WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I received two text messages with attached voicemails from my mother and my mother inlaw stating that they had received phone calls from Navient stating that someone was looking for me or if they happened to know how to get a hold of me. They also stated that I listed them as a relative on my private loans. I do not live with either of them nor have I listed their phone numbers on my account for references etc. They have continued to call my family members looking for me as well as my husband. I have already filed a complaint about Navient previously and am still awaiting a response. I continue to pay as I am supposed to yet they continue to call. I have told them not contact my family members as they have nothing to do with this situation and it is a private matter, but they continue to do so. This is harassment in the state of Colorado and should be ceased.
LTD Financial Services XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Texas XXXX is reporting false information on my Credit Report. 
I also checked on the Texas Secretary of State website and according to Section 392.101 of the Texas Finance Code, it prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. LTD Financial Services is not listed. Why is this company breaking the law and ruining my credit? 
Please have them remove these negative listings on my credit report.
About a month ago I received a bill from XXXX XXXX XXXX, stating they had forgotten to charge me {$45.00} for my daughter 's XXXX. I sent out a check for {$45.00}, which XXXX XXXX XXXX cashed on the XXXX of XXXX, 2017. XXXX XXXX XXXX then fraudulently reported me to Universal Recovery Corporation. I took a copy of my cancelled check into XXXX XXXX XXXX along with my collections notice, and they told me it was a mistake on their part, and they were working to correct it. While at XXXX XXXX XXXX, I called Universal Recovery Corporation to confirm this. They said they recived no information from XXXX XXXX XXXX clearing the fraudulent claim. I then requested to speak to a supervisor. The supervisor " XXXX '' got on the line and was instantly combative with me. She tried to antagonize me into a verbal fight, and when that was n't working she hung up on me. I had n't screamed at her, I had n't cursed at her, and I had n't threatened her. I called back to try and resolve the situation, she again was combative, and tried to instigate a verbal fight. She then lied to me, and said her company had only called me once. They have called me 3-4 times. She also said if I continue to call her she was going to call the police on me. Again I was n't screaming, cursing, or threatening her. Now I do n't know what to do. I did nothing wrong, and was fraudulently turned into collections by XXXX XXXX XXXX on XXXX/XXXX/XXXX. Now on XXXX/XXXX/XXXX the collection company, Universal Recovery Corporation told me if I contact them again they will call the police on me. I have always paid my bills on time, and have no idea what the next step for me to take is. Even if I wanted to pay the {$45.00} debt, I do n't owe, I ca n't contact Universal Recovery Corporation, or they will report me to the police, as supervisor XXXX stated.
I a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.
I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information.
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

ACCELERATED FINANCIA Account Number : XXXX Account Type : Open Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/2017 Balance : {$1500.00} Terms : High Balance : {$1500.00} Limit : Past Due : {$1500.00} Payment Status : At least 120 days or more than four payments past due Comments : COLLECTION ACCOUNT
My Auto payments set on autopay failed during a bank buyout We did not realize that payments were not being made I did not receive a call or a email or any notice of any type .My vehicle was going to repossessed the first person to get a hold of me was a local repossess agent. 
I immediately went to bank and wired funds for 120 days past due the fees i am being is outrageous
Bought a 2016 XXXX XXXX in XXXX of this year. Financed through Santander consumer. Made payments at our local Santander branch every month. Receipts to prove this. Tonight they repossessed my car saying no payments had ever been made. Offered to send them the receipts that I gave and was told I 'd have to take it up with the branch I made payments at to see if they could find the money. Refused to work With me at all, or even really listen. XXXX with a supervisor who said same thing. The repo order us out, nothing we can do. You should n't have made your payments that way. You can go to the branch tomorrow but we are taking the car tonight.
XX/XX/2019 a hard inquiry was done without my authorization. The company shows up as XXXX/ XXXX  . It happened in XXXX, Florida. I saw this on the report provided by transunion.
l was unemployed for 9 month from XXXX to XXXX XXXX in XXXX applied for mortgage modification with JP Morgan chase my lender and I was told I needed to have 3 month of default to get any help. So I defaulted 3 months and in XXXX I applied and got approved for mortgage modification trial starting XXXX XXXX. I made my XXXX XXXX payment with the amount they set in modification. on XXXX XXXX XXXX dropped of the paperwork that needed signed and returned to chase by XXXX XXXX we had travelled away for XXXX holiday and when we returned on the XXXX XXXX we sighed and XXXX the paper work back to chase. on XXXX XXXX we received a letter from chase stating that we were no longer in the mortgage modification plan and our home was being escalated into foreclosure process if we did n't submit the defaulted payment. we contacted chase and they said they received our signed paperwork late on XXXX XXXX and for that reason we were no longer in the modification plan. we have contacted chase XXXX XXXX XXXX several times on XXXX XXXX I was told by that my application is going to be activated again. on XXXX XXXX I called to make my monthly payment and the customer service refused to take my payment citing that I need to pay minimum {$3000.00} on defaulted account since I was no longer on modified plan. I called back chase this to ask how and where to make my payment and they told me they cant take modified amount and if they do n't receive payment by XXXX XXXX my home will be foreclosed on. the signed document that chase has said they arrived late are date XXXX XXXX when I told chase that due to the holiday may that 's why you received mail late. they told me that 's not their problem that they need those documents by XXXX. when I asked chase why they waited until XXXX XXXX to send me the paper work and nobody knows why. I asked the paper work over and over they kept saying it was coming and when it came we were gone out of town for XXXX.
Equifax list student loans backed by the Stafford Loan agreement as " Installment Loans ''. Which technically they are installment loans but you can not declare bankruptcy on them. The other Credit Reporting agencies do not use Student Loans as installment loans. They are listed as Other or Student. That way the Debt To Income ratio for your score is not as highly affected. This is not fair if the Student loans are on a " Income Based Repayment plan '' like 48 % of Americans use. This compounds any actually " Installment '' loans such as Auto, mortgage, etc.. we may get. For instance my DTI ratio is 109 % because of the equifax listing. My student loans are compounded with my car loan. This throws your credit score down about 40 points.
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3200.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
I was added as a co applicant on my brother 's and sister in law 's CHASE credit card. 
This was an unauthorized action and CHASE has been informed. All necessary documents have been sent to their corporate office. 
My brother and sister in law open a credit card with CHASE Bank account 16 years ago ( XX/XX/XXXX ) under their name and 8 years after ( 2011 year ) CHASE added me as a co applicant by error -- FRAUD. 
XX/XX/XXXX My borther and sister in law submitted a letter to Chase explaining this matter together with their attorney 's letter confirming I am not a co applicant on the account but CHASE is not authorizing to remove my name from the debt. 
They have never sent me a credit card under my name neither I have never purchase any items with their CHASE credit card ... You may ask for purchase receipts on record thru the 15 years the card has been active and confirm my signature is not in any of their sign receipts. 
When I called to confirm my name and date of birth they had the wrong year on their records as well, this is a very important matter CHASE is reporting the account on the three credit bureaus and my credit may be affected do to this situation. 
See attached letters sent to CHASE BANK from the original card owners and myself. 
I also included my license and social security card to confirm my signature. 
Please keep in mind my social security card was provided to me when I was a minor XXXX XXXX XXXX when I first enter the country my adult signature in on my license.
I have submitted a valid police report to XXXX, and Equifax since XX/XX/2018. XXXX  and Equifax advised me my police report was not valid, that is not true. My report is a valid police report, from the XXXX Police Department, and this report can be verified. I live in a local town, I went back to the police department and was advised no one contacted the police department to verify if this report was valid or not. However, it is a valid report. 

My life has been a complete nightmare, for I have been denied credit, turned down employment, and unable to provide adequate shelter for me and my XXXX sons. 
I am a victim of identity theft, from a data breach, enclosed is a copy of the Class Action Settlement that I am a valid member and have been provided free credit monitoring services. 

There are several fraudulent accounts that has reported on my credit bureau I have fought with these credit agencies for over four months to remove this information. I have provided the credit agencies letters, from the many companies advising me that I am not liable for the accounts and they would remove it. But for some reason these credit bureaus refuse to remove it.
I applied for Citi Double Cash Card online and was approval. Citi sent me the physical card and a form which request for more information including Form XXXX and a copy of my social security card on XX/XX/XXXX. The deadline of this request is XX/XX/XXXX. 
I mailed the information Citi asked on XX/XX/XXXX. However, on XX/XX/XXXX, Citi mailed to me a letter stating that my account is closed without explanation on what is missing for my documents. I called in to check with them. The operator told me something about my last name is missing and my only option is to re-apply for this card. I was furious and hung up. A couple of days later, I called again to Citi and asked for a supervisor. I told her that I was going to file a complaint if Citi do not take action towards my issue. The supervisor agreed to reopen my account and asked me to wait for 5-7 business days. However, about two weeks later, I did not hear anything from them, so I called again, another supervisor told me that Citi can not reopen my account. The only option is to re-apply and have another inquiry to my credit history. The way Citi treated its potential customers is absolutely terrible. No clear reasons are provided. No notifications are sent before actions. No actions are taken after promises.
I have no knowledge of this debt. There was no invoice sent to me. 
This company has reported this on my credit report. 
I called XXXX XXXX but I was not connected to anyone. 
The bill is in he amount of XXXX. 
I am requesting validation of this bill.
XXXX XXXX has been included in my bankruptcy case number XXXX out of the XXXX XXXX XXXX XXXXf Michigan. They are still reporting monthly that my account is delinquent when they should have just reported it as a part of the Chapter XXXX wage earner plan. Can we have this negative reporting stop.
PNC Mortgage raised my escrow amount without submitting a new escrow analysis, in violation of 12 CFR  XXXX. No taxes or insurance premiums have changed, so I believe the change is in error. I have called customer service about this twice on XX/X/17 and received contradictory explanations from the two customer service reps. I then asked to speak to a supervisor, and was told none was available.
Debt continues to be reported as an unpaid collection account. This was paid in full nearly 30 days ago and verification of that payment was provided to this collection agency via certified mail with return receipt attached.
I consistenly monitor my credit reports from all three bureaus, and I am highly frustrated and disappointed with the information that Arvest is reporting to these bureaus.

They main problem is every other month, Arvest says, " we are reporting your information accurately '', then I check with the bureaus ; XXXX  as an example : shows that the account has been closed as of XX/XX/2018 or a month before. They also show no payment history from XX/XX/2018 back to the beginning of this loan.

I have no payment history showing for any years previous to XX/XX/XXXX and XX/XX/2018.

I have a problem with that because Arvest has collected my mortgage payment for years and they onlly show two months mortgage payment of 2018.

The other sad thing is, I have filed several complaints with the CFPB and you all have just stood by idlely and allowed this company to continue to practice these deceitful practices.

They should be held accountable!!! I have no words even for the purpose of filing this complaint. You constantly just forward the complaint and you don't get involved with the process legally. LOOK AT MY INDIVIDUAL CASE AND SEE HOW LONG THEY HAVE VIOLATED MY RIGHTS ( that CFPB is supposedly overseeing ). This is a joke There is clearly a problem with my mortgage company, their third party reporting agencies and the credit bureaus reporting my mortgage information accurately without closing my mortgage account every other month.

Who does that? I make a payment and they close my account when they try to report it????? "?

This has taken a toll on my credit score and report to where I am unable to procure, refinance my loan because the account is " CLOSED WITH NO HISTORY ''.

I am desperately imporing that you take a closer look at my mortgage company, who they have reporting my payments or all 3 of the credit reporting bureaus and their third party reporting entities and how they procure/verify that information.

I NEED INTERVENTION NOW!!!!!!!!!!!!!!!!!!!!!!!
I took out this loan on the internet as a short term loan to get my business going for my busy season. I thought I understood the terms interest rate and the due date. After paying direct debits through my bank account for six months I was surprised to see the loan balance was the same amount. When I called them I asked why the payment came out on different dates. They explained something I still do not understand. My understanding was that the payment was due on the XXXX of each month but that is not the case. 

I told them that was not the way it was presented to me and that they should back date all my payments to the XXXX of the month. I have never missed a payment over 1 year and have only paid {$100.00} off the Principal. 


I feel like this loan was misrepresented to me and I now see there is no way I am able to pay it off in a timely manner.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00}
Bank of America sent me XXXX credit card offers checks for no interest for 12 months and 3 % transaction fee. I accepted the offer and deposited XXXX check into my account. They started charging me interest on both accounts. I tried to argue and tell them that this was 12 months no interest offer. They did not agree to remove the interest and said the offer was not valid if you deposit the check on your name. They said it had to be deposited on someone else 's name. I said If I had read that then I would have certainly deposited in my wife 's name and do an online transfer to my account. I said, there is no where written in the offer that I can not deposit the check in my name. They wrote me a written mail that it was written on top of check that the offer is invalid if deposited to your name. I requested a copy of the check to verify and confirmed that there was no such thing written on the check ( check and their communication is attached ). I tried arguing as this is a fraud and stopped making payments on both cards. Ultimately they ruined my credit history. Please look into this as I seriously need to buy a bigger house as my mother lives with us and i only have a XXXX bedroom house with XXXX kids, my wife and mother. I have attached their communication and copy of the check
I started a loan modification with Citi mortgage in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. XXXX service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when Citi sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from Citi. I requested my note from XXXX over 45 days ago and they still have n't provided it. Citi reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to XXXX and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies Citi ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.
I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted Transunion, XXXX, and XXXX about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
Applied for a US Bank credit card, co-branded with XXXX XXXX a few weeks ago. Just got the card a week ago and now they are stripping the most valuable benefit from this card. The benefit ( a free night on any reservation ) is still on their website and advertized to people who sign up. I find this extremely unethical and dishonest. All they offered to do is close the card, but my credit report has already been pulled and is now worse than it was before opening this card. In addition, while talking to them, their agents constantly lie and evade questions.
In XXXX of 2018 my Citi AA Advantage card had a fraudulent charge so I was issued a new card with a new account number. From that point on this account no longer reports on my credit file with all 3 bureaus. I have written monthly to Citi including sending credit reports asking that they report. Every month I get a letter stating they are reporting and it will update in 30 days. It never happens. I have 2 authorized users and this account is reporting on their credit files. I am the primary and it does not report on mine. XXXX XXXX told me Citi needs to contact the XXXX XXXX support line so they can walk them through what is wrong on their end. I have requested this but still no results. Please help!