WillisBack/dataset-financial-user-claim huggingface dataset:
I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
I, XXXX XXXX, was contacted by XXXX XXXX whom was representing Hunter Wakefield Company located at XXXX XXXX XXXX XXXX XXXX, Fl ( XXXX ) XXXX. They were seeking a debt owed by a XXXX XXXX. 
My husband and son have same name, just one is XXXX and one is XXXX. The representative did not care and had no problem going over someone else 's debt with me even though they did not confirm my identity nor cared to call and ask my son if it was ok that they speak with me.. I advised them it is my son 's debt not mine nor my husbands ' and he still kept using scare tactic like they are only willing to work on a reduced amount if I took action today and prepared or scheduled payment for a reduced amount or they would go after my husband and I for the debt that is not even ours. We are in process of buying a home and them reporting this debt on my husband 's social and not mine has loan process in jeopardy/ I lost my senses for a minute and made mistake by giving debit card information until my daughter heard my converstaion and had me cancel phone call WITH THEM immediatly. 

SOLUTION : THEY NEED TO CONTACT EACH BUREAU AND RETRACT THE NEGATIVE REPORTG ON MY HUSBAND THAT IS WRONGFULLY REPORTING
As relief from the Country Wide loan fiasco. Bank of America purchased the 2 loans and placed me on an interest only loan. I applied for a modification in 2009. It was completed and I was placed on a step rate loan. ( fixed rate ) the HELOC was sold and the first modified. 
After 2 years amount increased per schedule, BUT was to cap at 4.5 %. Loan continues to increase. Nothing going to principal. B of A changed the loan to a jumbo Arm loan. I did not agree to another interest only loan. No other lender will touch it. Now Im upside down on the loan. I am stuck with 2 loans. I applied for a modification/ denied. Did not qualify. How is this helping me?. I was told by B of A to do a short sale. I have never been late or missed s payment since 2009! I dont want to sell. I have made multiple improvements, upgrades landscaping etc. XXXX XXXX a month is ridiculous. If I could afford that amount I certainly would not live here. Id live closer to XXXX XXXX
I am a person that has gotten a car loan wit DT Auto Credit. When my loan is a day late, they call me XXXX times in a row. As of right now, my loan payment was due on XXXX and they have called me a total of XXXX times since XXXX about my payment. Even when I tell them what day I am going to pay my payment, they proceed to call me sometimes a the next week to tell me that the information has been kicked out of their system. When I ask to speak to a manager or a supervisor, they deny my request. I have call upwards of XXXX times to attempt to get to a supervisor, and they either refuse to answer my calls and put me on hold or they refuse to give me a supervisor to talk with. This is an ongoing issue that stems from their model. It goes from if you situation or finances change, they do not help or negotiate with you to ensure that you are able to keep your vehicle, I have been told before that I did n't need to pay my rent but pay my car payment, I 've been threatened with having my vehicle repossessed when my payment is no more than five to ten days past due, and they only let you change your payment cycle once during the life time of the loan. The harassing phone calls are the worst as well as their rude customer service people from the number XXXX. They call at XXXX and as late as XXXX at night.
On XX/XX/XXXX I submitted a complaint after sending a letter disputing items on my credit file. Equifax was prompt in their response and deleted inaccurate information on my credit file.

The two items I disputed ; XXXX acct # XXXX on my credit file is not mine and their investigation said that an acct # XXXX belongs to me. I did have an account with XXXX  which was closed paid in full on XX/XX/XXXX. I believe this account acct # XXXX with XXXX   is not my account.

XXXX XXXX XXXX XXXX  acct # XXXX* was never late and I submitted a document from XXXX XXXX XXXX XXXX showing the account paid 21 days after the due date in XXXX XXXX.

I also asked for the verification process which is my right by federal law which I never received. I have included a copy of that law : ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions. No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ) of this the above section of the FCRA law I believe affords me the opportunity to get copies of their investigation process into these two items.

Thank you
Capitol One paid a check from my account submitted by an individual as the payee and the signor. It is very apparent this check should never have been paid. The individual did not even attempt to forge my name on the signature line, the payee signed his name as if it was his account. When I notified the bank of the error, I was promised immediate resolution. After 2 weeks and 8 phone calls initiated by me, they will not refund my money unless I sign an Affidavit of Forgery in front of a Notary. They will not promise to reimburse the cost of the notary either. I should not have to consume my time to repeatedly follow up with the bank, only to be given false promises of resolution as well as contact from the customer service department that has not happened. Completing this document and having to get it notarized is not only inconvenient and time consuming, but should not be my burden to rectify the bank 's error. The lack of customer service from Capital One has been incredible. I WANT MY MONEY BACK, NOW!
I spoke to a customer service manager about a Rate Reduction Plan. After going over my financials she said that the loan would go up higher. Unfortunately, I can not afford the increase and when I asked to speak to a manager and I told her that if the loan was any higher I wouldn't be able to afford to buy groceries or gas and she said to me WELL YOU JUST GOING TO HAVE TO DO PROVISIONS WITH YOUR FOOD. Then I tell her unless I go to a women 's shelter I won't be able to afford any of that. Then I got upset and I said that unless I go to the street and start CHARGING for services she says WELL I CANT TELL YOU WHAT TO DO BUT YOU HAVE TO DO WHAT YOU HAVE TO DO.
Hello, I received a summons to court By this collection agency and I am unaware as to why. I have not received anything prior. I do not know who this debt is from. It just stated that it is a XXXX account with XXXX owed. Also it states that the last payment on this account was XX/XX/2013. That was 3 years ago. I have no recollection of an account with this amount owed. I have paid many of the debts that I owed from when I was going to school. I would like to have verification of this debt as I am unaware of this. I would also like to have this summons to court revoked as I have not received any prior contact before this. I was just hit with a summons via mail through the court and am very upset. Thank you in advance.
I received a letter from the Debt Relief Center, with a PO BOX address in XXXX, AZ. It says that I owe $ XXXX, and they are a collection agency on behalf of my creditors. They are offering a payment plan, and this is my second notice ( I dont think I received a first notice ). 
They ask me to call XXXX. 

I dont think I have any outstanding debts, my Credit Cards are managed, I have ID protections. Unless my info was sold on the the deep web, and used to create a parallel life, I believe this is a SCAM.
I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Experian offered a credit report service and said that i could cancel within a few days if I did not like the service. My membership number is XXXX I did not like the service and want to cancel. It is very hard to cancel the service and the only way to cancel the service is to call them. There is not way to cancel membership online. 

I have been on the phone waiting for 1 to 2 hours without any response trying to cancel the service without any response from Experian. 

Please help me cancel my service asap
I had an FHA mortgage with XXXX for {$55000.00}, under FHA case number XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I believe my original lender transferred the loan. XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the Certificate holders of the XXXX, XXXX, Reperforming Loan Remic Trust Certificatesm, Series XXXX sued me to foreclose on my loan. The bank took a judgment against me for foreclosure. However, I never was served with a summons and complaint in this case. A special process server said that he served my son, however ; my son does not live with me at the home and has never received a complaint and summons. My attorney tried to vacate the foreclosure judgment, however, the court would not allow him to vacate the judgment, stating that it did not matter if he lived with me, because he was related to me, that means that the sheriff could serve him. The court also took the word of the process server, over mine. Needless to say, I was not able to present a defense on my behalf and they purchased my home for about {$15000.00} at the Sheriff 's Sale. As an FHA beneficiary, the bank was required to send out notice to me prior to foreclosure. They were required to offer me options ( like a forbearance, a modification, and other resources in order to help me save my home. ) The bank failed to work with me. In fact I even tried to negotiate with them before and after the sale of my home, but they have ignored me. They are not following the FHA rules 24 C.F.R. 203.604, 203.501, 203.605, 203.606. It appears that all they want to do is go to HUD and collect on the mortgage insurance without talking to me. This is not how it is supposed to work. My husband and I are pastors at the XXXX XXXX XXXX XXXX in XXXX, which is located a few blocks from the property. Please help us. We are still in our home at this point and do not want to be evicted.
Pressler & Pressler representing XXXX XXXX swept all my funds from my bank account, then threatened me that if I fail to sign the agreement of debt repayment or upon signing I would fail making repayments, a lien will be placed on my payroll and my salary will be garnished. 

This is so shocking to me because I knew that only government and its agencies can put a lien on your account for nonpayment of child support, alimony, school loans ; and IRS for owing taxes but financial institutions such as credit cards who 's funds are insured by the FDIC - that 's completely new to me! 

I had no idea that I was being sued by Pressler & Pressler representing XXXX XXXX since due to an illegal eviction I am no longer at XXXX XXXX XXXX for over a month and I do n't have a new mailbox address as of yet. 

So, I called Pressler & Pressler and after my conversation with Pressler 's representative and making payment arrangements, they still refused to release my frozen funds back to me. I had {$1800.00} in the account, which represented my Federal and State Income Tax Refunds that I just received as EFT to my account that week! 

After crying on the phone pleading with them to release my funds and informing him that since they took all my money from my account at XXXX XXXX XXXX I have only {$2.00} in my pocket thereby left without any funds to purchase groceries for the next XXXX weeks, the representative made a promise to release {$300.00}. THE MONEY WAS NEVER RELEASED.
This is related to complaint # XXXX. I am helping my father and mother with this complaint. Upon speaking with my Dad when I returned from a business trip, he told an appraiser " strong armed " him into allowing him to appraise his condo. They represented Champion Mortgage. My Dad also told me Champion Mortgage had called and harassed him about going to the tax collectors office and providing proof he paid his taxes. The taxes have been paid for the year and my dad referred them to the XXXX XXXX records. This company continues to harass my parents, threaten them and they still not credited his account back for erroneously force placing an exorbitant amount of flood insurance wrongly, as outlined in the previous complaint.
I have no contractual obligation to pay this collection agency. I have asked for validation that this account belongs to ME, and they did not provide me with sufficient documents  within their 30 all owable days. All I have received are statements from another company. They are in current violation of the FCRA. I have also asked for them to update their records to reflect correct information, which they have not done so. This collection agency shows up as " Credit Bur eau of the South '' on my credit report, but all corresponding information from them is listed as "    XXXX   XXXX   XXXX   ''.
This collection company was a group of men that I feel threating behind their calls. XXXX XXXX who represented himself as a manager for the company Qualia Collection agency laughed at me. Used a very threatening tone with me and told me that my mom was going to be charged in the state of Texas unless the debt was paid. I am in tears and shaking after speaking with them and I am in fear that these men even have my information. I ca n't believe that this is acceptable to collect a debt and never have I ended up in tears and felt badgered for someone simply trying to collect a debt.
suppressively, In my credit score from XXXX  XXXX  appear that on XX/XX/2019 a company named Factual Data checked out my credit score. I do not what is that company and why they checked out my score. Now, this act brought me problems in my score.
I applied for a XXXX Chase Mastercard which offered XXXX mileage points if you charged {$2000.00} within the first three months of activation. I live overseas and my card got lost in the mail ( probably returned to sender ). When I asked for a replacement card 1 year later I was told the points would be no problem. I put {$2000.00} on the card within one month, but my request for the mileage points were denied. There was no activity on the original card and I had the new card sent to my address here in XXXX. XXXX blames Chase and I am asking for help here. Thank you.
I have my monthly payment on the loan ahead by 1 month for the past almost 6 years ... i wanted a buffer of at least 2 months ahead in case of an emergency where we could not pay. 
received a letter from the bank saying they applied my payment elsewhere. I do not receive my statements in a timely fashion and have complained 2 times. the document said check my statement to see where the payment was applied. ... i have a receipt for where I DEDICATED THE MONEY TO ... .UNDER MY CONTRACT I HAVE THE RIGHT TO PAY OFF EARLY ... there is NO STIPULATIONS on how it is done ... ..bank of america has broken our contract. When entering into a contract BOTH PARTIES MUST ABIDE BY THE TERMS SET ... .you can not change the rules to the GAME when the game is in process ... ..unless both parties agreed. ... ..
Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, XXXX, Equifax ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Equifax : XXXX XXXX- Account Number XXXX
Hello, There were two cases against me and I was not served properly. I was not even served at all. XXXX and XXXX are the cases. They were given default judgements against me. I didn't know about this until XX/XX/2018 when they attempted wage garnishment. I went to court for that and it was dismissed. According to a case against the owners of the trust suing me, they are not allowed for further action even though there were judgements. It is XXXX XXXX XXXX XXXX and XXXX. There was a class action lawsuit against them and they have to comply with the consent order. 

Case reference : XXXX XXXX   XXXX I was told to contact the cfpb and start the process of getting these judgements looked at.
I have an identity theft problem with 2 accounts on credit report from Navient. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by XXXX. Other 2 agencies took off report but not XXXX. Now they want new police reports, etc. I am hearing impaired and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now Navient is suing and they haven't provided documents either to me. I have a lawyer. I need help.
Continue to get phone calls and letters threating legal action from  Collection Bureau  of  the Hudson Valley.   XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . Phone #  XXXX . The listed creditor is  XXXX  which advertised a scam service in my area offering internet and TV services they could not provide. They offered 30 free service at no charge or installation fee and cancellation at any time. I cancelled the service after 2 days because it was not what was advertised and did not work at all. I returned the hardware myself on the 3rd day and got a receipt. Notified  XXXX  that the service was not what what was advertised which they admitted saying that they  may  have the advertised service in my area ib years to come.  XXXX  agreed there was no charge for trying the service.   The collection  Bureau   of Hudson Valley is operation a fraudulent scam and I demand that you stop them and penalize them with monetary damages at the very least.
Summary : XXXX XXXX XXXX XXXX XXXX XXXX ran a hard credit inquiry against my account without my authorization and after I explicitly informed them that I do NOT consent to a credit check. 

Details : While shopping for home internet service in  XX/XX/XXXX, I was considering XXXX XXXX XXXX. Presumably because I configured an order on their website, but not did not conclude the transaction, XXXX XXXX XXXX ran a credit check. 
I later concluded my research and placed an order with XXXX XXXX XXXX on XX/XX/XXXX. I placed the order via telephone. I avoided the website as I wanted to explicitly inform XXXX XXXX XXXX that I would only place the order if they agreed not to run another credit inquiry. The representative agreed to that. She informed me that instead of asking for my social security number, a driver 's license number would suffice. I again asked if the drivers license number would be used to run a credit inquiry. She replied in the negative. The order was placed and I have now seen that XXXX XXXX XXXX did, in fact, run a credit inquiry through Equifax. I believe XXXX XXXX XXXX used information they collected previously, or through information contained in my account as an XXXX XXXX XXXX XXXX customer to access my credit report ( s ) without my consent. 
The relief I am seeking is that those inquiries ( both XX/XX/XXXX and XX/XX/XXXX ) be removed from my Equifax file. 
I did call XXXX XXXX XXXX but was routed from one department to another, with representatives telling me each time that " the system '' just runs the credit checks and they have no control over it. 
I realize this may seem like a trivial matter. However, we have worked hard to earn and protect our credit scores. XXXX XXXX XXXX 's actions have made a material impact on my current score and, moreover, their blatant disregard for a consumer 's stated directives should not stand. 
Thank you for your help.