WillisBack/dataset-financial-user-claim huggingface dataset:
I switched phone service from XXXX to XXXX having paid my final bill ( approximately {$350.00} ) and having returned ALL my XXXX equipment. This was in early XXXX of 2018. Subsequent to that, I received another final bill from XXXX in the amount of {$2300.00} and change. I contacted XXXX to dispute the erroneous billing and was told by the XXXX Customer Service Rep ( XXXX XXXX ) that I would not receive any further billing. Since that date, I have received no further communication from XXXX with the exception of the emailing of the transcript of the chat, which states, " I have successfully escalated the issue to my higher level team and put the notes in the account. You will not receive nay further bills. Be rest assured. '' As you can imagine, it was quite a surprise to learn that just a few weeks ago ( on or about XX/XX/XXXX, XXXX handed the account over to Diversified Consultants of XXXX who immediately filed a collection action with the XXXX. Neither XXXX nor Diversified sent any letter or email notification of their claim. In fact, it seems that Diversified has a habit of not providing the required written notice of a collection action. No written notification was received in my case. What they typically do, and did in my case, was wait until the see a credit inquiry for a home loan and then file a derogatory collection claim with the credit bureau - XXXX  in my case. Again, this is very dishonest and what they did in my case and have done on other cases according to information available in your records.
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX XXXX XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.
I went to Suntrust Bank to order Checks and the teller started asking me all these question and I assumed it was for submitting the right information on the checks. She never asked me anything about applying for a credit card. a week later I called to see about my check order because I have n't received them yet. They told me to go to back to the bank to see about the order and they told me that no checks had been ordered. A week later I received a letter in the mail denying an application for a credit card from Suntrust Bank. I took the letter to the bank to see the teller. The teller who was suppose to order checks for me was n't in and a representative took my complaint. She explained that it was the manager who applied for a credit card in my name. The representative took my complaint and explained the manager had no authority to apply for a credit card in my name or for me, because she was n't a sales representative. I then called the bank 's customer service and filed a complaint with them. Later that day I tried using one of my credit cards and it was denied and it was available credit on it.This may have a ripple effect on my credit with my creditors
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX and XXXX   XXXX
Received a call from XXXX threatening me that legal action was taking place regarding a check fraud case for a payday loan that was taken out XXXX years ago. I was told to make sure that when a process server arrives at my place of employment that if I did n't not sign for the papers, that they would file the papers with the court system and keep coming to my employer every day to serve me until either I sign or the court preceding 's end.
I tried to get the credit reporting agency to add a statement to my credit report. I am getting the run around they act like this is something they do not do. I was told by this agency I could do that, but I am getting the runaround. I would like them to add my statement to my credit report.
I have federal student loans, which are serviced by NAVIENT. The monthly payments are due the XXXX of each month. I have an automatic payment from my bank set up to arrive at NAVIENT on the XXXX of each month. 

In early XXXX XXXX I got notice that I had " missed a payment ''. I checked my NAVIENT account and found that NAVIENT alleged there was no XXXX XXXX payment made. In checking my bank account I found that the payment had been made on time and the funds taken out XXXX XXXX. I called NAVIENT and a customer service person politely told me that they could not help me and directed me to the NAVIENT website where I could upload document proof of the payment, which I did. 

Today ( XXXX/XXXX/XXXX ) I checked my NAVIENT account and find that NAVIENT is now alleging I did not make my XXXX/XXXX/XXXX payment. Again I checked with my bank and have documentation NAVIENT cashed the bank check on XXXX/XXXX/XXXX, yet 4 days later they claim to not have received payment.
I have submitted proof that certain accounts are not mine and these accounts have not been taken off. I have also disputed XXXX Credit Card account because it says I have paid late but I have submitted proof that I was not late on the account. There are other accounts I have disputed as well but they do n't verify the information and they do n't even look at the proof I have submitted. This is frustrating. I would like to buy a house and with this incorrect information on my credit report it is impossible to do so. I have submitted the same proof to all 3 credit agencies but it is clear that they do not even take time to look at the proof. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that have been posted on a credit report. Countless times I have fought with the credit agencies but have made very little progress. Even with the proof I have submitted it is still ignored. There are also other accounts that I never opened. I am trying to be proactive and tackle this before I hire an attorney to go after these credit agencies. Because the XXXX website only shows payments made during the current year I am unable to print off the proof of on time 2015 payments.
When applying for a personal loan, my bank informed me that I had an outstanding charge on my credit from a company call XXXX XXXX. Up until that point in time I have never heard of that company. When I filed my dispute with Transunion and they finished their investigation, they are still holding me responsible for the charges. I had a similar incident like this occur XXXX 2014 and the case was taken care of and I am no longer responsible for those charges on a XXXX XXXX account. Both the XXXX XXXX and XXXX charges occurred within 1 month of each other. At that time I was XXXX years old, in college, living at home, no car, no job, and no credit cards.
I signed up for a 0 % balance transfer for 12 months and they didn't honor it but charged me over a hundred dollars in interest on it and I contacted them about it and never heard a word back. I told them no one in their right mind would transfer {$5000.00} into an account with an absolutely ridiculous rate of 24.74 % which they charge for someone with good credit and wont lower.
I transferred XXXX USD through JPM CHASE on XXXX XXXX to my personal savings account but the money isnt transferred and the status of the wire shows Successful.I am sending money through JPM CHASE for the last 3 years and never had any problem ... this is the first time i am facing this problem.
XXXX XXXX XXXX XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine.

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that XXXX XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute. 

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.
XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the snapshot devices.
I have been trying to resolve an issue I have had with this company for at least two years. I was told to contact a law firm regarding this account which I did and they told me to call Midland. I called Midland and told them I just wanted to settle this matter and they stated they were not currently collecting on the account. They indicated the would call and let me know who now was in charge of the account. I never receive any return phone call. I do not understand how they can report this account on my credit report and update it monthly, causing maximum damage to my credit score. However, they are unable to tell me who to speak to about this account. This has become ridiculous and I want this removed from my credit report immediately.
I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at Chase Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. Chase Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at XXXX. Chase confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted XXXX, upon Chase Bank 's insistence. but XXXX is saying to contact Chase Bank. Neither wants to take responsibility for verifying the payee. XXXX refuses to give any information to me and says Chase Bank should contact them so both banks could resolve the issue. Chase Bank refuses to handle the matter.. Attached is a copy of the Chase check, and a copy of the audio recording made with XXXX who says Chase Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- XXXX AND CHASE BANK.
I did-not Authorize / Authorization the use of credit and/or view credit report, IDENTITY THEFT VICTIM - XXXX DATA BREACH!!!!!!!!!!!!!!! 

@ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank @ @ @ @ @ @ @ @ @ @ @ @ XXXX @ @ @ @ @ @ @ @ @ @ @ @ Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
I have been contacted many times by National Service Bureau ( I believe it is XXXX ) on XXXX XXXX XXXX. 

- They have called me many times stating that i owe a debt from a medical injury in 2015 that I paid at the hospital at the time of treatment. They refuse to look into this. 
- They have stated that they 've sent me many letters that i have n't received and when asked to send again they have n't sent - They have tried to pressure me into paying this by stating that my debt is incurring interest for every day that i do n't pay them - They have refused to provide more information about their company and if they 're legitimate - They have been unprofessional in their approach ( the person on the phone has used pressuring language and sighed and complained when i 've asked her to tell me more about who they are )
XXXX   XXXX  failed to record a tool rental return. They have now billed me an amount, far in excess of the tool in question, and handed that debt to a collection agency without contacting me and despite my repeated calls and emails to  XXXX   XXXX .   I am now being harassed in writing by  Vengroff Williams Inc .     I should be removed from this list and not contacted again.
On XXXX/XXXX/XXXX a XXXX XXXX from Debt Managment Inc dba Capital Recovery Systems ( physically permanently closed ) with ONLY a PO Box and phone numbers, did : 1. Falsely state a ( discharged ) debt was not removed from credit reports because I was n't on credit report sites. 2. Was provided with an confirmed receipt of Bankruptcy Discharge XXXX/XXXX/XXXX notice taken directly from XXXX site. 3. Upon proof of his false statement, XXXX XXXX then flatly refused to do anything to remove from credit reports, a collection matter included in a discharged bankruptcy, which unlawfully appears to be an active collection matter when it is not. 4. XXXX XXXX is intentionally and unlawfully causing harm to me by way of false information on my credit report.
I had a Capital One Secured XXXX. The XXXX was opened XX/XX/XXXX. I put down a {$150.00} XXXX XXXX towards the secured card. As of XX/XX/XXXX I was 120 days late and owed {$160.00} by XX/XX/XXXX. Without any notice Capital One applied my security deposit towards the balance of my account XX/XX/XXXX On XXXX I logged into my online account and made the required minimum payment due of {$160.00}. Capital One did not tell me my account was closed or that the security deposit was applied to the balance. As of XX/XX/XXXX the balance was XXXX. Capital One sold this account to XXXX XXXX XXXX. I have disputed this debt with Capital One, XXXX, and all three credit reporting agencies. They all respond that the debt has been verified pursuant to FCRA and is correctly reporting. My credit report incorrectly states the balance on this account is XXXX when it was XXXX. This account was closed by Capital One and Not at my request and while the account had been brought into good standing. They are incorrectly reporting that in XX/XX/XXXX I was 150 days late when in XX/XX/XXXX I made the minimum payment due of XXXX on XXXX five days before the due date of XXXX. The Account was charged off in XX/XX/XXXX despite the fact the account was brought current in XX/XX/XXXX. Capital One XXXX refuse to correct any of these egregious errors. All XXXX credit reporting agencies also have the proof of this account status and refuse to correct the account.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.
Transunion is apparently looking into an entry on my credit report that is usury in nature- investigation has taken over 30 days, Transunion responded to complaint -XXXX but it did not come close to addressing my issue and the investigation is still open. Please note that Transunion is the only reporting agency who has this usury account listed, the other two removed it as it is illegal
I have filled a dispute several times through equifax explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have  acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my Equifax credit report and Equifax is agreeing with the company on this bogus proof or debt they are providing. Is equifax an accomplice? I am happy to add them to the lawsuit as well.
XXXX The information attached is from XX/XX/2010. The documentation provided to The Bureau as it relates to my calculations show specifically that there is Absolutely Unequivocally no such amount due whatsoever. I have provided the Sworn Affidavit submitted signed and notarized by the Custodial Parent there was paid directly to her $ XXXX plus. The information suggests Interest you ca n't charge me interest if payments were made. 

Secondly there is Affidavit from the Attorney General stating there is noting outstanding and I demand this cleared up now, post haste. This egregious reporting is affecting many things and to be ongoing for as long as it has when I have had more than XXXX entities and individuals attempt to clear up this matter ; I believe it has gone on long enough. Far to long.
Enhances recover company XXXX XXXX FL, XXXX Account # XXXX This company has been informed on several occasions that the account that they 're attempting to collect on was included in my bankruptcy. After supplying them with proof of my bankruptcy the collection attempts continues. They are making it very difficult to obtain credit with the inaccurate information they 're reporting to the credit bureaus.
I have contacted XXXX XXXX numerous times regarding calculation of my qualifying payments toward Public Service Loan Forgiveness ( PSLF ), and receive the same message every time : " We're behind and we're working on it ''. I've been waiting 15 months. Here is my timeline : XX/XX/XXXX - Submitted first employment certification for Public Service Loan forgiveness ( PSLF ) and loans were transferred to XXXX XXXX. I was told payments toward PSLF would be calculated. I've been with the same employer and paying on a IDR plan since XXXX.I was told average calculation time was 90 days. 

XX/XX/XXXX - I had an issue with early termination of my IDR plan and reassessment of payment amount, which ended up in my filing a complaint with the U.S. Dept of Education Student loan ombudsman. During resolution, one of my terms was to ensure payments made during this period  would count toward PSLF. I submitted another employment certification ( same employer ) per their request, and received notification that I had made 4 payments toward PSLF, which I was told were from the period of when the complaint started to resolution ( XXXX ) yet the letter says my qualifying employment was XXXX, which doesn't even equal 4 months. 

Since this time, I've contacted XXXX XXXX 2-3 times  asking about calculation of my other payments ( XXXX ) qualifying for PSLF. I've been told the servicer is " backlogged '' and " calculations are taking a long time '' which they can not provide a frame of reference. I am about to switch jobs, and would like to know how many qualifying payments I've made to consider future plans for my employment. 

Also, I wanted to add that my husband is also currently paying toward PSLF. He has submitted two employment certifications and received qualifying payment counts within ~3 weeks on average. His loans were originally under another servicer, and XXXX XXXX  was able to count all of those payments within a mere weeks, whereas I've been waiting 15 months.
Company nev er validated/ Verified account and is in direct violation of FCRA, FDCPA and federal and State consumer p rotection laws.