WillisBack/dataset-financial-user-claim huggingface dataset:
Background : a verification specialist at identityguard advised me last week that for social security number XXXX XXXX XXXX ( which I have understood since XXXX to be my social security number ) the 2 main credit rating agencies -- XXXX and XXXX -- have the name XXXX XXXX as the name associated with that social security number. 
The identityguard verification specialist advised me last week that the 3rd credit rating agency, Experian, has a name OTHER THAN XXXX XXXX. XXXX associated with that social security number. 
* * * When I seek to go on experian 's website, or call its toll free number, it asks me to identify myself : I provide my social security number ( XXXX XXXX XXXX ), but when I give my name -- XXXX XXXX. XXXX -- which to the best of my knowledge and belief ( and that of XXXX and XXXX ) is associated with that social security number, the Experian system says it does not recognize me ( understandable if they have another name associated with that social security number! ), and ends my effort to communicate with them. 
Seems like the perfect 'closed loop ' to keep Experian from ever resolving this problem ( I know I could send a message to experian to a P.O. Box by 'snail mail ', but I very rarely use the U.S. mail any more : I do virtually all of my interactions using my cell 'phone and my P.C. ) : hopefully, you can use your good offices to get them to check with XXXX and XXXX, and if they have no particular reason to hold on to the different name they have associated with my social security number, hopefully they will correct their file to be in conformity with what XXXX and XXXX have! 
* * * Thanks very much for your help in this, and bringing this to Experian 's attention for their consideration. 
With appreciation, XXXX XXXX. XXXX ( d.o.b. XX/XX/XXXX ), who believes his social security number is -- in fact -- XXXX XXXX XXXX.
On XXXX XXXX, XXXX I was contacted by a person saying she was informing me of legal action being taken against me. She informed me I had to call XXXX immediately as they would only try to call me twice before taking me to court. 
I called and was directed to Renew Financial. I asked if this was a collection agency as they gave the impression they were a law office. The woman who answered would n't address that and passed me onto another person who immediately asked why I had n't paid my debt and told me I am being taken to court and sued. I was told I should be receiving my summons for court if I had n't already. I informed them I had no knowledge of this debt or any suite and had received no legal documents. I was told they had sent me information on this. 
I informed them that I have not received anything and I have no money as I am in XXXX, they told me they knew my finances and that I could pay. I told them I live on {$700.00} a month and once again that this was not my debt as I have never had a land line phone in my name and only ever had a cell phone. I was told I would be responsible for all court costs from being sued and that the judge would never believe this was n't my debt as it was tied to my social security number. 
I was badgered until handed over my debit card information to stop them from suing me. 
Later I looked into it, and even though this is a fraudulent charge, I saw that they can not threaten to sue me for a time-barred debt. Whoever was paying XXXX stopped 8.5 years ago in XXXX XXXX and I read the statute of limitations is 6 years in TN. 
I did call back and inform a different person again that this was not my debt and that I could n't pay anyways. This person told me that was fine to send in proof of a police report. 
I am mainly angry and upset over the badgering and threats of a lawsuit even when I told them this was n't my debt and especially since their whole tactic is based on the lie that they are taking you to court, that you will be responsible for all court costs and especially that a judge would never believe me, even though this is a time-barred debt. I feel they must be threating others with lawsuits as well as I could hear others saying similar things in the background.
I have been in the PSLF program for some time. I have made all payments as required, always certified employment on time and correctly, followed the servicers advice, and been in a qualifying IDR plan since entering the PSLF program. However, the servicer claims I have made different numbers of qualifying payments on my various loans, and their customer service representatives have been unable to explain why the numbers of payments are not the same on all loans. 

Furthermore, I submitted employment certification inXX/XX/2017, nearly a year ago, and the numbers of PSLF qualifying payments showing on my monthly bills have yet to be updated. Customer service can only say that they are still processing it. 

Finally, I was placed into an administrative forbearance when I entered the PSLF program because, according to the PSLF servicer, my previous servicer had given them incomplete or incorrect information about my loans and that was the only way to resolve the issue. I made payments during this forbearance, but the PLSF servicer still capitalized to principal all interest that had accrued during my forbearance. They refused to reverse this action although I protested that it was unfair.
My former name was XXXX XXXX XXXX. I changed my name to XXXX XXXX XXXX XXXX since I changed my name, my credit scores is not correct, its too low before it was excellent. 
Now I send to you with my attach officially name change document.
My complaint, ( TransUnion ) What they say & what they do. 
Unfair credit scoring. No reason on reduce scoring point. 
Report wrong information to companies. Report of public record to XXXX, when I have NO XXXX Record on my file. Keep collection record on my file that are PAID OFF + interest. 
creditor requested, All References be Remove from my record. This MATTER & my Personal information has LONG HISTORY from ( 2013 to present.
I received a notice in the mail, dated XXXX XXXX, XXXX, from Wells Fargo Home Mortgage stating that I had a escrow account shortage of {$4900.00}. My mail was being held by the post office, so I did not get the mail notice until today, XXXX XXXX, XXXX. The shortage was caused, allegedly, by Wells Fargo buying home owners insurance due to a cancellation of my policy. In fact, a cancellation notice had been sent due to a late payment. Full payment was made and a reinstatement notice was sent. Wells Fargo claims it never got the reinstatement notice. My insurance broker stated that if Wells Fargo got the cancellation notice, it got the reinstatement notice, Wells Fargo 's attempt to get {$4900.00} from our mortgage account is the result of gross negligence or a deliberate attempt to bill for unneeded insurance..
This problem is not about a loan I have. I am being harassed by Sallie Mae about my niece 's loan. I am not even a co-signer on it. 

XX/XX/XXXX- I was called by a representative named XXXX XXXX from Sallie Mae . Apparently, when my niece first applied for a college loan in XXXX, she put my name down as a reference. She is having trouble paying right now because she recently had a XXXX XXXX XXXX XXXX XXXX, and is only working part time. So, because my niece put my name down as a reference 10 years ago, these people called me because my niece won't answer her phone. I called them back the same day to complain and I told them not to ever call me again, that they have my niece 's contact information, and I can't make her answer the phone or call. They assured me I would not be bothered again. 

XX/XX/XXXX XXXX - There was a voice mail message on my phone from someone at Sallie Mae. I could not hear the name, but I believe she said her agent number was XXXX. She said her extension is XXXX. Again, she was saying she needs to talk to my niece and wants me to call her back immediately, and wants me to do anything I can to get my niece to return the call. 

I am not getting into my niece 's business and she isn't going to listen to me. I've told my niece to stop avoiding the calls, I can't do anything else. I have enough to do in my own life to help these Sallie Mae people. My husband and I have two elderly mothers and his XXXX sister to care for right now, and I work full time at a very demanding job. I am furious that they called me again after I told them already that I am not going to get involved and they assured me I would get no more phone calls.
asset acceptance llc had a police officer come to my house to take my vehicle or pay $ XXXX.for a dept that was from 2001, they said it was for a XXXX, i then told the officer i had the money and to contact asset acceptance to make sure this was all i owed, asset acceptance said there were XXXX case numbers but if i paid the full amount $ XXXX.that would take care of both case numbers.two weeks later i recieved satisfied judgements for both case numbers just like they said.well a couple of months later i recieved a notice that they made a error and that XXXX satisfied judgement was no good.they never answer my questions about what dept is owed on each case number, ive had an attorney write a letter asking for varifacation of dept with no responce.please help ... ..they are still taking my state income tax.
I have had a Walmart Credit Card for over 8 years. I pay off my monthly charges on the due date. XXXX it was Walmart Credit Card, and XXXX changed it to a Discover Card, and then late last year XXXX changed it to XXXX Bank Master Card. For the XXXX time I made a mistake on my balance, but was not past due. My XXXX Statement Balance due was {$2100.00}. I then made XXXX payments via XXXX returns of {$1900.00}, {$5.00} & {$39.00} totaling {$2000.00}, leaving a balance of XXXX. I had discovered this error last night and called today and made the {$81.00} balance payment online ; however, the credits more than covered the minimum payment. The error I made was log {$81.00} as a credit in my payment schedule instead of a debit. XXXX Bank had already charged me a {$25.00} late fee & XXXX interest charge for the {$81.00}. I then called XXXX and my late fee and interest charges were reversed. I just called XXXX bank to tell them of their unfair practices ; however, they hang up on me without speaking to me. When they do n't want to listen to complaints, their system becomes totally automated, and they wo n't even answer the phone. Thus, I have been flagged. In addition, I tried to make a purchase online, but the credit card is blocked from making any purchases, just because of their assumption that I am past due 15 days due to an honest XXXX mistake ; when I always payoff my monthly balance, but my credits more than paid off the minimum payment this month. My other dozen credit lines do not do this. They tell me if I have a credit from the last statement purchase, that it also counts as a current payment. and even though I only had a balance of {$81.00} due that I already made, but it really was not past due. XXXX Bank 's convoluted and unfair practice policies, tells me that the credits do n't count as a payment, but yet, my balance was reduced from {$2100.00} to {$81.00}. And then the interested should had been {$1.00} on {$81.00}, not {$12.00}. This bank is like a foreign bank, and it use to be GE Capital Retail Bank. I am outraged, that my credit card was blocked and that XXXX bank and XXXX is assuming I am past due, when I am not. More and more, XXXX 's bad business practice, bad customer service practice keeps getting worse. I do n't know what they get out of unfair practices leading to the loss of customers. I certainly do n't need to use these credit card when I have other dozen credit cards and credit lines. But as a CPA I do n't appreciate of my credit rights violated or unfair credit card practices. The are such illusive polyarchists that they do n't even have the integrity to publish their address on line. Thus, they do n't even care about their customers.
On   XXXX   XXXX   I did a pay to delete letter with ERC they cashed the check but the deal to cash the check was to delete from all credit bureaus since the debt was n't mine. They cashed the check and did n't uphold they end of the bargain
I was trying to pay my student loan with Navients automated system. It would not let me pay what I wanted to pay it put in {$1000.00} payment to come out of my account. Is it legal for them to put the amount in for you automatically??? What can I do??? Who can I complain to about their tactics.
This company who I have previously filed a complaint against has absolutely NO CONTRACT with me. I 've never received a notice in the mail, a phone call, or an email in regards to the debt that 's being reported against m y SSN.  Before my initial complaint was filed, no one from the company has ever attempted to contact AT ALL. The only way I knew of the debt is because I recently received copies of my credit report from  XXXX ,  XXXX , and   XXXX  .
XXXX XXXX XXXX is reporting a collection for XXXX in the amount of {$190.00} that I do not owe because they have failed to validate it per the FDCPA. I have disputed it so many times nad nothing.
My wife and co-borrower, wrote a check against our home equity line of credit to pay a credit card. HSBC returned the check unpaid and indicated that she was an unauthorized borrower. After calling HSBC customer service twice, they then said that the signatures did not match. I then ask them to provide proof by requesting a copy of the returned check and the signature card but HSBC had the audacity to charge me a fee for this. I can not believe that they want to charge me a fee for their mistake. I have since been charged {$30.00} by HSBC for a returned check fee. My credit card company also charged me {$30.00} for a returned check fee and almost {$15.00} in interest for the period between the due date and the date I paid with another check. It is unacceptable for a bank to be unwilling to provide a copy of your own signature to verify that they have a correct signature on file. I also requested that they mail me new signature cards - which they have failed to do.
I applied a Capitalone Venture One Credit card on XXXX XXXX, 2015. Before i applied, i chatted with Capital One 's online customer rep called XXXX for detailed information and benefits of this card on XXXX XXXX, 2015. During the chat, XXXX promised that I will first get XXXX miles reward if I spend {$1000.00} within 3 months and besides that another offer for XXXX rewards miles if i spend at least {$3000.00} within 3 months and he mentioned several times it is the benefits for Venture one credit card. Actually the link i used to apply for Venture One credit card was sent by XXXX and he offered me this XXXX bonus miles before I even asked for it. After the chat, I saved the chat history as a PDF proof. 

Now two months later, I have already spent more than {$3000.00}, and got the first offer of XXXX miles in my account but still have n't seen the second offer for XXXX miles so I contacted online customer rep to check if they can apply it. However, they refused the XXXX rewards miles offer and said it was just a miscommunication and ignores my online chat history as the proof. I continued to talk with customer rep supervisor XXXX but still got the same answer. I feel it is unfair that customer was told differently when tried to apply the card and after you got the card, Capital One changed their mind and refused to give you the original offer they provided, even though I have the proof of the original online chat offer history showing that I am eligible for the offer, so I would like to seek help to see anyone who can help me with this
this debt XXXX XXXX XXXX was in bankruptcy XX/XX/XXXX. Per XXXX and XXXX they both show this to be XXXX balance and filed in bkruptcy,,, Equifax does not. Put in a dispute on XXXX XXXX with Equifax and then again to check on in XXXX XXXX, and then again to check in on XXXX XXXX. XXXX XXXX the girl said " XXXX '' said to send in documentation and will be resolved within XXXX hours. I did send it in on XX/XX/XXXX showing the bankruptcy papers and today I called in and no one would even speak to me. I being the wife of the account in dispute spoke to everyone since XX/XX/XXXX and today they do n't want to speak to me. All I want is this cleared if I sent in documentation for this and seeing that the other XXXX credit reports show it cleared as well. This should show XXXX balance and in bankruptcy. XXXX account was for XXXX Bank sent in as a dispute to state this is a XXXX balance. It shows as XXXX balance but Equifax is refusing to remove the dispute. On this XXXX the XXXX balance is correct it just needs the dispute information gone we are NOT disputing a XXXX balance account.
I XXXX XXXX primary residence at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX have lived her for 47 years. I inherited my property from my mom. The house went in your name in XXXX and had modification done in XXXX or XXXX. My mortgage payment including taxes and insurance was {$1200.00}. I was attacked by a XXXX student were I was working as a XXXX for XXXX XXXX XXXX. I had to go out on long term XXXX because of the attack and being diagnosed with XXXX, You notified my mortgage company for the loss of income. In XXXX I was diagnosed with XXXX. In XXXX taxes were due and the mortgage company fail to pay my real estate taxes and insurance. My taxes went up for sale and was purchased for {$10000.00} and the tax buyer now wants me to pay {$90000.00} for my home that is acquiring possession on XXXX XXXX. The mortgage company said they did not get any notice. However, my mortgage company had a responsibility to pay my taxes and fail to do so. I have a court date tomorrow and the mortgage company to be present to defend themselves of no notice to pay the outstanding taxes back to the tax buyer of {$10000.00} to avoid me loosing my home and paying {$90000.00} to buy my home back. 
I am trying to get a mortgage to purchase my home but need time. However, I could apply for another modification and avoid credit issue and start back paying my mortgage again now that I am now gainfully employed again and have been for a year now as a XXXX for a XXXX XXXX. I feel I am a target of mortgage fraud of loosing my home and have not being treated fairly. I have tried to work with the mortgage company and have not got any assistance. I got a letter from for tax buyer representing their title Mortgage Broker and Auctioneer. The company name is XXXX XXXX XXXX. Its very strange to me the lender did not pay my taxes when they was suppose to have paid them from my escrow account regardless of me being behind in my mortgage payments and my mortgage is still of record and has not been released and the foreclosure was dropped. I was denied a new modification program to reduce my payments when I became ill. Please assist
XXXX XXXX XXXX DBA Equifax and XXXX for {$530.00} form XXXX XXXX XXXX on XXXX XXXX2016 reported. I sent the dispute and I still have not received a reply. I have no clue what this charge is about. I 've been trying to resolve this issue for quite some time. 

Please let me as soon as possible
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information.
Someone fraudulently used my information snd/ or the misleading information derived from Equifax breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.
O n   XXXX   XXXX   XXXX   a QWR and NOE was faxed  over to the lender and the have failed to respond before the sale date. The have not provided proof of debt owed. A NOE with an active sale date was faxed over on   XX/XX/XXXX  a nd they have failed to move the sale date to allow the homeowner to have proof of debt owed and make arrangements. The have failed to allow a modification review.
My loan was sold to  Regions Mortgage. I received a threatening letter concerning the status on my insurance. The Regions insurance representative informed me that YOU at the CFPB write the letters and that they are the only letters that can be sent out. It is rude, grammatically incorrect and threatening.
My credit score with Equifax is XXXX points different than my scores with the other bureaus, a situation that has persisted for the last two years, and I suspect there is some technical problem ( like a computer problem, or something that needs to be " refreshed. " ). The result has been that creditors that use Equifax to evaluate my creditworthiness, including XXXX, have reduced my available credit ( XXXX and XXXX XXXX did this ), cancelled my account ( XXXX XXXX XXXX XXXX XXXX did this ) or denied me credit ( XXXX did this ). In turn, the reduction in credit ( called " chasing the balance '' ) makes it appear as though I have " maxed out '' my credit and hampers my score on all the credit bureaus. After extensive discussion with XXXX I was instructed by XXXX to contact Equifax and " dispute the score. '' Although I explained that I had never heard of " disputing a score '' XXXX customer service insisted that was the option I had. When I tried to do so Equifax customer service told me that 1 ) I can not dispute " the score, '' and 2 ) to contact XXXX and dispute the score with them internally. Equifax customer service also repeatedly attempted to sell me credit monitoring in response to my concerns - but I explained to them that I already have two credit monitoring services and was trying to reconcile why I had such a major score discrepancy despite not seeing significant differences as among the various reporting  agencies. I followed up with XXXX and was told by customer service that I could dispute the score with XXXX but had to write a letter. I did so. But the reply I received made no sense. When I explained this to XXXX customer service I got the continuing proverbial " run around '' to contact Equifax. The reason I think there is a technical ( computer ) problem with my score calculation is evidenced by the " reasons '' that get listed on credit denials ( I am providing one as an example ). All the " reasons '' at Equifax have periodically changed the last two years except one - the last one that says " Time since oldest account opened is too recent. '' My oldest reporting ( and active account ) is XXXX XXXX XXXX and is from XX/XX/XXXX I repeatedly asked Equifax customer service why I was seeing this statement as a reason for negative credit decisions despite having an account reporting from XX/XX/XXXXand they could not provide an answer ( instead they kept suggesting credit monitoring ).