WillisBack/dataset-financial-user-claim huggingface dataset:
Yes I apply for a security freeze to be place on my credit file to LexusNexis, and it was place successful with no problem. So my husband was told to place a security freeze on his reports as well. Ok I receive my pin and all. I receive a call on today, that Lexusnexis remive my security freeze wuthout premission. I was told it was issue in error. I been a victim of someone keep applying for credit in my name. Also I have a relative with the same name and her credit is also been added to my file.
I called Experian spoke with XXXX in Disputes twice with no resolution. 

I asked does filing a dispute affect your report before the dispute is settled. XXXX told that the question was out of his scope and his Supervisor would not come to the phone as it was out of their scope as well. XXXX transferred me to Experians membership department because according to him they're the only department who can answer question regarding what affects scores.

At the membership department I asked the same question 'at Experian does filing a dispute negatively affect a credit score? '' I was advised to contact a credit  advisor and was transferred back to the disputes department and the same rep XXXX answered the phone. I asked for a supervisor then someone named XXXX came to the phone which sounded like the same person trying to us a different voice. 

I asked XXXX to tell me any new negative reportings for the last 2 weeks. He confirmed what I suspected which was nothing negative had been reported on my report any time recently. 

My only recent activity is filing a dispute on XX/XX/2018 which is still open. 10 minutes after I submitted this dispute my credit score dropped 20 points. ( XX/XX/2018

), again with now new or even recent negative reportings or activity in my credit file.

I contacted a professional credit counselor as advised by Experians membership department and they further confirmed that there was no activity that would have caused this drop in my score.
I have never had such medical bill. I have never visited medical facility in the mentioned place. I just saw the derogatory marks in my credit report XXXX morning and that to XXXX bills from same place.
On a past mortgage account I had with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, there was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called XXXX XXXX and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on XXXX XXXX due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on XXXX XXXX and their guidelines state that they will correct any errors that occur on their behalf.
I have received 3 calls from IQ Data / XXXX XXXX XXXX company on XX/XX/2018 at XXXX XXXX, XXXX XXXX  and XXXX XXXX about my move-out bill from my the XXXXXXXX XXXX/XXXX XXXX. that I declined to pay and asked an adjustment from them. The agency representatives threatened me to move my file forward and to affect my credit score because of this inaccurate bill. I have already filed a complaint to the attorney general 's office about the adjustment of this bill and waiting for a response. However, I want to complain about this collection company because of their threatening and disrespectful call. Please see attached my emails to the property to fix this issue and my documentation that I left the house without any damage. I am not accepting the carpet replacement fee and asking for an adjustment of XX/XX/XXXX utility bill since I left the house on XX/XX/XXXX and only used the utilities for 9 days however been charged for the whole month. I made all my payments on the due dates until my move out and I am not accepting any debt that is declared to me after my move out without any documentation or proof. Although, I have my move out inspection shows that everything was okay at the apartment after my move out. The collection agency 's information is : XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX Thank you.
On XX/XX/XXXX payment was made of {$3500.00} .. then they done a payment correction of {$3500.00} on XX/XX/XXXX..they added {$3500.00} to my balance,, I called they told me they would correct this.. then again they did a payment correction of {$3500.00},, when they did the correction they added {$7000.00} to my account .. i called 4 times they told me my XXXX went to another account i have no other account?? with interest charges and other fees my balance went from {$3200.00} in XX/XX/XXXX to {$1100.00} in XX/XX/XXXX
Portfolio Recovery Associates is reporting a debt on my SS # in the amount of {$720.00}. 
I do not, nor have I ever, had an account with Portfolio Recovery Associates. I want them deleted from all three credit bureaus. The company Portfolio Recovery has placed their information on my social security number and it's causing great harm to my credit report. 

On XX/XX/2017, I sent a letter certified mail formally requesting validation bearing my signature showing that I have some contractual obligation to them. A representative from their company signed for this correspondence of XX/XX/2017. I received a letter dated XX/XX/2017, stating that this account had been validated and they were enclosing documentation. They only sent me copies of some invoices from a different company. They did not provide me with a contract bearing my signature to either company. 

XX/XX/2017, I issued another certified letter that was picked up by a representative of theirs by the name XXXX  XXXX  on XX/XX/2017. This letter informed them that they failed to provide me with copies of viable evidence that I have a legally binding contract with them. I also let them know that I would be contacting the Consumer Financial Protection Bureau. 

I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2017, stating that they had reviewed my dispute and responded previously to the same dispute. They stated that no further replies would be forthcoming unless I provide them with new information. Their office considers this matter closed. They are willfully being noncompliant. 

I do not, nor have I ever had a binding contract with Portfolio Recovery Associates. This is damaging my credit and I demand them to remove this from my credit file. This is a violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and a violation of the Fair Credit Reporting Act ( including but not limited to Section 623b ).
XXXX XXXX XXXX is attempting to collect a debt that they purchased from Barclays Bank Delaware. I have never entered into a legal agreement with this debt collector.
I paid this medical account in full with the original creditor ( XXXX Medical Center XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.
Citi bank reported delinquent payments that damaged my credit standing on an account that they never furnished me a hard copy of the statement for. I kept getting emails telling me to log into their site to see the account but kept telling them I could n't because I no longer had the card and the log in required it. They would not provide me with the full number of the card and in spite of my requests whenever we talked on the phone ( today being the most recent ) I have NEVER seen the statement. I filed a complaint with CFPB that resulted in them removing late fees and I did pay the amount to stop the damage to my credit standing but today was told they would not correct the information sent to the credit reporting agencies and again did not offer to send a hard copy of the statement showing what was purchased.
I have never done business with RS Clark and Associates. I do not have a signed contract with RS Clark and Associates. I am not liable for any debt from a company in which I have never done business with. I have send a debt validation letter to RS Clark and Associates on XX/XX/2018 and I did not receive any substantial debt validation. Specially I did not see anything validating the alleged debt with my signature. According to the FRCA regulations, RS Clark and Associates are in violation and are subject to fines starting at {$1000.00}. This is my third time asking for the appropriate debt validation. The next time will come with litigation. I hope that this can be resolved without litigation. It is not suffice to present any papers from any other company other than RS Clark and   Associates. RS Clark and Associates can not simply respond by saying they will send me something in the mail. RS Clark and Associates does not have permission to contact me by e-mail, phone, nor us mail. All communication is to be handled via CFPB portal.
On CFPB Complaint # XXXX, dated XXXX, XXXX, we repeated a request for First Tennessee Bank to stop collection calls. The first request came in a CFPB complaint dated XXXX/XXXX/XXXX though not as explicit. First Tennessee Bank responded XXXX XXXX, XXXX, saying that " ... have stopped calls going forward. '' The calls have continued. 
I 'll apologize ahead of time for the length of this complaint. Their diligence in harassing us caused me to reread our agreement for this XXXX mortgage loan. This was never a credit card loan ; it was a XXXX mortgage loan secured by the equity in our home. The loan was written in XXXX, we paid monthly payments faithfully for six years until we lost employment and all severance pay was gone ; additionally, by that time, property values had fallen and the house could not be sold for enough to cover the XXXX and this XXXX mortgage. The loan became " unsecured ''. The loan documents speak of maintaining the property, loss of employment and the bank 's ability to forgive this loan. We can not understand why they have chosen us to be unworthy of forgiveness. When we contacted them in writing, XXXX, XXXX, our credit score was XXXX. We explained our inability to make additional payments because of loss of employment. Not once did they respond to us saying that an appraiser would be assigned to determine the home 's value as stated in their agreement. In fact, we heard nothing from them except to say that a 40 - 60 % repayment was their minimum if the house was sold. Our Realtor said that could not be done given the market. We have used money from our pockets and money from this loan to continue to upgrade this property ( pictures are attached ). When we purchased the home, it had a shack roof. California outlawed because of fire hazards, so we replaced the roof with a 15-year comp roof. Not shown is the banister that we added to the stairs leading to the bedrooms. Not shown is the new wood stove. We have also attached portions of the signed agreement with First Horizon that substantiate our statements.
On Tuesday, XX/XX/XXXX at XXXX XXXX I received an email notification from XXXX XXXX to inform me their has been some changed to my credit score. I reviewed my account to check the status of reporting to my credit bureaus. In checking it was Midland Credit Management whom reported. I contacted Midland Credit Management Wednesday, XX/XX/XXXX in the morning to check the status of my reporting. I explained to XXXX XXXX my current financial situation. I informed XXXX I am a single mother with XXXX whom have XXXX and XXXX. As well as I am living in a fixed income from social security benefits and department of transitional assistance.  XXXX check her system to see what she could do to help me as informed me based on my current situation that she would close the account. I was placed on a hold where she check the system regarding my XXXX XXXX debt. XXXX informed me that as of XX/XX/XXXX XXXX XXXX is taking back their collections and she will not be able to help in closing my account my account based on my situation. I then asked that is they knew that this account was being transferred to XXXX XXXX as of XX/XX/XXXX why would they report it to credit bureaus? XXXX responded by saying they will remove the report within 10-15 days the latest is 30 days. I cant stop crying as I also contacted XXXX XXXX and was informed by the customer representative the account is in collections and they have nothing in their system that indicates it is being taken back. The representative advised me to call, email and leave a message for the debt settlement department through XXXX, which I have done by leaving a message to get a better understanding as to what is going. Most importantly why no has communicated with me about social security number just being sent to different agencies without my consent.
In XXXX of 2014 I dropped a class so the school gave me a credit of money that was left over. Again in XXXX 2014 I withdrew from the school dropping XXXX more classes. I took loans out for each semester I attended classes. I received credit for the two classes that i dropped and I had money left over from my loans. The school is trying to tell me that I owe them money when I do n't. When I log into my student account, I see that someone made changes in XXXX showing that I owe. That is around the same time frame that I had them go over my account because they were sending me letters about the balance due.
XX/XX/XXXX/XX/XX/XXXX, prior to utilizing the 0 % promtion on purchases, called Wells Fargo to ask that if I used a 0 % interest for {$10000.00} and then initiated another o % transaction a few months later, would all my payments apply to the first 0 % balance done in XX/XX/XXXX and I was told yes. Based on this information I did the the 0 % interest which expires XX/XX/XXXX and I made significant payments to pay off the balance on the 0 % interest. By XXXX XXXX I had already made $ XXXX + in payments towards paying off the 0 % interest from XX/XX/XXXX. In XX/XX/XXXX I called to confirm my balance and I was told that the first agent gave me the wrong information ( I raised the issue to Wells Fargo customer service and I was told that they listened to the initial conversation I had with the agent, and the information provided was indeed incorrect ). I was then informed that rather than the less than $ XXXX balance I had to pay was more like {$4900.00} and that my payments were applied at a larger percentage to the second 0 % transaction I initiated which expires later in the year / XXXX XXXX. I was then told as a resolution interest fees would n't be charged for the first 4 months after the expiration of the 0 % in XX/XX/XXXX, and the interest charges incurred would be automatically reversed and credited back to my account. The interest was " automatically reversed " once. 
In XX/XX/XXXX, since so many errors were happening, I called to confirm my balance payment and I was told it was now $ XXXX. I was confused since any purchase I made I paid within the billing cycle as to not accrue any interest or incur additional fees. So I emailed Wells Fargo for clarification, they told me the agent I spoke with who gave me the $ XXXX figure was incorrect and that it was a different amount. In the email I specifically asked how much is the payment I need to make in order to pay-off the 0 % interest without incurring any fees, I was now told that I needed to pay by XXXX XXXX XXXX another new amount of {$5700.00}. As instructed I went into the bank and made the payment by the XXXX XXXX deadline. I then emailed Wells Fargo to say the payment amount specified was made on time, and so the original 0 % interest is paid off. I then receive a response from Wells Fargo telling me that the agent gave me the wrong information and I need to pay more money to pay-off the balance, an additional {$1200.00}. And that this was a good learning opportunity for them ... and the client assumes financial responsibility of payments. How can I assume financial responsibility if Wells Fargo cant even give a client correct information on what they owe. Now I owe {$1200.00} that I can not pay on time because I based my financial outlook on the last revised payment. Wells Fargo can not keep changing the goals and expecting the clients to be able to meet this and still sustain other financial obligations.
I am exercising my rights as a consumer to properly verify this account, XXXX didnt provide me the method of verification they did about this XXXX XXXX account it probably was some form of number code sent over to the CRA and that was good enough well according to Section 609 of the FCRA a company has to prove and provide the proper documentation with a original signed contract with my signature. I reached out to XXXX XXXX  and this is what they sent me ; Ill attach documents. These documents anybody could have printed these up and put my information on here. One statement and a made up looking electronic application. Please provide me with an agreement contract and my signature states section 609 of the FCRA. This is my 3rd round with XXXX  addressing this as a complaint. I disputed this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I am a victim of identity theft. The following accounts and credit hard inquiries listed on my Equifax, XXXX and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, XXXX threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXX XXXX credit card accounts. XXXX XXXX XXXX is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXX XXXX   credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
I went to XXXX universities with the promise that I would get a job that would enable me to make good on my investment in student loans. My whole life I have also struggled with XXXX. My family took good care of me and wanted me to be successful, and I strove for that -- especially in the wake of my parents ' divorce. I was high school XXXX, XXXX, XXXX, etc. I had XXXX and XXXX GPAs at my universities, respectively. I am a good person, and I pay my bills on time. I currently have a full-time non-profit job. However, my credit score -- which is terrible on account of delinquent student loans -- is holding me back from obtaining everything my peers have obtained by this age, my parents obtained, and the generation before them obtained. It is made more tragic by the fact that at XXXX, when I was out of college and XXXX at a XXXX in XXXX, that I began to have a XXXX. I was XXXX, XXXX, XXXX, XXXX I was facing. During this time, student loan companies began asking me for amounts of money that even with a full-time job I could not afford to pay. I ended up having to take extended medical leave and eventually resign my XXXX position. I was unemployed for a while, and could not keep up with any of my student loan bills. Years went by. I picked myself up, got work, sought ways to make myself better XXXX, and to become a productive member of society. I did all these things. Yet the companies that now own my student loan debt are holding me back from everything I spent the last 20 years of my life working for. Any amount of money I could even send them will not pay them off. It is hopeless, and it is wrong. I was a victim of my circumstances, I still suffer from bouts of XXXX, and I have medical documentation to prove it. I am asking for understanding and empathy. I am asking to be judged as the whole person, and not by sad events that happened when I was still practically a teenager. I am asking for all delinquent records to be expunged from my record. Permanently. I want this to then be communicated to all the major credit bureaus so that my score can increase. I want to be able to contribute to the American economy by doing things like buying a home, buying a new car, etc. It is my right as an American to enjoy the fruits of my labor. I worked hard as a teenager in school, then as an adult at every job I 've had. It is immoral to judge my ability as a consumer based on a downward spiral of events that happened as a result of a XXXX. I am a good person. I have people who can attest to it. I 've never committed a crime, I 'm not mean to people, I donate to charity regularly. I never asked to be rich. I never asked to make XXXX figures a year, but it seems that 's the only way I would ever be able to pay back this debt. But the economy in this country does n't work that way, and people who struggle just to get out of bed in the morning like me ca n't even begin to process the insurmountable delinquent student loan debt I have. I suffered a XXXX in my XXXX, and it is a direct cause of me being delinquent on my loans in the first place. I am attaching a doctor 's report to prove this. Thank you for your time and consideration, and God bless.
On XX/XX/XXXX at XXXX I deposited {$50.00} in cash ( Sequence # XXXX ) AND again on XX/XX/XXXX at XXXX  I deposited {$11.00} in cash ( Sequence # XXXX ) at Chase Bank . However, I was charged a NSF fee {$35.00}, the following day XX/XX/XXXX According to the Chase Bank Representative, I didn't make my second deposit ( {$11.00} cash ) until after XXXX ( which isn't true ). I requested, to speak with a manager about the unfair assessed fee 's. However, I didn't get anywhere. I then requested, to speak with her manager ( leaving my contact telephone number with the manager ) but was told that the manager would just give me the " exact same '' information. As of today, I have NOT heard from the Chase 2nd manager. I am DISPUTING, the held transaction ( {$11.00} cash deposit ) held until, Tuesday-XX/XX/XXXXas " pending '' by Chase.The monies {$11.00} was deposited in cash and included in my overall " available balance '' at XXXX  onXX/XX/XXXX. However, Chase Bank withheld my cash deposit as " pending '' in order to charge me unwarranted NSF fee 's. I am disputing, Chase 's decision-making @ XXXX  today, XX/XX/XXXX Disclaimer : All information is being submitted for the " sole '' use of this FILED, CFPB complaint. No other use authorized.