WillisBack/dataset-financial-user-claim huggingface dataset:
I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX  almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
Navient took over multiple student loan accounts of mine. My student loan accounts have changed companies so many times that I can barely keep up with what loan is where. 

I initially spoke with an agent to figure out what I owed on a monthly basis and to set up automatic payments. I spoke with an agent who set up the payments for me. I went above and beyond asking questions and I specifically said- " will this take care of all of my loans with Navient so I do n't have to set these payments up again '' She confirmed. 

As a consumer, I do not know how Navient runs its business. Nor is it my responsibility to do so. The burden of responsibility should lay with the company. Being up front and transparent with customers on how the company operates. Without my knowledge, my Federal loans ( which apparently are a completely separate department that the previous agent can not access ) went past due. Navient had on file, the wrong phone number, address and email for the Federal student loans- though I updated this information with the previous agent. I had no idea that my loans went past due since there was no communication to that affect. The only way I found out my loans were past due was by logging in to Navient ( which I rarely do since I have everything on auto-payment ). I logged on to print off balances on my student loans and realized I was past due several months. I immediately made the payment and set up recurring payments. 

The damage to my credit had already been done. I was reported as over 90 days past due on an account I had believed was in good standing. I called Navient to ask them to remove the past due and to address the issues with their faulty communication practices. They told me that I needed to submit a handwritten note and that their legal department would then " investigate '' to see if Navient did anything wrong. 

The thing is, the student loan process is already practically criminal with compound interest making it impossible for people to get out of debt. I am willing and able to make payments. I trusted what the agent told me when I first spoke with her. I trusted that when I asked if this took care of " all my student loans with Navient '' that she knew what she was talking about. How is it my responsibility to understand the inner workings of a clearly purposefully confusing process? 

I would like this information removed from my credit report immediately. I have every intention of paying my loans. The only reason these loans went past due was because I did not know they were due. If Navient had the correct information on file or if the agent I originally spoke with knew what she was talking about- this would not be on my credit report. I
I checked my job VM system and saw this number  XXXX  I thought it was my client so I listened to the message. It was someone who said his name was  XXXX   XXXX  from  Alliant /capital? managemen  XXXX  calling to get my side of the story on a debt I owed before legal actions were taken he said I needed to call  XXXX  him that day  XXXX / XXXX /  XXXX   by  XXXX  ... First off this is my job he called on a Monday which I do n't work Mondays so there was no way I could have called him back secondly I can be terminated for these types of calls and I have no idea what debt they are speaking of I have not signed any contract with  Alliant Capital Management..
For the past year my family and I have been trying to process a mortgage loan modification with ocwen loan servicing, when we first started we were under the assumption from the representative all we have to do is fill out the packet of documents and provide all the documents necessary to process the application which we done so, the relationship manager at the time indicated it would be under review, but had indicated we had all the necessary documents that were provided. Then after a month went by ocwen had changed the relationship manager, so the new manager had us restart the process all over again. this seems to be recycling every 2 months to the point the documents become out dated, nothing getting expedited. I believe we have gone through XXXX relationship managers to date ( as of XXXX 2015 ). It is becoming almost impossible to get a loan modification in order to help my families financial situation. we need help and assistance, thank you
I have already contacted Wells Fargo and XXXX XXXX a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )
The number XXXX has called my cell phone multiple times daily since XXXX XXXX 2015. Any attempt to answer the call results in an immediate hang-up. XXXX time a person came on the line asking for another individual, but did not provide any other information and hung-up. They continue to call relentlessly.
Professional Credit Anyalysis is trying to collect a debt I have no knowledge of. Im not asking for validation and I just want these people of my credit report. I also find it odd that the original creditor reports as another collection agency called XXXX XXXX and would like the Consumer Financial Bureau to investigate this. Also another odd thing is I have searched there address and it is a abandoned building. From what I search on XXXX.
General Revenue Corporation has been calling both my cell and work phone numbers repeatedly during working hours despite me telling them that I can not accept calls at or during work. Today they called a colleague with a different phone number than my own, one that has no ties at all to me, and told her to give me a message. This is harassment and totally inappropriate. I am sending them a registered letter so they have the request in writing, but based on the experiences of other consumers, I do not expect this to be honored. I will send a second if needed, but I am not hopeful.
Default judgement signed on XXXX/XXXX/2016. First payment to be made assuming in XX/XX/2016. Employer received wage with holding order sometime in XXXX ( did not come registererd mail for accurate date ). Order dated XXXX/XXXX/2016. Funds were collected from XX/XX/XXXX-XX/XX/2016 pay period. The information placed on my credit bureaus are inaccurate as well as different depending on which bureau. Contacted the attorney general of TX to discuss. They insisted local office would have information pertaining to resolutions of this matter. Local offices suggest the Texas AG main office and have not provided anything further than what I received from the main state office. This should not be in my bureau and accurate data and time of payments due should have been correct prior to reporting this to all bureaus. I never received notification until I pulled my bureaus this was being reported. I have attached bureaus, wage with holding order received by employer, email documentation asking for resolution and clarifications, etc.
Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.
I have mailed notarized FTC affidavit and a notarized FTC report to XXXX XXXX XXXX!! they keep reporting this fraudulent account to Equifax but have removed from experian and XXXX!! They keep sending 50 million questionnaires to me and wont STOP! They Wont stop reporting this fraudulent account! I will be taking this to small claims and suing for damages!! Do you honestly think Im gon na hand my personal information to you in this questionnaire?? NO! I have mailed certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018! XX/XX/2018 is waiting for them to pick up!
XX/XX/XXXX.

My wife applied for J.P.Morgan Chase Sapphire Preferred Card at the end of XX/XX/XXXX.

The decision to apply for this card is based on Chase 's promotions : 1. XXXX points after spending {$4000.00} at the first 3 months ; XXXX XXXX additional points for adding authorized user ; 3. {$0.00} intro annual fee, {$95.00} after 1st year ; However, when we received the card on XX/XX/XXXX, we saw there's this charge of {$95.00} annual fee dated XX/XX/XXXX already showed up in the account.

I called Chase 2 times and both 1 tier service agent and her supervisors refuse to honor the promotion shows in the screenshots attached.

XXXX
Equifax did not secure their data properly even though the technology to secure mentioned data is reasonably affordable and readily available. Now mentioned data has been breached by criminals. My personal information was part of mentioned data and is now in hands of criminals and will become public. I know this because I confirmed with Equifax today, X/X/17. I should also note that Equifax offered a service to protect against identity fraud, but in exchange they wanted to mitigate my ability to sue them for damages. Also, the service they offered was only free for one year- after which they would make a profit off of me by charging for me to extend the mentioned service.
A charge was made on my checking account for {$36.00} from a company called XXXX XXXX. This was not an authorized charge and I contacted Chase to dispute this charge. They decided for some reason that it wasnt fraud and are charging me even though I did not make this purchase. They told me there was nothing they could do and I am required to pay even though I did not make this charge and have never been to XXXX Michigan.
I went to my bank to refinance my car. When my credit was pulled I had a collection account on my credit. When they showed me the credit report it was from a company I was unaware of. When I contacted the collection agency they told me the bill was for an old XXXX bill and they was collecting for them. I also asked them how they reported this information to my credit report when I never received anything in the mail. They informed me of an address I never lived at. When my credit report clearly has my correct address. So they never gave me a chance to respond to the debt. I acknowledge I had an old XXXX bill but was unaware of the amount. I agreed to pay half because at this time I felt like a had no choice with it being on my credit report. They took the bill down to 50 % off and they told me I would receive an email of the debt being paid. They also told me they would dispute taken the collection off my credit report. However, since I have spoke with them a week ago. I have not receive any email of my payment and no removable off my credit report. I am not sure if this was a legitimate bill and just a scare tactics for me to pay the bill. I need help with this issue because I thought with the Fair Credit Reporting Act they have to try to contact me via mail before its put on my credit report. Also once I paid the bill I should have received an itemized bill. But when I spoke with them about this bill they did not care or about the laws. Please help me with this issue.
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Account Number : XXXX 30 days past due as of XX/XX/XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
First of all, Portfolio Recovery calls me repeatedly from different phone numbers. I block a number, and they call from a different one. Not only that, but they called me just a minute ago on XX/XX/XXXXXX/XX/XXXX!!! I've had enough already. I'm tired of them using MY cell phone minutes that I have paid for. This company is already in trouble for their collection practices. I'm wondering if I can join in that lawsuit. The debt I owe to the original credit card company was bought by Portfolio Recovery which means it was paid off. I don't feel it's my obligation to pay a debt that they chose to buy from another company for much less than they're trying to collect from me.
I first saw an address on my credit report that I did not recognize as well as XXXX XXXX ( whom I had no business with ). I contacted this property and was advised there was a broken lease ans an amount due. I advised them of not having and kmowledge of this and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had lived at XXXX XXXX XXXX XXXX XXXX XXXX for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX XXXX via email XX/XX/2016 to XXXX XXXX ad XXXX XXXX. I have also fled complaints with CFPB, FTC, etc and currenty have my attorneys involved. I have XXXX XXXX and this is upsetting me. I applied for another apartmentand was advised to contact XXXX XXXX where I advised that XXXX XXXX have a Civil Judgment against me on Experian, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and XXXX after the police report ( that names XXXX XXXX ) was provided. There were other addresses on mh credit report ( places in XXXX and other States ) that were removed by XXXX and XXXX.This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and tjey did n't have the correct email when I spoke them. So who did they serve? Who receivedthe info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft. XXXX and XXXX have already removed this
I have a citicard and was under the impression I set up autopay, but I did not, so I resulted in a late payment fee of {$25.00}. I have been with this company for 5 years between another credit card with Citi and have never been late. I immediately paid the 5 days past due amount and set up auto-pay, and asked if they could waive the {$25.00} as a one time courtesy ( the only late payment I have ever received ) and they said NO. I WOULD HIGHLY RECOMMEND NOT DOING BUSY WITH CITI. I have been in the credit card industry for over 15 years, and ALL credit card companies have a one time courtesy adjustment policy, except for Citi apparently.
TIAA-XXXX  has not responded to multiple requests for their trustee-to-trustee transfer form while charging excessive administrative fees. Please provide the appropriate paperwork and clear with my former employer that the account can be transferred and closed. XXXX attempted to request the assets be sent to them but advised that TIAAs form must be completed to accomplish the transfer.
The Bank has been  manipulating my deposits to generate additional fees. I thought this was illegal. I thought Dodd-Frank elim inated these practices.
A merchant service representative named XXXX XXXX, of XXXX XXXX XXXX came to my restaurant, XXXX XXXX XXXX XXXX, unsolicited and told me I was paying too much for credit card processing and offered to lower my payments. XXXX XXXX reviewed my current contract and the associated equipment leases and XXXX XXXX assured me that by switching companies to XXXX Payments I would save a lot of money. I would simply have to pay a cancellation fee of approximately {$500.00} to XXXX but he told me the savings would be well worth it. I went ahead and agreed to transfer over to a new processor ( XXXX XXXX Payments ). 

A few days later XXXX XXXX came back to my restaurant and presented me with new numbers for a different company that he also works with, XXXX XXXX, and XXXX XXXX said that XXXX was a " better, easier to deal with company '' than XXXX Payments. XXXX XXXX said he is no longer representing XXXX XXXX Payments due to " issues he has had with their management and shady business practices. '' XXXX XXXX said that since I had not installed the equipment nor signed a " Delivery and Acceptance '' form for XXXX Payments, he could proceed with getting me to sign up with XXXX instead and that he would take care of the details. I received the documents from XXXX in an email so at XXXX XXXX 's direction I signed them electronically. 

XXXX Payment, First Data, XXXX Pay and XXXX are now charging me. All XXXX are threatening legal action and claim that I have binding contracts with them. 


I have reviewed the signatures on the First Data and XXXX XXXX Payment contracts and they are not my signatures. I did not sign the documents and they are forged. 

I have tried to contact XXXX XXXX and he refuses to return my phone calls and will not undo what he did. I can not locate a physical address for him. 

XXXX XXXX signed the contracts as the Sales representative and he may be the XXXX that forged my name on the XXXX Payments and First Data agreements. 

Companies involved : XXXX XXXX XXXX XXXX XXXX XXXX Cell : XXXX Fax : XXXX XXXX Payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Data Merchant Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX faxXXXXXXXX XXXX XXXX Fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX I do not have any of the equipment left by XXXX XXXX. My attorney returned the equipment to its appropriate company, XXXX XXXX Payments and XXXX. 

My attorney, XXXX XXXX, has tried to resolve these issues with all the companies involved. XXXX XXXX will not respond to XXXX XXXX XXXX and the other companies will not agree that no contracts are binding on me based upon the fraud of their agent, XXXX XXXX. 

I request that XXXX Payments and First Data recognize that I never signed any contracts with them and to stop harassing me for payment. I request that XXXX and XXXX acknowledge that their agent committed fraud and agree that I am not bound by any agreements with them and for XXXX to stop trying to collect payments from me.
Hello for over 15 years EquifaxXXXX have been putting miscellaneous info on my report. Information is incorrect and I 'm being financially abused. I owe XXXX bank but other banks are on my report that I have never dealt with, I never lived in Florida which on my report states, inquiries, old reports, are making my score XXXX. Which is very low I ca n't get a apartment, home, nothing. I 'm ready to go to supreme court if this is n't corrected.
I purchased XXXX bundles of XXXX Curly hair as well as a XXXX Body Wave Lace Closure XXXX. XXXX # XXXX was placed on XXXX XXXX, 2015. My credit card has been charged in the amount of XXXX which is the cost for all XXXX items purchased. I received XXXX lovely bundles of XXXX Curly hair extensions on XXXX/XXXX/15 ; however, my XXXX Body Wave Lace Closure was not in the package. The cost of the XXXX Body Wave Lace Closure was XXXX. When I emailed the company to inquire about the missing item they advised me to reply to their email with the name used to place the order and a refund would be sent. I have yet to receive a refund and no one has emailed any updates in regard to this matter.
I received a letter from XXXX XXXX XXXX XXXX ( " XXXX  '' ) dated XX/XX/2018, which indicated that a debt owed to creditor XXXX  was owed in the amount of {$11000.00}. 

I do have student loans that are serviced by XXXX, but I am not in default of my payments to XXXX, have received no notices of missed or late payment from XXXX, and the amount ( s ) in the letter from XXXX are not related to my student loan amounts. 

XXXX offered a onetime payment of {$2200.00} to resolve the total amount allegedly owed of {$11000.00}. However, I do not owe the amount alleged in the letter, and this appears to be a fraudulent attempt to obtain a payment from me for a debt that is not in collection.