WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to XXXX, and XXXX. This DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO XXXX. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in XXXX where the Person is buying from XXXX CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, to contact me pursuant to XXXX. I never asked this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR ALLIANCE ONE XXXX XXXX, XXXX, this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ALLIANCE ONE RECEIVABLES, MANAGEMENT, XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.
1. Due to inept reporting by XXXX in XXXX, I have already used my free report access so I have to pay to see potential impact from Equifax 's bungle. 
2. All companies indicate a delay due to volume in freezing the my info. and inform me there will be a delay in lifting the freeze, effectively putting me at the back of the line for any transaction that requires access to my credit, such as renting an apartment. In short, they do n't have the capacity to protect the information they collect.
I was out of work on worker 's compensation so I began to fall behind in payments in XXXX of this year. I kept open communication until I was able to make a payment, but I was still struggling with the payment. I had the same issue with other creditors, but they were more lenient than XXXX XXXX. Once I was able to make a payment I was told that I needed to sign a form to stop legal proceedings on my account. I signed the form and made the payment, but I was still struggling to catch up on my financial debts. I continued to keep open communication and explained that I started a new job which changed my pay frequency so it was even harder to get caught up on my finances. I then received a letter dated XX/XX/XXXX, stating that a judgment was granted in the favor of the plaintiff. I thought this was in error because I never received a court date. I continued communication with XXXX XXXX. Then onXX/XX/XXXX, I received a letter statin that my wages would be garnished and I contacted XXXX XXXX. I was told that I signed a consent form so they did n't have to take me to court. The consent form did not state that there would be no court date if I defaulted in payments. I then received my paystub and my wages had been garnished for {$530.00}. Because of this my car insurance was cancelled and I am really struggling more to satisfy my financial obligations.
XXXX 2016 I noticed a negative item on my credit report reported from TRANSWORLD SYS INCXXXX. It claimed to be for a debt to XXXX XXXX XXXX for {$340.00}. Prior to this I have not received any notice of this debt. I found XXXX numbers for XXXX XXXX XXXX by calling my local hospital and searching the web - XXXX have been disconnected ( XXXX and XXXX ) and the third was for another firm that had no record of an account under my name ( XXXX ). I then called Transworld, who indicated the debt was from XXXX 2016, but they had no information on what the bill was for, nor were they able to provide me with contact information for XXXX. They did indicate that they would contact XXXX to request the original bill and send it to me. 

My complaint is that my credit score has been severely hurt by this small bill that I have no information about and that, even after filing a dispute and calling, ca n't seem to get any details about. I pay my bills on time and would be happy to pay this bill, except that neither XXXX nor Transworld can tell me to whom to pay the bill, or explain how I 've never received a single letter or invoice about this debt prior to it appearing on my credit report.
I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
My experience applying for a Chase Credit Card. I have excellent credit and was advised to apply for a Chase Credit Card by my bank 's branch manager. I was denied, not for a bad credit score or anything regarding my ability to pay but because I 'm very responsible with credit. I have XXXX credit lines. I feel this is a fraudulent penalization and false advertisement on the part of XXXX XXXX Chase. If I would have known of this rule of having too many opened accounts within a 24 month period I would have never applied and wasted a hard inquiry on this Credit Card Application.
THIS IS NOT A DISPUTE REQUEST FOR ANY OF THE NAMED ACCOUNTS. 
I DONT WANT TO OPEN ANY NEW DISPUTES! 
THIS IS AN ISSUE WITH THE REPORTING ACCURACY OF EQUIFAX ONLY!!! 

Since XX/XX/XXXX I 've been having problems with Equifax. Since XX/XX/XXXX, I have been going back and forth having accounts, old addresses, inaccurate personal information removed/corrected and/or updated. Now all of a sudden all of things I worked so hard to get removed just magically reappeared with no explanation. 

Every time I call, all I get is more open disputes, which are pointless when such items have already been disputed and solved. All I want is for Equifax is to fix my report back to how it was prior to their breach of security, as the current reporting is hindering me from obtaining a mortgage. Since XX/XX/XXXX I have been disputing, do not open any more disputes. 

Personal Information : My name should read as first and last name only. My only accurate phone number is XXXX. My addresses are XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and XXXX XXXX XXXX , XXXX, TX XXXX. ( full numbers are masked ) My job is only XXXX XXXX only. Any information outside of what I just listed is incorrect and need to be removed immediately. 

Inquiries : Since XX/XX/XXXX the only inquiries should be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Anything else is unauthorized and was previously removed but all of a sudden reappeared. 

Accounts 9 account numbers not listed due to security ) : 3 derogatory accounts were previously deleted as the companies had no proof they were my accounts however reappeared last month. These accounts, XXXX XXXX XXXX, XXXX XXXX and XXXX need to be removed immediately. These accounts were originally removed in XX/XX/XXXX/XX/XX/XXXX, I dont understand why they back on now. 

XXXX XXXX accounts should be reporting as paid charge off and was reporting as such in XX/XX/XXXX but now they are not correct or remove the accounts immediately ( see attached documents ) XXXX shouldnt be reporting and wasnt reporting until your breach ( see attached letter ). 

XXXX XXXX, should also be removed as it is a fraud account, and was removed until your breach ( see attached document ). 

XXXX XXXX XXXX XXXX/XXXX XXXX, should and was removed in XX/XX/XXXX, now its reappearing. ( see attached document ) Please correct or remove the reporting of these accounts, as this problem is a reporting problem with equifax not the reporting agencies.
I feel like I am being harassed by my student loan creditors. Shortly after I graduated from XXXX University in 2009 I was called numerous times a day by XXXX XXXX. When I looked at my phone I would have several missed calls and voicemails from persons from different numbers, at all times of the day. They would leave voicemails and disclose unappropriated information, some even making threating remarks if I did not call back. 
When I would attempt to call back, I would get the run-a-round with collectors claiming that I needed to make unreasonable payments of {$300.00} to {$400.00} a month. I would try and negotiate terms but feel helpless as if they were unwilling to work with me to come to some solution. 
I would make payments thinking, " anything is better than nothing " and still receive calls saying my payments were missed or late. This constant annoyance made it very difficult to actively fix my student loan situation. I felt personally targeted by many of the persons calling because they would imply that I was a " bad person '' because I was n't trying to settle my debt which is false. They would call my mother and father and leave voicemails. They have contacted my siblings and other family members after being told by myself and others to please stop. They have called prior places of work and asked personal information from my co-workers. 
The constant harassment I experienced causes me to feel paralyzed with fear due to relentless provocation. I am in the process of going through a 3rd party to try and settle my loans and repay for my college education. Although those calls stopped for a while, they have restarted again and have repeated called me in the same an hour, reached out to my family numerous times and also reached out my employer. Due to the fact I work in a XXXX it is forbidden for me to receive personal calls and Navient, once known as XXXX XXXX, has reached out to them several times. Not only is that embarrassing, phone calls are strictly forbidden and I could lose my job. I need help ... I do n't know what to do anymore.
SRA collection company location XXXXXXXX XXXX XXXXXXXX XXXX XXXX nj zip code XXXX phone is { XXXX } XXXX XXXX, my complaint is that there unlawfully pulling my credit report doing soft pulls and also calling my home phone XXXX XXXX around XXXX in the morning and also my cell phone XXXX XXXX too I told them that I don't owe any debt with this company and I have a common name, they also call me on private numbers by blocking there numbers, can you please tell these animals to leave me alone and stop harrrassing me and my kids asking for me when my XXXX year old picks up the phone, the company is trying to used muscule by imtimidating me by trying to sue, it this keeps up im going to sue them,
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX Date opened>> XX/XX/XXXX XXXX  XXXX Date opened>> XX/XX/XXXX XXXX XXXX   XXXX  Date opened>> XX/XX/XXXX XXXX XXXX XXXX   XXXX Date opened>> XX/XX/XXXX
I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
They are contacting our Client Services Department and reaching a representative stating they are calling from Navient in regards to my student loans and asking to speak with me. This is in violation of the FDCPA and could cost me my job.
I had a XXXX XXXX XXXX for 2 years never miss a payment of been late.. The car was total loss in XXXX in or around XX/XX/XXXX. I got in touch with my insurance company which was XXXX and they did there part as soon as they could and I was pleased with them and during that time I called to PNC bank to report the incident and they was in touch with my insurance company and worked everything out with the payment which they paid over XXXX and Gap insurance was paying the balance which left a little over XXXX. I spoke with PNC bank several times about the payments and to keep them informed and we kept each other informed about the process and PNC new they were getting paid and they proceed to place a late payment on my credit and knowing that they were getting paid and they new the exact date that the check would be process. I would like the late payment removed off my credit because I have never been late with any of my payments on anything and I think it is very unfair for them to place this on my credit.
Dynamic recovery solutions keeps calling me after they have said they 'd cease all communications. I do not owe dynamic recovery solutions or anyone else any money.
Contacted the credit bureaus concerning several accounts that 's in collection that are not mine. disputed this information along with unauthorized inquires. the credit bureaus would not move. also advised that they have the incorrect birth year for me and also sent in my birth certificate along with dl, and ssn. but they will still not remove. also contacted these agencies and they will not remove. please help. I am only XXXX and did n't not do any of those transactions
Someone opened XXXX fraudulent Capital One credit card accounts in my name. XXXX with Capital One Bank USA opened in and CAP ONE NA. They approved these fraudulent accounts. Once I noticed that this was n't my account I tried to dispute and they would not hear of it. They in fact filed a judgement against me for {$1600.00}. I told them that this was not my account and I refused to pay. After numerous attempts to have these items removed, they told me if I paid the judgement they would remove both items AND the judgement within 7 days. These items were preventing me from obtaining credit to assist my family. They took my money and lied to me. They never fully removed the judgment and did not remove these XXXX items. I feel violated and taken advantage of as an XXXX woman.
I get XXXX and get a monthly stipend around XXXX and I have the Prepaid card that is only a direct deposit way of funding my account. I tried to get another account privately and because I live in DE they would not open an savings account. There is a PNC Bank right down the street from me, XXXX I can walk to it to save bus fare and I tried too open a savings account and because of what XXXX said on it 's report PNC would n't open account. There are other banks but not that close, I like to do everything online and use less stamps to mail something when we have email. It has been three months since I asked for an appeal from XXXX or show me where they made the decision. I feel I will be embarrassed at every financial institution and because of that I have not tried other banks but when I hear a response from you guys I will do nothing. Please talk to PNC or XXXX and tell me why they said no. Thank you for your time.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX EXPERIAN KEEPS PLACING A FRAUD ALERT ON MY CREIT REPORT I HAVE ASKE THEM TO REMOVE IT OVER 10 TIMES AND I HAVE BEEN IGNORED AGAIN!!!!!!
Account is for Asset Acceptance account # XXXX. This account is not mine. Account belongs to XXXX XXXX and is 10 years old. I hired an attorney for this. A certified mail letter was sent to Asset Acceptance asking for validation of the account. The USPS Track # XXXX XXXX XXXX XXXX XXXX was delivered on XXXX XXXX, XXXX at XXXX XXXX. Asset Acceptance failed to respond to the validation request. Twice since then, once in XXXX and once in XXXX, Asset Acceptance continued their collection activity by updating the account to XXXX as being accurate when I disputed the account through XXXX. When I called Asset Acceptance, they told me the account was being handled by an attorney and gave me the local attorney 's phone number. When I called the attorney, they said they no longer have the account - that the account has been returned to Asset Acceptance. For 3 days I have spent 2 hours a day on the phone with Asset Acceptance and no one can help me clear this up. I can not even find a representative of Asset Acceptance who is willing to talk to me about the account. Every representative of Asset Acceptance I get on the phone says that I must speak to someone else and I can NEVER anyone who is " authorized '' to speak about the account. 

Bottom line is they will not or can not validate the account. It is not mine AND it is over 7 years old and they will not cease reporting to the credit bureaus! 
I am demanding that they immediately remove this account from the XXXX Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Social XXXX DOB : XXXX/XXXX/XXXX XXXXXXXXXXXX
ATTENTION : TRANSUNION DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet TransUnion still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet TransUnion lists a past due of {$370.00} on this account. How is that accurate?
My private student loan is with Navient and last year I got into an agreement with them for the interest reduction program and I was told after three months that the company was going to report to the credit agencies that my account is being pay as agreed. Navient is taking automatic payments from my bank account every month for the past 3 years and they still reporting that my payments are 30,60, to 90 days late. I have contacted them by phone, e-mail, and mail for the past seven month to correct the reporting and they refused to. They kept giving me the run around and providing me with contact to other department that can not resolve the issue. They provided me with phone numbers, e-mail, and mailing address, but they all led me to a dead end. I tried to mediate the issue with them with the contact information I was given but Navient still refused to update my credit reporting and their refusal has hurt my credit score and kept me from getting a loan to purchase my home. It also cause me to pay more for services, rental, insurance, and other services that verify credit for favorable rate. Their customer service representative refused to give me the contact information to the department that does the reporting. They told me I have to mail them ; which I did but I never get a reply back and they continues to report my account being late.
On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budget/bill sheet as paid. On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. During that call full payment was made to XXXX and all late fees were refunded by XXXX. I disputed with XXXX XXXX/XXXX XXXX on XX/XX/XXXX and then again around XX/XX/XXXX. I also disputed 2 times with TransUnion and XXXX. This is clearly a system error of some sort which is obviously not an item that can be " proven ''. The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXX/XXXX XXXX and then proceed to file with the CFPB, OCC, XXXX XXXX XXXX XXXX and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. I am in awe of how an error of this sort can have such an impact on a consumer with zero path for the consumer to be protected or heard and treated as a human being instead of a number or piece of paper.
Several years ago, XXXX decided that I did not return equipment to them which I did quite a long time ago. Recently they turned this issue over to XXXX XXXX XXXX. I will not pay for equipment that I returned to them.
On XXXX XXXX, XXXX I received a XXXX from " XXXX XXXX XXXX, XXXX. '' XXXX XXXX XXXX, XXXX XXXX, TX XXXX for a Debt Discharged of {$33.00}, XXXX. XXXX. I immediately called them and told them there is a mistake, as I have no accounts with them and never had any. They informed me they were trying to collect on a debt from a XXXX XXXX XXXX XXXX, on a credit card that he took out in XXXX. I informed them that XXXX XXXX XXXX had been my husband, but we had been estranged for many years and lived in different states. Also, I told them that XXXX XXXX XXXX had died in XXXX after a long battle with XXXX XXXX. When I received this XXXX in XXXX I called the attorney who handled the debts at the time of XXXX death and this attorney said I was not responsible for any of XXXX debts. He also said that Virginia does n't recognize any debts after 7 years. When I told XXXX XXXX XXXX this on the phone they said they would have the Fraud and Claims Dept contact me. On XXXX XXXX, XXXX I received a " form letter, '' with no signature, from XXXX XXXX XXXX Fraud and Claim Dept. The form letter said the I will be responsible for any balance on the account. Thus I am contacting you for help. I do n't feel I should be responsible for a dead person 's credit card debts from XXXX.