WillisBack/dataset-financial-user-claim huggingface dataset:
Action Collection Services out of XXXX, Idaho has called me numerous over the past two years and have now started calling again. I have started to not answer the calls due to the amount of times the employee of the company calls me. Every time that he has called me he will not tell me the amount of the debt, who the debt originated with and what date it originated or give me a reference number or put me in contact with a supervisor. He calls every six months and will call not only my cell phone but will call my office as well every day numerous times a day. They have never sent me any paperwork about this so called debt, so I can't dispute it even if I wanted to. He will also tell me that I have a judgement against me for this so called debt and that it is on my credit report ( there is no judgement or debt being owed on my credit report ). This man is rude and angry when he calls and I repeatedly tell him that I do not know what it is that he is talking about it.
Experian is reporting a Charge-off on account from a company called XXXX XXXX Acct # XXXX which is not mine and it has not been validated by the credit company despite my many attempts. Experian just keeps on verifying the account as mine and sometimes ignoring my request. Both companies Experian and XXXX XXXX are violating my rights under The FCRA and The Fair Debt Collection Practices Act that states that the claim be disputed and validated. 

I have filed a complaint with the XXXX but Experian just keeps on verifying the account without giving me proof. XXXX XXXX records do not agree they say the account was opened XX/XX/XXXX my credit report says XX/XX/XXXX. The fact is I never opened an account with them and I told Experian about the discrepancies but they ignored it. XXXX XXXX when asked through the XXXX to provide a signed agreement just said that the account was too old for them to have such document. 

I sent a letter to my Attorney General and their office replied that I should contact you and filed a complaint and that if you do n't do anything to quickly hire a consumer lawyer and file a lawsuit on Small Claims and another one on Federal court for both companies violation of both FCRA and FDCPA. 

I am a concern consumer, who like millions of Americans only concern is that Experian accurately reports our data and that respect our rights under The FCRA. XXXX and XXXX both deleted the account when asked for investigation it is Experian who often sides with the creditor without any prove or providing us the consumer with any findings. Is Experian being paid by creditors to report erroneous information on our reports? Does n't Experian has a moral job to report accurate information. It surely does not feel that way, many states and consumers have file lawsuits against this bureau. Please advocate on our behalf so that justice is executed so that we do not pay for Experian 's loyalty to creditors who falsely provide information to damage our credit worthiness.
I AM UNABLE TO OBTAIN CREDIT FROM ANY SOURCE SINCE COMPANIES WHO REQUEST MY CREDIT HISTORY RECEIVE NO HITS ON EQUIFAX OR XXXX. THEY ARE TELLING ME THAT I DONT HAVE ANY CREDIT. I 'VE HAD MY SS # FOR OVER 2 YEARS AND HAVE AN OPEN CREDIT CARD IN GOOD STANDING ORDER WITH XXXX AND HAVE A SCORE OF XXXX IN XXXX. I NEED TO KNOW HOW I CAN FIX THIS SINCE I NEED TO ESTABLISH CREDIT HISTORY BUT I 'M UNABLE TO DO SO IN THESE CIRCUMSTANCES
When our daughter went away to college in XX/XX/XXXX, I co-signed for a XXXX with a low limit for expenses. This was done through our private banking at XXXX. Since that time ( XXXX years ago ), I never received a statement or any notification of any kind as she was the primary user. Nor was my name ever removed as it was shifted to a Bank of America card. A few weeks ago when my credit report was checked by my current bank -- XXXX XXXX XXXX XXXX of XXXX, notice of a delinquent account appeared first reported XX/XX/XXXX as a serious delinquency in the amount of over {$20000.00} from a credit card that was closed in XX/XX/XXXX by our daughter and her husband. I have yet to receive any notification from Bank of America or any statement or account information of any kind. My credit rating has always been " outstanding '' or " excellent '' and to date I have not received any satisfactory explanation from Bank of America after filing a complaint to their victims department. I find this an unethical and undoubtedly illegal business practice that has adversely affected my credit rating on all three major credit reports. All other items appearing on the reports are satisfactory and have been for over 30 years.
In XX/XX/XXXX I was one month past due on my mortgage payment. On XX/XX/XXXX I purchased a cashiers check from XXXX in the amount of two months payments made out to my mortgage company Chase JP Morgan. 
About three weeks later, a bank employee from XXXX XXXX notified me that a cashiers check drawn on JP Morgan Chase bank in the exact same amount of the cashiers check sent in for my payments was sent to XXXX. The cashiers check was made out to XXXX XXXX, not me. 
I immediately contacted Chase bank to inquire why they did n't apply my payments properly. I was told that they had no knowledge of this transaction, but that I was now 90 days in arrears and being placed in foreclosure. If I wanted to avoid foreclosure, I must immediately send in over XXXX in back payments, late charges and attorney fees. 
I waited until XX/XX/XXXX, called again and was told my only option was to modify my existing loan and the payments would be added to the new loan.
The manager gave us a letter saying that he would not do a walk through of the apartment required by law because of complaints filed with HUD. 
Then he sent us an illegal bill charging us for new paint, carpets, tile without including the receipts ( also against the law ) Now he hired these illegal lawyers to try to collect. I have filed a small claim case against them but had it delayed because of health problems. 
I demand that XXXX return our security deposit or I will ask the judge to double the amount!
In addition to refusing to make negotiations via the mail, after repeated attempts to get answers without having to talk to someone on the phone ( which I contacted CFPB about a few months ago ), Navient has received over {$20000.00} in payments from me over the last 5+ years. I was horrified to find out that as of today, almost ALL of that money has gone into interest only payments. Of the XXXX loans that were taken out, only XXXX of them has decreased by around {$1800.00}. The rest of them have gone up - way up. In short, {$64000.00} has turned into almost {$75000.00} - and counting. This is a nightmare. I am making the only payments I can " afford. '' In all reality, I ca n't even afford the monthly payment for the plan they put me on. But after trying to negotiate with them on the phone this XXXX ( while on the brink of default ) and being asked all of my income and expenses, they came up with a random monthly payment after talking me through their 1 % interest plan. That number does not line up with my income vs. expenses - which are extremely high, and always have been. But according to their reps, this is the best offer they are willing to make. Even after explaining to them that I am an XXXX - living paycheck to paycheck, that I do not have health insurance because I can not afford it, and that I need to start putting money away for retirement ( but can not afford it ), there is still no other solution on their end. It is so incredibly disheartening that all of the money I have worked so hard to support myself with, and have used to " chip away '' at my student loans, feels like it is being thrown to the wind. It seems that no matter what I am able to afford, no payment is large enough that will make a dent in my principal balance. It feels like there is no end in sight, and I am increasingly frustrated with the way that Navient does business. It is truly criminal what they are getting away with - and I do n't know where else to turn. Having a college education should not warrant punishment, but that 's exactly what this feels like.
Dear Elan Financial, I just discovered even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
Acopia refuses to correct its record to reflect my correct payment dates. My XXXX and XXXX payments were cleared/received by Acopia on XXXX XXXX and XXXX XXXX, respectively ( which Acopia acknowledged ) ; however, Acopia recorded my XXXX and XXXX payments as XXXX XXXX and XXXX XXXX, respectively, and refused to correct its errors. The reason Acopia gave me is that its prior servicer forwarded my XXXX payment to them on XXXX XXXX and it applied my XXXX payment to XXXX 's balance due. The fact that Acopia changed it 's servicer is not an excuse to record my payments inaccurately. I paid my mortgage payments timely, and now Acopia recorded it as late. Although no late charge was assessed, I can not accept the incorrect recording of my payments, which would probably affect my credit history. I have brought this matter to Acopia 's attention since end of XXXX when I did n't see my XXXX payment on the XXXX statement. Numerous follow-up were made since then. Acopia acknowledged that my payments were received on XXXX XXXX and XXXX XXXX but refused to correct it 's accounting errors : their records are now showing my XXXX and XXXX payments were received on XXXX and XXXX, instead of the correct dates of XXXX and XXXX. Attached are two sets of recent communication with Acopia.
I had opened a Wells Fargo checking account with a promotion code for {$200.00} cash bonus once the 2 months of consecutive direct deposit conditions are met. I had got the direct deposits for 3 consecutive months. But till now Wells Fargo has no clarity whether I am getting the {$200.00} cash and if yes then when?
Since I was not using enough the credit card, they have closed the account. 
No notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility
I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX was the easiest and most helpful. XXXX  has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is XXXX. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from XXXX. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
I was out of country for the entire month of XX/XX/XXXX. My Discover XXXX credit was used without my permission for an amount about {$1000.00}. The investigation with this company, however, is a very unpleasant experience. Three different investigations was opened as I requested and every time its outcome is so blurry about how they perform their works. 
First of all, the investigation came out as my responsible for the fraud as of they could not reach me through the contact information on my profile. However, I did not get any email as they are appeared correctly on the account, and they said they called the number ( on the profile ) which is not mine, they talked to somebody over the phone through that number who seems to know me!!! And decided end the investigation after talked to somebody who is not me. 
Second investigation ( after I called to follow up and provide them again the correct phone number ) they asked for additional proof that prove I was out of country in XXXX. I faxed over my passport and waited till they mailed me a letter with same decision. This time, I called and figured out, it because of my fax image was negligible to read. Well, ok, why did they not contact me or inform me so I can definitely fax the higher quality images? I called and WAS TOLD to fax it again so they can review. 2 more weeks passed by, nothing happened, called again and found out they did not put in another review as I did not say please open another review when I faxed the second copy. They also asked me did I file a police report when it happened. I did not when I found out back in XXXX after came back from XXXX. 
Third investigation, same outcome. I responsible for my fraud as they determined. This time is another story. They figured out the new chip card was mailed to me in XX/XX/XXXX and was activated in XX/XX/XXXX, one and a half year later. However, I have never received it and not aware of new card. I've been using the previous card and they verified it by have me read out the code on the card that I have on hand. The fraud was made by the new card ( which I never seen ) and activated online through my account. Came up with the clue that somebody who is very close to me got the card and got a chance to get my account log in info ( after 18 months waiting ) to made the fraud. And because I did not file police report which is another option for them to review when they mention about it after our talk in XXXX so I, again, responsible for this fraud. 
I did not report in XXXX because I did not know it is still significant to them for a 4 months late report. 
However, I reported to police today and open another investigation with them. 
I have a XXXX XXXX with an XXXX XXXX XXXX XXXX XXXX and not able to work full time and it just happened to me this year too. I have been a value customer to them for years and this is the first fraud ever happened to me. Thus the way everything get resolve is very disappointed.
Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
On XX/XX/2018 COAF did a hard inquiry on my credit report. I have never tried to apply for a loan nor have I ever had any interactions with COAF. This hard inquiry was made without my permission. 

Institution Information Coaf XXXX, TX XXXX ( XXXX ) XXXX
Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.
I telephoned XXXX in early XX/XX/XXXX and was told acct was paid in full. I had moved and never ever received a bill that acct was still owing. Never received notice from CBE Group that there was an outstanding balance. Upon learning of collection thru XXXX XXXX I immediately paid amount due to XXXX. XXXX lied about having sent me notices or USPS failed to forward mail!
In XXXX of XXXX I lost my job, the account became delinquent in XXXX of XXXX. In XXXX of XXXX I contacted Flagstar in an attempt to bring the account current. Flagstar instructed me to contact Loss Mitigation, which I did in XXXX of XXXX. At this time I submitted the requested information to XXXX XXXX XXXX as instructed by Loss Mitigation. Flagstar contacted me and informed me that they were no longer working with Loss Mitigation. I believe that this is the point in which the account became entangled with multiple departments. Loss Mitigation instructed me to continue making payments, which I did. In XXXX of XXXX my payment was rejected and foreclosure proceedings were initiated. I continued to contact Flagstar to try and remedy the account. I was now dealing with Flagstar and XXXX, XXXX, XXXX, XXXX and XXXX, LLP as the foreclosure representative. I retained an attorney and neither my attorney nor I were able to get payoff information from Flagstar or XXXX, XXXX, XXXX, XXXX and XXXX, LLP after repeated requests. I finally got a payoff amount and paid the loan and legal fees in full. 

I believe that at the point that Flagstar ceased working with XXXX XXXX XXXX my account became entangled in Flagstar system and therefore foreclosure proceedings began. Was I able to complete the home retention program then the foreclosure would not have been initiated and it would not be on my credit report. My attorney requested a refund for over payments totaling {$20.00}, XXXX and got no response. I repeatedly requested a refund for the over payments and received a partial refund of {$5400.00} on XXXX XXXX, XXXX. I repeatedly requested an accounting of the account and all I ever received was a letter that stated they applied payments to my account. They refunded the {$5400.00} as a " good faith '' effort. 

I am requesting that due to the circumstances described above and that I was working in good faith with Flagstar as instructed that the negative foreclosure information currently on my credit report for Experian, Equifax and TransUnion be removed. I am also requesting that I am refunded the additional {$14000.00} ( {$20000.00} - {$5400.00} ). I would also like to be awarded damages from the settlement announced in XXXX XXXX.
Hi, in XX/XX/XXXX I refinanced my Navient loan with XXXX. According to records/correspondence from XXXX and Navient as of XX/XX/XXXX the loan was refinanced and XXXX had possession. This is also reflected in report by Navient to credit reporting agencies. Per records of XXXX they began charging interest as of that day. Subsequently in XX/XX/XXXX I received a billing statement for XXXX advising of a payment during that time period/adjustment to my loan of approximately $ 67k. The billing statement provides details of these payments indicating they were made on XX/XX/XXXX and XXXX both after my loan was supposedly discharged by Navient. According to my account history there were no payments on either XX/XX/XXXX or XXXX but there are numerous payments/payment reversals on XX/XX/XXXX throughout. Further, there is a payment for approximately 182k on XX/XX/XXXX on the account. My loan total was approximately 115k and the XXXX is the difference. Navient is unable to provide the location of this additional XXXX payment per the records. After following with Navient up to the supervisor of their " consumer advocate department '' I was told they have no records of the payment and XXXX has no record of overpayment and so there is nothing they can do. However, and obviously contrary to their role as a lender and pursuant to the applicable law omission or failure to keep accurate records is not a response to a consumer missing XXXX. In fact the supervisor told me that there could not be a " reversal '' without a payment and then denied the payment but is unable to provide any proof. And in fact their own records document it over and over. Further, Navient 's own XXXX statement shows the loan was not only paid but had a negative balance of {$22.00} for which I received a check. I refuse to accept this and am asking for your help as they try to continue to cheat their customers due to their own incompetence. Their consumer advocacy department is nothing more then a bunch of navient advocates and serves no purpose or assistance.
On Saturday XX/XX/2018, I received post card stating Transunion, XXXX and XXXX were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX XXXX XXXX
RECEIVED NUMEROUS CALLS TO MY EMPLOYER 'S HUMAN RESOURCES OFFICE WITHOUT PROPER IDENTIFICATION, JUST LEAVING IMPROPER MESSAGES TO INCLUDE TO SEIZED MY PAYCHECKS AND JUST BEING RUDE. CALLS WERE RECEIVED ON XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX AND XX/XX/XXXX. 
THESE PEOPLE ARE VERY ANNOYING AND WONT TAKE NO FOR AN ANSWER AND JUST WANT MY PERSONAL INFORMATION SUCH AS MY SS #.
Dear Sir, There are several XXXX XXXX Credits information is being updated in my credit, which have been closed months ago. When XXXX XXXX have been closed with Zero Balance, why did XXXX XXXX kept on reporting every month about closed account with zero balance. It has been communicated to XXXX XXXX that, there should not be any more activities in my account as credit card is closed and also there is no XXXX XXXX Credit card open on my name, social, address and any of my identification details. In Trans Union Credit report, I have observed that XXXX XXXX Kept on updating XXXX XXXX report about closed accounts, which does not any account activity and also no statements generated. Could you kindly direct XXXX XXXX to check my closed XXXX XXXX XXXX and why they have been reporting every months, which have been closed and no account activity at all. XXXX the point in closing individual XXXX XXXX  XXXX cards when XXXX XXXX  abusing and manipulating closed credit cards and kept on reporting every month.As per the Federal Law and Closed Credit Card terms and conditions, there should not be any activity on closed card once its paid and closed with XXXX balance. XXXX XXXX  Holds the complete legal accountability and responsibility at Concerned Honorable Courts and Trans Union Credit Bureau for abusing closed credit cards with zero balance.