WillisBack/dataset-financial-user-claim huggingface dataset:
I noted on my credit report that there was an account in collection, placed at IC System, in XXXX XXXX, MN, for a debt related to " XXXX XXXX XXXX ''. 

I called IC System, and they said it was for XXXX XXXX XXXX services at " XXXX XXXX '', in XXXX, TX. I live in XXXX, TX, and have never lived in XXXX, and have never used the XXXX XXXX XXXX service. The representative stated that I would need to go to XXXX, and fill out a police report, and file a fraud complaint. I believe this invalid credit reporting should be removed from my credit report, as this debt is clearly not mine.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX   XXXX XXXX  Penny Mac Mortgage XXXX XXXX XXXX XXXX XXXX  Ca XXXX XXXX XXXX XXXX XXXX  Penny Mac Mortgage wan to pay all of the 2 months behind will not want to take one payment at time so I can at least be behind 1 payment instead of 2 payments
Credit Karma Refuses To Update My Credit Report/Account Claiming They Are Waiting On XXXX  To Send Them The Updated Information. ( It's Been Three Weeks ) I Have Talked To XXXX   Several Times In That Time And They Have The Correct Personal Information And Have Confirmed They Have Already Given Credit Karma My " Updated '' Information, It's Only Credit Karma That Is Refusing Handle The Problem Properly To Correct My Account/Credit Report.
I obtained my Equifax credit report on line. There were Tax Liens from the County Recorder of Deeds, and U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The EQUIFAX Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this  investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
I have the unknown negative items on my credit report which are not mine My identity was stolen before and maybe someone opened and used my account Sybcb/XXXX Acct number # XXXX Syncb/XXXX  Acct # XXXX
on XXXX of XXXX we did a repair on a customers vehicle that totaled {$6600.00} on XXXX of XXXX I received a dispute letter from merchant services in XXXX  md. that stated I was being billed back for {$4900.00} because customer said the parts we put on failed so  early that we probably did n't put the parts on the customer paid for so I filled out the dispute letter with the invoices for the turbocharger from XXXX in XXXX mt. for {$3800.00} and the invoice from the charge air cooler from XXXX XXXX in XXXX mt. for {$1100.00} totaling the {$4900.00} about a week later we got refunded the {$4900.00} and  I thought it was done but on XXXX of XXXX I received another letter from merchant service that stated the {$4900.00} was pulled out of my acct again with another letter that stated this disputed transaction can not be remedied since you failed to respond to the request for additional information well I never got another letter from XXXX XXXX so I called customer service and they told me the case was closed because I did n't respond to the second letter I told them I did n't receive the second letter they basically said to bad we mailed it not our fault case is closed chock it up to the cost of doing business I was so mad I could n't believe she said that I asked to speak to a manager and was rudely told the same thing I asked them what proof they had that they even sent the letter they said we mailed it to youre business on regular mail not certified or emailed or faxed if it got lost in the mail that 's not our fault but apparently its my fault I feel this is wrong the parts put on the vehicle carry original equipment warranty and should have been handled as such if they had another failure I was not contacted by anyone on this repair except for once the customer called and said he was having a problem in Utah and I told him to take it to a XXXX certified dealership for repair I do n't feel I was treated fairly in this case as I never had an opportunity to respond to the second dispute plus if the mail lost it why do I have to absorb this cost XXXX XXXX  XXXX XXXX XXXX XXXX md. XXXX XXXX case # XXXX XXXX XXXX repair XXXX mt.
Contacted XXXX concerning account that has been charged off in the amount of {$8600.00} from {$10000.00}. The amount is incorrect on my credit report showing {$4000.00} which is incorrect. XXXX also posting monthly that {$50.00} is past due when no arrangements were made on this account. I realize the my son defaulted on the loan however, I was trying to understand why the charge off amount continues to increase every month. I asked for information on how they are posting on credit reports {$50.00} is due and is past due. I was put on hold repeatedly advising that they were checking on this issue but never returned to the phone and left me on hold for 25 minutes.
I was intentionally misled in regards to being signed up for the Public Service Loan Forgiveness program with Navient. 

When I first heard of the Forgiveness Program in XX/XX/XXXX, I was very excited about it and being already connected to Navient, I called them to inquire about the program. The person I spoke with told me about the 10 years, 120 payments, and program and led me to believe that I can sign up with them that day which I did. 

I also called Navient approximately one year ago because of a bank issue with my automatic withdrawl, and I was afraid I was kicked off the Loan Forgiveness Program. The person I spoke with told me that I was fine, not to worry, and I was still on the program. 

I just recently started my own Non-profit and a friend thought I could get extra loan forgiveness benefits, so I called Navient XX/XX/XXXX ; to ask about it, and the person on the other end was once being evasive and talking about loan consolidation program I would be eligible for ... and I point blank asked her, " I AM ON THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM '' with Navient? '' She sharply said, You need to call ( gave me the phone number ) for PSLF and hung up! 

I called customer service to talk to a Supervisor who was " apoplectic '' and wants me to sign up for the 20-25 year forgiveness program ; and I had to submit information about my claim to get credit for the time I thought I was on PSLF program.
Since around XX/XX/XXXX, I have probably received well over XXXX phone calls for people trying to collect an XXXX bill for a XXXX. I am not that person. 

I have filed well over XXXX complaints with the Federal Bureau of Investigation regarding the hanus crime of robo calling. you guessed it they used a f'in machine to call my house. I would argue the volume of calls violates the Fair Debt Collection Practices Act, and every single call violates the Telephone Protection Act of 1991. 

Recently I was mailed a complete list of every single payment or wage garnishment XXXX has made including his XXXX contract i am thinking that must violate some type of privacy law. 

XXXX has never lived with me, nor have I ever met the guy, but I think he gets more mail to my home than i do. 

I do indeed owe Federal Student Loans I get enough robo calls about my own XXXX loan. Never mind this guys.
On XX/XX/2018 XXXX allowed placement of a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. Within days of filing the initial dispute for the fraudulent account with XXXX, XXXX XXXX XXXX placed the same account on my credit report ( s ) a second time. XXXX resolved the first dispute in my favor and  immediately initiated a dispute for the second placement on my credit report, which is not yet resolved, which makes no since considering it is the same exact fraudulent account that they had just removed. Today, XX/XX/2018, I received an email from XXXX that the XXXX XXXX has now placed the same fraudulent account on my report a third time. XXXX, XXXX, Equifax and XXXX XXXX XXXX are in violation of the FDCPA by allowing a previously disputed and documented account as fraud on my credit reports, attempting to collect a debt that has proven to be fraud, is more than 10 years old and by repeatedly allowing the account to be placed on my credit report and by placing the fraudulent account on my credit report even after the Credit Report Bureaus have resolved the account as fraud.
In 2013 when i was XXXX and a XXXX I opened a bank account with Bank of America under my social security number ***********. My father gave me a check that did not clear. That balance was covered. Later I had another negative balance which my mom covered ( under {$250.00} XXXX. However Bank of America has reported me too XXXX credit bureaus ( XXXX XXXX with a specific notation of fraud. Because of this I have been unable to open another bank account and I am only XXXX. There was no fraud and Bank of America knows this.
XX/XX/XXXX : Purchased a car and got a loan through Ally Financial. 
First payment due : XX/XX/XXXX. First payment made : XX/XX/XXXX All payments due on XX/XX/XXXX of the month. All payments were made and credited well in advance of the XX/XX/XXXX of each month. 

XX/XX/XXXX : Contacted Ally Financial by mail. It was about my car loan 's finance charges fluctuating each month. I questioned why there was a range in finance charges from {$98.00} to {$230.00} in the first four months of my car loan with them. ( I have never been late. ) XX/XX/XXXX : Response from company was a print out of my payment history. 

XX/XX/XXXX : I contacted Ally Financial by mail again with the same question. 
No response as of yet. 

XX/XX/XXXX : I filed a consumer complaint form with the Ohio Attorney General 's Consumer Protection Section. Additionally, I mailed a copy of the complaint to Ally Financial. 
No response as of yet from either Ally or the Ohio Attorney General 's Consumer Protection Section. 

XX/XX/XXXX : I checked today on my payment history with Ally Financial and my finance charges for XX/XX/XXXX were an outrageous {$270.00} ( my cay payment is {$310.00} ). 

I have never been late. 
I have also tried to pay at different times to see if I could find a pattern none that I can determine. 
I find it unbelievable that Ally has never responded to my question about these finance charges fluctuating. 
I find it unbelievable that a company can charge me this amounts these fluctuations are well above any interest rate for my loan. I can not imagine that these finance charges are correct.
AFTER HURRICANE IRMA, I REQUESTED FOR FORBEARANCE AND MAKING REGULAR PAYMENTS AFTER THAT ; BUT LENDER IS ASKING FULL 3 MONTHS PAYMENT TOGETHER ( ALTHOUGH, I ASKED THEM TO PUT IT IN THE REAR ), SENDING THREATENING LETTERS, SENDING THEIR EMPLOYEE TO PUT NOTICE ON MY DOOR AND ASKING TO MEET THEM FACE TO FACE ; BUT, WHEN I CALLED THEM, THEY SAID THAT NO NEED TO MEET FACE TO FACE! ALSO, SENDING FORECLOSURE LETTER ; ALSO, THEY BLOCK ME TO MAKE AUTOMATED PAYMENT AFTER THE 3RD PAYMENT AND CHARGING FEES TO TALK TO THEIR REPRESENTATIVE TO BE ON THE PHONE
This medical bill was place into collection prior to me even having the chance to submit my medial insurance. Once I still tried to have my insurance added they denied me the opportunity. 

After the bill was placed into collections in XX/XX/2017I received phone calls at all hours of the day and night. I even heard a representative speaking negatively about me and my medical situation after she thought that she hung up the phone. I was very offended and took it very personally that I was being treated with so much disrespect. 

I have sent paid the entire bill off and would just like the collection completely removed from all 3 credit agencies.
On XX/XX/XXXX a fraudulent account was opened in my name at coinbase. I have contacted them several times and they wont close the unauthorized account.
It appears on my credit report through ( rental credit and the experian.com, XXXX and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XX/XX/2013. but they keep reporting this information
on XX/XX/2018 I purchased 4 XXXX gift cards from XXXX XXXX XXXX in XXXX XXXX, CA totaling {$2000.00}. Upon purchasing, I noticed that all the cards were opened. I was able to register my cards, two of them I was able to remove the balances, while the other two were hijacked and used at a XXXX over 100 miles away.

The cards are issued by US Bank, and I have called their fraud help line to file a report. I filed the report the same day. I am assuming that they are not going to investigate and they are telling me that it may take longer than 90 days to get my money back. I have been ripped off for about {$1000.00}.
I was told in XXXX 2017 that I could not open a bank account because ChexSystems had an account lock for some reason against me. I just turned XXXX and I have never had credit or any kind of loan or other bank account, so there must be some kind of fraud going on. 

I immediately contacted ChexSystems and asked for a full report about what the reason was for the account lock, and they sent me some information in the mail that did not have any specific information as to why they locked my ability to open a bank account. 

I called them back and they would not answer any specific questions over the phone, but said I could file for another paper copy of my report again. I already did this and they gave me no information. I 'm going around in circles and they are giving me ZERO information about how to find out what is on the ChexSystems report under my name and personal information.
Approximately in XXXX of 2016 I purchased a new Harley Davidson from a local dealership. Approximately in XXXX of 2016 I was involved in an accident which culminated in the loss of my job. I have missed a few payments, have informed Harley Financial Services ( AKA - XXXX ) about my situation and asked them to stop calling my cell phone every day with no less than 6-8 phone calls a day from various telemarketing phone numbers, recorded messages, and masked phone numbers with a ( XXXX ) area code of my home state. I have repeatedly asked the company to stop harassing me on a daily basis. The company has not ceased the excessive communications, and have now started calling me on Sundays, at all hours from XXXX XXXX to XXXX I have informed the company I am extremely willing to communicate with them and resolve the back balance owed, however I have stopped answering calls and if they do not stop will be contacting my attorney.
I was a few days late on a payment and the branch manager contacted my mother to discuss my account. I am XXXX years old and my mother does n't need to be involved in this. My mom was told they could n't reach me and " my account very delinquent ''. I work nights and sleep during the day when they call. My account was not very delinquent but only by a few days.
The following collection company Sentry Recovery and Collection placed a account on my credit report without ever contacting me in any form. 
I have written this company several times asking for documentation regarding this account and I have never received a response from them. 
They are violating my rights under the FCRA
As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or XXXX
OnXX/XX/XXXX2017 I called Chase to provide a PIN so that they could access my credit file, which I keep frozen for security. The weekend before I applied for a Marriott credit card ( which I recently closed out only to later change my mind on wanting the card ). I understood that I would have to apply again and I had no problem doing so. 

When I first called I provided the individual with the reference number ( XXXX ) which he used to being the process, however I had a call from my wife and had to terminate the call. I then called back about 5 minutes later and spoke to a different representative ( XXXX ). I informed her that I wanted to provide the PIN so that I could continue with the application process. She attempted to verify me by asking me to give the her credit limit of one of my other credit cards. I was n't sure of the limit since I do n't utilize that credit card often, though I informed her that I was in my vehicle trying to go to work. 

I was unable to give her that piece of information, though I know that I gave her my date of birth, address, the application reference number, my SSN, volunteered that I had recently closed out the same account about 6 weeks or so in the past, volunteered the other information about my account, read all of the physical information from the credit card that I was being asked to confirm the limit to ( number, expiration, member since date, CVV number ), cited the fact that my last name was spelled incorrectly on the XXXX XXXX 2017 letter from Chase, however this information was not enough for her. 
I asked to be transferred to a supervisor ( XXXX, unsure of spelling ). The supervisor asked me similar questions. However at one point, she asked me to provide the exact amount of a transfer that came into my Chase checking account ( with my wife ). Frustrated since, I would not know the exact amount of a payroll check that was deposited into my account and that was my wifes check. I asked why I would need to give this information when I was applying for individual credit. The supervisor indicated that this was standard verification. Naturally I wasnt able to give this number, nor would I if I did know since this appeared to be conditioning my application on information related to my wife. 
Eventually I was able to remember the credit limit for the card they were asking me about, and ONLY then was I allowed to give them my PIN to unfreeze my file to process the card ( which I was approved for in only a couple of minutes ). I was on the phone for over 30 minutes, for what shouldve been a 5 minute call, asked an unreasonable amount of verifying questions that hinged all on one credit card limit, late to starting work, and asked to provide information on my wifes income to process a single application for credit.
I contacted CFPB two years ago about how Bayview is extorting me every month. For 2 years they contact Bayveiw that, regardless of documentation and facts, says 'no we 're not ' and this useless agency CFPB sends me a copy of this jibberish response as if they added some value by copying and sending to me. CFPB has proven to be useless, ineffective and a monkey with a copy machine could serve me better for all CFPB does or cares. 

XXXX XXXX
I am currently a Bbva customer, I have been charged nsf fees in the amount of $ XXXX.They stated that I didnt have funds available. As a matter of fact, I had more than available funds in the account to cover the transactions. This bank is operating just like XXXX XXXX used to do, they hound you like crazy when you go into their branches and when its time for them to resolve an issue for a customer, theyre no where to be found.
in XXXX of XXXX I came into One Main financial to get a loan and was approved. The loan officers name was XXXX XXXX. I filed the appropriate paperwork and the loan XXXX asked me if I wanted the insurance that came with the loan and I told them NO. I did not need the insurance which included life insurance and medical insurance because I already had my own personal policies. The loan XXXX then showed me a different price that was lower than the initial monthly payments and told me that that was the pricing WITHOUT insurance. I said ok. Later down on the line I end up checking my account and see that the Loan XXXX still included insurance in my loan when I clearly asked her not to! And the company told me I had to come in person to take the insurance off and that the would not reimburse me for the months Ive been paying extra for insurance. Total ripoff. I do n't care how small the amount is, its the principle that matters.
I have contacted this company several times regarding automatic payments. I have been told that I am only able to make reoccurring payments via setting this option up online via an account login. I have attempted in XXXX, and also today XXXX to complete this process with no avail. I get the run around when contacting this party or setting up a post dated payment. The system is not user friendly and blocks you out if you are pass due. This is trickery at its finest ; Then I have to hear a lecture when I am late on top of being contacted at my job. If you call them from a phone number they in tune save it and will call you the next month a day after your payment is due. Just because I contact you from a number does not give you the right to in turn contact me on it. Telling me I am late every month but not allowing me access to complete my payment on line is wrong and is effecting my credit when I forget to make a payment. I should be able to complete auto draft by a paper form or complete the set up in the store. I should not have late payments on my credit when I am trying to pay every-month on time.