feel like I can get the help I need through CitiMortgage & am really at a loss as to what to do.
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

XXXX : current status is listed as Charged Off as bad debt 1 late payment reported for XX/XX/2017 XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XXXX & XX/XX/2017 Experian : current status is listed as Transferred to another lender 6 late payments reported for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2017 Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
Upon checking and verifying my credit reports, I discovered XXXX XXXX XXXX XXXX reported a new collection on all reports PF {$27.00}. I have never receievd written or verbal communication concerning this debt. When attempting to contact the debt collector using the phone number provided on my report, ( XXXX ) XXXX, it stated the number was invalid. Additionally, I am allowed under HIPAA to protect my privacy and medical records from third parties and I did not authorize XXXX XXXX XXXX to release my information to FINANCIAL DATA SYSTEMS.
I was renting a living space from an out of state landlord. I live in Florida and the landlord lives in Minnesota.I mailed a rent check to my landlord in XXXX of XXXX. The land lord called me and asked me to pay the rent to another bank that held his mortgage because this bank had no branches in his state and he did not want a late fee. He told me he would destroy the check I sent and we made the arrangement for me to pay my rent directly to his bank that held the mortgage to the rental property. Fast forward to XXXX XXXX I gave notice I was moving and paid my last months rent. After I moved out he cashed the Check that he was supposed to have destroyed. My banks policy is that checks expired at the 6 month mark, and even though this check was 14 months old they payed out on the check, over drafting my account which they are not supposed to do because I refused overdraft protection. I filed a complaint with my bank and they said even though they were in the wrong they would not refund my money. I am on XXXX and live month to month on my check
I have 2 address added to my account that are not mine and they are, XXXX XXXX XXXX, XXXX XXXX Ny XXXX and XXXX XXXX  XXXX XXXX, XXXX ny XXXX. 
I also have credit cards and website information that are not mine as well like : XXXX 2x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are all on equifax. 

And On XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   2x XXXX XXXX
Capital one credit card i never got never applied and i told capital one and they told me they would send me a form but never did, i have tried several attemts to get resoved with them but its hurting my credit and chances to get better cretit
The company left several messages over a span of a month or two. The messages were intimidating and aggressive - the recorded voice emphasized that it was important that the listener be in a private location and only be the person intended for the message. There was no reference to a specific debt the company was trying to collect. When I called the company I told them that I was not the person they were trying to reach, they did take me off their list. But based on the nature of the message and its tone, I 'm afraid they may be intimidating others, especially elderly people.
This morning my   XXXX  year old  mother and daughter in college got calls from these scumbags saying I was going to be arrested and they where looking for me or my family has a chance to settle the debt before I go to jail.
I got a letter from RCS on the XXXX/XXXX/2015. XXXX what their service did was n't fraud, but identity theft. I have file a complaint with the attorney general of texas. The lady at the attorney general office. stated to me, that I needed to file for identity theft not fraud. She also stated that I need to forget about getting my money back, she said that 's gone. I know she would n't like it if some one are these companies cheat her out of your her money. Yes! '' I did send the attorney general of texas. The contracts and the release form. Yes '' XXXX XXXX and RCS committed fraud. Not one of these companies could tell me who was the lien holder are the not holder. The reason is there 's not one. Because I do n't owe any one any thing.I will send the contract to your service in a coulpe of days.
This is the third time I have requested actual proof of ownership, proof of contract from XXXX XXXX XXXX # XXXX per XXXX XXXX  Taking assignment of Debt ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX # XXXX is in violation of both FDCPA and FRCA.
Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. XXXX phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.
my loan has been given/sold without my knowledge, i have been trying to make payment arrangements and keep getting the run around or no options let alone I did not complete school
On six different occasions, I have disputed information with EXPERIAN that is not correct. I even sent them the information from the other two reporting agencies showing them that Experian 's info is incorrect and  that I was a victim of identity theft, that I have never been late on my accounts, and that all of these reportednames they have on file ARE NOT ACCURATE!!
Company card w/XXXX XXXX XXXX BMO Harris ) - {$3300.00} Name of Company : XXXX This was a XXXX XXXX XXXX company card. I left this company XX/XX/2018. All expenses were submitted and approved for payment prior to my leaving XXXX. XXXX has not paid this expense. XXXX XXXX XXXX has repeatedly called and harassed me on a daily basis ( sometimes more than 3 times in 1 day ). I have on more than four occasions patiently explained how this was approved prior to my leaving XXXX and XXXX XXXX XXXX should reach out to XXXX. This has now become harassment. I have asked XXXX XXXX XXXX repeatedly to stop calling as I can not help any further. XXXX XXXX XXXX even suggested I pay them ( XXXX XXXX XXXX ) and go after XXXX legally. I should not have to do this. There was one day that XXXX XXXX XXXX called me 11 times! 
In addition, I was told by one of XXXX XXXX representatives that XXXX has a habit of not properly settling these types of accounts ( when an employee leaves the company ) in a timely fashion. All protocols was appropriately followed by myself with both entities.
I was a victim of the Equifax Data Breach described in the following FTC announcement : https : //www.consumer.ftc.govXXXX I learned about the breach XXXX XXXX 2017 thanks to media coverage. 

The steps I 've taken are the ones suggested in the FTC announcement : 1. I checked whether I was one of the affected individuals by visiting www.equifaxsecurity2017.com. I found out that indeed I was affected. 

2. I placed a 90 days fraud alert on my files with Equifax ( and hence, by extension, with the other two bureaus as well ). 

3. I checked my credit report for inaccuracies at XXXX. I only checked with one bureau ( XXXX ), so I can check with the other two for free in 4 and 8 months, respectively. There were no inaccuracies. 

4. I reviewed my existing credit card and bank accounts for any suspicious activity, but this was not unusual, as I monitor my credit card and bank accounts every month. There was no suspicious activity.
5. I 'm filing this CFPB report.
on  XXXX   XXXX ,    2017  i was i n a one car ac cident that resulted in my car being totaled. i had both full coverage through  XXXX  insurance and gap through  XXXX   XXXX ,  XXXX  has sent in  XXXX  checks on my behalf.  XXXX  was for {$3800.00} and the other for {$770.00}, which left a balance of {$5200.00}. My gap however is taking a little longer than expected and now after a year and a half of no late or missed payments,  JD Byeryder  is threatening me with a reprosession of a car i haven '' t had since  XXXX  if i do n't give them another payment today in which i 've already paid  XXXX  and  XXXX  for fear of this happening. I already have another car and that payment is {$320.00} and i do n't have enough to pay for both. Also, I spoke with someone from the dealership and she told me that she spoke with my gap insurance and said the {$770.00} check was from them and they said they were n't paying anymore. I told her that was n't true and that she was wrong but i am stuck on my decision because I do n't want that on my credit.
When I try to start a dispute, I get a message that my information does not match when does match my credit report. I was given access to pay {$15.00} a month for the monitoring service that lets me update my report once a month but I can not dispute the information on my credit report.
I disputed this previously reinsert deleted bankruptcy with you all. Equifax responded back to you all stated that this bankruptcy had been removed. Case number XXXX is still appearing on my file. Also, their are case numbers XXXX in which it been over seven years and should be deleted. Case numbers XXXX in which does not belongs to me as well as case number XXXX. All these previous deleted bankruptcies was removed 2 years ago do to fraud and now they have been reinsert on my file.
I have negative information from the credit reporting agency XXXX. I have disputed this Portfolio Recovery Associates account # XXXX since XXXX XXXX. I have sent them a copy of their letter with the payoff showing XXXX balance.
I am writing about a Bankruptcy ref # XXXX that is reporting on my Transunion/XXXX/XXXX credit report. I have filed numerous investigations in efforts to having this public record removed both by phone and by letter most recently XX/XX/XXXX and it came back Verified as Accurate XX/XX/XXXX. They all LIED about being able to verify the reportings. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB for it to appear in your credit file. Transunion/XXXX/XXXX has failed to update their information and per the new law the Bankruptcy does not include all the required information & should be deleted from my credit report.
My prior complaint # XXXX has yielded no results even though billions of homeowners continue ( like myself ) to be victimized by Bank of America. I am requesting information as to who is the legal owner of my mortgage? Also what securitization of trust information is connected to this loan. Complaint # XXXX. Neither I nor my attorney XXXX was offered a loan modification even when we requested one. Also the reason for denying my loan modification request.
I submitted an application to Citi Bank for a promotional offer I saw online. https : //www.citicards.com/XXXX I received a request for additional documentation including photocopies of my XXXX and payslips ( which is not a common request from credit cards and I still complied with those requests ). 

My credit score is excellent ( XXXX ) and my XXXX shows income above XXXX dollars a year. I did not receive a fair explanation of the reject letter either and I have to assume that it is discrimination.
XXXX XXXX filed a bankruptcy petition in XX/XX/XXXX. Listed private loan with Sallie Mae and the petition was signed on XX/XX/XXXX. Sallie Mae has been calling, harassing and threatening me with a lawsuit to recover the debt.

This has been occurring form the latter portion of XX/XX/XXXX until present time. More recently, they have charged off the loan. I am received harassing calls from Sallie Mae corporate indicating that if I do n't pay the balance by the end of XX/XX/XXXX, they will institute wage garnishment. I receive calls on a daily basis from XXXX XXXX XXXX from Sallie Mae Corporation phone number XXXX ext. XXXX. Presently I have a federal loan in the amount of {$96000.00} that I am repaying and I can not afford to enter into any type of arrangement of {$1000.00} down and monthly payments of over {$300.00} a month until the balance of {$3600.00} is paid. Nor can I settle the matter for an amount over amount of {$2500.00}. I am providing with this communication paperwork on they various unfair collections strategies of Sallie Mae following my bankruptcy petition.
All of the charges on the original debt should have been submitted to my insurance. The original creditor did not submit all the charges to my insurance.
I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( 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 XXXX XXXX 0 times XXXX time ( XXXX XXXX XXXX Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Phoenix Recovery Group
Please note on XX/XX/XXXX I opened up a 13 month CD with Synchrony Bank at 2.65 %. for {$1.00} million. On XXXX XXXX I noticed the bank was offering 2.75 % for a 15 month CD. I called Synchrony on XX/XX/XXXX and spoke to " XXXX '' at XXXX and asked her if I was able to change to new 2.75 % 15 month cd without a penalty. She said yes because i was within the '' 7 day grace period '' This phone conversation was recorded. I recently received my XXXX interest statement and noticed Synchrony charged me a {$500.00} penalty for early withdrawal. I called Synchrony and spoke to a Supervisor XXXX XXXX at ext XXXX who said XXXX was mistaken even though she did say there was no penalty on the recording. I escalated this to a District manager XXXX XXXX in XXXX Kansas on XX/XX/XXXX and he said the bank made a mistake and " XXXX " was wrong but the would not refund my {$500.00} Penalty.. P ; ease help me obtain a refund of my penalty..If I was advised there was a penalty I would not have changed CDs. Thank You