WillisBack/dataset-financial-user-claim huggingface dataset:
My husband is in the military and I am a spouse that has followed my husband XXXX for the last 10 years. I have sent proof that this account is not mine since I was living XXXX during that period of time but they ignored the letter. This account although was not mine I still payed it because it was hurting my credit. I never received a notice just until XXXX of this past year and I went online and payed for the account. The person used my hotmail account to open this account. I have sent copies of documents and even an affidavit from the XXXX we are posted on and still there is no resolution. I do not know what else to do solve this problem since I still live XXXX with my spouse serving our country. This has been an ongoing issue since 2012.
Credence Resource Management is reporting a {$490.00} XXXX debt collection on my credit file that I have reported was a result of identity theft. I have sent police report to credit bureaus. The debt was deleted from my credit file and now it is re-inserted on my credit. I want full validity and proof of debt belonging to me. I want this matter investigated.
I file a dispute with Equifax regarding to medical bills that appears on my credit report. Equifax took upon themselves to dispute all my credit cards with XXXX XXXX an I have been receiving letters from the bank stating that I reported that I did not applied for this account or that its not mine. I have never reported these accounts from XXXX XXXX as fraud. The last letter from XXXX XXXX was just received by me from the XXXX XXXX XXXX stating to fill an affidavit of fraud regarding the account and if the charges are fraud. I spoke to an investigator from XXXX XXXX and old him that I never disputed any of the account with XXXX and that I only disputed two medical bills that are listed on my credit report in a collection company which are not mine. I called Equifax executive offices and my call was sent to another country, which I do n't understand why another country would have access to my personal information and that 's why the consumers are at risk from beach and identity theft. all the creditors that are run by XXXX XXXX  are sending my fraud form to fill out and return to them.
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Unauthorized/NOT COMPLIANT/or without Permissible Purpose Credit Inquiry dated : XX/XX/2017 by : XXXX/XXXX XXXX XXXX
Navy Federal Credit Union is reporting 2 adverse trade lines ( 2 credit cards ) as 4 adverse trade lines and 1 closed account paid ( 1 vehicle ) as 2 closed accounts paid. As a result three Navy Federal Credit Union trade lines are reporting as six Navy Federal Credit Union trade lines. This is negatively affecting my credit score and credit worthiness. The following Navy Federal Credit Union ( vehicle ) closed account paid is reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same vehicle loan is listed as two different trade lines with two different account numbers. The 30, 60, and 90 day lates are reporting twice as late payments. 
The following Navy Federal Credit Union ( credit cards ) accounts are reported as follows : XXXX XXXX XXXX Past Due : {$2200.00} Payment : Collection XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Past Due : {$2200.00} Payment : Profit & loss Balance : {$2200.00} XXXX XXXX XXXX Past Due : {$2000.00} Payment : Collection XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Past Due : {$2000.00} Payment : Profit & loss Balance : {$2000.00} The amount past due is reporting a total of {$8600.00} ( XXXX + XXXX ) two times the amount of the total past due. The total past due is {$4300.00}. 
Last active date XX/XX/XXXX is incorrect. According to the report, both accounts were closed by credit grantor in XX/XX/XXXX. My records indicate last payment made on either credit cards was XX/XX/XXXX. A negative credit reporting for both cards began in XX/XX/XXXX. No payments or activity were made after that date. 
I have attached a copy of my credit report supporting my complaint. I have blacked out information not pertaining to this complaint for my personal protection and privacy. 
Thank you
Experian is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.
I have incorrect information on all the credit reporting agency, XXXX, Equifax, and XXXX. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX XXXX incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX Equifax Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
my identity was stolen in XXXX 2017. Someone used my SSN, maiden name, married name and former address to open up at least 12 accounts. At that time i filed a police report ( attached ) and requested from many creditors that had my information submitted by fraudulent means to close all fraudulent accounts. Chase seems to have kept a line of credit AND a checking account open in what is supposed to be a " business name '' of XXXX XXXX XXXX. my official business is XXXX  XXXX XXXX. The overdraft line of credit ending in XXXX i just got notice has been closed. However -- -what concerns me is the fees or any outstanding balance on this account and any other accounts that might have been opened in my name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX ). i do not have ANY OPEN ACCOUNTS legitimate ones that i opened -- with CHASE - at this time. i want them to investigate and remove my name from any credit bureaus, as well as release me from any outstanding balances. i have attached a police report as well as letter i just received from chase.
Was not able to get my annual free credit report on-line from XXXX, because the identifying questions did n't have anything to do with me. I did not live in any of the listed counties, or have any of the listed phone numbers. I believe the XXXX of the XXXX agencies that stopped the process was TransUnion, but I 'm not certain. Evidently someone has wrong information associated with my name and SS #. How can I get it corrected? Thank you.
I have paid on my loans for about ten years and the balance has not gotten smaller, it has actually increased.
XXXX XXXX XXXX has been avoiding my deferment requests. I have a XXXX XXXX loan and my child is currently attending school full-time for an XXXX degree. XXXX & XXXX is not doing their due diligence by not promptly handling my requests. When I call them, they always have a different reason for how I have n't completed the correct forms, but I simply followed the instructions on their website and from their representatives over the phone.
I currently have a XXXX mortgage on my primary residence located in XXXX Ga. my current loan servicer is Ditech. I have been contacted both by phone and overnight priority written correspondence that my loan is eligible for the Presidents HARP refinance package as my loan has been current for the past 3 years but with some late fees on it. I went over this several times with various loan officers from both Ditech and the previous servicer which was Greentree Servicing. I was told that I am not eligible due to credit issues which arose during an illness that began over 2 years ago and I am still dealing with today. My understanding is that with the Presidents latest package is that there are no income or credit requirements and no appraisal is needed. I do have some credit issues but I do not have the cash necessary to pay these off as I have excessive medical expenses at the present time. I do not understand why I would not be eligible for assistance under President Obama ; s plan since I apparently meet all the criteria. any assistance that your office can provide would be appreciated. thank you
I keep getting phone calls about a debt that I do n't know the creditor. They have been calling my son, my niece, my daughter in law. All the numbers being called are non-published numbers. All who have no knowledge nor involvement with this debt collector, nor any of my dealings. They tell them that that is an important court matter that needs to be resolved in a threatening manner.. 
The number I get calls from is XXXX ( Municipal Services Corp ). or so they identify themselvesI have called that number telling them to stop calling me and my relatives to no avail. Thank you
I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On XXXX it's shoes last payment as XX/XX/XXXX but EQUIFAX it's showing last payment for XX/XX/XXXX. It's was reported on Wquifax XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On XXXX it's showing this account was closed XX/XX/XXXX.
In XXXX or XXXX, myself and my now ex-husband consolidated our student loans. As of today this consolidation program no longer exist yet I am stuck in it. He and I are no longer married and I have made several attempts to lower my payments since I am currently in school but I am unable to get an affordable payment without my ex husband meeting the same criteria. This is a conflict because not only am I locked into a program that no longer exist, I also have " no contact '' with my ex husband. All I want to do is make a payment that I can afford and not be penalized in the process. I have no knowledge of my ex husband financial situations. I just wish there was something that I could do on my own, to pay off and resolve this matter. We are both children of deceased veterans, I have worked for a non profit organization for 7 years, I am a single mother, and I am currently a XXXX XXXX student. I just want to do good but the payments are just way more than I can afford to pay. There has to be some other options to those that have entered a consolidation program that no longer exist.
When I got my loans between XX/XX/XXXX-XX/XX/XXXX I was under the impression that I could defer my loans that were originally under {$60000.00} now they have increased to more than {$100000.00}. I have two loans that I have to worry about the parent plus loan and my own personal on that I got through school. After I receive my XXXX degree I did differ my loans well I went back to school to receive my XXXX that is when the interest inflated my loans. It 's difficult to pay these as interest on the loans goes up as well as cost-of-living, but pay does not go up. I do have a job and I tried to contact Navient but it is always a hassle trying to get them on the phone, I do n't think I 've been able to successfully talk to a person since Navient took over XXXX XXXX, and I make too much money to take advantage of income-based repayment plans so I pay over {$1000.00} in loans. The cost of education is ridiculous and the jobs are n't really here to help support an adult after attending post secondary education establishments. Immediately after I graduated with my XXXX degree I was making & XXXX an hour, it 's difficult to pay a couple hundred dollars in student loans making {$XXXX} an hour.
On XX/XX/XXXX I had sent an email to XXXX XXXX to revoke ACH consent as I am struggling financially and need to set up a different payment plan. I also sent a Cease Communication notice and advised them that I would reach out to make arrangements when I was able. On XX/XX/XXXX they withdrew funds from my account.
I took out a loan with Wells Fargo Auto the loan was {$17000.00} with a daily fee simple loan at 3.24 % interest rate.. i have only one late payment since the loan started XXXX XXXX  14 I At the present time the loan is {$7700.00} i have notice over time that due to the type of interest on loan the interest payment has jumped a few times Last week the interest jumped up over {$13.00} On the payment making it {$35.00} so as I'm am paying down the loan the interest is going up.. i called wells fargo and went into battle with customer service, she screamed at me i don't understand the type of loan i took out and if i pay at different times it incurs higher intrest So i did caluculations of the loan XXXX x 3.24 % interest over 365 days = XXXXcents x30days = XXXX  not {$35.00} I have now gone to another bank to refinance theloan to pay off Wells Fargo.. they sent me doucuments they printed themselves and at XXXX i should be paying {$18.00} in interest please beware of Wells Fargo
XX/XX/XXXX and XX/XX/XXXX - I tried to make a payment to Carrington Mortgage Services company on their website, as I 've been doing in XX/XX/XXXX ; however, the website would not take my payment stating that I did not meet a certain criteria. I called the XXXX customer service line to understand the criteria ; however, they were unable to explain the criteria and wanted me to pay {$15.00} to accept my payment over the phone. I requested a Supervisor/Manager and they disconnected me from the line. My loan is not late, and I do not have any issues regarding my payment history. 
Desired solution : - They need to have a policy regarding calling payments into customer service that does not include paying {$15.00}, if they have proof that their website is not working properly. The website is free, and I would prefer to use it to make payments, but it was not working. 
- When a Supervisor/Manager is requested, they should have a process to connect someone with the Supervisor/Manager and not hang up on that person.
XXXX XXXX XXXX I was falsely accused of elder abuse by my grandfather. We bought a trailer together for his book tour, ( I helped him finance the trailer ) and when him and I got in a family dispute he called in a false abuse claim. USAA then put the entire responsibility of the loan on me, closed my accounts, and froze my money for 45 days. Then reported negative information to my credit report. Despite the fact that I sent documentation and had witnesses come forth and say the information was n't true. I was told by the agent that " it does n't matter what I provide, they will side with my grandfather ''. I have tried getting these issues fixed directly with the company ( who I was a member with for 5 years ), they are n't willing to talk to me. They also froze me out of all of my online accounts so I have no way to manage my two loans with them.
My phone has been off for about two months and it was turned on about two weeks ago. I started receiving calls from XXXX which i found to be asset recovery solutions. They constantly called my phone all day without leaving messages and at one point they called twice within one min. I did answer once and a man asked me to verify my social which i told him no. He said they had been sending letters which i have not received. I will be more than happy to speak to them when i receive some type of verification.
I GOT A PHONE CALL FROM A PERSON CLAIMING TO BE MY COUSIN FORM XXXX. I INNOCENTLY BELEIVED IT AND WAS EXCITED TO SEE THEM. THEY ASKED IF I COULD SEND XXXX DOLLARS TO THEM ( AT THIS POINT IM STILL THINKING ITS MY COUSIN FROM XXXX IN NEED ) TO SUMMARIZE I GO TO MY NEARBY WELLS FARGO WHICH I WAS ASKED TO DO SO ... I CAME UP WITH 2000 AND WENT TO A TELLER GAVE HER THE ACCOUNT # THEY SUPPLIED ME WITH AND THE NAME OF THE PERSON MONEY WAS BEING DEPOSITED TO. SHE DID TELL ME IF I WAS SURE BECAUSE IT LOOKED AND SOUNDED LIKE FRAUD AT THIS POINT THIS PERSON THAT I THINK IS MY COUSIN SOUNDED DESPERATE AND IN NEED SO I SAY YES ITS MY COUSIN SHE AGAIN ASKS ARE U SURE BECAUSE IT LOOKS LIKE FRAUD SHE WAS UNABLE TO PULL UP THE ACCOUNT AND ASKS FOR THE NAME AND SHE SAYS I FOUND IT UNDER THE NAME YOU HAVE THE LAST XXXX DIGITS WRONG AND PROCEEDS TO SCRATCH THEM OUT ON MY PIECE OF PAPER I HAD IT WRITTEN DOWN ON AND GOES FOWARD WITH THE TRANSFER. I GET BACK HOME AND THEN RECEIVE A CALL FROM MY UNCLE LOANED ME THE MONEY AND AT THIS POINT HE CONTACTS MY COUSIN AND CONFIRMS THEY ARE UNAWARE OF THE WHOLE SITUATION. I GO BACK TO THE TELLER BUT AT THIS POINT MY UNCLE WAS GONE AND I DONT HAVE A CAR TO GO BACK TO THE BANK. I DESPERATELY CALL AND AM TOLD I ONLY HAD 20 MIN TO REVERSE THE DEPOSIT SO NOW ITS TOO LATE. I GO BACK TO THE BANK AND ASK WHY IF THEY THOUGHT IT WAS FRAUD DID THEY LET ME PROCEED? THEY ARE TRAINED PROFESSIONAL I AM NOT SADLY I WAS FOOLED OUT OF 2000 DOLLARS. THE MANAGER TOLD ME THEY ALWAYS VERIFY ACCOUNT # S AT WELLS FARGO AS LONG AS YOU HAVE THE FIRST AND LAST NAME THAT I CANT DO ANYTHING NOW THEY WERE RUDE AND INCONSIDERATE NOT TO MENTION THE EMPLOYEE WAS NOT THERE TOADY WHEN I WENT BACK TO SPEAK TO THE MANAGER WHICH LOOKED SUSPICIOUS VERY RUDE MANAGER PLEASE HELP ME WHAT CAN I DO?
RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF XXXX XXXX XXXX FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.
this account appeared on my credit and is not mine was opened due to my identity being stolen i have listed this on an identity theft report from the ftc that has been notarized and also this unknown acct is on my police report yet this company conitinues to report and retain this account with my name fraudulently it needs to be remopved
I just received a notification alert via XXXX that a medical bill is in Collection status, and I now have a derogatory mark on my credit report. I have not received any type of invoice or email concerning the bill, as I believe I paid all medical bills in full. 


Amount : {$120.00} Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to
I have been contacted by XXXX firms that claim I owe XXXX ( formerly GE Capital ) {$1700.00} for a Sleepy 's purchase in XXXX XXXX. I had paid off other GE loans ( medical and other ) so when I was offered an account settlement I was most willing to pay the a lesser amount in XXXX installments of {$350.00}. As agreed I did so and I do have the letter and subsequent payment documents. I was later contacted by a credit firm in XXXX, NY, XXXX, and explained the situation -- I had a solid explanation about the resolution. XXXX XXXX I was served by XXXX, XXXX XXXX and XXXX. I explained the matter to their representative, XXXX XXXX asked me to fax the documents discussed to a " XXXX ''. I have the number and contact names. I wrote a followup on the cover to XXXX XXXX. I asked for a letter of confirmation. I did n't receive XXXX, but was n't surprised. Not until this week did I hear from the XXXX firm. The paper work, a cover letter and an old letter " from GE '' were sent. It 's dated, insufficient work. A great problem for people is the insufficient, groundless information that causes firms like XXXX to join in without full knowledge of the matter. A firm like XXXX is just permitted to contact and harrass consumers without the proper paperwork. I remember seeing the issue on the XXXX XXXX. ... Something needs to be done. I 'd appreciate your assistance. I can easily provide documents. Thank you for your vigilance. XXXX XXXX.
I have never been able to access my credit report from Equifax because the questions they use online to verify my identity have absolutely no relation to my credit history. I tried again two days ago, and once again, all of the questions referenced mortgages, store credit cards and auto loans that I have never taken out, and phone numbers that do not belong to me. There was n't a single piece of verifiable information presented in any of the questions related to my accurate credit history, so it would have been impossible to verify my identity that way. I am able to access my reports from both XXXX and XXXX, and those show no problems with my credit -- but I was recently notified though my bank that there was a negative public record associated with my account. This, combined with Equifax 's inaccurate identity questions, makes me extremely concerned about the accuracy of Equifax 's report. A quick search online returns literally hundreds of complaints about this exact same online verification issue from Equifax. And on top of that, Equifax 's phone system is almost comically XXXX and seems intentionally evasive ; my call was dropped three times as I followed the prompts to speak to an actual representative. A customer service representative emailed me saying that I was free to submit a snail mail request for my report. But of course this is an arduous process not required by either of the other XXXX reporting agencies. People are much more likely to give up, rather than send their sensitive ( and possibly already potentially compromised ) information through the mail to a shady company. Altogether, this looks like Equifax is deliberately evading its federally-mandated responsibility to provide information to consumers.