WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX is selling fake consumer debt portfolios to collection agencies. The XXXX is collecting these monies to unjustly enrich its stakeholders and/or increase its stock value. 

The XXXX 's is an apartment complex for students at the University of XXXX. 

I never had a valid contract with the XXXX because I 1 ) failed to obtain a guarantor or 2 ) failed to paid XXXX ( XXXX ) times the month rent as a deposit. 1 or 2 were an essential condition of the application to rent ; the XXXX now claims was also a rental agreement. I did not meet the conditions of the application to rent, Therefore a contract does not exist. 

The XXXX sold a fake debt in my name to Southern Management System, XXXX XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX. 

The XXXX did not take a particular dwelling off the market since The XXXX never received a completed lease agreement and any other required information or monies to rent that dwelling.. There is no original of the Lease Contract because it was never fully signed since I did not meet the essential conditions of the application to rent.
It seems that they obtained my personal information and they are making inquiries in my credit and they opened a credit card account that is not mine of bank of america I put a blockade of the credit but it stops that it did not work.
Have you had your identity stolen? If you don't know you should check with XXXX. Last year ( XXXX ) they had a data breach that affected nearly every voter in this country. I personally have had personal id information stolen due to data breaches at XXXX XXXX, XXXX XXXX, IRS and most recenty at the credit reporting agency called XXXX. The IRS data breach occured in XXXX and I only discovered it when I received a credit card from a bank I did not recognize. At the time I called the bank/credit card company and they advised me to implement a credit freeze and also contact IRS. When I called IRS they told me about their data breach and also said someone had already filed a tax return requesting refund. Fortunately that return was caught - so no refund was issued to the identity thief. More recently personal id information ( belonging to both me and my wife ) was stolen from the XXXX XXXX XXXX XXXX. 

In order to protect my wife and myself I have had to implement a credit freeze with fraud alert on all of our credit files maintained by the big three credit reporting agencies. I did this back in XXXX when I first discovered the IRS related identity theft. Needless to say, this seems to have worked but it has only worked at great personal cost in terms of time. Let me give you a specific example. My wife and I are now trying to borrow money to buy a home. In order to do this I now have to contact 3 different credit reporting agencies twice ( total of 6 times ) to have the freeze temporarily lifted for both myself and my wife. In the last XXXX days this has eaten up at least XXXX to XXXX hours of my time ; and I am still not sure if it's done because my loan broker told me he is still having not able to access all of my credit files. Transunion always seems to be the worst as the PIN id numbers they provide never work on their website -- which means I have to make at least XXXX long phone calls to them in order to get a temporary freeze lift. Needless to say this is a colosal hassle and waste of my time -- because this not really to protect myself -- it protects unwary lenders. 

Once your identity has been stolen the problem never goes away. Companies like XXXX, Transunion and XXXX and lenders in general should not be able to profit from identity theft. We need stronger laws with serious and well enforced penalties that prevent this kind of profit. The XXXX reporting agencies should create a single easy to use website/application that consumers can use to lock and unlock their credit files. No one should have to spend hours doing this. In addition, all lending institutions should be required to know the person whom they are lending money.
I have tried to solve this issue with Equifax and the creditors. They all told me that I authorized these inquires when I did not sign anything or authorized them to pull my credit. 

XXXX XXXX, DOD Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX GXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
The bank foreclosed on the home in 2007 and sold the home to a different person. Now, all of a sudden, I received a bill. ( Please see attached. ) When I attempted to resolve it, the operator said I was obligated to pay it in full. I explained that I lost the house over a decade ago to foreclosure. 

This is predatory debt collection practice.
On XX/XX/18 at XXXX XXXX received a call from XXXX - XXXX XXXX XXXX on my cell number XXXX asking for my ex-husband ( I've been divorced 7 years. ) I mistakenly said that's my ex-husband and I have not talked to him in years ... I do not have a number or way to get in touch with him. They then said ... you are on this credit card. I knew that was a lie as I had never signed anything joint with him at all .... They said it was around {$15000.00} and they'd settle my portion for {$2300.00} if I would settle that day. I refused. I said I wasn't responsible for that. They threatened to freeze my bank account and garnish wages. I said " before you can do anything ... send me in writing anything that I signed or shows that I am responsible for this debt. '' They asked me to give my home address. I told them I'd give my work address as I was not giving them my personal info. He said " Oh we'll find you. '' I have not heard from them since I told them I was recording the call. ( I wasn't. )
My wife and I sold our property XX/XX/XXXX. We have been waiting since that time to receive a corrected Discharge of the Mortgage that references a Modification Agreement and a XXXX Mortgage recorded XX/XX/XXXX. The original mortgage, obtained XX/XX/XXXX, was Discharged XX/XX/XXXX, post closing, but it did not include the reference to the Modification liens. The closing attorney will not release a portion of our proceeds until the XXXX modification liens were referenced in a Discharge. Subsequently, the lender, Nationstar Mortgage Company, LLC, sent a revised Discharge with a reference only to the Modification Agreement but not the Subordinate Mortgage. The lender keeps dragging its feet and has one excuse after another as to why they ca n't or wo n't reference the XXXX Mortgage. At first they said the payoff XX/XX/XXXX released both liens because they both had the same loan number, MIN number and FHA case number. Now they say they do n't have the authority to reference a Discharge for the XXXX Mortgage even though they prepared the documents. The latest tactic is to blame the Registry because they require a release of both liens and they do n't think it is required. My attorney has been working diligently with them but has lost all patience. She suggested I file this Complaint and see if it would do any good.
I submitted a dispute XX/XX/XXXX when I called transunion they said they got it and that it would be done XX/XX/XXXX. I call to check the status of it the man on the phone originally said that he dont see anything. I said thats not true I called last month and was told the XXXX and that I had read complaints that they do that. So I asked him to speak with his supervisor who sounded like the same person same accent. Now all of a sudden he see the information. I told him I have not got a debt validation from the collection place and that it was past the 30 days. I also contacted the people who said I owe them and they basically said that the people who worked there previously where gone and she could n't help me. Which really made me submit the dispute. Im like ok if you cant proviode me a detailed explanation of why i owe you then its not legit.
I disputed inquiry 's on my report 3 times with Transunion and XXXX. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so Transunion and XXXX say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE XXXX CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED
Credit Collection Services, XXXX XXXX XXXX, XXXX, XXXX, XXXX, has started sending me fake debt collection notices, claiming I owe a debt to XXXX. They have threatened to put a judgement against me if I do not pay it. I know it is not my debt, but I spoke to an XXXX Representative to confirm there were no mistakes on my account. She confirmed that this was not my debt, and that XXXX XXXX never even uses that collection company. Further, she said even when accounts are delinquent, all attempts to collect debts are done directly through XXXX XXXX, with their own letterhead. So Credit Collection Services is FALSELY stating that they are trying to collect a debt from XXXX XXXX. This can not even be something that has become " mixed up '', or something ancient. I only had an XXXX XXXX account for 6 months last year, and the house I lived in for the last 18 years prior, does not even have gas. No one in my family has an XXXX XXXX account. This is clearly a scam.
On XX/XX/XXXX  I disputed an account on my credit report. I aso requested a verification with my signature from the reportig company. After 30 days the account was not marked as disputed, and tey had not provided me with sufficient verification of the account. A statement is not proof, as has been shown several times. On XX/XX/XXXX  I notify them that the verification of the account is not sufficient. On XX/XX/XXXX I notify them of the failure to mark my account as disputed and the breach of FCRA. The company still has n't marked the account as disputed, instead they closed it and reported derogatory statuses on my report. This is completely unacceptable to treat consumers in this way
To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :  XXXX   XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I was making payment to my account. Which I did not know was sold to XXXX. Barkley Juniper was holding money and not sending payments over to XXXX and will not refund money owed to me.
I called the XXXX phone number about section 611 when all of my inquiries were removed and then put back on later but I never received the letter I should have received within 5 days at all.the person I spoke with was totally rude and uncooperative with me.this is totally unacceptable of a person in his line of work. 
the inquires are as followes. 
1. XXXX XXXX 3 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX   XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX   XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXXXX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22.XXXX XXXX XX/XX/XXXX 23.XXXX XXXX XX/XX/XXXX
XXXX is reporting late payments when its suppose to be in payment driven program because Im not working. They failed to correct my information
On or about XXXX 2014 my identity was stolen and numerous credit account were opened in my name in XXXX and XXXX. I disputed the accounts and a determination was made that I was not responsible for the accounts. The credit inquiry is still on my credit report. I did not ask for or apply for the fraudulent accounts.
The creditor is XXXX XXXX XXXX XXXX XXXX and they put XXXX accounts on collections and are destroying my credit report. XXXX account is for {$300.00} and the other XXXX is for {$130.00}. 

The collection agency is Online Information Service, XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX. 

I want to pay for these but I never got billed for it. I would like to settle them but the number in the credt report does not exist. Please help me. The phone number they put on the report is not valid. 

This servicer is refusing to even reply to my letters, This is an outrage.
I purchased a brand new XXXX, side by side, refrigerator in XX/XX/2015. The ice maker quit producing ice in the month of XXXX, but because of the cold weather, we were unaware of this fact. The following month the refrigerator was not cooling properly and we notified XXXX directly. They ( XXXX ) sent a repair tech out to our home XXXX different times and he replaced the ice maker. BestBuy Consumer Credit company was contacted and a dispute was initiated. They have denied the dispute because I did not purchase an additional warranty through BestBuy
Freedom Mortgage has a very, very dated website that is extremely glitchy and won't process payments half the time. I paid my bill online, but it did not go through. I was not aware of this. Freedom did not place one single phone call to me to advise me that they never received payment. They called my husband ( co-borrower ) once, but it was to offer a refinance, NOT to advise him that the payment was late. They have marked mine and my husband 's credit ( which has tanked our scores ), and they will not budge and offer a goodwill adjustment. I have sent them the following documentation : 1. Screenshot of my online browsing history showing I was logged into their system, paying or attempting to pay the bill, before the due date. 
2. Screenshot of my checking account balance of the day I was online, with more than the amount available in the account ( which was there, and supposed to go to them ). 
3. A copy of my exceptional credit rating, showing that late payments simply do not happen with me. 

We have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. We emailed all of the executives, including the CEO. The VP of customer service even admitted, in writing, that their IT department found that the system was down while I was online, yet claims they can't amend the 30 day late mark on our credit as it is illegal. IT IS NOT MY PROBLEM THEY HAVE AN UNRELIABLE AND GLITCHY WEBSITE. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) website outlining the same problems I'm having. I have paid my bill on time, every month like clockwork, and they refuse to give me the benefit of the doubt. My loan is all paid up and current, and all we are getting from them is " we can't do that '' regarding a goodwill adjustment. They seriously have the worst website interface I have ever dealt with, and payments do not go through. The fact that they DID NOT CALL ME ONE SINGLE TIME to try to rectify the situation, yet they mark my credit. I have proof this was a big misunderstanding, yet they will not budge. This is very unfair business practice. My credit score has tanked from over 800 to barely 700. It's not my fault they have a terrible, glitchy, unreliable website interface ( that many others have complained about ), and it is beyond incompetent that NOT ONE SINGLE PHONE CALL was made to me to let me know they never received payment. Instead they just wait and then ruin our credit.
I filed a dispute with Equifax for multiple hard credit inquiries listed on my credit report that should have been counted as one that I authorized when purchasing an automobile. The dealership shopped around for the loan but did not tell me they would be doing this. XXXX and XXXX counted only XXXX inquiry but Equifax counted all XXXX separately that were made on the same day. Also several inquiries should have been removed after two years. Consequently these inquiries have adversely effected my Equifax Credit score. 
Also, my credit history on Equifax is shorter on this most recent report than the one dated in 2015 which showed two older accounts that would have significantly lengthen my credit history, Since credit history accounts for 10 % to 15 % of my credit score this too has had an adverse effect. I request help from CFPB is resolving these issues with Equifax.
I was charged three times by XXXX for a ticket I ordered once. I could not get a hold of anyone at Wells. XXXX people at XXXX, in particular XXXX, threatened to hang up on me despite XXXX rippingme off.
I recently noticed an account listed on my credit report by a company XXXX XXXX for the amount of {$680.00} for service in 2015. There are several issues with this account, the first being that I was unaware of the account, and secondly the amount of the account did not make any sense as the bill clearly did not take into account health insurance. At the time that the service was to have taken place in 2015 ( I am unsure of the exact date as I have no correspondence with the company ), I was covered under the military XXXX XXXX plan as a dependent ( military spouse ). This is why this is completely confusing regarding the amount sought. Also, the account was not on my credit report prior, it was only listed recently and no correspondence was sent to me. This company is attempting to make me pay a medical bill in full as if I did not have medical coverage, but I did in fact have medical coverage. I have tried to contact the company with the number listed on my credit report, but every day the company is closed and only have a voicemail for customers to leave messages on. There is no company hours listed on their website, which conveniently only has the option to make payments. This company has two numbers listed on XXXX, but neither one works. I am confused and frustrated and trying to resolve an issue but I can not seem to get in contact with the party in question to do so. I am not trying to get out of paying the debt if it was for my service, I am simply asking for it to be the correct amount that it should and not my being charged as someone without insurance as I am not. This company has history of incorrectly billing people who have insurance and I do not want to be added to the long list of unhappy consumers. Check XXXX for proof of that.
I received a collections notice from Allied Collection SVCS around XX/XX/XXXX regarding a XXXX Bill they claimed that I owed. I called the collections company and explained that I have not had a XXXX account since XX/XX/XXXX, have always paid all bills in full, and this is the 1st notice that I have ever received. The total they claim owed is {$4500.00}. <P/>The company could not access any records or provide any proof that the debt was owed. The collection action is on my credit report and affecting my credit score.
Listed XXXX XXXX, XXXX, original debtor : HSBC, listed as open account, charged off by original.debtor,, last pd XXXX. Different C/R removal dates.