WillisBack/dataset-financial-user-claim huggingface dataset:
Just finished my XXXX degree. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( LVNV Funding , LLC ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.
Good Morning, I have been dealing with Exeter Finance Corp in trying to pay off my XXXX XXXX XXXX ( a minivan ). I called Friday, XX/XX/XXXX to get a payoff quote. I was quoted {$4100.00} and some change. I asked if that included all fees and that was all I owed. I was told yes and that the payoff was good through XX/XX/XXXX. 

I called back today XX/XX/XXXX to make the payment and was told I owed almost {$4400.00}. When I asked how was that possible they told me extra fees had been added. They said they had been added after I called. Why were they suddenly added after I called for a payoff? And when I asked if that included all fees in the first call she said yes. 

This company has been featured on XXXX XXXX XXXX with XXXX XXXX as having predatory lending and underhanded business practices. Several Class Action lawsuits have been filed against them already.
I disputed every negative item on my credit report, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free XXXX  National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any  organization who uses my name without my consent, and committing fraud.
Transunion had errors in education and employer, and locked me out when trying to update for my " protection ''.
I received a copy of my credit report today and there is an account on there from this company. I contacted the company and spoke to someone named XXXX ( I believe. He said his name really fast one time and would not repeat it after that ). He advised that they account is from XXXX in the amount of over {$1500.00}! I have NEVER done any business with XXXX nor have I signed any contract the XXXX  XXXX. I have been a customer of XXXX XXXX XXXX since 2005. I told the rep that the account does not belong to me and I need verification of the debt and which he proceeded to ask for payment. I declined the payment and the rep disconnected the call while I was still speaking. The account does NOT belong to me and I demand that it is removed from my credit report immediately!!!
i made online payments through my bank. They returned the funds 3 months in a row. They called and said i was late. we did a 3 way call with my bank and confirmed the payments were sent out on time but returned to bank by them. I immediately gave them the debit card ( which was tied to the account online the funds was going out of ) and paid it in full. we confirmed with the representative account #, address, etc. They are still returning my payments and notifying credit bureau i am late. The representative told both my banker and i that they would have somebody call both of us back the next day to confirm that payments were sent and returned and correct info sent to credit bureau 's. That never happened and they are still notifying credit bureau that i am late. I filed a complaint with the XXXX but as of yet nothing resolved. Thank you
my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts  removed from my credit reports
My company has checking accounts at Suntrust Bank. My online access was cutoff due to " incorrect password. '' I have a password manager program, so I know this is false. I called and spoke to someone in XXXX. I gave him the last four numbers of my company 's taxpayer ID number. He said it was the wrong number and the account was locked. I spoke to " XXXX '' his supervisor who said the same thing. My password did not change. Suntrust simply locked me out to force me to reset my password, then apparantly screwed up the paperwork they have on my company. It's now Saturday afternoon and all banks are closed, so I'm out of luck till Monday. 
Please figure out what's going on. Thank you.
I was unemployed from XXXX XXXX, XXXX to XXXX XXXX, XXXX requested monthly help from Mohela telling them I had number money for any payments for my student loans. They did n't inform me until XXXX XXXX that I could defer with any penalty monthly. In XXXX XXXX I was informed by a Mohela agent that I could have submitted for a 6 month deferment the day that I was unemployed due to my unemployment.
Southwest Recovery Services was paid for an outstanding rental debt that had been paid upon the agreement between myself & the collector that the debt be permanently removed from all XXXX credit bureaus XXXX. They have failed to take any action, which has resulted in difficulty for me to secure housing.
According to my credit reports, in XXXX 2016 Portfolio Recovery purchased an account from XXXX XXXX showing {$380.00} as due. P.R.A. began reporting to the various credit bureaus some time after. For some reason, however, they are reporting the account to the bureaus with different account numbers. P.R.A. is reporting it to XXXX as account number " XXXX- XXXX '' and to XXXX and XXXX as account number XXXX. 

I get that P.R.A. is a debt buyer, and is not a credit bureau and simply makes reports to credit reporting agencies on the accounts it buys. However, the credit reporting agencies reflect the information that P.R.A. reports to it ; XXXX does n't simply make up an account number itself. It shows whatever account number P.R.A. reports. Because P.R.A. is reporting different account numbers to different bureaus, that means when someone runs a multi-bureau combined report where on me ( which happened recently ), where information from XXXX, XXXX  and XXXX XXXX is merged into a composite report, then the {$380.00} shows twice, for a total of {$760.00}. 

I have attempted to rectify this by disputing the accounts, but Portfolio verifies them as accurate and continues to leave its information unchanged. Am I to assume from this that the error is intentional?
Equifax hack. My identity info was stolen and they knew about it. Plaintext files are you kidding
My homeowners insurance was originally due in XXXX. I received notice XX/XX/XXXX from XXXX XXXX that the policy has yet to be paid by our mortgage account with XXXX XXXX. We have sufficient funds in escrow to pay this policy. The insurance company has been in constant contact with XXXX and they have been told numerous times that the payment would be sent overnight but it has yet to be done. The insurance has extended the due date til XX/XX/XXXX for this to be paid to protect myself, the homeowner. I need help to get the mortgage company to pay this payment out of my escrow account like they are supposed to. Dates of contact ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
I did a loan modification on my mortgage 8 years ago. I was aware of the increase in the interest over the time period. I did start back at 30 years. I now have a XXXX dollar balloon payment after I pay off my mortgage. How is this legal? I have lived in the home for 28 Years and I the company has and will get plenty of money. This balloon will put me over what the home is worth.
XXXX XXXX Enhanced Recovery Company , LLC is still reporting negative account in all XXXX of the credit reporting agency. I have showed them proof that I have paid my account in full, they have investigated and wrote me a letter of apology and promised to contact all XXXX credit bureau to delete my account. 
I have the email letters from comcast to confirm my account was paid in full.
I received a letter from an attorney office regarding my XXXX account that they are handling my account and that it 's no longer with XXXX and it had the balance owed etc. with to all XXXX XXXX to remove the XXXX account. Equifax never removed the account they never notified me of the results or anything. They actually add a new account to my credit report causing my score to drop even though I provided proof the account with XXXX was no longer their account and has to be removed from my credit. They are the only cb who does n't truly validate debt. I have another account XXXX XXXX who never validated the debt and has been removed by XXXX and XXXX but Equifax again updated the info and said it was verified. I never got the method of verification who they spoke to or what was verified. I reached out to XXXX XXXX and they still have n't validated the debt. I know the cb make money by keeping bad information on our credit reports but it 's ridiculous when you send proof and they still refuse to make the proper updates and corrections I will provide all proof of what I submitted and what they have done. It 's time they be held responsible for failing to properly handle my credit report and validate information. By law they are required to investigate and not just sat verified and by law they are required to give info received and I still have not gotten anything.
XXXX XXXX XXXX XXXX XXXX has been on my report for 7yrs 2 mo it should have been removed once it hit the seven yr mark I request that it be removed IMMEDIATELY!
On XXXX XXXX, XXXX, I sent IC System Collections a certified letter requesting validation of a debt they say I owe. The said letter was received on the XXXX day of XXXX. In that letter I asked that they validate the debt within 30 days ; However, I never got a response from IC System. 
As stated in such letter, I requested any debt that could not be validated, be removed from all three bureau 's in which it is being reported. There are XXXX accounts with this company that is being reported negatively with the bureaus. Having this report negatively and not being validated per my request, within the timeframe, is a direct violation of my FCRA RIGHTS. Because of IC Systems failure to validate a debt in a timely manner, I am asking that the accounts be deleted from all reporting agencies. 

Thanks kindly
Equifax are allowing companies to place inquiries against without first contacting me to see if the inquiry is valid as per my 7 yr credit file freeze. I have sent a police report to Equifax previously which they have on file for Identity theft and they are continuing to allow these things to happen. With their recent Breach I do n't feel this company is taking all measures to protect consumers. The following unauthorized inquiries are ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Furthermore recent disputes with the one collection I have with XXXX XXXX XXXX is being ignored. I have numerous times state that I do not have a Contract to pay this company and the account is still affecting me.
The woman I talked to was rude! I simply asked where the debt was coming from. All I had was a statement not from who it was from. I know it 's medical related, but I did n't know from where so I could n't deal with the situation. I talked to my insurance and they said I needed certain information in which the lady could n't provide me with it. I think if you 're trying to collect then you should do a better job!
I checked my transunion report and found multiple hard inquiries that I did not authorize and are hurting my credit score. These are the hard inquiries. 
XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
MY SISTER, XXXX XXXX XXXX, DIED XXXX XXXX, 2016 IN XXXX, WA. SHE WAS A CLIENT OF CITIBANK AND I AM THE EXECUTOR OF HER ESTATE. SHORTLY AFTER SHE DIED, I NOTIFIED CITIBANK AND WAS TOLD TO FAX THE IDENTIFYING PAPERS TO THEIR OFFICE OF DECEASED CLIENTS. I DID THAT AND THEN WHEN I HAD NO RESPONSE I CALLED AND WAS TOLD I HAD TO MAIL THE NOTARIZED DOCUMENTS : DEATH CERTIFICATE, AUTHORIZATION TO SERVE AS EXECUTOR, PICTURE ID, AND DEPOSIT SLIP IDENTIFYING THE ACCOUNT. I DID THAT ACCOMPANIED WITH A LETTER ASKING THEM TO SEND HER STATEMENTS TO ME SO I COULD CLOSE THE ACCOUNT. 
SO FAR THIS SOUNDS QUITE STRAIGHTFORWARD. NOT SO. THERE IS NO BRICK AND MORTAR FACILITY IN WASHINGTON STATE, ONLY ATM 'S. THERE IS NO WAY I CAN DEAL WITH THEM FACE TO FACE AND NO NUMBER FOR THE DECEASED CLIENT OFFICE. EVERY TIME I START WITH A SERIES OF PHONE CALLS I CAN GET NO INFORMATION ABOUT WHERE THE PAPERWORK IS. IT IS NOW FOUR MONTHS LATER AND I HAVE NO INFORMATION FROM THEM. I KNOW THERE IS MONEY SITTING IN THE ACCOUNT AND I NEED IT TO CLEAR HER BILLS. I HAVE NOT EVEN RECEIVED A STATEMENT FROM THEM. 
THIS IS LIKE YELLING INTO THE WIND. 
I HAVE NOW SENT A COPY OF THE FIRST LETTER AND A NEW LETTER TO THE XXXX XXXX DEPT THAT IS FOR STATES WITH NO WALK-IN OFFICE. 
CITIBANK NEEDS TO HAVE SOMEONE FROM THE DEPT. FOR DECEASED CLIENTS CALL ME AND DEAL WITH MY SISTER 'S DEATH. 
NO BANK SHOULD BE ABLE TO OFFER SERVICES ACROSS STATE LINES WITH NO OFFICE IN THE STATE TO HANDLE THESE PROBLEMS. I CAN NOT BELIEVE THIS DOES N'T HAPPEN ALL OVER THE COUNTRY AND THE PHONE ACCESS IS IMPOSSIBLE TO DEAL WITH.
The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I am wanting to dispute this debt, and have it not reported to any credit bureaus.
I have an existing first mortgage on my home with Citibank. I have an equity line of credit on my home with Citibank. Several years back when the economy took a turn for the worse and other unforeseen circumstances occurred I found it difficult to pay my obligations. I am self-employed. I have recovered and have brought each and every account current. Except for the equity line of credit with Citibank. It is not because I chose not to. I have for 5 years been trying to modify the equity line of credit with Citibank. I have documentation, correspondence and appraisals to document the last 5 years. I have never received a denial from Citibank and I have never received an approval from Citibank. I have written correspondence from Citibank they have received all the documents needed to evaluate a modification and move towards some kind of repayment. I have correspondence from Citibank that they would not move forward with a foreclosure if they received all the documents. Citibank received all documents several times, over and over again. Citibank has now moved forward with foreclosure. I have made payments through XXXX. I learned in the last quarter of XXXX that my payments were in a suspense account and not being credited to my account. I then learned that the payments I made and have been making over the years while trying to gain an approval of modification had not been applied to my account but thousands of dollars has been applied to accelerated interest. I have been assured by each of the XXXX different relationship managers who handled my account that no legal action would occur while I was in underwriting. I have all of the documentation to support my words in this communication. I have shared over and over again with Citibank how harmful this account reporting negative is for me being self employed. I have lost jobs because of their negative reporting. I have been denied or forced to pay higher interest on equipment I needed to purchase for my business. I was on the phone yesterday with my " New '' relationship manager of Citibank and today I received a phone call from a sheriff wanting to serve me with foreclosure papers from Citibank. As short as yesterday I was told I am in underwriting. This is not human. I have over XXXX feet high of documentation I have submitted, all I wanted was to get back on a repayment schedule while making payments in the meantime, only to learn none of the payments I have made were applied to my account. In summary Citibank has been taking payments for these years while I was applying for a modification for 5 years, yes 5 years never approving or denying all of my applications and now Citibank 's position is I have not made a payment since XXXX according to the papers filed. I hope and pray someone can help me and my family.
After filling application for XXXX, XXXX XXXX XXXX XXXX on XXXX, a Renter 's Report showed XXXX judgments against XXXX XXXX, who is not me. Both by XXXX XXXX XXXX, XXXX XXXX, CO. The XXXX filed XXXX case # XXXX and the XXXX filed XXXX case # XXXX both against the plaintiff, XXXX XXXX. Records will show I was living in my mortgaged home, XXXX XXXX XXXX XXXX XXXX, NV XXXX from XXXX to present and working at XXXX XXXX in XXXX XXXX from XXXX to present. I keep all of my pay check stubs including all from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. I am NOT the plaintiff XXXX XXXX, I have never even gone by that name. 
Please remove this inaccurate and erroneous information from this and other credit reports. 
Thank you, XXXX XXXX XXXX
EQUIFAX credit factors considered XXXX old collection accounts, which I have cancelled them properly see attachment, and does not consider the antiquity of credit from XXXX XXXX XXXX 's eight years old. I need to re-evaluate my credit rating.
I have never applied for a loan at GMAC for any automobile. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
I had a XXXX credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. Equifax and XXXX. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
I was looking at my equaifax score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.
In XX/XX/XXXX I reviewed my credit report and noticed several accounts i believe to be fraudulent. I believe these accounts come from one of two security breaches i was involved in the XXXX  data security breach of XX/XX/XXXX and the XXXX  XXXX  XXXX  breach of XX/XX/XXXX. i would like these items removed from my report as soon as possible. I am a victim of identity theft and need these items removed immediately.
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX and have had no response from Trans Union ; XXXX ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
A couple of years ago I took out a loan from a company named XXXX XXXX. They ceased communication with me about a year ago but within the last few months National Credit Adjusters has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.
Case number : XXXX This is the submission of XXXX XXXX disputing the response " Explanation of closure '' of JPMorgan Chase Bank NA of XX/XX/2016