WillisBack/dataset-financial-user-claim huggingface dataset:
This is not my account and I don't understand why the Diversified Consultants collection agency keeps adding it to my credit report every 6 months. 

On XX/XX/2018, a false debt of {$480.00} was reported to XXXX  and XXXX. This false debt has an account name of " XXXX XXXX '', with an account number of " XXXX '' and open date of " XX/XX/2018 ''. 

XX/XX/2018, a false account shows a date opened of XX/XX/2018, with an account name of " XXXX '' and an account number of " XXXX ''. XX/XX/2018, I disputed this with XXXX  and XXXX, and the credit bureaus deleted this false information from my credit report. 

In XX/XX/2018, I contacted the Diversified Consultants collection company in regards to this false account. I spoke with a representative who had no information other than my partial first name and my full last name. The representative kept asking for my social security number, my date of birth and my mailing address. I did not give any of this information. I asked the representative to give me some information in regards to this false debt, the representative said they would not give me information until I gave them my social security number, my date of birth and my mailing address. 

I do have a work phone that uses XXXX XXXX XXXX XXXX. I am concerned that this false debt may have picked up my name from that account. I have not received any statements nor information in the mail in regards to this false account.
We are attempting to purchase a home using cash in which the deed is currently held by Linear Title of Middleton, RI. We have been under contract since XXXX XXXX and have been mislead by this company from day XXXX. We believe that there are some serious legality issues with how they list their properties. After reading reviews about this company online, it sounds like they are notorious for listing properties which they currently have no legal claim to ; basically they put these properties on the market before they have obtained proper ownership, and therefore have no legal claim to yet sell that real property. This causes the consumer to have extremely long closings that never should have happened if Linear would follow laws and guidelines stipulating when they can legally list properties for sale. We are now 2 months into closing, and there is no end in sight. It does n't appear Linear has done anything on this file and they have now stopped responding to emails, giving us any kind of update, or even providing me with the contact info of the foreclosure attorney handling our case so that I can reach out to determine when this will be finalized. I have had over $ XXXX cash wrapped up in earnest money for 2 months now that is just sitting in limbo as it appears nothing is happening with this file. It is completely unacceptable, and illegal, how this company conducts business. I can no longer afford to have that money out of my reach, this should have been resolved weeks ago. We have documented everything including contracts and emails stating timelines that were never followed. I 'd be curious to see if Linear Title actually held the deed to this house on XXXX XXXX, 2016 when we first went under contract. When dealing with something as important as a home purchase, I would certainly expect complete transparency and honesty from the title company ; they 're dealing with people 's livelihood 's and it 's an embarrassment how poorly they 've conducted themselves through this transaction.
XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX inquiry date : XX/XX/XXXX bank credit cards i haven't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit  burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that doesn't belong to me.
I took out an online loan over the summer from XXXX XXXX ( XXXX XXXXXXXX ). 
I contacted them via email in XX/XX/XXXX asking them to switch my bank account on file they have dealt me issue after issue refusing to update my banking information, Ive sent them bank statements for two months in a row and they tell me credit unions arent recognized, my bank statement is out dated as they leave it set there and dont work my request now after all this they are requesting me to send them my new bank Statement to show my account activity, pay stubs and letterhead from my bank showing account and routing # which has already been sent to them, and a voided Check before they will update my bank information. They were asked to remove the previous account on file and they refuse. I refuse to give them any further information regarding my bank account and its activity, my bank has warned me their actions are borderline fraud This has absolutely nothing to do with changing my bank account! 
I have asked them to work with me on small payment and reduce the interest as I had been off work sick with dr note and they wont do anything to reduce or stop interest in the retention department I cant affod their payments, I borrowed {$460.00} and no owe almost {$1000.00} They just deduct the payment at their discrestion with no notice How do I get them to stop this and work with me
Wells Fargo is getting rich on the backs of poor, and unwilling victims. 


I have requested that transactions not be honored if inadequate funds in account. I wish not to accrue overdraft fees. I opted out of this service and am being charged these fees despite my objection to the service. 

I am being told that there is not option but I was asked if I wanted to decline tis service and have several times. I do not want transactions to clear where there are no funds available to cover the transaction. I do not wish to pay those overdraft fees.
The mentioned debt was a result of a early termination fee ( {$440.00} ) imposed by XXXX XXXX as a result of an XXXX that was installed improperly, ultimately causing a poor signal. The poor quality is also documented in my contract with XXXX XXXX, however claiming that " the customer was ok '' with this quality. Also, my digital signature on the signed contract was illegally duplicated without my knowledge, which can be demonstrated by a erroneously stray mark. 
I contacted XXXX on XXXX/XXXX/XX/XX/XXXX to terminate my agreement based on false advertisement and improper installation however was told that I was responsible for the charge since I signed the contract. I then attempted to file a formal dispute with the office of the president of XXXX XXXX on XXXX/XXXX/XX/XX/XXXX however received no response or follow up. As a result, I filed a formal dispute through my credit union and XXXX of the charge, which ruled in my favor as of XXXX/XXXX/XX/XX/XXXX due to no representation provided by XXXX. 
I was later contacted numerous times by XXXX XXXX ( debt collector ) on behalf of XXXX to recover the mentioned charges. In my correspondence, I explained to the convergent Rep I was not responsible for the charge as it has already been disputed by XXXX and based on the fact that I was receiving poor quality. This charge was later reported to the XXXX major credit bureaus. 
As a result, I filed a dispute through XXXX, a authorized identity restoration services provided by the XXXX XXXX XXXX XXXX, to remove the charge from my credit report. After submitting the supporting documentation, all XXXX major credit bureaus removed the charge by XXXX. 
Later on XXXX/XXXX/XX/XX/XXXX, I received a separate notice from GC Services requesting payment for {$440.00} as a result of an unpaid balance from XXXX, This message also indicates the charge may include equipment fees, despite being told by XXXX that the equipment should be discarded after installation as XXXX will not accept returned equipment.
removing security freeze for fixed period of time. Equifax failing to provide PIN and/or means of obtaining PIN that are NOT SNAIL MAIL
I recently applied for a home mortgage. I was advised that a hard inquiry was on my report from " CREDCO '' on XXXX/XXXX/2015. I did some research and found this to be a mortgage company. I never Applied for ANY type of loans at that time. I contacted a Customer Service number online and I was advised to contact XXXX wich I did, they are no help at all and advised I would need to contact CREDCO. No one is willing to help or provide documentation on this issue. I am requesting to have the inquiry removed as it is a negative impact on my score
XXXX XXXX XXXX has confirmed in the last 60 days that all of my loans are issued by them. Navient has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me. XXXX has already deleted all their accounts and updated only XXXX XXXX XXXX loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is XXXX XXXX XXXX. Thank you!! My name is XXXX XXXX XXXX, My balance with XXXX XXXX XXXX is approximately {$21000.00}, Navient continues to report {$40.00}, XXXX and duplicate same information coming from XXXX XXXX XXXX.
I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent. XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing..
Here is my complaint letter to national Credit Services sent today : My name is XXXX XXXX. I had arranged for a payment plan on XX/XX/2018 and then amended this on XX/XX/2018-Rehab program arranged. The first arrangement based on the notion that I would pay less because I have a heap of medical bills to pay from a XXXX XXXX in XX/XX/XXXX and was trying to create some kind of requested statement. I could not make that happen because of bills from several docs, surgeons, hospitals, etc. so out of honesty and complicated circumstances, I called back and said to forget about using those expenses to lower the monthly cost, I would pay higher rate. 

XX/XX/2018. The new plan was arranged, I gave my bank account information and was told that I would have to make 9 consecutive payments and then we could move on to the next phase of payments and out of default status and no garnishment to my account would be made. 

XX/XX/XXXX, I go to work and find that a garnishment was indeed made AND you are taking the arranged payment out of my account. 

This is problematic for several reasons : You pick on people that are obviously struggling. Your tactics of bullying and forcing them into arrangements that are not clearly explained is unethical and will be reported. 
You say you have reviewed all the conversations, yet I can not defend myself nor can I trust what you are saying since I can not afford to subpoena you to hear the recordings ( that may not even exist ). 
The documentation I sent to verify my income was sent as asked more than once and your system apparently can not decipher the information OR you do not respond to anything that goes to XXXX No one warned me that my wages would be garnished in enough time that I could try and make alternative plans even though I made an agreement with you Your representatives today are telling me that even though a signed contract was sent, because payment was not made in the 30 day time period, which I did not understand, I would still be garnished. I understood it to be to sign the papers. I did not want to give my financial information to you until I verified who and what you were. There are a lot of scammers out there and I ma still not trusting this situation. 
Why would I still sign an agreement for $ XXXX monthly payments to be voluntarily made knowing my wages would still be garnished {$200.00} per paycheck? 
My expenses exceed my income. How can I pay {$400.00} out of my monthly income without going to bankruptcy court? This creates an extreme hardship for me. Note my expense report attached. 
Your representatives are not clear with the deals being made and misrepresent what the outcome would be. 
Your company uses unethical practices to bait and switch to customer. I will be sure to report this to everyone that I can. In a time when everyone is struggling to keep their heads above water, with ridiculous rents, terrible job options and high cost of living, the last thing we need is suffocating debt collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX
Navient is harassing the co-signer to my loan, forcing them to make payments and causing the co-signer 's credit appear as if their delinquent. Navient offered to work with us whatsoever and informed us that we exhausted all of our options regarding hardship, unemployment, etc. XXXX informed me, today, that my loan is current and the next payment is due in XXXX 2016 of approximately {$300.00}, however, Navient informed the cosigner that this amount is due immediately.
Re : Dispute of Bank Transaction ( s ) Dear Sir or Madam : This letter confirms the conversation I had with XXXX XXXX on XX/XX/XXXX about my request below. 

I am the owner of account # XXXX. 

I am disputing the following transaction ( s ) that were charged fraudulently to my account without my authorization : Date Amount Merchant Name Bank Ref. # XX/XX/XXXX {$3900.00} XXXX XXXX _________________ I did not make or authorize these transaction ( s ) that appear on my account and I am the victim of identity theft. I have enclosed a copy of my monthly bank statement which lists the unauthorized transactions. Please adjust my account information to reflect that I have disputed this transaction ( s ), and remove this item ( s ) from my statement. 

Account Number : XXXX XXXX XXXX XXXX Transaction alert : XX/XX/XXXX Dear Sir or Madam : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}. I am a victim of identity theft, and I did not make this charge. Chase bank had been contact me and denied to help me with this fraudulent transaction. Chase Bank was giving me confusing statement and explanation. They said they won't help me and reverse back the temporary credit for this fraudulent transaction by a billing cycle. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. Please investigate this matter and correct the fraudulent charge as soon as possible. I would appreciate a response from you in writing. Thank you for your assistance. Sincerely, XXXX XXXX Enclosed are copies of the following documents, evidencing the fraudulent activity : POLICE REPORT # XXXX filed on XX/XX/XXXX Police got a foot tape video camera from XXXX XXXX and Approve that the card had been theft. 

This is a XXXX document. Page 1 of 2 Please adjust my account information to reflect that I have disputed these transaction ( s ), and to remove these items from my statement, and send written confirmation that you have done so. 

Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Covington credit in XXXX, TN Coming to my residence at least once a week for past due payment for the past couple months. Called my parents house ( not a co signer or A reference ) 3 days in a row, multiple times a day. Proceeded to tell my parents I am 3 months behind on a loan payment. Her name is XXXX the manager of the office.
I am filing this complaint because Trans Union has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as possible. Thank you.
I have a mortgage loan with Ocwen Loan Servicing LLC, bearing loan # XXXX, I applied for a loan modification recently and instead of reducing my payments, they increased my payments, I wanted to dispute the increase in payments, they said that because my property is not under water, hence they ca n't give me a principal reduction and also ca n't reduce my monthly payments. 

Ocwen has my property value as {$460000.00} ( Property Address : XXXX XXXX XXXX XXXX, XXXX CA XXXX ), and my loan balance with them is close to {$420000.00}, I got a certified appraisal done the value of my property mentioned in the appraisal report was {$380000.00}, I sent the copy of the appraisal to Ocwen about a month back and to date they have not done anything on this issue. 

I request CFPB to intervene and do the needful to help me save my home.
Navient is continuing to add and subtract balances from my accounts. This is adversely affecting my credit score. I am currently in the process of purchasing a house for my growing family and their frequent updates are detrimental to this process. For the record, they do not have my correct contact information and I was not notified that my automatic payments stopped. I only realized it when I received an alert through my credit monitoring service when they posted late payments on my credit report. I did not stop the automatic payments and was puzzled when I received those alerts. 
I respectively request that the late payments from XXXX be removed and set to current. Once I realized auto payment had stopped, I called Navient and had auto payment reinstated which should have never stopped in the first place. Also I request that any student loans over 7 years old be removed from my credit report, as that is more than the SOL ( Statute of Limitation ) for my state. Again, I need this done ASAP as Navient is doing illegal collection and reporting practices which is negatively affecting my family way of life. 
I am also a military veteran and while looking into my Navient account I see that I have two stafford loans, one college advantage and one career training loan. My wife handles the bill so this was my first time logging into account to see. I dont remember applying for these loans. Both organizations XXXX XXXX and XXXX XXXX OF XXXX said that they was using my GI Bill. I assumed that I was repaying back for the GI Bill sense I had to stop going to both organizations due to personal issues. I do not remember signing anything for these loans and would like to request verification of debt for both organizations showing original documentation that I did contract with them for these loans.
I'm 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. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You
I have wrote a letter datedXX/XX/XXXX to inquiry about the late fee balance of {$930.00} that 21st Mortgage Corporation show on monthly statement. I've received a respond letter dated XX/XX/XXXXstating the late fee balance is correct and provide a payment history without giving the specific date ( s ) how the late fee ( s ) applied. I've responded with a letter dated XX/XX/XXXX requesting for specific date ( s ) of how the late fee accumulate and how they came up with the late fee balance.

It seems like 21st Mortgage Corporation wants you to do your own investigation and figure out how the late fee came about. I guess they do not believe in Customer Service and servicing their customers when that they have questions on their accounts.

21st Mortgage Corporation has been very difficult to work with and they seem not willing to work with consumer to get their answer resolved. I'd greatly appreciate if  someone from your agency can assist in this matter.
Dear Sir/Madam, A month ago XXXX XXXX report a 30 days late payment to Transunion. I have contact the agency and I submitted a request to investigate and today XX/XX/2018 I received a letter stated that credit card bank reporting is correct. 
I have open the account with XXXX in XX/XX/XXXX and I have not get any statement from the bank and all the sudden the bank start reporting late payment. I have contact the bank numerus times and complained that I have never get a payment statement and they told me that was a problem and they did fix it and I should have no problem any more and for the next 3 months I have to make the payment without receiving any statements anyway the late payment still on my credit and this is not a fair treatment from a bank who have an outdate billing system. 
Thanks for your attention of getting the problem solved and removing the late payment from my credit report. 
XXXX XXXX XXXX
USAA. No matter what I report to my own bank they laugh at me over charges fraudulent charges I have to fight for them to file with the FTC. I found over {$210.00} in overage charges from XXXX the teller last night actually told me I dont know what youre talking about Im sure XXXX did this I had to fight her and say no its all over the news they been hacked. And late XXXX of this year my husband actually took off for two days we were very worried I was on the phone with XXXX and USAA pointing out that there was a with drawl straight out of our savings the lady told me that it went somewhere in Texas he had left not 24 hours before without a car. They sat there and laughed at me while I reported my husband missing something weird is going on with this bank they treat me like XXXX and they take my money and laugh at me