WillisBack/dataset-financial-user-claim huggingface dataset:
This company First National Collection Bureau , Inc. ( FNCB ), Harass me from different phones numbers about a Debt resulted from identity theft back in 2011 with inaccurate and misleading information and refuse to send or validate the documents, but demand that I send them a payment for this fraudulent debt ( does not relate to any transaction ( s ) that I have made
Experian is an absolute nightmare to deal with. I had a student loan from XXXX, and it was reported as paid with {$0.00} balance : never late. This was more than twenty-two years ago. Although the root cause of my problem is XXXX, who seems to have stolen my information and is listing loans that I never took out, while also claiming that my XXXX loans from twenty-two plus years ago are still not paid, if the credit reporting agencies would n't allow this, there would n't be a problem. I have tried to get a Security Freeze, and I have had to call more than seven times wasting over five hours to only be transferred and transferred. I have uploaded the proof of information, mailed the information, and still, they will not remove the information or place a security freeze. I am in the state of California where my rights are very clear on this matter, but I can not get Experian to comply. The name for me on my credit report is wrong. I have sent information showing what my true, legal name is, and this, too, I can not get fixed. I do not have any credit, refuse to have credit in this horrible country that does nothing to actually protect the consumer, and I have a right to have my credit report completely blank instead of filled with fraudulent, blatant lies.
The credit reporting agency continues to show inaccurate or erroneous information on my credit report, which has impeded my ability to secure the most favorable credit terms on credit cards, etc. 

The following are a list of inaccuracies/erroneous statuses still showing on my credit report:1. ) XXXX XXXX XXXX, XXXX shows a late payment status. As per my last complaint, and the documentation to go with that complaint, it is XXXX that has mis-managed the escrow, and as a result, caused the account to fall behind. I have always paid according to the agreement ( s ) I 've had with XXXX. 

2. ) XXXX. This account was never opened under my social security, yet the credit reporting agency continues to allow this inaccuracy to remain on my account in violation of the Fair Credit Reporting Act, et. al. 

3. ) The education loans have all been cancelled/forgiven, and thus, should be removed from my credit report. 

4. ) Any inquiries, XXXX or more years old, should no longer be showing on the accountFinally, there should be no new accounts, except a car loan via XXXX XXXX, showing on my record.
I have a collection on my credit report from Williams & Fudge. I paid the school directly and I called the collection agency to get this out of my credit report and I have n't seen this remove. I have called them and left a message and sent them emails about this as well.
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.
On XX/XX/2018 XXXX XXXX XXXX, located at XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX, NY XXXX, sent me a letter claiming i owed them {$49.00} for debt owed to XXXX XXXX XXXX. I never went to this medical lab, and have no idea what this debt is. 

I reached out to them to provide validation or proof of the debt on XX/XX/2018, and i have not heard from them since. 

I am afraid they are sending these false letters to other people in XXXX, hoping to trick people into sending them money they do not owe.
I had previously filed a complaint concerning the reporting of my Chapter XXXX on Equifax credit bureau past the timeframe allowed to report. One of my tradelines is now changed to report charged off. The account with XXXX XXXX XXXX XXXX is constantly changing their reporting to state the bankruptcy or charge off. Once the Ch XXXX is discharged, the acct is supposed to be removed 2 years from the date. Equifax continues to report what they are sending in even though the timeframe to report has passed. They are going through the motions and not paying attention to what they are adding. I received an updated credit report with the Ch XXXX removed but now charge off/loss is being reported.
I paid this debt on XX/XX/2018 over the phone with a call rep. I would like for this debt to be DELETED from all credit bureaus its stopping me from getting a home and having good credit. Please DELETED this account. XXXX
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report Experian, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.
TransUnion wont let me cancel my account and is charging me for a {$1.00} service as of XX/XX/2018 2018
CRA violation no knowledge of the fraudulent accounts on my Transunion credit report. FTC ID Theft report # XXXX
On XX/XX/XXXX I made a payment on my car note of XXXX. I received an email onXX/XX/XXXX stating that my payment had been made and giving me a confirmation number for the payment.
I also received a mailed statement from my lender stating that I had made the payment, dated XX/XX/XXXXFive days later, onXX/XX/XXXX my lender, Ally Financial, stated that they had not been paid, as they had neglected to take the funds given to them on the day that they were given, despite the fact that they had issued two ( 2 ) written notices stating that they had been paid.
They have now begun credit collection activities against me, including calling my work phone number ad nauseam, Monday through Friday, sometimes seven to eight times a day.
When the money was available for the payment, the payment was made. Ally sat on my transaction for nearly an entire week, and did not take their payment, although they stated and confirmed with a confirmation number that they had.
Now, I am in arrears and owe penalties which seem to have been the aim of the company, to obtain more funds than the payment amount, or by the negligence, or laziness of their employees, I now owe said penalties, and am in danger of losing my vehicle.
In late XX/XX/XXXX I received a letter from Experian notifying me that a creditor had reported a change to my name, address, or SS #. My wife got a similar letter earlier in 2018, and it was connected with identity theft, so I was concerned. The letter stated that I could order a copy of my credit report from Experian if I wished to view the changes. 

Instead, on XX/XX/2018 I tried requesting a free annual Experian credit report through XXXX. I was told my request could not be processed online and that I should mail my request. I downloaded the appropriate Annual Credit Report Request Form from that website, filled it in completely, and mailed it that day to the address specified. 

On XX/XX/2018 I received a letter from Experian telling me they did not have enough information to process my request. The Experian letter says I need to supply a photo id and a copy of a utility, bank, or insurance bill showing my address, in addition to all the information I already supplied. 

The Experian letter says nothing at all about where to send the required information, although it does display a small post office box address at the top left of the form letter. I have no idea whether I should send the required information to the address indicated on the Experian form letter, or to the address specified at XXXX. 

On XX/XX/2018 I went to the Experian website to find someone who could clarify where to send my request. The " Contact Us ''  section of the Experian website merely refers me back to XXXX, where I started, and provides no human contact information that I can see. 

The Experian website does contain an offer to sign up for " free '' monthly credit reports from Experian. The process apparently involves four steps, which I have not pursued. Experian 's website provides significantly more and better information about how to sign up for this proprietary credit reporting service than it does about how to complete a free annual report request. 

I still have no information about what creditor reported the change and what change they reported, because I have been unable to access my free credit report. I have reached an apparent dead end.
On XX/XX/XXXX I received notification that XXXX XXXX was transferring my loan to Specialized Loan Servicing on  XX/XX/XXXX. I requested a payoff from my second mortgage XXXX XXXX whom required a wire transfer to pay off my second loan. On XX/XX/XXXX through XXXX XXXX I wire transferred {$450.00} to XXXX XXXX 's account number. The XXXX XXXX clerk listed XXXX XXXX XXXX XXXX as the beneficiary. The tracking number was XXXX. The wire transferred was delivered. XXXX XXXX inadvertently accepted the wire transfer from XXXX XXXX and applied the payment to my mortgage. It is unknown how the payment was applied as neither XXXX XXXX or SLS have provided a payment history. On XX/XX/XXXX my loan was transferred to SLS. The {$450.00}, according to XXXX XXXX was transferred to SLS. SLS has claimed that they had the funds but were not applied to my XX/XX/XXXX payment. According to SLS an investigation regarding the wire transfer was opened. On XX/XX/XXXX, in a phone conversation, I paid the remaining {$780.00} to make my loan current for the month of XXXX. On XX/XX/XXXX I sent a certified letter to SLS regarding the wire transfer and discrepancy in how it was applied to my loan. The letter was to arrive on XX/XX/XXXX. The same day I mailed a check for my XX/XX/XXXX payment in full to a separate XXXX XXXX for SLS ( certified receipt XXXX, confirmed delivery ). The payment was received and SLS rather than depositing my check withdrew the money from my account as an ACH payment. The money was withdrawn on XX/XX/XXXX from my XXXX XXXX   XXXX account ( check number XXXX ) I did not and have not authorized any ACH payments with SLS. I received an email confirmation that the payment was received. On XX/XX/XXXX I contacted SLS again to resolve the status of my loan and address my letter. SLS then told me that my {$450.00} was applied to my XXXX payment ( as an autopost ), but now my {$780.00} payment had been applied to my principal as it was a partial payment ( as a curtailment ). I informed XXXX that the representative never informed me that my payment would be applied to my principal but that we had an in-depth conversation regarding that this payment would make my monthly payment current. I was never requested on informed XXXX XXXX or SLS that I wanted to make an additional payment toward my loan at any point in time. According to my financial records, my XXXX payment should be current and my XXXX payment was paid by check. According to SLS 's online history of my account the XXXX payment in the amount of {$1200.00} has NOT been credited or received by SLS. All payments have been made to both XXXX XXXX and SLS and my account is current. It is my belief that SLS is attempting to foreclose on my home and committing fraudulent acts with criminal intent.
I have two collection notices from two different collection agency trying to collect the wrong amounts for XXXX XXXX. I attempted to cancelled the services with XXXX XXXX cause I switched carriers on XX/XX/2017. I went to XXXX. XXXX XXXX claim they couldn't cancel my account because XXXX was attempting to port my number and they can only suspend the account so I wouldn't get any additional charges. Well that didn't happen they continued to charge me when I was with XXXX and decided to use XXXX number instead of porting my number from XXXX XXXX. Now I have two different collection agency trying to collect for XXXX XXXX while this is in dispute.
I hired a solar contractor to install and setup my solar system back in XX/XX/XXXX They arranged the financing through GreenSky. GreenSky approved me without question for a twenty year loan at XXXX which is a good rate and the processing was seemed normal. 

The unusual thing about the loan is the contractor could withdraw the funds when the job was complete, or so I was told. I never signed anything allowing them to do that in advance. The contractor reassured me in an email that they would not charge me anything until the job was done. They did n't want a deposit either. The bank gave me one document that states that I am NOT responsible for any money charged that I did not authorize which I did not, neither orally or written. 

My solar system is not working or should I say the installation is not complete still today. The electric company and city where I live are coming onXX/XX/XXXX to finalize the installation and approve it providing that the contractor completes all of the required documentation. 

But on XX/XX/XXXX, the contractor withdrew the entire amount of the job from my bank account with GreenSky!!! I was blown away. I emailed the bank several times ( they have a special group to solve issues ) without success. The bank was supposed to have the money put back in my account onXX/XX/XXXX and the contractor agreed to do that in an email, but it 's still not there ( shows that I owe it but no payments due as of today ). I can give you all of the documentation you need. 

The bank told me in the last email that the contractor will make the payments. I told the bank that I did n't authorize the transfer of funds, and therefore I 'm not liable per their documentation. 

I 've asked for the financial documentation but no one has sent me anything other than the original documents that I signed having to do with the contractor. The bank has sent me nothing. I also told the bank that if the contractor gave them a signed document authorizing the transfer, then they forged my signature. 

I 'm submitting a complaint to the BBB ( both against the bank and the contractor ) and the Contractors State License Board of California later today. 

Thank you for your help.
PayPal has my payments received on hold due to the amount sold on ebay recently, was told I had to wait for my money even though PayPal received fee. I called customer service twice on XXXX/XXXX/16 and the first time I called, I was told to call back later because the payment processing department was n't open at that moment in time. When I called later, I was told that because the items that I had XXXX were high end ( XXXX sneakers ) I had to wait three days before receiving my funds. My first issue is that I have been a member of PayPal since I was XXXX XXXX XXXX ( I 'm XXXX ) and have n't had money held since I started. Second, the buyer received the item and I still do not have my money. Third and most important, PayPal has received the fee they charge for completing the transaction in advance of distributing the funds to me. Why do I have to wait for my funds yet PayPal can take their money without waiting? This is an absurd practice. When I stated all of this to the customer service representative, they told me there was nothing they could do. I then asked to have my fees refunded as I think it is inappropriate to receive payment without rendering a service, but it was immediately declined. The ticket # for that complaint is XXXX. Account ID : XXXXXXXXXXXX
First when was this bill issued for me and why I haven't been to hosptial for many years and I have been on public aid medical card for year 's now no reason why I should have any bills from any hospital since 2007 till now .. I have tried to contact thos company but I get no one, only a machine on the other hand .. I believe I'm not liable for this bill thank you for looking into this matter.
Portfolio Recovery have a credit card debt that I had started to pay back in good faith ; arrangements had been made for an automatic withdrawal starting XXXX 2015. I was forced to discontinue payments from XXXX 2015 after losing my job, which they cancelled the payments, but since then they continually call at a bare minimum of 8 day intervals, and normally call every two days, even knowing I no longer have the ability to pay. Every time I tell them nothing has changed since the last time they have called, the response is always : " Well, our computer automatically dials it. '' I want an immediate end to this harassment, I want them to be forced to discharge this debt if they continue harassing me! Different numbers come up on my caller ID, but the XXXX prefix is most prevalent.
I was and still unemployed on XXXX/XXXX/2016 with unemployment income. Took out a loan with the Cash Store in XXXX, WI on XXXX/XXXX/2016 in the amount of {$290.00} with an interest rate of 519.98 % {$540.00} in finance charges.They have been blowing my phone up at least 2 or 3 times a week 3 times in a row. I have not attempted to pay back due to the ridiculous high finance interest rate and I ran out of unemployment income before the loan contract ends what can I do.
I am receiving 4-5 phone calls a day which includes phone messages 2-3 times a day.
XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The CU stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.
I have errors and inaccurate information on my Experian Consumer Credit Report. I have disputed these accounts as being inaccurate, and Experian had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
There is a fraud charge on my citi XXXX Visa card in the amount of {$3200.00} from simplex. I called Citi several times and they are still no help. There was two fraud charges from simplex on my account but the one they refunded me on, the other fraud charge they are refusing too even though both are fraud and Ive told them that several times.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/XXXX CFPB # account XXXX Date XXXX/XXXX/XXXX Dear TransUnion Re : Account Name and Number According to the Fair Credit Reporting act ( FCRA ) it is your responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer. 

I request you to show me these companies below met the proper requirements of the FRCA on the dates listed by providing me the hard inquiry. PLEASE PROVIDE THE PROOF AS REQUIRED BY LAW. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX If you are not able to do so, please remove this inquiry immediately. I am providing my social security number ( XXXX ) to assist you in making this transaction a little easier and faster. 

Thank you for your time, XXXX XXXX XXXX
A fraudulent account was opened in my name. It was disputed and removed from   XXXX   as well as Equifax but when I disputed it with   XXXX   the results were that it remains on my file. This is not right, how can it be removed from  XXXX  of my reports for fraud and not  XXXX ? I contacted   XXXX   and was told they have no record of an account with my social security number. I 'd like this removed immediately. Thank you.
This is the second written request asking the companies ( XXXX, Equifax, & XXXX ) to  provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
I have had a XXXX come after me for years for a bill on an old property I once had. I never had XXXX and have sent off necessary disputes to have it removed from my credit file. XXXX will remove the account but months or years later they sell the same collection bil with my information on it to another collection agency and then I have to dispute it again. I have requested a letter from XXXX confirming the debt is not mine. They have agreed to send it to me but have failed to do so.
I have just received information from CFPB about a dispute I filed with the collection agency XXXX XXXX XXXX '. The response to my dispute is that the collection agency removed the erronious collections report BUT only from XXXX Credit Bureau, XXXX. The XXXX other Credit Bureau 's have not been contacted by this collection agency to remove these errors, XXXX and TransUnion - even after I acquainted this information on MY credit report to them XXXX times, which they agreed they reported in error. 
This has been an ongoing issue since XXXX/XXXX/2015 with many hours of work that I have done ( more than XXXX hours daily since XXXX/XXXX/2015 ) to correct this abusive and now malicious, incompetent reporting that has caused me a great deal of distress! ( XXXX credit Bureau informed me that my credit score dropped more than XXXX points because of this collection report! ). The collection agency XXXX XXXX XXXX ' have always agreed, each time that I have called and spoken with the secretary thru the manager, that it was a mistake and that they would correct it or have it removed from MY credit reports. This has NOT been done except the correction with XXXX and that was changed only because of myself filing my dispute. 
I have gone thru, in detail, the information with the FCRA and have found several discrepancies in the steps that are legally required for the collection agency XXXX XXXX XXXX ' should have adhered to with MY situation. They have illegally ignored or are very inept with any knowledge of the steps for credit reporting, removing the incorrect information, and many more innumerable legal required practices. I have discerned any and all steps I can legally attain because of their incompetent actions. I have the data that I acquired if needed. 
This is a very disconcerting situation with this collection agency XXXX XXXX XXXX ' and I am asking what steps, if possible, that you are capable of taking with their illegal practices of the FRCA?