WillisBack/dataset-financial-user-claim huggingface dataset:
Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXXwith XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}
I was set up on a financial assistance program in XXXX due to financial hardships due to changing jobs. I then found out that I was canceled due to the representative setting my payments up as an ACH transaction as opposed to a purchase. I received numerous collection calls after this was set up and this was the only way I knew that my account was changed from a positive to negative standing. I then called and spoke to a supervisor to get this set up again in XXXX. I come to find out today, 5-10, that I was cancelled per a rep. named XXXX. XXXX told me that " the head manager '' declined me, not because the financial assistance program was n't being followed, but because Navient changed their mind in determining my repayment ability. I asked XXXX for an email with some specifics so that I could later call back and speak to a manager but he said that " he was the one who dictated what could be communicated '' and what I wanted was not available in any form. XXXX was rude, intimidating and not helpful. I already paid money to Navient yet do not know what my account status is. I am very worried and concerned that my credit will be affected. I need help.
This inquiry was added to my XXXX credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.
I get XXXX collections account under my name with Forest Recovery Services for XXXX differences amount who does n't belong to me. I want this collection to stop calling me and harassing me on the phone and I want this debts to be removed immediately from my credit report. I do not have any idea who this company his.
I have tried to contact Experian regarding incorrect and outdated information on my credit report via direct mail per the addresses provided on thier website. each time mail come back to me " RETURN TO SENDER ATTEMPTED - NOT KNOWN UNABLE TO FORWARD ''. Why are they allowed to do this?
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
I contacted ERS in an attempt to set up a payment schedule. I was told that if I did not adhere to their payment schedule which I am unable to afford at this time, that that they would report my account as delinquent and that I am refusing to pay the debt even I am making payments towards the debt of {$20.00} month which I can afford.
They called me and left a voicemail saying I should call them back for personal reasons that they did not disclose. They never said who they were or what they do. When I called they refused to disclose any information before I could verify my full name, address, social, and date of birth. They said they did n't have a physical address to give me when I asked for it. 

To me this sounds like someone who makes a living out of identity fraud.
PERFORMANT FINANCIAL performed a HARD pull on my credit on XXXX XXXX withoutmy consent. 

PERFORMANT claims the were authorized under FCRA to obtain my credit due to and account transfer, HOWEVER the date that PERFORMANT opened an account was like XXXX XXXX. 

XXXX MONTHS before the FCRA allowed. 

FUTHERMORE FCRA grants PERFORMANT authorization to do a soft pull not a hard pull
On multiple occasions a debit firm under the name XXXX XXXX XXXX based out of XXXX, CA continues to contact my relatives and myself claiming I have a debit owed. When contacting the company, they can provide zero information on the alleged debit and when I ask to talk to a supervisor they hang up. This is a scam and they have alleged legal action including jail will occur if I do not contact them. I contacted them and threaten I would report them to the XXXX Police, CA Attorney General and the XXXX. The lady hung up on me. I 've saved the VM left to me and the XXXX number and reference. It is XXXX ref # XXXX. I 'm drafting a certified letter that will detail they are not to call me again nor my family. Not sure what else you need, but the last call to me and to a relative was XX/XX/2017.
We tried for years since XX/XX/XXXX to get a modification after my husband got sick and was not able to work driving long distance trucks any longer. We started with XXXX XXXX Mortgage but they sold our loan as soon as I made the request for a modification. We were sold to Nationstar Mortgage. It took over a year to get everything done with them. The modification went through on XX/XX/XXXX. Our mortgage was lowered from {$1400.00} to {$1100.00} with fees of {$15000.00} and 10 years added to our mortgage. Around XXXX we received notice that our land/house taxes with the county was not paid. I called Nationstar and they realized when they did the modification they left off the taxes from the escrow. They paid the taxes BUT when they reassessed XX/XX/XXXX, they notified us that the payment would go up due to the reassessment to the {$1400.00} which was the same payment it was before the modification. Therefore we paid {$15000.00} and got 10 years added to our loan to get a modification and lower our house note only to once again see the payment go back to the original payment because they made a mistake in the initial paperwork. This does not seem ethical or fair to a consumer already in trouble with making the payments. Please help us with this.
XXXX XXXX is on my XXXX report as an open acct, open date as XXXX XXXX, date of last payment XXXX XXXX with a balance of XXXX {$.00} i did dispute with both equifax and XXXX because it didnt match equifax report- and during the dispute XXXX removed my acct from equifax, then put it back on with different info. the first report that was removed had an open date of XXXX XXXX, and is listed as closed, when they reentered it onto my credit report on XXXX XXXX, it is listed as open, opened on XXXX XXXX, a balance of XXXX, ( i have made no payments ) and it says i missed XXXX payments ( i havent made any payment arrangements.they also have it listed as XXXX months on XXXX report.i feel something just isnt right, and i have received no correspondence from XXXX other than when my car was auctioned and i owed the amt of $ XXXX that was back in XX/XX/XXXX.
Experian has reports my address, phone numbers, and name incorrectly as well as my student loans status, medial bills reporting incorrectly. This has significantly affected my approval for credit.
Account : XXXX I have a loan with XXXX which I presumed closed and paid in full in XX/XX/XXXX but I come to find out whilst filing my taxes this year that it is still open with a balance of {$770.00} with an extended due date of XX/XX/XXXX. When I made a lump sum payment of {$58000.00} on XX/XX/XXXX, at the time I assumed my loan was paid in full because this was the total amount and even if it wan'ts in full, I would not assumed that Nelnet would automatically EXTEND my due date so that I can unknowingly continue to pay interest until XX/XX/XXXX. Customer service informed me that I paid off the principle balance but neglected the interest, if I would of known I would off paid it off the following month when my statement comes but since they automatically extended the due date, I wouldn't have known unless I received an email stating that my tax documents was ready- which I usually ignore since I know that I paid off the loan in XX/XX/XXXX thus nothing to report on. 

This automatic due date extension is extremely deceptive. You can pay off your total amount due ( or what you presume is due ) but since interest is compounded daily, you actually wouldn't of pay in full unless you call and get the actual total for that day. I never consented to this automatic due date extension. My intentions when I paid $ XXXX in XX/XX/XXXXwas to pay off the total, not to have a lingering amount to help Nelnet accrue interest off me.
On XXXX XXXX my XXXX XXXX XXXX XXXX was totaled financed by Westlake Financial on  XX/XX/XXXX. On XX/XX/XXXX my insurance ( XXXX XXXX ) started trying to contact Westlake to get pay off information an title to close out the loan and send the vehicle to the salvage auction. XXXX XXXX contacted me on XX/XX/XXXX asking if I had spoking to westlake financial they had mailed and faxed documents for them to return back. Which Westlake financial was refusing to answering there calls or respond to any correspondence from XXXX XXXX. On XX/XX/XXXX I called Westlake with XXXX XXXX on a 3 way call forcing them to give XXXX XXXX what they needed. After the title was giving to XXXX XXXX an payments where sent to Westlake 3 weeks later I look at my credit I have a charge off on my credit. Showing as if Westlake financial repossessed the vehicle a sold it. When it was a total loss. I want them to remove the charge off from my credit.
There is two account on my XXXX and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.
Company was charging excessive fees reported them to the CF already. They responded with the letter stating that nearly one-third of the fees we're just and then refunded an amount of money that was not equal to 2/3 of the total fees. Total fees in excess of {$3000.00} amount refunded XXXX that leaves a balance of {$600.00} and {$0.00} that they still owe me according to their letter if one third is just then 2/3 was charged incorrectly. I'm asking for the remaining amount of {$600.00} be refunded to my account according to the letter from the bank.
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
I co-signed on a car loan with my son and he purchased full coverage on the vehicle including gap insurance. He was involved in an accident and the car was totaled per geico insurance company. The bank was named as additional insured and at all times was kept in the loop.As you know insurance companys take time to process claims and it was taking longer than usual and the bank was not co-operating with the insurance comapny which my son should have taken care of this and he didnt. To make a long story short the insurance company paid the bank and the gap insurance company requested information from the bank which they did not to my knowledge provide to them so they may pay the balance of what the insurance company did not pay.The bank has falsely reported to the credit reporting agencies that this is a voluntary repossession which is not true or correct. They were paid in full according to the insurance company. This is affecting my credit standing.
I made my lease payment at the end of XX/XX/XXXX. I believe it was made out of the wrong account. Furthermore, the account that it was pulled out of was not attempted to be pulled out from for 12 days. 35 some days after payment was due, I get a call asking for payment. I am shocked. I thought that the pullout was not even for last month but for this monthly payment because it was close to XX/XX/XXXX, which I was actually angry about. I thought it had been made earlier than it was supposed to be. After rep called, I found out the truth and immediately made payment, dated that day for XX/XX/XXXX. Customer service representative waives late fee and apologizes and makes no mention of how they destroyed my credit.
I received a money order for a piece of art. I took it to my bank and they told me the check was good and I would have access the next day. 5 days later they withdrew the money from my account and said the money order was a forgery. I expected my bank in this day and age to know a forgery and let me know before they made the money available to me. The last thing I expected was 5 days later to be told it was a forgery. I had been with this bank for 12 years. It was their responsibility.
Service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. my insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. the hospital then sent the bill to collections. I notified them in XXXX 2016 that the bill was incorrect.I have maintained contact with them and have been attempting to resolve the issue. In XXXX, my credit score was XXXX, currently it is XXXX over {$100.00}.
My debit card was charge without authorization on XX/XX/2015 for {$180.00}. I did not tell them to take a payment. I was called serval times and received an e-mail to contact them. Shorty after someone took money out of my account which I needed for my rent and has conflicting effects with other bills I had! I work in this industry and this is considered fraud at my company for running a payment without consent.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you
I have filed several complaints about Wells Fargo so far Wells Fargo has not called me but only sent a letter to bbb so Im filing again then next time sense Wells Fargo has changed committed fraud and identity theft Ive filed a police report and I have an attorney that has my paperwork showing how Wells Fargo has tried to open a credit card in my name and has now settled with this yet I did file with the mediation department I have not been contacted one time about this I will turn this over to the attorney to go ahead and file I open court to resolve this issue I know now that Wells Fargo can not send this to arbitration I can sue them I recently gave Wells Fargo another chance and now Im getting the same results with the credit card I have and I also closed my checking account due to the fact to many problems and issues I do have a police filed so I dont want excuses from Wells Fargo if I dont get any contact by this bank I will go ahead and file in court I want this settled with compensation for what I been through I do have proof of the credit card that was almost open in my name the attorney advised me that Wells Fargo did not selttle on this matter that this needs to be cleared up or Im going to take this bank to court I will file another complaint with cfpb about this matter Wells Fargo has done nothing but caused problems and I want this resolved
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Navient has consistently called my personal phone non-stop every single day of the year so far. But it doesnt stop there : Navient has called various phone numbers connected to my place of employment, my parents and other distant relvatives that Im not in close communication with. Ive asked Navient via phone and email to stop calling so much but more importantly not to call any other person but me.
I am enrolled on the route to public service loan forgiveness through XXXX XXXX XXXX. When I initially enrolled I had 63 payments counted from my 5 years of employment for 2 separate XXXX. I am absolutely certain my employers qualified as I was a XXXX XXXX  employee. I am also absolutely certain my payments were under PSLF qualifying repayments using income based repayment.

I was placed under " audit '' around XX/XX/2017to verify my payments. I have called numerous times over the past year and they keep telling me that the audit takes more time and they have no further information.

This is unreasonable service to take so long to simply count my payments and not provide any further guidance.
I am writing about a collection on my XXXX credit report. The collection comes from XXXX XXXX. Portfolio Recovery XXXX is handling the collection. I have been a victim of identity theft and someone setup account with several credit card companies acting like me and never paid them. I have report this on all my credit reports. There is a fraud alert too. The amount is showing up as {$910.00} and as a negative collection. I need Portfolio Recovery XXXX to remove it completely from my XXXX report. I am refinancing my home and they indicated that it would have to be removed and corrected before I can move forward. I am just being honest.
On XXXXXX/XX/XXXX, XXXX XXXX file a judgment against me at the XXXX XXXX XXXX. The court date was scheduled for XX/XX/XXXX. I went to court and a judgment was established. I was ordered to pay XXXX. On XX/XX/XXXX, I went to the apartment complex formerly known as XXXX XXXX. XXXX XXXX is now under new management and is called The XXXX XXXX. Not being aware of how to resolve and settle the debt, I went to the XXXX Municipal Court Clerk. I was advised the payment will have to be submitted to the original debtor before the judgment could be considered satisfied. I went to The XXXX XXXX ( formerly known as XXXX XXXX ) on XX/XX/XXXX. I tried to pay with a check so I could have a record. However, the representative stated they would only accept cash. I went to the bank to withdraw the funds ( {$760.00} ). The funds were then taken to The XXXX XXXX office. The representative printed out a judgment satisfied form and stated I would have to take the receipt back to the XXXX Municipal Court. A year later ( XX/XX/XXXX ),  ProCollect Inc was still reporting a balance the credit bureaus ( XXXX, XXXX, and XXXX ). I contacted ProCollect Inc by phone on XX/XX/XXXX. The ProCollect representative stated I would have to email the receipt to them. I emailed the receipt to XXXX. I called back to make sure the information was received. The representative stated the receipt was received. However, the receipt must state the account balance is {$0.00}. On XX/XX/XXXX, I went back to The XXXX XXXX ( formerly known as XXXX XXXX ) to get another receipt stating the balance is {$0.00} and the judgment was satisfied. I submitted both receipts ( via email ) to XXXX. On XX/XX/XXXX, I called ProCollect back to ensure they received both receipts. However, I was unable to speak with a representative. A week later, I received a letter in the mail stating the balance is {$670.00} and collection attempts will be made. At this point, I am frustrated with ProCollect Inc and start seeking paid debt information. I was informed I should file a complaint with the Federal Trade Commission.
XXXX   XXXX   & Knig ht Adjustment Bureau are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law  XXXX  companies can not collect on the same debt at the same time. They are both in violation,
For the last several months I have been attempting to go through the Loan Modification process with Select Portfolio Servicing ( SPS ). Even as of 1 hour ago ( literally ), I was told that I have submitted all of the documents that have been requested and this was done the week of XX/XX/XXXX, so it has been several weeks. 

They ALWAYS find something wrong with the documents i have submitted. I have heard every excuse from them - Like " they can not read what I have submitted ( even though its typed ) '', they " can not find the information on a bank statement '', even thought it is in plain view and circled. Or, " please submit again, we do n't have that info '' ... when I have already submitted it. XXXX will also randomly call me and hang up, I have records of all these calls, at least 2-3x per week. I am assuming someone is calling me back but does n't want to actually speak to me or help. 

My RELATIONSHIP XXXX changes every couple of months so every time I am lucky enough to get someone on the phone ( which is rare ), they do n't know anything about me or my situation and it must be explained again and again. I have had 4 RELATIONSHIP XXXX in the past few months. I have 3 of the 4 names, one I can not find. XXXX XXXX, XXXX XXXX, and XXXX XXXX. None of them want to help me and I get the run around. I submit documents EXACTLY how they ask for, then they will claim that they can not read or find something when it is plainly stated on the document. 
They have an excuses for everything. If you just XXXX " complaint or scam '' and XXXX or XXXX XXXX XXXX ... you will literally have thousands of posts come up so I am not the only person dealing with this. 
Sincerely, XXXX
On XXXX/XXXX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however Equifax has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX Request to reinvestigate with Equifax and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.