WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I obtained a copy of my credit report. from all three reporting agencies. 
I found multiple incorrect Accounts that did not belong to me and incorrect personal information. 
Including this Account : Portfolio Recovery Associates {$140.00} Opened XX/XX/XXXX On XX/XX/XXXX I Directly Disputed this account via certified mail. These disputes were sent to the Furnisher of the data and each CRA. 
On XX/XX/XXXX. XXXX addressed other issues but did not Validate the above account. 
XXXX failed to provide me with any of the information I requested. 

On XX/XX/XXXX I sent a Second Direct Dispute to the Furnisher. Informing them that the account had not been validated and again requesting information On XX/XX/XXXX I finally received a response from the furnisher including a computer generated form with no proof of ownership, account balance, or any information validating ownership of the account. 

On XX/XX/XXXX I reported the account as fraud to the Federal Trade Commission and mailed a fraud report to XXXX I also Faxed the complaint and spoke with XXXX on the phone. 

On XX/XX/XXXX XXXX acknowledged receipt of my complaint and without my authorization provided a personal fraud statement on my behalf, claiming it was mine, and opted me out of promotional offers, and provided my work cell phone number for all without my consent. they then sent letters to the other Credit Reporting Agancies instructing them to do likwise. 

On XX/XX/XXXX XXXX validated the account as accurate, again without providing me ANY Validated, or Verifiable information. 

On XX/XX/XXXX I sent one Final letter demanding compliance with the FCRA it has been nearly 6 Months and Neither XXXX  of Portfolio Recovary has made any attempt to provide validating information, and after receiving evidence that the account is fraud they continue to report it as mine. This has caused me financial damage and my next step will be a suit for violation of the FCRA.
have attached a letter of deletion from XXXX XXXX XXXX which I have previously sent to Equifax and yet the collection entry still exist on my credit report with them. Please remove the collection entry
In XX/XX/XXXX XXXX discontinued its credit card affiliation with XXXX and moved it to Barclay. First we pay all credit cards in full each month. When the conversion took place there was no balance due XXXX, however we did have a disputed item for a medical bill with XXXX for {$1000.00} which we have since been reimbursed for by our health insurance provider and Barclay has been paid too. 
As of XX/XX/XXXX this matter is still not resolved and Barclay says we owe them {$3100.00} which includes interest charges. For one year I have asked for details and NONE received, I have written directly to The Office of the President and they have not resolved the problem. I have tried almost 20 times to get this matter resolved!!!!!!!! 
In the mean our credit rating has dropped several points. 
How can you help?
In XX/XX/XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. A 2nd certified letter dated XX/XX/XXXX was sent attempting a last goodwill gesture to contact the credit reporting bureau about the erroneous reporting on their behalf. I also sent a certified letter dated XX/XX/XXXX to XXXX requesting the same information and nothing has been done by either XXXX XXXX or XXXX.
In XX/XX/XXXX Portfolio recovery Associates contacted me in regards to a XXXX XXXX account and a XXXX XXXX account. They informed me that I owed them money for these XXXX accounts and initially, without verifying, started making payments. Upon extensive review of my credit report, the XXXX XXXX account was in good standing and closed as of XXXX and they refused to validate both debts. I sent them debt validation letters XX/XX/XXXX and told them to no longer contact me until I receive written documentation from them.
Green Tree was my XXXX loan and they took over my loan from XXXX XXXX. I found myself in a serious financial situation where I could n't afford to pay my loan any longer. I tried to short sell my condo twice. the last attempt failed because Green Tree demanded I bring additional money to closing to pay them and sign a paper that basically said I would still pay them the total loan amount. The XXXX loan bank got angry and said Green Tree 's terms were not legal so the short sell fell through twice. 
While all this was going on, Green Tree illegally obtained phone numbers for All my previous employers and for a handful of my family members. Green Tree called them every day, all day long from XXXX to very XXXX. They told people they were looking for me because I owed them money. They told them to tell me I had better pay them. Green Tree also asked everyone if they thought it was right that I was n't paying them. 
The phone calls greatly affected my life. I would receive phone calls from family members and previous employers telling me I had better get my stuff figured out so Green Tree will stop calling them. I almost lost my job because the phone calls at my work would n't stop. I made several calls to Green Tree asking them to stop but they never did. I had to file chapter XXXX and get a lawyer. Even with the right paperwork filed, Green Tree did n't stop. 

It is now several years later and Green Tree has been pulling my credit about every 4 months. I sent them a letter asking them to stop and they sent a letter back saying they had a right to pull my credit if they wanted to. 
Green Tree has put me through XXXX and made a huge spectacle of my financial situation. Just because I owe someone money does not give them the right to be abusive, curse at me, inform anyone that ever knew me, they feel I 'm a dead beat who owes them money and threaten me.
In XX/XX/XXXX I purchased a XXXX XXXX and Santander was the one who financed my loan. My balance on XX/XX/XXXX was {$22000.00}. Since then I have made approximately 30 payments of {$510.00} ; Some months even more. Every time I looked at my balance it seemed like it's never decreasing but staying the same or sometimes even getting higher. As of today XX/XX/XXXX Santander is still saying I owe {$17000.00} as the principal balance and {$18000.00} for the payoff amount for a XXXX XXXX that was purchased in XX/XX/XXXX. In XX/XX/XXXX I got  into a horrible accident and received a check for my diminished value. Since Santander is on the loan I called to ask if they could sign the check and send it back to me. I was told to send it in expedited and they would return and send it back. Instead, the cashed my check for {$4100.00} and put it all towards their interest. I had to call the 3rd party to put a stop payment on the check. I've reached out to Santander multiple times to see why my payments are not being applied correctly and also to question how my payments have been applied. I've received no resolution and have been treated poorly as a consumer. Some payments I make go straight to the interest and none to my principal. How is this ethical? I would like a resolution as soon as possible.
My wife and I never signed or agreed to authorize XXXX XXXX XXXX XXXX, Wells Fargo or anyone else to deduct any money from our checking account for supplemental health insurance being sold as XXXX XXXX XXXX Plan Coverage through Wells Fargo bank. 

I contacted a XXXX XXXX XXXX representative by phone. The representative told me that the XXXX XXXX XXXX Plan Coverage listed my birthday as XX/XX/XXXX. This is in correct. My birthday is XX/XX/XXXX. 

In addition, since XXXX when the policy was issued, it was never used. In other words, no health-care claims were filed against the policy. 

This is what I was told by XXXX XXXX XXXX XXXX. 

Ive had many medical bills since XXXX. But there have never been any claims filed against this health-care supplement coverage by my wife or myself. 

We also had two insurance policies during this time. One from  my wife 's work at the XXXX XXXX XXXX XXXX and the other, up until XXXX, from my job as a newspaper reporter. 

We both have my wife 's health insurance policy and I am enrolled in XXXX. 

I have unsuccessfully tried to get proof from Wells Fargo that my wife or I authorized XXXX XXXX XXXX XXXX or Wells Fargo to deduct {$24.00} every month for this plan coverage since XXXX. 

XXXX XXXX XXXX told me to check with Wells Fargo to get that authorization. Wells Fargo said to check with XXXX XXXX XXXX. 

I thought this expense on my Wells Fargo account was for my wife 's federal union dues. 

I am sure other Wells Fargo customers were also illegally enrolled in the Wells Fargo and XXXX XXXX XXXX XXXX  without their consent.
I have recently submitted a complaint regarding alleged fraud thought to be perpetrated on my sister and mother through XXXX XXXX, now XXXX. As of two days ago, XXXX has placed a hard inquiry onto my own credit report. They were not given permission, I did not ask them to, it 's harmed my credit by XXXX points, and I did n't submit for a loan, mortgage and was in no way even in contact with XXXX. 
I believe XXXX may be wondering who I am and have sought information about me through a hard credit inquiry. See below.. 

Hard Credit Inquiries Since your last update on XXXX XXXX, 2016, XXXX inquiry has been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2016 Equifax You now have XXXX inquiries on your credit report. 
View Credit Inquires View Credit Report
I was covered under the Arizona XXXX program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with XXXX. I checked my credit report today and noticed that I was sent to collections twice by Commonwealth Financial on XXXX/XXXX/17 for {$570.00} and for {$1200.00}.
Capital One keeps reporting a charge off that is not mine to the XXXX credit bureaus.The credit bureaus respond to my disputes that the item has been verified.I conacted Capital One directly and asked them to provide with proof that the charged off account was indeed mine.They have failed to respond with any proof of the validity of the debt andare not in compliance with the fair credit reporting laws.So what do I do to resolve this issue.This mistake is affecting my credit score for almost 7 years and stopping me getting a car loan and a mortgage.The payments would be too high.
I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Discover card has been harassing me multiple times every day and night, early and late, 24/7 insisting I call back. They call on both my cell phone and landline. I have never provided my private landline number to Discover and this is an invasion of my privacy. When I block one of their XXXX numbers, they switch to another XXXX number and continue calling repeatedly. 
I called back today XX/XX/18 and was informed that I could take advantage of some sort of automatic debit program if I was late making payments. As far as I know, I have not been late in making a payment. The calls are harassing. 
In addition, Discover repeatedly contacted me to transfer a balance from another credit account and when I did, Discover reduced my credit limit for absolutely no reason. 
These are misrepresentations, harassment and the Discover company needs to be reined into proper business practices. 
Thank you. 
XXXX XXXX
Recived a phone call from ARC Management group about a medical debt, during intitial communication with there representative on XXXX it was stated that my medical insurance had declined the original claim and it had been given to them to collect. I informed them it was a mistake and I would contact my insurance agency XXXX to fix the problem. To which they requested a call back after. Contacted my insurance got it resolved and they said the claim would be fixed. Upon calling ARC Management group back I was handled by a separate representative who when I attempted to explain my coverage was good and the debt would be paid. I was told No that it was a deductible and it must be paid today or it would impact my credit. I responded with no it was miss filled and I had already paid my copay for services that as soon as my insurance handled the claim they would be paid. To which I was told that it was amazing that I hadnt already been reported to the credit bureau and if I didnt get my insurance agency on a conference call or get them a fax with promise of payment that i was required to make a payment myself immediately or my credit would be affected.
Like many people my age I have a crippling amount of student loan debt, almost all from the private lender Navient ( formerly XXXX XXXX ). I recently read about the law suit being brought against them and it was like reading about all my own horrible experiences ; I had no idea the CFPB were the people to report their behavior to, and I would like to disclose my miserable dealings with them as well. 

Shortly after graduating in XX/XX/XXXX I started making my payments. At first I was on a four year interest only repayment plan which was over $ XXXX/month ( that 's just interest! ). After that I started making payments of around $ XXXX/month. I have tried everything to get the interest rates reduced and release my cosigners but have been denied every time. I have called their Customer Service representatives ( which is a whole other complaint in and of itself, it 's like pulling teeth trying to deal with those mindless people ) and even took up my issues with their Office of the Customer Advocate. The response every time is " there 's nothing more you can do except pay the bill. '' But perhaps the biggest frustration has come when trying to pay more than the amount owed that billing cycle ... 

If I had a bill that was, say, {$1100.00}, and I want to pay extra? Good luck! First they will try to allocate the extra funds to your next billing cycle instead of applying it to the principal balance. They literally just sat on the money I sent and took it off the next bill while my interest kept accruing. And then if you call they give you some confusing statement about why that is, and if you get them to reverse it they will spread the excess payment out across all the loans. Getting them to apply the extra funds to a specific loan is an even more difficult task. When I asked how to make this go smoothly in the future they said to send a check with the instructions for the extra funds in the memo section. Tried that, same results as before. Another call with Customer Service, another 30-40 minutes of my life wasted, another XXXX ensues. Rinse and repeat every, single, time. 

I know what they 're doing, they 're trying to XXXX around with the payment in a way that is detrimental to the customer. Why listen to their request to apply additional funds to the loan with the highest interest rate? That means they wo n't get more money in the end! I 'm happy to repay the money I borrowed but this is absolutely insane. At the rate I 'm going I will have paid for my education several times over by the time I 'm done with Navient. It 's outrageous that they would even offer these kinds of loans to an XXXX year old kid. I guess that 's what the cosigners were for, and perhaps it 's my parents fault too for not recognizing the indentured servitude I was signing up for, but we were all products of the XX/XX/XXXX 's ... borrow everything, you 'll be fine! I was naive when I signed up and had I to do it over again I never would have done it.
I hav e 3 cur rent complaints with Equifax. First, they have blocked my credit file from me. I have tried pulling my Equifax report through Equifax  Credit Monitoring, i have  tried through  XXXX  and  XXXX , all for some reason are not able to get my credit report. As far as i know, it is illegal to block access to a consumer 's own credit report. Second, for some reason they decided to delete all the accounts from my credit file to which i am an authorized user. This was never requested and is clearly the credit bureau taking adverse action for their own convenience. Third, i sent them a request to invoke my rights under FCR A 605B to bloc k the reporting of fraudlent accounts. I sent them the FTC letter along with proof of identity and they also seem to have ignored this as well. Equifax has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCRA  605b which m andates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FC RA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provide d in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that  the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a   statement by the consumer that the information is not information relating to any transaction by the consumer.
THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE
Account was opened in XX/XX/XXXX with a promo code that was for {$250.00} once a direct deposit was initiated. I inquired onXX/XX/XXXX about the posting of the {$250.00} and was informed tat the code I used was not valid for the account i opened. Supposedly the account I opened had a different code. The account opening process was done all online and the banks system accepted the promo code with the account I opened.
Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. PLEASE HELP!
I have made more 3 types with XXXX, Equifax, and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX
I have received a letter from a Collection Agency called Convergent Outsourcing , Inc attempting to collect a debt which I do not owe or have any knowledge of in the amount of {$1300.00}. The information on this letter is for an account # XXXX for XXXX which I do not recognize. 
I do not have any responsibility for this debt.
I took a loan for XXXX and I 've made over XXXX payments for each month, and I 'm still owing XXXX after making payments totaling XXXX after 3 months. I 've made XXXX payments since the middle of XXXX XXXX, XXXX. They have me schedule to pay the loan in XXXX XXXX, but since I 'm sending extra they now have move the payoff day to XXXX XXXX instead of XXXX XXXX. With the payments I have schedule their going to earn over XXXX extra in fees and interest for a loan to be paid off in less then a year. The name of the company is Rise XXXX from of the Internet.
This is my THIRD attempted to dispute a debt that is NOT owed by me. I am a victim of Identity Theft and I have been battling with this company for so me time now to remove this off of my credit. I've tried contacting the Collection Agency by myself and also Equifax but yet Equifax has yet to do absolutely NOTHING to help or verify this debt as well as the collection agency. This debt was taken out under my name without my consent and I am tired of trying to fight this. If this does not work this time, I will be taking legal action against Equifax and XXXX XXXX of this debt that is being filed against my credit report affecting my living standards. this is pure greed and must be stopped. I just received in mail from Equifax on XX/XX/2018 that they have verified a false account under my name.
Case number : XXXX. I am following up on this case number. I have attempted to contact Discover Card contact but have not received a return call. 
The response has not been in a timely manner.
Complaint # XXXX Spoke with Big Picture Loans at Length with XXXX the manager she scheduled the date of XX/XX/XXXX that my acct was to be credited $ XXXX+XXXX for overdraft fees. Called XXXX to see why funds where not credited to my acct and she told me she was sorry that the acct was closed out and that I had to call her back to schedule another date to credit the acct. On XX/XX/XXXX I called to schedule a date and she told me that my acct was being reviewed by the law dept since I filed a complaint with the consumer financial protection bureau and there is no date to credit the acct. She stated that they would contact me she She had no more info and still couldnt credit acct until the investigation is over. I cant believe that these people are still stalling I never gave consent for my acct to be debited after it was paid off.
We purchased our home  XXXX   XXXX   XXXX . HUD assumed my mortgage  XXXX   XXXX   XXXX , and sold my Loan to Ocwen in an Alonge dated  XXXX   XXXX ,  XXXX . I had payed HUD  XXXX  for two years from  XXXX  till sale to Ocwen in  XXXX  which was a slight reduction from  XXXX  due to our  XXXX  losses. Ocwen says I only paid  XXXX . I have original letter head from HUD verifying  XXXX  ... their 's is not on H UD Letter Head ... .I hav e constantly had issues of harassment, they even tried to process a payment of  XXXX  thru my checking years ago, conflicting statements, a forced foreclosure resulting in having to pay  XXXX  to get back in good graces and now my loan is up  XXXX   XXXX  and they are saying I still owe approx  XXXX  have not asked for final payoff yet. There have been multiple other issues such as back posting, unsubstantiated late payment charges, property inspection fees, I asked to pay my own taxes they sent me  XXXX  checks from escrow but say they have no record of  XXXX  of them ... I cashed none of them ... switched me back and forth from Modification without approval and forbearance statements ... .and more. Thank you