WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I reviewed my Credit Report with Experian. I noticed my credit score was lower that it should have been after my due diligence I noticed that Experian was reporting that I had a Bankruptcy filed in XXXX. This is not accurate at all. There are so many people in California let alone the country that share my same name. It is very common, with all of the security breeches and Identity theft out there I can see how Experian may have mixed this up. One XX/XX/XXXX I sent a letter to Experian requesting that they open an investigation into the matter Cert Mail Tracking # XXXX which they received according to USPS on XX/XX/XXXX. Since this time frame I have only received a generic response into the matter. I requested that they open an investigation and I would like to know how they indeed found this negative information to be accurate and belong to me. In my research and due diligence I called the Court and asked how this information can be validated and why they would report such a thing and damage my Credit. The court told me they do not report to credit reporting agencies. They told me Experian gets its information through XXXX XXXX which sometimes may have errors. I requested in my letter to Experian that this matter NOT be validated through XXXX XXXX because with a name like XXXX XXXX it is so common and easily able to get mixed up. I asked that their response NOT be automated or have XXXX-XXXX verification because this would simply show negligence and not be in my best interest as a consumer and it would violate several laws of the Fair Credit Reporting Act. All I received back was a generic response which stated the Bankruptcy was validated. My letter was clear and it has yet to be looked at with care.
i am an XXXX XXXX service member, and i had a transmission go out in my vehicle. i took my truck to a local shop to have the transmission fixed. the company had companies that they had that would give you a loan to pay for the repairs since i could n't afford it at the time, and i got approved with duvera. after a couple of statements, i saw that i was getting charged nearly 96 % APR and that was outrageous. i call the company and told them i was a service member and that i could n't get charged that much for APR and they said they would fix it but nothing has happened. i opened the account XXXX XXXX, 2015 and after 2 years I 've only been able to pay down about XXXX dollars from my original loan and its been 2 years. i still owe about 80 %.
TransUnion is reporting XXXX incorrectly, the account is closed and paid they are reporting the account open with a {$0.00} balance late $ 30 days, I just pulled my updated report from XXXX. XXXX and XXXX is reporting correctly Paid {$0.00} balance pay status current, I have gone back and forth with TransUnion and XXXX this account has been paid since XXXX 2016 and XXXX was still reporting when they should n't have because they turned the account over to XXXX and XXXX
RE : Capital One This bank has refused to investigate any of my disputed transactions. 

These are the dates and amounts of my disputed transactions : XXXX XXXX- XXXX XXXX XXXX , XXXX US Posted Date : Saturday,XX/XX/XXXX Transaction Number:XXXX Amount $ {$87.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount : {$40.00} XXXX XXXX- XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX Amount {$24.00} XXXX XXXX XXXX XXXXXXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount : {$61.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday, XX/XX/XXXX Transaction Number:XXXX Amount : {$140.00} XXXX XXXX  XXXX XXXX XXXX Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$26.00} XXXX XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday , XX/XX/XXXX Transaction Number:XXXX Amount : {$68.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Tuesday, XX/XX/XXXX Transaction Number : XXXX {$1.00} Amount : {$83.00} XXXX XXXX XXXX XXXX, XXXX US Posted Date : Monday, XX/XX/XXXX Transaction Number : XXXX Amount {$140.00} XX/XX/XXXX - {$43.00} - XXXX XXXX XXXX XX/XX/XXXX - {$100.00} - XXXX XXXX XXXX XX/XX/XXXX - {$600.00} - XXXX XXXX XXXX XX/XX/XXXX - {$500.00} - XXXX XXXX XXXX XX/XX/XXXX -  {$500.00} - XXXX XXXX XXXX I can not get them to investigate these fradulent transaction nor will they give me provisional credit. I have given them ample amount of time to do something. I continue to get stonewalled with a boilerplate communication which have nothing to do with the transactions. Please help me in anyway you can. 

Thank you
I used the app XXXX XXXX to show a hard inquiry from Citizens Bank with an inquiry on XX/XX/2018. I don't recognize this inquiry, I've never spoken to anyone at this bank and this bank doesn't even have a branch in the state I live in. I called their corporate customer service number and the representative said they couldn't help and I needed to contact a branch manager. I contacted a branch manager and they said they couldn't help or didn't see my name attached to anything there and I should call XXXX. I called XXXX  and they said I needed to call Citizens bank. I explained to them what I'm explaining here and they said to file a complaint with you.
Puget Sound Collections is attempting to collect this debt in an unfair and unconscionable manner. I have stated numerous times the debt in question is unrelated to my XXXX accident, and therefore, I wanted to pay this debt immediately. Each and every time I spoke with a Puget Sound Collections representative, they advised me they would not speak to me as I had attorney representation. I have tried to take care of this debt however, Puget Sound Collections will not speak to me about the debt or tell me how much I need to pay to satisfy this debt. These actions are unfair and they are financially harming me. I hereby request that Puget Sound Collections take the following action : 1 ) remove this negative reporting from my credit bureau at once, 2 ) have a manager speak to me about my debt so I can make arrangements to satisfy this outstanding amount ( if the debt is truly non related to accident ). And last but not least they lied to me and my attorneys office stating this would not go on my credit until the accident has been resolved. They spoke with my attorneys office in XXXX 2015 and as of XXXX 2015 it has now been put on my credit report dropping me down XXXX points. I have worked to hard to have the cruel people ruin this. I Have No DEBT Was NOT Even Informed About this bill Until Months after and I have No Clue If IT Was even put Through My health Insurance thats Carpenters union. I 'm beyond upset by this company 's actions. Please help.
I was not late for credit first. I was not late for XXXX XXXX XXXX account ... payments were made and are current..
I applied for the Loan and was waiting for a response or call because that whats the message read. Instead there was no call the money just appeared in my bank account. Once that happened I thought oh that was easy and it was like great because I needed the money but then the more I thought about it I was like something isnt right. I called and was notified that for my {$800.00} loan I would ne expected to pat back {$4600.00}. I looked at the payment plan that was sent and that 's where I learned the Apr of 540 % thats when i knew I was in trouble. Please help!!
i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.
CFPB, The amount of the allege debt in question is {$1200.00}. This amount should be {$200.00}. I have been trying to resolve this matter with Central Financial Control and only to be ignored and transfer from department to department with no resolution in sight. 

I have sent out request for verification of this debt which requires Central Financial Control to obtain proper account level documentation and they have yet to provide me of this from the original creditor ( XXXX XXXX XXXX ). I even went as far as contacting XXXX XXXX XXXX and they have no records of this debt in their system. Central Financial Control continues to collect and report to all XXXX credit bureaus. 

In addition to this Central Financial is reporting to the credit bureaus that I 'm " Late '' causing severe damage to my credit report and score. How can this be when CFC is a collection agency and not lender or financial institution that grants installment or revolving lines of credit to consumers. This is a violation of the FCRA and FDCPA by misrepresentation of themselves. 

Another issue is " 1 month term '' being displayed. Again what contract or agreement did I enter with you at the time when you purchase this debt from XXXX XXXX XXXX. You are engaging in misleading and deceptive practices and collecting on debts that you can not obtain proper verification.
I have been personally fighting against identity theft for almost 5 years and have had fraud on my credit for almost 10 years now. 
I have successfully disputed almost all fraud accounts on my report but my identity identifiers that all the credit report companies use are STILL mostly about persons that is not me. 9 times out of 10, all the accounts mentioned in the verification questions consumers have to answer to verify their identity are from the fraud accounts that have long been taken off my credit report.

Just recently I learned that my credit report is very likely being mixed up with another person who has the same name, same birth year, and lives in the same state as I. Credit reports and background checks are showing personal information of the other person, cars that I don't own, relatives that aren't mine, medical bills and utilities that aren't mine.

I have submited numerous disputes, notifying credit reporters of the issue with my identity verification questions. The questions may get more accurate for a moment or two, but they always seem to cycle back into fraud accounts and fraud deatils about my life as basis for the questions.

I have never been able to see the official dispute reports since the verification questions will prevent me from loging in and viewing the results. Half the time I can't even start a dispute because either the website wont work on my phone ( my phone is only access to Internet ) or my user account gets blocked since I failed the verifications. I have requested many times for an official dispute history report so I can have it for my records and have the information on the fraudulent accounts and personal data that could help catch the persons using my identity for their gain. I have never received a response.

I have called many times with next to no assistance, on hold for 2+ hours or being transferred over and over untill I get too frustrated and hang up. I have requested fraud alerts on my credit to last 7 years only to find out a temp 6 month alert was placed instead.

Accounts I dispute and have taken off my credit successfully, will suddenly reapear on my credit. Sometimes under a different collection agency or a slightly different original crediter name. All of my student loans are reported twice on my credit and not resolution ever happens when I dispute it since my student loan collection agency is not a big fan of me since I have submitted many complaints of their collections practice. A couple of fraud accounts still on my report will up the debt balance EVERY WEEK I feel as I have received next to no support or real assistance at all with my identity theft problem. Dealing with all the credit report agencies is like pulling teeth.

I just want some actual answers and assistance with this matter. Identity theft has already crippled my credit, finances and education. I just want some help so I can finally start living my own life.
XXXX I took a 30 year interest only loan for {$690000.00} in XXXX, CA. We also took out a XXXX loan with an interest only adjustable HELOC ( purchase money loan ) for {$130000.00}. Both loans were with XXXX. 

The housing market crashed and around XXXX we were having trouble with our mortgage and HELOC. We completely stopped paying for our HELOC way back then. 
Our house was completely underwater. 

Both loans were with XXXX and we received a terrible loan modification that raised our payment and we went back into default. XXXX sold both loans to XXXX XXXX XXXX. Again, applied for loan modifications for over 2 plus years. Again, received another one that raised our payment. These modifications were not set up to help. Still we were not paying our XXXX. XXXX XXXX XXXX sold our HELOC loan to XXXX XXXX XXXX. Still no balance info and no payment made since XXXX. After many failed attempts I filed chapter XXXX BK in XXXX. 

Filed a complaint with CFPB about the predatory lending we had been through. Received and successfully completed a sustainable payment with a loan modification. We have been paying our 1st mortgage for over 3 years. It seems XXXX XXXX XXXX sold our loan to SLS Lending. They were part of the predatory lenders and I just received a letter from them about nothing I can understand. The letter was not dated, with no account info. I have not responded to them via phone, email or letter. I have filed a complaint with you as the validity of this debt they may or may not claim I owe. 

In addition, XXXX XXXX XXXX and XXXX both faced law suits and were ordered to forgive XXXX XXXX dollars in HELOC loans. We were never notified of this at the time and we believe this loan would fall under this category. We are current on our first loan and it is our primary residence. We can not afford to pay a new loan. Our 1st was modified based on hardship and we can not afford to move. I believe this HELOC loan should have been forgiven at the time of our loan modification as we were underwater. This week I filed XXXX complaints. XXXX for the HELOC to be forgiven based on a major settlement. And the second against SLS Lending for trying to validate or collect this debt that may or may not exist.
I pay my bills online through XXXX. I always pay on time. This is the 4th time in the last year that Carnival Master Card has claimed my payment is late and have charged me a late fee. Each time I have caught it and they have reversed the late fee as I have proof from my bank it was received on time. I think they are hoping people will not look at their bill and not see the late fee. They tell me I should send in my payment at least 5 days early to avoid this problem. The lady claimed the holidays might have made the processing take longer. I say that is your problem. You received my check, the processing time is your fault.
I have submitted multiple disputes including asking for method of verification on 2 XXXX and XXXX accounts they are reporting in error. Ive asked for supporting documents if they claim the account is verified. I called today on XXXX/XXXX/XXXX and spoke to a supervisor named XXXX XXXX. She stated they dont have ID numbers. I explained that they did not send any supporting documentation. She stated that they wont supply any physical documentation and that I have to request it myself. Basically all of my rights under the FCRA Section 611 ( a ) ( 6 ) and ( 7 ) are in violation. She proceeded to tell me that they dispute electronically so in actuality they did not verify these accounts properly. They refuse to send me any documentation. I would love to hear what they would have to say so that I can add it to my overwhelming documentation against their company
Please see complaint nos. XXXX, XXXX and XXXX. THIS IS NOT MY DEBT. CONN'S HAS KNOWN IT IS NOT MY DEBT FOR OVER A YEAR YET CONTINUES TO TRY AND ILLEGALLY COLLECT ON IT. THEY SAY THEY CAN'T FIND AN ACCOUNT ON ME. IF THEY WOULD ACTUALLY LOOK AT THE DOCUMENTS I HAVE PROVIDED MORE THAN ONCE, THEY WOULD SEE THAT THEY JUST RECENTLY RESOLD THIS DEBT ONCE AGAIN TO ONE OF THEIR MANY COLLECTION AGENCIES - WHICH WAS ILLEGAL BECAUSE 1) THE FIRST COLLECTION AGENCY THEY SOLD IT TO WAS UNABLE TO VALIDATE THE DEBT AND REMOVED IT FROM MY CREDIT LISTINGS OVER A YEAR AGO; AND 2) THEY RESOLD THE INVALIDATED DEBT TO ANOTHER DEBT COLLECTOR AFTER BEING PUT ON WRITTEN NOTICE THAT ALL COLLECTION ACTIVITY MUST CEASE UNDER FEDERAL LAW UNTIL THE ACCOUNT HAS BEEN VALIDATED. THEY ARE BREAKING THE LAW AND VIOLATING MY RIGHTS. I DEMAND THAT SOMETHING BE DONE.
These people call at all hours of the day repeatedly and are threatening to serve me with papers, I really do n't even know why anymore. I had an old debt, 11 years old that I thought was resolved by now but they wo n't stop calling. They are using my maiden name when they call and claim to have the last XXXX of my social, but I refuse to give them any information.
Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report
I co-signed on a loan for my step-daughter through key bank. Key bank is now charging me for XXXX large loans which are now in default. I did not take out XXXX large loans through key bank. I have asked them for both of the promissory notes multiple times. They will only send XXXX. I also believe that I am paying XXXX of the loans through XXXX. XXXX advised me that they currently hold a loan that was originated through Key Bank. I believe that I am being double charged for XXXX of the loans and the other loan does not exist.
Equifax credit reporting agency is giving hard time while I called and tried to dispute and remove an address from my credit file which does not belong to me. They asked almost 15 questions over the phone " in order to verify my identity ''. But before asking all this questions they've already verified my identity asking me my full name, my social security number, my date of birth and my current mailing address. They just waist American consumers times. They almost asked me to give a blood test to " verify mi identity ''. Whatever ... They are refusing to remove a former address from my credit file for no reason ( which is reporting in there but never been my former address ).
The original creditor was charging me for boxes which was XXXX. After switching companies a third party company working on behalf of XXXX came out to the home and picked up the equipment. I am assuming that there was a miscommunition between the two companies. The equipment has been picked up and verified. This debt has been removed several times, but is reinstated on my credit reports with the 5 day notification, nor reason why it is able to be reinstated on my credit report.
CRA is intentionally violating XXXX XXXX XXXX, Illinois consumer protection laws, Federal consumer protection laws, FCRA section 609.
My father submitted a payment on my behalf to Navient in order to pay off XXXX federal student loans which were taken out under my name for college back in the XXXX timeframe. The intent was to pay off these XXXX loans in full, and we made sure that we included the loan numbers and explicit instructions on how the funds should be disbursed. 
Navient applied my payment in error across all my federal student loans, as I have since taken out XXXX additional loans separately. As a result, they did not charge me for the XXXX newer loans last month. Their website showed a XXXX balance due - no other loan details, but I figured everything was okay. However when I went to make my regular payment this month, they still showed XXXX due. At this point it became apparent that they applied the funds in error to all of my loans. This does raise an additional point of contention with their " new website '', which does not really show enough information to make informed decisions about my payments. 
I immediately called Navient customer service and explained the situation, and the service rep told me it would be resolved and there would be no past due amount. Later that week, I received notification that action had been taken. It 's currently Friday night - Navient is closed - and I logged into the website to find that I now have XXXX past due notices on my account. 
Furthermore, even though I am on a fixed monthly payment for my remaining, consolidated federal loans, they charge me an additional {$75.00} every third month for no apparent reason. The customer service representative I spoke to earlier this week explained to me that this had to do with the disposition of the loan, but could n't explain why the amount was different from the agreed upon terms of the consolidation. 
I 'm completely fed up with the servicer Navient at this point. I will continue calling them to straighten out the past due amounts and attempt to resolve the situation but I do n't feel that they are acting in good faith, in competence, and I 'm seriously concerned that they have been overcharging me even though I have never missed or made a late payment. Any help you can provide in dealing with them would be appreciated.
Last week I received a phone call from my payroll department at my job stating they had received a call from Ashton and Weinberg asking questions about me and trying to verify whether or not I still work at my job. I work XXXX XXXX XXXX home in XXXX, PA. They were given a name and number but I had told them to just throw it out that I had the information already. I received a phone call this morning XXXX XXXX 2016 at XXXX from an unknown number. The person stated his name was XXXX and he was calling in regards to a debt consumer credit card with XXXX that is now in collections. He told me that they were in the process of reviewing my account and that if I was unable to set up some kind of payment plan today. That he was going to refer to the debt collection company to proceed with doing a wage garnish on me. I said to him I did n't know you could garnish someone 's wages for a debt collection without going to court first. He said to me yes we certainly can. So I asked him how much were these wage garnishes going to be. He said that the number varies depending on different things. He stated that it will go by how much I make and it will go by my gross pay not net. So then I started to explain my current situation and told him how I do n't have the money right now to even set up a payment plan that my bank account is in the negative. So then he proceeded to start talking about my other debts stating that would also be put into consideration so the wages garnished wo n't be too high. Then I asked him how much do I owe & it was {$1300.00} and some change. I told him I could set up some kind of plan once I got my income tax. He said I would need to do something today for them not to garnish my wages. I then said well let me talk to my mom and dad and see if I can borrow money to pay this off and then just pay them back at income tax time. So I asked him how much would I need if I were to do a full pay off today and he told me {$900.00}. 

He was from Ashton & Weinberg Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX Telephone : ( XXXX ) XXXX http : //www.awcollect.com/ I have since learned that wage garnishment is illegal in Pennsylvania.
Transworld Systems Inc. is trying to collects a debt I do not owe from their client XXXX in XXXX Texas XXXX. I NEVER signed any documents, never received any copies of my signature of a membership due to the membership being a gift from my mom. Because of a gift, I owe XXXX and do not wish to pay the amount due to something I never signed up for. I want this disputed and off my credit report. Every document has my mothers signature, Please talk with this company and remove me off the list and all lists. Thankyou