WillisBack/dataset-financial-user-claim huggingface dataset:
Sometime in XX/XX/2014 there was 2 accounts that was opened in my name. Did not know about this debt until recently. I called the debt collector and explain the situation and asked them to provide where I signed my name and copys of my drivers license proving the account was mine. I have also had someone stole my personal information in XX/XX/2014 at tax time. The company only sends me copys of the bill but nothing with the original contract when the accounts was opened. I want these two accounts removed off my credit reports.
I went to  XXXX  for  school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called  XXXX  stating i owed them payments never signed up with them apparently  XXXX  owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by  XXXX  they couldnt lower the payment since  XXXX   wont  agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a  MPN  for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through  XXXX  and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in  two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing
I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.
For the past year I have been getting calls as well as family members regarding a loan I never took out.i asked for proof and paperwork to be sent to me on several occasions and still nothing.they keep calling me and family members asked them to stop still continue.XXXX XXXX from greystone and associates leaves message as if he is law office but does not send info.need this to stop.the have nothing when u search them online but complaints of false claims
After reading the summary of the suit against Navient I just wanted to add my issue with releasing my parents as co-signers from my loans. As stated in the complaint the policy states that you must make a number of on time payments. I have been on autodraft for over a year ( an incentive to reduce my interest rate ) so I have met this requirement but when I called they told me I had to have made 1 year 's worth of on time PRINCIPLE payments and since I had been on the interest only repayment plan I did n't qualify. I could n't find this online anywhere but understood and accepted the explanation. I have since been trying to remember to pay a separate $ XXXX/mth to my loans in order to meet the requirement but I have missed this more than once in the last 4 months. I was planning on just calling again XX/XX/XXXX which is 1 year from when I 'd called and trying again. I do n't know if my situation is evidence of any wrongdoing but I wanted to share since it differed just a little from what the complaint summary outlined. 

Thank you for fighting for us. Graduating XX/XX/XXXX during the recession was not easy and while I 've worked hard to stay on top of everything it 's harder than ever for my generation to deal with these mountains of debt and still be expected to have lives to the standards of our parents or better. We were raised believing we could do anything or be anything and that hard work and education pays off, but the world is different and all our fundamental beliefs are wrong. My boyfriend is XXXX younger than me, did n't graduate from college and still was able to get a job and progress to buy a house at the age of XXXX. Now he 's XXXX with a home and an expensive car and no student loan debt and has made more than me since we met XX/XX/XXXX. I am XXXX with a degree and while I am able to manage my car loan and student loans I ca n't imagine being able to buy a house or even pay rent ( which is pretty cheap in XXXX compared to the country averages ) and we are n't married and neither of us has any children. I ca n't imagine being in my parent 's situation at this age, they had XXXX kids and a home and my dad has a degree but my mom does n't and how they managed just blows my mind and I 'm so grateful to them for being great examples. I am lucky that my student loan debt has at most been between $ XXXX-XXXX/mth and I am within 2 mths of paying off my Federal Sub loans but I will still be paying Navient for the next 10 years unless something magical happens. My situation is so much easier than most, but I also know how student loan debt can paralyze you and how 9 years after graduating it still is n't paying off for me. 

Thank you for all you 're doing.
This started XX/XX/XXXX whereas my cell phone started receiving repeated automated calls throughout the day with different recordings such as " please call Khols department store at .... '' The calls are coming from 3 to 4 different numbers ; XXXX, XXXX, XXXX. I have called the numbers back, but unable to reach a live person. They ask that I leave a message, but then the line disconnects. I did call the number left on some of the messages, XXXX, and advised them of receiving calls and that I do not have a Khols credit card, nor have I had one in the past. I asked that they remove my number from their system. All my accounts/credit cards are current and I also do not see any suspicious activity on my credit report. I was advised from this company that they too do not show me as having any account with them. I was unable to gain a name of their company and any affiliation with Khols department stores. I have blocked those numbers thru my cell phone company. However today I did receive another call from XXXX. Also important to note that my cell phone is used for business and has been listed on the nation do not call registry since XXXX. This is becoming an issue of harassment at the least. Please help!
Equifax or one of their 3rd party information suppliers have listed XXXX separate bankruptcies on my credit report when they are obviously the same bankruptcy. I have tried multiple times to get this error corrected, once with an internet submission and twice via phone calls to Equifax and once through CFPB. This is my second submission through CFPB. I have contacted the bankruptcy court and gotten copies of all public records, the court has, pertaining to my bankruptcy. My one and only bankruptcy was about 7 years ago. It was a Chapter XXXX and it was Discharged. During the years since there was a change in how the court districts where divided plus my original judge retired. This caused the court to do an " intra-district transfer. '' There was also a slight change in my case number indicating the new district code. The internal part of the case number did not change. I have attached, here, copies of the public records I got directly from the court. Sometime in the past several years some " lame '' 3rd party supplier of information looked at these records and put them in their database as XXXX separate bankruptcies. Equifax just keeps going back to this " inept '' supplier and getting the same bad information. Equifax lied to me saying " the court sends them the records and they are directly received from the court. '' Equifax has been sued and lost for the very same lies in the past. Public records are not sent out to reporting bureaus ever. Someone must actually go and access public records. I assume this service is supplied by third parties to Equifax. EQUIFAX PLEASE DO YOUR DUE DILIGENCE AND VERIFY MY INFORMATION BY DIFFERENT MEANS. GOING BACK TO THE SAME ERRONEOUS SOURCE OVER AND OVER JUST MAKES YOU NEGLIGENT. IF YOU, EQUIFAX , COME BACK TO ME AGAIN SAYING YOUR INFORMATION ON ME IS CORRECT THEN I DEMAND TO KNOW SPECIFICALLY WHERE YOU ARE GETTING THIS BAD INFORMATION. I WANT A COMPANY NAME AND ADDRESS, A DIRECT PHONE NUMBER AND A SPECIFIC PERSON TO CONTACT.
On XXXX XXXX I called Freedom Mortgage to find out how to get PMI removed from my loan and was advised ( and verified XXXX to pay XXXX and the monthly charges would be removed. Additionally there was a request to pay bi-monthly ( which would only be allowed once an additional monthly payment was paid - i.e. if monthly payment due is XXXX to pay an advance of XXXX and can then initiate bi-monthly debits ). 

After my payment for XXXX cleared and my PMI was not dropped, nor was the bi-monthly option available as per their website, I called Freedom Mortgage to find out why. Over the course of 3 phone calls, including one with a Supervisor by the name of XXXX, I was given 3 different reasons why PMI was not dropped. One of the more humorous ones was I needed to pay {$130000.00} in order to drop PMI. That 's the loan amount.
I have not used XXXX services for several months. I contacted XXXX via both online and by telephone and asked for cancellation of services and VISA card withdrawals. I was told the account was cancelled and there would be no further charges, but the charges go on as before. I reported my VISA card lost and got a new card, but VISA gave the new card number to XXXX and the charges continue.
I have all these hard credit inquiries on my credit report which I did not approve. How can I get these removed? they all happened on XXXX XXXX, 2014. please help me remove these from my report? 

XXXX XXXX
I was contacted from a debt collector ( XXXX XXXX XXXX ) back in XXXX of XXXX regarding a number of outstanding medical bills. I asked for verification of the charges with statements from the providers. One of them was sent and I paid via phone with a debit card to the collection agency. The other ( XXXX XXXX XXXX ) has not been able to produce a statement for verification of the charges. 

These charges are back from XX/XX/XXXX of XXXX and I do not recall ever seeing any requests for payment from them or the collections agency until I was contacted back in XXXX or XXXX. I requested statements and have yet to receive anything on this. This debt has been reported as delinquent on my credit report, but I have just recently become aware of this.
While on vacaton in XXXX in XX/XX/XXXX, my citi card account received several charges I did not initiate. Got an email while I was there asking if I recognized the charges, checked a box saying I did not and sent the email reply. When I got home, had a number of phone messages telling me to call fraud investigator at citi bank. I did and confirmed my earlier email reply that I did not recognize the charges. Was told to destroy that card, a new one would be sent to me.
When I got my statement covering period thru XX/XX/XXXX, there was an additional fraudulent charge. Called ( XX/XX/XXXX ) to inform them of this charge and was told they could n't verify who I was so could not help me. 
When I got the new card, called ( XX/XX/XXXX ) the number on the card to activate it. After a very long time trying to do so, was told again they could not verify who I was and would not activate it. 
Received a statement for the period ending XX/XX/XXXX for the new card ( the one I had not been able to activate ) with a charge on it. Decided to try emailing from their website to see if I could get resolution. Sent email XX/XX/XXXX. received polite but totally inadequate responses. 
Finally decided to fax a letter ( XX/XX/XXXX ) stating I refused to pay the charge on the new account and requesting the account be closed. Since then I have continued to receive a new statement each month with additional charges added. I also get several emails each month about the charges not being paid. I also get at least one call a day telling me to call another number for a recorded message telling me to pay my bill. This harassment has been continual since XX/XX/XXXX up to the present.
On XX/XX/XXXX, I was using XXXX  airport parking lot, when checking out, I slid my CITI XXXX Visa card. So the should only be one charge of XXXX {$5.00}, but my card got charged 4 times! 
I disputed through Citi card web site. But they ask me to send 4 letters to enclose receipts ( which there is no receipt ). detail explanation and send the letter back to them as well as my detailed exchange with the merchant. The process is so convoluted and I have to spend {$4.00} in total for postage to possibly get {$15.00} back. That is ridiculous.
Nothing that is the problem. Simple request ... ..PLEASE MAKE CAPITAL ONE STOP SENDING ME OFFERS OPT OUT MEANS OPT OUT
Gc Services Limited Partnership calls almost daily and leaves an automated message on my professional email address. They state they are a debt collection agnecy and would like me to reurn the call. I have not received a voice message on my phone. I have not received anything in writing. 

I refuse to call this company.
Capital One filed for a judgment against me in the XXXX VA General District Civil Court which is over XXXX miles away from where I live in XXXX ( XXXX County ) VA. Additionally, the debt was paid through my Chapter XXXX bankruptcy filing in XXXX 2014, and Capital One still has not sent a Notice of Satisfaction to the XXXX Court . This should have been sent within 14 days of notice of payment in full ( XXXX XXXX, 2014 ) as required by the Virginia Code of Civil Procedure, Section 116.850. This continues to appear as an unresolved debt on the Virginia Online Court Information System website and on my credit report, and is preventing me from obtaining a VA-backed home mortgage.
There is no such judgment of record # xxxx from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report. 
If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. XXXX Section 1031 of the Dodd-Frank Act XXXX There are XXXX judgements reporting that are not recorded judgements with the courthouse. This is ruining my credit. The courthouse also confirmed that they do n't report to the credit bureaus so there 's no way the bureau could verify with them PLUS it 's not even recorded so there 's nothing to verify.
I was contacted by the American Express representative, XXXX XXXX. When I returned his call in XXXX 2016, XXXX XXXX asked if I wanted to continue with American Express after the American Express XXXX program expired. I said I was not interested, but XXXX XXXX noted that one of the benefits of the American Express Business Gold card he offered was that it included primary insurance coverage for car rentals and that the first year of the card use would be free. I accepted the card based on these benefits. When the card arrived, the paperwork indicated that the car rental insurance coverage with this card was only secondary. I immediately called American Express to understand why there was a difference and if I could get the insurance coverage that was promised. American Express said they would resolve this issue within 6 to 8 weeks. After 2 months went by, I called American Express to find out if there was any resolution. At that time they offered to sell me primary car rental insurance for an additional fee. I told them that I was only interested in the original offer in which the primary car rental insurance was included at no additional cost. I was then transferred to an American Express supervisor named XXXX. The phone connection was bad and the supervisor said she would call me right back in hopes of getting a better connection. We confirmed the phone number for her to call be back at. Several hours went by and I did not receive a call back from American Express. 
I feel that XXXX XXXX falsely represented the card benefits in the initial sales call so that I would continue as an American Express customer. It appears that American Express has no interest in resolving this discrepancy. At this point, I feel that it is in my best interest to cancel this account to avoid paying a renewal fee for this card.
In XXXX, Wells Fargo foreclosed on my house at the above address. I have been trying to buy a house, but Wells Fargo is reporting negatively on my credit. I have called them multiple times, but no one will tell me why Wells Fargo thinks I owe them money. I should not owe on a deficiency because Wells Fargo failed to pursue that course of action within XXXX months of the foreclosure. I do not believe I owe them anything.
I am after whatever compensation I am entitled to ; I am a customer of Green Tree Mortgaging ; I am a victim of the XXXX they have been taken to task for
I opened an account with target, and that same day, I acquired merchandise worth of approximately {$300.00}. Then, weeks later I tried to pay my balance with my account number given because Target had failed to send me a tangible credit card, this was my only choice to pay dues. However, this when the problems arise. Suggested by a store rep, I waited until I receive the card 's statement ( still my card was n't sent yet ), and in it, it showed purchases and payments not incurred by me. I contacted Target to resolve the issue that I did n't create, but it failed to help or remove it. Target 's Negligence has affected my personal and business goals. I have attempted to obtain credit for XXXX XXXX, but due to that wrongful report, I have n't being able. my business has n't being able to grow, therefore, provide for my family.
I 'm unemployed and my debt is just piling up and piling up with no recourse. I have a low monthly payment but that keeps skyrocketing and because of this, my debt just keeps accumulating interest. I do n't know what to do or how to get out as they offer no solutions.
I had a medical bill that was owed from XXXX 2009 for {$540.00} to XXXX HospitalXXXX @ XXXX XXXX XXXX, XXXX XXXX TX XXXX ph # XXXX acct # XXXX. The collection agency Commonwealth Financial systems Inc ph # XXXX sent me collection letter on this. I pulled my credit to see that they had the same amt XXXX on my report. I called XXXX Hospital/ XXXX XXXX Services and the bill was due which i moved and did not get the bill. I settled the acct on XXXX for {$160.00} and paid it and told the rep that the XXXX acct they had was a dup acct and they were supposed to contact client on matter which has not been done. I called the client to find that they do not know who Commonwealth Financial systems Inc is. The client said they work with XXXX XXXX XXXX ( collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ph : XXXX and they also have the account and balance and they do not know who Commonwealth Financial systems Inc is. I called Commonwealth Financial systems Inc and spoke to the collection manager XXXX XXXX XXXX on XXXX and told her all of this and she stated that they will not call the client and that I needed to resolve this even if they have the wrong details and will not contact the client to resolve. Therefore I consider this FRAUD and they have been paid nd I have a letter from them showing it was settled for {$160.00}. I need your help in resolving this matter due to they are reporting on my credit.
Fifth Third Bank does not have an effective compliance management system. In it's Supervision and Examination Manual, the CFPB expressly defines an institutions consumer complaint resolution process as a principal component necessary in establishing an effective compliance management system. Fifth Third Bank specifically does not have a clear and transparent publication of its consumer complaint management program to the public through its public website : 53.com. A search for " complaint '' in it's search box on the website does not yield any form of online ability to submit a complaint or how complaints work at 53.com. A search of the site map for the website also yields no clear and transparent publication of a consumer complaint program. Financial institutions should all have publicly available online forms to submit complaints which 53.com does not even address.
I had a account with USAA that i filed chapter XXXX on and it is still active. My wife 's credit report is showing 90 days late on this account, she was an authorized user only.
i was told in 2011 by a XXXX Rep that i was not under a Contract with them anymore, so she set up to send me Boxes to put Their Equipment in & they set up a XXXX Installer to come by my Home & pick the Equipment up, he did & put it into their System to prove it. Now here 's where it takes a Twist, XXXX waited 4 years to send me a Bill stating I owed them an Early Cancellation Fee & 2 Months of Service, so while i was on XXXX during this time, I was being Charged for XXXX that i was Told i was Paid up in Full on my Account & i was n't under a Contract. This is Unreal! I called the ERC ( Enhanced Recovery Company , LLC ) & argued this Fact that i was Told totally Different Information then they were Stating, she then said that it Did n't Matter ' I HAD TO PAY or it would Stay Pending on my Credit Report, so I payed the Bill or actually a Settlement of {$270.00} & she said she was going to Contact The Credit Bureau or whomever to have it Deleted from my Credit Report, she said call back in! 0 days. It better be gone quick because that knocked a Hole in my Credit & i was n't even aware of any of this till 4 days ago when i went to my Mailbox & opened this Statement ( Which i will say i do not owe until I 'm pushing up Dirt ), My point being is, How can a Rep tell me I 'm all Good, Send me Boxes for Equipment to be Picked up & then 4 years Later they say i was n't out of the Contract & i was Charged an Early Cancellation Fee ( But They sent me Boxes in 2011 to Pick up Equipment & i did n't owe them XXXX XXXX ) but i was charged for 2 months of Service when the Equipment was in their Warehouse & the XXXX for XXXX was Removed from my House & i was Watching XXXX XXXX, they are Liars, plain & simple. I did n't know what to do so I just Payed the Thief 's!!!!! I have the Confirmation #, showing i Settled with them, but it 's STILL HANGING UP on my Credit & XXXX XXXX are rough, XXXX are really nice, this is just making me look Stupid. If it is n't DELETED as promised from my Credit I might Snap!
I received a letter from Citizens Bank stating that there was an error in a closed account of mine, and that pursuant to a Consent Order from 2015 entered into with your agency that they were sending me a check for {$4.00} with no explanation or documentation to evidence how this amount was arrived at. I believe that the check amount is incorrect and have requested that they provide me with complete documentation.
Wells Fargo Bank ( WFB ) placed a hold on a {$2000.00} payment I made to my WFB HELOC on XXXX XXXX, 2015. WFB removed the hold. Then, on XXXX XXXX, 2015, WFB placed a NEW hold on this payment. I have complained in person and on the phone EVERY day to no avail. The payment is XXXX of XXXX payments I made from my XXXX account through XXXX Bill Pay between XXXX and XXXX 2015. I have never been late or in default on this loan in ANY way. I have NO mortgage or liens of ANY kind on my house other than this HELOC, which represents LESS than 10 % of its current value. I am afraid to make any more payments, but if I do n't, WFB will foreclose. Please help.