WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried several attempts in writing and verbally to alert Collection Consultants that they have sent me someone else medical information ; diagnosis, record number, etc and not the account they claim I owe for. I have alerted XXXX XXXX of this as well because this is a violation of privacy and HIPPA regulations. Each time I dispute this account XXXX  allows them to place meets FCRA requirements which is false and fraudulent. FCRA requires credit reporting to report accurate information. I have in my possession a completely different medical file that they are claiming I owe for. They have updated my credit profile to reflect they can not locate consumer. I do not understand how not only XXXX has received this information and neglected to research this and allow this to stay on my credit profile.
On  XX/XX/2017   , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within  24  hours, I received a reply from   XXXX   stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.  <P/> I have requested that the following inquires be removed :  XXXX   XXXX   XXXX   XXXX  An Inquiry that is tied to no name at all  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
CRA/HIPAA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REORT # XXXX
Lending club sold debt to XXXX XXXX/XXXX collector who was paid XX/XX/2018. Lending Club is still reporting an outstanding balance which is impacting our attempt to obtain a mortgage. XXXX  and XXXX  will not update our credit report with the document we received matching the credit account in question showing there is no longer a balance. We attempted to outreach Lending Club to obtain a letter as that is what the credit bureaus are requesting and Lendig Club refused to provide a letter or update the credit bureau information when speaking with them XX/XX/18. We have paid this debt, and find it extremely unfair they are reporting a past due balance. Lending Club is claiming since they sold the debt, they are not obligated to update the information. However, that debt is paid so its technically NOT outstanding if they sold it, as selling it means they received a payment from the collector, and we paid the new debt owner. Therefore, all parties received money. I am not disputing the payment pattern that showed there are late payments with lending club, solely that they are reporting an outstanding balance.
I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to Sallie Mae -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and Sallie Mae would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

Sallie mae told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to XXXX XXXX XXXX -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with Sallie Mae they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with Sallie Mae I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure Sallie Mae is not the only company that does not offer income based repayments Thank you
I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my XXXX report from Ally Financial.
Dear Bank Of America, Would you assist me regarding XXXX letter for property - attached This is in regard to a loan with XXXX ( me ) later transferred to XXXX. 
What was Bank of America involvement if any with transaction per letter attached. 
I have been able to obtain document of errors-attached Bank of America may not have been aware of recession by XXXX according to fidelity representative - attached letter. 
Dual tracking appears to have taken place
I forwarded a letter to Equifax dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( XXXX ) being reported for a XXXX XXXX and DIMISSED/CLOSED XXXX ( listed twice on my report ). Equifax hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Equifax is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Equifax may result in smalls claims action.
I was offered a loan for XXXX dollars but in order to receive the loan I they said they would deposit some funds into my account and I would have to send the money back to them through money gram to see if I would pay it back. This happened XXXX and I did not want to continue with this practice but they kept adding more money into the account. Later found out that the money that was deposited was claims against other bills that I have already paid that were being returned by the bank to my account. This led to chain reaction to other debts being in default because of this scam! Now when I reported to the bank about the claims they said they would reverse them and my account would be in the negative and my debt payments would also have to be paid. I am out XXXX dollars x XXXX the number used by the scammer is XXXX
I received a notice from Professional Account Management, LLC ( PAM ) ( acct # XXXX ) stating that I owe {$250.00} and they are collecting that amount on behalf of the XXXX, DC Department of Motor Vehicles. In the letter the company states that the {$250.00} is for an unpaid speeding ticket from X/XX/2012 for a vehicle from Pennsylvania with license plate # XXXX. I was surprised to receive this notice because I have never owned a vehicle in Pennsylvania with that tag. Also, I do not recall ever being stopped by a cop for speeding. Further, the letter says that PAM has made several unsuccessful attempts to contact me, but I never received a call or a letter until the current notice. For the past 14 years I 've been a resident of DC with an active driver 's license and the same phone number, so it should have been easy to reach me. I now have tried to contact PAM several times via phone to dispute this debt and have been put on hold upwards of 15-20 minutes several times, but was never connected to an agent. I look forward to an explanation.
On XXXX/XXXX/2016 I received the following series of emails from a company called TruAccord who was initially collecting on a debt for XXXX XXXX which is me but they later acknowledge my cease & desist request calling my XXXX ( my ex-husband ) and continued to try and collect from, this company has no idea who owns the debt is trying to collect from one of us but neither of us owe it : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX Unsubscribe XXXX XXXX ( 2 days ago ) to me This is an important message for XXXX XXXX. If you are not them, please disregard and delete it. 

XXXX XXXX XXXX XXXX ( owner of your XXXX XXXX balance ) feels like you 're taking advantage of them, and they 're kind of right. Let 's just take care of this balance now and be done with it. It 's not like we 're going to give up on this. 

Can you pay now? 

Thanks. '' I responded with a Cease & Desist order on XXXX/XXXX/2016 as follows : " XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Well let 's see if you can handle this! 

This is your official notice to cease & desist immediately. If you continue to harass me for money I do not owe, I will contact my attorney. DO NOT CONTACT ME VIA EMAIL, MAIL OR PHONE AGAIN! IF YOU DO, YOU WILL BE IN DIRECT VIOLATION OF FDCPA LAWS & I WILL SEE YOU IN COURT! 

THIS EMAIL REQUIRES YOU TO IMMEDIATELY CEASE & DESIST ALL CONTACT WITH XXXX XXXX! FAILURE TO COMPLY WILL RESULT IN A COMPLAINT BEING FILED WITH THE FTC. ALL EVIDENCE WILL BE SUBMITTED WITH THE COMPLAINT. IN ADDITION, CONTINUED CONTACT MAY ALSO RESULT IN A CIVIL LAWSUIT BEING AGAINST THE INDIVIDUAL COLLECTOR, YOUR COMPANY AND ANYONE INVOLVED IN YOUR ATTEMPTS TO COLLECT THIS FRAUDULENT DEBT. 

I hope I 'm making myself clear! 

Good day! '' TrueAccord then acknowledged my cease & desist request but replied to XXXX ( my ex-husband ) after stating this was my debt in the 1st email and continued to try and collect this debt from me in the email received below on XXXX/XXXX/2016 : " TrueAccord Support XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( 5 hours ago ) to me Dear XXXX, We have processed your request and will no longer contact you. 

We can stop communicating with you about this debt, but you are in a debt collection process with XXXX and we are the collectors. We strive to do our best to help people in debt, and we can help you too. 

Getting us to stop communication does n't invalidate the debt. It does n't stop interest where applicable and it may affect your future financial standing. 

We retain the right to employ future collection efforts as needed, but we prefer working with you directly. 

Best Regards, XXXX XXXX. 

TrueAccord Engagement Team XXXX XXXX XXXX XXXX , CA XXXX Call us : XXXX Email us : XXXXXXXXXXXX Please note the important mandatory notices conveyed in our former communication. TrueAccord is a debt collection agency and this is an attempt to collect debt. Any information obtained will be used for that purpose. ''
I am repeatedly getting calls from local number XXXX stating that severe allegations have been attached to my name and ss number and that I have XXXX hours to contact them at XXXX to provide a statement or they will file paperwork with the courts and I will lose all legal rights. They have also contacted my ex fiance. I have attempted to call back XXXX to both the local and toll free number. After several rings it states to leave a message then says that the mailbox is full. No identification of company. I do not owe anyone any money nor have I taken any loans out. I did some research since you are unable to actually speak directly to a person and discovered that this is a company named Direct Capital and they are harrassing numerous people.
Capital one, the debt was a charge off effectively terminating any contract that was there. XXXX
Payments have been made every month, but Shellpoint Mortgage Servicing has continually claimed it was not paid. It has been months of dealing with this issue and they always ask for bank statement proof that it was paid. It has been emailed over numerous times and they send a confirmation email and then later say that they never received the email. They now say we owe three months when we have made every payment except for the one due in XXXX ( it wo n't allow us to pay just one month, it 's requiring us to make two that we have already paid ). They have given us the runaround for months and have now added an additional " missed payment '' and destroyed our credit.
My workplace has instructed Navient to cease calling my work, and so have I personally told them to cease calling my work place to attempt debt collection.
I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
During XX/XX/XXXX to XXXX 2017, Equifax was the victim of a cyber attack that resulted in over 140 million sets of personal identification stolen, including my own ( as reported after I enteredy information in at " www.equifaxsecurity2017.com ''. After examining the reports publicly available regarding the attack, it is very likely that the atrack was facilitated in large part by the negligence of Equifax to properly secure the aforementioned personal records. Their negligence means that I must now monitor my credit at a far more frequent level than is typically necessary. 

Furthermore, because of the nature of the information stolen, applying a credit freeze at the three bureaus ( Equifax, XXXX, and XXXX ) may be ineffective. This is due to the fact that a new PIN number to un-freeze the credit can be obtained by submitting the very information that was stolen.
I had to take loan to help my family through rough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.
My loan is processed through XXXX XXXX. Due to an error in their processing of my income verification during XX/XX/XXXX, they added almost {$6000.00} of interest to the balance of my loan which I have been appealing to be removed. The capitalization of interest on my account was carried out in a punitive manner, and yet it was their errors that caused the interest to be added to my balance. 

Their instructions for income verification state that one can submit a paystub from their employer and write the frequency of pay on the paystub. This is what I did, and I submitted my documentation and completed forms as soon as they were requested by XXXX XXXX - 2 months prior to the re-certification date ( XX/XX/XXXX ). 

They processed my application in XX/XX/XXXX, and on XX/XX/XXXX I received notification that I was denied from the Income Based Repayment plan I have been on since XX/XX/XXXX. It turned out this was a mistake on their part - they calculated my income to be twice what it actually is, and it appeared I made too much money to qualify for this plan. Since I don't, I discussed this with them over the phone - they had ignored the frequency of pay I wrote on the paystub and calculated my pay as weekly rather than bi-weekly, which is an error. 

When I was denied from the Income Based Repayment plan, the interest on my loan balance capitalized and the close-to {$6000.00} was added to the balance of my loan. Even though their mistake was corrected and I remain on the Income Based Repayment plan based on the correct amount of my income when it was calculated using my paystub, XXXX XXXX has refused to remove the interest. 

I bring up the XX/XX/XXXX and XX/XX/XXXX dates in order to note that if they encountered any problems or discrepancy in my documentation, I sent them well in advance of the due date and I could have addressed any confusion if they had processed my application around the time when they requested it to be submitted. My interactions with them lead me to believe that part of their poor processing of my application was due to their delay and subsequent hasty processing manner, since my new payment amount was supposed to go into effect on XX/XX/XXXX. 

Thank you for your consideration.
Please see attached. We have tried everything with this company and they will not change our credit report of missed payments/late payments.
I have a major debt collection reporting on my credit that is not mine. The debt appears to be from public records in which I do not recognize the details of this account. I believe that this matter is the result of an identity theft.
My ATM card was stolen and several unauthorized transactions appeared on my account. XXXX XXXX has denied my claim. They have n't even investigated. If they had, they would know that I did n't make these transactions. Also, they did n't even include all of the unauthorized transactions in my claim. They only included 2 ATM transactions and one debit card transaction. There were several others.
In XX/XX/XXXX I moved out of an apartment and I contacted XXXX to pay my balance due and cancel my contract. 5 years later in XX/XX/XXXX I checked my credit report and they are reporting me in collections. I was never notified by mail, phone or email and I confirmed they have had all my information on file.
On a Consumer Credit Report from Equifax dated XX/XX/XXXX is a tradeline furnished by XXXX XXXX with a date of last activity XX/XX/XXXX and a status of pays as agreed. 

Equifax told me in XX/XX/XXXX that paid as agreed tradelines with a date of last activity older than 10 years would be deleted from my file. 

XXXX XXXX has never appeared as a furnisher in Equifax Consumer Credit ReportXXXX that I have received from it in the past. 

I have no record of ever getting a loan from XXXX XXXX.
On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by Lexis Nexis. 

Lexis Nexis had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from Nexis Lexis. I  have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that Lexis Nexis had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the Lexis Nexis had in their file. 

Still I had not received a response from Lexis Nexis regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from Nexis Lexis stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX  ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that Lexis Nexis should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from Nexis Lexis and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of Nexis Lexis for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
Equifax is giving false and inaccurate reports on me. I have continuously made complaints with proof to Equifax false reports that are causing me Financial harm and creditability. They are taking another person with a similar name to mine and applying it to my social security in part. They have me living as my current address at XXXX XXXX XXXX , XXXX, XXXX. I sold that home in 2006 and have lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. They also show my residences during that period XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc ... all false. I am a Veteran and use the VA medical facilities in XXXX XXXX for my follow up from my XXXX. I had an emergency and was admitted to XXXX XXXX in XXXX XXXX. The hospital was specifically instructed to send all bills to the VA for payment. The hospital ignored my request and went to Medicare without my permission. So did the other medical bills as instructed by XXXX XXXX.The Hospital received payment from Medicare but not the others for payment. If they went to the VA, all would have been paid in full as I instructed. XXXX Government agencies will not pay in part for the same procedures. I physically went to the Hospital to complain and was ignored about refunding the amount they received from Medicare so everyone including them would receive full payment. These charges to Medicare were unauthorized and in part returned which I am being hounded for. I complained to Medicare to no avail and can not be responsible for these unlawful charges made by XXXX XXXX and vendors.