WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX after recieving letter from student loans dept about setting up payment plan., so setup tenative plan was adivsed had 30 days to submit documents needed to approve, said ok and let person on the phone know just started job so would be atleast 2weeks before could get 2nd paystub needed.said ok and then submitted documents to student loan dept with payment and then recieved call on XX/XX/XXXX from collection agency national credit services on my job .advised never gave permission to call me on my job could not recieve calls and to stop all contact. called student loan dept and was advised transferred acct to collections 10 days after spoke to them about pyt plan, advised nothing could or would be done.told them i was never advised could be sent still to collections and filed complaint. still have not recieved any contact back. then today recieved 2nd call on job from collection agency national credit services .again advised already told co can not recieve calls at work and told sorry was never listed as do not call. took caller name XX/XX/XXXX and ext.then adivsed filling again a complaint
We purchased a property and wanted to payoff the Judgment Carrington has on the property. They refuse to provide a Judgment Payoff. They will foreclosure on my property if we can not payoff the judgment!
XXXX and Transunion are reporting me 120 days late on the XXXX - partial account number XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on an account with a {$0.00} balance and {$0.00} past due.
I have been getting charged fees on a so called XXXX percent 18 month promotion from Best Buy through Citi Bank credit card. No one every explained or notified me that even though there is no interest rate tied to the purchase that there is a service fee of almost {$25.00} per month for an unwanted debt protection plan. This adds up to an extra {$500.00} in fees in a 18 month period.
I submitted my request for Income-Driven Repayment Plan on XX/XX/XXXX, I received confirmation of approval on XXXX XXXX. Approval for repayment amount is currently {$0.00}. Since the approval XXXX has reported past due/late payments for XX/XX/XXXX - XX/XX/XXXX. I called to inquire about the incorrect data being reported to the all three credit bureaus and have been advised to submit supporting documents, which I have via fax and uploaded the documents on my XXXX account. However due to the inaccurate reporting my credit score has decreased drastically and I have been denied for a home loan due to the most recent late payments reflecting on my credit report. Please provide assistance. 

XXXX has responded with an update as of XX/XX/XXXX. Document attached.
Denied credit for exercising my rights under the Consumer Credit Protection Act ( Submitting ECOA complaint previously with CFPB ). Statement of specific reasons does not contain a specific reason as requiredSee ECOA 202.9 ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient.
My credit/debit card expired in XXXX 2016. I verified an address but made clear mail is to go to XXXX XXXX XXXX Never received card. Called. XXXX, a supervisor refused to send to XXXX XXXX XXXX XXXX, the original agent claimed XXXX did n't allow. That is a false statement. XXXX claimed he could n't as their policy. So, different answers/reasons, which tells me no one is telling the truth and rather is unwilling to resolve the problem. 
I noted nothing comes to house all goes to XXXX XXXX XXXX esp. due to " events '' such as car races, bike weeks, etc. Too much stolen mail in our area. I needed to go to XXXX XXXX XXXX Refused, wanted a physical address and refused using the XXXX XXXX 's physical address where I am allowed to receive general mail or my XXXX XXXX XXXX Thus, they 'd rather harm my credit by demanding send to physical address rather than a locked XXXX XXXX XXXX the XXXX XXXX XXXX. 
Further, XXXX refused to grant me discussion with his manager, XXXX. XXXX Stated had to write legal department to further escalate. I asked for manager and was refused no less than 10 times. He also stated he 'd not be informing XXXX of my request for a call from her. This was multiple times as well. In his attempts to force his way, he did not de-escalate or resolve the situation. Multiple times I asked how they resolve a situation for people in my situation. He stated they did not resolve the predicaments and there is no other resolution. Basically, his way or the highway. 
I asked what happened to people who live XXXX and only have a XXXX XXXX XXXX He claimed they could n't have credit/debit cards. I call this discrimination. They are failing to service people and businesses of whom they 've verified - I had to prove my Fictitious name, I had to prove my identity, SSN when I set up my account and so on. All my other vendors and creditors use my XXXX XXXX including credit and debit card, car loans, etc. 
XXXX also stated they had no procedures or policy in place for people in my situation who needed to use the XXXX XXXX XXXX Thus, they have no ability to meet the " mailing '' requirement as part of communication mandate to a client/customer. 
Also of concern are issues from past calls last fall when I 'd get agents in the XXXX who refused to transfer calls to the XXXX when requested. They stated they could n't do so. This is blatantly wrong. Not to mention any and all credit card/debit card discussion takes place in the XXXX call centers per PayPal 's XXXX policies. Several of those calls were related to credit card/debit card issues, other calls were not. 
Wasting time writing legal teams should not be the only answer to obtain an current credit/debit card. People and or Businesses should not be discriminated because they have a XXXX XXXX XXXX Manager discussions should not be refused.
I did not authorize Comenity Bank to make two attempted withdrawls of 1. XXXX and 2. XXXX from my ersonal bank account without mt consent. They have attempted to take these funds from my personal bank account several times which cause my bank to charge me numerous insufficient fund fees for the last couple of months.
OPTIMUM OUTCOMES, INC/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Unfair and Deceptive Business Practices : Maryland law Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) Remove these four credits information from my report. I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact Optimum Outcomes to produce itemized statements and signatures that shows why they put my name with XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by Optimum Outcomes. and no office in XXXX XXXX.

I contacted the Optimum Outcome but refused to talk to me. I want to know where they got my name, and I need documentation where I signed for medical treatments. I want to know if XXXX XXXX XXXX is a medical center as claimed by them or billing company and if billing company, I need documentations for what they are billing for and for which doctor.

Remove all hard inquiries on my credit report if no signature exemplar is provided.
On Monday,  XXXX   XXXX ,  XXXX , I was contacted by  Discover Student Loans a bout a loan that had originally be taken out with  XXXX  in  XXXX . The loan was sold t o Discover a few  years back. The customer service who contacted me identified that she was calling with the co-signer,  XXXX   XXXX , on the other line and wished to patch him in. I did not want to speak with her because I was very surprised by the phone call. I said that it was not a good time, she repeated that the co-signer,  XXXX   XXXX , was on the other line. I hung up at this point.  XXXX   XXXX  is not the co-signer for this loan, this loan does not have a co-signer. I was older than  XXXX   XXXX   XXXX  and did not require a co-signer for this student loan.  XXXX   XXXX  ' name is not on the  XXXX  for this loan. Discover has my home address, my cell phone number and my email address, they need not contact a third party to try and contact me. The representative also misidentified  XXXX   XXXX  as a co-signer. This is deceptive, the representative lied to me and to  XXXX   XXXX  who is aged and was rightfully very upset and confused by the phone call.
I received notifications from Pressler and Pressler on various lawsuits. 
First, they have been sending notices to an address that I do not live at anymore and do not have any access to. My mail has been forwarded and changed with DMV, so I find it odd that they can not use my correct address, but mail something to an old, temporary address instead. I only happened to find out about it because I ran into my old landlord. 

Second, they have been contacting people that I am only distantly contacted to. First there was my boyfriends ex-wife who was more than happy to tell everyone how " some lawyer contacted her and said that XXXX is going to jail if she does n't respond ''. Then they contacted my dead fathers wife ( who I have NO contact with ) and told them the same thing. Her daughter was more than happy to get on XXXX and spread this as well. 

All this is bad enough, but I recognize none of these debts. I have not had a credit card in many years ( far longer than NJ law allows debt collection for ). And I also do not know how they arrived at the last name XXXX or the middle initial " XXXX '' that they keep attaching to my name. My name is XXXX XXXX, no middle initial and no other last name. 

A few years back, I had my wages attached by an unknown law firm ( I am assuming this was them ) with no notice so I am assuming that they sent letters to an old address again. I did not have the job long after and did not have any money for a lawyer to fight it and, mistakenly, I let it slide. 

I requested that they validate these so-called debts with me and also verify these other names they keep attaching to mine. I have not had a response yet. 

I am not sure I chose the right category above because there are so many problems. 



Thank you.
For years I have been trying to get my cosigner released from my loan. I always pass the pre-qualifcations phase but then when I submit my application its denied. The last time I did this. I was told that they would not release me no matter what and that when my cosigner died they will go after her estate. I have never been late once and have followed all of their rules. My cosigner is XXXX, has no estate, and has never ever had to amek payments. My history of paying this loan is great as well as I make significant income. Today I was told by a customer service person that my cosigner wo n't ever be released even though their qualifications state that i meet them. She said the only way to get my cosigner off is to pay the loan off myself. She was rude and condescending. My statement is vague and I do not believe my balance nor the amount I owe is correct. It says I am paid ahead but I have never heard of such of thing. I also don ; t understand all of the threats when I have always paid this loan on time always.
I sent in a written dispute through my original attorneys XXXX XXXX. TSi received the dispute on XX/XX/XXXX as documented in a phone call with a supervisor who refused to give me her name on XX/XX/2018. Which is the day I called in to ask them about why my account was still not validated even after me sending my own debt validation letter dated XX/XX/2018. As of the date of this complaint I have not personally received any documentation validating this account as belonging to me and it has been well over the time constraints allowed by both the FCRA and also the FDCPA which both CLEARLY state that any request for validation of a debt must be done within 30 days from the date of the dispute or the debt will be considered erroneous and therefore removed from any credit reporting agency it may be adversely affecting. I have never lived in Texas and I have no recollection of this debt.
Disputed XXXX XXXX and acct shows open date of XX/XX/XXXX.This acct was auto removed from transunion and experian this month.I disputed this item XXXX times in XXXX stating it was an expired acct and that the XXXX deliquency date was also incorrect as well as the acct information and payment history.The results of the dispute says they contacted XXXX who told them they can delete the historical data from the report. So most likely they are deleting the historical data because it is not correct or inaccurate.But for some reason they are still not removing this item from the credit report, nothing verified but still going to keep item on my report while transunion and experian it was automacitically remove in XX/XX/XXXX.
I never received any letters in the mail or received any telephone calls from XXXX XXXX XXXX concerning this matter. I was not aware of this collection until Saturday, XXXX XXXX, 2016, when I got the collection letter in the mail.
XXXX XXXX XXXX XXXX has a hard inquiry for my credit on XXXX XXXX, 2015. I have made no such inquiry. I demand that they remove this from my credit.
I'm having a hardship and currently trying to enroll in college.
I have no capital to repay at this time I,m working on a carrer movement to better my future.
XXXX incorrectly reported to at least 3 credit bureaus ( XXXX, XXXX  and Equifax ) that I owe XXXX {$240.00} on an account that was closed in spring XX/XX/XXXX. I  owe XXXX nothing, and disputed that balance to XXXX and to each of the credit bureaus. The credit bureaus have failed to correct my credit history, so I continued to try to resolve the issue with XXXX. Most recently, today on XX/XX/XXXX, I spoke with a XXXX Customer Service Representative named XXXX, who looked through my account notes and confirmed that 1 ) I requested account closure as early as XX/XX/XXXX, and 2 ) XXXX did not actually close my account until XX/XX/XXXX. He also confirmed that XXXX had incorrectly billed me {$10.00} more per month than what I had signed up for. That billing discrepancy was the original basis for my desire to cancel my XXXX service : XXXX had falsely represented my monthly service would be {$49.00} per month, but instead charged me {$59.00}. My exasperation with XXXX 's billing practices in violation of my contract precipitated my request to close the account. XXXX then dragged its feet on account closure so it could keep piling on charges and fees for 3 more months. I paid the legitimate balance in XX/XX/XXXX, but refused to pay any more of XXXX 's illegitimate charges. Finally on XX/XX/XXXX, XXXX discontinued my service. None of the remaining charges on my account are legitimate. Today the first Customer Service Representative, XXXX, said he was unable to reverse any of the charges. I asked to speak with someone who could, so he connected me to his supervisor, XXXX XXXX. She reviewed my account and the months of notes, and concluded that my account should be credited {$110.00}. She said the corrected balance would be reported to the credit bureaus. However she said XXXX would continue to charge me a purported {$130.00} " early termination fee. '' She said it was pursuant to my contract, which I disputed, particularly since I never received a written contract. I explained that even if I was under such a contract, XXXX had breached the contract by ADMITTEDLY overcharging me every month, so I should not be charged a fee for getting out of a fraudulent contract and billing scheme. XXXX and the credit bureaus should not be permitted to extort such illegitimate payments from me or any other consumer. I discovered this credit reporting issue while applying for a mortgage. My first loan application was rejected due to this erroneous information the credit bureaus accepted without question from XXXX. I will have to pay a significantly higher interest rate to secure a mortgage. I have also been turned down for 2 credit cards since the credit bureaus accepted this false information and added it to my credit history. This erroneous credit blemish also harms my ability to apply for jobs and rental housing. This extortion by XXXX, XXXX and Equifax on behalf of XXXX is therefore costing me a lot of money and reputational damage.
Midland Credit Management sent me a collection notice in XXXX of XXXX. I wrote them a correspondence back explaining to them I do not owe this debt and to not contact me again, in any form. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX by certified mail. They then again sent me a correspondence In XXXX of XXXX, after I asked not to contact me again. I again sent a correspondence explaining I did not owe this debt and to not contact me again regarding this debt. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX via certified mail. Both times the letters were signed for by representatives of Midland Credit Management. On XXXX XXXX, XXXX, I again received a collection notice on the above referenced debt. I have sent a third correspondence again stating I do not owe this debt and to not contact me regarding this debt again. I have done this three times to no avail.
On XX/X/2017, I wired {$5000.00} from my bank to Coinbase/XXXX to have the money credited to my account. As of today, the money has still not been posted and the company has been non-responsive after multiple attempts. 

The XXXX for the wire transfer is : XXXX
I was enrolled in an institution named XXXX University. The institution was taken over by another group name XXXX University. At this time, the institution worked with a private loan provider, securing false loans for students. I reported this information to the police department in New Hampshire and shared this information with Navient representatives, still no conclusion. The Navient representatives are not responding to my letters, calls and information. I have sent them information from the police department, complaints and etc.. I am not responsible for those loans with XXXX University.
I recently bought a home. I went on line to the XXXX reporting agencies for my free credit reports. I found the sites difficult to navigate and before I was through, I had become a member of both XXXX and TransUnion. I was afraid to tamper with the process, so I kept the memberships in effect until now. I was able to terminate my membership with XXXX without difficulty, but have found the TransUnion website to be very opaque about the process. It looks like I have to call a phone number during working hours to be able to terminate my membership. That is not right. I should not have been directed toward membership in the first place, and it should not be difficult to terminate a membership.
Credit Card application Fraud. HSBC has a help line but I have been on hold every day this week for 3 hours each day and I cant get anyone to answer the phone. XXXX XXXX XXXX. 

They must have 3 people working the phone for thousands of calls and they DONT CARE ABOUT THE CONSUMER. 

The issue is my credit report shows unused lines of credit for {$200000.00} opened by a criminal. 

Please help me. if it helps. I have some old friends that you work with from the FDIC.
Records were stated again from XX/XX/XXXX,XX/XX/XXXX to lower my rating from Trans Union. I am retired, and dept free at this moment. there rating service return old files that I requested be cleared 8 or nine years ago. I 'm purchasing a car, and will be forced to pay a higher rate due to their false report. If an update is issued, I can reapply for a lower rate. Thank you, XXXX XXXX. 
XXXX
XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Our mortgage was with Nationstar and was on Autopay. Our interest rate is low and we were constantly hounded by this company on a weekly basis to refinance. They called our cell phones, emails and mail profusely. We asked them to stop. They did not. The mail increased with weekly junk mail. In XXXX they sold our Mortgage to Mr. Cooper. We did not pay attention due to the fact that our payment was on auto pay. The impound account had increased and so they denied our payment. They called but we had the numbers blocked due to the constant commercials. They then put us in default. We caught this when they sent us a default notice. We immediately checked in to this and even paid the late fees. 
They sent us to collection and it lowered our credit scores over 120 points. We have never had a late payment for anything. We have always had sterling credit. Now due to such ridiculous business practices they have lowered our ability to get XXXX XXXX. I have contacted the company and they will not turn around the credit report. They do n't care about their fraudulent tactics of business. They said they tried to contact us when the auto payment was denied. I do n't know because they were so obtrusive with their harassing phone calls to refinance. I could not be more disgusted with a mortgage company.
My identity was lost or stolen on a date unknown to me. I recently checked my credit report and found an account open that I did not open, authorize or consent to it being opened. I then filed a report with the FTC and other law enforcement agencies. I sent the information with all requirements to Experian via USPS certified mail. Experian refuses to delete the fraudulent account. I sent the company what I was given by law enforcement. In our region the officers do n't give you a physical report. Only a report number and a cover sheet which was submitted. The other agencies were filled on line in which that information was submitted also. The following account is not my account and I demand that it be removed from my credit profile ; XXXX XXXX # XXXX not my account please remove this fraudulent information from my credit file.
Received call from Gatestone debt collectors XXXX XXXX XXXX concerning monies owed on a {$220.00} XXXX XXXX Account. Upon further investigation of credit report, victim with new address of XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX Account opened in XX/XX/2018 and closed in XX/XX/2018.
I have contacted Experian many times to get problem solved. I am asking them to verify that the debt actually belongs to me. They have not provided any proof of doing this. The account was removed from report and then placed back on with notification. They have violated two laws. The account was disputed and removed before and now appears again One by not verifying the debt and another by not notifying me that the account was added back to my report.

This item should be removed from my report immediately per the fair reporting act. or verify debt XXXX XXXX XXXX Account number XXXX open XX/XX/2015