WillisBack/dataset-financial-user-claim huggingface dataset:
For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University XXXX XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft
A person claiming to represent Alliance One debt collection agency called me from the phone number XXXX. They claimed I owed {$47.00} for a past due debt owed to the NY Port Authority related to XXXX. They claimed that both they and the NY Port Authority had sent bills to an address but did not give the exact street address to which the bills were sent. 

I have n't lived in NY for several years and I am unaware of any debts owed to XXXX. I suspect they are either mistaken about me owing a debt or they are making the debt up to see if I 'll pay them money. If I actually owe a debt I am happy to pay it if they will provide written proof of the debt. They should have to send proof of the debt to my address. They should not be calling me asking me for information about where I live or to verify additional information about me. It is unfair and unreasonable for them to be able to claim they sent a bill to an address where I do not live and expect me to pay the bill and whatever fees they chose to add onto the supposed bill.
My mortgage servicer ( XXXX XXXX XXXX ) sold servicing rights to Nationstar starting XXXX XXXX 2015. I contacted XXXX and was told that I had no say in the matter, but the only change I would see is the account # and address I send payments to. I called Nationstar on XXXX XXXX to set up my auto bill pay, but was told they did n't have my account info yet and they would be sending me a welcome packet with all the info I would need. I did n't receive this packet until XXXX XXXX. I called Nationstar customer service ( poor description of what they do ) and was basically told there was no way to set up the payment option I need ( the same plan I had with XXXX and my previous servicer ). I am in the military, so I get half of my pay on the XXXX and the rest on the XXXX of every month, so I need half of my mortgage payment to auto draft on the XXXX and the XXXX. Sounds simple ... apparently it 's impossible with Nationstar. I have spent hours on hold and have to explain my situation every time I get transferred to a new person. On XXXX XXXX I received a notice that " your loan is due for XXXX XXXX, 2015 and is in default '' and " unless this delinquency is paid by XXXX XXXX, 2015 we will accelerate/demand your loan and begin the foreclosure process '' pretty sure federal law REQUIRES a 60 day grace period beginning the effective date of servicing transfer. This whole experience has made me extremely uneasy, as I previously stated, I am in the military and XXXX at a time. I received notice of the servicing transfer just after returning from XXXX of these XXXX, what would have happened if it had come just after I XXXX? 
I would have come back to a house in foreclosure because of an unethical practice of transferring servicers without my consent! Is there seriously no protection for XXXX service members from this? Also, PLEASE read XXXX and other reviews of Nationstar Mortgages and ask yourself how they are allowed to continue preying on people just trying to do the right thing. I would do ANYTHING to distance myself from this terrible company!
I received a letter regarding an unknown bill that I was truly unaware of. I then send them a certified letter with return receipt and they refused to respond back with any evidence that this debt they are trying to collect belongs to me. after further research I come to find out that not only do I believe this is not my debt but it is well over passed the statue of limitation in my state. they are clearly in violation and I demanded in writing that they no longer contact me on this matter.
My wife and I had a XXXX XXXX card which we have paid off and closed the account. Our payments to the card were via bank drafts, consequently, we unaware that a company had attached itself to our account and was charging monthly, based on our balance. The company is XXXX XXXX in Georgia. For two months, I have called the company and the have lied to us more than once. The owe us {$1000.00}. They have said that a check was mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these checks has ever reaches our mailbox.
I received a statement from  Chase Amazon  which was Due  XXXX   XXXX ,   XXXX  . I showed the balance as  XXXX . I set up payment in the amount of  XXXX  and paid it on the  XXXX . When I received my statement there was a  XXXX  interest charge. On  XXXX   XXXX ,   XXXX   called them because you should not show an amount due and then have the customer pay it, then charge them interest on it. Ironically the same thing happened with  XXXX  and they ate the charges. Since I could not come to an agreement I closed the account. To make it even better I called on  XXXX   XXXX ,   XXXX   and discovered that had already added another  XXXX  in interest since the last statement I paid off.  <P/> I asked to immediately pay off the amount due an was given an estimate and the agent could not guarantee the amount. On  XXXX   XXXX , I paid {$420.00} and will wait to see my closing statement. I will refuse to do business with any Chase company again.
I have tried to work with Navient to reduce my payments so they are affordable with my Federal Loan payments. Currently I am paying {$600.00} combined for these loans and no one is willing to assist me with making this payment affordable. I recently had to file for bankruptcy due to my high student loan debt. I am currently paying a variable interest rate of 8.25 % on nearly a {$30000.00} loan with Navient and they are unwilling to work with locking in a reasonable interest rate.
I have repeatedly asked XXXX and XXXX to dispute the validity of this account but this creditor ( XXXX ) formally ( Carfinance.com ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.
XXXX XXXX XXXX, is listed on my Transunion report for a debt amount of XXXX. I have never received and documentation about this debt owed. Furthermore, I have no idea what the debt is for, and should be removed immediately to show my true credit identity
Experian has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX not mine COLLECTIONS XXXX XXXX XX/XX/XXXX {$1600.00} not mine INQUIRIES XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
I was contacted by a debt collection agency. I notified the representative that I would like to dispute the debt because I did not owe the amount. The representative stated she would only mark my account as a refusal to pay. I stated multiple times that I do not owe the amount and she refused to acknowledge it and stated I am just refusing to pay.The representative then stated this call is over and ended the call.
I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was XXXX on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid BANK OF AMERICA/FIA CARD SERVICES in full. 

XXXX reports BANK OF AMERICA as " Derogatory '' and as " Negative Account, Closed Account ''. It continues to report the status as " Wage Earner Plan '' and the " Date Reported '' is " XXXX/XXXX/XXXX '', which is after my bankruptcy discharge. BANK OF AMERICA continues to report a balance of {$19000.00}. 

XXXX reports BANK OF AMERICA with XXXX " Derogatory '' and " Potentially Negative Closed '' accounts, XXXX of which appears to a duplicate and is incorrect. 
The first account # XXXX reports " Payment Status : Making regular payments under XXXX. '' and reports a balance of {$19000.00}. 
The second account # XXXX reports the " Account Type : Banks and XXXX '' ; it should state Credit Card Company. It continues to report the " Payment Status : Wage earner or similar plan ''. 

XXXX reports BANK OF AMERICA accounts as " Derogatory '' and as " Credit/Revolving Accounts ''. It continues to report the " Status Payment Plan ''. This account should also be reported as closed. 

I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX BANK OF AMERICA addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX, XXXX and XXXX, respectively. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above.
XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of first delinquency for both accounts as XXXX XXXX. I have contacted the original creditor ( XXXX XXXX XXXX XXXX ) and verified that they date of first delinquency for both accounts is XXXX XXXX. I have also requested that XXXX, Experian and XXXX correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of first delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.
XXXX  and Equifax state that I have closed three XXXX XXXX XXXX Credit Card accounts. Those credit cards never reached my address almost 2 years ago. XXXX XXXX told me at the time that these wont show in my credit report. I only have one credit card with them. I never closed 3.
XX/XX/2015 I received an offer from Citibank to apply for the Citi Advantage card with, which was offering a seasonal bonus of XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I was at the time a XXXX year old XXXX XXXX who had never had a credit card and although I was cautious but I decided to apply. I am very conservative about sending so my plan was to use the card on expenditures I otherwise would have made with my debit card. Specifically, I planned to charge my Fall tuition to the card in order to reach the spending requirement before the offer expired. I was approved for a Platinum Select with a {$2500.00} LOC. I received the card after the XXXX holiday and activated it in XX/XX/XXXX. My XXXX purchase was made on XX/XX/XXXX. Over the next 3 months I used my card instead of my bank account for tuition expenses as well as other medium to large purchases, diligently trying to make sure I reached the $ XXXX in charges. Before deciding to apply, I had called the customer service line on the mailer and asked about the details of the program and I was told that " account opening '' referred to my activation of the card and this would commence the 3 month countdown. This being my very 1st credit card experience I took that at face value, additionally, when my card arrived the accompanying package contained literature which had disclosures, but none which expressly outlined Citibank 's definition of account opening. I tracked my purchases and calculated {$3000.00} in purchases by XX/XX/XXXX, however, when I called in XX/XX/XXXX to inquire when the miles would be reflected I was told that I had missed the spending requirement, having made only {$2900.00} in purchases because they were disallowing my last purchase. I am by all accounts crestfallen, here i am having accumulated $ XXXX in charges and related interest and Citibank is insisting that they will not honor my bonus reward because they started the clock from the date of approval. I find this to be a very deceptive tactic on their part, how can it be expected for a cardholder to fulfill program spending requirements with a card they have not yet received. As a young student trying to be wise about credit and finances, I feel very much disillusioned by this experience with Citibank. I do not feel that their credit card disclosure adequately addresses the specifics of the Bonus Rewards program in regards to qualifiers ( lack of definitions, glossary etc ). I would like Citibank to address my grievance.
Refused to remove inaccurate information from my credit reports. 
Also information is over eight years old.they also refused to provide copies of original contracts or statements to prove validity of said debt.
Option was not included in selections. I am having the problem of Ally Financial contacting my parents, aunts, uncles, and cousins. I have recently taken a severance package from my work. I am not currently working since then and am waiting for my severance pay. I have told them that is what i am waiting for to pay it and that it would be within 2 weeks and they keep calling all of my family multiple times a day every day and have been told to stop calling from my family members.
I recently applied for and received an American Express XXXX XXXX. This card is advertised to earn 4X Membership Rewards for Restaurants. My last statement has multiple restaurant charges that DO NOT earn the advertised 4X. I contacted American Express about these discrepancies and was told that these charges did not earn 4X because the restaurant did meet the criteria. However, the charge is clearly labeled Restaurant : Restaurant by American Express 's own data. 

During the Chat - American Express would only look at individual charges and NOT all the Restaurant : Restaurant charges that did not earn the 4X.
Elan Fin Svs, Open an account in my name for {$1700.00} and said I paid them {$80.00} to open the account. I do not know anything about this account. I need some help with this problem, this is causing me trouble with my credit report. I think this was done on purpose the hurt peoples credit. How can someone open an account in your name without your permission?
I received a loan in the amount of {$850.00} and by the time the loan is paid in full I will have paid 8 payments of {$270.00} for a total of {$2100.00}. Per the State of Michigan Department of Financial Institutions the organization XXXX XXXX is not licensed to provide loans in the State of Michigan. Since this organization violates state and federal usury laws I do not feel that I am obligated to repay any amount over the principal borrowed which I have already repaid. Despite this organization providing illegal loans I have attempted to contact them to delay a payment 3 days from XX/XX/XXXX to XX/XX/XXXX and have been not only denied but threatened with immediate collection activities if I pay later than XXXX XXXX. on XX/XX/XXXX. This company is threatening to harass me when I am clearly attempting to pay this loan in full despite it being an illegal loan in the State of Michigan.
Hello, I am the co-signer of a Sallie-Mae private loan. This loan is more than XXXX paid off and in good -standing. Sallie Mae is harassing both my daughter and myself by calling us non-stop multiple months in a row stating payments have not been made. Payments have been made ; however Sallie Mae does not process them in -time or properly. From my end, payments have been withdrawn from my bank account and then not applied for XXXX weeks to the account. This month, I made a payment with Sallie Mae 's own internal payment system and received a confirmation number. This was on XXXX XXXX. Payment was processed on XXXX XXXX. I called on XXXX XXXX to speak with a customer service rep to re-confirm this was what was showing on their computer screens. I was told yes this is correct and that payment was applied. Harassing phone calls continued throughout the holiday weekend. XXXX XXXX another harassing phone call arrived in the afternoon. When I returned the call, the service representative answered the phone and stated I had an overdue balance and asked me how I was going to " take care of the balance due today ''. I informed this representative payment was processed and already paid. She went on to ask if I had the correct address. I informed her that yes I do ; however, this payment went through Sallie Mae 's own internal payment system over the phone. When she indeed checked, she confirmed that the payment was processed and that the account was current. I requested the harassing collection calls to stop and she verified that they would indeed stop as of that phone call the afternoon of XXXX XXXX. My daughter and I both received another call XXXX on XXXX XXXX. I have since blocked the Sallie Mae number on my phone and have advised my daughter to do the same. I informed the service representative that I had investigated the bill pay software on my computer. When prompted for address changes/updates, the program states " Sallie Mae will contact us with address changes ''. I have correct address for bill payments, but since the program does not allow me to manually put them into a payer with established contacts such as Sallie Mae, I have decided to mail future payments. The representative told me not to mail the payments because they have a slow time processing the mail. I do not have any problems or difficulties with any other loans or any other bills I pay. I would respectfully request Sallie Mae to stop harassing both my daughter and myself with phone calls when payment has already been sent. I further request all late fees from this year be removed from this loan. I would also like an apology from someone for all of these harassing phone calls and loss of time from my day. 
Sincerely, XXXX XXXX XXXX, XXXX, XXXX, XXXX
I received my yearly mortgage payment booklet on the mail on XXXX XXXX from home loan XXXX. The payment book showed that my home mortgage payment went from XXXX a month to XXXX a month. I called home loan serv and they blame the {$250.00} a month increase on my home taxes. The taxes on my home have be nearly the same amount for the last 2 years. The mortgage company told me to contact the city about my taxes. I did, to which they told me the amount approx {$1800.00}. Looking at my payment booklet it 's showing me as having a negative escrow balance right now of being {$540.00}, telling me o have a shortage of {$980.00}. I realize that my mortgage was sold to this company last year from wells fargo, but why now are they raising my payments when all along my taxes on my home have been about the same. The lady whom i spoke with at home loan serv all but brushed me off, I waited on the line for over XXXX minutes and all I was told was to call the city.
On XX/XX/XXXX, I wrote all three credit bureaus requesting that Midland Credit Management , Inc validate the debt on my credit files. The credit bureaus said the accounts were verified, but never provided how they verified the accounts with documentation which I requested in my letter to them with in 30 days. I received correspondence from Midland Credit Management on XX/XX/XXXX, in response to the XX/XX/XXXX, letter to the credit bureaus. They mailed an itemized print out of charges that are not familiar to me. They didn't provide the original contract or anything with my signature, no copy of their license to show me that they are license to collect money in the state of MD. Then they requested information from me regarding my dispute and stated that if its in error provide documentation. So in other words they want me to do what I asked them to do which is validate the debt. Also, an itemized statement does not prove nor validate the debt on my credit file. 

15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15USC1692f states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
I have disputed this account numerous times. I 've never owned an account with Afni Inc . I have contacted each credit bureau of which this company has reported a debt under my name. The company can not verify any account under my name with them. 

As a result, I have been penalized with higher than usual apr rates for credit I have been approved for on loans and other lines of credit. I have also been denied credit when needed and housing twice, or charged larger deposits. 

It is unethical and illegal to try to falsely collect a debt that does n't belong to someone.
I orginally started with just two direct loans one subsidized and one unsubsidized loan with XXXX. I learned that had expanded over my attendance at devry was actually 9 loans each with different interest rates, to which i was never notified or was had explained. This has made my loans near impossible to pay with minimum payments being 500+ dollars, this has negatively impacted my credit greatly. And also has caused my much emotional and mental distress.
This is a debt that 3rd party Midland Funding is trying to collect on. I am unaware of the debt and they have not provided valid information that this debt legally belongs to me, I 've sent a Debt-Collector-Disclosure-Statement and a Dunning Form letter to Midland Funding and to their lawyers twice to no avail and they have not proven that I owe them the dept. They are reporting me to the XXXX credit bureaus. I 've disputed with the XXXX credit bureaus but they will not take it off of my reports.
I ask them to identify themselves when they call. They refuse to answer my question. Then hang up call me 4 times a day. I made it clear that I do not owe anyone any money and they can communicate with me by mail. They do n't even have a valid debt to collect on. I would like to take legal action against them for unlawful harassment. My number is on the do not call list as well.
I disputed a XXXX collection on my Experian credit report starting XX/XX/XXXX. Up to now, Experian still has not removed the XXXX account even after I submitted proof of XXXX balance on XXXX of the account. I informed them that XXXX is submitting incorrect information.How can I have XXXX accounts opened at the same time? Also, how can I receive a credit and a check after I moved and closed my account? Experian is refusing to remove this debt collection account based on XXXX unwilling to rectify this incorrect information reported on my credit report. Experian quickly concluded their investigation in a matter of days and did n't provide me with details as to how they concluded the debt is valid. I need to have this debt removed and for the time clock not to be restarted because I am disputing them with CFPB. Account Number starting with XXXX is not my account and states it was open XXXX. While the correct account XXXX was opened XXXX and last status was on XXXX. This is from Experian report number : XXXX/Report Date : XX/XX/XXXX when I requested my free credit report.