WillisBack/dataset-financial-user-claim huggingface dataset:
Receivables Performance Management is calling several times a day starting at XXXX harassing me about a debt that I do not owe. I 've told them it 's not my debt. yet they keep calling every day. Do they think I 'm going to pay so they quit bothering me??
I have never received a credit report from NOBODY BUT EXPERIAN SAID I ALREADY GOT ONE
In XXXX, XXXX XXXX which was the loan holder at the time now taken over by Navient, when the original loan was issued in XXXX my ex-husband XXXX XXXX, XXXX & his wife, XXXX XXXX forged my name & signature on the Parent Plus Loan online electronically using my name XXXX XXXX XXXX & Social Security Number from their home computer used all my personal info so they could obtain the loan & unknowing to me. This loan also did not need a co-signer since it was a Parent Plus XXXX which did not need a co-signer. So 8-1/2 yrs. went by & they were paying the loan, when suddenly they stopped due to financial reasons & stuck me with the loan. I tried every local resource the Dist. Atty., the local police, gathered all the information I could submitted it to XXXX XXXX ( at that time ) they claim there was nothing they could do even though it was identity theft. Long story short, I feel that due to the identity theft & fraud using my naming I should not be responsible. I addressed this w-my son & they brainwashed him & he told me my dad, XXXX XXXX, XXXX & his wife, XXXX are paying XXXX of his loans & basically he would not pay this loan at all and is now estranged from me over it. Pls. I need some help on this as I can not afford it to continue to pay it.
In XXXX XXXX, I opened a Best Buy credit card to purchase a TV, interest free if paid within 5 years. In XXXX XXXX, I fell behind on payments. I rec 'd a call from a Best Buy rep who stated that I was only a few payments behind and that if I paid the past due debt I would be all caught up. The rep also stated that I can continue my monthly payments, interest free, and be restored back to normal status. With that in mind, I set up auto-pay to my checking and continued to pay for the next year, receiving my monthly e-bill from BestBuy and receipt that the month was paid. Then, in XXXX XXXX, I received a bill that had a late payment on it. I called best BestBuy and stated that I had Auto-payment and sufficient money in my account to cover the monthly debit. They stated that the account was sold to Citigroup and to call them. I called Citigroup and asked for the late payment to be removed and informed them that I had made an agreement with BestBuy to pay late payment the year prior, and subscribed to auto-pay. Citigroup informed that they were unable to remove the late payment charge and that only Best Buy could. I then called BestBuy and they again directed me to Citigroup. I continued to receive emails from, and labeled, BestBuy for my monthly payments. However, when I clicked on the " paybill '' link ( every month ), it continually led me to an " error, please check back later '' page. Now, 6 months later, the account went into default and Citigroup added on the total interest charges for a bill of over {$2000.00} ( which just prior was {$700.00} remaining on payments, absent the " late '' charges ). I believe that BestBuy is obligated to honor our agreement that I be able to continue my interest free monthly payments in accordance with our original contract. I also believe that the late payments, interest charges, and charge-off that now reflect on my credit reports should be removed, and that Citigroup and BestBuy should be fined for violated consumer credit protection laws.
Submitted a dispute to equifax confirmation # XXXX regarding the removal of two inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the Equifax failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.
Wells Fargo Mortgage has yet to address the issue that has been Requested. 

Documents not sign by me. 

Its always the run around and nothing to do with the issue that occurred. 

Wells Fargo Mortgage does not deal with the direct issue or have any answer that has any merit to the question/ issue of documents that are not my signature nor did I appear on the document in front of the notary and that is the issue to the Instrument/Deed of Trust I did not personally appeared on XXXX XXXX, 2009 nor did I sign nor was I ever contacted to any corrections agreement nor Limited Power of Attorney There is never no answer to this direct question or why it happen or why Wells Fargo Mortgage ha yet to explain the issue at hand. 

Legally binding contract Personally does not mean some one else signing saying your there and there is no other term to appeared means face to face. 

This is fraud on wells Fargo Mortgage
We made a purchase at Best Buy 3 years back for {$6200.00} and it was advertised as " 0 '' interest for 3 years. They did not explain at the time of purchase the difference between " deferred interest '' and " 0 interest ''. I set up a monthly payment of $ XXXXmonth for the past 3 years and the promotion ended on XX/XX/. I did not realize that I had a balance of {$1100.00} at that time and they now charged me an interest asking to pay {$7100.00} instead of my balance of {$1100.00}. I was not familiar with how this process works and feel it is a rip-off from Best Buy/Citi credit cards.
I have received numerous calls from a company called Dynamic Recovery Solutions. Their phone # 's are : XXXX, XXXX,XXXX,XXXX. They say I owe a debt and they want to talk to me. I have NO debt. I believe they are calling on something from a XX/XX/XXXX/XXXX chapter XXXX bankruptcy. I have no idea why now they are calling me now. Everything went through the US Bankruptcy Court as a chapter XXXX, paid to a trustee over a 3 year period. We received a discharge from the court XX/XX/XXXX. I am thinking the debts were sold to a collection company to try to collect them. I really need them to STOP calling me.
My chapter XXXX bankruptcy has been closed and transunion is still showing as filling status. The Reference # XXXX. I tried contacting and disputing it with transunion and i was unable to fix the problem.
Equifax had a derogatory remark on my report from XXXX XXXX XXXX XXXX. This account should have been closed. XXXX  covered 80 % of the bill and I covered the other 20 % ... Just two nights ago I got a call saying I still owed the money and I told them I did not and that I would send them the receipt stating the money was paid. Before I could get the receipt in the mail and send it to them it was reported on my credit report again after months of fighting it and disputing it. This is the second time it has been reported. It was removed and it is now on there again. They sent it to another collection agency and Equifax had no right to put it back on my report. How do I stop them from harassing me? I also thought it was against the law if it is n't a contracted loan on my credit report. I need to know how to stop these people and get them to not put it on the credit report again. Why does Equifax give these people the right to do this to the consumers? And they 're harassing me, calling me late at night and being rude on the phone. Please help me stop these people from doing this to me. This should of been taking care by them, for i had XXXX XXXX insurance by them to pay the bill, and they should have responded to the insurance company. My health is affected by them, I want to sue them and how do I do this. These people need to leave me alone forever and stay away from my credit report. I need to do something about this immediately. Please again, help me.
Sincerely, XXXX XXXX XXXX
There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor XXXX XXXX XXXX XXXX has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.
I have saved voicemails from someone calling from an unknown number saying that they are from the county process service department and have a failed attempted to serve me at the location on file, this matter requires my immediate attention and I need to contact the issuing office at XXXX and reference the case number provided. The call ended with " you are in jeopardy of missing your court date, consider yourself notified! ". The XXXX voicemail said they have a XXXX failed attempt to serve me and my sister and we are in jeopardy of missing the court date as well as in jeopardy of getting a failure to serve. I have no idea why this `` county process service department '' is looking for a matter that would involve both me and my sister. 
I called the phone number XXXX and have was hung up on XXXX times and told I was playing games and disgruntled ( because I told them that if they werent recording the call i was going to ), before getting information from someone on the XXXX call, which I recorded. When answering they stated different names for their " firm '' ; XXXX and Legal office of XXXX XXXX. The account they referenced is was one that I have been disputing for years because it was fraud ; I did not open the account, someone else did. It is currently in dispute status and past the statute of limitations in my state. 
The `` county process service department '' also called multiple family members who have texted and called me worried about me because it sounded like I am facing a serious legal issue. 
I spoke with XXXX attorneys that stated this business is not legitimate, it is a scam. Neither of the lawyers could find information on this " law firm/business '' I searched for hours attempting to find information on their company and all I could find was information on a company in XXXX.
I have leased a XXXX XXXX XXXX from Toyota Financial Services ( TFS ) on XXXX/XXXX/XXXX. Since this was an electric vehicle, Toyota was offering a special promotion for unlimited mileage XXXX My lease contract clearly states that there is no mileage limit and no charge exists for additional miles. However, upon turning the car in at the end of the lease ( on XXXX/XXXX/XXXX ), TFS has sent me a bill for {$2000.00} for excess mileage. I have been trying to work this out with Toyota since XXXX, but just get transferred around different departments and nobody has the authority to make a decision in my case. I was advised by the representatives to seek outside help. At this point, my account is in charge-offs, and this would soon negatively impact my credit report.
I have disputed this account with all # credit Bureaus more than once stating that this company is reporting inaccurate information and they still fail to investigate correctly. My response stated that the accounts have been verified as accurate which is incorrect. I also provided supporting information providing proof. XXXX closed my account on XXXX XXXX and did not give me the right to cure my default with them even though they mailed a letter out stating that i had until XXXX XXXX! Is this the type of practice that you guys allow but expect for customers to hold up their contract if they are not holding up to my rights?
Today @ XXXX, I called Mr. Cooper . I spoke with XXXX and I requested to make payment of {$400.00} today. I told her I would call in to make additional payments. She placed me on hold stating that she had to speak with her supervisor. 
After holding, XXXX ( Mr. Cooper ) came on the phone. He stated that payments could not accepted as I would need to set up 5 payments now. I told him that I could not do that today and that I can set up 2 payments for today. He stated that 5 payments would have to be made by Monday XX/XX/XXXX. I told him I could not do that. He asked, Maam do you want your house to go into foreclosure ...? I asked him if he was trying to instill fear in me by threatening me with foreclosure. XXXX stated that a demand letter was sent on XX/XX/XXXX. I informed him I did not receive a demand letter. XXXX stated that a total of {$3400.00} would have to be made by XX/XX/XXXX and he will not accept any payment. I asked him to identify himself. He stated that he is the Foreclosure Loss Litigation Specialist. XXXX mentioned a demand letter was sent on XX/XX/XXXX, I informed him that I did not receive a demand letter on both dates he mentioned.
Transunion and XXXX are reporting an account that obsolete. The account has been on my credit report since XX/XX/2005. It is reporting closed but yet there is incorrect payment history as well as the account is obsolete. I have reached out to XXXX XXXX and informed by a customer care rep to dispute with the two bureaus but yet the account has not been deleted. The XXXX XXXX account number is XXXX.
On XXXX/17, I made a payment of {$760.00} for my credit card on the XXXX website. The funds were quickly removed from my checking account at XXXX the very next day XX/XX/2017. The problem is the {$760.00} never posted to the XXXX account and they never got paid. This has been an ongoing issue for two months and neither XXXX, XXXX, of FIS ( the payment vendor ) seems to know what to do. I am consistently told that FIS will contact me but they never do. I only want the {$760.00} to be paid and post to the XXXX account. That is it. For some reason, this is an issue for all parties involved and this has gone on way to long. What happened to my money? Is it just sitting in a FIS suspense account somewhere? Thank you.
On my credit report I am getting penalized for deliquent credit card accounts. These two accounts were my ex-wife 's, which she had prior to our relationship. She made me an authorized user on both of the accounts during the relationship. Now, being divorced for almost 2 years, my credit report still shows association with her credit cards. The credit card companies can not access these accounts without her authorization or passwords, which I have zero access to which leaves me with my hands tied behind my back and at fault for her debt. I am unsure of the exact amount she owes or how long these accounts have been deliquent. I don't even know her account number or credit card numbers.
They continue to send me bills in regards to this debt in addition they are reporting this debt incorrectly. This debt was discharged in bankruptcy and is still being reported as open. I have called them and sent a letter to no avail. I want the harassment to stop as well as my credit reported corrected.
Experian continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Experian 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section 1681c does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. XXXX  has abided by the guidelines set forth by the FCRA and removed the bankruptcy, yet Experian continues with the erroneous misinterpretation of said guidelines.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Experian must delete this information from my credit report and send me an updated copy when this action is completed.
American Express increased my rate on my card ( a/c XXXX ) from the regular rate of 10.99 % to the default rate of 29.99 % due to a one-time, 2-day late payment. My understanding of the Credit Card Act 2009 ( Sec 171 ) is that default interest is supposed to only be charged after the payment is 60 days late. I believe that they are not acting within the Federal Laws applicable to the account.
Nationwide Recovery Systems Has been reporting to the XXXX, that I owe a debt. 
I have disputed this account several times. Yet this company insists that this account belongs to me. 
This is inaccurate and has not been proven.

1.I NEVER received a letter of Debt.

2. I am unaware of this debt.

3. 
On XX/XX/2018, a certified letter was mailed to this company to verify this debt. 
I asked for reason for debt, signed contract, and calculations of amount owed. 
It has been 30 days, and I have not received a response. 
This letter was mailed to address reported on my credit file. 
This is wrongful reporting and against the law.
I HAVE SENT DISPUTE LETTERS STARTING FROM XX/XX/XXXX AND THESE ACCOUNTS HAVE NOT PROVEN ANY DEBTS THATS ARE OWED.
In XXXX, I was told to contact XXXX banks to see if I could get financing because they did not want to refinance my loans. If I could not find a bank to refinance my loans then they would see what they could do. In the meantime I had to pay whatever monthly interest they assessed. Who would do this? I did find a bank that took on all of my loans except one. I recently applied for a job that required a credit check. The mortgage loan was purchased and paid in full in XXXX. However, it appears that the bank that received payment and have a XXXX balance is now stating that this mortgage is still in foreclosure which is incorrect. The loan did get paid and the bank have a XXXX balance where payment was received but it is listed as a foreclosure when it is not. I would like for this to be taken off of my credit report. I was told that it was the fault my current lender. How could that be when the balance was given what was owed and they received payment? I reviewed that status on the credit report and it will remain on my report until XXXX? How could that be when the mortgage account was paid in full and the current bank is holding the mortgage? Please help and explain to me how this can be removed off of my credit report when the bank in question received full payment. Thank you
I requested that Apex Asset management LLC provide me with proof that I requested service from XXXX XXXX the debtor they are collecting for. XX/XX/2016 I requested " A signature '' " A contract '' something so I may see my handwriting or proof of some sort that this belongs to me. The first reply I got from them was nothing more than a print out with my name, the amount owed and pretty much the info that 's on my credit report. I replied XX/XX/2016 that this is insufficient, I need a signature or something proving this is mine. 
The next reply I get from them is a list of programming from start to finish which once again does not prove to me that I ordered this service only that it 's been ordered and my name is attached to it. 
This is going over 60 days, 2 letters and 2 replied in which I requested validation and still I have none. I have requested they remove this debt from my credit reports if they can not comply with my request, it still remains on my credit reports and I still have no valid proof that I ordered this service.
I got a bill from XXXX XXXX XXXX stating that I owe a {$56.00} for a visit that I took my daughter to. My husband is in the military so we have tricare and I have been to this hospital several times before but never had any issues now all of a sudden this is showing on my credit report as a collection. I am not even the policy holder my husband is. I tried to talked to XXXX XXXX XXXX about this and they told me that they ca n't do anything until they talked with the insurance company but is n't that what they are suppose to do before they put this on my credit report.
Experian is illegally reporting a medical collection account for XXXX XXXX that was never validated per Fair Debt Collections Practices Act. I was never contacted and I have asked for a complete accounting of the debt but they have failed to respond. Experian should have some checks and balances to ensure that a creditor has in fact obeyed the law before allowing them to report a negative mark.
I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by XXXX XXXX and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. Example of discrepancies. On one set of customer account activity statements received XX/XX/XXXX, there are 11 transactions for the month of XXXX beginning XXXX. On the other set of customer account activity statements received XX/XX/XXXX, there are 10 transactions for the month of XXXX beginning XXXX. There are also fees that are not consistent on each set of statements as well. I have also highlighted the discrepancies on the customer account activity statements. The discrepancies are as follows : Documented on XX/XX/XXXX customer account activity statements. 
Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX Repay of Escrow Advance {$470.00} XX/XX/XXXX Escrow Advance {$590.00} XX/XX/XXXX Repay of Escrow Advance {$77.00} Documented on XX/XX/XXXX customer account activity statements. 
Not documented on XX/XX/XXXX customer account activity statements XX/XX/XXXX fees Assessed or Recovered Fee {$82.00} XX/XX/XXXX fees Assessed or Recovered Fee {$25.00} I would like to take legal action on this matter. 
XXXX XXXX
I owe my  XXXX  credit card from capital one {$300.00} and for a month they have been calling m e 5-7 tim es a day. I have asked them several times to stop calling me I will pay it when I can and not ev en ten minutes  later I will receive another call from the company.
The person who initially made the transaction entered the information wrong in the system. Their paperwork does not have a way to verify as to where the names have been placed. They placed the receiving person 's middle name as their last name. So when they went to pick up the money it was not being release to them. When I went in to correct the problem the following day it was corrected very promptly. There are no complaints there other than the fact I had to take time off work that I should have had to take. 
The lady who fixed the problem said it would be fixed within 1-1.5 hours which it was. Although she said sometimes the PIN changes and said she would call me to let me know when the transaction was complete and the receiver was able to pick up the money. She said IF the PIN changed she would let me know of this change at that time. I NEVER received a call letting me know the transaction was complete much less giving me a new PIN. I found out because the receiver had to contact me yet again. The receipt given at the Dollar Express does not have the phone number of the actual location so that we can call directly only an XXXX number to customer service whom barley speak/understand English. Which took more time out of my workday. This is not the first time they have entered the person 's names wrong. When dealing with money that should be one of their top priorities.
I sent a letter to Transunion to delete unauthorized Credit Inquiries and they sent a letter back for me to reach out to call companies and have them remove them. I called companies and they stated they can not remove them.
I applied for Capital One Venture Rewards card. My Credit score is excellent in the range of XXXX but still I am being denied this credit card. I do n't know why? Applying for a credit card impacts the credit score and I have no idea why this credit card pops up in XXXX XXXX or other places stating that I have Very good odds to be approved.