WillisBack/dataset-financial-user-claim huggingface dataset:
This company repeatedly calls my job. This has been occurring for the past few months. Today they called asking to speak with my supervisor. They told the receptionist they were going to garnish my check if they did not speak with my supervisor. This company has also called family members and friends repeatedly asking questions about me. I have voice messages that they have left on family members phones as well as text messages from my family stating they have contacted them, I have asked them repeatedly on the phone and via email to stop contacting my friends and family and to stop calling my job everyday. However, they continue to do this. They have been calling several times per day to my job and to various family members. Today when they told my receptionist at work about garnishing me I have decided to seek help here to stop their horrific, unfair and illegal debt collection practices. This is now jeopardizing my position at work and needs to stop.
XX/XX/XXXX : I noticed unauthorized accounts on my credit report and I contacted ; 1. Federal Trade Commission ( report ID Theft ) XX/XX/XXXX 2. XXXX County Sheriff 's Dept ( to file a police report ) XX/XX/XXXX 3. Each creditor in question ( XXXX XXXX XXXX, XXXX XXXX XXXX. & XXXX XXXX ) XX/XX/XXXX XXXX. 3 Reporting Credit Bureau 's ( Experian, XXXX & XXXX XXXX ) XX/XX/XXXX The creditor 's & bureau 's refuse to block these accounts and continue to allow these accounts to effect my credit negatively. I have still not received a response fron the Bureau 's nor the Creditor 's.
Couch ConVille Blitt is trying to collect and sue me for and old debt for their client XXXX XXXX XXXX XXXX XXXX. I believe this debt is past the statute of limitations and is uncollectible.
I have recently pulled out my credit profile from equifax company. I have found out XXXX account that is incorrect, that is reported from Collection agency. After sending letters to the Collection Agency who has listed an item on my file, to ask them validate my debt. But I have n't received any legal documents that proof of debt, such as acoount statement, name of original creditor, and registered agent number, and so on. I asked them to delete from my credit file if they ca n't validate my debt, But they still keep reporting to credit report company while they ca n't validate my debt. 
I have contacted the credit report company, Experian, to ask them to investigate the account that I was given no evidence of my obligation to pay this debt to this collection agency. But it came out verified from Experian ( attachment enclosed ). And as I know this debt is out of Statute of Limitations of State, but the Experian still allows debt collector to report in my credit file. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchSincerely Yours, XXXX XXXX
My client entered into a repayment agreement with XXXX XXXX XXXX XXXX ( hereinafter referenced as " XXXX '' ) on behalf of Navient in regards to private student loan which were in default. My client understood entering into the agreement would cure his default. My client has performed under the aforementioned agreement since XXXX, 2014. However, in more then one and half years, Navient and/or XXXX have refused to cure the negative reporting entries on my client 's official credit reports. This slanderous behavior is now damaging my client insomuch as he is attempting to purchase a home, has a good credit score, but it being denied a loan because of Navient and/or XXXX misleading credit report.
My vehicle was involved in a MVA on XX/XX/XXXX. My insurer determined the vehicle as a total loss and paid the lender, SunTrust, with my gap insurer to pick up the remaining amount. I made the XX/XX/XXXX payment within the ten day grace period ( although the title was already signed over to the insurer, payment had not yet been made to the lender ). On XX/XX/XXXX, SunTrust received the payoff from my insurance carrier for {$27000.00}. That same day SunTrust also received a reimbursement from the dealership for a pro-rated protection plan reimbursement in the amount of {$600.00}. On XX/XX/XXXX they charged me a {$29.00} late charge for not making the {$580.00} monthly payment in XX/XX/XXXX even though they already received {$28000.00} in XX/XX/XXXX. My payment on my original loan has a due date of the XX/XX/XXXX of every month ( 10 day grace period ), and as of XX/XX/XXXX I had already received two collection calls for the {$580.00} even though the remaining amount on the loan was {$5800.00} ... .. My gap insurance has sent payment to cover said amount however, it was delayed because SunTrust would not provide the requested information. Finally, they sent the requested information to me instead of the gap insurer and I in turn had to forward it to the gap insurer - all of which bought time ... Their delay tactics, illegal late charge ( they have since credited ), and illegal collection calls on an account that was current is unacceptable.The loan is now paid off however, SunTrust still is not admitting that I should not have been sent to collections ...
I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX , Transunion, and   XXXX   refuse to remove fraudulent inquiries from my credit report and I am atta ching two copies of their responses to this complaint along with yet ANOTHER police report and notarized letter disputing the inquiries.    They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.
XXXX XXXX IS REPORTING FORECLOSURE AND JUDGEMENT ON MY EXPERIAN CREDIT REPORT SINCE XX/XX/2014.
On XXXX/XXXX/16 I authorized an online bill payment through my Bank of America ( BOA ) online bill pay for {$93.00}. The payment was processed and remitted to the intended recipient, XXXX XXXX XXXX XXXX. Two weeks later I received a call from XXXX explaining that my payment was never received and I was being charged a {$37.00} late fee. I called BOA and spoke to a lady in the fraud department who told me " there was nothing BOA could do about it '' and provided me with reference number XXXX ( I attached the recorded phone call. I was told to give that number to XXXX and they will be able to find my payment. I doubted the information would help and explained to the representative that I need more information. Instead, she cold transferred me to another department, where they were so busy they could n't take my call. I spent the next hour trying to reach someone in BOA who could help me. Ultimately, I reached someone in the Bill Pay department who told me that I never sent an online Bill Payment for {$93.00} to XXXX. I told her the amount came out of my account and provided her with the reference number given to me earlier. She stated the reference number I was provided didnt help. She offered to conitnue transferrring me around to other departments. After much frustration and confusion, I checked my online bank account again. I confirmed that on XXXX/XXXX/16 an online billpayment was sent to XXXX for {$93.00} and this time was able to get a Payment ID # XXXX. I 'm not sure why the Bill Payment representative told me that I never remitted such a payment to XXXX. The online banking service clearly states " XXXX : BILL PAYMT ID:XXXX : XXXX XXXX XXXX ID : XXXX. '' Now, my BOA account is minus {$93.00} and BOA has no idea what happened and tells me " there is nothing they can do about it. '' The intended recipient of the payment never received the payment and BOA states it was " never sent to begin with on my part, '' which is obviously inaccurate. I 'm being charged a late fee by my other bank for {$37.00}.
I 've provided police reports, notarized letters of dispute, and followed all the rules of identity theft.  XXXX ,  XXXX , and Experian refuse to remove fraudulent inquiries from my credit report and I am attachin g two copies of their responses to this complaint along with yet ANOTHER polic e report and notarized letter disputing the inquiries.   They simply refuse to remove the inquiries saying they are a matter of record for 2 years. That 's not true if I did n't authorize the inquiries and they do n't fall under fair use ( which they do n't ).   Furthermore, they told me they 're forwarding all of my documents on to these companies which I never authorized. I do n't want these companies who are already misusing my personal information to have MORE of my personal information. It 's illegal for these credit bureaus to be forwarding private documents to other companies, yet they say in writing they are doing so.
Today XX/XX/ XXXX XXXX from XXXX XXXX XXXX, call my phone left message for my husband that I said she was verifying my information for a job I had applied for, she also called my daughter and mother and told them the exact same thing. That I had applied for a job, and she was just verifying my information with them because I used them as a references. This is the second set of calls that my family has received from this company. The first time it was a guy named XXXX that called. He also called my mother, daughter and a cousins husband. When I asked her to quit calling all my family she said that I used them as references and she could call them if she wanted to, so she could verify my information.
XXXX XXXX continues to charge my XXXX Store Card for many items that Ive already returned to XXXX. I have repeatedly contacted XXXX and XXXX XXXX regarding numerous issues with my account, yet XXXX XXXX   has not taken any action to remedy the situation despite their receipt of documentation establishing that I returned these items. 

More specifically, I disputed eight different transactions. All of these disputed items are recharges for items Ive already sent back to XXXX. XXXX  own website acknowledges that my returns are each in transit back to XXXX, and Ive already sent proof of this for each of the disputes. I can not be held responsible for the mail carriers delay in providing the returned merchandise to XXXX. Because I complied with all of my return shipping requirements, XXXX may not recharge me for any of these items. 

I sent this message, along with a Dispute Acknowledgement Form and accompanying print-out from XXXX website for each of the eight transactions, to XXXX XXXX on XX/XX/2018. I still have not received a response from Synchrony, but the charges continue to appear on my credit card statement. I am also continuing to incur interest on each of the transactions.
Back in XXXX XXXX 2016 I had a series of inquiries removed from my report from Transunion . All these inquiries were reinserted back into my credit file. I never received a reinsertion letter from Transunion. I sent Transunion a Certified letter which they received XXXX/XXXX/2016 disputing these inquiries. I never received any response from Transunion. Only thing I got in the mail was a small card which stated they put a fraud alert on my credit file. By law, Transunion is required to notify me within 5 days of any reinsertions to my credit file.
a negative report posted by gm financial on approx.XX/XX/2005 is still showing on my reports. 
Pa. limitation is 4 yrs. i would like this stricken from my record. I am also showing a public record of a recently discharged bankruptcy. I request this also be stricken.
My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.
I was a victim of identity theft and noticed a collection from Enhanced recovery I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against enhanced recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I recently noticed an account on my credit report that listed as Kohl 's Charge Card and I never opened an account with this company. When I called the company and sent multiple letters they have sent me back a generic letter stating the account was not opened fraudulently which I never opened this account and if they are say I did then I asked for a consumer agreement or application with my signature on it and they stated on XX/XX/XXXX that they don't keep that information on file past 90 days. The still have have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it or etc. ) and under Section 611 ( 5 ) ( A ) of the FCRA. The will not because they stated that they don't have it.
I recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : 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 XXXX XXXX XXXX, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.
Please reference case XXXX and XXXX. The collection company is : Debt Management Partners according to XXXX XXXX XXXX.
I have requested over and over again for Transunion to delete incorrect information from my credit file. I ( See the attached XXXX which DOES NOT HAVE MY NAME OR SOCIAL ON IT ), yet it is listed on my report. Transunion has continued to violate the FCRA and the rights that have afforded me by practicing deceptive reporting and Transunion is continuing to aid them by holding my credit hostage with inaccurate information. It is for these reasons that I am disputing the following and asking for complete deletion from my file. 
The following is maintained under my Social Security Number : *********** XXXX Account # XXXX You can see that the attached XXXX DOES NOT HAVE MY NAME OR SOCIAL ON IT BY ACCORDING TO XXXX OWN DOCUMENTATION AND REPORTING. Thanking you in advance for assisting me in having an accurate credit file, with your credit reporting agency.
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( US BANK ) reported hard inquiries to my credit report without my consent. I have contacted the creditor with no success of removal
I used Western Union to transfer money to a consultant in XXXX on XX/XX/XXXX using a bank account which indicated that the funds would be available on XX/XX/XXXX. 
On XX/XX/XXXX the receiver was not able to pick up the funds and when I called WU they informed me that there was a technical issue at their end and they will resolve this within 24 hours. On the online account it was still showing " In progress '' on Monday XX/XX/XXXX. I called WU at XXXX XXXX EST and was on the phone for an hour, the agent suggested I do a debit card transaction and that she would give me a promo code so I would not pay more than the bank account transfer fees. When I attempted to complete the transaction, the fees were reduced 50 % and this would make me pay {$56.00} ( {$25.00} more than the bank account fees ). I called WU again and explained the situation from the beginning. The agent seemed willing to help, after a long wait for her supervisor she managed to tell me that she could waive the whole transaction fees and that in order for that to happen I would have to go to a specific WU agent " XXXX XXXX '' to make the payment and gave me a temporary tracking number. Although there are numerous WU agents closer I had to drive 14 miles to this specific location. When I gave them the number, it wasn't on their system. They called the manager who was extremely helpful and asked me to call WU, after explaining the situation for the third time to WU, they gave me a phone number " agent assistance line '' and requested that the XXXX XXXX manager call them. He called them and then they requested to speak to me which they did and at the end the agent said she had resolved the issue and that WU customer service will call the " XXXX XXXX '' manager to direct him on how to complete the transaction. WU called the " XXXX XXXX '' manager and informed him there is no way to waive the transaction fees. It was XXXX XXXX ETS and the issue had not been resolved. I had to complete the transaction online and pay the full fees for the transaction and wait another 5 days for it to process. 
This is the temporary transaction number I was given to use at the " XXXX XXXX '' agent : XXXX. The original transaction number is attached in the documents below, as a screenshot of the transaction that was cancelled by WU in order to resolve this issue.
Obtained my degree, and have had difficulty finding a job since. Companies do not want to hire someone out of college with a degree. They seem to want to hire those with more experience. As a result, I have had difficulty paying my loans when I only make XXXX a year.
US Bank has had XXXX my sellers files under review for short sale approval for the XXXX time since XXXX. The file was completed and sent to a negotiator for a new BPO to be ordered and a new value to be placed on the property. I notified the bank several different times regarding the condition of the property. There was a break in about a year ago and all of the plumbing, electrical has been removed from the home.. US Bank filed an insurance claim against the property for the damage done, but never did fix anything. I was notified by my new negotiator that the BPO was in. That was strange due to the lock box never being opened since XXXX of this year. I asked when the BPO agent was there and he said the XXXX week XX/XX/XXXX. I told him about the condition of the property and he told me the BPO did not have any of this info on it and the pictures that they had also did not indicate the CURRENT condition of the property. I was told by this negotiator that he was just going to close out my file since the BPO and insurance claim were not on file for him to see and our offer was not meeting their VALUES. I told him that I was going to dispute this value and the validity of the BPO. the pictures they have on file are supposed to be from this XX/XX/XXXX, which is impossible since no one has accessed our key box XX/XX/XXXX. There is apparently FRAUD going on here because the negotiator will not investigate this discrepancy or find out why the BPO agent stated this was a recent value. I sent the negotiator the inspection report along with color pictures. bids to repair this work along with the buyers counter offer XXXX. The new assessors value for taxes show the value to be about XXXX which is FAR less than the XXXX value that they have place on it under a BOGUS valuation. This is fraud!
Between XXXX, my account was compromised. My bank never contacted me regarding any suspicious activity or anything. I closed the account XX/XX/XXXX. XX/XX/XXXX I contacted my bank. I spoke with a claims representative about the unauthorized transactions. She told me that she would take care of it for me. She told me not to worry. After over 30 days, I received a portion of the money that was taken from me. There were several claims filed ( around XXXX ). I submitted a letter requesting all of my money be returned for XXXX of the claims. This would total over {$15000.00}. My bank sent me an electronic letter the very next day saying the transactions were authorized. I called and was told they had my computer 's IP address. I requested to review the information the had. I never received it. Thereafter I received a letter approving and finalizing my claims. I submitted another letter requesting the return of my money. Then the claims representatives told me that I had not reported the transactions within the 60 days. This is the first time I had heard of reporting unauthorized transactions within 60 days. I began researching. My bank has not been telling consumers about this within 60 days rule. My bank stated to XXXX consumers via social media sites XXXX, " All Chase cards also come with zero fraud liability protection against unauthorized use for cardholders. '' My bank has also stated this in their publishing XXXX. XXXX reaches about XXXX consumers. How can my bank refuse to return my money using this 60 day rule ; But, refuse to inform us this same rule publicly? This is misleading. My bank is telling XXXX us everyday that we are not liable for unauthorized transactions. I was returned a portion of my money. I am asking that XXXX claims be returned in full. Today XXXX stated the same quote of zero fraud liability protection from your bank. I have been reaching out to the Executive Office XXXX, the Corporate Office XXXX, Claims representatives, Department XXXX, and a local branch urging them to return my money. I even lied like I had already contacted your organization and filed a complaint against them in hopes of prompting them to do the right thing and return my money. I review their social media sites every single day. So many consumers are complaining about the same thing. They can not lie to us publicly in an attempt to attract more customers, then refuse to stand by their public statements. This is misleading. The Federal Trade Commission refers to this in Section XXXX of their FTC Act : Unfair or Deceptive Acts or Practices. I really want my money returned to me.
I am a teacher and a graduate student taking online classes via XXXX XXXX XXXX XXXX. I started taking classes in XXXX 2015. ACS Student Loan Services took over about {$24000.00} of my student loans and XXXX took the other student loans. I have approximately XXXX student loans. In 2015, I applied for an in-school deferment. I was initially denied by ACS, but I persisted in contacting them, because I knew that I was at least part time, if not full-time and therefore eligible for an in-school deferment. ACS denied the deferment, and claimed that XXXX XXXX XXXX XXXX did not meet their requirements. Over the summer I was sent an email by XXXX indicating that they now met US Dept. of Education requirements for in-school deferment. I summarily filled out another in-school deferment. They yet again denied my request. They are now threatening me with default, and wage garnishment.
Ive had an open Foreclosure it was closed. and reopened when the statute of limitation ran. Reopened ive tryed doing loan modes and SPS. well not work in means want a large down. Most of my life ive worked in XXXX XXXX. and for family reason i had to leave. I stared back this year. I did an Investigation on my case when they refuse to work with me. the loan stated in Fl. with XXXX   XXXX. the vice President was arrested. the loan started in XXXX XXXX XXXX placed a trust in XX/XX/XXXX the trust was closed in XXXX also the Vice President on Trust is on XXXX XXXX XXXX Robo signer sheet. Understand i owe money but its not to the trust it was not placed into or XXXX XXXX. SPS. said the Appraised the home for XXXX I can short sale it for that. to do a Loan mode its XXXX with XXXX down. XXXX VS XXXX XXXX. i attached the paper work is the same case I have. everything is attached. Thank you in advance. P.S. Iwas refereed by TEAM TRUMP