WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my Equifax and XXXX credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from Equifax, XXXX and XXXX XXXX. Therefore this is outrageous and illegally reporting against me.
I went to Bank of America Branch XXXX on XXXX XXXX XXXX in XXXX XXXX Every month I deposit my rent in landlord BOA Account. I usally do a cash advance from my credit card and then deposit in landlords account. Branch was unable to process cash advance due to their machine being offline. Teller manager suggested I go to branch XXXX on XXXX XXXX XXXX as their machine was working to process cash advance. Went to branch and was told by teller that BOA did not process cash advances for non-customers. As I have done this at BOA for the past two years I went to manager for clarification. the manager, XXXX XXXX told me that BOA stopped doing cash advances for non-customers about one year ago. I questioned this again and again but was sternly told they would not process this. I then call BOA corpoate and was told I was lies to. I filed a complaint through BOA corpaorate and the first branch I went to. Both said BOA did process cash advances for non-customers and I was not told the truth.
I went back to college in XXXX to finish my XXXX XXXX. Navient has a private loan I borrowed in XXXX for college. It was originally in my loan contract that I would not have to make any payments as long as I was enrolled in classes full time. When I went back to school they told me that detail had changed without my knowledge, and they were trying to make me pay monthly interest charges. I received multiple automated phone calls, which I did not agree to on my cell phone, frequently getting multiple calls WITHIN MINUTES. This happened in the summer of XXXX, a year after I had come back to school. When I spoke with someone at navient, they told me their automated system was messing up and continually threatened me with default regardless of the improper phone calls. They said if I made my payments, I wouldnt be getting calls in the first place. I deliberately told them to take me off of their auto dialer, but the automated calls continued. They then placed my loan in default in the fall of XXXX, wrecking my credit. The loan continues to sit in default and harm my credit score because they refuse to put my loan in in-school deferment. I tried to work something out but they only cared about getting any money they could as soon as possible. I am now in XXXX XXXX and continue to suffer from their practices, including continued phone calls as recent as hours before writing this, and the fact that my loan continues to be in collections.
I first want to start by saying that I am unsure if I selected the correct categories because I am in a very odd situation, frustrating situation at that. 

My work offers an HSA ( health savings account ), and they require you to go to a specific bank ( People 's United Bank ), to open the HSA account, they also give you a {$500.00} to deposit into the HSA account. Why I feel this is an urgency, is because I just had my wisdom teeth extracted and I could use the {$500.00} that my work gave me to front load my HSA account. Well, when I went to people 's united bank this week and a week ago, they told me that I showed up on a chex system report, meaning that I had an outsanding charge off with another bank. People 's United bank couldn't tell me which bank was reporting that the first time, but for some reason they were able to tell me the second time which I find frustrating that they couldn't tell me the first time. The second time I went into people 's united bank in  XXXX, NH, they told me that XXXX XXXX XXXX was reporting me and that I couldn't open up the HSA account. 

I had to think for a minute because my the only bank that I have a checking or savings account with is XXXX XXXX XXXX XXXX. I then remembered a few years back, my father was going to jail and he needed someone to pay his bills for him while he was in jail, and he had me put my name on his account at XXXX XXXX XXXX XXXX so I could pay his bills. Well, I went straight to XXXX XXXX XXXX in XXXX, NH and the manager terminated my name from my father 's account, but wasn't able to report that I wasn't responsible for the {$3000.00} charge off account that my father accrued with XXXX XXXX XXXX XXXX. My sole purpose was not to be on my dad 's account to pay his fees, but to pay his bills for him while he was in jail. Now I can't open up an HSA account at People 's United bank until my dad 's balance at XXXX XXXX XXXX is paid off. I don't feel that is fair to me because I honestly didn't realize my name was still on my father 's account and nor did my father tell me that I was still on his account. So while he was racking up a bill with XXXX XXXX XXXX, my name was still associated with his account. I am furious! And I will take every step that I need to, to resolve this. I don't feel at all this is fair to me especially for the reasoning that I was on his account. 

XXXX XXXX at People 's United bank sent me an email XX/XX/18 stating that I can't open up an HSA account until the balance at XXXX XXXX XXXX is paid. 

XXXX XXXX at XXXX XXXX XXXX provided me a letter XX/XX/18 stating that I was terminated from my father 's account to provide to Peoples United Bank, and even after providing that letter, XXXX XXXX still told me that I couldn't open an HSA account
On XXXX/XXXX/15 I received a phone message from XXXX XXXX to call XXXX about a credit card matter that, if not resolved, would result in a lien placed on my house. I called, she passed me on to the atty, XXXX XXXX @ XXXX. He told me I had a XXXX XXXX in arrears for {$43000.00} and could resolve the matter by paying him {$3000.00} on my credit card. I do n't have a XXXX XXXX. I did not pay him. Instead I told him that I was reporting this call as a scam.
XXXX XXXX XXXX. XXXX XXXX XXXX thx XXXX XXXX Loan XXXX Continue harass my family with threats of foreclosure.

Every year they harass me about flood insurance and policys This year they harass me about annual occupancy certificates.

Even though Ive never received any communication from them they threaten to foreclose on my property for failing to fill out a form that Ive never received.
( 1 ) debt was never owed creditor cleared this up with collection agency but was not removed from my report.collection agency put paid closed.actualy was never paid by me. ( 2 ) same as above
I want to refinance my Mortgage but Select Portfolio Serving , Inc. is trying to make me pay {$16.00}, XXXX an addition amount I don't owed. A letter sent to me from XXXX dated XX/XX/XXXX offering me to rearrange my payment. I disagreed with the addition payment of XXXX on XX/XX/XXXX in a recorded conversation with XXXX XXXX XXXX which she wavied. who worked at XXXX ( Modification unit ). I never agreed or signed any document to paid this Addition amount of {$16000.00} but I did disagreed. 
XXXX filed a Judgment of Foreclosure and sale against me and my husband it was ORDERED vacated on XX/XX/XXXX without cost to any party. so, I don't owe any court or attorney fees {$3200.00}. 
I have paid my owned XXXX XXXX and XXXX XXXX XXXX sent XXXX. Select Portfolio Serving Inc. or XXXX did not pay {$7700.00} in any XXXX Account for us. 
I don't know where the Accrued Interest Previously Extended from {$1700.00}. because we were paying our mortgage or the {$4000.00} which equal the {$5700.00} posted on the XXXX Account History sheet. 
.
hippa and cra violation of my rights XXXX XXXX XXXX XXXX not mine sent police report no knowledge of account police report was sent to XXXX and equifax
Hello, I have contacted Experian about my credit information 14 times, through the web and several calls. The problem is the personal information that I am providing, name, address, and SS, that I am providing, does not match what they have in the system and I told them that is who I am and I can prove it. But, time and time again, they kept telling me sorry we can not help you unless I provided the correct information, which I told them that I am and they basically said, sorry we can not help you. I kept asking who I can talk to, so I can show them who I am and prove to them that who I am is the person with the SS, but they kept telling me sorry we can not help you, because the information I provided does not match what they have in the system. After the 14th call and several weeks of trying, I went straight told the person that I needed to talk to their supervisor and I told the supervisor, that the problem I having is my personal information that I am providing does not match their system and that I can prove who I am and that my SS and all information that I can provide is correct and what Experian has is wrong and I believed someone is using my SS. I asked her who can I talk to or how can I make an appointment to see someone to show them all the proof I have on who I am and get this fix, which was affecting me getting a car loan and to my surprise, after I gave my personal information to the supervisor, she said, sorry we can not help you, because the information that I provided does not match their system. Keeping my calm I said to her, I know, that 's what I told you at the beginning of the phone call and that is why I wanted to talk to you, because I believe someone is using my SS and she basically said, sorry since the information you provided does not match what is on file, they could not help me. I could n't even open a dispute because the information I have does not match their system. That was about 3 years ago and time and time again I keep getting denied credit from companies that only use Experian as their only source. The other XXXX reporting agencies I have no issues with and can view all my credit information, except Experian. I stopped trying to get this resolve, since I figure there was no help, till I read about this page that can help people like myself. 

Thank you very much for your time and quick reply,
YOUR COMPLAINT I have previously filed a complaint against this company approximately 2 months ago regarding a processing fee that I was not told about. The complaint was responded to by stating I would not have to pay this fee per transaction. This was true for about 2 payments. My payment as of XX/XX/XXXX was charged the fee again. When calling the company I was told they would have never made this statement to me about not charging the fee and I was told a manager would call me back. I called a second time hoping to speak with someone that would look into the file and once again a manager would call me back immediately. No one has called to resolve this issue.
I have attempted several times to correct information with transunion to no avail. I have placed 3 separate disputes in order to correct the information. The first one went without response. The other 2 I was told that " transunion has investigated the dispute and finds the information to be accurate '' - which is not possible, because the information is not accurate at all. <P/>I have XXXX accounts that are showing some form of late payments - in which I have spoken to the creditors and they say that they have never reported anything late as I have always paid on time. <P/>This issue is seriously affecting me as I am unable to receive student loans to for medical school because of this incorrect information. <P/>I believe in either case, the failure for Transunion to respond to my first dispute letter within the allowable timeframe ( or in this case, not at all ), is in violation of the Fair Credit Report Act and the disputed late payments should be corrected to reflect accurately a paid on time status.
I have a a unverified account from PLAZA SERVICES #  XXXX . I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the followin  g : 1. ) The original Application or contract or produce my signature on the original contract.
2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) A  n itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
refused to issue me a new card even tho it expires in less than a month. when they do get around to sending, as per their supposed process with only 2 weeks left, they send it with no tracking regular mail, then refuse to assist in anyway towords getting a new card in the customers hands. the account is tied with my payroll so now i can not get any paycheck or pay billes until they get around to honoring their commitment. They refused me contact with a supervisor.
Credit card with citibank was issued without my application. Kept card. Have had multiple issues with unauthorized transactions since getting the card. card replaced multiple times. Credit card with citibank has had multiple instances of fraud on the account. I can longer access the account online. An XXXX call center staff member, whom I was directed to contact, could not access my account. Almost all of the activity on the card is fraudulent and I want the account closed right away.
The company XXXX XXXX appears to be creating credit reports with purposely low scores, which are then used by banks to demand higher interest rates and terms less favorable to the consumer. 

For example : I recently purchased a XXXX and authorized the dealer to run a credit check for the purpose of soliciting offers from banks. My XXXX score is XXXX, but my XXXX score was XXXX ( on a scale of 1 to 999 ) and cited factors related to time at phone and address, too few installment accounts, total account balances, etc. XXXX XXXX  then sent me a letter informing that due to my credit information, they could not grant a loan on the transaction as submitted, but would be willing to do it on modified terms that had been submitted to the dealer. Searching online, I found that others had had the same problem with these two institutions. I ultimately did not use XXXX XXXX, but wanted to inform you of this potential scam.
I recently had my credit pulled to purchase a home. I was advised that a collection was on my report from Performant Financial. I have ZERO collections on my credit and this was a unauthorized pull \. I contacted them and they advised i needed to call XXXX. When I contacted them they said there is nothing they can do and Performant needs to request to remove wich they refuse. Ifaxed a request to XXXX as well
I retained a copy of my credit report and saw a derogatory mark for a collection in the sum of {$1700.00} from XXXX XXXX representing XXXX. I sent a formal letter to XXXX XXXX   disputing the collection and requesting " validation '' ; that is competent evidence bearing my signature on a contract. 
XXXX XXXX failed to provided me with a copy of any alleged contract or viable evidence, bearing my signature, showing the account is being reported accurately. 
I stated in my letter the debt is inaccurate and failure to " validate '' should result in deletion of debt on my credit reports.
The day after my monthly car payment is due Wells Fargo calls me constantly, between 4-8 times a day. While I 'm at work, while I 'm eating dinner, while I 'm tucking my kids at night. This has been going on for almost a year despite my constant pleas to them to stop. It 's giving me XXXX and I do n't even want to turn my phone on anymore. Please help me. I do n't know what to do!
I took out a payday loan that was eventually included in my bankruptcy back in 2011. Since then, every 6 months I get a batch of phone calls from a new company who purchased this bad debt and sold it to another that does the same and so on. This latest company, Direct Capital/XXXX, has had it for some time and is relentless in their phone calls. Even worse, they are calling my parents who tell them I do n't live there but it does n't deter them from calling. I have actually spoke with various representatives and explained my situation, gave case numbers, etc. and many have 'found ' my bankruptcy and assured the calls would stop within days. They do n't. I contacted my bankruptcy lawyer who says to use the words 'harassment ' when dealing with them, as this is what it is at this point, but yet the calls continue. My parents are looking to me for a solution, for which I have none. Worse yet, the number they leave, XXXX says they are unable to answer at this time ... and never are.
There are XXXX outstanding issues with my Experian credit report which have negatively affected my credit score : 1. The XXXX XXXX credit account listed in the report is not mine. This account is linked to my college address and was reported to be opened under a name that does not belong to me. At the time this account was reported to be opened, I had already graduated college and was no longer living in that address. I never authorized to open this account. I am requesting that the item be removed to correct the information in the report. 

2. The name linked to the XXXX XXXX credit account is not mine. I am requesting that the item be removed to correct the information in the report. 

I have provided Experian my SSN and passport which states my legal name. Experian has not corrected these XXXX issues even though I have written and disputed the information. 

Attached is : - An excerpt of the original letter I wrote to Experian. 
- A copy of my passport. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- An excerpt of Experian 's dispute result with the credit account that does not belong to me. 
- An excerpt of Experian 's dispute result with the name that does not belong to me.
I never attended college in XX/XX/2014 so I do not understand these late payments. I never received any bills or statements.
I sued the attorneys for Wells Fargo Bank over an account that was reopened and used by them that they wanted me to pay off as a LOC. The judge sided with Wells Fargo not because they proved I owed the loan but because she said it took me too long to sue them! The attorneys for Wells Fargo ( XXXX XXXX XXXX, XXXX in XXXX XXXX, MD ) sent me a letter stating my home would be " sold at public auction at the Courthouse Door, Judicial Center, XXXX XXXX entrance, XXXX XXXX XXXX, XXXX, MD under foreclosure proceeding instituted in the Circuit Court for XXXX County on Monday, XX/XX/XXXX at XXXX. The next day the renter in the property received a phone call from the " new owner '' stating they could not stay beyond their lease of XX/XX/XXXX. The tenants informed me they paid rent to the new owner for XX/XX/XXXX. I contacted Wells Fargo and they would not give me any information. They are aware of the 1st Mortgage in the amount of {$26000.00} due to XXXX XXXX. They have not paid XXXX and XXXX is now reporting like I still own the property even though I paid them their portion of the mortgage through XX/XX/XXXX.I am getting bills from the property after XX/XX/XXXX when I no longer owned but can not get any information in writing from the Wells Fargo attorneys . 

What can be done? Wells Fargo told me they would ruin my credit and not only foreclose but make I was not eligible to get a refinance or any other new loan. I am going to retire shortly and want to move. Wells Fargo is doing all they can to ruin because I refuse to pay a credit card that I did not have.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust ( NCT ) and they have no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is with NCT who wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.