WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed with Transunion, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. Transunion is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although Transunion has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they report.
The company, Simm Associates, continues to call our home repeatedly after we have told them that we are not the debtors whom they seek. They call at all hours and are unresponsive to our requests to take our phone number off the call list.
On Tuesday XX/XX/2018, I received recurring harassment calls from Phoenix Financial. This collection agency called me four times back to back that morning initially just calling and suddenly hanging up before I could answer. When I attempted to call back I spoke with a rep who failed to provide her name ; stated that I had reached a company called Phoenix Financial and they were trying to reach a woman named " XXXX ''. I explained that they had called the wrong number at which point the rep advised that she would remove my number and then she abruptly hung up. After that initial call I received a total of five more calls from this same number. I was at work and I unable to answer or leave my desk. Shortly after I called the company back and demanded to speak with a supervisor ; a man who refused to provide his name was very rude and indicated that he refused to help me because I would not provide my name and ssn # information. I explained that I did not want to provide that info because I didn't have any business with their company and I had already advised previous rep that they were calling the wrong number. At this point the man hung up. I called back and spoke with someone named XXXX said that he was a supervisor stated that he would not help me because I was recording the call for evidence to support my complaint against them at which point this " supervisor '' hung up on me again. I called back a third time and spoke to some named XXXX XXXX who advised me that he was in fact the floor supervisor and not the gentlemen " XXXX '' that I had spoken to before. I told him that I was being harassed by his company and nearly 9 calls had come to my phone just within the last couple of hours. At this point XXXX XXXX acted as though he didn't know what I was talking about ; says that they were not in fact looking for someone for " XXXX '' now he was referring to someone name " XXXX ''. I explained that I didn't know either of these people and prev rep had already been advised that it was a wrong number at this point I felt that the entire situation was a scam because a lot of mixed information was being provided not only regarding who they were looking to speak with but also how/why my phone number continues to be called. XXXX XXXX chose to argue the fact of the recurring calls ; I explained that I know the law behind fair debt collection practices ; FDCPA and HIPPA. The gentlemen did not assure me that my telephone number would be removed nor did he apologize for the harassment. I advised that I would be filling a complaint and ended the call.
My Barclay Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for Barclays Card XXXX for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with XXXX and was told that Barclay Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. Barclay Bank is not reporting accurately even after making my settlement amount. XXXX has collected the whole settled amount for Barclay Bank but Barclay Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with Barclay Bank.
My credit report shows that I have a collection fr om Credit Management rep resenting  XXXX   XXXX   XXXX . Account opened  XXXX   XXXX  balance {$180.00} I have not had a cable service since  XXXX  .I m oved to California in  XXXX   XXXX . I just ordered cable service last month for the first time since  XXXX . Not  XXXX   XXXX   XXXX . My cable account was closed and paid in full over and cable box was turned  in seven yea rs ago with  XXXX   XXXX   XXXX . The unit I lived in was vacant for over 2 years so I do not know who would have used  XXXX   XXXX   XXXX . This is a fraudulent account and it should not be on my credit report. The collection agency shows the account was opened  XXXX   XXXX . I cant have a debt from  XXXX   XXXX   XXXX   XXXX  on report that is o ver seven   years old . And the collection is trying to make a new collection on something that should have never been a collection to begin with.
I did an extensive background check on my XXXX County collection report and found that my debt is due to unpaid Medical services. Well I made them aware at that moment that I am recieving government aid and have been since XX/XX/1999. Well I was told that there was no medical coverage recorded. But if my medi-cal information was serquestered as I requested then there should be no bill. The Fire Department charged off my overdue ambulance service bills and that is 79 % if not more of my credit debt. I would like it reivestigated and corrected as the Fire Department and the Collections Co. said it can be done ... please. This has affected my bank accounts, credit cards, etc ...
I asked for proof of the debt they never sent it to me and now they put it on my credit report again after I disputed this with another company before this last XXXX and they still keep dragging my credit for an account they can not prove that is mines I never had XXXX in 2010 cuz I did n't even live at this address when they claimed I had this account and I want them to stop doing this to me
The Equifax hack has made my families personal information available to the dark web. Equifax hack check indicates 3 in my family " potentially '' have had our info stolen. From numerous articles it was indicated putting a freeze on our accounts, on all four services ( XXXX, Equifax, XXXX XXXX XXXX ), is the best thing to do. From my understanding if your information was stolen, there should be no fee for the freeze. XXXX and XXXX charged me {$10.00} each to put a freeze on and they indicate we could be charged {$10.00} for each freeze / unfreeze. 

1 ) I want Equifax to refund these fees as their hack is not my fault.
2 ) I want FREE credit monitoring from Equifax for life for everyone in my family 3 ) I want not fees to unfreeze and refreeze my accounts.
4 ) Equifax execs need to go to jail for insider trading as they sold stock after the hack and before they informed the public
The XXXX, TX address they keep showing on my personal information is not my address and Has never been. That address belongs to XXXX XXXX XXXX which is my daughter. 
Please have it removed.
Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is U.S Bank for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP
On XXXX XXXX, 2015, I paid the original creditor, Tax Collector XXXX of XXXX {$860.00}. 

Yet, on XXXX XXXX, 2015, collection agency Credit Information Bureau verified the account with the all credit reporting agencies, and updated the trade-line XXXX to PAID then updated it to CLOSED. 

I am confused, as Credit Information Bureau has not provided me any credit, loan or service. I have documentation from the XXXX of XXXX of my paid in full payment, yet the credit reporting agencies are still allowing Credit Information Bureau to verify and update which is adversely affecting my credit rating. 

I have sent letters ( certified mail ) to Credit Information Bureau ( dated XXXX XXXX, 2015, XXXX XXXX, 2015 ) asking them to validate this account. I received no response to either letters. 

I have also sent letters and done on-line disputes to XXXX, asking the agency verify the account, yet it continues to report the inaccurate information.
I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX  and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with Experian, XXXX, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both Experian and XXXX  have refused to remove this negative item from XX/XX/XXXX from my credit report.
After hearing about the recent allegations against Navient, I would like my loans verified. If they ca n't be verified, I would like them removed from my report.
On XX/XX/2014 XXXX XXXX was to receive a wire transfer from a XXXX client. 
The wire of {$40000.00} was sent to a scam account that a Wells Fargo employee opened in the name of XXXX XXXX, which we had no knowledge of. 
The client sent us the wire transfer receipt which showed the receiving bank as Wells Fargo, XXXX XXXX Branch We have no knowledge of this account and our account is in XXXX in XXXX. 
We called the Wells Fargo Branch immediately. The funds were still in the account. We told them this is a fraud. They did not help us. The next day a person walked into the XXXX XXXX Wells Fargo branch and withdrew the {$40000.00} and closed the account. 
I am the XXXX of the company. The owner is an XXXX year old man that is ill. This loss was devastating and the company had to close their office and work from a home location. 
We are pleading that you assist us. 
We filed a complint with yur bureau XX/XX/2014. You did not retrieve our money. Now that Wells Fargo is in the news with exactly the scam that happened to us we are hoping that you will help us be paid the amount of {$40000.00}.
XX/XX/XXXX {$5000.00} I applied for the first loan in XX/XX/XXXX. I was denied because of a non-traditonal banking account. I have applied several times online since then and I have contacted them. 
Their online system will not allow for me to place an new application. It shows the old application - DENIED. It has been almost seven months and I am not allowed to apply for a new loan. 
They are not trying to correct it. I thought a person could apply for a loan at any time. It WILL NOT ALLOW ME TO PLACE AN APPLICATION ONLINE.
I got a consolidation loan from my credit XXXX XXXX XXXX XXXX. They submitted a payment for {$3800.00} which was an overpayment of {$29.00}. I received the refund check, but account not closed. Phoned three times, wrote and chatted two times recently. Still have n't closed, saying it needs to stay open for two credit cycles. Now they have charged {$3.00} on cash advances! I wo n't pay it. XXXX when check was overnighted, requested account to be closed!
Some opened an account in My name Even though it was {$5.00} still Navy Federal Credit Union is asking Me to pay
Use of Gap Visa card issued by GE Capital Retail Bank was declined on XX/XX/XXXX. Card has expiration of XX/XX/XXXX and has a credit balance. Customer Service says card cancelled because issuing new one with chip. Other card companies keep card valid until new card activated. A declined card is embarrassing. This practice is poor customer service and relations.
My loan is currently being serviced by XXXX XXXX. A lender/servicer can not collect on a debt that is transferred during the default of the loan. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered in the State of California the Deed of Trust shall be void ab initio. My violations as a homeowner have been severely violated at this point and XXXX XXXX has failed to reach out to me nor provide me with the opportunity to explore my options.
Received multiple calls and one voicemail. In the voicemail the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt. I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX
bank of america is refusing to disclose how many fees charged my account. 
over {$500.00} since XX/XX/2015. 

in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch
My payment came due on XX/XX/2016, I received 10 phone calls from Conn 's everyday. Then a lady calls my husband cell phone and proceeds to him all of my information, when my payment is due, how much it is and asked if he is still roared to y on the account. His Name is no where on the account. He asked the lady on the phone to speak with her supervisor because he knew that what she had just done was illegal, she tells him that they are all in a meeting and hangs up.
I have reoccurring payments taken from my checking account for my students loans. My provider is Navient. Every once in awhile, I will make an additional payment on XXXX of my loans. Lets call it XXXX XXXX. This is not to be confused with paying ahead, every time I make this payment, I call a customer representative and tell them I want the payment to just pay off any outstanding interest, and the rest on the principal of the loan. My monthly reoccurring payment should remain the same, and I pay the same amount. 

It appears to work, as the monthly payment is taken out of my account, on the same date, just like normal, costing the same amount as always. The problem is, XXXX XXXX will not have the monthly payment taken from the principal. It is like no payment was made on XXXX XXXX. My other loans will have their principal reduced as normal, just not the specific loan I made that one-off payment on. 

So my monthly payment of XXXX $ a month for XXXX XXXX is literally pocketed by Navient. This happens EVERY time I make an additional payment on XXXX of my loans. It is not a human error, but a systemic error built in the system. It has gotten to the point where I keep track of my loan balance before and after every monthly payment because I can not trust the company. They literally are stealing this money from me, and probably hundreds of other unaware people.
XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong
I recently received my credit report and noticed there are inquires  on it that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.
We are contacting your agency in regards to multiple calls by what we call robocallers which is like persons in order to obtain personal information such as social security number, birth date account information and collection accounts that do not exist on our credit report. 
Obtaining information such as financial information posing as IRS agents and sending out false documentation in order to fraudulently remove are IRS refund checks. 
Posing and contacting as persons offering jobs or Services needing Social Security numbers, birth dates, name and address same organized group of criminals posing threats to Identity, data breaches and Financial obstruction of justice.

We are requesting that our phone number be placed on the Do Not Call registry for three consecutive years and that a renewal be submitted to us upon expiration Thank you
I mailed this company a certified mail via US mail in an attempt to have the company validate the debt. The letter was returned to me via us mail because the address that is listed on my credit report is invalid. By law this ca n't be reported on my credit file especially since the debt is unable to validated
My car was repossessed at my home in Florida in XXXX of 2015. My account address was listing as Florida and the car was registered to the same address in Florida where the car was repossessed. I never received any documentation after the repo. After seeing the repo on my credit report I have contacted the company and they sent my notice of intent to sale and explanation of surplus or deficiency to my old address in North Carolina instead of my known address in Florida. I believe that this was done purposely.
1st Merit closed my direct deposit checking account and sent it to collections for unpaid overdraft charges. The USPS sent 2 direct deposit payments to the closed account totaling XXXX. 1st Merit seized the funds directly for an obligation totaling XXXX instead of properly following Michigan debt collection law or establish a repayment plan.
No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX HOSPITAL ) XXXX
XXXX XXXX who is on this mortgage died suddenly I was not on the loan at all I am filing to be personal rep of his estate I am filing that in the morning with the court. I have not been able to since the weather has been so cold and snowy. 
I will request that the Judge orders a stay on the foreclosure and eviction. 
I am XXXX old and have medical problems and no assistance
Credit reports state no payment made for the month of XX/XX/2015. According to banks own records this is not accurate.
Last XXXX, Paypal placed a limitation on my account and blocked me from accessing my balance citing that they have up to XXXX days to do so. XXXX days have passed but they still blocked my access to my money.
XXXX still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$330.00}
Hard inquiry done twice on same day for same purpose with XXXX XXXX XXXX XXXX