WillisBack/dataset-financial-user-claim huggingface dataset:
Company name is First Financial Resource, amount for {$1600.00} and {$2600.00}. I have sent collection agency a debt validation several time with no response and collection agency reported this to my credit reporting agency. This two item is not mine.
When obtaining and reviewing my XXXX  credit report I noticed an inquiry that I did not recognize nor initiate with Bank of America in XX/XX/2018. I initially contacted XXXX  and was advised to contact the company listed on my credit report.

I have since contacted Bank of America to get more information about this inquiry made to my personal credit report without my knowledge.

It was stated by Bank of America that the inquiry was made with a third party company. I have not authorized any such inquiry to my personal credit files.
Experian shows that I made a late payment on a XXXX XXXX XXXX mortgage account ( XXXX acct number ) onXX/XX/XXXX2014. This information is incorrect, I disputed the late payment reported by XXXX XXXX XXXX ( XXXX ) through the CFPB earlier this year, and XXXX agreed that it was an error, and provided all 3 credit bureaus an update to show that the payment was n't late. XXXX and XXXX correct their records, but Experian has n't made the change yet - and I personally made them aware of the error through a dispute a few months ago, and they still have n't corrected the error. The error has has made it difficult for me to obtain interest rates I need to get a refinance of my current property, and obtain other financial loans that I have been seeking this year.
I requested a copy of my credit report with all 3 major bureaus, and found erroneous information being reported by Portfolio Recovery. I am unaware of how they've obtained my personal information without my authorization/knowledge. 
In attempts to resolve the issue I mailed a certified letter on XX/XX/XXXX asking the agency to VALIDATE the alleged debts owed on said accounts ( 2 ) under the Fair Debt Collection Protection Act. I requested the agreement that I signed, the original contract, a copy of their state license for Maryland and a full calculation of the balance and payment history. 
I was provided a one month billing statement from XX/XX/XXXX-XX/XX/XXXX. 
This is not sufficient and doesn't prove obligation to the alleged debt. I am disputing this debt. 
They are also reporting delinquent /negative information to all 3 credit bureaus and I am requesting they be immediately deleted.
OnXX/XX/XXXX, Equifax was breached and leaked sensitive personal information. 

The breach lasted from mid-XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

Using the website setup by Equifax : https : //www.equifaxsecurity2017.comXXXX They have confirmed my personal information may have been impacted by this incident. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

Finally, they are making money from this situation by charging for credit freezes to be placed on the accounts of those affected.
I recently got my credit report which showed my credit scores. XXXX and Experian 's have gone down XXXX points. I have been trying desperately to reestablish credit since a medical bk and foreclosure as I know how important good credit is. I have over the past 3 yrs purchased a home & opened up credit cards, paying them off immediately. I recently refinanced my home & bought a new car. I shopped around & it is my understanding that I could shop around for 30 days & those inquiries which were for the same thing & done within 30 days of each would only count ONLY as XXXX. Apparently this is not happened according to XXXX. I have several refi inquiries & also auto inquiries which I do not believe has been fed properly to XXXX who is determining my credit score. I need to get this straightened out so that my score can improve. The credit reporting agencies say I can not dispute a Inquiry. They say I must contact the company on the report ; find out who made the inquiry ; contact them and either ask them to remove it if it were in error or if it was not authorized by me. I have done this with several. Please note XXXX had pulled my credit on XXXX & XXXX /out my permission They say they will remove same. Others say they ca n't do it..So I am at a loss at what do do as each XXXX is XXXX points and is adversely affecting my credit Note : 1 ) XXXX pulled for XXXX Mortgage XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX for refi within 30 days 2 ) XXXX pulled for XXXX Mtg XXXX/XXXX/XXXX & XXXX/XXXX/XXXX within 30 days 3 ) XXXX pulled for XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX Store XXXX/XXXX/XXXX for auto loan -- XXXX XXXX had pulled it as well on XXXX/XXXX/XXXX all within 30 days ; XXXX Bank which is NOW XXXX Bank had several different inquiries : XXXX Bank had XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX pull it XXXX on XXXX/XXXX/XXXX which seems crazy to have it pulled twice on the same day!!! I just spoke to them They are writing a letter to credit bureaus to have them removed as they did NOT have my authorization to do so after checking their records. 
I am frustrated because I ca n't dispute these with credit reporting agencies, many of the companies I call do n't want to remove them ; I ca n't get help from XXXX who is the ones that report the scores ; and I ca n't get help from the reporting agencies who feed the info to XXXX -- YET my credit is getting damaged and there is no one to turn to. Please research this let me know how to best proceed and if in fact some of these can be deleted.
I NEVER lived in California. I have demanded for them to remove the CA. listed. They will not do anything
I have submitted numerous loan modification packages to Nationstar Mortgage and keep receiving requests for additional information even though Nationstar has received complete packages. I do not have a specific customer relations manager assigned to work with me. When I call I am transferred to whatever worker is available.
In 2009 I moved from on post government housing to a new home and transferred my home phone to my new residence. A few months after I started receiving letters from XXXX stating I had a outstanding bill. I explained that my account is still active that I only transferred my line and my account was current. I did n't hear anything else from them reference my bill. About 6 months later I started receiving mail from MIDLAND FUNDING stating they were attempting to collect a debt. I informed them that I still have verizon services and current with my bill. The rep stated that they 're only trying to recover the debt. I asked not to contacted any more about the account and would deal with XXXX myself. I tried several times to get someone at XXXX to find this mysterious bill with no luck. In XX/XX/XXXX I deployed and came back to more letters from MIDLAND FUNDING trying to collect the debt. They said I owed over {$300.00} but was willing to let me settle for a little over {$200.00}. So I gave in and just paid them because I can not allow any negative hits or collection on my report due to the nature of my job. I just recently sat down with my financial planner and on my Experian credit report there is a collection on there from MIDLAND FUNDING which I paid the settlement amount in XX/XX/XXXX. I 'm really upset at the fact that I paid a bill that no one could give me information about. MIDLAND FUNDING is being held accountable for placing this on my report and it does n't reflect that I paid their settlement offer. I tried to do the right thing by contacting XXXX in regards to the debt but no one can answer or find my information. I would like for MIDLAND FUNDING to remove that collection from my report because I do n't believe it was owed and I paid the settlement almost 3 years ago. This is negatively affecting my credit score and can effect my job security. I appreciate any assistance you can provide me. 

RegardsXXXX XXXX XXXX XXXX
On XX/XX/XXXX I made a call in to XXXX by Goldman Sachs Bank to close out a Certificate of Deposit Account prior to its maturity on XX/XX/XXXX. As a result of this call, I have the following complaint. 

COMPLAINT : During the call, the representative said that the account had paid enough interest that an early withdrawal penalty would not be taken from the principal of the account. This was troubling to me as I did not recall seeing that early withdrawal fees could be deducted from the principal of a CD account. Upon inspecting the Deposit Account Agreement ( LINK 1 below ), I found the following language on PDF pg. 7 : `` An early withdrawal penalty could result in the reduction of the principal. '' ( This line is underlined the in the attached screenshot ) XXXX  ' `` High-Yield Certificate of Deposit FAQs '' page specifically the subsection titled `` What fees or penalties are associated with my CD? '' ( LINK 2 below ) is a near duplicate of the relevant section from the Deposit Account Agreement but omits the line regarding principal reduction. I find this omission dishonest and misleading to consumers. 

I submitted the complaint above verbally to a different customer representative at XXXX via phone call. 

LINK 1 : XXXX : XXXX LINK 2 : XXXX XXXX XXXX XXXX XXXX
I have disputed acct XXXX for credit bureau associates and requested they validate the debt by sending copies of the documents they have in their files that were use to validate this debt not simply responding with *verified yet they keep reporting it on my credit report i know it will automatically fall off on XX/XX/XXXX but this does not belong to me
We had a mortgage loan with ocwen loan servicing llc, we sold the house and pay off the loan at the closing day XXXX XXXX 2015, the same time, we paid all our property taxes, but ( 1 ), ocwen loan llc still withdraw our monthly payment from our bank, after we made several calls, they wired the payment back to our bank but costed us {$30.00} wire fee ( we asked to send us a check ), we asked them to respond for the {$30.00} wire fee, they have not respond yet. ( 2 ), after we payoff our loan, there are {$2700.00} in our escrow account, but ocwen only return us {$330.00}, short {$2400.00}, ocwen said the {$2400.00} paid to XXXX county taxes, but on the closing day, we already paid full taxes, and the closing day is not the day they pay any taxes, now they own us {$2400.00}, we made many many calls, they still do not return our money, and we already called our county tax department, they have not received this payment and will not take it, please help us to get our escrow money {$2400.00} back, every time we call, they say they are working on it for us keep waiting, the escalation officer XXXX never answer our call and return our voice mail.
AFNI- XXXX . - Reported on  XXXX   XXXX ,  2013  {$300.00} Item Results : Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report.
XXXX has supplied ( via Chase.com ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF. 

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called Chase multiple times and they have forwarded my complaints to XXXX. I called XXXX  multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.
We to local Wells Fargo Bank in XXXX to refinance our home. We completed the paperwork and the mortgage manager looked at it and made us pay. {$500.00} to start process. He said it look great and they would call us back if we need to come back to do more paperwork! 5 days later a Denial Letter came in. They said they were sorry and they were keeping our {$500.00}. Dollars. No explanation. That day the had 10 others apply for a refince mortage and everyone was denied. I found out years later that the local Wells Fargo has been scamming Military Families for years. We look back and really felt that we were spam also as a military family!
Contacted my mother serval times about my debt and gave her every single detail to the debt. Also told her she needed to pay the debt when she was not listed on the lease. She was listed as a emergency contact. Advised the company several times that she was n't on the lease. They continued argue with me about it. Saying she signed the lease. I spoke with the original creditor who also advised me that my mother was only listed as emergency contact as well. She said she would talk to them.
I received an offer from Chase Bank to refinance my existing loan with them for no closing cost. I submitted all the necessary paperwork as requested by Chase. I received a letter dated XXXX/XXXX/2015 stating that they closed the loan application because they did not receive the additional information they requested. The loan officer failed to communicate with me on the steps to take for any additional information needed. I spoke to the loan officer on the phone on Monday, XXXX XXXX, 2015. He stated that he could reopen the loan but there would be closing cost involved. This is not fair because the loan officer failed to communicate with me concerning my loan, now they are wanting me to pay closing cost to refinance. Chase should honor the original loan application due to the failure of the loan officer inability to communicate with me in a timely manner concerning this loan.
I have tried cancelling a credit tracking subscription with Experian multiple times with no success.

I emailed them on XX/XX/2018 requesting they cancel my account. I emailed them after calling them multiple times on that date to cancel my account.

When I called to cancel I was led through automated prompts to cancel. When I finally reached the prompt to select Cancel, I was told by the automated response that I do not have an account with them, which I know I do and for which I am charged {$24.00} each month.

I have wanted to cancel this for months and have had no success in doing so, and I do not know what to do now.
I disputed a debt to XXXX XXXX XXXX  regarding a XXXX cell phone bill. I explained that I was part of an ongoing billing dispute that was being reviewed by XXXX 's corporate office for 1.5 years. Eventually, the company issued a credit of over {$700.00} to me in XX/XX/2017 but that did not fix the ongoing problem. XXXX reassured me that they would issue the credit to my account. However, I received notice that the bill was sent to a collection agency. I called XXXX who issued an additional credit and told me that they would remove the account from collections. We reached a billing agreement and I paid the difference after they issued the final credit. The payment confirmation number is XXXX had a representative from XXXX call the collection office with me to explain that my account should not have been sent to collections but the collection agency refused to speak with the XXXX representative XXXX The account was removed from my credit report but have recently reappeared. If this matter is not resolved I am going to seek legal counsel to assist me. I am in the process of applying for a mortgage and I am unable to because this keeps reappearing on my report. I feel like my rights have been compromised.
According to its website, Equifax 's recent cybersecurity breach resulted in the theft of my personal information. As best I can tell, the hackers have gained access to my name, address, social security number, date of birth, and possibly other personally identifying information that would be useful for identity theft. I have placed an initial 90 day fraud alert on my credit report, but there is little else that I can do at this point to prevent identity theft.
I have an alleged medical debt in the amount of {$6300.00} reporting to my credit currently by XXXX XXXX XXXX, in error. I have attempted to dispute this matter with the agencies as well as I have requested validation on this account. This has been falsely reporting to my credit report and has caused major damage to my score. Please note that I was unemployed from XX/XX/XXXX- XX/XX/XXXX of 2016 and did not have any funds for any of my bills at the time. I fell behind on everything from my car payment, which was eventually repossessed, my credit cards went into default ( however XXXX XXXX worked well with me and I am proud to say I was able to get it taken care of ), my insurance lapsed, as well as I was unable to come up with my rent during this time. I was also in school at the time and was having to find ways back and forth to ensure that I would not fall behind on my education. I am doing the very best that I can but do not know what to do at this point. I am attempting to work on my bills but do not find it fair that I would be responsible for things that are not mine. Please help me get this matter resolved. I do not want to result to litigation regarding these types of matters but I do n't know if I have any other choices. Please tell me what I should do????
I have disputed this account with Equifax and the only response I get is verified. I ask XXXX XXXX/XXXX XXXX for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.
yesterday i looked at my credit report and noticed that there was hard inquiries placed on my account that i did not authorize. I have sent letters to the companies asking for verification and they have decided not to answer this in the 30 days permitted by law. I called equifax and and asked to speak with a special fraud agent in the united states about the account,. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less ). I finally spoke to a representative and he claimed that he would remove them if i placed a lock on the account which i was very in favor of. The lock was not added and the accounts are still there
Tried to apply for a joint account at XXXX XXXX. Didn't give me option to add his information and went to credit terms agreement. I didn't click on submit because it wasn't complete without his info. They still pulled my credit on the incomplete application and denied me. Application number # XXXX. Called two different numbers but they would not correct application. Wanted to me to go to a dealership to correct. So they pulled my credit without my authorization and denied me. Negatively impacting my credit score. I'm sure I'm not the only one stuck like this. They have a problem with their on-line application process they need to fix since it submits application regardless if you accept their credit application terms or not.
My school loans were originally with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I  consolidated a few of my loans. In XX/XX/XXXX XXXX XXXX reported to the IRS that my loans had been Cancelled/Discharged and a balance of {$3000.00} was forgiven and counted as income. Being in the Military, I did not receive the notice of the loans being discharged. In XX/XX/XXXX I was notified of the Cancellation/Discharge of my school loans and told that I owed taxes on the {$3000.00}. I called the IRS, Called Navient ( because by XX/XX/XXXX they were saying that they took over my loans and that is who was emailing me about my loan payments. ) I handled everything with the IRS shortly after getting the notice and it was taken care of. When I contacted Navient about the loans being Discharged, I was given a print out from Navient stating my original loans dates, the statue of the loans, the amount of the loans, the outstanding balance on the loans and what type of loans they were. On this document that I received from Navient on XX/XX/XXXX, it clearly stated that the statue of all of my school loans were PAID IN FULL and the Outstanding Principal on each loan was {$0.00}. But yet Navient is still trying to tell me I have to pay on these loans that had already been PAID/Cancelled/Discharged, and are reporting on my credit as delinquent with an outrageous balance AND continuing to take money when I file my taxes and taking money out of my pay checks. I have been going back and forth with them for 4 years now about this issue and they are extremely rude and ugly on the phone, are of ZERO help, and just making the problem worse! I am currently working with an attorney to get this issue resolved.
XXXX called my work and told my fellow employee, after he was told I was not there and that I can not take personal phone calls at work, that our corporate office had given him the number. I called and verified that our corporate office did not give him my work number. He called again a day or two later and asked for me even after he had been told I can not accept persona phone calls at work when he had called before. He was told I was in assisting with a XXXX and could not come to the phone. He then proceeded to ask my fellow employee if I could just come to the phone for a min. I was in a XXXX and my boss was appalled by his request. He then proceeded to lie and say that my dad had given him my work number as a contact number. My father said he never has given my work number out to anyone ever. This company is putting my job on the line and not following proper debt collection rules.
On Thursday XXXX XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.