WillisBack/dataset-financial-user-claim huggingface dataset:
I have a collection account on my credit file that has been paid. I have disputed this account with Equifax 3 times with the last time being XX/XX/XXXX and most recent today, XX/XX/XXXX. I have included in my dispute a copy of the letter from the company saying the account has been paid and satisfied in full.
XXXX Consumer Portfolio Services has called my place of work several times a day, several days in a row. He interrogates my support staff of my whereabouts when they tell him I am not available and even asked them for my cell phone number, which they already have. He even yelled at XXXX my receptionists, when she told him I was not in. This afternoon, after being told I was in a meeting with a XXXX, he strongly insisted to speak with me. I excused myself for a moment to let XXXX XXXX know I was in a meeting with a XXXX ; and he was rude and yelling at me. He tried to speak over me as I was telling him that I was not going to have a conversation with him at that time. He began talking over me again by stating that the call is being recorded. I said, ok, the call is being recorded, he stated yes can you verify your last XXXX digits of your social security, I said I do not wish to have you call my job, at which time I hung up. This representative has been leaving very cryptic messages with my staff, intimidating my staff to the point where they interrupted my during a meeting. As I see it, they are in violation of the Fair debt collection act because he calls my place of work at least XXXX times per day. There was a time he called and left no information, just said he would call back in the afternoon. He intimidated my office staff to get me on the phone.
I am a victim of identity theft and identity fraud. After looking through my credit reports I found the hard inquiries that I do not recognize. 
XXXX XXXX, FL XXXX Inquiry date : XX/XX/2018 Inquiry date : XX/XX/2018
I have made several requests to have my property tax Escrow payment reduced because I filed for Homestead Exemption in XX/XX/XXXX and it was approved for this year, XX/XX/XXXX. I submitted all the documents I received from the XXXX County Tax Collector 's Office to the loan servicer, Lakeview Loan Servicing , LLC and they are refusing to make the necessary adjustment to my Escrow payment. I am still being escrowed for {$3400.00} per year when my taxes was reduced to {$2900.00}, a difference of {$510.00} per year. I think it is unfair that I am being forced to put more money into my Escrow account than is necessary. I also feel that Lakeview Loan Servicing is in violation of RESPA because they are charging penalty fees on any mortgage payment made between the XXXX and XXXX day of the month. RESPA says that they can charge a fee from the XXXX day. This is very unfair to borrowers and I think Lakeview should be held accountable for their illegal actions. It is this type of reckless greed that forces the govt to protect consumers from unscrupulous lenders, thus the CFPB. If possible I would like to have my loan transferred to a different servicer. These people are the worst!!!
I contacted Diversified Consultants Inc. on XXXX/XXXX/XXXX concerning a credit report account opened XXXX XXXX, XXXX for {$2200.00} by XXXX XXXX XXXX. I asked to receive validation of the debt with an original bill due to the fact I have had XXXX XXXX phone service for years now and the date they placed on my credit report was in no way accurate. The representative and her " supervisor '' told me that they do not actually have a bill and would have to request one and that the date on my credit report is not the original date but the date their company decided to put when they bought the debt. I know this to be illegal not to mention I am being refused my basic right as a consumer, being able to validate this debt with paperwork. The " supervisor '' tried to rush me off the phone saying I would be sent a bill in the mail once they tried to get it from XXXX XXXX XXXX without even having my current address. I stopped him and gave him my current address in which he stated " oh, I was just about to get that. ''
CAPITAL ONE IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY
My mother has XXXX, she needed XXXX. I applied for some personal loans to help pay for the XXXX and got over my head. I joined a debt consolidation that made a lot of promises that they did n't keep. They were taking my money and making payments to XXXX XXXX, but XXXX XXXX was n't accepting them as regular on time payments because they did not approve the program, although no one told me that. So the account eventually went to Vital Solutions collections. I found this out by calling XXXX XXXX to try and come up with a solution, they sent me an email saying that I would now need to work with XXXX XXXX. I contacted them on XXXX XXXX and spoke with a gentleman. I explained to him the situation, and told him that I would n't be able to make a payment until XXXX XXXX. He said that it was fine, and that he would note the account that I would n't be able to make a payment until that date. He said if anyone called me, to just let them know that there are notes on the account. Around XXXX XXXX, a debt collector named XXXX from Vital Solutions started calling me at my place of work regarding this account. I told her that there were notes on the account, and explained my family 's situation. She told me that I had to pay something now and that this was a very serious situation. When I explained to her that I could n't do anything until XX/XX/XXXX, and that I have to feed my child, she told me that I had to pay something and that she would continue to call me every three days. She started harassing me, calling my cell phone, my work phone and my parent 's home multiple times a day. She told my father that I was in serious trouble and that I needed to call her back. My parents knew nothing about my money issues and with my Mom 's XXXX, I really did n't want them to know. XXXX and I had discussed me possibly being able to take some money from my 401K, I told her I would let her know if this was possible. It was not, they turned me down. On XXXX XXXX, I had had enough of XXXX calling my parent 's home early in the am before they wake and calling my work multiple times when I have a call center job. I can not be getting calls from debt collectors on my phone at work when my job is to answer customer calls. I called Vital Solutions in the afternoon on XXXX XXXX to tell them that they could not call my work. I spoke with XXXX XXXX and explained my situation. She said that she removed both my work number and my parent 's number and that XXXX would not call me back until XX/XX/XXXX. Today on XXXX XXXX, XXXX called my work phone, my parent 's phone and my cell phone all around XXXX PST time. I called right back and XXXX XXXX answered, she was shocked that XXXX called me as she said that she removed the numbers from the system and also personally spoke with XXXX telling her not to contact me until atleast XX/XX/XXXX and never to call my work or parent 's home again. The calls are recorded. I then spoke to XXXX who agreed that she did break the law by contacting me after XXXX removed those numbers from the system and told her not to.
I have been receiving numerous threatening phone calls and messages from this collection agency Brenman & Clark and when I finally decided to talk to them, the person disclosed personal information about me that I was very uncomfortable with. For a moment I thought it was a scammer. This person was extremely rude, threatening and continues to harass me.
There was a charge to my account on XXXX/XXXX/16 I did not recognize so I called to report fraud. They closed my account and sent me a new card while they investigated. Then on XXXX/XXXX/16 there was another charge from the same merchant but on my new account? I found this out when I called them to follow up on the status of the first fraud charge. The amount was different than the first charge. The amount is reflected in my balance but is no where in my activity or on any of my statements. They can not explain why but assure me the charge is there. Again I told them I have not done business with this merchant and I want it removed. I was angry they even allowed the second charge and did not even notify me. And therefor what is the point of closing the account and giving me a new XXXX if the person committing the fraud can still charge the previous account and then it bounces to your new account. Their explanation was I must have signed up for something with monthly payments. Again I told them I did not. Next they closed my XXXX card and issued me a third XXXX. They gave me the number for the merchant and I called and spoke to a man. He said it was his business but he did not charge my account. He said if I can show him proof with a statement or activity he would gladly send me a money order. I called the credit card company again and they told me they ca n't print it and they have no idea why I ca n't see it or why it is not on my statement. So I ca n't go that route. Next they said they will need to start another fraud case and investigation for this new charge. At this point it has been 2 months and about ten phone calls around in a circle with a different person every time and the amount is still reflected in my balance. The last person I spoke with assured me they would take care of it and it would be XXXX5 business days. It has been XXXX now and I 'm fed up and very angry. I also wrote them a complaint letter and go no response.
I have asked Transunion to fix these issues and i have sent copies of cease the reporting of these inquirese as soon as possible on my credit file. Also new ones have been added recently that do not recognize and i have asked to be removed. I have not been credit shopping fpr new credit in the last 4 years for new credit.
this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social XXXX
Grant & Weber Inc out of XXXX NV is trying to collect a debt from CALIFORNIA on a Medical debt for XXXX XXXX XXXX XXXX which already was challenged and disputed for services never rendered this debt to believe after investigation someone using my name for XXXX XXXX XXXX XXXX never complied and or sent proof ( SIGNED AUTHORIZATION COPY FOR MEDICAL TREATMENT AND OR WAS NOT MY SIGNATURE OR ID ) Grant and Weber in the past and present has researched my name and credit profile and is soliciting so called past debt and purchasing bad uncollectible PAST DISPUTED DEBTS and calling and threatening to take legal action against me,
I called XXXX XXXX to see why I was being put into collection.XXXX XXXX told me it was for non returned equipment.i had returned this equipment.erc is the collection agency I contacted them to let them know I had returned the equipment and they said there was XXXX dollar late return fee I have not seen a contract with this on it with my signature.this is an added fee that I need a copy of the contract that states this.the man at erc said if I don't pay he will report to the credit beaureas.i informed him this was a violation of frca rules and I was contacting the cfpb.he said it could be resolved if I payed him today or he would report to the credit beareaus.this man was rude and abusive.under frca rules he can not report to the credit beareaus while this is disputed.he needs to be held responsible for his behaviors this was all on a recorded line.
My personal information, potentially my DOB amd SSN have been compramised as part of the Equifax Data Breach known by Equifax as of XX/XX/XXXX.
I was not notified that my data was at risk and am now forced to take actions preventing theft of my identity for the rest of my life.
I applied for an income driven repayment plan because as a first year XXXX XXXX I can not possibly afford to pay standard payments for my federal student loans. I will go into forbearance if I do not start repayments in less than 2 months, but the federal loan service has been sending me messages stating that they will not even consider me for the income driven plan until closer to the time I have to start paying back my loans, which is not until after I will go into forbearance. They have put me in an impossible situation and as a XXXX XXXX who is already making barely enough money to survive on, I can not wait for this arbitrary date that the federal loan service has chosen before they will even consider processing my application.
Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use 200-400k worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it 30-50 point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XX/XX/17 ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX  and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet XXXX placed a XXXX debt of my report. So I again followed the same process the next month ( XX/XX/17 ) and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XX/XX/XXXX the day XXXX XXXX reported to XXXX  I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX  from the agent and I was placed on hold and told " XXXX '' or the federal government. I believe XXXX  is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
I called about fee on my accounts. The XXXX Reps said they were unable to help me with my account. XXXX fee of XXXX and XXXX fee of XXXX dollars. 

I would like for both charges to be refunded of XXXX and XXXX dollars.
Several weeks ago ( 3-5 weeks ) Transunion removed all of my hard inquiries from my credit report at that time my credit score was between XXXX and XXXX depending on which agency I looked at. After the removal of the hard inquiries my score increased again to almost XXXX. This past week I checked my credit report and Transunion added all of the hard inquires to my credit report again causing my credit score to drop drastically to below XXXX. I contacted Transunion and spoke with a customer service rep and his supervisor who told me that the inquires were removed due to a " technical issue '' at this point I informed transunion that the re-addition of the inquires have significantly hurt my credit score, the supervisor told me that the inquiries that were added back to my credit report did n't change my score at all and refused to remove the inquiries again. I want to buy a home in the beginning of next year and have been working very hard to improve my credit score. I feel that I as the consumer should not have to suffer due to transunion " technical issue ''.
I have been trying to refinance my existing mortgage currently with  Specialized Loan Servicing Company  to another lender when I found out previously in  XXXX  I had  two lat e payments back in  XXXX  and   XXXX   XXXX   XXXX    . I have bank statements showing my payments through ACH during the 4 months before and during these periods that show my account was paid on time. I have since had my credit rerun and found they are now reporting a late payment in   XXXX   XXXX    .  XXXX  my report showed it was current and there were only lates from  XXXX  and  XXXX . Now their records are in correct again. I asked the lender to fix this issue and I have gotten nothing but the run around with only worse results. They sent me a payment history with their records and I find it very peculiar that my payment for   XXXX   posted on  XX/XX/XXXX     one da y later to cause a 30 day late. I feel their accounting of has been incorrect that is favoring them as I can not refinance my loan to another lender. Forcing me to be stuck with them as a loan servicing company. My loan was originally serviced by another company called   XXXX   XXXX   XXXX   Since the transfer over the record keeping has not been accurate. My payments a t one p oint were still going to the old company although the transfer had taken place but I was unaware and uninformed. You can see from my record I have never missed mortgage payments in the past. I feel I am not being treated fairly.
I am writing to complain about Equifax because I have written to them twice since XX/XX/XXXX stating that the information in my credit report showed credit inquiries that I do not recall authorizing. I understand that they should not be allowed to put an inquiry on my file unless I have authorized it. I have since asked to please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The stated inquiries :  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Multiple Inquiries from XXXX XXXX, only one was authorized XX/XX/XXXX, and none in XXXX. These inquiries in my credit report are also not applicable nor permissible, and should be deleted.
This XXXX account # XXXX has been paid-in-full. XXXX is reporting the account as " Derogatory '' and in a " Payment Plan ''. Neither is true. This account is also " closed ''.
On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a college student. My mom & I sat down as I returned from college and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX  XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on XXXX. We contacted XXXX & Wells Fargo bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both Wells Fargo & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see XXXX  is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), Wells Fargo credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & Wells Fargo. XXXX did their job and removed it for Fraud. Wells Fargo has not. How did a large national bank such as Wells Fargo allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.
XXXX/XXXX  is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.
Someone needs to do something about American Education Services ( AES ). I do not understand their purpose other than this company is operating similar to a payday loan company. Even though I have verified that I am on XXXX, AES continues to increase the interest every month, and both loans of {$3300.00} each which total {$6600.00} has ballooned up to {$17000.00} ( see attached statement ). Why is the Department of Education allowing this thievery? When a student contacts the Department of Education it only hears " crickets. '' AES will not make adjustments to their loans for XXXX students as XXXX. They are sticking to their guns -- making money. From its actions, AES does not expect this student to ever pay off this loan because as the interest rate increases, this student is getting older ( at XXXX years old ) and income will continue to decrease. AES refuses to accommodate XXXX students other than a decrease in graduated payments. No decrease in interest rate, no adjustment in loan amount, no change in payment classification ( graduated payments ), etc. as XXXX. This student has limited income and even though AES has decreased the payments to {$50.00}, the interest continues to accumulate and the loan amount increases. At the rate AES is going, in 20 years the loan amount will be almost {$50000.00} for a {$6600.00} initial loan. This student 's original payments were {$74.00} two years ago and kept increasing up to {$89.00} until I made AES aware that I am on XXXX. In response to this awareness, AES only decreased the graduated payments to {$50.00} a month with continued increase in interest to assist the student. Where is the logic?
Shortly after purchasing my first home I was inundated with letters from a company by the name of Nationwide Biweekly Administration , Inc. These letters, copies of which are attached to this complaint, claimed to provide a more " budget friendly '' payment for my new mortgage loan, provided a " 100 % SAVINGS GUARANTEE '', dissuaded me from adjusting the payments I submit to my mortgage servicer to achieve the same promised results, and indicated their offer would expire because there was a date for me to contact them by. However, the letters did not list any payment processing fees or enrollment fees. I called Nationwide Biweekly Administration, Inc. on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$2.00} debit fee for every payment ( XXXX payments x {$2.00} = {$65.00} per year ) as well as a " one-time deferred payment fee '' which would be approximately 10 % of the gross savings. Per their own correspondence, their sample interest savings for my loan was {$190000.00}. Per their own representative, that would translate to a {$19000.00} one-time deferred payment fee, which is egregious to say the least. After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative again dissuaded me from doing so. Their representative also advised me their letters have an expiration date because most savings occur within the first year. Their representative also advised me that they would also audit my payments to ensure payments are being applied correctly, to which I replied payment applications are easily reviewable on a payment history from my servicer. I believe Nationwide Biweekly Administration , Inc. has misrepresented the interest savings I would achieve through their program, has mislead me about the cost of the program, and persists in offering a deceptive program in which I in no way requested materials on.