WillisBack/dataset-financial-user-claim huggingface dataset:
There is an amount from a rental agreement that was terminated. The property management company sent a certified letter imposing claims on my security deposit. I sent within 15 days, a certified letter disputed the claim. This was in XXXX of XXXX. I have not heard anything from my former property management company. I received a call approximately in XXXX XXXX from Capital Accounts stating the have a debt from my former property management company. I asked for an itemized account of what was owed. They sent me a letter on XXXX/XXXX/XXXX with the lease agreement, and a ledger. On the ledger, there was an amount for repairs. I called Capital Accounts and asked again, for an itemized record of the amount that I am disputing. To this date, they have not submitted to me validation of the debt.
I recently started a Credit Monitoring Service because my wife noticed a large amount of mail coming to the house which we usually just dismissed as wrong address or wrong person. We travel extensively overseas and never use credit much at all to keep from accumulating debt. We have been overwhelmed as we look at her credit file and my own to find erroneous accounts that have accumulated over the years un-noticed by us. We are going to have to check all our personal accounts both here an abroad as well as our personal information immediately for fraudulent activity. We are filing this affidavit as a first step to protecting our personal information from this day further. We hope that this will assure us of protecting our good names in the future.
" XXXX '' from United Recovery Systems ( URS ) ( XXXX ) keeps calling my client, XXXX XXXX for a debt that she either does not owe or was fully paid in a settlement ( attached ). 

URS is contacting a represented party ; misrepresenting that a debt is due when it is not ; and harassing a consumer without any defense.
XXXX XXXX reported me late when I had been in contact with them to resolve the issues. I had been paying and making agreements with XXXX XXXX to not report me late but accept the partial payment until I could rectify the problem.
I used XXXX to get information as to what was the cause of my credit score being what it was on a previous inquiry. I followed the steps and the end result included things that I was expecting, but it was a shock to see info that I was not able to accept. My report number is XXXX. As I scrolled down the line of the names on my report, the first few were recognizable to me as ways I could be identified. The fourth listing was a bit out of the ordinary, due to the place where usually you either see your middle initial or your full middle name. The number of this listing was XXXX. 
Next on the list of names was a completely incorrect spelling of my first name, the number of that listing was XXXX. 
The next was another complete misspelling of my first name. The number of that listing was XXXX. 
These obvious mistakes led me to believe that someone other than myself had used my name and did not know the correct way to spell it. 
The next to the last name on the list was not what could be a mistaken spelling of my name, but a different first name in it's entirety, but my correct last name. This number was XXXX. 
The last one that I questioned was number XXXX. This was my first name and the first three letters of my middle name added to it as if to be all one name. 
When I am filling out any sort of file, application, report, etc. I will do as the instructions ask. This is most likely either to insert full middle name or middle initial. 
I am now concerned that someone besides myself has used my name without my knowledge or permission. 
The list of addresses also contained two addresses that I have never been a resident of. These numbers are XXXX and XXXX. 
Phone numbers that I am not familiar with XXXX. The other two are familiar to me, they are the home numbers of the house I own, and the other is the number for the house of my boyfriend of 15 years. The XXXX is still the active house number where I am an owner. 
The names and dates of the agencies on the report are also not ones that I am familiar with. They are XXXX XXXX # XXXX. Balance {$300.00}. Date opened XX/XX/XXXX and past due date of XX/XX/XXXX XXXX XXXX # XXXX. Balance {$460.00}. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX XXXX # XXXX. Balance {$75.00}. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX XXXX # XXXX. Balance {$75.00}. Date opened XX/XX/XXXX. Past due date XX/XX/XXXX. 
XXXX XXXX # XXXX. Date opened XX/XX/XXXX. Past due date of XX/XX/XXXX. 
XXXX 's XXXX # XXXX. Balance $ XXXX, XXXX, Never XXXX. Opened XX/XX/XXXX. 
XXXX XXXX. The only thing stated in this listing was an inquiry on XX/XX/XXXX. And what looks to be a phone number XXXX. 
I am requesting more information about these concerns. Please help me to get a better understanding of the report I was given. Thank you.
Working night and day right now to stave off attacks from Navient. After hiring an attorney and disputing the debt for my education ( a huge economic loss ), the debt should go into a " disputed '' status. Which means by law I can withhold payments while the investigation is taking place. The creditor may not take any legal or other action to collect the disputed amount and related charges ( including finance charges ) during the investigation. Everyone is entitled to dispute a debt and investigate the lender for any violations of the contract or validation of the debt. In most cases, the lender would not even be able to provide proper documentation tying you to the debt. These violations, combined with unlawful debt collection practices, and the complete disregard of the law ( by Navient ) is the reason behind this complaint. 

Cease and desist letters went out. Of course, I anticipated the Navient would report the loan as delinquent. And they did. This had a huge negative impact on my credit, of which I will be disputing my accounts with the credit bureau. After being bombarded with calls from the Navient, they then turned their attention to the co-signer ( my parents ), demanding they start making payments. This is again in violation of the law ; they are legally required to work directly through my attorney. They then reported my parents to the credit bureaus as delinquent after they were unable to extract money from them. This has affected their credit as well as they are now unable to re-finance their mortgage. This has also affected family relations. We live in a XXXX bedroom apartment with very little living space. We are unable to take out credit of any shape or form. The very basic requirements for living in today 's society and our entire future is currently on hold. 

NAVIENT IS A PREDATORY LENDER WITH NO REGARD FOR CONSUMER PROTECTION LAWS OR PEOPLE 'S LIVES. THESE LOAN SHARKS PREY ON XXXX OLD HIGH SCHOOL GRADUATES WHICH ARE UN-INFORMED & INCAPABLE OF MAKING DECISIONS THAT WILL IMPACT THE REST OF THEIR FUTURE. THEY THEN ENGAGE IN DECEPTIVE BILLING PRACTICES AND INCORRECT CREDIT REPORTING, MAKING BASIC LIVING IN THE U.S. NEARLY IMPOSSIBLE. PLEASE ASSIST US IN BRINGING ACCOUNTABILITY AND JUSTICE TO THESE LOAN SHARKS.
I have yet to receive our results from Transunion regarding our dispute. I am requesting an error to be removed from my credit report as it in an error.
On XX/XX/XXXX Essential Lending an unauthorized check against my XXXX XXXX XXXX checking account for the amount of XXXX. I borrowed XXXX dollars from Essential Lending back in XX/XX/XXXX, due to medical financial issues I asked to be put on a XXXX dollar per month payment plan. The plan was approved by Essential Lending until XX/XX/XXXX. My original payments were XXXX. Came XX/XX/XXXX made several attempts to contact Essential Lending, via phone and email to discuss further plans for my payments. Essential Lending took upon themselves to write a check against my account without my authorization of XXXX. Below is a copy and paste of one of my conversations with Essential Lending along with the manager name and contact information. 

On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Hi XXXX, I will be able to start making my agreed to payment of XXXX come XX/XX/XXXX. If I can do the XXXX this month and XX/XX/XXXX, I will be good to go starting in XX/XX/XXXX. 

Thanks XXXX XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : Good Morning XXXX, I am sorry I was unable to get back to you yesterday. 

I wasn't able to reach you on the phone. 

Are you able to start paying your regular payments of {$260.00} again, or do we need to make special arrangements for the rest of your payments? 

Just let me know what you are needing to do, and I will see what I can get done for you. 

Thank you, XXXX XXXX Loan Manager Essential Lending Inc. 

XXXX XXXX ext. XXXX XXXX fax
On or around XXXX XXXX, XXXX I visited a XXXX XXXX  location in XXXX, CA. At that time the staff was welcoming a friendly and informed me that I was eligible for a loan of {$2600.00}. After they took fees from that amount to register the car and other fees I walked away with {$2100.00}. I made 1 or 2 monthly payments in the amount of {$390.00} before I took my income tax money to pay them off in full around XXXX XXXX, XXXX. At a later date around XXXX/XXXX/XXXX, I ran into another hardship and reapplied for another loan. This time they did not charge me all of the other fees but gave me a check for {$2600.00}. None of the employees or affiliates informed me that every time I make a monthly payment that more will be applied to the loan if I do n't come in and pay {$3500.00} in total at one time. Daily interest of {$10.00} + accrued even though monthly payments were being made which has placed my family in a financial hardship. After speaking with the employer I learned that I would have to pay them nearly {$15000.00} before my loan would be paid off if i " wanted '' to continue to pay monthly fees. Again, none of this was explained to me at the time they reassured me that I can just make monthly payments until I reach {$3500.00} to pay them back. Out of good faith, I reached out to the employer and asked them to refinance the loan so that I can afford the monthly payments until I am able to come in with a large lump sum when I get my income taxes. The manager XXXX XXXX stated that I would have to come in with the Monthly payment plus the daily interest estimating in an amount of {$770.00} in order to refinance the loan to a smaller monthly payment amount. I could not afford it and have been forced into a financial hardship. Currently, the vehicle is a total lost according to my insurance company " XXXX XXXX '' and the insurance agency is ready to pay me out. Unfortunately because XXXX is the " XXXX '' the insurance company is asking for my signature to send the check to XXXX Please help!
My mortgage loan is being transferred from CitiMortgage to XXXX XXXX XXXX ( dba XXXX XXXX ). I understand that the current loan provider is required to provide 15 days notice prior to the effective date of the transfer -- this was not done. CitiMortgage sent a letter dated XX/XX/XXXX as notice that did not arrive via USPS until XXXX XXXX for a transfer to XXXX XXXX effective XXXX XXXX, giving insufficient time to establish an online account for the XXXX XXXX payment.
There is a medical collection on both XXXX and XXXX reports in the amount of XXXX. This debt has been removed and re appeared on my credit reports with out me being notified. Its not on my XXXX report though. I tried to resolve this with the credit bureaus and got no where. It has been sold several times to multiple collections agencies and not once did I receive notice of this. This was added to those credit reports on XXXX. When I did the online disputes it was removed then added back under a different collections agency.
The property that I live in and that it is my primary home it is currently in foreclosure. The property was purchased with a loan that was a negative amortization and it was part of the predatory lending practices during the financial crisis. The loan was not explained to me and sometime after the purchase I was unable to make payments when the payments increased. I am a retired person and XXXX years old. I have been trying for years to come to an agreement with my bank and get a loan modification with a fixed interest rate, and for which I have been denied each and every time. I am a retired XXXX lady that get help from my children in order to pay my bills. The bank refuses to modify my loan because they say its been more than 36 months since I last made payment. We can show enough income coming to afford the new modified payment with the help of my children who are willing to assist financially with my mortgage. The bank refuses to allow their income as help and I will loose my home as a consequence. At this time the bank has requested the courts a sale date. If the sale goes thru I will be homeless. Again, this is my primary home and I have no where else to live. I am hoping your agency can help in having the bank process a loan modification so I can continue to live in my home with the financial assistance of my children. 

Thank you, XXXX
On XX/XX/XXXX someone whom said she was calling from ace cash express called my husbands cell phone to ask if he knew me, the number that called him was XXXX ( the number that she gave him for me to call was XXXX ) he said yes and they told him to write down their telephone number and a case # and make sure to give it to me. He called me and gave me the info. I called this number and this woman named XXXX said she was part of the legal dept and she is trying to collect a pass due balance on a loan I had. She wanted me to give her my debit card info so she can set up a payment arrangement. She said my debt was transferred to two different debt collections companies and there is a pending lawsuit against me, so I told her that she needs to send this info in writing to me because if it was transferred to diff companies to collect why haven't I received anything, after all they have my address. I also told her that I was on my states website where you can view court cases if someone is going to sue you it would be listed there, and I told her I don't see any lawsuits so nothing she is saying is making any sense, she then raised her voice to me and said, if I didn't settle my debt with her over the phone someone would keep calling my relatives about this debt and someone will come to my job and put me in handcuffs. I said to her, well if you say I owe this debt, just put it in writing so I will know your are not a scammer she then said police are coming to my job to arrest me in the next few days and hung up
was never late on my student loan. I was granted a forbearance in the process of the forbearance approval. My student loan was reported late. I feel this is unfair and deceptive and against FCRA section 609. The information was not verified and the provider never submitted verification of the late payment when I disputed the inaccurate reporting with FedLoan Student Loan services.
I received a phone call from someone who refused to give his name only stating he was an investigator trying to locate me to give me documents. When I asked whose was sending him and what it was regarding he said Continental Processing at XXXX. He then began to describe the vehicle in my driveway. When I asked what that has to do with this he said because people run. He then told me I had 5 minutes to contact this company to resolve. When I called the company the same man answered the phone and transferred me to another man. This man was trying to bully me from the moment he answered telling me I had committed fraud and that I was doing illegal things. I asked him whom he was collecting for and he said I am not collecting. He stated that Check into Cash hired him to locate me because I frauded them. He said if I pay him {$600.00} they will stop. I asked what the {$600.00} was for and he said fees to locate me. I asked whom do I call to sort out the balance as these fees are more than the original debt. He said Check into Cash does n't want their money. We just want our fees. When I said this is illegal to charge in a payday loan he stated that it 's no longer a payday loan. You now owe us. I told him I would contact Check into Cash directly. Immediately the man that originally called me started blowing up my phone. I dint answer as I was on the phone with the other man. This man called me another 8 times and finally I finished my call and answered the first caller who started yelling at me said I ca n't run and that I was a thief. He said you have been notified and that I would be going to jail
We are hoping for assistance to get us back on track with our mortgage. This year has been very tough, starting with a reduction in hours, and then losing my job. With both XXXX and I unemployed, it became very difficult to support our family of XXXX. It was hard but we did our best to keep paying on time but once we were behind, it snowballed. 

We contacted our bank, Wells Fargo, who gave us a list of documents we needed to provide to prove we qualified for help. We sent everything, but when we called, they said they never received it. So we sent it again, hopeful we were on track. This time they said they had gotten it, but it was too late to meet a deadline we didnt know existed! It was strange that the first application that was sent before the deadline was, of course, lost.
Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of First National Collection Bureau , Inc . I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!
I applied for and received a credit card from Chase. I called the number they provided with the card to activate it, which was XXXX. I was told that the activation system was down and they could not activate the card at that time, but they offered to send me a {$100.00} gift card as a token of their appreciation. I said, OK. Then they said I would have to pay a {$4.00} handling charge. I asked if this was a one-time charge and the person said, yes. 
He then, very quickly, read some terms and conditions. From this, I gathered that they were signing me up for some type of service, which would have a monthly fee, because I heard him say I could cancel by calling them at a later time. A that point I told him I did not want this and to cancel it. 
I then went to their website and was able to activate my card immediately. So, I believe they were lying about their activation system being down. 
I believe this is a scam to sign up customers for some type of monthly service with ongoing charges. This seems similar to what XXXX XXXX was doing and possibly worse because it appears to me that they are lying to their customers in order to sign them up for services they do not want. 
Please investigate.
I sent an email requesting MIB to freeze my credit report.

MIB then responded saying this was not possible since they are not a credit report company.

This is false and obvious deceptive practices. I simply want them to make my information inaccessible by their system where a 3rd party company can not use my information without my consent.
They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. 
Here are the numbers : XXXX XXXX XXXX XXXX XXXX XXXX
To Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Early Warning to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX
I originally disputed XXXX old debts by XXXX XXXX XXXX. They originally closed and took them off of my credit report ( After an investigation and XXXX subsequent days ) ..However, I went back and checked my credit and they had reinserted XXXX of the XXXX debts. I was told over the phone that they " purged '' XXXX of the old debts. These debts are over the statue of limitations and will overall expire in about a year.
I am a victim of identity theft, someone has used my information to obtain credit cards. Capital one & XXXX credit cards. I 've been trying to dispute these litigations under me and have come to no prevail. Therefore here I am complaining on this board trying to get some justice. This is ruining my life emotionally and financially, credit means everything in this day and age and due to this heavy issue that I 'm confronted with I have horrendous credit. Simultaneously the collection phone calls have left me sleepless at night when in fact this is truly and genuinely not my cards. I hope this board can help me with my issues.
On XX/XX/XXXX, I initiated a wire transfer in the amount of {$5000.00} USD from my XXXX bank account to my COINBASE USD wallet. At that time, there was a banner listed on the COINBASE website that stated there was a backlog of wire transfers and that it would take up to 4 business days for the funds to be deposited. I waited the period of time suggested with no change. I created a support ticket on XX/XX/XXXX and received a canned response on XX/XX/XXXX stating the funds had been verified and that I should be all set. There was no changes to my account. I emailed them back that same day making them aware that the issue was still present along with a screenshot of the COINBASE USD wallet, no further contact has been made. There are countless other customers who are experiencing the same issue with no recourse. I can understand a company exceeding its resources due to rapid growth, but what is most concerning is that aside from these support tickets, there is no way to sort this out.