WillisBack/dataset-financial-user-claim huggingface dataset:
I was in a XXXX group called XXXX XXXX XXXX XXXX, which acts as a basic do it yourself credit repair group but in reality it 's mainly for lead generation. In the group it was stated when a question was ask if you have a right as a consumer to see the letter being sent out on your behalf to the credit bureaus, XXXX XXXX XXXX it was emphatically stated it was by a XXXX XXXX. This was one of the reasons I was interested in signing up with them so I could track when letters went out and what was the substance and to make sure I agreed with them on how they were asking for verification/validation. I had a previous bad experience with another company in years past and it was a good one, I basically got ripped off. After signing up with a XXXX XXXX and after a round of letters went out I requested a copy of the letters and I was informed they do n't give those out because they were proprietary and they would be put out of business if they gave them out. I offered to sign an agreement that I would n't give them out for others to see or post them on XXXX or any other social media site. They said they took it to the top lawyer and I was told the same thing even though I told them I signed up basically on that premise. I later found out it 's who you get as your credit coach determines who receives letters and who does n't. I could n't believe I could n't get a copy of letters that went out with my name on them, no where in the contract does it state this exclusion. Apparently XXXX, will give them to his clients but others wo n't. I tried to sign up with XXXX but he never returned my text so I signed up with XXXX XXXX. My credit coach seemed knowledgeable but it was obviously from the beginning that others were assigned the work. I confirmed this the second time I requested a phone call meeting with him and he had no knowledge of my situation as he said several things that did n't apply to me or not what we talked about, he seems confused as to my situation. I was later told by XXXX XXXX I needed to sign up for their upgraded plan that costed more if I wanted better service. Needless to say I was disappointed because the conversation that we had at the beginning know was acceptable and I needed to spend more money each month. They wanted me to go from XXXX a month to XXXX a month. I was told by XXXX in an email I could either upgrade or cancel my service with them. At that point it was an easy decisions. I basically spent XXXX but told I would need to spend more to get better service. Also, my credit seem to get worse not better with several accounts in good standing now showing up as being disputed.
Unifund is agressively and insultingly attempting to collect on the debt on behalf of XXXX XXXX that I have paid off XX/XX/XXXX. I have contacted XXXX XXXX and was told that this account is not even in their system and they had no track or proof of this account being sold to collection company they have never heard of UNIFUND and are NOT associated with them. I was advised by XXXX XXXX to file a fraud report. Unifund claims this account to be an active collection, even though they confirmed that 1st date of default on this was in XX/XX/XXXX and it has now passed the 4 year rights to collect statute of limitations for the state of CA they are agressively, inappropriately and in a very harassing manor attempting to collect on this account for the amount of {$18000.00}. They have threatened to arrest, lien my property and to send " foot soldiers '' to my residence .... is this even a legal practice .... 
I seeked legal advise and have served them with cease and desist notice twice now. See attached proof of service, but they were both ignored and UNIFUND keep harassing and threatening for the collection of this account ...
" " '' I have disputed this Public Record on this Bankruptcy chapter 7-discharged XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
In XX/XX/XXXX I received a recall letter from the XXXX manufacturer for my ( XXXX car ) this vehicle was financed through XXXX XXXX XXXX and I purchased from XXXX XXXX auto dealer ( XXXX, Ohio ) in XX/XX/XXXX. I called the number on the recall and was instructed to contact the local XXXX XXXX in my area which is XXXX XXXX XXXX. I did and was instructed to bring my vehicle in for remedy- and at that time would take about 2 weeks and the dealer would provide a loaner vehicle at the manufacturers cost. I took my vehicle in XX/XX/XXXX- it has been 1 year and they still have my vehicle- I have not seen my vehicle and I have made a whole year worth of payments without the vehicle I financed through XXXX XXXX. I have been in loaner vehicles every since. I found out there is a class action lawsuit pertaining to the recall with XXXX. I have made countless calls to my lender who does not care, and it is unacceptable. I made several complaints with the XXXX, FTC, NHTSA, and The Ohio Attorney Generals Office. I stopped my car payments as of XX/XX/XXXX and I notified my lender as to why. Can you please help me?
Great Lakes adds interest DAILY to my student loans. Over approximately XXXX years, I have paid {$9000.00} " toward my loan '' yet the loan amount is actually MORE than when I was moved over to the company. ZERO has been paid to principal. By the time I finish paying my loan in, I think they said XXXX, I will have paid over {$40000.00} on approximately {$28000.00} in loans.
This Ally Auto continues to call my home 4 times a day everyday for the last month or so. I am less than 30 days behind on my car note and they continue to call at least 4 times in a day to collect payment. Calling me this amount of times in a day is harassment and will not make pay them any faster.
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence.

This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards. THIS COLLECTION AGENCY AND PRIOR/POSSIBLY NEW ONES ARE AFFILIATED WITH THE ORIGINAL CREDITOR AND COULD POSSIBLY REMOVE THE DEBT THAT IS NOT VALIDATED AND RETURN DEBT TO ORIGINAL CREDITOR.
unlawfully Interruption of Charge Privileges I HAVE AN AMERICAN EXPRESS CARDS THE DUE DATE IS THE XXXX OF EVERY MONTH XXXX IS CHARGE CARD THE I HAVE TO PAY IN FULL EVERY DUE DATE THE OTHER XXXX IS A CREDIT CARD THIS IS THE SECONT TIME THEY PUT A HOLD ON MY CREDIT CARDS WHEN IS NOT EVEN CLOUSE TO MY DUE DATE AND THEY ASK ME TO MAKE PAYMENTS EARLIER THEY REQUESTED ME TO MAKE PAYMENTS BEFORE THE DUE DAY OF MY PAYMENT AGRETMENT ACCORDING TO THE AGREEMENT OF THE CONTRACT THAT I DID WITH THEM AND THEY DO THIS ONLY TO THE XXXX AND OTHER XXXX THIS COMPANY AMERICAN ESPRESS HAVE A HISTORY OF PROFILING IN THEIR COSTUMERS SPECIALLY ON XXXX AND XXXX PLEASE OPEN AND INVESTIGATION AND MAKE SURE THEY DONT BREAK THEY CONTRACTS AGRETMENTS AND PROFILING ON THEIR COSTUMERS, HERE IS THEIR LATTERS AND I THINK IM A VICTIM OF PROFILING. unlawfully Interruption of Charge Privileges
I have been to US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX paying one of my companies credit card at XX/XX/2018. At branch I hand my ID, company name and {$1200.00} to teller. Same afternoon I received phone call from US bank XXXX department to inform me there is still around {$100.00} balance I hadnt paid yet. At spet XXXX I went to other branch to pay the remaining balance. US bank told me the {$1200.00} not going to right account. And new balance is XXXX which I had to pay. After the branch contact XXXX department, they would told me the amount going to my other company credit card. All they can do is pay that one first which is XXXX something. The rest of money can go to right account. Since there is mistake made by us bank employees, why US bank charge me XXXX more term interest on my cc balance?
I was using my PayPal account to purchase an item on EBAY. When the option for PayPal came up I selected pay and link my accounts. PayPal asked for confirmation and the last four of my social security for security purposes. Two seconds later I have a credit card I did not want! They ran a hard check and will be on my credit report for two years. Can I please get this inquiry removed? What can I do to stop PayPal from doing this to other people? They are deceiving and stealing peoples money.
From XX/XX/XXXX through XX/XX/XXXX, PHH Mortgage Services was servicing the mortgage on our primary residence. During that time period, our Chapter XXXX Bankruptcy Trustee sent the equivalent of 25 monthly payments to PHH Mortgage Services. However, it appears that PHH only processed 20 of the 25 payments, which made it appear to the next mortgage servicing company that we were 5 payments in arrears.

We able to verify the above information by obtaining the payment ledgers from our Trustee and PHH Mortgage Services.
On XX/XX/2018 between my father and I we received 8 phone calls between XXXX-XXXX. 
No one was on the other end answering and no messages were left. If I didnt answer the phone they would call my dads personal number, if he didnt answer they would call his work phone number, then they would call me again. It was a never ending cycle for almost 3 hours.
XX/XX/18 I received a suspicious call from someone claiming to be Equifax at the number XXXX. They said they're was a dispute about whether a mortgage that was in my name had been closed and needed access to my mortgage account to confirm. They conference called me in with my bank who asked for private information and my account password. After speaking with the " Equifax '' representative I was disconnected. I contacted Equifax the next business day to confirm that they did in fact contact me ( I was concerned it a was a phishing scam ). I spoke with multiple representatives who each asked for my SSN, address and Birthdate and said there was nothing they could do to confirm I was contacted. They said I would need to send in a dispute form and a copy of my driver 's license and social security card. This call took 40 minutes and resolved nothing. They refused to look into the matter without me mailing in personal information. Meanwhile my identity could have been stolen. There needs to be more transparency into who is contacting me and a way to confirm contact with such personal information.
Asset Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have received dozens of calls to my cell phone from Asset Recovery Solutions. They are trying to contact someone named " XXXX XXXX. '' I'm not sure who this person is, or if this is the correct name for the person, but it is not me. I have spoken with an employee of this company in the past explaining that the person they are trying to contact is not me. They have the wrong phone number for the person that owes the debt and to take my number off their list. They have not honored my request and continue to call my phone. 

What has prompted me to file a complaint is the call I received from Asset Recovery Solutions on XX/XX/18. Once again I explained that I am not the person they are trying to find, that I have requested for my number to be removed from their list in the past, and they claimed I never did so, and if I did, that maybe an employee had a " mishap '' in properly removing my #. 

I've received calls from XXXX on XX/XX/18, XX/XX/18, XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 x XXXX XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 XXXX on XX/XX/18 I can not verify if every single one of these calls is from Asset Recovery Solutions. This is also not a complete list of calls from this company. Some calls I did not answer. Some calls I answered but the automated system didn't register that I had picked up. Some calls I answered and the person asked to speak to " XXXX XXXX '' ( sp ) and I explained it wasn't me and they would just hang up. 

I believe the majority of these calls were from Asset Recovery Solutions, as I have had this same # for over 10 years and have never had any unwanted calls until Asset Recovery Solutions started calling. 

I've requested Asset Recovery Solutions to provide a call log of all calls and attempts made to my phone number and they have denied my request saying that they do not have to do that. 

I have now sent them a cease and desist letter through certified mail.
I submitted a dispute with Equifax about an incorrectly reported credit card balance and incorrectly reported late payment. I also submitted a complaint to the credit card company itself. Equifax took over 30 days to complete their investigation and during my wait for Equifax the credit card company responded and fixed their error on all three credit bureaus. The credit card company sent me an email apologizing for their error and stated it 's been corrected. I checked the three credit bureaus and it was correct on all three reports. Then today, 30+ days after my initial dispute, I get an email from XXXX saying Equifax has changed my credit score, and I got an email from Equifax saying my dispute results are ready. I went in to the report Equifax provided in the email and they put the incorrect credit balance and incorrect missed payment back on my credit report! This also dropped my credit score over 50 points! I went online to my credit card to make sure something did n't happen that I was unaware of and my statement shows it is still all paid up and XXXX owing right now and it is not late or over the credit limit like Equifax changed it back to! This is absolutely ridiculous that I have to keep going through this with the credit bureaus. This really needs to get fixed quickly and the XXXX card account switched back to the correction that XXXX card services reversed earlier this month! If the credit bureaus do n't stop messing with my credit score unjustly I am going to start a class action lawsuit against them. They will be shut down. They are breaking all of there agreements made to provide better service and they are about to be held accountable for it! If they want to keep their jobs they will start doing the right thing rather than trying to ruin our scores! It 's not fair at all!! I 'm so frustrated! They seem untouchable! We need the governments help to real them in and make it all fair!
ribe what happened so we can understand the issue ... 
My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.
Ive made several complaints about this issue which isnt resolving. This company has an old debt on my credit thats not supposed to be there and needs to be removed. Its at the 7 year mark and they are still reporting inaccurate information. This company violated my rights by repossessing a vehicle and never sending a RTC ( right to cure ). Ive tried several of times to work this company and theyve refused to do anything on my behalf. I spoke with an attorney recently, and Im in the process of filing an lawsuit, if we can resolve this issue I will drop the case if not we are taking this matter to court very soon. Theyve also contacted me recently and its been expressed to them to never contact me. Ive told them several of times to cease all communication with me and theyve violated.
OnXX/XX/XXXX I was flagged on XXXX XXXX that I tried opening an XXXX card through XXXX. I had not done this. So I immediately called XXXX and explained the situation. They said it was denied and they would send it to their fraud department. My next error was thinking that maybe someone transposed a couple numbers and I shrugged it off. After all they said they would send it to their fraud Dept. On XX/XX/XXXX the same thing happened. So I again immediately called XXXX. They told me the same things as the first time. I said why is the first hard inquiry still on my credit. I was told it could take 90 days for it to be removed and they had sent the first request to the credit bureaus. So my next step was contacting XXXX. They told me that it does not take 90 days, that it would only take 5 or 6 days once the request was received, however they had never gotten a request. Now at this point I was steaming. The gentleman at XXXX told me to call back XXXX and ask them to send me a letter requesting it be removed. He gave me a fax where I could send it to have the hard inquiries removed. I called XXXX and demanded they send the letter to me. After some hemming and hawing the woman agreed. Said I would get it within 7 days. What I got was " NOT '' the request to remove it. So I again called XXXX and told them I wanted the letter that they said they would normally send to the credit bureaus sent to me. She did n't want to do this, so I got very abrupt and told her I demanded they do this because it was bringing my credit scores down. She finally agreed and said I would get it within 7 days. It 's now been two and a half weeks and no letter has come. I am so angry because my XXXX  score just went down again because now the second hard inquiry is there. Please someone help me with this. I have put a freeze on all three credit bureaus but I should not have to deal with this nonsense. XXXX is in no way concerned about this and it 's fraud.
XXXX   XXXX  I filed an complaint about   XXXX   XXXX   about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent o ut 11 letters  attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on  XXXX  thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number   XXXX   XXXX   has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.
They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help
I have called Santander on multiple occasions to attempt to pay the remaining payments on the loan : 1. I have asked for a interest rate reduction because the vehicle is a total loss and the Santander loan no longer has collateral - SANTANDER DENIED MY REQUEST TO LOWER THE INTEREST RATE 2. I have asked for a payment extension/deferment for the past due payments - SANTANDER DENIED MY REQUEST BECAUSE THERE IS NO COLLATERAL
I have imbound account ( Escrow ). The collector company collect Monthly payments to pay for property taxes and home insurance. I bought my house in XXXX 2014. The collector paid part of the property taxes and did n't pay the supplemental taxes which is the difference between the old assessment and the new assessment. The new assessment is related to the new purchase value. I sent the Tax and the Supplemental tax bills to the collector. I reminded them two times to pay the supplemental taxes and they kept telling me that they get tax information directly from tax collector. I contacted the tax collector. He confirmed the the supplemental tax is due and their is a late fee. Attached XXXX projected Escrow show the estimated value of the Property Taxes. XXXX was the collector before transfer it to Nationstar.
I had deposited a check and it seems that it was returned and they blocked the account and have not provided me any information as to why and my direct deposit from my job was sent to this account and they ignore every request from me as to an explanation why I spoke to a customer service rep on the phone they tell me I had to go to the branch I went and they dont want to tell me anything tried to speak to the manager he paid no attention to me in the XXXX XXXX branch. 

all they state XXXX is that they are doing an investigation at XXXX is was supposed to be 10 days for that and they will send my funds but as of yesterday now they state 30 to 120 days.