WillisBack/dataset-financial-user-claim huggingface dataset:
I have never lived at XXXX XXXX XXXX, Never lived at XXXX XXXX XXXX, XXXX XXXX CA. I have never worked at XXXX XXXX XXXX ... ..I would like all this taken off my credit. Thank XXXX XXXX
I received a summons and complaint from a process server stating I was being sued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca bar # XXXX. I was server at my place of residence where I have resided for almost two years. Attached to the complaint is a letter mailed to a address other than mine. I never received and letter to my place of abode. The plaintiff never attempted to resolve this matter without taking action, but false claims to have in there complaint. The current and original creditor is n't listed on any documents and again no documents or communication was made with me. I was denied my rights to dispute.
Today XXXX/XXXX/2013, I initiated a dispute of some negative items on my Experian credit report. I attempted to dispute these items but was unsuccessful. Experian claims these items are still under investigation yet the company continue to update negative information on each negative items. In addition to this each items investigation has not concluded in the 30 day time period.
I received a letter offering to settle the account for a specific amount. I paid that and they were supposed to update the credit reporting to settled in full but they have not and i have written them and they still continue to report this as a balance remaining
I have finally decided to take a stance against Portfolio Recovery. I have received harassing phone calls, threatening to put a lean against the home I live in for many years. I recently submitted my disputes with the credit bureaus and was told that my accounts have been verified and few days later I received documents in the mail from Portfolio Recovery informing me of debts that I owe along with various statements of accounts that show inaccurate information. The debts that Portfolio Recovery continues to harass me about are inaccurate debts. The statements that they provided show inaccurate amounts of debts that are not owed to Portfolio Recovery. My credit report shows dates that my accounts where placed in collection with Portfolio Recovery with various dates of XX/XX/XXXX through XX/XX/XXXX, not once was I notified via mail of any debts owed by this company during the times that they are reporting on my credit report. I 'm not sure when these debts where obtained, but those amounts they are claiming I owe reflect no payments that where made.
Trans Union will not remo ve old accounts. Collection accounts that have been paid and show  XXXX  balance are still showing up.   Old accounts showing closed are still showing up and they claim anything reported to them will stay on the account, even with proof that they are closed or paid in full.
Wells Fargo Home Mortgage is the servicer of my loan. Wells fargo Home mortgage has given me the runaround with the process of approving the short sale of my home. Wells fargo Home Mortgage has kept me in the dark about the status of my Short Sale request. Wells Fargo Home Mortgage has burdened me with excessive paperwork. Wells fargo Home Mortgage has have me filled out excessive number of documents. Wells Fargo Home Mortgage keeps on telling me that they did not received the paperwork after I sent them multiple times in multiple ways ( email, fax ). Wells Fargo Home Mortgage Employee in charge of the file when on vacation for about two weeks leaving everything on hold. When wells Fargo Employee returned from vacation, Wells Fargo Employee issue a denial of short sale letter. Wells fargo keeps on giving me the runaround.
I have never had an account of any kind with XXXX. I have been a customer of XXXX for over 10years. I believe the att inquiry is a result of presumed identity after my wallet was misplaced.
I have tried several times to have  Navient  update my credit reports. They are showing several late payments while I was in deferment or forbearance. I called and asked a representative by the name of  XXXX  to please send me a full file of my account and was told they ca n't and I would have to research everything myself. I have filed several disputes with the credit bureaus but they obviously are not really researching these accounts. I have sen t Navient  my student loan data which clearly shows I was never in a repayment status when these late payments were to occur and still have heard nothing. These late payments are definitely affecting my credit and preventing me from obtaining credit.
It was reported that Equifax breached confidential information of its customers because of a hack to their database. 

On XXXX/XXXX/2017, I checked with the website of Equifax, and was informed that my information may have been impacted by this breach.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It has been over 30 days and they have yet to verify these accounts. According to Section 611 ( 5 ) ( A ) of the FCRA, they are required to Promptly delete all information which can not be verified that I have disputed. This includes a list of inquiries that i also did not consent too. Please resolve this manner as soon as possible. Thanks.
XXXX graduated college XX/XX/XXXX. Two days later was assigned to his XXXX XXXX XXXX training. Since XX/XX/XXXX Sallie Mae has contacted only one of his co-signers, XXXX XXXX, grandmother several times a week by phone calls, emails letters. XXXX only co signed one of two loans  that have doubled from The original amount. Yet they continue sending demand Payment letters for payment or ruin her credit. Take from her social security bank acct. that is all she has to live on. XXXX is XXXX years old living in assisted living. She has no extra funds. XXXX parents, my Husband and I were sufficient in his loan as co signers but they demanded a third co signer. 
This has practically killed XXXX myself my husband and XXXX XXXX. XXXX has dis owned my husband and I and her grandson over this fraudlike loan collection. 

XXXX  first payment was not even due until XX/XX/XXXX. Yet talking to an XXXX year old, she believes we misled her into this mess. We had no idea Sallie mae is allowed to get away with hundreds of calls emails and lettters to turn our lives upside down. Costs us our livelihood of not able to run our business. And we have suffered immensely from it. Sallie mae has been contacted dozens of times to let the XXXX and XXXX do their part. To Stop contacting XXXX. I have power of attorney over XXXX. I sent that in sent in all my id as demanded in order for them to stop communication with XXXX. However that was a plot to get my drivers license. They have failed to commmnicate with XXXX. She received an 8 page demand lettter today! 

How many of our lives have to be destroyed and lost over this? When the XXXX and XXXX is handling it. Not late. Now it is in deferment til XX/XX/XXXX! Why are we harrassed?
Hello, I have a loan with Toyota Financial on my XXXX. In order for me to pay down my principal, Toyota requires that paper checks or money orders be sent directly to their XXXX XXXX facility. I sent my first check on XXXX XXXX ( 12 days ago ). Toyota is claiming the check has not been received and that it would still take upto 2 days to post onto the account. Note : standard mail in the U.S. takes 3-5 days, maximum, which means Toyota has had the check for 6-7 days. 
My complaint is that Toyota makes it incredibly cumbersome and inconvenient for customers to paydown the principal on loans. I deal with Student Loans, Credit Cards and various other debts where paydown of principal in instantaneous and convenient for the consumer.
Paid the loan off in XX/XX/XXXX. However because they processed my loan on XX/XX/XXXX and not the XX/XX/2015, they reset my loan and gave me an early payoff amount. As of XXXX XXXX 2015 I was done paying for the loan. XXXX XXXX 2015 they processed a debt payment from my account of {$66.00} that were not suppose to take as the loan has been paid off for over a month. They said to return the money to my account take 48hrs or I could come pick up a check from the office. So now this is going to cause my rent to check to bounce and a late fee to be assisted to my account and leasing office to charge me a fee as well.
I have requested numerous times that and a XXXX be removed form my account. It is illegally there as I was never billed for These services and my information was obtained illegally.
They do n't offer financing options for my financial situation. I think they look at income and do n't consider expenses. I am working 2 jobs just to pay my rent and they somehow think I can make about {$500.00} For 2 separate loans. My loans continues to be delinquent as I can not afford these paynents. This is a car payment and the interest keeps accumulating. I can not get ahead if I tried. I feel like I will dir with this debt. 

And it continues to affect my credit. I can not get a job making more money because in my industry companies pull your credit report. I feel stuck like a rat on a wheel.
XXXX XXXX was the servicer we had been using after refied after my husband died in XXXX we refinxed in XXXX bc we had a bother gentlemen helping us it was a XXXX XXXX loan or is its currently interest rate is 5.3 I am s XXXX  by trade and I quit at our local XXXX in XX/XX/XXXX losing my husband there and having one dr be In all the time wax just getting too much plus we had this other gentleman helping us out I worked for short time w w XXXX XXXX XXXX when we banked w XXXX XXXX XXXX XXXX I was under age to withdraw from my husbands ira I asked them to withdraw correct taves they did not but wouldnt accept responbiliy as a result I was hit w a XXXX back tax for XXXX and XXXX in XXXX thd othrt gentleman got w tax lawyer to get us deemed uncollectabled the lien falls off in XXXX. We here explored Bank ruptcy not an option whrb this gentleman was alive he helped a great deal he find me two families at his parish they paid in one one died a month after him we domt speak to family or community. When the other client let me know they wanted to go in a different direction my daughter called XXXX XXXX and they put us on a forebearance then it was a stretch then but we did it w a neighbor help in XXXX of XXXX we did w loan mod which right before Irma we recieved a letter stating they hat forgeton to inform us our property taxes and insurance were being raised to XXXX before my Daughert could call we found out that we were being transferred to Specialized loan serviving what a nightmwr said we were delinquent with XXXX XXXX in fact we were not, this comoagy is not good keeps taking on double paykrkts I even feel recently hud informed me that the loan had a 42 month term I know its not that long I did not trust this specialized nor did my daughter we made a oartial payments them in XXXX of XXXX but with my daughter being sick I couldnt afford to have the funds sent to that company. The dates they swear they have their forebearance is wrong it ran out in XXXX we have tried everything bc of the non currency abs tax lien Many companies have turned us down cant sell XXXX now even tried hardest hit. No foreclosure notice we would love to stay in the home into the tax lien falls off ecery time you call sls their story changes, is like to know my home is secured. We have had companies tell us they could help one was mlg not Florida another so we have explored bankruptcy not right at this point if love to be able to keep the home but refi is probably out of question.just want our home rescued from this scam completely please help us we also were targeted by synergy law didht pay then any thing
Had a SEARS account since 1975 in good standingAttempted to buy a book on XXXX and it was declinedOn their website, my account looks fine, no cancellation or negative information of any kind! 
Selected CHAT and was just now informed that my {$2000.00} line of credit/card was cancelled at sometime due to inactivity! With absolutely NO prior written notice as required by law, I believeThe CHAT female even hung up on my cut me off
XXXX and XXXX are still negatively reporting 4 student loans from Navient on my reports whereas XXXX has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.
In XXXX I took out a mortgage with XXXX XXXX Mortgage XXXX XXXX XXXX for the amount of {$350000.00}. I defaulted on my mortgage payments because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX there was an assignment of mortgage filed with the XXXX XXXX XXXX 's office. The assignment of mortgage assigned the mortgage from XXXX Mortgage XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount {$310000.00}, which is about {$400000.00} from the original mortgage 6 years earlier, when I had paid over {>= $1,000,000}. How is that possible? I also never received mortgage statements from XXXX Bank XXXX, instead I have been receiving mortgage statements from XXXX. I would like the opportunity to reach a settlement with the bank without my house being sold at an auction.
Please see the attached. 

The issue is the Mortgage company, PennyMac , LLC, falsely reported my home vacant and was directly responsible for my Home Owners ' insurance being cancelled, etc.
Debt was paid in 2015. Legal agency called from XXXX stated they put out a warrant for my arrest regarding paid off debt. I explained to female at agency it has been paid off. She stated that she would n't be calling me if it was, demanded I take care of total immediately, stated she had list of friends and relatives phone numbers & would call them stating I owed the debt & ask them to pay it for me and then stated she was calling DMV to suspend my drivers license.
I checked my credit report and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX reports that I am delinquent. This matter was part of a bankruptcy filed in XX/XX/XXXX and discharged in XX/XX/XXXX. XXXX reports delinquency ever so often to ruin my credit. It is well past the statutory 7 years for XXXX make reports, XXXX is maliciously making a false report. I called XXXX who took it off my credit report. XXXX suggested I call XXXX. I called the bankruptcy department XX/XX/XXXX and the woman I spoke to wanted my phone number and told me this was the wrong department that I had to speak to the credit reporting department they would call me back. I waited several hours and I called again this time a different woman asked the same questions and said the woman I talked to is on the phone only she can handle your question. I told her what I was told regarding the credit reporting department. She said there is no credit reporting department that the woman I spoke to would call me back. When the woman did not call back I called their customer service number and was told there is no credit reporting department I must talk to bankruptcy department. I said why did that woman tell me there was a credit reporting department and did not help me then?
PAYPAL. 
On XXXX XXXX I opened a Paypal account in order to transfer funds to a friend who had pre-booked for a large group dinner at a XXXX restaurant in XXXX NJ on XXXX XXXX. My friend asked to be paid by XXXX XXXX to pay the restaurant deposit. 

I received an email from PayPal on XXXX XXXX saying that the payment was pending review due to government regulations and would be completed within 72 hours. ie by XXXX XXXX. 
On XXXX XXXX I checked my PAYPAL account and still the payment was sitting on pending. I called the Call Center, after waiting 30 minutes I eventually was put in touch with someone who then wrote a comment on the transaction and then escalated and said it would take ANOTHER 72 hours to be processed. ie by XXXX XXXX. 

It is now XXXX XXXX and the transaction is still sitting on Pending. 
And now I am going to pay my friend in cash when I see her, but I am unable to cancel the transaction, which means if the transaction is finally approved she is going to owe me money as she 's been paid twice! 

This is absolutely ridiculous, I 'm going to a restaurant in New Jersey that makes XXXX food!! XXXX is no longer such a hot topic, most recently relations between XXXX & XXXX have normalised but that is irrelevant anyway, I am going to a restaurant in XXXX!! 
How can a review of payment to a friend take so ridiculously long, it is unacceptable that they said 72 hours XXXX times and XXXX times PAYPAL failed on this.
My ex-husband used my social security number and his name hit my credit report. I was supposed to be protected by the courts, identity undisclosed, because he is on XXXX. However, the court clerk did not do her job and now all of my personal information is public. He knew my social security number and is now trying to cause me financial damage like he has done others in the past by switching his last few numbers of his social to open accounts on someone else 's credit and ruined them. I disputed with Experian but that did not change my credit score after he dropped it over XXXX points after he already destroyed me by XXXX and I had to give the only transportation that me and my son had back to the bank because it was destroyed.
I received a call from ( XXXX ) XXXX at XXXX XXXX on XXXX XXXX, 2018.  They asked to speak with an individual I do not know. Typically, I just hang up the phone, but I have been receiving these calls so frequently that I decided to try to sort out the problem. I asked them to provide me with the caller 's name, organization, and purpose. The caller hung up on me, so I called back and went through a similar conversation with another person, XXXX XXXX. When asked who they represented, they said, " XXXX. '' Eventually, I was able to get them to say that the organization is Direct Recovery Services. I attempted to have a conversation with them regarding how they acquired my phone number and how to get them to stop calling me. This individual also hung up the phone in the middle of our conversation. I do n't know the person they are calling for, and I have repeatedly told them they have the wrong number and to stop calling.
I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - Equifax/XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX  hard inquiry XX/XX/XXXX -, XXXX   XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX XXXX XXXX, hard inquiry XXXX Equifax ; XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XXXX  ; XXXX XXXX XXXX, XXXX hard inquiry XX/XX/XXXX - XXXX ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX
I started getting calls from XXXX XXXX XXXX XXXX at XXXX on XXXX/XXXX/15. I also had a missed call at XXXX. I 've had 10 more calls in the 4 days since then some very early in the morning ( XXXX around XXXX ) until late in the evening. 

Most disturbing is that they have obtained information about me illegally and contacted my XXXX today. I have not ever and would never provide my XXXX office number as a contact for any credit application. The only place anywhere that I am associated with my XXXX is via XXXX as on of the contributors of the XXXX page. I have never been an employee or provided any official service at the address. 

I 'm not comfortable contacting them from my phone due to the fact that they have collected very personal information about me from an unknown source. I literally feel afraid with this latest development. 

I contacted the number from a computer phone at the business stated that they are Pioneer Credit Recovery XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I do n't have any additional information or bills from them as a direct or collection agency creditor. 

I 'd like to have some support in taking proper actions, as their approach has left me feeling physically unsafe.
XXXX certified letters within a 60 day period to Account Resolution Services has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Account Resolution Services purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Account Resolution Services. and myself, signed by me, stating that I have a contractual responsibility to Account Resolution Services for the alleged debtsXXXX.Provide proof that Account Resolution Services is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Account Resolution Services. Account Resolution Services can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Account Resolution Services of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
XXXX XXXX not resolving the problem over the phone they say one thing then their automatics phone say totally different I dont know why there is a balance when I returned everything They made me past due and keep charging me late fees This is a puer fraud and XXXX off I will not be cheated if they reckon my credit file I will file a law suites
Filed a dispute with XXXX asking for verification of accounts on credit report, I received a letter stating the accounts were verified and when sent a second letter asking for results from verification ie : who was it verified with, name of persons that verified the information. nothing was provided back besides a letter stating it was verified and would not pursue further. Transunion removed/deleted a collections account from my credit report and without any notification stating it would be added back on or anything else the att collection was added back under XXXX for {$1400.00} XXXX XXXX XXXX has been asked for verification on debt owed and HIPPA letters has been sent to them and it has been more than 30 days and they have not sent anything.
Have a loan with my pay day loan dot com their interest rates are outside of legal regulations I asked my bank XXXX to stop the automatic withdrawals from my checking acct and to stop My payday loan to stop making remote checks XXXX have refused this request