WillisBack/dataset-financial-user-claim huggingface dataset:
I was scam thought XXXX. ( XXXX ) XXXX. I know I ca n't get my back but person need to be stop. Flip scam. I should know better but I was in XXXX after losing my father. I lose XXXX dollars. Using money Gram and XXXX XXXX. But I want him to be stop. I have account with both. I hope he do n't use my information. I attached some of the dumbest I have done.he said his name XXXX.
A few months ago I saw looked at my XXXX XXXX credit report. On the report I saw a derogatory entry from XXXX XXXX XXXX/Fresno Credit Bureau, through XXXX for {$1500.00}. There is no identifying information about this " account. '' I have received no letters or phone calls about this from the credit bureau and I do not know what this is about. Are they allowed to just add stuff to a credit report without even contacting the person they are denigrating? My credit score is obviously lowered because of this phantom entry.
The XXXX/ XXXX XXXX account ending in XXXX was on my credit report for years and the credit bureau 's ( XXXX XXXX XXXX , Experian ) never  validated the debts but allow them to report it to them an they put it on my report this is a violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. This has hurt my ability to obtain credit. This is not the only account that is not validated but they say they are working on them but should have been verified before it was put on my report.
Due to unfortunate circumstances, I missed a payment on my Capital One credit card ( didnt pay in full ; I pay half out of each paycheck ). I made up for it, and paid more than what I owed. However, I was informed that even though I was paid up, I get charged 2 months of interest because of a rule break that doesnt give me a grace period anymore. At no point on my bill does it say this. I get paying the first missed payment interest. But late payments are charged XXXX. I have been charged over 60 dollars in interest between the 2 months. Im not a bad customer that is constantly late. I pay on time. I called to have the second charge removed since on no where on my agreement does it say they can continually charge me interest on my purchases until the 3rd month if I didnt pay my balance in full. It says only on the missed balance, which I paid off. I contacted them to see if they could forgive the unnecessary interest charge on a balance I paid in full, and they said there was nothing they can do about it. I asked for a supervisor, and she said the same thing.
Wells fargo never gives a current statement that makes since. Then charges me outrageous overdraft fees. Even if I do have money to cover it in my accout. Over the past year I believe I have paid over {$250.00} in unjust fees thar they use confusing word play to make it seem to be my fault.
My truck was totaled due to a vehicle fire and the insurance company paid the finance company for the truck. The next day after receiving the insurance check, they sent the remaining balance of {$400.00} to the collection agencyou which essentially hit my credit. They did so without informing me of the balance or giving me the opportunity to pay the balance.
I have asked repeatedly for proof of payment history and GC Services Limited Partnership is refusing to provide documentation. Documentation is being required by another lender. Without proof, GC Services Limited Partnership is pushing my family into financial hardship.
Still have items pending I have requested changed or removed. I have requested several times an updated/corrected copy of my credit report mailed to me and still have not received it.
Navient is the WORST student loan company. Navient misallocates payments and suggested me multiple forbearances instead of income-driven repayment plans. They provided unclear information about how to re-enroll in income-driven repayment plans. They also call non stop, harassing me when I asked them to email. I am making {$350.00} per month and I am ONLY paying for interest. At this rate I will be paying them my whole life.
I have been contacted by Diversified Consultants in regards to XXXX. XXXX XXXX never reduced my bill the amount that I was told for 3 months straight that it would be by switching to their new owner XXXX I switched to a new company for cable service due to this experience. I told them that I do not owe the final amount based off what my payment should have been. I have been receiving up to 5 phone calls a day from Diversified consultants. I explained the situation and that I would be paying the final amount due to the error in billing. The agent became loud and derogatory. I asked that I not be contacted again in regards to this matter. I receive these phone calls every week Monday through Friday while I am at work.
The company keeps calling my phone looking for my husband. I don't owe the debt and this is not his phone!
On XX/XX/2018 I pulled my equifax credit report. Upon pulling it I discovered several collections accounts listed with no name and no contact information. Ive called equifax who informed to call the company listed on my reports, I explained no company name or contact information was listed on my report. I tried to explain several times with no avail. Please help.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
They should begin to rectify this heinous breach by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident, regardless of their " judgment '' of who to contact.
My credit report is being negatively impacted by a creditor that repeatedly send inquiries regarding a debt that I had disputed and that they neglected to correct ( or offer an explanation ). They also failed to report the dispute to the credit reporting agencies and continue to submit multiple inquiries to the agencies stating the exact erroneous information.
The majority of these inquires either do not reflect any information ( just notes N/A ) or repeats previous information like " account closed ''. In just a 4 week period ( XX/XX/XXXX thru XX/XX/XXXX ) the creditor made XXXX inquiries with one of the credit reporting agencies ( XXXX ) even after they reported the account was closed. 

This tactic is obviously having a negative impact on my overall credit score and appears to be designed to make it look like there are numerous negative activities rather than the single one in question. 

I am requesting that this creditor be compelled to stop this practice and reflect that this debt was disputed and not resolved without providing me with a definitive explanation.
I reported the fraudulent use of my email soliciting money transfer and loans from my retirement account agent. The email hacker received IRA statements and loan forms from my agent. The hacker also impersonated a loan officer in my credit union to request and receive a voided check from me while I was in loan negotiations. Once I discovered the impersonations I set up a fraud alert prior to requesting a free credit report. I am hoping the fraud alert is preventing my request for a copy of my credit report.
I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( XXXX ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT XXXX? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( EQUIFAX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?
I made a purchase for a suitcase from an online merchant which represented themselves as an original brand. When I received the item and the purchase confirmation I realized the merchant was actually overseas but presenting themselves as a local brand. As soon as I received the item I was unsatisfied and contacted the merchant. The merchant was overseas and were limited in there English writing skills but I did get in there messages to return the item and that they would provide a refund. 

I disputed this transaction with my bank USAA initially on XXXX XXXX, 2017 the amount of {$250.00}, almost three weeks after the initial purchase. They provided me with a provisional credit right away. But it seems they needed more information on the transaction and because I did not provide it they came back and took the provisional credit back. After realizing what occurred and speaking to my bank I went to my email and provided the bank all of the requested documentation including emails between me and the merchant and USPS documentation showing the item was returned back to the merchant. 

It has now been over 100 days I still have no solution to my dispute. I 'm still waiting to have my funds of XXXX refunded. The item has been refunded back to the merchant. the merchant has stated they have requested to the bank to have funds refunded I do n't know if that is true or not.
Account was sent to collections ( XXXX XXXX XXXX ), account was sold to Global Trust Management. Account was paid, neither XXXX or GTM will report information to credit repositories. Disputed account with supporting documentation ( receipt from GTM ) and XXXX still reporting account unpaid - been 60 plus days and disputed account and XXXX does not own account - sold to GTM and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from GTM and XXXX not deleting account on credit report and acting as unaffiliated third party.
There was a federal lien on me that has been withdrawn by the IRS, but Equifax keeps reporting it as " released. '' I have disputed it twice and both time I received notification from Equifax stating that they verified the lien and the item is being reported correctly on my credit report. They refuse to remove the lien from my credit report even though the IRS has filed a withdrawal of that lien with the county court. I need them to remove that lien from my report because it is hurting my credit score.
Sent by certified mail on XXXX a dispute request to XXXX regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from XXXX  saying there review was complete and that the information on the report was verified with the court and updated. I supplied XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is XXXX.
When I first began repaying my student loan the payment was XXXX/month at the time I was working part-time with the anticipation of being made full-time, but that had not occurred yet. I called my loan provider immediately and told them ( Sallie Mae ) my situation and I asked them if I could lower my payment for a period of 3-4 months until my pay increased. 

They told me no. 

My options were forbearance or pay the amount. So, not wanting to affect my credit or increase the amount of interest on my already steep loans - I paid the full amount even though it was a struggle. They were rude, no help and caused a significant amount of XXXX in that situation. 

I 've been paying faithfully and my interest rate continues to climb, I have n't made an impact in the balance at all I feel even though I pay monthly. I understand this is my debt, but I 've never had a bank or any provider of a service unwilling to work with a customer on a payment for a month.
On XXXX/XXXX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>Transunion : XXXX XXXX listed as an " adverse account '' XXXX : XXXX XXXX listed as a " Negative '' in XXXX XXXX XXXX report : XXXX XXXX XXXX " date of 1st delinquency, '' XXXX " Date major delinquency 1st Rptd '' On XXXX/XXXX/XXXX I contacted Transunion XXXX XXXX and XXXX credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
The Fair Credit Reporting Act is the federal law that spells, among other things, out how long negative information can remain on your credit report. I have contacted Equifax on several occasions advising them that this company XXXX XXXX XXXX is a fraud company that's trying to collect debt on old stuff. I did tell them the company is stating I took a loan out online but there is no solid proof that, that's me. There are statute of limitation a debt collect can report something on your credit and for Florida they have four year. This so called debt they say I owe is over 6 years ago. And I never received a any statements in regards to this issue. Also the representative with Equifax does not understand English and that bother me no one is helpful.
XXXX is currently reporting me to XXXX  credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my XXXX report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/2018 contacted XXXX was told there was nothing they can do, directed me to call XXXX. 

Called XXXX put in a dispute saying the debt is a duplicate account. 

XX/XX/2018 Notified by XXXX that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call XXXX   back to dispute again. 

Called XXXX back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.
Hi, I request a credit increase from my XXXX XXXX XXXX & I consider there will be a soft Copy of my credit report, but they did a hard copy without mentioning on line on this regards, therefore I lost some point on my credit Fico Score by Trans union, which is not Fair, they should notice me that before my request on that regards, my other Credit card they do increase on line with no effect on my credit Score ( Soft Credit inquiry ) Please consider my request to remove this hard copy from my Credit report on XXXX/XXXX/15 Thank you for concern & Happy holidays XXXX XXXX
I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY
My current loan balance has ballooned over the years. It has ballooned to an estimate 200 % since its early balance. I believe the balance has been illegally reconstructed each time it has been transferred to a new loan servicer. I also believe the balance has been fraudulently consumed with unethical interest rates used by all loan servicers over the life of my school loans. My loan has been owned by a total of 4 loan servicing companies with 3 being mandated by the US Dept of Education. 

My current loan servicer is XXXX XXXX XXXX ( XXXX ) : account # XXXX. This loan was transferred and acquired on XX/XX/XXXX. This particular loan servicing organization did not transfer the history of payments from Navient ( account # XXXX ). I was making satisfactory Income Based payments with XXXX when the transfer took place therefore increasing the monthly income based payment amounts dramatically to an entirely different amount, which was larger. The new introduced amount lets me know the interest rate was changed and the recent payments were not applied from XXXX history. 

The same situation involving my XXXX also occurred during the transfer of my XXXX account from XXXX XXXX. This transfer took place on XX/XX/XXXX. 

Also, when applying for any income based school loan I have found that the Loan Servicer does not apply all evidence on the tax forms that adjust the AGI nor do they take into account ( or inquire ) the cost of living and daily life events ie medical bills, medical premiums, rent, electrical bills, water bills, number of family members, constant increase in rent every 18 months, inflation changes based on the state of resident, etc.
I submitted a multiple inquiry letter to the credit bureaus asking that the inquiries be removed in XX/XX/XXXX.
<P/>
The company XXXX XXXX XXXX XXXX, which I did not give authorization to share my information with multiple companies, which resulted in multiple inquiries on my credit report XX/XX/XXXX and XX/XX/XXXX with  XXXX, XXXX, and Equifax credit reporting agencies.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I took out what should have been a short term loan until I sold the property. However, this has turned into an issue where I have been unable to pay off the loan. The company keeps adding renewal fees to the loan each year and capitalizing the amount to the loan balance. The interest rate is very high. I have tried to pay this off to no avail. Please help!
I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But XXXX  employees are to rude
As stated in the FTC Affidavit that was sent to EQUIFAX and I will attach again to the CFPB Case i am submitting now. I am a victim of ID theft. I am requesting the Accounts be blocked that were placed from EQUIFAX on my credit reports. These accounts are fraudulent and are listed on the FTC Affidavit. You are required by law to follow the FCRA Requirements when someone is a victim of ID theft. I have a right to request actual documentation if you keep trying to be accusatory and saying these fraudulent accounts are mine. These are not my accounts. My identification documents were stolen and these accounts were opened. You have not performed a proper investigation either as you would know these accounts were opened without any signature card online with XXXX XXXX. XXXX XXXX has a policy to not open any accounts or allow accounts to be accessed without a signature card on file. I never received one and I never signed one. These accounts were opened at a fraudulent address. Yet Equifax continues to ignore my attachments and continues to report fraudulent accounts back onto my credit file. I do not authorize you to place fraud on my credit report, You are the only credit bureau whom continues to report fraudulent information. You are the only credit bureau that keeps trying to blame me for fraud committed. I have not opened these accounts. You have not verified any information, You have not submitted any information. Therefore the information you are reporting is inaccurate, Fraudulent and False. You are illegally reporting fraud on my credit bureau report. Once again I am attaching the FTC Affidavit. I am Exercising my right as a victim of Identity theft to have these accounts blocked. You must follow the laws put in place to protect consumers. You have law enforcement documentation you continue to ignore. As a credit reporting company you can not violate the FCRA laws and yet you continue to do so. Nothing has been done to resolve this. I did not apply for any accounts online, and without any further documentation providing proof you can not say you verified anything. What are you verifying? Where is your documentation providing proof of investigation and what the results were? Again you are violating laws put in place. Please review with the FTC if you do not know how to handle victims of identity theft. As a consumer reporting agency you must block the information i provide proof that is fraudulent.
i signed of lease as a occupant over the agree of XXXX old which under law does not make responsible for the debt, prior collection agency removed debt because of the fact I do n't have legal responsibility for debt.
i have no recollection of this debt and i reach out to the company for verification of this debt which they could not proved