WillisBack/dataset-financial-user-claim huggingface dataset:
They have been calling from this number XXXX and more times a day not leaving messages. I do not owe anything to this debt collection company and I have told them that if they call this number again I will report as a harassing phone call. They continue to call.
Rushcard XXXX has been doing a system update since Sunday. Customers were told that the update would be done by Monday XXXX but nothing has been done and no notification have been sent. The customer service number is out of service and the online access is down. I have not been able to speak to anyone at the company regarding this issue. This is a company wide issue and a lot of people are affected by this. we have not been able to access or money, transfer funds or use our debit card since Sunday XXXX/XXXX/2015. This is a major problem and it seems that the system has possibly been hacked or we are all victims of fraud/scamming.
I have a citi card with a 0 apr promotion that expires on XXXX XXXX XXXX. I made a payment of {$800.00} to pay off the balance so that I would not be charged all the back interest. My payment did not go to that promotion. XXXX from Florida informed me that my payment does not apply to the 0 apr. It will be applied to the purchases that incurred after the balance transfer. So on XXXX all the interest that would have incurred during the promotional period will be applied to my balance. Its not right. I really need advice on what to do. Thank you.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
It started in XX/XX/XXXX they called and said they could consolidate loans so i wouldn't have to deal with how long it takes. I haven't clicked accept terms and conditions either. spoke with us dept ed and they said it was a scam and to procede with the investigation XX/XX/XXXX. They took {$160.00} on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX this was fees to get a consolidation, but they never disclosed I could do thru government and student loan sites that are associated with the government for free in 30 min. They also said I have to set auto pay for XXXX $ every month for the service. I have called bank to block them from being able to scam me anymore. I was told they have to legally tell you its free. I did get loans consolidated with payment of XXXX $ or XXXX , but This is wrong to take advantage of someone who has XXXX in debt they have no idea. then they gave me a bogus servicer and they didn't have loans for me. called and they said it is through XXXX which it is. I asked for proof of me say yes on the phone recording of them saying he could do for free, and she hung up and said it takes weeks to do, but I know for a fact that is a lie, I did mine through us dept ed and no fees. What can I do? I want fedloan as servicer but not associated with XXXX. ALSO they told me never to go through my new servicer to call them and they handle everything only to XXXX it up. They had their phone numbers on studentloans.gov and on my servicer XXXX also i said city blue springs mo and they put XXXX   XXXX. I have yet to get anything from my servicer regarding payments. Please help or my lawyer will handle it and I spoke to my bank and am filing fraud and so they cant get any more money that I could give to my servicer and i have no signed documents.
XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting  my credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$28000.00}. My balance on the attached statement clearly shows a balance of {$28000.00}, the information on my credit report is false information causing my balance to increase and my  credit score to  be impacted.
Chances are that PayPal created other alternatives to harm me. I got randomly hit by a vehicle back in XX/XX/XXXX in connection with PayPal. I've ended up in the hospital and stuck with all these ambulance bills and other bills for no reason.
This company called threatening to arrest me and that they would garnish my wages on XX/XX/2018. Ms. XXXX stated that I owed a loan agency {$3000.00} and explained that she knows it is excessive but she wouldn't be able to do anything about that. She asked me for my credit card number and if I refused they would go forward with pressing charges and to garnish wages. I let her know that I did not have any income at the time. She called me the next week on XX/XX/2018 asking for me to call her back. On XX/XX/2018 at XXXX she called asking for me to give her my credit card info. I explained to her that I have not received proper notification regarding this situation. She explain she did not have my address and asked for me to give it to her. I again declined and let her know that if she did not have that information there would be no way she could press charges on me or garnish my wages, She then became irate and told me she would call my employer and start the garnishing process then disconnected the line. She called again at XXXX  on XX/XX/2018. I asked her to stop calling me she in returned screamed stating that she spoke to my employer by the name of " XXXX  '' ( never once said my employers name ) I continued to tell her to please do not contact me this was beginning to be harassment she continued ranting and screaming with threats then again disconnected the line.
Experian has numerous addresses, phone numbers, and versions of my name on my report that are inaccurate, outdated, or that do not belong to me. 

Reporting this information puts me at risk for fraud. I have information on the Black Web and have inquiries made by individuals who have accessed my information and apply for credit in my name at addresses where I do not live. 

Since XX/XX/2018, I have asked every month by letter that the information be removed and that ONLY my legal name, current address, current employer, and NO phone number be listed. 

Experian is violating my consumer rights to have accurate information reported. 

They are not reporting 100 % accurate information as required by Section 609.
Equifax is still reporting " 30 days late '' on my credit report.for the XXXX XXXX   account. XXXX XXXX has notified Equifax that their company should have never reported a 30 days late in XX/XX/2017 on my account. Equifax has also been notified by XXXX XXXX  that a manual update was entered to correct their error.
I filed a Chapter XXXX bankruptcy in XXXX. In XXXX XXXX I converted to a Chapter XXXX and Carrington Mortgage Account # XXXX was included in that Chapter XXXX and was successfully discharged in XXXX XXXX. I have been fighting with this company ever since. They continue to contact me and send statements saying I owe this debt and I DO NOT. They continue to report to the credit bureaus that it 's an open account with 180 days late with past due balance and I 've had to get this corrected 3 times and just when I get it corrected to report as included in bankruptcy they have reported it back again to the credit bureaus as open past due and this account is CLOSED discharged through Chapter XXXX bankruptcy as of XXXX XXXX. Also they have yet to take ownership over the mortgage and I still have the County sending me property tax statements and I explained to them that I DO NOT own this house anymore that it was included in my Chapter XXXX bankruptcy and they informed me that the mortgage company has not taken it out of my name yet. What they are doing is illegal and before I hire a lawyer to sue them, I would like for your company to step in and make this right.
I went online to download 7 years of transactions, following a message from Chase, describing how to download such transactions. However the list showing the download availability shows only up through XXXX, and 7 years would include XXXX.
Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay and that their " litigation '' department had verified the debt. I ended up paying something like {$7500.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$7500.00} refunded.
I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know that i am  XXXX  about my credit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.
XXXX XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, comenity bank keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on credit.
Equifax refuses to remove this from my credit. The bankruptcy courts of South Carolina do not report to the credit bureaus so this is reported thru a 3rd party which is illegal.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX 4 . XXXX XXXX XXXX XXXX. 
5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX
I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On Tranusjon it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On transunion it's showing this account was closed XX/XX/XXXX.
On XX/XX/XXXX, I opened a dispute with Experian regarding a collection with XX/XX/XXXX. I received an updated credit report on XX/XX/XXXX and the collection account has been deleted. XX/XX/XXXX I received another updated report and the collection account was back on my report. I contacted them stating that 5day FCRA notification law states I have to be contacted prior to account being added back to my report. Several reps I spoke with and one in the fraud department stated they could not remove the account without disputing the information. I dont agree with this and I want this fraudulent account removed.
I have no knowledge of said debt and I would like it removed as it is reporting to the credit bureau 's and negatively affecting me. I also had insurance at this time.
I pulled my  XXXX  And Experian credit report in   XXXX   XXXX   and noticed   XXXX   XXXX  k and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with  XXXX  stating this is not my account and with Experian 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called   XXXX    credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with Experian as well that this is not my account. This last dispute on   XXXX   XXXX  , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (   XXXX   or Experian  ) w ill not provide proof and I have did all I can do.     I also advised Experian the following Inquiries are fraudulent /not authorized by me :  XXXX -  XX/XX/XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX   XXXX  -  XX/XX/XXXX  &  XX/XX/XXXX   XXXX    XXXX   I advised  XXXX  the following iquiries are  fraudulent/not autho rized by me :   XXXX   XXXX   XXXX   XXXX   via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  I need this to be corrected and removed from my credit reports.
Paid my state tax bill and it shows as a lien on my and my husbands credit report. 

XXXX XXXX XXXX XXXX Paid XXXX XXXX 2016 Lien # XXXX Acct # XXXX Amount paid in full XXXX
Experian was able to pin point which account was linked to what name variation and address and so was Transunion making it easy to identify Identity theft on my report. 
The Equifax rep was neither willing nor able to identify when or how they came to report the name on my Equifax report e.g. XXXX XXXX XXXX ( wrong ) vs. XXXX XXXX XXXX ( correct ). XXXX syllable seems trivial but it is enough to block a potential creditor from viewing a credit file because the information is inconsistent ... it blocked XXXX from accessing my report. After being on hold for 30 minutes to speak to a supervisor ( total call time 1 hour 09 minutes ). I spoke to a lead named XXXX, the lead for the blue team. I asked for a manager and waited 30 minutes to speak to a lead. After being denied the information from the previous rep, she acknowledged that the name " XXXX XXXX XXXX had been reported since XXXX 2014 '' but would not pinpoint which creditor reported or submitted a request using this name variation. She made no effort to advise how I could fix this issue but rather echoed the statement from the prior rep. I advised that I attempted to dispute this information on line so that I could scan my credentials. She acknowledged Equifax continues to have technical issues. 
In summary : First : Equifax was unwilling to help me identify which company reported the inaccuracy. Had Equifax provided me with this information, I would be able to contact the original creditor and have them correct the information. 
Second : Creditors I want to view my credit report can not do so because of inconsistencies in my report vs what I submit on an application.
I was notified of a deficiency with my property taxes of over {$450.00}. I paid the deficiency and yet it is being added on a monthly basis. When I called the Mr. Cooper representative told me I lacked funds in my account, yet when I checked the city tax office I am all paid for the year. I also spoke with the city assessor who told me my tax liability increased only $ XXXX/year yet somehow Mr. Cooper is charging me $ XXXX/month additional. The Mr. Cooper representative informed me that this is because of a doubling of my tax base and refuse tax. Unfortunately, I pay my refuse tax through the HOA, not direct. I feel as though I have been defrauded of funds and request an immediate investigation into Mr. Cooper 's business practices. My account number is XXXX
On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX Equifax letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my XXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my XXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For XXXX, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from XXXX, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my XXXX is still being reported as information to be known that they are on my XXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX #  XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for XXXX  # XXXX. 

XXXX  # XXXX, as of XX/XX/XXXX refuse to update my address  to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my XXXX, although it is acknowledge that the XXXX Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,
I purchased several items using my XXXX store credit card and the " special financing '' offer where there would be no finance charge on the amount if it were paid off in a certain period of time ( six months ). Those orders were placed in XX/XX/2018 and the special interest rates expired in XX/XX/XXXX. The problem is that a large percentage of the merchandise was returned or refunded due to defects or the wrong item being shipped and when those refunds were made, the special interest plan on them was not updated to reflect that fact. Thus, on the expiration of the special interest plan, I was charged interest on the full value of the purchases as if they had never been paid off within the six months, when in fact the portions of charges not refunded or items not returned had indeed been paid in full. 
This resulted in significant accused interest charges being applied to my account and the automatic payments that I had set up were suddenly too low because XXXX had charged me for interest accrued although they had received refunds and payments that paid off all of the balances of the special interest rates purchases.
We have been attempting to set up automatic payments to PNC Bank on Home Equity loan # XXXX. We previously had this set up but stopped when we experienced a drop in income for VA Disability. After a 19 month battle the VA decided in our favor increased the monthly disability and paid a settlement to us. I have been trying to get PNC to reestablish autopayments but only get form letters. Critical information on our loan and property. Our 1rst Loan with PNC Mortgage is for {$500000.00}, this Home Equity is {$110000.00}. Per the PNC appraisal the home is only worth {$350000.00}. This debt was also discharged and not reaffirmed in my 2007 Chap XXXX Bankruptcy. PNC wrote off the debt. There is no equity for the PNC Bank Home Equity 2nd lien. Despite all of this we are willing to make payments via auto deduction but PNC employee 's don't know how to assist. We ask PNC to reestablish the auto payments or completely forgive the loan and release the lien on the property