WillisBack/dataset-financial-user-claim huggingface dataset:
There have been several accounts that have been opened in my name fraudulently. The first account is as follows :  XXXX . The account number is  XXXX . The date the account was opened in  XX/XX/XXXX  in the amount of {$1200.00}. The next account is a   XXXX   account, which was opened in  XX/XX/XXXX  in the amount of {$300.00}. The account number is  XXXX . The last account that was fraudulently opened is  XXXX  account opened in  XX/XX/XXXX  in the amount of {$1200.00}.
I believe Navient is over charging me on interest. I pay the required amount each month and by the following month my principle is almost the same as it was when i paid it the previous month because of all the interest accrueing!
My personal experience that occurred on XX/XX/2018 with our builder ( seller ) which also happens to be the branch manager of a mortgage company were no longer offering FHA loans. When my loan officer was working for landmark mortgage the builder ( seller ) wanted to roll in the closing costs of approximately {$9500.00} into the loan. This was a great idea. However, when i went shopping around for a better rate with other mortgage companies he found out was very upset and told me that if I chose another lender besides his preferred lender, he would not help me pay for my closing costs ( or roll them in ). I have documentation where he stated that he would not honor what he originally had promised us. I spoke with him that he originally was going to assist me by rolling in the closing costs and he agreed. However, he signed amendment he will void the amendment if i decided to go with another lender or mortgage company.
Sent me a letter threatening to garnish my wages without showing me any type of verification of a contract between me and them. And further more the supposed debt is 20 years old and the of limitations to collect in the state of Kansas is five years, furthermore I reside in the State of Texas, which means by law I fall under the state of Texas not Kansas. Which theirs is five years also which means the statue of limitations has expired and them trying to collect on such a debt is illegal.
I submitted a complaint in regard to this company having this bill on my credit report. In my complaint I advised that this was not my bill. I have never had XXXX before in my name. The company sends me a bill stating verification of a bill. This is not a VALIDATION that this bill belongs to me. The bill has a name and an account number. There is no signed contract submitted, there is nothing of personal information that validates that this is my bill. The only thing on this bill is my name XXXX XXXX. A debt collector my not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. So with this being said I have attached a letter of VALIDATION not VERIFICATION which is what they sent to my and will also be sent in an attachment as well.
I am contacting you because experian keeps on reporting false information on my credit report and it is causing tremendous problems for me. I have been trying to fix this problem on my own non stop but as soon as I fix it they add another fraudulent credit inquiry to my report. I don't know if it's a XXXX issue or what but I always pay my bills on time and experian for some reason keeps adding credit inquiries to my report in order to drop my credit score when they don't even belong to me. I am XXXX  and a victim of identity theft and experian has been told that a number of times but they keep adding inquiries to my credit report anyway even though I tell them it's fraudulent and have provided proof. I am sending my police report again please make them remove these fraudulent credit inquiries and adjust my credit score to where it should be. This company needs to be investigated because they keep false reporting and I feel like I am being targeted because I am XXXX and XXXX.
I was released from prison in  XXXX  and began to work on my credit. I seen someone had a capital one account in my name. This could not be mine because I was in prison when the account was opened and we had no access to internet activity. So a fter Capital One investigated they deleted it. Now I am trying to rebuild my credit and actually apply, they are denying me. How can I be accountable or punished for something I did not initially do.
On XX/XX/2017 I initiated a {$60.00} international money transfer through western union to my family member in XXXX ( Tracking # XXXX ). Western Union refused to pay the money with no reasonable explanation. I raised a complaint with them internally and they stated they would initiate an investigation that could take up to 20 days ( Tracking of complaint # XXXX ). Days later I received a call from them stating that there was an error in their system that prevented them from paying out the money and provided me with a tracking # to claim my refund plus their {$5.00} fee at one of their agent locations ( tracking # XXXX ). When I went to claim the money they refused to pay saying the transaction was canceled and to contact Western. I contacted them and their story this time was that they refunded me the money DIRECTLY to my account. To date I have not received such refund ( attached is also my bank statement as proof ). They just continue to give me the run around with no resolution. I am now out of my {$65.00} and my family is going without due to this ridiculous way of stealing money and handling on behalf of Western Union. I hereby demand that they refund me immediately. 

Please help me because these people are crooks! I am also having trouble with them paying out or refunding me another money transfer.
I just purchased a new home and with this transition we had our internet disconnected so we never received our emails on a daily basis. Due to my move I never received a statement or notification regarding past payments. On XXXX XXXX we were reported as late on my credit. We have never been late since I opened this account in XXXX. This late payment is affecting my credit and I would like it deleted from all XXXX credit bureaus.
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

Independent Dealers Advantage, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
I used online chat to connect with Navient about 1 month before my final loan payment was die. The total loan was slightly more than my auto pay amount so I wanted to pay off the remainder. I was told 1 month before that auto pay was cancelled. On XX/XX/XXXX, I called to pay the full amount of my loan. I was told on the phone call that auto pay was not cancelled, although I was not notified. They would cancel auto pay for me then. I was also told that by calling to have customer service take my final payment, there would be a {$14.00} handling fee. This is completely ridiculous since the Navient web site is not user friendly to pay off loans or increase auto pay amounts. They kindly waived the handling fee for being a valued customer. ( eye-roll ) They took a payment by credit card of the remainder of the loan and was told auto pay on XXXX was cancelled. On XXXX, I called Navient again to confirm auto pay was cancelled for XXXX and they confirmed it was. 
On XXXX, I logged into my bank account and found that the remaining total of the loan was withdrawn as well as my usual auto pay amount of {$170.00}. Two payments were taken out of my account. I called Navient right away and while they apologized for the situation, they could only send the {$170.00} by check within 7-10 business days. They would not connect me to a supervisor or manager. So I went on XXXX and XXXX to recount the events. I got a reply to both with in minutes! It was there that I also found out about the lawsuit. The reply I got was to contact XXXXXXXXXXXX. Interesting that a loan company uses " socialmedia '' as their email address. I got a reply to my email and phone call saying that I would be reimbursed directly to my bank account within 2-4 business days. XX/XX/XXXX will be day 4 and I have not been reimbursed yet. I am hoping for the best but am not too positive after reading other people 's complaints.
I received a call from " CMRE Financial Services , Inc. '' claiming they were trying to collect information about a debt that is owed. I called back but they refused to give me any information without me providing my birth date or the last four ( 4 ) digits of my social security number, which I refused to do. In researching the company, I found they are known for making fraudulent calls and mostly attempt to collect debts for medical services. To the best of my knowledge all of my bills for medical services are paid in full and I do not have any outstanding medical debt. I am concerned this company is trying to fraudulently collect a debt that is not owed and it will negatively affect my credit score.
In XXXX I defaulted on my student loan. I went to court with the company that was seeking repayment and told them that I was willing to work out a deal to repay my loan. The company decided not to pursue the debt at they missed court dates. The case was dismissed in court. 

During about the same time but before the original case was dismissed another company came and filled suit at the same court house for the same debt. I had no idea that this company filed a civil complaint. The paper work i received I believed to be from the original company. I was being sued at the same court house for the same debt at the same time.This all happened in XXXX. 

Finally when I realized this it was XXXX. I filed a motion to dismiss the case which the judge granted but also said that this case would start from square XXXX. 

I do not believe this second company owns the debt and I should be protected from this type of practice debt collection practice. I have not been able to find an attorney to take the case and have been looking for months. 

I can email more details about my complaint including documents for you to better understand.
I 'm a Rushcard member and my direct deposit was never issued to me. When using mu card it declines all transactions! I 've had to borrow money in order to feed my family and pay bills!
I was reviewing my credit report and noticed that this company has reported that I owe them a debt to my knowledge i have never entered into an agreement with this company nor have they provided me any goods or services
Debt is not mine and does not belong to me. I have contacted XXXX and they have no record of my information. I have received several letters from the collection agency non stop and even at one point advised them it was included in a bankruptcy so that they would quit contacting me. The calls did not stop and neither have the collection letters. Since then this item has appeared on my credit report drastically reducing my score and affecting my credit.
Investigator XXXX XXXX and XXXX XXXX of XXXX XXXX disclosed personal information to my mother, my sister and a friend regarding my debt. They also threatened it was a crime and they would send " the authorities '' to collect the debt as well as garnish my wages. They solicited payment of {$1100.00} from my mother and automatically debited another {$1600.00} from her account ; total of {$2700.00}.
I have contacted them to remove multiple accounts from my credit report and they have not yet. It has been over the time limit and they still refuse to remove them. There are accounts on my report that are from XXXX, and the dates on some of them say the last payments were made in XXXX and that is not correct. I only used these cards for a year at the most which would make them closed in XXXX. And that would mean they are 11-12 years old. And I do not know why they changed the dates to XXXX, maybe to keep them on my report longer, but that still would make it 8-9 years on my report even if it was from XXXX. 
The accounts are XXXX XXXX XXXX credit card accounts, XXXX household bank credit card accounts, an express account, an old XXXX account ( not the new XXXX ). And XXXX or XXXX other ones. I think the total is XXXX accounts that are supposed to not be on there and I 've asked numerous times for them to remove them without any luck. 
Please can you assist me in having them remove this from my report? 
Thanks XXXX
hello Today I was left a message at my cell voice mail to contact by XXXX XXXX at XXXX calling from law office due to non compliance I be serve with summit of complain by my local Sheriff at my local county .will demand court appearance? 
I call back the XXXX and spoke with XXXX XXXX who very rude will not answer my question on how the got my number .I ask for the law office name again but he refused to provide name. He also threat me to serve me at my work .He stated he was representing Ace Cash and I need to a pay my debt. I contact my local Ace cash at XXXX spoke with XXXX ; related the call and she advice to call XXXX or XXXX, I call XXXX an as I try to get information from agent she just wanted to know when I 'm going to paid my debt as i ask her about my call from XXXX XXXX she told me to stop interrupting and disconnected the call. 

We had multiple unforeseen family emergency 's and i have not been able to paid this debt but, feel i was not treated fair. 
Please help.
I have opened my XXXX card after talking to XXXX marketing rep in XX/XX/XXXX. I was told that I will get XXXX  points as a welcome bonus. Again calling multiple times was told will get my points in XX/XX/XXXX billing statement. The rep even told me that you are eligible after 3 years as I had this card before. She insisted if I spend {$5000.00} then they will offer me another XXXX points, in total XXXX points. When called in XX/XX/XXXX they stated i am ineligible as i had the card in the past. I explained my situation and they promise to investigate and compensate me but till date after 4 weeks there is no resolution. I felt this is a shady business practice to lure customers and have them spend money. They only told me after 4 months of XXXX money spent. The company made its profit by getting the spending and through interest. So far I paid about {$500.00} in interests. I have called them several times and they still say that they are investigating the call details. If I was not misguided by customer relations I could have opened other competitive hotel cards which would have rewarded me welcome bonus. Talking to customer service is like asking for their kidney, they are unable to accept their own customer agents mistake and honor my points. I would not recommend anybody for this card.
XXXX XXXX XXXX XXXX XXXX was deleted from my Equifax Credit Report on XXXX 2016. I checked my XXXX XXXX reports and those XXXX accounts are reporting once again. This is a back and forth problem with the credit agencis it should be some kind of rules and regulations.
XXXX XXXX 2017, XXXX pst I received a call from XXXX, the representative would not give me his name when I asked who was calling, he aggressively asked my name, I asked what company he was calling multiple times he finallly answered XXXX, I stated I am not familiar with this company, and due to his aggressive nature I ended the call. I believe that this fraudulently attempt to collect, is stemming from an incident where XXXX XXXX XXXX filed a fraudulent insurance claim against me with XXXX XXXX XXXX-17 my Insurance Company, XXXX denied the claim as I was Not involved and Not judged at fault for the incident and XXXX denied the claim. I have not received any legal letters of debt validation from XXXX XXXX or calls emails or any other communications. Whatever the case may be, I will seek legal council regarding the many fraudulent practices of XXXX, Inc. the collection agency involved and supposed debtor XXXX XXXX XXXX in this illegal activity. <P/>XXXX, Inc. XXXX XXXX XXXX, XXXX IL, XXXX.
I am a single, elderly, minority woman in bankruptcy! Wells Fargo illegally Filed a Motion to Lift the stay in my bankruptcy case! I am protected under bankruptcy court and I am making payments to them every month because they said they would work with me. Now they are trying to take my protection away and foreclose on my house! This needs to be stopped immediately! They never sent me a copy of this Motion and my attorney just received it today. The hearing is set for tomorrow! They need to be shut down for their illegal practices. 
I do not have a copy of the motion to attach as I never received it and just got a call from my attorney about it. 
XXXX XXXX is about to hit us and I do n't need anymore stress!
My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.
I am filing a complaint in regards to the recent Equifax security breach -- according to the Equifax impact inquiry site ( XXXX XXXX XXXX ), checking my information indicates a strong likelihood that I was impacted and that my information was compromised. 

Equifax did NOT contact me about their security breach, and took no measures to alert me about my information being compromised, despite having it on their record and having access to my contact information. Issuing a national press release is not an acceptable substitution.
XXXX XXXX card has not updated my balance which is XXXX $ with the credit bureaus.
XXXX XXXX XXXX granted me two -- -three month deferrals on my payments due to Hurricane IRMA.THE DEFERRAL WERE FOR XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. A PAYMENT WAS MADE IN XXXX AS REQUIRED. XXXX is current reporting a past due amount of {$1600.00}. I disagree with this late fee. 

INTEREST AND LATE FEES WERE SUPPOSE TO BE WAIVED ALSO. The interest amount of {$3400.00} was not waived. The interest and principal was added to the balance as a balloon along with the principal. The late fees of {$350.00} were eventually waived as promised. 

XXXX is currently reporting a Balloon Payment amount of {$10000.00}. This incorrect also. the amount should be ( {$10000.00} -- {$3400.00} ). 

I have been in contact with XXXX since XXXX concerning this issue. I m called from the collection department and they are not aware of the IRMA deferral. No one at the bank seems to know what was agreed to and how to solve the problem.
In  XX/XX/XXXX    we notified  XXXX   XXXX   XXXX  in  XXXX ,  XXXX  that we were moving and they scheduled to pick up their trash can. We moved to   XXXX   XXXX   and  XXXX  failed to pick up the trash container.  XXXX  then billed us for the container {$70.00}. We contacted  XXXX  and they filed a lost/stolen container report and assured us they would not collect any further. A couple months later, we received another bill for {$70.00}. We contacted  XXXX  and they filed another lost/stolen container report. They then turned the account over to Collections. The  Collection Service will not cancel the debt as they claim it is valid. The Collection Company is Coast To Coast Financial
XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX 

XXXX XXXX
Company has not made an attempt to collect this debt prior to placing it for collections and having a negative impact on my credit report.
Great Lakes keeps adding balances and subtracting balances from my account. this is adversely affecting my credit score! Iam in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and i was not able to be notified i was out of forbearance. I respectively ask that the lates from XXXX be removed and set current. As soon as i contacted Great Lakes my loan was put back in forbearance. Also, I want all loans older than 7yrs off my credit report, as that is more than the SOl for my state. I need this done ASAP, as Great Lakes is doing illegal collecting and reporting practices.
I was not denied credit. Instead, I was offered credit at less favorable terms. When I inquired as to what credit reporting agencies were used, what the actual terms were, and where my risk based pricing notice were, I was told the grantor refused to provide any of it, and I must go to a third party dealer for the information.