WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 at XXXX I recieved a call from Midland Credit ( XXXX ) XXXX. I was at work, so I ignored the call. They called me again at XXXX ( 2 minutes later ), I stepped away from my desk and answered the phone. They asked for my wife, XXXX XXXX, I asked the caller if she just called me, she said yes, I asked if she thought it was ok to do that, she did not answer. I've gotten calls regularly from this number, they ask for my wife XXXX XXXX, I tell them this is not her phone number, they proceed to ask for more information but I will not give them any info because they refuse to tell me what the call is regarding. I've asked them to stop calling me.
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my
credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, XXXX, and Transunion to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, XXXX, and TransUnion can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Equifax violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,  XX/XX/XXXX   ,  I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to Equifax disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. Equifax wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for Equifax to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was Equifax able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, Equifax also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of Equifax 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX
I purchased a home in XX/XX/XXXX with an FHA mortgage loan serviced by PNC Mortgage. The home was listed with a septic system. I paid for an appraisal and an inspection for home including septic system. In XX/XX/XXXX we listed the home for sale and accepted an offer. The new buyer requested we have the septic system pumped. We hired XXXX XXXX to come and pump septic tank. They snaked the septic line with a camera and found there to be no septic tank/system. What does exists is a sewer line that runs directly into a public water way. I contacted PNC who directed me to talk to FHA. FHA responded and explained that it was PNC duty to check permits with local health department. The County health department has no record of a septic permit for this property. Please see attached.
I received several calls from a local number to XXXX ( XXXX ) XXXX XXXX XXXX or XXXX XXXX. The latest call was on XXXX at XXXX XXXX MST. They were attempting to collect a debt from the XXXX XXXX XXXX for a medical bill that was paid sometime prior to XXXX. 
I have not lived in XXXX since XXXX or visited the XXXX XXXX XXXX XXXX since XXXX. 
When I asked the company name for which they were attempting to collect a debt they hung up. When I called back they told me it was for the XXXX XXXX XXXX XXXX threated to send me a subpoena to XXXX county court then hung up again. XXXX XXXX XXXX would not give me the date of the original debt, continued threats to send me a subpoena and hanging up. 
After 4 attempts to call back and speak with them, I gave up. 

I am disputing the fact that there is even a debt and if there was the debt would be 22 years old well  beyond the Statue of limitations for medical debt for XXXX ( 6 years XXXX Revised Statutes Title 13 S.80-103.5 ) and XXXX ( 6 years 78B-2-309 )
I only had XXXX medical bill that was sent to collections because I thought the insurance company paid it. I called the collection agency and paid the balance in full. They sent the info to XXXX and Equifax both that it was paid off, {$0.00} balance and account closed. XXXX is showing that it is paid off and closed, but Equifax refuses to show that. The collection agency changed names at one point. It was reported to XXXX under XXXX name and to Equifax under their previous name, but it clearly shows the same account number, amount, date, everything. Im trying to improve my credit and get my score above XXXX, and with equifax I am almost there. In the high XXXX 's with that collection account still showing.If they would fix it my score should come up. Also XXXX does not show my mortgage that Ive been paying for over 18 years, but Equifax does. My score with XXXX is always lower because of that.
This has been a reoccurring problem I have had with Chase. On XXXX XXXX, 2017 my credit was ran once again without my knowledge/permission with a fraudulent application. I spoke to Chase and they only removed the prior fraudulent inquires not this most recent one. This is now the 4th time someone has attempted to get a Chase/Amazon card in my name.
on XXXX I was contacted by a company by the name of XXXX XXXX XXXX XXXX ). XXXX XXXX had my debt information on An Ace Check Cash payday loan. She verified my personal information and all the information was correct. I setteled for XXXX. I was told that I would get an email confirming payment. I did not get one so I called them again. I also looked at my statement and found that a company by the name of XXXX XXXX deducted the XXXX. I called by prepaid card customer service and was told that it was XXXX XXXX in Ga. I have not been able to contact anyone at XXXX. I then call Ace Home office and they gave me the collection agency name and phone number. It was not XXXX. They still has my file and was told that XXXX ( XXXX ) ws a scam. I paid them XXXX and I ca n't recover it per ACE. Here is XXXX information AKA XXXX XXXX AKA XXXX AKA XXXX XXXX AKA XXXX XXXX, XXXX. 
Posted in : XXXX XXXX
I contacted Midwest Recovery Systems on the beginning of XXXX to resolve an old 10yr old debt of {$960.00}. The company advised me the debt was to be removed from my credit. The debt is still on my account, and Midwest Recovery will not respond to any further attempts to contact them.
My personal information was breached in both the FASFA breach and now the Equifax breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
On  X/XX/2017    I cent via certified mail a letter stating that I was disputing the debt that Credit International Corporation claimed that I owed. They received my letter on   XXXX   and signed for it. I have proof of delivery and signature in my possession. After they received my request to dispute the dept they made absolutely no attempt to verify the debt and they also failed to report to the credit reporting agencies that this item was being disputed within the  XXXX  day window. I received a new credit report on the  XXXX  day and it showed no reporting of the mentioned debt/account being disputed by consumer.     As per FC RA 623 ( a ) ( 3 ) - responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]   They have violated federal law and I have evidence of such, via certified mail receipts. They must removed the inaccurate information from my credit reports.
The Yorkshire Acquisition Group ( XXXX ) called my in laws looking for me and told them I was in big trouble and would be going to court, the same person called me anonymously and left me a voicemail threatening legal action. When I called, they told me I owed XXXX XXXX {$9800.00} and if I did n't pay today, they 'd be issuing a summons to appear. I 've never had an account with XXXX XXXX, none of my debt has ever been with XXXX XXXX, and I currently am paying on all accounts that I owe. This kind of shameful practice is disruptive & unfair. People should work for what they want, not scam hard working people.
" To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. '' To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 

Mortgage Servicing & Procedures & Lies : Suntrust concealing the time line when the borrower entered loss mitigation procedures in XXXX in order to justify the late fees that were charged, that the borrower was reported delinquent to the CRA 's during the trial & also in order to conceal the fact that after 6 month of processing XXXX the borrower was first approved ( XX/XX/XXXX/XX/XX/XXXX ) & than shortly thereafter borrower was denied for HAMP - borrower received NO denial Letter. 

Thereafter Suntrust did not apply any funds nor reinstated the loan until XXXX XXXX ( see CFPB case against Suntrust ). 

Constant false and fraudulent written statements by Suntrust XXXX XXXX XXXX from Suntrust stating in letter her letter that " fees were charged because borrower was delinquent entering trial period ''. ( see attached ) Proof XXXX Borrower was assigned a point of contact in XXXX XXXX ( see attached e-mail with point of contact information ) XXXX Borrower NOT delinquent entering loss mitigation in XXXX XXXX ( see attached receipts for the two months prior - No payments past due ) - XXXX XXXX ignores the evidence & continues to deny the fact that the borrower was current. 

XXXX XXXX will also refuses to acknowledge the LOST Paperwork & Faxes : Borrower provided proof that her original application was lost/misplaced, and that instead of receiving trial payments in XX/XX/XXXX as stated by loss mitigation - borrower was asked to re-submit - No trial payments could be conveyed in XX/XX/XXXX because application was lost/misplaced. 
XXXX Borrower had to re-submitted XXXX XXXX XXXX & again XXXX XXXX XXXX. ( see attached proof from SunTrust bank/ Fax logs ) XXXX The application for HAMP was submitted with verified-income ( all tax returns and all documents required in the borrowers package ).
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It was delivered to them on XX/XX/2018 at XXXX XXXX. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
An account which I previously owned with Discover Card has been closed since XXXX 2017. Following closure of the account, I received multiple telephone calls to both my home telephone and cell phone. In fact, I receive 6-8 calls in one day at my home, which equates to one call per hour during an 8-hour shift. 

Since Discover Card has received no response from me, its customer service has began calling my place of work. These telephone calls to my office have been very disruptive as well as embarrassing. Additionally, I did not authorize Discover Card to call my place of business or cell phone. 

I also sent written notification to Discover Card to cease and desist from all forms of communication with me. 

I stopped paying on the account due to illegal over the limit fees. There is no way that I could have incurred over the limit fees when I had not used the credit card in 6 months.
Transunion is reporting on my credit report with false information provided by XXXX XXXX for supposed creditor XXXX XXXX XXXX XXXX XXXX. This supposed unpaid medical bill showed up OVER 5 years after date of service. I have no outstanding medical debts with XXXX XXXX XXXX. I have had for over 20 years incredible medical insurance that has paid my medical bills. I have not received XXXX bill of a balance due and after having received nothing in OVER 5 years I find this debt to be fraudulent. I am not responsible for their faulty accounting records or inaccurately recording PAID debts. I want this immediately removed from my credit.
My wife and I have gotten ourselves into too much debt, and that is our responsibility, we understand that. We want to pay off our obligations rather than file Chapter XXXX so we are trying to do credit counseling. We received letters from Synchrony Bank on acceptance to the program, and am shocked at their rates. We are asking for help, not a write-off, and they responded with 26.99 % for JC Penney, 26.24 % for Amazon, 23.15 % for Walmart, and 15 % for Care credit. 

These rates are penalty rate high, not assistance. In comparison XXXX reduced the rate to 0.00 %, XXXX to 5.90 %, XXXX XXXX to 9.90 %. No one else is anywhere close to what you are charging. 

To my knowledge this program is meant to keep Americans out of Bankruptcy, banks actively solicit enrollment and in the paperwork, it even states the purpose is partially to make sure creditors are re-paid. We are fine with that, but these rates are almost Usary in situations like this.
I have a paid invoice which the merchant still has not been paid or the funds made available to the merchant. Now my invoice shows its paid but PayPal claims it was cancelled. so it should be in my PayPal balance but is not and never was. Nor was the invoice that says paid, paid.
My email account was hacked and I found money orders in my email box. It appears XXXX caught and blocked it, looks like western union sent money through. 

THIS IS FROM XXXX 'S XXXX : Money Transfer Receipt Dear XXXX XXXX, Thank you for using XXXX. We appreciate your business! 

XXXX must get approval from your bank before sending the money to your recipient. When the electronic withdrawal is complete, which may take from 1 to 4 business days, we will notify you by email and send your transfer to our partner for Cash Pickup. 

We will also give you specific pickup instructions that you will need to communicate to your recipient. 
To view the current status of your transaction, visit Track your transaction. 

For Customer Service, visit our Help Center or call XXXX. 

Transaction Details XXXX Tracking Number : XXXX Transaction Date : XXXX XXXX, 2017 XXXX XXXX PDT Date Available : XXXX XXXX, 2017 Central Standard Time - XXXX XXXX, XXXX Cash Pickup with : XXXX View Locations Amount Received : XXXX MXN Exchange Rate*:1 USD = 17.79 MXN Amount Sent : XXXX USD Transaction Fee : + XXXX USD Total Cost : XXXX USD *In addition to the transaction fee, XXXX also makes money when it changes your U.S. dollars into a different currency. XXXX rounds to the nearest whole peso. 

Recipient Information XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sender Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX United States HERE IS THE WESTERN UNION ONE : Dear XXXX XXXX, Please return to westernunion.com and enter the 4-digit PIN displayed below on the verification screen within the next 3 days. 
Your 4-digit verification PIN : XXXX If you have any questions, contact us at XXXXXXXXXXXX. Please DO NOT reply to this email. 




I am unaware what, if any, recourse is possible. I just wanted to pass along this issue with hopes it can be beneficial in combating fraud. 


XXXX XXXX XXXX
The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( which is reported a lot of times ! ) and Chapter XXXX Bankruptcy Discharged  XXXX
Financial credit network claims to be collecting on behalf of XXXX XXXX XXXX which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!
I AM RECEIVING A CALL I THINK IT IS IN REGARDS TO A STUDENT LOAN. I AM CURRENT WITH MY STUDENT LOAN DEBT, AND OF MY BILLS ARE CURRENT. BUT THIS COMPANY CALLED GC SERVICES CALLS ME EVERYDAY ...
On XXXX XXXX, 2015 I called Capital One Auto to get a settlement amount for the repossessed vehicle that they have already sold. I asked them to send it in writing with the amount and the payments that were agreed on. I was told that this would happen. Three days later the loan was written as a charge off and I 'm told that there is no one to contact for this account at this time.
Bb & T performed XXXX hard inquires on my credit. They kept processing my application without my consent, because they kept repeating misinformation. They processed my information for a credit card without my consent.
I set up a payment plan with the company Conn 's to pay for my dryer and washer. on XXXX, i did half of my payment, but the company stater calling me on the XXXX non stop every hour until now XX/XX/2018. I explain that I will pay the other half and to stop calling every hour. Conn 's  harassed you for not making a payment all they long until you pay, not even a letter or just a call in all day is okay! am about to return their appliances because am tired that they don't understand that sometimes we go to financial difficulties. they called me from different numbers, XXXX,XXXX, XXXX,XXXX,XXXX,XXXX,XXXX and the list continues. they even told me that they will send the report to my credit which at this point I dont really care anymore. Please help me!
I had a hardship back in XX/XX/XXXX. I, under my own accord, volenterally repossessed my XX/XX/XXXX XXXX XXXX. I had a loan thru XXXX. We agreed on a settlement with monthly payments that are due each month for the amount I was upside down on my loan. They call me every month witch I am usually at work when they do. I have asked them to stop calling me as I am agreeing to the settlement and have made every payment on time. They told me that there " system calls me automatically ''. I understand that if someone is n't making payments or is late they would call, but for someone that is making ever effort to make the payments on time why sound I be harassed this way. I was also told that I could make my payments with my credit card with a 9 % charge. I have to mail my payment because of this. I do n't understand that if I am paying my regular car payment I can do this online. Because of the settlement process it makes me feel like they are trying to make every effort for me to be late and break our agreement.
Because I changed from XXXX XXXX XXXX to XXXX, XXXX claim I own them a disconnect fee which I never knew anything about until I changed to XXXX. However, XXXX kept billing me after the disconnect and I paid the first bill. I feel that XXXX should have return the money for bill me after they had disconnected me. 

The people that is calling is IC System XXXX. They use to call XXXX a day, however, the called XXXX times today. 

Thanks for any help.
I have XXXX loans with Navient with vastly different balances. They will not let me pay separately on each loan when I make my payments. Meaning, I can not pay more for the smaller one to pay it off quicker, which is what i 'd like to do. I 've called them to ask why I 'm unable to designate my payments differently, and they claim it 's because they 've been consolidated. However, when my loans were with XXXX, I was able to do this and the consolidation status did not change. Further, customer service told me that I could pay separately if I were to mail in checks each month along with payment slips, and offered to mail a payment booklet to me. I have not received that booklet, and it 's been several months. 

The balance on my smaller loan is under {$3000.00}, and I 've been paying off it for years now, yet even though I 'm paying extra each month, the amount automatically allocated to this loan is minimal that the balance has barely moved, given that interest is still accruing. 

This has been very frustrating to me. I would like to be able to take charge of how payments to my loans are allocated. 

I attended XXXX XXXX University.