WillisBack/dataset-financial-user-claim huggingface dataset:
Four times in the last 10 years, a debt collection agency has written/called to collect a debt of a person who, by marriage, had the same first and last name as me. Each of the XXXX previous agencies has ( after every excuse in the book ) finally left me alone. And then apparently sold off this issue to yet another agency. When & how do I get relief from this abuse? At no time has any of these agencies ever been able to establish that this debt is mine. But they have obtained my SSAN and lie to me, saying my SSAN was on this debt, threaten lawsuit and credit reporting, and say that since I can not prove that this debt is not mine, they will continue to attempt collection. Well guess what? If the debt is not mine, how could I possibly have any proof about the debt, one way or another?
My brother received a phone call from a man named XXXX XXXX who stated that he worked for the Law Offices of Scott Carruthers of XXXX, Ca and during the phone call he had disclosed information to my brother about a pending court date which I was informed by my legal resource that he is not allowed to do so by law. He has been calling other people including the aunt of my ex girlfriend whom I 've never even met. How he got that information I have no clue. I have also had some local courier chasing after me trying to serve me with a wage garnishment notice which I was informed is also not legal. Also, This courier had my social security number and repeated it over the phone and in the background it sounded as if he were in a populated and non discrete area where others may have heard him repeat my social security number.
I have been harassed by this company XXXX XXXX since XX/XX/XXXX and prior to this date. They have been calling my home number and cell number requesting payments be made. I am receiving statements in the mail requesting payments on a balance of {$1000.00}. They are claiming they had purchased my account that I had with XXXX XXXX. My supposively charge off date with XXXX XXXX was XX/XX/XXXX. XXXX have sent letters offering reduced payment options. This company has sent negative reports to all three credit bureaus ( XXXX, XXXX, and XXXX Credit ) with an open account date of XX/XX/XXXX. I have sent a certified letter to XXXX requesting this information be immediately deleted from my credit file and to provide me with copies of any documents associated with this account, bearing my signature with XXXX showing that I owe them.
They denied me stating that they used VA 's guidelines. Va 's guidelines state I didn ot have to have a clear XXXX report.
Attached please find [ 4 ] Form XXXX issued by XXXX wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following XXXX Credit Card accounts which I have repeatedly disputed. XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. Each dispute was met by XXXX 's claimthat they verified the account as accurate. Recently, I received refund checks from XXXX related to these accounts. I was told XXXX had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The XXXX revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain XXXX members would be reimbursed for XXXX 's errant ways. 

As the attached XXXX will attest, XXXX has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, Experian, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. 

The continued publication and dissimination of this inaccurate credit information is a manifest injustice. 

Next, I have been unable to " get verified '' by XXXX XXXX, Experian  or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX XXXX Inquiry from XXXX XXXX, XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 19. XXXX XXXX Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23. XXXX XXXX Inquiry from XX/XX/XXXX 24. XXXX XXXX Inquiry from XX/XX/XXXX 25. XXXX XXXX Inquiry from XX/XX/XXXX 26. XXXX Inquiry from XX/XX/XXXX 27. XXXX XXXX Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
I am not happy with the previous outcome of my complaint. I started the process before my loan was sold to  XXXX  in  XXXX    XXXX  . I spoke with the account  specialist assig ned to my account and was told she had all the paperwork. Listen to the recorded calls. Bank of America dropped the ball again! The need to remedy the situation and stop passing the buck.
All of my Student loans were discharged, not in bankruptcy, but because I had been in and out of XXXX and was completely unable to pay. I am still unable to pay the 1983 debt they are attempting to collect now. It was not a Federal student loan as depicted, but a collection of fees from university of XXXX for things like parking tickets. The debt is decades past statute of limitations. This company keeps trying this with me under different names such as XXXX, trying to get me to make a payment thus obligating myself legally to whatever inflated amount they choose, because it worked once and I 'm still paying them. They are likely doing this to multiple people and need to be investigated. They have changed the name of their business again. I 'm sure if this amount was paid, they would come after me again with yet another moniker to collect under. This debt is both misrepresented as Federal and well beyond statute of limitations.
I made a reservation at a XXXX weeks prior to use. The booking agent would not accept the code for the wedding party discount. I asked to cancel the reservation. He said no unless the motel manger agrees. I asked manager she said OK if the agent agrees. Neither one would cancel and told me there were no cancellations or refunds. 
I appealed to my credit card carrier Chase Card Services and was told I would have to pay even thought they had not seen my circumstances in the form they sent me. 
I was told by Chase Card Services that I would have to pay even though services were not rendered.
The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report
I intend this message finds you well. My son and I purchased a new XXXX in XX/XX/2018 from XXXX XXXX XXXX XXXX. The car was purchased as I am XXXX XXXXl and need to get to doctors appointments etc. When we went into XXXX XXXX XXXX  we went using the XXXX XXXX program to be sure we did not have to haggle for a car. When we went to financing the finance lady in which her name escapes me since I have a XXXX XXXX and have memory issues ( She is listed on my account at XXXX XXXX ). She was moving quickly and was fully aware we were going to get a cashiers check to purchase the car. Both of our credit was pulled on this day without our knowledge and again mine was pulled by XXXX XXXX in XX/XX/2018 in which I NEVER gave authorization for this to happen nor did they call me to discuss the erroneous incident. I found out while I was checking my credit as I was told by the lady finance manager who assisted us that she was going to fix the credit issues I brought to her attention in XX/XX/2018. She stopped following up and I finally went above her to XXXX XXXX in which I felt he assisted as much as he could. No one followed up once both my son and I signed letters for XXXX XXXX to send to the credit agencies. I requested them to be sent certified mail, registered mail and XXXX XXXX to insure it gets there. In the meantime I put an inquiry on all the credit agencies to dispute the credit inquiries from XXXX XXXX and XXXX XXXX and they were denied by XXXX XXXX and XXXX XXXX???? WHAT???? I also called and because I am NOT the owner of the inquiry I could NOT delete them even though there were erroneously done. I was told to wait 60 days and waited 90 called the bureaus and nothing has yet to be done. I followed up with XXXX XXXX and apparently I have a new rep XXXX that was going to take this over and call me. I never received a call back from him so I followed up 2 weeks later. This has just been a ridiculous process and it seems to be getting nowhere other than XXXX getting their money for a car and not caring about the negative outcome of running my credit report and these are hard inquires. What got me really fired up is I am in the process of purchasing a home and these hard inquiries are causing me problems per my lender and interest rates will be higher because my credit went down. I believe the finance manager was getting kick backs from whomever they use to run credit reports ( I found this out from a source I am not willing to bring into this situation ) which I think is appalling and to take advantage of someone whos is XXXX XXXX XXXX and I didnt even mention how she treated my son and profiled him because of his arm tattoos. My son has never been in trouble with the law no traffic tickets and provides fully for himself and helps me. I am appalled that such a large company lacks integrity and ethics and allow their staff to profile others who are trying to purchase a brand new car. I am thoroughly disgusted with how unprofessional XXXX XXXX and XXXX XXXX have been with us and that they are allowed to pull credit reports erroneously and get away with it!
OnXX/XX/XXXXFay Servicing Loss Draft Dept received my package concerning a damage loss at a rental home that I own, XXXX XXXX XXXX XXXX, Fl XXXX This package contained two checks from my insurance company made payable to me and Fay Servicing. I enclosed their completed paperwork, that they requested. I have already paid to repair the home out of my pocket so my tenant would be able to live in the home This happened in XXXX. To date,XX/XX/XXXX, I have not received my insurance money back from Fay Servicing. I have not been contacted by their inspector to verify that the work was completed. I have called every day to their customer service dept and have gotten no help from them. This is totally wrong I am the one who suffered the loss, I am the one who pays the insurance premiums, and they are holding my money. Please help me get my insurance money sent the me.
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to TransUnion several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX/XXXX. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Lender set an original closing date on my loan for XXXX XXXX, 2016 but had not collected enough information needed to close so we were not able to close. I am now going into the fourth month with no set closing date and lender is asking for a lot of same information already provided. Does not respond when ask what is needed to close. I feel that I am being put in line behind other buyers for whatever reason.
I did an online dispute XX/XX/18. The company updated the account within the 30 days. I sent via certified mail a letter requesting the company verify information on XX/XX/18. ( Example uploaded ) The company deleted the account XXXX stating meeting FCRA requirements. On today XX/XX/18 the company put the deleted item back on report and removed the wrong account ( XXXX XXXX XXXX XXXX ) ( uploaded screenshots ).
I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
I have attempted four times to freeze my credit at Equifax.com, following the revelation that they had been hacked. Each time I was sent to a different page telling me they could not process my request or that I should mail them my personal information by mail and then they would process my request. They asked for my full Social Security number, which seems wholly unnecessary, considering they apparently possess a large amount of information about me. Time is of the essence if my info has been compromised. I also object to the suggestion by Equifax that I should have to pay for my credit account to be frozen when I did not ask for the company to include me in their for-profit information scheme. I understand that they may be experiencing high traffic at their website but that again is not really my problem. I want to freeze my credit profile and I do want to pay for the privilege.
Since I last reported XXXX to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.
someone has used my personal information to open up this account that is not mine ... my information has been stolen and this was opened fraudulently i have filed a report with the police department regarding this matter.
I checked my credit on credit karma and it said that I had a new inquiry. I havent tried to get an inquiry since I purchased my bed in XXXX. Credit karma says its syncb/XXXX.
In or around 2007 I received student loans which were eventually serviced by XXXX XXXX XXXX. Due to delinquency I sought legal assistance and settled my balance for the loans which was paid in the amount of {$13000.00}. I recently learned of XXXX XXXX XXXX improper collection practices and as such, I would like my account reviewed and to receive a refund of all settlement monies paid should it be found the the company did not have the right to collect this money. Thank you for your time and assistance.
The company Bryant and Bryant contacted my wife in an attempt to contact me, but left contact information for me to return my call. The number was XXXX and it was XXXX XXXX. She pointed to a payday loan that I owed through XXXX services, but I have never taken out a payday loan. She was then trying to seek out other information or narrow down who I was, but I gave out no info. This was a very fishy sounding call and resulted in nothing that I know of.
Capitol One for {$5100.00} opened XXXX/2015. Not mine.
My complaint on 3rd party collector : Persolve LLC XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX In XX/XX/XXXX this company put a hold on my account for the amount {$6.00}, XXXX and took out {$540.00} from one account and {$10.00} from another. That's how I found out they have a judgement against me for credit card opened under my name in XXXX, which I never opened. They served me trough XXXX XXXXXXXX XXXX in XX/XX/XXXX, because they are claiming they was not able to find me. Since then I am trying to resolve this issue and they are not responding to any of my phone calls, I am living msges constantly but no respond. I spoke with a person or clerk who not authorize to settle the cases but he said he will talk to the attorney. They don't even know I have assets or no, because he said on the phone we can put a lean on your house and this house I am not even renting anymore and it does not belong to me. Please help me to resolve this issue. This is not good company to work with and they go for your money.
I have sent numerous letters to the credit reporting agency. All I have received back is " verified '' and NO PROOF of what is being reported to my consumer file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the agency reporting disclose to me all of the documents that they have recorded and retained in their files at the time of this request concerning the accounts that they are reporting in my credit report. I have asked for them to " Please dont respond to my request by saying that these accounts have been verified ''. I have asked for them to send me copies of the documents that they have in their files that were used to verify the said accounts that I had disputes over. If they did not have any documentation in your files to verify the accuracy of these disputed accounts I asked them to please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and creditworthiness. Today on XX/XX/XXXX I made yet another call to this credit reporting agency. I was transferred to employee " XXXX '' who claimed he did to have an employee number to provide me with and would only say " I am out of XXXX, TX '' he argued with me endlessly that Experian is NOT required to follow federal reporting standards of completeness and COMPLIANCE or XXXX XXXX reporting laws. He explained that they may report ANY adverse information they would like, and they do not have the follow the Fair Credit Reporting Act, 15 U.S.C. 1681g or Section 611 ( a ) ( 5 ) ( A ) ( i ) and provide me with what I am requesting. He said they refuse to delete the information that is being reported wrong and there is nothing he or Experian will do further to assist me, my complaint or my request for documentation they are using to verify and report these accounts. I have kept very accurate records sinceXX/XX/XXXXof all my complaints to this company, and if they are not compliant after this complaint I will be filing a lawsuit for a significant amount for, but not limited to, the following .... Defamation Negligent Enablement of Identity Fraud .Damage to my reputation and creditworthiness Violation of the Fair Debt Collection Practices Act ( including but not limited to 15 U.S.C. 1681g ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 611 ( a ) ( 5 ) ( A ) ( i ) ) I have been more than patient with this company as it has been over 6 months since my initial complaint. I have also recorded the conversation dated todayXX/XX/XXXX for my records.
Hello, I have a Private Student Loan through Navient. I am paying XXXX dollars a month at a high interest rate. I have tried repeatedly to lower my monthly payment and they have been no help at all. They advertise monthly income rates, and have not allowed me to apply. I feel that the information they have given my family has been vague and misleading.
I can no longer login to my BBVA Compass credit card account. When I attempt to call the company, the phone number listed on the back of the credit card abruptly disconnects with an error message before I can talk to anyone. I called a separate phone number, and the technical support rep assured me they would send me an e-mail to reset my account, but the message never arrived. Although, an e-mail from Compass did arrive, it didn't have any instructions on how to reset my password. I have been dealing with this issue for about a week. I just want to pay my bill, but the company won't allow me to.
Previously unresolved issue by CFPB, where agent ordered Paypal to pay {$2400.00} funds to this buyer, but Paypal had never paid claiming other person made the purchases a DELIBERATLY FALSE, DECEIVING STATEMENT. The same person made the purchases, and the funds to be deposited to THE SAME PERSON 'S ALREADY KNOWN SAME ACCOUNT!!