WillisBack/dataset-financial-user-claim huggingface dataset:
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXXXXXX 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My credit score dropped XXXX points from XXXX to XXXX virtually overnight. The only possible issue was closing my XXXX credit card as I previously reported under a separate complaint. There was also an address for XXXX, Nevada which I told them I never lived there. I have lived in Nebraska all my life. When I asked what other bad information they had about me which may have caused the drop in score they refused to answer. When I asked to have them resolve the errors on my acocunt and look into the fraud they refused. I just got off the phone with Trans Union at XXXX CDT XX/XX/2017.
National credit system for XXXX XXXX XXXX reported inaccurate/false information to all three credit bureau 's stating that I owed {$1200.00}. My first time hearing this was when I applied for an apartment. I left that residence in 2013 in excellent standing. I am in the process of losing my housing due to this fasle acquisition. I will no longer have affordable housing as a senior citizens if this is not corrected immediately time is of a essence I have 14 business days left to correct these false allegations and I also care for my XXXX XXXX child. When I contacted this company they stated they did not exist anymore and did not have any records stating that I owed them any monies or sums.
This is with penn credit at the XXXX County clerk of court,  XXXX Florida. I had an arrangement for court fines for XXXX down and XXXX a month for remaking balance, on XX/XX/XXXX I called penn credit and gave a updated debit card info and was not told the payment did not clear. On XX/XX/XXXX, penn credit took XXXX payment from my account, I received a letter stating, my license would be suspended on XX/XX/XXXX this is the same account that penn credit deducts payments from, my XXXX account for. I was told to make another XXXX payment on XX/XX/XXXX and make payments for the suspension fee would be resolved. The suspension was not resolved but penn credit continues to deduct funds from my checking account for XXXX County clerk of court. They are not biding to their own agreement, but are taking funds my account. If my account was no longer valid for the arrangement. They were not to take funds from my account, up to this day they have dedecuted funds my XXXX account, but have not went by their agreement plan for services. The customer service reps who I have spoken to since XXXX, has told me different stories, lies, rude and absolutely no resolve to this issue.
As below : they acknowledged my request to not call my place of business and then called this morning and violated that.I have a voicemail to prove that. 

********************************************************************* You have now violated my request and called my place of business again. I know that you can be fined for this. If I have to get a lawyer I will. I am not allowed personal calls at work. Cease and desist. 


From : XXXX Collections & lt ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; Sent : Wednesday, XXXX XXXX, 2016 XXXX XXXX Subject : RE : ArrowheadAdvance Message ( response ) XXXX XXXX XXXX As you can see we received your email, and will stop the calls to your employer, but what I needed to know is what are you disputing we have a signed contract on file. If this is just something financial then please let us help you. By telling us not to contact you and that you are disputing the loan only makes it more difficult for me to help. If you can please give us a call at XXXX. 

Best regards XXXX XXXX collection Manager XXXX ext XXXX
I sent them a dispute letter on XXXX XXXX 2017 by Certified mail. ( They receive it on XXXX ). As I 'm patiently awaiting my 30 days to pass, on X/XX/17, I call them to verify if the the copy of the license and my social security card in my new last name that I attached to my dispute was sufficient for changing my name ( due to marriage )? I did n't want two different last names floating around on my credit file. On XXXX the US rep tells me that I need to fax in proof of my name change, which I think is strange since I 've already attached a copy of this same driver 's license and social security card to my original dispute letter, but I comply and fax in requested info on X/XX/17. On XXXX I get a letter from TransUnion ( dated XXXX ) stating that they need an extra 15 days since they 're in receipt of new information regarding my dispute. This is totally incorrect. The information i faxed was mutually exclusive and not at all related to my dispute. It was specifically to verify my legal name change due to marriage. This is not a dispute issue and had nothing to do with my Dispute letter. This letter confused me so I called and spoke with XXXX XXXX XXXX of Special Handling about 5 minutes ago. He was polite but literally could not defend the reason why Trans Union needed 15 extra days. He started with " it takes an additional 3-5 days to upload information in the system. That sounds like a TU problem to me and should be covered in the 30 day time frame. He goes on to state that " Since you sent in supporting documentation we need extra time ''. What I sent in was mutually exclusive and not supporting document related to my dispute. I asked him if the law in fact states that they have 30 days and if no response is received from the creditor, it had to be removed? He said " yes '' but some of the creditors stated they would n't have the info until XXXX and XXXX said XXXX. This is also not my problem. If the reporting companies do n't comply, they should remove it from my report. Am I wrong or missing something? I think they 're stalling on my dispute/verification. His grand finale of excuses was " we are receiving millions of disputes that we ca n't keep up. He explained that they all wo n't be handled in 30 days they and needed to ask for extensions. I do n't believe that a lack of proper forecasting on their business end should constitute a problem on my credit file. In addition, as of today X/XX/17, my name has already been changed from XXXX to XXXX, therefore they shouldnt need additional time on my dispute. Please help me. I believe this is a stall tactic which happens to be infringing upon my rights as a consumer.
I have tried for months to get Equifax to remove inaccurate and/or unauthorized hard inquiries off of my credit file. The XXXX inquiries are not mine and I want them removed immediately because they are negatively affecting my credit rating tremendously. I have an Identity theft case with FTC since last year. Please help me!
My names are XXXX XXXX XXXX based in XXXX have an account with CHASE MANHATTAN BANK U.S checking account number : XXXX the Company handling my money have not reviewed the funds available in my account and not able to transfer my funds to XXXX to my local bank account. 

Please i request your good office to help me how to receive my money via XXXX because XXXX advised me that XXXX can not receiving country.According to foreign policy please help me to withdraw my money and be sent to my bank account in XXXX i have an account with XXXX XXXX XXXX In XXXX.My appeal is that as owner of this account i need authority to receive pass instruction to my banker to transfer funds to my Country, but i have no contact details for my Bank in U.S.Any correspondence is between Me and XXXX which i feel my rights is violated concerning my account. 

Thank you in advance for your favorable response into my appeal and hope that transparency will be exercised according to foreign protection.My Contact details : email XXXX Phone : XXXX
I received a collection account added to my credit reports today from AFNI, Inc. There address is : XXXX XXXX. XXXX XXXX XXXX, Il. XXXX. Phone # XXXX. That are reporting a debt of XXXX. The original creditor is XXXX in which I have not had services with them and this account was fraud. This account was removed from my report and deleted. Now its re-appearing as they seem to have now purchased this debt. This collection is preventing me from closing on my home. This is not mines. I have a police report and a ID Theft report to provide if they need it.
I am a victim of ID Theft. I was contacted by the XXXX XXXX XXXX that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
I have been called several times from a place called CRME for various medical bills that have never even gone to collections. 
Caller ID shows up as a local number XXXX. Automated voicemail gave # XXXX. I called back and the girl that answered stated I owe medical bills from 2014. ( Which I do not owe ) She was very rude and wanted to argue. I told her to call the doctor 's office that she is so called representing and send me something in the mail documenting this because I have never received anything at my home address about any bills. ( I have lived there for 8 years ) She wanted my credit card number and I would n't give it. I told her to send me documentation in the mail and she hung up. 
I tried to go on their website to pull up the so called account # they were referring to and it directed me straight to a payment page where I had to enter a credit card. There is no way to pull up any info without inputting your credit card number. I did not do of course. 
My identity was stolen at the beginning of this year and I am still trying to clear the mess because of these scammers. I am so tired of these losers stealing from people..
I received letter XX/XX/2017 that was adjustment for XXXX $ That amount has been credited to my account as reverse entry. This will appear on my account effective XX/XX/2017. Case : XXXX After I called US BANK XXXX customer service to get explanations For my account balance, they told me I have to call my home US bank, which is located at XXXX XXXX XXXX XXXX, XXXX - UT XXXX ( XXXX XXXX XXXX ) for almost 3 weeks I try daily to know any informations from them, but I got zero result. Every time I call or go there, the cashier told me that the manager is not available, and he is the only one can explain, and answer my questions!! 
Thanks, XXXX XXXX
XXXX case number Hello, PAY ATTENTION EQUIFAX IS INSISTING I GAVE INFORMATION THAT IS WRONG BECAUSE IT DOES NOT MATCH THEIR INFORMATION. I DO NOT LIE I NEVER GAVE FALSE INFORMATION. I WANT THEM TO SHOW ME WHAT INFORMATION THEY THAT DOES NOT MATCH. NOW THEY SENT ME A SECOND REQUEST TO SUPPLY INFORMATION TO PROVE WHO I AM. 

GET THEM TO SEND ME THEIR INFO FIRST. I THINK THEIR INFO IS NOT MATCHING BECAUSE OF THE WAY THEY PULL IT FROM THE SYSTEM THEY PULL BY THE ADDRESS ALONE INSTEAD OF THE NAME AND ADDRESS. I LIVE WITH MY MOM I THINK THEY ARE GETTING HER INFO AND SAYING MINE IS NOT MATCHING AND IT SHOULD NOT IT IS MY MOMS INFO NOT MINE. I SAID THIS MORE THEN ONCE. I WILL NOT SUPPLY DOCUMENTS UNTIL THEY SHOW ME WHAT THEY CLAIM I AM GIVING TO THEM THAT IS FALSE INFORMATION.
So I have been in the process of obtaining a mortgage to purchase the home I currently live in at XXXX XXXX XXXX. For 3 weeks now now my mortgage broker has been unable to pull a credit score for me from Equifax ( despite having credit established for several years ). Calling Equifax and as told by my mortgage broker I likely had some incorrect personal information in my Equifax report, in order to clear that up I was told by Equifax to submit by facsimile a copy of my current drivers license and social security card. On XXXX XXXX I submitted the requested documents ( copy of ID and social security ) by fax, on XX/XX/XXXX I followed up on my submissions and called to confirm that has been received. I was told they were under heavy load and that documents could take up to a week to process, but could not be told if they were indeed received so I resubmitted the documents by fax on this date as well. I followed up again a week later on XX/XX/XXXX ( now almost 2 weeks from the first submission of these documents ). I was told the same thing and suggested that I mail in the documents ( not sure why that should be necessary or the corrective process be constrained to something so slow, especially when faxing was an option stated by Equifax representative for resolution ). On Sunday XX/XX/XXXXI faxed the documents again, hoping they would be less buried in submissions if sent on an off day. Following up today on XX/XX/XXXX I was told something worrying, that they could not pull a file on me and that perhaps my lending institutions had not submitted their reports to Equifax ( the other bureaus have my score, and no problems with access to my file ). Calling one of my lending institutions ( XXXX XXXX ) I was assured that these reports are submitted monthly. This information also worries me because I may not be able to request a credit report that does not exist this is costing me a great deal of time, and I would also like some advice, should I submit to Equifax the requested documents by mail? And should I initiate a request for me free credit report by mail from them? May that accelerate resolution of this issue? Equifax Customer support line is basically a brick wall, and there is no way to escalate the issue resolution to a level where a solution can take place.
I am attaching a " spam/malware/bogus email '' I received. I am NOT a credit card holder, I am NOT an American Express customer. And, of course, I did NOT open/ download the email attachment. 

email : '' Dear American Express customer, We have recently detected that a different computer user has attempted gaining access to your online account and multiple passwords were attempted with your user ID. 
Hence it is necessary to re-confirm your account information and complete a profile update. 
You can do this by downloading the attached file and updating the neccessary fields. 
Note : If this process is not completed within XXXX we will be forced tosuspend your account online access as it may have been used for fraudulentpurposes. 
Completion of this update will avoid any possible problems with your account. 
Thank you for being a valued customer. 
( XXXX ) American Express Customer Service 2015. 
Dear American Express customer, attachment Verification FormXXXX ''
My credit limit was reduced, due to errors on Macy 's part. I have paid off my balance month ago, but due technical issues on their end. I was charged fees, and not notified of changes. I called to get fees waived on this past Saturday, and now today I get a letter stated my limit is being reduce, which will effect my credit score. I want my credit limit restored.
I terminated payroll service with Bank of America XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive.
American Credit Acceptance report inaccurate payments and balances. My balance was {$9000.00} in XXXX I have made 3 payments {$510.00} in the months of XXXX, XXXX and XXXX and my balance on my statement says {$8500.00}. it should be a lower balances
I have filed a complaint with BCFP and The Attorney Generals office about the company " XXXX XXXX '' that placed the false debt ( which is not my debt and could not provide proof ) on my Credit reports. XXXX and XXXX have removed the item which is not my debt but Experian refuses to remove this item. I have filed XXXX disputes yet they still refuse to remove the item only to say that the company says it is my debt but still DID NOT provide PROOF.
COLLECTION CONSULT OF CAL is reporting a debt that I do n't owe and that account for XXXX XXXX was paid for. That debt was paid for I had insurance then. This is ID theft.
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
My bloomingdales closed my account after I mad the payment and the account was still open, and now there saying that I have balance thats due. This is not correct because I made full payment and brought the account to a zero balance. I have spoken with them and they still arent trying to assist me but instead keep refering me to the collections agency thats now handling the bill, my account should not be in collection agency status because it shouldnt have a balance due ... ..
DITECH HAS VIOLATED THE : DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT TITLE X FOR THE LAST TIME.
Oac collection specialist, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts of {$160.00}, {$160.00}, {$230.00} & {$340.00} with  XXXX ,  XXXX , &  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I emailed XXXX  customer service to resolve a payment/billing issue I encountered last month. It has been 3 weeks and I have not heard back. 

The situation : - In the middle of XXXX, or potentially towards the end of XXXX ( I can not confirm the exact date ), I logged into https : //lakeviewloanservicing.XXXX/ and increased my monthly auto-draft payment amount from {$2000.00} to {$2500.00}. 
- I did not know, nor did the website clearly state, that changes to auto-draft payment options take 2 weeks to go into effect. 
- My monthly mortgage payment auto-drafts on the first of every month, and has done so since the inception of this mortgage - I have never missed a payment and have always had auto-draft set up. 
- I have made sure to always have sufficient funds in my bank account to pay at the first of every month. I can produce bank statements to show I had enough money to pay on XX/XX/XXXX and this was not a bank error. 
- After changing my auto-draft amount in XXXX, my XX/XX/XXXX payment did not process and was missed. 
- On XX/XX/XXXX, a late fee was imposed on my account for {$82.00}. 
- On XX/XX/XXXX, I was notified via phone call that my mortgage was being sent to collections and I had the option of paying over the phone. 
- This was the first time hearing that my mortgage payment was missed. I immediately tried to understand the situation and confirmed with the person on the phone I always had auto-draft set up and at no point did I cancel it - the customer service rep confirmed. 
- The customer service rep ended up waiving the {$82.00} late fee for me but could not waive the {$15.00} one-time payment processing charge. 
- In addition to the processing charge, I also realize that since my payment was missed, Lakeview/XXXX will notify the credit bureaus and my credit score will go down. 

Please let me know if there is any other information I can provide to help with this matter. 

My contact information is : email : XXXX cell phone : XXXX
Requested wire withdraw at XXXX XXXX - XXXX XXXX, 2017 UTC in the amount of {$900.00} ( - {$25.00} wire transfer banking fee ) from Coinbase, Inc. and have not received the funds. Their online records show the wire " Completed '', however all attempts to contact their support have gone unanswered and I receive no response.
I had a balance of {$100.00} and I refinanced my loan. I noticed on the receipt it was showing a negative balance of XXXX. I called thwn and asked why it was showing a negative balance and the rep said it was a glitch in their computer system. When I refinanced they gave me the new loan minus the existing balance of {$100.00}. I paid my loan off in full on XX/XX/2016. I recieved comformation my loan was paid off and then on XX/XX/2016 they said I owed XXXX due to a " returned payment '' on XX/XX/<YYYY> That was the day I refinanced, so the returned payment was From the glitch of the XXXX that was showing on their system. I spoke to my bank and they said there was never a returned payment and this company was definitely paid. In addition, my bank provided me with trace numbers for all previous transactions. I have called this company everyday since XX/XX/2016 and today in XX/XX/2016 it is still showing I owe this money with additional interest, of course. When I talk to the supervisor just gives a carefully scripted response that it is " under review '' despite the fact that I have provided them with all pertinent information. Im at a loss of what else to do bc it is impacting my credit because it is showing I have an outstanding balance of over {$1000.00}
They called my work about a month ago and they were advised by me telling them to stop calling my work that I can not receive them at work. They preceded to argue about it then stated that they would stop and obey my request and the law. 

Well today they did it again. My husband called them and let them know they broke the law. They preceded to try and talk down to him and then stated my entire credit history saying why do I not pay my bills. My husband advised them again that they broke the law and we can take them to small claims court. They went back and forth and XXXX XXXX ( caller ) continued to bring up my credit history.
Portfolio Recovery Associates hired XXXX, XXXX, XXXX XXXX, XXXX to sue me for an alleged debt in the amount of {$1100.00}. They never served me and obtained a default judgement against me to garnish my wages. I have asked PRA & their law firm to drop the suit because they never served me with the lawsuit or provided me with any viable evidence, bearing my signature. They have yet to cooperate with me.