WillisBack/dataset-financial-user-claim huggingface dataset:
Representatives from Premier Holdings of XXXX, TX have contacted my mother, father, and myself on several occasions over the past several years threatening possible legal action and garnishment of wages for non-payment of a private student loan with XXXX XXXX. 

They were informed each time that the loan had been settled and to not contact myself or family members again. My Father is not associated with this paid loan in anyway. However, Premier Holdings threatened possible legal action against him even though he is not associated with this debt. In addition, they have been harassing him for years with unwanted phone calls and letters regarding this matter. 

Premier Holdings Info XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account manager : XXXX XXXX Account manager 's contact : XXXX Account manager 's Rep Id : XXXX Loan Information : XXXX XXXX Private Student Loan Account # XXXX, XXXX, XXXX Amount : {$4200.00} Settlement date:XX/XX/2010 Settlement Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
About six months ago, Equifax deleted XXXX auto loans I had from my credit report before the loans were paid off. On XXXX XXXX, XXXX I contacted Equifax about removing XXXX XXXX XXXX accounts that were originally opened in XX/XX/XXXX. Equifax informed me there was activity on the accouns in XX/XX/XXXX, therefore could remain on my credit report for seven more years. Now, they want remove these XXXX negative accouns that are over 20 years old, but they remove accounts that are n't even paid off yet. How is this not against the law? The auto loans were thru XXXX XXXX XXXX
Around XXXX, I sold a pair of XXXX headphones via XXXX. I sold it to a man for about {$190.00}. He paid me via paypal and asked me to send it asap as it was his brothers birthday present. I understood of course, so I sent it as soon as i could. Of course, I didnt know that it was a pending payment, not yet fully received in my account because as soon as it was shipped, the buyer canceled his payment. I tried calling XXXX and they said there was nothing they could do ; i was scammed. I tried calling paypal, but i was put on hold for 30+ minutes multiple times. I tried the call me back function several times and I was never given a call back. I tried filing a dispute on the Paypal website but it said lets try that again. Looks like something went wrong on out end. I tried multiple times on all browsers ( XXXX, XXXX, and XXXX ). I finally tried emailing their customer service but they just sent me a generic message saying that it was the " transaction was not eligible for PayPal Seller Protection '' and recommended I just file a complaint to the XXXX, which I have already done, and have yet to hear from either. Overall, it has been impossible to contact Paypal, and they have done absolutely nothing to even try to remedy the situation.
I purchased a car   XXXX   XXXX   XXXX   on  XX/XX/XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Unbeknown to me a the time,  XXXX  transferred my car loan to  Suntrust  Bank. After quite a few problems with the car, I decided to trade in my car and purchase an  XXXX  ( more reliable car ) from   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX   XXXX   , and offered my  XXXX  ( loan held wit h Suntrust )   as a trade in.  XXXX  contacted  Suntrust Ba nk twice to enquire payoff amount on the SLK ( on t he day I thoug ht of trading in the car and the actual day of the trade in ( which is weeks apart )  XXXX   was to ld by  Suntrust that the p ayoff amount was {$25000.00}.  XXXX  paid the amount requested fro m Sunt  rust Bank and Suntrust Bank filed a lien satisfa ction to  XXXX  for the  XXXX .  Suntrust Bank later co ntacted  XXXX  and outright lied stating that they did not say {$25000.00} they said {$35000.00}.  XXXX   XXXX   XXXX   XXXX , told  Suntrust Bank  that was NOT the amount they stated and advised Suntrust Bank to listen to their voice recording and not to tamper with the recording ... or else.  Suntrust Bank later g ot back to  XXXX  and told  XXXX  that they DID, indeed, said the payoff amount was {$25000.00} . Suntrust Bank  then contacted me for {$10000.00} which I knew I did not owe as I only had the SLK for under 24 months, not 72 months, and  XXXX  had already paid the payoff amount requested by  Suntrust Bank an d my obligation was satisfied. The only amount owed by me was to  XXXX  for the  XXXX .  Suntrust Bank th en filed a lawsuit against me for the {$10000.00} and after realizing they had a " losing case, '' as I had all the pro of. Suntrust Bank requested a v oluntary dismissal from my attorney. This dismissal took place on   XXXX   XXXX   XXXX  . However, since that time  Suntrust Bank has r efused to remove my name from the major credit reporting agencies which has damaged the excellent credit rating I had prior to  Suntr  ust Bank incompetence. Suntrust Bank also sent me a  Cancellation of Debt (  XXXX  ) for the {$10000.00}, and I paid the taxes to avoid any problems with the IRS.  Suntrust Bank is an inept, inco mpetent, repulsive bank with numerous amount of online customer complaints which proves just how unfit this bank really is.
In XXXX XXXX 2015 I requested information from Navient regarding my options for students loans. I had previously lost my position at the company I was working with and was struggling to pay my student loans. When I contacted Navient I was told that my only option would be to pursue a forberance which would extend for three months and that if needed I would be permitted to file a second forberance. When I filed for the foreberance I was told that I would need to pay a fee of {$50.00} per student loan. Together this amounted to {$150.00} which was the same amount of my monthly payments. When I asked about income based repayment I was told that this was not the best route for me to pursue. 

I find that having to pay a fee for the foreberance period a bit troubling as it was not a full three months as they were basically taking a student loan payment at the time and still charging me interest on the account.
I have not received a statement from capital one in over 2 months. This is not the XXXX time I have had this problem with capital one. They now have reported my account 30 days late to the credit bureaus causing significant damage to my credit because of their lack of customer service and integrity. I have a security clearance for my job and because capital one is inept with providing me statements this is now in jeapordy.
This writer had an account with XXXX XXXX XXXX in XX/XX/XXXX and canceled said account within the time line stated in our agreement with XXXX XXXX XXXX. XXXX XXXX XXXX saw their error and corrected said error. The case number with XXXX XXXX XXXX is XXXX. ( See attached email document from XXXX XXXX XXXX ) However, before the correction was done XXXX XXXX XXXX forwarded the account to Sunrise Credit Service ( XXXX    ) a collection company. XXXX   was informed by XXXX XXXX XXXX via email that this account was not owed by this writer and was sent in error to XXXX. 

This writer phoned XXXX   on XX/XX/XXXX to have them remove this collection account from all my credit reports ASAP. XXXX  refuses to discuss said account with me since they no longer  have the account, and refused to purge said collection account from all my credit reports, even though XXXX  was instructed to purge said collection account from this writer 's credit reports ASAP by XXXX XXXX XXXX.
I received paper work from my place of work that I had a wage garnishment. I looked over the paper work and the creditor sued me in XXXX XXXX county. I have never received a letter that I was being sued, and I never lived in XXXX XXXX county nor did I take out the credit in that county. I have always lived in XXXX county and took out the debit in XXXX county.
See attached files. BB & T granted immediate online approval of a 3rd party check for deposit into our personal account via BB & T online banking app ( where they admit technical flaws ). My wife was victim of an articulate online job scam. BB & T approved the check immediately and my wife XXXX XXXX XXXX XXXX took {$870.00} cash out next day to deposit in 3rd party account with XXXX XXXX Bank ( who has now frozen that fraudulent account and funds ). 3 days later ... BB & T notified us our account was drastically overdrawn b/c the check was a scam ( they told us 3 days later! ) and are now trying to hold us responsible for the bad XXXX XXXX check that should have been verified/checked by BB & T immediately. They still have not returned our missing {$190.00} from my account and are trying to hold my family responsible for the negative balance of - {$780.00}. I 've requested details and meetings with BB & T fraud and VP to no avail. Contact XXXX XXXX or XXXX XXXX at XXXX.
I have several hard inquiries from chase bank for credit applications that were fraudulently completed. I have spoken to the company on several occasions resulting in them saying the inquiries would be removed. Five of the inquiries are still there. The company has confirmed that the credit applications were fraud, and were being completed through XXXX but they still have not removed the inquiries. There have been 7 inquiries over the last year. 2 have been removed but 5 are still showing. Chase Bank has lied to me several times about removing them. I have never applied for anything from them, or through XXXX. 

Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX Chase Card Inquiry from XXXX XXXX, XXXX
My Experian credit report shows a write off on my Wells Fargo Dealer Services account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX as well as XX/XX/XXXX XXXX and XXXX XXXX. I have made repeated attempts to clear this up. The account was paid in full in XXXX XXXX with no late payments or write offs. The account was opened in XX/XX/XXXX XXXX for a 48 month car loan. I received the tile release and a letter stating the account was paid in full in XX/XX/XXXX. 
Now they are claiming write off? I have called and written Wells Fargo and they tell me they do not know. There is no way after sending a paid letter and a lien release that they would write off something in XX/XX/XXXX and XX/XX/XXXX.What car loan company send a title release when the vehicle is not paid for?
I XXXX XXXX applied for a home modification from specialized loan servicing, and was approved.they gave me a three months modification, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, still paying.the repotted to credit buereau that I was three months late ' the company is specialized loan services I called them and they said it will stay on - my credit report I never was late.i was in a modification XX/XX/2017-XX/XX/XXXX and XX/XX/2017.i was told that after modification my account would be updated. 


XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 
What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is  accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the  consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

Further More the account in question or rather the company they are saying I owe I do not it was covered and paid by my insurance company.
The Equitable Acceptance Corporation fraudulently obtained my information from the XXXX XXXX company. Both XXXX  XXXX and the Equitable Acceptance Corporation contacted me in correlation to my student loan debt which are through the XXXX XXXX XXXX. After further research, both companies have proven to be fraudulent and are in no way associated the Department of Education and the repayment of my student loan debt. There has been an inquiry and " credit card '' balance added to my credit report, which has drastically degraded my score. These companies knew that they made false accusations to obtain my information and could not resolve my student debt. They have produced false documentation and false information under my name.
I 'm writing regarding a lien which was released and withdrawn by the XXXX on myself and my wife XXXX XXXX XXXX. The lien was recorded on XXXX/XXXX/XXXX, released on XXXX/XXXX/XXXX and withdrawn on XXXX/XXXX/XXXX. On XXXX separate occasions, my wife and I requested the lien be removed from our Equifax credit report. XXXX times Equifax refused to remove such. Today I called their toll free number and was told that it could not be removed until XXXX. 
Respectively, this is unfair and unacceptable. Upon notification of the tax withdrawal, both of the other credit rating companies completely removed the adverse information from our reports. I am hereby requesting your assistance in removing the information from my and my wife 's Equifax credit report as soon as possible.
I had a Capital One card with my ex husband that I thought was closed in 2015. All of the monthly bills were not being sent to me, instead they were being sent to an address that my husband had set up. He purposely maxed out the credit cards and made no payments on them. This was by no fault of mine and had no idea that the account existed. I have made repeated attempts to go thru the fraud department with Capital One to have my name removed from the account as well as attempted to have the bureaus remove the item from my report as well. This is my last hope as it is affecting my ability to purchase a home.
I disputed some information on my credit report and it still has not been fixed. 
XXXX XXXX XXXX -- - this needs to be removed. this is not me. 
Name identification number : XXXX XXXXName identification number : XXXX -- this needs to be removed -- this is not meXXXX XXXXName identification number : XXXX - this needs to be removed ... this is not meXXXX XXXXName identification number : XXXX -- this needs to be removed. this is not meXXXX XXXXName identification number : XXXX - this needs to be removed. this is not meEmployers : UNEMPLYED -- REMOVE -- NOT MEXXXX XXXX - REMOVE - NOT MEXXXX XXXX - REMOVE -- This is not meAddress : XXXX XXXX XXXXXXXX XXXX identification number : XXXX -- REMOVE ... this has never been meAddress : XXXX XXXX XXXX, XXXX XXXXAddress identification number : XXXX -- REMOVE ... this is not meIdentification Number : XXXX -- this needs to be removed. XXXX years oldJudgment in favor of XXXX. XXXX -- Remove this.. I am no longer liable for this. 

The following accounts needs to be removed asap. I am no longer liable and they need to be deleted from my record asap. 
XXXX XXXX XXXX
I am no longer associated with these addresses or have I ever been associated with these addresses. 

XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX   XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
I filed for bankruptcy and the debt was discharged in bankruptcy ; yet the company continues to call me multiple times a day. I have asked the company to stop calling me and have informed the company that the debt was discharged in bankruptcy but the company continues to call me. This is a consumer debt and not a student loan.
In late XXXX Citi reached out to me to question some suspicious charges on my Citi XXXX I confirmed that the charges were not mine and that I had never heard of the vendor. They told me that they would back the charges out and credit my account. When I received my next statement I noticed that there were more fraudulent charges on my card totaling over {$7000.00}. I also noticed that some of the charges that Citi had called me about were not yet credited. It took XXXX calls to Citi and then several hours of my time to review each charge with their phone rep, confirming which were fraud and which were not. I was told that it would be 4-7 days for those charges to be backed out due to the high volume of work they had due to moving the Costco Cards into their system ( Not my problem ). Ten days later, the charges still had n't been removed. I called, emailed and finally reached out on XXXX XXXX. The social media team took my information, including the log of all the fraudulent charges. Two days later, I received a confirmation that the charges had been credited and the ticket closed. A month later I opened my statement and noticed that XXXX worth of the fraudulent charges were rebilled to my account. I called Citi to ask why. I was on hold for about 30 minutes and then when I finally demaned a manager, I was told it was was because I never talked with a fraud manager to answer some additional questions. I told them nobody from fraud had reached out. They said it would be 1 - 2 days to be me more information. When I finally heard from them, it was via an emailed PDF with no way to actually talk to anybody. The PDF letter referenced XXXX of the XXXX fraudulent charges and said it was re billed because the vendor had already credited the charges. I explained to them that the only credits on my account were from Citi, which were later re billed. There were no credits from the vendor. They said it would have to go back to the fraud dept and to allow 1 to 2 days. It 's been three weeks and Citi has yet to have anybody from their fraud department call me. I 've emailed, called, and once again reached out via social media and even fax. I did received XXXX PDF asking me to confirm that XXXX transaction was n't mine. That appears to have been credited but the same day, I received another PDF saying yet another transaction was going to be re billed. Meanwhile thousands of dollars in fraudulent charges are on my card balance. Every time I call, I 'm told it 's with fraud and they need 1 to 2 days to get back to me. Three weeks is hardly 1 to 2 days. At this point the only fraud is from Citi. The fact that they can arbitrarily put charges on my card, with no justification of their reasoning and then hide behind their customer service department is shameful. The next step is to contact an attorney. More money wasted. XXXX help the Costco customers whose Credit Cards were just moved to this fraudulent, inefficient, useless corporation.
I do not know who this creditor is or why I would be in collections for it. I am afraid it might be identity fraud because My identity has been stolen in the past on multiple accounts.
" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
On XX/XX/XXXX i got an alert that I authorized an credit check with XXXX/XXXX for an account. Which is impossible. I was sick in bed. I called XXXX to clear it up the were very understanding could not find anything. I call Experian who put it there they absolutely refused to do anything and said it would stay on until XX/XX/2020. XXXX said they saw no where in there files where I seeked a credit application.
Mortgage was sold from XXXX to 3 different companies and wound up with BBandT. 
Each time mortgage was sold i was in a loan modification. I had just completed a loan modifi ation with bbandt on XX/XX/XXXX. Then without notification home was put up for foreclosure and bsnk bought it on XXXX XXXX, 2017. Found out by neighbor who saw it in the paper.
I currently have an account with capital one that is current to this date and also active however there was a phone call made on my behave that was suppose to set up auto pay I spoke with an agent and this request was allegedly executed mean while I received an alert from credit karma that informed me that my account was over thirty days delinquent reported in the month of XX/XX/2018. I spoke with another agent about this matter they apologized credit my late fees back and also said that the delinquent reporting would be removed. Now Im getting the run around and the company is saying that they cant find the recording all I would like out of this is the delinquent reporting to be correct because I was very diligent and proactive when it came to this matter. I knew I wanted my account to be enrolled in auto pay because of the XXXX XXXX XXXX XXXX which is a veteran and I needed some XXXX to help me cope with this XXXX XXXX. In addition I understood I would not have had time to manually make payments to account and again I do dont want any for free or a handout I just would like my account status to be reported correctly because botched auto pay sign up thank you
This is a complaint against XXXX XXXX, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.