WillisBack/dataset-financial-user-claim huggingface dataset:
I am 'continually ' being harrassed by the following phone no. :  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX  am  XXXX   XXXX  , 2017 pho ne no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,    2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 p hone no. :  XXXX  time :  XXXX    XXXX    XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 p hone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,     2017 ph  one no. :  XXXX  time :  XXXX    XXXX     XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,   2017 ph  one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,    2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017 phon e no :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 pho ne no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX ,  2017 ph one no. :  XXXX  time :  XXXX   XXXX   XXXX   XXXX  , 2017    phone no. :  XXXX  time :  XXXX   XXXX  There are more dates & times, but in the begining I just deleted them. Now that they are 'again ' harassing me, I kept the above in my cell phone because that 's where the calls are placed.     I did call back once, and the recording sa id Wells Fargo. Not hing about any collection? I found that odd. Anyway, I pay my mortgage monthly, and my  Home Eq. Cr. Li ne mortgage and the last bill that I received fro m Wells Fargo for the Eq. C r. line for {$600.00} + I paid. So I do n't know why I keep getting these calls, BUT I WANT IT TO STOP! IF THIS IS N'T HARASSMENT, THEN I DO N'T KNOW WHAT IS!
XXXX XXXX XXXX is charging excessive interest that violates KRS 360.010 Legal interest rate. I borrowed {$10000.00}, the maximum interest rate is 19 % interest rate, XXXX XXXX XXXX is charging 23.057 % interest rate. XXXX XXXX XXXX has refused to talk to me about the issue. 






See : Kentucky Court of Appeals Case XXXX
Equifax continues to report unverified accounts and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of Federal law.
At XXXX XXXX eastern time this morning I received a call from a number I did not know. Upon answering the phone, a lady who identified herself as XXXX XXXX from ARA ( Asset Recovery Associates ) proceeded to tell me that I owed $ XXXX to XXXX and that she had received this claim in her office today. She stated that her office is in the process of filing a judgement against me for the amount they claim I owe. She informed me she was calling on a recorded line. When I told her : 1. I do not owe the money, and 2. Even if I did, it is time-barred. When I started writing down her information, she stated that her company offered me a settlement of $ XXXX and that I did not respond and now I am responsible for the entire $ XXXX. She was very aggressive and argumentative. 

When I asked if she would call back so I could also record the call, she said no. In the end of the conversation, she refused to give me the company address. I told her not to contact me again. She kept talking over me and said that if I paid my debts on time, they would n't have to call me. I told her that they can not contact me again once I have instructed them not to do so and if they do, it is a $ XXXX fine per call. She just kept talking over me. 

I told her to file the judgement against me and I will see her in court. At that point, she said I would n't be seeing her. I said I would see someone as what they are doing is illegal! She then hung up on me. 

A few minutes later ( at XXXX ), I phoned the company and asked for the lady. She came on the line and I told her that I was recording the call. She started shouting that it is illegal for me to record her without her permission ( it is not, I am in GA which is a XXXX party consent state ). I kept asking for their address - she just kept yelling that I did not have her permission to record her. I told her that I can record because I am in a XXXX party consent state. She would not give the company address and hung up on me again. 

This all stems from an alleged debt incurred more than 15 years ago!!!!!! This debt has been sold numerous times and I go through this frustration every single time.
We sold our home and closed out our mortgage with US Bank. There was an overlap in autopayment and a balance left, which US Bank says to have sent via check. The check was not received. US Bank stated we had to wait 30 days until they would reissue the check. They then charged me {$15.00} to reissue a check which i never received. Even after discussing this with XXXX levels of management, and promised an overnight deliver with signature, i have yet to receive the check. I 've been on hold for XXXX minutes so far, as I wait and fill out this form.
XXXX mishandled an unknown amount of my personal information putting me at risk of identity theft. OnXX/XX/XXXX2017, I was listed as a potential victim on their XXXX.com website.
I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.
MY ENTIRE FAMILY HAS HAD PROBLEMS WITH  XXXX  CALLING CELL PHONE.   JUST RECENTLY CALLED MY CELL 6 TIMES IN 1 DAY AFTER TELLING TO STOP AND THEN SENT LETTERS SEE ATTACHED.
On XX/XX/2019 I looked at my FICO score on my XXXX accounts ( logged in ) after a business negotiation due diligence effort detected an issue. Imagine my shock to see that my credit score, normally hovering between XXXX and XXXX, had dropped to XXXX in one month. That's a 137 point drop in one month. Knowing that purchasing/leasing a new car ( my only transaction affecting credit ) in that period couldn't cause that drop, I called XXXX XXXX. After several minutes ( 23 actually ) to get through the hold, I was told " that was Experian, not us '' and I'd have to call Experian. XXXX did connect me with a team to file a complaint against Experian. which took up hours of my day. So I call Experian and after 45 minutes on hold get the call center in XXXX ( barely intelligible English speaker ). She told me " that is XXXX XXXX, not us ''. XXXX-esque. When I explained to her that I ran my Experian report ( which I had already run to try to remedy and the online version showed " possible criminal activity '' at my new address, she maintained that that marker didn't affect my credit, tried to sell me a credit reporting product, then told me she has no access to my account ( doesn't Experian PRODUCE the information? ) and XXXX XXXX XXXX was responsible. Of course, there is no one to call at FICO. She offered to send me my credit report in print form. I accepted and noted that the report she finally sent has rescinded my " possible criminal activity '' from the report. And like magic, my credit score returned to XXXX the next week. The kicker? They had ERASED the 137 point drop from my XXXX history which is trackable in graph form from XXXX XXXX. What is infuriating is that no one took any responsibility nor is accountable to me. These credit agencies make mistakes that negatively affect my financial life but since I am the product, not the client, they do not care. This affected me materially - I was negotiating a business partnership and my credit score was part of their due diligence - it affected the contract negotiations in a negative way. I need an answer from both XXXX XXXX and Experian what caused this and what steps they will take in the future to prevent these kinds of mistakes ... AND WHY I AM NOT NOTIFIED OF BIG NEGATIVE CHANGES IN MY CREDIT SCORE. What about Americans who work 2 jobs and have no idea their credit has changed when they go to buy a car? It hurts everyone and is dishonest.
I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue.
My issue is again ; MY COMPLAINT Allied Collection Service Opened XX/XX/XXXX {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX .
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Please reference attached documents again.
Case #  XXXX  CLOSED, BUT NOT SATISFIED Case #  XXXX  CLOSED, BUT NOT SATISFIED Confirmation #  XXXX  This matter has been cleared and satisfied with my   XXXX   Credit Report but not on my  XXXX  Credit Report. Please assist, or force assistance in cleaning up my   XXXX   Credit Report regarding this FALSE information.
I filed for Chapter XXXX Bankruptcy in 2009 and it was dismissed ( never granted ). As such, I do n't feel that it should appear on my credit report. I am badly in need of a new roof and can not qualify for a loan as long as this appears.
I have lodged disputes with Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
I am a   XXXX   XXXX   XXXX   on the income based repayment plan serviced by  FedLoan. Whe n I had previous companies service my loan, such as  XXXX , I received MANY reminders that my income based repayment plan was expiring, and that I needed to re-certify. W ith FedLoan , I received  XXXX  emai l (   XXXX   XXXX   )  and   XXXX   message to my electronic inbox  (   XXXX   XXXX   ). My  repayment plan did not expire until  XXXX . I filled out the application in  XXXX , two months before my repayment expired, and it has not yet been approved. Therefore, I was billed the full amount for  XXXX . When I called and talked to the customer service representative, they said they are " behind '' and it could take up to two months to process. In the meantime, I had to declare forbearance because I am not able to make the full amounts. If I pay what I can, it does not count towards my public service forgiveness. This situation puts me behind on my loan forgiveness.
after being preapproved by wells fargo for a home mortgage i was told all of my costs would be near {$6.00} to {$8.00} XXXX dollars and explained that i would not be able to do much more than that.after a couple weeks into the loan process i was informed that my out of pocket expenses could go as high as {$16.00} XXXX.the loan officer neglected to tell me of a surprise rule that would require a larger deposit from me after i had paid for an appraisal and inspection .the seller backed out after wells fargo taking too long to process my loan and i am out over {$800.00} dollars.i believe the inexperience of the loan officer caused this loss and would like to be reimbursed from wells fargo.
XXXX XXXX XXXX, XXXX. XXXX XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.
I am beside myself. I have been working on repairing my credit for several years. I had one XXXX credit card left over that was sold to Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX. Phone number XXXX. I have read terrible things online about this debt collector, especially that they try to collect on debts that are not existent. I have received many scam phone calls and letters over fake debt in the past, so I am very careful. I have called this company repeatedly and there call center is outsourced to XXXX. The representatives do not listen, they just keep repeating the account number and the debt amount due. It is my full intention to pay this debt and have offered so to this company. I am the one calling the debt collector trying to pay the debt off. I did not have a payment plan with them and I have made 3 payments to them since I received their first letter. Payments have been made XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. I have offered to make another payment this month, XX/XX/XXXX but they said there is not a payment due until XX/XX/XXXX. They are now reporting to all XXXX of my credit bureaus that my account is seriously past due and that I have not paid for over 120 days or have missed XXXX payments. When I spoke them today, XXXX/XXXX/15, for the second time, ( put on hold and transferred to multiple people for over XXXX minutes on each call ) they said they do not report late payments, but I am looking at my credit reports with the XXXX bureaus saying they stated the above. My credit went down XXXX points overnight from them hitting my account besides the initial hit on the original debt from XXXX. Please help I am trying everything and paying these people at the same time. They are reporting derogatory to my credit every XXXX weeks which I can see since I have credit monitoring. On today 's phone call they said they would send another report to the bureaus which would still say the same thing about being past due and I am not past due. I must not be the only one this is happening to. I am so distraught, I am pregnant and we are trying to buy a house and this debt collector has free reign to do whatever they want with my credit while I am paying them. This has to be against the law.
Greetings : I have been paying Wells Fargo Dealership for about 4 years for a XXXX XXXX XXXX. The installment is XXXX per month. I have never paid the account late. 

However, all 3 credit companies reflect a 1 time late payment for 30 days on XX/XX/2016, when it was not. I attempted to dispute the issue to the XXXX credit companies and submitted a Wells Fargo Letter as proof since WF indicated that it was an error on their part for this time frame. The credit companies advised that WF needs to update them and WF has not.

The WF letter states, " would like to inform you that an internal processing error may have affected the date that you received your loan statement between the months of XX/XX/XXXX and XX/XX/2016. Please note that we corrected the issue .... '' ( they have not ). Please help and assist if you can as this matter is reported for 7 years. Thanks XXXX XXXX XXXX
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor
Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }
I have been paying back my student loan since XX/XX/XXXX. I was late for XXXX payment about 2 years ago and it was only by a few days. Other than that, I have never missed a payment no matter how hard it was to make the payment. I tried in good faith to get them to refinance the loan. However, they keep saying they will be coming up with refinancing options, but they never do. The terms of the loan are completely unfair. It is very high interest and a very short term. This makes it nearly impossible for me to live month to month. 
It was originally a {$44000.00} loan and by the end of the loan I will have paid roughly {$100000.00}. Seems a bit unfair to help a student get an education.
I have repeatedly requested information from XXXX   XXXX XXXX, XXXX ( " XXXX '' ) regarding payment due dates and loan statements. Specifically, I currently receive no notice, either through email or regular mail, about payment due dates. Further I receive no notice about when a statement is available for download from the XXXX website. 

I reached out to XXXX on the following dates asking that it fix the problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX has either ignored my inquiries, provided non-responsive answers, or incorrectly stated that the problem had been fixed.
To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 
I have attached XXXX mine and his ID 's and a credit report
On XX/XX/XXXX I got a notice of a collection owed of {$150.00} on my credit report from a XXXX account that I deactivated in XX/XX/XXXX. I never received any notice of this amount owed prior to the negative remark on my credit report, I contacted XXXX specifically asking if I paid the amount owed, would they remove it from the credit report since they had not sent me any information, and they had deactivated my old account so I could not view the bill. The collection was closed on XX/XX/XXXX. I would like this negative remark removed from my account.
I have attempted multiple times to remove this debt that does not belong to me from diversified consultants. The company mail information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.
On XX/XX/2018 Navient processed my forbearance only until XX/XX/18. At the time I filed for forbearance I was told to send in tax documentation in XX/XX/XXXX because it'll take up to 30 days to process. Once I sent that in they removed me from forbearance and my payment was due. Now I'm being penalized! I only did what I was told. I have called them 3 times including the call I'm on now and they keep telling me it'll be reviewed but so far nothing is being done. This is one of the reason why I just disregarded them altogether initially. It's a damned if you do, damned if you don't situation and I see why they're facing lawsuits. I just want my account processed correctly and in a way that benefits me and not hinders me any further. They get in their feelings when I start using profanity but also say they understand : OBVIOUSLY THE XXXX NOT! I just want accurate information and procedure information because they're stressing me out!
The XXXX credit reporting agencies ( XXXX EquifaxXXXX ) falsely reported XXXX items that did not belong to me. It took months to have them take said items off my credit report but now, the XXXX credit agencies wo n't correct my credit score after they damaged it. It was their mistake to report me to begin with then adjust my score by removing ALL of my credit. My score was around XXXX before the credit bureaus made this mistake now it 's " DAMAGED AND HARMED MY LIFE! '' The bureaus will not correct it! 
I have attached a document from XXXX XXXX showing what the credit bureaus are reporting on my credit score. I have NOTHING and the credit reporting agencies do n't even show my positive credit. This has ruined my chances on getting a car loan, an apartment, an advancement at work and a credit card!! They wo n't fix their mistake and I 'm going to have a nervous breakdown! I ca n't believe what they did to me!
I have previously written to the credit agencies and to the collection agencies regarding XXXX collections that is showing up on all XXXX of my credit reports to no avail have I been able to obtain proof/verification that these belong to me. They were previously deleted and then reinserted, which I think is of fair for me. I would like to solve this issue without any further obligation. 

1. XXXX {$680.00} 2. XXXX {$330.00} 3. XXXX XXXX XXXX {$330.00}
XXXX was included in my husband 's bankruptcy case. A discharge was ordered. XXXX forwarded by file to a collection attorney. My attorney wrote 2 letters for which XXXX attorney responded he would withdraw the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. The XXXX, XXXX in the XXXX XXXX stated " They can do whatever they want. She does n't have to follow the rules. I should have been responsible ''. XXXX has my credit bureau noted as collections-charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided and XXXX said " to bad '' that is n't my bankruptcy. I attempted to explain to several employees on several occasion their attorney dropped the case. The response was and is each time I call them, collection can be dropped but they can still report how they want to the credit bureaus. Copies of the letters mailed along with discharge papers will be attached.
there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.
This medical bill should have been paid. At the time of service I had  XXXX  and  XXXX  for health insurance. It 's also being reported wrong. The service was done  in 2011 and  should be deleted from my credit report.