WillisBack/dataset-financial-user-claim huggingface dataset:
Ive contacted equifax about two large collections on my account since they've been on there. 

I did the foot work since equifax would not probably dispute it. I asked for validation of these debts from XXXX XXXX XXXX ( originally from XXXX XXXX XXXX ). They sent a lease back with SOMEONE ELSES NAME ON IT. 

My name is no where on it and they insist it's mine and ITS NOT. Clearly I'm a victim of identity theft and ive pleaded with this company to delete these has they have Hendered me in so many ways. 

As a victim of identity theft XXXX fee hopeless and equifax has made me feel like my credit is nothing by not acting in the proper way. 

I'm attaching a copy of the lease to prove it's not my debt.
I paid my balance in full to the client on XXXX/XXXX/2015. I received a letter on XX/XX/2015 stating if I did not pay they would suspend my license, or garnish my wages. The letter also stated I owed the balance in full as of the date of the letter. The letter was dated XXXX/XXXX/15.
Portfolio account # XXXX. I have contacted Portfolio recovery associates several times attempting to figure out why they list a collection debt of a credit card not even showing on my report? 

I have mailed twice ( XX/XX/XXXX and XX/XX/XXXX ) asking who this debt belongs to as I have no XXXX XXXX on any bureau and do not know who portfolio recovery associates are. 

I have also disputed this with all 3 credit bureaus. I have asked to see original signed documents of the debt I owe PRA and a contract or something with my identity. The name they even have on their letterhead and billing is incorrect. I have yet to receive anything other than a statement from XXXX? I need to know who and what is going on. A statement ( s ) with not even my name proves nothing to me. 

I never did business with this company. I do not owe them any money as I never signed for a credit card, have business, or a contract with them. 

They are refusing to remove this account from all three credit reporting bureaus. I am appalled that anyone can claim to be you and report repeatedly information that isn't even correct.
The payment system Fay Servicing has put in place charged me {$400.00} more. When I called them today ( XXXX/XXXX/2015 ), they said it does it automatically and said I have to set a different amount when paying over the phone. I told them that I had been paying using the phone for almost a year and the system never did charge more than what is stipulated on the payment ( {$2600.00} ). The account manager said she is going to get back to me and never did.
On XX/XX/2019 I walked into TD bank in XXXX XXXX to withdraw my money that was deposited and cleared long ago. XXXX the Manager refused to give me my money because she said it was to big of an amount. She the. Said she could give me a couple of hundred dollars however I needed much more to pay my rent. She told me because she could not verify me even though I had my liscense that she wouldnt give me my own money.
Hello, I have private student loans with XXXX XXXX XXXX managed by Great Lakes. On XX/XX/2018 I logged into my account with Great Lakes to check on the status of my student loans. When I clicked on account details and scrolled to the bottom where it states " Loans in this Account '', I noticed that my interest rates on the student loans had risen. I was never notified that my student loan interest rates had risen. I even checked my message center with Great Lakes to see if notification was sent, and there was no information letting me know my rates had risen. Before I go further let me go back into my history with Great Lakes to better understand the situation at hand. 
I filed a complaint with CFPB about a year ago against Great Lakes because I noticed that on their website my interest rates had risen and was curious as to why. After talking with several employees in management at Great Lakes I found out that my student loans were variable. My only problem with this information was that the Great Lakes website shared no knowledge to their borrowers that their student loans were fixed or variable. Since I filled this complaint with CFPB you will know see that Great lakes have simply add the word " variable '' next to the rate under " Loans in this Account ''. 
Getting back to my point on the matter at hand. Great Lakes does not supply information or alerts to their borrowers when the interest rates on the borrowers student loans have risen. The only way to find out would be to login, and discover that your payments for several months have been going further to interest. This information is vital and should be shared with borrowers so that they can make the decision to refinance to lower rates if need be. By Great Lakes not telling it's borrowers about rates rising on student loans, they are defrauding borrowers accounts and reaping the rewards. 
Student loan information should be easy accessible and not hidden. My request is to have Great Lakes send alerts by email, message center, or postage mail to borrowers when it's interest rates have risen.
I called Experian yesterday to submit a dispute regarding the inquiries that are present on my Experian report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Experian to investigate the inquiries present on my report that I did not authorize.
I was told by XXXX that, I have house which is n't true,. I applied for apartment and I was denied due to inaccurate information, of credit reports. Also inaccurate residential verification.
Went to Chase bank to send {$1900.00} to the XXXX. Asked to wire and was charged {$50.00} for wiring, was done today XX/XX/XXXX. Now reading the small letters the officer did not tell me that the money will be available in the XXXX on XX/XX/XXXX, and that there may be charges by the bank in the XXXX ... 
How come wiring takes 8 days and was not told about it? So Chase bank uses the money for 7 days? very sad non professional practice by the bank
I am a cosigner for my daughter, got hurt at work and XXXX. I had called and pleaded to work something out, filed bankruptcy, to no answer or help from Naviant. The most frustrating part was each time I/we called we would get a different answer, or a possible way to postpone payments.One said I could get off cosigner list if I filed bankruptcy. I was told It was taken care of.only to get calls again after bankruptcy was done. I still am not sure what actually happened. I do know Naviant didnt object to courts during the time frame before case was done.This has cause so much XXXX to me, I can never regain my XXXX.I would love nothing better than to have income to help my daughter pay these off. I just ca n't since injury on job.
So I 've received the completed report Experian has done : Report # XXXX. All of the items that were on my complaint claims they have been verified and updated. Experian reports that I 've filed bankruptcy in XX/XX/XXXX, but that date is incorrect. please have experian update with U.S. BKPT CT GA XXXX # XXXX to find out the correct information if not they need to delete. Please have the bankruptcy court provide verified proof that I filed and has the original contract with my signature. XXXX XXXX bank : Acct # XXXX has updated the information on my report but has provided the incorrect information. the account history stating they have added this to my chapter XXXX bankruptcy on XX/XX/XXXX is incorrect. XXXX XXXX : Acct # XXXX has updated the information on my report but has provided the incorrect information. the account history stating they have added this to my chapter XXXX bankruptcy on XX/XX/XXXX is incorrect. XXXX : Acct # XXXX navient has updated the information but its still showing incorrect. the recent balance is incorrect, the monthly payment is incorrect, date opened is incorrect, the credit limit or original balance is incorrect. XXXX XXXX XXXX : # XXXX this account was never included in a bankruptcy. please provided documented proof. I never received any proof from this company but experian continues to validate this debt. XXXX XXXX : Acct # XXXX has update my credit report but has continuously ignored my request to provide my original contract with my signature on it. XXXX XXXX XXXX XXXX : Acct # XXXX has updated my account but this item has been consolidated with Navient on acct # XXXX. this item should not be showing on my credit. its showing a duplicate reporting. the credit balance is also wrong. Also experian failed to verify this information with this company since in the comments it shows this item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX : acct # XXXX this account has updated but with all the wrong information. the credit limit is wrong or original amount is wrong, the recent balance is wrong, the terms is wrong, Also experian failed to verify this information with this company since in the comments it shows this item was updated from our processing of your dispute in XX/XX/XXXX. XXXX : acct # XXXX has update my credit report but has continuously ignored my request to provide my original contract with my signature on it. Experian has failed to verify this information accurately with these companies. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
On XX/XX/2018 I went and checked my credit scores using XXXX. There was a auto loan refinance prequalification page to see what better rates I could get. I filled mostly the information about the vehicle and continued. I was not able to get any estimates on the vehicle as they were having technical difficulties. After closing out of the website I noticed a hard pull alert on my credit profile from " CarFinance ''. I never applied for any of the companies they recommended which is why I'm sending this complaint. I did not give this company my full social security number, Written or Electronic authorization to pull my credit report, nor was I aware of a hard pull during the process. This was only to be a pre qualification which is suppose to be a soft pull at best. I've gone through other credit reporting prequalifications before and I've never had a hard pull initiated.
We received a XXXX package from Lakeview Loan servicing that states the servicing of our mortgage loan was transferred this past year to Lakeview Loan servicing from our former lender. That is a false statement and deceptive advertising to offer us a refinancing with Lakeview. This sent us into a panic as we never received any notice or documentation from them or our current lender that it was transferred and we had just made our monthly payment to our current lender. See attached documentation.
I opened an account with BBVA Compass to get the promotional offer and since I 'm an employee. Into about the third week of having the card it was continuously declined. I called customer service to see what was going on and when my bill was due. I was told the bill had been mailed on XX/XX/XXXX and that day was XX/XX/XXXX. Around XX/XX/XXXX I realized I never received the statement. Come to find out I was told by someone in the fraud department my social was being used by a man in California. I went straight to ordering my credit report but after some thought about what they advised this could not have been correct since I had opened another account with another company since then with no problem. I requested for my account to be closed around XX/XX/XXXX and was advised the amount I owed. They said the statement should be arriving soon. The following week when I tried to set up an online account to just pay the bill online I kept receiving an error that my zip code was incorrect. After some thought I realized BBVA Compass must have either combined my account with someone else or went in and changed my information to an address in California and this is why I was previously told my social had been used by another person. I spoke again to the fraud department and they stated they reopened my account. I advised them I only wanted to make sure the bill was paid in time before I incurred any late fees or penalties. I was informed of the amount owed and was told I could sent the payment thru inter office if I wanted my payment expedited. Before I make a payment I would also like to be aware of what I am paying and not just send money to a company who changing my account information without my permission. I was also told my account would be updated with my correct address. This was the Monday before XXXX and I just checked again on XX/XX/XXXX and I still can not create an account. It is near impossible to get a hold of the correct person on the phone or even just speak to someone in a timely manner. My husband and I plan to start looking for a house within the year and have been monitoring my credit. I would like to receive a statement prior to making a payment and then close my account. I would also like to file a complaint as well for the actions that have been taken on my account. Please advise.
BYL COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX, PA has reported a debt on my XXXX credit report. I have never heard of this company and they have never contacted me. I believe this is a fraudulent report.
I pulled a copy of my Experian Credit report XX/XX/XXXX. The report showed numerous inaccurate and false information. I have tried to contact Experian by writing them a letter via XXXX certified mail which they received and they responded with a letter stating that they believed I did not write the letter and that I had to call in. I called into Experian on XX/XX/ and spoke with a representative named XXXX. I advised her that the report showed a " Chapter XXXX bankruptcy dismissal filed with US Bankruptcy court in XXXX, LA. '' I told her that this was not my bankruptcy and I have researched the information. I contacted the US Bankruptcy Court and spoke with the clerk of the court. She mailed me a letter stating that the bankruptcy courts do not verify bankruptcies with third parties, third party reporting agencies or credit reporting agencies. She said that the US Bankruptcy court did not provide the information to Experian to place in on my credit file with Experian. I called XXXX XXXX and suppressed and frozed my file with them until they are able to correct this information as well. Per Experian, they are the ones who verified my bankruptcy and provided Experian with the information about the bankruptcy. I called Experian and told them that I was disputing the information and that the only way for them to verify the bankruptcy is to physically go to the US Bankruptcy court in XXXX, LA and verify. Since they are not able to verify my bankruptcy, they are required to remove it from their credit file but they are refusing to do so and continue to say they have verified the information. They have not verified the information and are violating my rights under the Fair Reporting Act by not removing unverified, false information from my credit file. I have a letter from the court showing they do not verify to third parties and I also have my letters from XXXX XXXX, XXXX XXXX, XXXX, and other smaller agencies whom Experian may verify through but all these companies I have frozen and suppressed my file with their companies which does not allow them to release my information to Credit reporting agencies. Also, I disputed previously on numerous inquiries which I did authorize on my credit file and Experian refused to remove them. I told them that I did not authorize them and they told me to contact each party who pulled my file. I called the companies and they said that Experian would have to remove them.
id theft victim report enclosed to police and id theft gov violates cra inaccurate information must be removed
There are XXXX accounts that affecting my credit report ( XXXX- XXXX ) 1-XXXX and 2 ) XXXX both destroy my credit report without reason. 1 ) XXXX the account was n't mine and is already paid by the owner of the account. 2 ) XXXX XXXX XXXX reported my account as deleted and turn my credit report down XXXX more points. I was not aware of because my credit was excellent and I found out when trying to refinance my home and it was denied because information received from the XXXX credit bureaus. On XXXX I do n't owe them any money, it was paid off when I refinance previously and I 've contacted both the store and the bank for more than 7 months and nothing is done but destroy my credit without a reason. I 'm sendind copies of all documentation to this matter. Please help me to solve this problem because I need to refinance my home to pay all debts I have and start clean of debts. I take care of my sister who is suffering from XXXX and I 'm XXXX and this is the only source of survive besides our XXXX checks. COPIES OF ALL RECORDS ATTACHED. Tanking you in advance for you prompt attention to this matter and the help you can give. XXXX XXXX phone XXXX
First they tried hitting our bank account too many times but thankfully our bank stopped it from unlimited withdrawals. Then we entered into a payment arrangement with them and they were taking {$200.00} out every month for many months now. But today " XXXX '' called me at work and tried to tell me I 'm 2 months behind ( our last payment was on XXXX XXXX. Today is XXXX XXXX. How is that 2 months behind? ) so I told her to just start up payments again and she insisted that the only way to start it was to put {$400.00} down today or they were going to garnish my wages. Why??? We are n't late!!!! They also have " Miscellaneous '' charges listed for us and have yet to tell us what they 're for. And finally, we have not received monthly bills showing our payments, how they 're being applied and our new balance. 
So after she hung up on me at work today, I had my husband call her and they managed to bully him into making even higher monthly payments than we were already making! By $ XXXX/month! Why? Our bill is lower from our repeated payments and we were n't late so why did it go up? This is a hardship for our family! My husband is on Social Security ... We have XXXX kids still at home and we are struggling to make ends meet. We were trying to get this debt paid and yet they insist on getting more money out us! Our bank records will show the monthly automatic withdrawals. This is just not right!
I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, Transunion, and XXXX credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
I have 2 XXXX XXXX XXXX credit its closed but the reason is CONSUMER DECEASED.i was pay off and no balance.
I have called XXXX and TransUnion to correct my credit report. XXXX seems to have got it right. However, I have called TransUnion twice and also written a letter to their CEO to complain about one of their supposed supervisors whose attitude was deplorable and after spending an hour on the phone twice with TransUnion they still have things on my credit report that should have been removed. There are duplicates and the second person did not change one thing that I told her to. She was obnoxious and did not do her job and I am now reporting them for fraud as they continue to not correct the problems on my credit report. They have lowered my score since talking with this supervisor because they did not correct and they added an additional bankruptcy after I have worked very hard to improve my credit score and have done so with the exception of TransUnion. And they apparently did it with the blessing of their CEO. I want this investigated because after my husbands brain injury we have both successfully brought up our credit score and TransUnion has duplicates and has added another bankruptcy and their has been no such occurrence. I 'm sick and tired of the poor oversight on these agencies and with XXXX their is no actual phone number unless you pay for and get your hard copy report and then then they give you a number to call. This needs to be investigated. They have my husbands credit on mine and mine on his. And they have credit that was released in bankruptcy and should no longer be on my report. And they have accounts on their twice in a number of instances. I want them to contact me and we must get this score where it should be. The other agencies have, so what is their problem. And I want the CEO checked out to because he knows it has not been corrected and because he may know this person is allowing the corrections to not be made.
RECEIVED FOLLOWING 3 BUREAU CREDIT REPORT MONITORING ALERT. I Called Contract callers and advised the following : 1. They ( Contract Callers ) received a referral from XXXX XXXX in XXXX Illinois of a XX/XX/XXXXbill/balance due of {$54.00}. Contract Callers had sent a letter to my attention at an address in XXXX, Illinois and it was returned. I reside in Massachusetts. Contract Callers then placed a Collection Notice on my credit report. I was told to contact the Fraud Bureau of XXXX XXXX and Contract Callers could not resolve this. I had made contact with the utility company back in XX/XX/XXXX and had previously reported with all agencies of my identity being stolen. I had filed a report with my local ( XXXX, MA Police department as well as XXXX, Illinois Police Department. This has yet to have been resolved after 2 years of continued issue. 

XXXX - NewTrade Alert Date XX/XX/XXXX Alert Type New Account AccountNumber XXXX Creditor Name CONTRACT CALLERS INC Industry Type Other Collection Agencies Address CONTRACT CALLERS INC. CCI XXXX XXXX XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State GA Phone N/A Amount Delinquent N/A Account Balance 54 Payment Status Collection/Chargeoff Creditor Preferred Contact Other Consumer Statement Placed for collection
USA Discounters has illegally obtained a judgement against me in XXXX when the debt was made in XXXX. I was never notified of this civil claim and had no knowledge it existed until the XXXX County Sheriff 's department attempted to place a levy on me. I did not own any property so there was nothing to levy. This company forced me into a Chapter XXXX in 2009 because of their bully collections tactics. They called my job and harassed me by phone several times a day. I included them in the Chapter XXXX and they were paid 1/2 of the {$5000.00} they claimed I owed. Now they are pursuing a judgment, that is illegally obtained for {$10000.00} that I do not owe.
I 'm a victim of the breech and also been a victim of identity theft before the breech. I need these hard inquires removed because I have no knowledge of these. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have fraud alerts on all my reports due to this. 

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