WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX. I am a college graduate of XXXX University XXXX of 2012. At the time of graduation I like many other students was not able to secure a good job. Over the last three years I have moved from being unemployed to underemployed and back again. I graduated with roughly {$100000.00} in student loan debt from various sources. For the federal and private bank loans I have been given forbearance and deferment. However for my loan through the XXXX ( {$39000.00} ) I was not granted the standard grace period of 6 months to 1 year. My loan with XXXX has since gone into default. The loan has now been handed over to the Law office of XXXX XXXX in XXXX, NJ. XXXX states that there is no loan rehabilitation with them and they wo n't help.I have emailed XXXX XXXX XXXX who is in charge of the NJ Class student loans and petitioned her to see if I could make a more reasonable payment. After speaking with the law office and making a good faith effort to start paying off my loan they did not give me a reasonable amount to pay. They were asking for nearly {$800.00} a month for 10 years which I could not possibly afford with bills and other student loans that I will have to pay. I now have a good job and would be able to pay them $ XXXX/month however they were not willing to listen. My sister was a cosigner on the loan and has also fallen on difficult times recently and they are garnishing her check. I am asking for any assistance you could provide me with. I worked very hard to graduate from a great university and financial hardships after graduation impeded me repaying my loan but I am willing to get back on track with a reasonable repayment plan. The law office now is not being responsive to my call or the calls of my sister, I believe that since they are garnishing my sisters check they do not want to speak. Please help in any way that you can.
Pressler and Pressler, a debt collection lawyer, is trying to garnish my wages for a debt I do not have, or know anything about, from XXXX XXXX XXXX. XXXXand XXXX says it represents XXXX XXXX XXXX. as well in this matter. I have not had a loan, nor a credit card from anyone in over 20 years, let alone XXXX XXXX. They don't state what type of debt it is, nor do they state the amount, nor any dates regarding this " loan '' .This sounds like a scam on their part.
My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.
In XX/XX/2016, XXXX facilitated issuing a fraudulent credit card in my name, and billed the card with an XXXX XXXX XXXX. They told me somebody had made a purchase, and had the item ( a television I Believe ) shipped to an address that was not mine. I only discovered this fact months later, and immediately contacted XXXX and chase when I figured out what had happened. 

After spending HOURS on the phone with both XXXX, and chase - i was assured the matter was clearly identified as fraudulent, and would be corrected. It was not - the credit card company added late charges, which I refused to pay - then eventually charged off an amount of XXXX. 

This single fraudulent charge off affected the loan rate of my truck, adding almost 2 % to the rate.
I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. I live in XXXX they are in XXXX they pulled my credit on XXXX day then XXXX time on another day. They sent me back a typed letter just showing my name and info. Nowhere did it show the application and agreement terms explaining where I gave the okay to pull my credit XXXX times. I sent another certified letter explaining this and gave over XXXX days and have heard nothing. I now would like to take action against them. I have attached all corresponding letters with the dispute.
I have been a victim of identity theft 2 years ago. I am disputing this account with XXXX XXXX  this should have never been reported to my credit reports. XXXX XXXX/ XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXX / XXXX XXXX was paid with creditor XXXX XXXX on XX/XX/2018 Please update and remove. Experian and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX
I sent a dispute request to Transunion over 30 days ago and instead of receiving investigation results, I received simply just a credit report with a report number ( Report # XXXX ) as a stall tactic from Transunion. 
According to the Fair Credit Reporting Act that is a direct violation of my rights as a consumer and I want the negative items on my report investigated and removed from my Transunion report immediately.
this account was included in a BK chapter XXXX. and account was repossessed XX/XX/XXXX BK was XX/XX/XXXX and discharged XX/XX/XXXX
O n  XX/XX/XXXX  I recei ved a summons for a civil suit from Midland Funding in the amount of {$5700.00}. I dispute the legitimacy of this claim and I feel that I am the victim of retribution, as I just won a case against Midland on   XXXX  . I have been tied up in court proceedings with Midland Credit Management since I received their FIRST letter that i was being sued civilly on   XXXX   XXXX   XXXX   XXXX  . For over 3 months Midland had encroached upon my time, resources and sense of well-being, as well as been harassing me through endless phone calls for someone that is not even me!
Foreclosed on by boa after loan modification was given which raised our payment $ XXXX. We properly filed paperwork which detailed multiple medical issues with my wife who had 2 different XXXX & treatments over a 17 year period. I have documented proof of securitization9bana, cig, hfi,1ST LIENS , GOV REW ) & multiple sales afterward. We tried for many years to talk to boa but were consistently told different answers, transferred to other depts., disconnected, told boa did not receive docs, etc., etc., I eventually hirde an attorney who was also given similar treatment ( XXXX ) until we ran out of time & money, just like millions of other American families! so sad!!! It all started with our original mortgage with countrywide, which began this fraudulent nightmare. I have a lot of documentation to support this illegal foreclosure & hope you have the integrity & honesty to assist this American consumer who could have easily been you or someone in your family! 
.
CRA violation no knowledge of the fraudulent XXXX XXXX appeared on my Experian credit report. FTC ID Theft Report # XXXX
I went to a local Chase Bank, in XXXX to find out what I needed to do to surrender my XXXX property back to them. I had tried to sell the property when I got new orders to my next assignment in XXXX. Unfortunately, the housing market was extremely poor for sellers. Thankfully, I have had tenants. But, now 3 years ago, my mom 's health was steadily declining, so I retired back to XXXX to see after her. She passed away this past XXXX XXXX. My retirement pay had to supplement the XXXX mortgage, etc as well as take care of me here in XXXX. I tried to keep up, but the stress was mounting so I decided to give the XXXX property back to Chase. The bank got me a copy of the letter to surrender instructions. I followed it. I contacted my tenants, through my property manager XXXX XXXX XXXX, to vacate the property as of XXXX XXXX XXXX so that Chase would receive the property as of XXXX XXXX XXXX. I made it clear that I did not want any monies from Chase, even though the property was worth more than I owed. Chase has yet to receive the property. They are continuing to try to keep me connected with the property, overlooking their error. I am stressed and tired and disgusted. Please help Chase to honor what was originally sent me. I complied. I released my tenants. There is no rent. Up to the XX/XX/XXXX, I had the monies to pay the mortgage. As of XXXX XXXX, no rent to pay for a property, I in good faith, turned over to Chase bank. The original instructions gave no hint that anything else was required. Please help. My retirement pay is just barely enough to take care of me in XXXX. Please do n't let them harass or bully me. Thank you for any help and guidance you can provide.
Dates on credit report are wrong. They do not provide a delinquency date which has re-aged the account. 
" Section 623 ( a ) ( 5 ) requires a creditor that reports a chargeoff to a CRA to notify the agency ( within 90 days of reporting the account ) of " the month and year of the commencement of the delinquency that immediately preceded '' the chargeoff. Section 605 ( a ) ( 4 ) provides that the credit bureau may report the chargeoff for seven years. Section 605 ( c ) ( 1 ) provides that seven year period begins 180 days from that date. '' There is no report last delinquency date. 
They have also changed the date of when the account was opened. I do not have an account with XXXX XXXX and I did not open an account with them in 2014. 

They are in violation, creditors and debt collectors are responsible for reporting information to the bureaus that will them update the XXXX.
XXXX  XXXX XXXX, ACCOUNT XXXX RECENTLY APPEARED ON MY EXPERIAN AND XXXX  CREDIT REPORTS. 
I disputed the account with Experian as not mine and it was " verified '' within 2 days. 
During this time, the account appeared on XXXX as well.The account is not mine. 
It says the original creditor is XXXX-XXXX XXXX.This is not my account.I did not live at the address they say when I was delinquent.It is either an error or belongs to someone else whether or not someone used my ID, I HAVE NO IDEA!
This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.
Someone $ XXXX from my Regions checking account in purchases I did not make. To start, it 's very hard to get in contact with anyone on the phone. I called Saturday night, XXXX XXXX once I checked my account. After several tries and automated messages, the Associate told me all she could do was " cancel my card, b/c the charges were still pending. '' I waited until TUESDAY to call again and try to file the claim, but that associate told me that " it would be 10 days before I receive papers. '' Therefore, I went into the branch, assuming that it would be a faster process. XXXX XXXX XXXX XXXX took my claim. After waiting 10 days, with the implication that I would receive back my stolen funds, I call Regions early in the morning on XXXX just to find out that my claim was DENIED on XXXX/XXXX/16 b/c my pin was used on ONE of the purchases. The first issue is that the claim was denied a DAY after I submitted the claim but I waited 10 days to find out. The second, is that there could not have been a true investigation done in less than 24 hours. Furthermore, I assume somewhere in the process of filing the claim, a wrong charge was selected ( b/c I did use my card a couple times before checking my account to see someone else was doing the same! ) I just found out today XXXX that the file was denied and they are just now telling me to file a police report, which has been done. There are several issues wrong with this fraud dispute and leaving all of my personal cash with Regions, aside from the fact that I 'm behind on bills that need to be paid, why is the banks ' policy to let the money be stolen before doing anything? If you see it pending and I 'm calling you to report fraud ... .WHY LET IT GO THROUGH? Also, the amount of loop holes I had to go through just to get the process completed. I had to make several phone calls and a trip to the branch, just b/c I was not informed of certain things each time I talked to someone. Then, the lack of caring and understand from the associates as I am going through this process. I do n't understand how a bank does not send a warning or no one called me to tell me that huge purchases were repeatedly being made on my account.
Kay Jewlers are reporting information in my name to the credit reporting agency XXXX without ever sending me any type of communication that a debt was to be paid or owed to them i was a victim of fraud never even knew this account existed intill seeing it reported to my credit report when i reached out to the collection company they told me the company was out of business and that they didnt have any information for me or about any money that was owed. I asked them to remove the information on several occaisions or provide me some type of proof that the information indeed belong to me. there is no dates opened or how the account was created reporting to my file.violating my rights that protect me as a consumer.
Settled Student loan in XX/XX/XXXX-XX/XX/XXXX. Recently received notice that ACT was going to garnish my wages which started on XX/XX/XXXX. 
Called ACT to explain that the debt was paid. They said they have notes in their system about a settlement but do n't show proof. Tried to file a hearing to review but they said I need proof of settlement. I kept proof of settlement for 10 years at which time I moved and discarded many old documents that I thought I no longer needed so I do n't have the proof I need to get a hearing. 
This dept. came off my credit report in XX/XX/XXXX or XX/XX/XXXX and I have excellent credit and have n't had this issue cause me any problems since the time I settled the debt. 
I believe that a collection agency has " resurrected '' an old debt. that was, long ago ( 20years ) paid. 
I have read stories of other student loan borrowers who have had this same thing happen and I am not sure how to make this go away since I can no longer produce my copy of the paid debt.
I disputed an acct that is illegally being reported to my collections causing negative effect on my credit. Equifax removed the acct then added it back to my credit report. This company REFUSED to take payments and can not confirm the validity of the amounts owed. XXXX has received credits and can not actively collect these ALLEGED amounts.. allegey this acct was written off XX/XX/18 they hung up on EVERY attempt made to rectify and is in violation of the debt collection act yet Equifax removed the acct then added it which is in violation as well. I went diversified consultants removed from my credit IMMEDIATELY AND PERMANENTLY
Received call on XX/XX/2017 XXXX HRS from XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and 401k / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.
I notified all 3 credit bureaus that they were reporting erroneous information on my credit reports and that I had notified the companies that there were unauthorized accounts listed in my reports.
Over XXXX phone calls in last appox 120 days. I advised them when returning phone calls of bankruptcy ( XXXX 2014 ) discharge. Supervisor said i was crazy and I initiated all phone calls.I have ignored the calls, but i am getting calls now early a.m on weekends. They also read me my attorney 's name address and number without my providing it, so they know of my discharge info without me giving them details. Portfolio Recovery
I requested the name of my original investor, a copy of the wet note, and the legal status of my account in XXXX of 2015. I never received this. In XXXX, the " servicer '' filed a claim against my home in a bankruptcy proceeding although I 'd never missed a payment. I filed the BK XXXX for other reasons. The " servicer '' has still not complied with my request, so how can they legally file a claim when they cant even show proper chain of title, or refuse to do so? Second issue is that they raised my Escrow, alleging an Escrow shortage. By their own admission, there IS no shortage, but for some reason, the Escrow Department has n't relayed this to the rest of the departments, like the department that processes payments. The servicer refused to post my payment unless I included the additional ( and incorrect XXXX Escrow, which makes paying my other household bills even more challenging. I cant afford to pay something that I do n't owe, and by raising my Escrow {$100.00} MORE than what it should be, it is putting me in a tight bind.
My credit card has been fraud antsy charged for XXXX year for XXXX without my permission. I went to bank spoke with banker and they were going to contact XXXX and investagate thus far I have not reviewed any assistance or refund reflecting my credit card. I did not authorize the transaction at all. Nor do I watch XXXX. Please help me to find out why Bank of Anerica is negligent in following proper ethics and XXXX in credit card fraud reflecting their bank issued card?
Premier Portfolio Group contacted me stating that they held a payday loan debt from XXXX XXXX XXXX, a company I have never done business with. The representative, XXXX, stated that this was their last courtesy call and that I would face legal action for defrauding the company and would be sued. I asked for confirmation of the debt and was sent a letter via email. I told her that I would contact my attorney and have him call her. Instead, I contacted XXXX XXXX XXXX and confirmed that I had never had dealings with them to rule out something fraudulent being done in my name. The representative from XXXX XXXX XXXX, XXXX, advised that I have no record with them and that this was a fraudulent request. XXXX also stated that XXXX XXXX XXXX does not sue anyone for debts that have been defaulted even if i had something with them. She asked that I report it as well. I contacted Premier Portfolio Group and advised them that I did not owe the debt and would not be paying. The " manager '' that answered stated that she would pursue the account with XXXX County and would note that I had refused to pay. She stated that my case was now closed and they would pursue action. I wished them luck and ended the call. The website for their company is http : //www.premierportfoliogroup.com/home.html. The call I received yesterday was from a XXXX number and today was from XXXX XXXX. The letter they sent stated XXXX.
They continue to call and harass me. They have called my wife on her cell harassing her. They threaten to garnish wages and put liens on property. I do n't owe them any money and those they say they are representing. The company calling is premium assest services. They do n't have valid website. They say they represent an online payday loan which is even illegal in the state of Kentucky.
I made multiple payments on this account and was never able to get out from under this payday loan. I have tried multiple times.to contact this provider with no success.
Solomon & Solomon are reporting an old XXXX bill as owing XXXX. I have asked them to provide me proof of the amount owed as I know I do n't owe what they state. I filed with the Attorney General office and finally got some documents that show that they are collecting and amount that does n't belong to me and they continue to report it erroneously. I have been disputing this for over 3 years. The attempted to make their own excel spreadsheet and pass that off as what I owe. Once they provided all the supporting docs it showed that there was an amount transferred to my bill for XXXX that does n't belong to me.
I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my equifax, XXXX and XXXX updated reports.
In XX/XX/XXXX we received a response from XXXX XXXX XXXX ( " XXXX '' ) concerning the length of time the company reported a negative item on our credit reports. I have attached a copy of the company 's response. We submitted a complaint to your agency on XX/XX/XXXX and XXXX responded that this is a duplicate inquiry. However, this is a new complaint. XXXX confirmed that the negative item ( late payment ) first appeared on our credit reports in XX/XX/XXXX. 

According to Section 605 - 15 U.S.C. 1681 c ( a ) ( 1 ), ( 4 ), ( 5 ) and ( c ) ( 1 ) ( Fair Credit Reporting Act '' ) an adverse item shall not remain on a report for more than 7 years beginning on the date it was first reported. We are now past the 7 year period and XXXX continues to report the negative item on our credit reports. When we filed our initial complaint in XX/XX/XXXX, the 7 years had not fully lapsed. We are now over the 7 year mark and the negative item remains on our credit report.
XXXX XXXX XXXX is attempting to collect a debt that is not mine, also they have negatively posted on my credit reports, I ask for validation from the credit bureau as well as midland and received nothing yet the post is still listed.
In directly violation of the FCRA, Santander XXXX XXXX continues to update the reporting of the delinquent account being reporting to the consumer reporting agencies. 

The 7-year reporting period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

I am requesting that Santander review my file and furnish accurate and true information to the consumer reporting agencies that complies with the requirement of the FCRA.
Back in XX/XX/2012Bank of America put me in XXXX & ive paid them off & ive got a XXXX   report but no information is there. Im trying to figure out when Im going to get out of XXXX.
Spire recovery solutions called my brother saying I owed a dept since 2007 for a XXXX..I called XXXX today and they pulled up my credit saying this has never been on my credit report..and put out a fraud alart on this issue ... they have been harrsing me threw email and phone ....
I have a loan with WESTLAKE FINANCIAL SVC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WESTLAKE FINANCIAL SVC with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Twice they have reported missed payments to my credit bureaus, I still have n't gotten the first inaccurate info removed and now they have done it again. I have proof that this loan has been paid monthly with no missed payments. I have also been unable to get them to give me a written statement showing what I have paid and what is still owed on the loan.
I fell behind on the loan and it was charged off to a Northwood Asset Management Group. This organization has called my parents and family, sharing personal information about the loan including the amount and history.