WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is not mine. I 've disputed this acct before it was sold to another collection agency. It was removed off my trans union and XXXX file but Equifax is still reporting it. I 've never had service through the company XXXX. I 've recently disputed it again to Equifax on XX/XX/XXXX when I got my Annual Credit Report and saw that it was on there. I called Equifax today to find out the result of the dispute and they have no record of me disputing last month even though I disputed that item and XXXX XXXX XXXX as well. They state that the last dispute results was from XX/XX/XXXX and that they do n't keep notes of calls. I asked to speak with a supervisor just as I did on XX/XX/XXXX when the call dropped after my disputes should have been submitted since I gave her my email address before I was transferred. Today after my disputes for the same 2 items XXXX XXXX XXXX who was paid off and closed in XX/XX/XXXX is still reporting that it is open and will a balance and the XXXX acct I asked to speak to a supervisor again. Also both times that I called Equifax they claim that they could n't find my report with the confirmation number that was provided on the report I got from them through XXXX. The supervisor XXXX stated that they only keep notes of calls if its important to the consumer such as a dispute ( which was made on XX/XX/XXXX ) or a request to speak to a supervisor ( which was also made on that date ). Now I have to wait 30 more days for my disputes to hopefully actually be disputed. And I was told that they would n't send an updated report to the creditors that have requested my report in the last 60 days such as XXXX who I was denied from on XX/XX/XXXX due to the 2 items I 'm disputing.
I am filing this complaint because Americollect has iqnored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you To provide accurate information showing my original signature that this debt belong to me. If not provide this need to get delete from all credit bureau reporting this false debt.
During times of unemployment and under employment XXXX / Navient would not allow for deferment or lower payments. I was advised that there is a rule that the loan could only be deferred so many months. I used the allotted time during in school deferment. As a laid off adult, years later, my loan ended up in default because of the lack of options.
OUr company borrowed a loan from the hardmoney lender XXXX XXXX for {$150000.00}. The loan rate was 12 %. The loan was foreclosed on because they did not continue the direct charge to the account provided. Upon realizing that the payments were delinquent, we asked them to allow us to catch up. They declined and foreclosed on us. We sold the house. Upon closing they charged us an additional 15 %. They instructed our buyer not to pay any additional funds. They would not close unless we pay the additional 15 %. 
According to florida statute 687 the limit total rate is 18 %. We were already paying 12 % and then we had to add another 15 %. Also the law states that 5 % is the maximum late fee so the 15 % additional charge is unfair. 
We had to agree to the rate because we would have lost the seller. They also would not close unless we signed documents agreeing to these terms. The closing statement sent to us before closing did not include these fees. The final closing statement adjusted the amounts. We were unaware of the hike in fees until then. There was so much deceit.
CostCo made a change from XXXX to Citibank Visa credit cards. I did not authorize their sending a card to me and when on arrived I did not activate it. I was just billed {$55.00} on the card for membership renewal which I did not authorize. The bill will be removed, however in cancelling the card which I never authorized my credit rating ( FICO score XXXX ) will take a hit.
I have disputed the inaccurate reporting of XXXX XXXX XXXX XXXX several times.They are reporting that I owe {$130.00} to XXXX. I do not owe XXXX and this is inaccurate information. XXXX is reporting this false information to Credit Bureaus under different names also. Under XXXX it is XXXX XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX. The investigation into this inaccurate account has been less than adequate.
My mom had a living trust. My brother who had control of trust quitclaimed home back to mom and had her sign fir a reverse mortgage. She wasXXXX years old. Although of sound mind very hard of hearing and to frail to leAve home. Financial freedom was lender. They never inspected home. She did not have a picture identification so they took her social security card had her hold it under neck and took a picture. She was prompted to just sign do n't worry. My mom willed the house to me. She passed in XX/XX/XXXX. Several times I faxed will death certificate etc. To o them. Reached to o several city iprograms to resolve issue so I could patwo years of due diligence y them off. I received forevlosyre notice on XX/XX/XXXX that home was foreclosed and auction was XXXX. Again trued to reach out no follow up calls but XXXX. Telling me yo call back nect day. Never available. Letters were sent yo my mom her spouse the estate of my mom and XXXX brothers. I received nothing. I have 8 days before home of 58 years in family which is worth XXXX the amount of mone owef and financial freefim is still not communicating with me.they sent a bank representntive yesterday looking for ky mom. Two years of worry and they still can not get it right. I believe i should have more time while they correct information. I the owner have never been addressed. They are unethical if not down right criminald.
I disputed a collection account XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the credit reporting agency. The collection agency was unable to properly verify and validate this particular said debt. Even after requesting a re investigation as well as proof of how the credit reporting agency determined this debt to be verified, I was informed that there was no formal investigation and that they only required for the collection agency to enter a code elctronically to verify that this debt that I had no prior knowledge of was accurate. The collection was even removed from my credit file in XX/XX/XXXX and then re inserted without providing me the proper 5 day notice prior to. After calling the credit reporting agency, I was informed that the collection agency may have removed and re inserted the collection in error and that they were unable to remove the debt unless I provided them with a police report. As a result of this misinformation, it has caused me higher rates on my insurance, vehicle purchases, and is also making it hard for me to obtain a mortgage for me and my family.
REPORTING FRAUD ON T HE  XXXX  MAJOR CREDIT REPORTING AGENCIES. 1. EXPERIAN   XXXX   XXXX   XXXX   XXXX  , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX   XXXX  , GA  XXXX . 3.  XXXX    XXXX   XXXX   XXXX   XXXX  , PA   XXXX   / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX   IN SECOND MONTH OF  XX/XX/XXXX . ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY   XXXX   XXXX   XXXX   XXXX   XXXX  . PASS AND PRESENT. 1.   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 2.    XXXX   XXXX   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER    XXXX  / DATE OF BIRTH  XX/XX/XXXX  / 3.   XXXX   XXXX   XXXX   ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   XXXX   XXXX   XXXX   XXXX   ) ) )
I had to place a fraud alert on my credit files that indicates anyone who runs my credit needs to call me prior to doing so and I do not recognize the inquiries on my credit reports. This also violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission. These inquiries are harming my credit file and holding me back from my path to purchase a new home.
Attached, please find a formatted complaint in PDF. 

I filed a complaint on XX/XX/2018 against the company and in a letter dated XX/XX/2018 they replied with many and many lies and disinformation, following are some of them : 1. They failed to address the fact and issue that of the hours and hours of wasting my time going over the same old directions be the prior reps while this were already high ranking reps from their executive office, they didnt even have notes about some of the prior phone call, indeed I was promised in one of my phone calls by XXXX who undersigned the reply letter that she will check it out and will get back to me with answers as to why this was like that, but instead she as well as the other just decided to just hide the facts and just try to get away with lies in their reply and not to address the core issues. 
2. How will a mock enrollment help, if it wasnt done on my specially on my account, this is so stupid, as there maybe certain factors that are on my account while not on their mock account and if they tried it on my account, so how come they just didnt enroll my additional account while themselves while doing that mock enrollment. 
3. If there is no way that I can enroll that account, why would it be so difficult that there back office should just do it, this is just an issue of adding an account to existing functional online access? 
4. They claim that a digital technician tried contacting me XX/XX/2018, this a blatant lie, as I have a record of all of such a phone call, besides the fact they even failed to specify what type of security standards failed. 
5. I was already in United States since then and even tried to enroll while there and no luck, so they are simply declining from taking responsibility for their failed acts. 
6. All their troubleshooting steps where completed and the undersigned of that reply letter knows that, so whats her point of writing it? While that failed? 
7. The claim to trying to reach the customer while there is a suspicious charge, this was not the case here nor did they even allege trying to reach me, so the question is even bigger, if thats their policy, how come they didnt bear by their own policy of trying to call me in order to verify that charge. 
8. The reply letter also simply ignored and didnt address the XX/XX/2018 complaint filed. 
9. Lastly, upon receipt of their reply letter I made sever attempts to call the undersigned of their letter and had no luck reaching her and I wasnt lucky enough to even receive a return call after leaving her a voice mail to return my call ASAP and letting her know that if I will not receive any return call, I will be filing this complaint again.
This complaint is concerning my CareCredit account. When I had my account created in XXXX 2012 to deal with some emergency XXXX  work that needed to be done, I was not told about the specifics concerning the promotional period I was signed up for. When I asked for specifics, the staff, who explained how to use CareCredit to me orally, were quite unclear and could not explain it. 

Thus, I went into using the card without full knowledge of the deferred interest for promotional periods. I am still paying interest on this procedure, and the interest grows every month.
Hello, My Mortgage company Ditech did an escrow analysis on my account in XXXX and raised my mortgage by {$47.00} per month without notifying me. I called and was told that they did the analysis in XXXX and sent out a letter. However I did not receive any letter from them. Escrow analysis normally done in the beginning of the year. Can you help me. If I had gotten the letter then I would have paid the increase as I am living ona budget. 



My name is XXXX XXXX XXXX
On XX/XX/XXXX I received an email that my bank account balance fell below {$25.00}. Upon checking my account balance I saw there were unauthorized transactions. There were 4 cash withdrawals for {$100.00} and one for {$42.00}. I immediately called Bank of America and reported the fraud. The associate at Bank of America was able to spot everything without me having to explain it and put in the claim. He told me there'd be a temporary credit issued and when everything was done the temporary credit would become permanent. 

Approximately 2 months later having not received any correspondence from Bank of America they reverse the temporary credit and denied my claim. When I called to question why they did this they said they couldn't find a single transaction for the total dollar amount. Despite it being several transactions and their employee is the one who found them and put them in the system they were unable to identify the transaction. 

At that time they opened another claim and the Bank of America associate put in each individual transaction and gave me the same speech that this would be a temporary credit that wants to process with simply did it would be a permanent credit. 

On XX/XX/XXXX I was notified that they denied my second claim. When I called in to find out why they claimed the transactions were authorized by me and that my account balance never fell below {$2500.00}. I never had anywhere near {$2500.00} in that account. When I pointed that out to the associate on the phone they said they were not able to find when my account fell below {$400.00} despite me having received an email that says the balance fell below {$25.00}. 

When I explain to him that I was at work all day over an hour and a half away from where I work. So he asked me to fax in my timecard showing I was at work. I did this. I called 3 days later and there is no notes that he opened my claim for reconsideration. 

Everyone I talk to someone at the bank they say their investigators review all the information and make the determination. They say they can't pull the cameras on the ATM to prove that it wasn't me. So there's nothing I can do but have my money stolen because Bank of America denies my claim despite the fact I did not authorize these transactions.
Bank of America ( third-party debt collector ) continues with their harassment practices after I wrote them to STOP contacting me.
Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX The customer service line would not assist me in removing these hard inquiries.
I resided at XXXX XXXX Apartments from about XXXX in which I paid rent. In XXXX I lost my job. I was in direct contact with the Property Manager XXXX XXXX, who told me if I left within a certain time frame that I would not owe anything. Now, XXXX years later I am being asked to pay back {$8400.00} which I never owed even when I lived there, and even if I broke my lease the amount would not be that high still! I was never contacted until a few months ago from a place called Rent Recover LLC. I do not owe this money. I did not owe that much money when I left. When I called the office at XXXX point to inquire if this would affect me getting another apartment they said I only owed about {$1000.00}. I filed with the XXXX, but they would not respond.
I am the co-signer for my daughter 's loans. She is unable to make payments so I took over the payments. I pay each loan separately, electronically ( by loan number ) through my bank, before the due date. I received a call today, XXXX XXXX 2015, telling me XXXX of the loans were late. When I returned the phone call, I found out Navient had placed the money where they desired, not where indicated on my electronic payment information. This caused the delinquency. I was on the phone for over an hour trying to fix the situation, I was transferred XXXX times, to different departments. If I send the payments separately, by loan number, how can they take the money and put it where they want? The loans were not delinquent. All XXXX payments were sent before the due date of XXXX 2015. I asked the customer service representative and all he did was transfer me to the person who was supposed to fix the problem. I spent XXXX minutes on hold while she worked through the problem. When she was finished, I asked her the same question. Her answer was that she did n't know. Before hanging up, I requested individual monthly statements be mailed to me for each loan I cosigned and a statement stating this problem was fixed. Navient may be a separate company, but they are still XXXX XXXX at the core.
I am attemtpting to dispute a hard inquiry that I did not authorized on XXXX/XXXX/XXXX. 
ALLY FINAN I XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL, INC XXXX XXXX XXXX XXXX, MN XXXX XXXX I researched this company and it states that it is in reference to an auto loan in which I have not need for at all and currently am not looking for any auto loans. It is old that it popped up a day after logging into XXXX XXXX.
I pulled my credit reports, only to find that some agency called ERC ( XXXX XXXX XXXX ) had placed a collection on my credit report for XXXX XXXX on XX/XX/XXXX for {$380.00}. I have no idea what this is for or who this is. I have not received anything in the mail concerning this matter. I am sure that is just an oversight or error, but this needs to be handled asap.The information documented on behalf of this collection is incorrect and insufficient. This company is not in compliant with the FCRA which they stand by accuracy, fairness and privacy. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX XXXX and she said that the company was sorry about this and she would dispute this and have this item taken care of. I do not have a contact or any other documents from XXXX XXXX.
Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX XXXX XXXX   Store Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.
This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another one of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XX/XX/XXXX, when my last credit report pulled was XX/XX/XXXX and they were no where to be found.
XXXX XXXX XXXX used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a XXXX illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.
I have an ongoing issue with XXXX. I have a case open. Now they sent me a letter saying I am delinquent but the account page says no payment is due. The letter was generated 3 days after my last payment.
Sometime between XX/XX/XXXX - XX/XX/XXXX, someone fraudulently used my name and SSN but an address in Illinois ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to open a charge account ending in XXXX with a {$1000.00} credit limit at a XXXX XXXX store in New York state and immediately charge {$950.00} in charges on that account ( {$540.00} for an air conditioner and at least one other charge for {$400.00} ). I have never lived in Illinois, was not in New York state in XX/XX/XXXX and did NOT open this account -- I am a victim of identity theft. I subsequently learned the name of a person who lives/lived ( the house at XXXX XXXX XXXX XXXX in XXXX is apparently for sale ) at the address given on the fraudulent charge application also works -- you guessed it -- as a a contract employee in XXXX, NY! I have been in contact with XXXX 's ( they handle the credit cards for The XXXX XXXX ) fraud division but have been told they may take up to 90 days to investigate this issue even though I sent them the FTC document regarding the " Obligations of Furnishers under the FCRA ''. I have also sent them the police report regarding this crime, the FTC " Identity Theft Report '' and proof of my identity and address. The person who made these purchases using the account s/he fraudulently opened using my personal information can not be expected to pay for them and I do not want their fraud to impact my credit score.
I applied to qualify for PSLF in XX/XX/2016 and had my loans transferred over to XXXX XXXX from XXXX.

Currently, they are only counting 5 of my payments towards my PSLF payoff, 4 of which are under review.

I have made 15 payments under XXXX XXXX and made qualifying payments through my previous servicer, XXXX. My count should be in the 30s, not 5.

I've asked several times over several months for a count of my qualified payments. I have not received an update, except several payments made through XXXX are under review.
XXXX  account doesn't match other credit reports. Asked for investigation and it has taken longer than 30 days to provide original documents proving debt or anything owed.
I disputed two accounts via certified mail asking for valid proof ( ie signed contract, or payments made by me toward these accounts ). According to FCRA these companies have 30 days to provide validation and have not done so
Outsource reported debt on my son 's social security number when it was not his. His father has the same XXXX name and they reported his debt as my sons. Now they feel it is n't their problem to fix it. They made no effort to get the social security number before sending it to the reporting bureau.