WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX had put in a soft disconnect which interrupts the service before a formal interruption is done. This was done throughout the time in 2014 when I had their service. The snow storm in XXXX 2014 causes equipment problems where I could not use my phone. After I got behind in my bill I paid it but they continued to bill me for full service even though the phone was n't working and the TV and internet were intermittent. I paid the amount that I would have owed but they continued to bill me for services not rendered. A representative from their Corp office called me & said it would be deleted and removed from my account because of the soft disconnect which she acknowledged. It was recalled in XXXX and from XXXX agency in XXXX and deleted. I pulled my credit report and found it resurfaced under another collection agcy after I got new service with them The acct # XXXX. I disputed it with all of the collection agencies and it was deleted which proves what I said. I was told since I don ' t have the letter that was sent to me, they wo n't do an adjustment, but the credit bureaus would n't delete it unless they had proof which the Corp rep said she would send.
I sent disputes already but no contact or changes have been made. 
You are recording a collection account that was originally a medical bill paid by aNo-fault insurance company. This was paid and should never have been a reportable accountThe creditor advised me that they changed the account as true to false in 2014 and made several requests to have the file deleted from my report. 
Please see the attachment supporting my statement
I currently have a XXXX XXXX XXXX Account with Regions Bank. 3 months ago I opted out of Standard Overdraft Protection because I am on a fixed income only receiving {$650.00} per month SSI benefits. I have contacted the companies that I had recurring monthly fees but my requests have been in vain. I have been charged for overdraft payments and fees which leave me financially incapable of paying for the basic necessities. I thought that opting out of the Standard Overdarft Protection would result in insufficient funds for anyone trying to send a payment through.
I have a dileguincy on my credit report from Calvary Plc I contacted them and they sent my to XXXX of XXXX Tennessee I pod my bill over a year and a half ago and they never sent the court system a satisfaction of judgement no one can explain to me how to get this off my credit report XXXX ca n't do it and the court system tell me they do no report to credit burea I did my prt in paying and why has it taking over a year and a half sence the judgement for XXXX to send a satisfaction of judgement and how long will it take now until my credit report does no have this on it
I was offered a 0 % Balance Transfer by Wells Fargo for 15 months. A few months later, my credit limit was increased without my permission. I was under the impression that the credit increase would also be under the 0 % offer that I originally was given. I noticed a few months later that Wells Fargo was charging me an interest fee for and usage of the credit without my consent or knowledge. I was not informed of this and did not give permission to Wells Fargo to extend my credit with an interest fee. I attempted to fix this issue but was told that I could do nothing about this and was abruptly hung up on when I attempted to fix the issue.
Foreclosure occurred while a modification process was in effect. I will incorporate documents showing lender engaging in a loan modification process and failed to comply with civil codes XXXX by auctioning my house while a was negotiating a repayment plan.
A legal item has appeared on my TransUnion credit report, a {$1900.00} small claims judgment through the XXXX XXXX XXXX XXXX ( Michigan ) small claims court, reference number XXXX ( this is all in the public record, no personal info ). I called the court using the contact information provided and after the usual debacle of bureaucracy spoke to a very helpful clerk who was able, at last, to pull the relevant file. It appears this is a judgment against a XXXX XXXX with no DOB or other identifying info made back in XX/XX/XXXX. She dug deeper and found the court attempted to garnish wages from the Department of XXXX, but received no response from that institution and the case just sort of died there. 

My name is also XXXX XXXX. I did indeed live in XXXX for one year, from XX/XX/XXXX to XXXX of this year, but in XXXX XXXX ( XXXX XXXX ). This is clearly a different XXXX XXXX, but for some reason this item has started appearing on my credit report. I would like this corrected immediately but gave up after almost an hour on hold with TransUnion. I do n't really have the time to actively pursue this at the moment ( I work as XXXX ), so I thought enlisting your help might be more efficient ( I remembered this agency because I was a candidate for XXXX of your fellowships earlier this year ). 

Thank you in advance.
AMERICAN EXPRESS : My card was stolen XX/XX/2016. I immediately notifed AMEX and received a new card. However, when I received the next billing statement there were charges amounting to {$1800.00} that I did not make. I immediately called AMEX and they said they would take care of it and send it to their fraud claim department and that was it. ( I went through the whole list of charges and a person checked them off. ) Since then I have received endless number of communications from American Express stating they were looking into it, in some instances they credited me for {$8.00} which was a charge ( that I did not make ) at a drive through restaurant, and they credited me for other amounts but then charged them back to me, stating that they contacted the companies where the charges were made and the company said the card was presented so they charged the amount back to me -- -YES, THE CARD WAS PRESENTED, THE CARD WAS STOLEN, THEY OBVIOUSLY DID NOT CHECK ID. I HAVE CALLED, EMAILED, WRITTEN LETTERS, ALL TO NO AVAIL. They even charged me late charges for nonpayment of the amount -- -I am so frustrated. The fraudulent charges were all made within 24 hours or so of the card being stolen and my reporting. I have a file XXXX of communications from AMEX and still no solution to this incredible instance. Please tell me what to do. thank you very much. XXXX XXXX
An agency Aargon Agency is collecting on a debt on my XXXX and XXXX report stating I owe a debt for a medical bill. I have asked on several occasions for validation of the debt that is showing my signature of a release of my medical records which is a HIPAA violations to have my medical records shared without my consent. I have called the agency and also send over certified letters, and they only have put disputed on XXXX and XXXX report. I also reached out to both credit bureaus, and they only said the debt was valid, and I sent a letter stating that this company was in violation of HIPAA laws, but they have not corrected the issues. I am looking for you help to see if I can get this debt cleared from XXXX and XXXX. I have also sent over a certified letter to original creditor and it was sent back to me as undeliverable address, and I sent this to both credit bureaus.
I am filing a complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. It is way past the 30 day mark and if they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible. Greatly appreciated. Thank You
Niagara Restitution contacted me and threatened to serve me on XXXX/XXXX/17 for a debt that was discharged in bankruptcy more than ( 3 ) years ago. As soon as I said lawyer they hung up. I 'm writing you because I am concerned that other individuals may be or have been threatened by this company. Other individuals may not know their rights and the debt collection laws. This company needs to be shut down and a class action lawsuit should be filed against them. I have evidence and I 'm sure many others have evidence of them violating debt collection laws.
Per federal regulations, any debt exceeding 7 year-old can not show up on the consumer 's credit report. The debt in question is over 7 years-old. Debt Recovery Solutions is falsifying records and stating the debt was establish as of XX/XX/2018 on my credit report. This is a false statement and against the law to falsifying records. This company is engaging illegal collection practices.
The following names below are spelled incorrectly or are wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses below are listed incorrectly or are n't mine : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( missing lot # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine ) XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine )
A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to XXXX who sold it oracle financial group that they are the ones with the debt.
Checking for errors on my credit report I found an account and a few inquries I didn't authorize via XXXX, Experian, and XXXX. 
XXXX included inquiries I didn't recognize such as : Screening Reports XXXX XXXX XXXX XXXX XXXX on XXXX, and XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX
A letter was illegally sent to my employer ( in  XXXX they have a   XXXX   XXXX   XXXX   drop box ), illegally threatening to sue them if they did not garnish my wages ( non-court ordered ) under a non-existent Federal regulation (  34 C.F.R. section 682.410 ( b ) ( 10 ) ( I  ) ( F ) ).   The collection company is  Delta Management Associates , Inc   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX , MA  XXXX  ) ; phone number  XXXX  ; email -  XXXX  XXXX  XXXX .   In my attempts to call this company, I was placed on hold for an extended amount of time and considering that I live in a foreign country, to remain on hold was cost prohibitive.
On or around XX/XX/XXXX, I found out after our account was negative {$5000.00} that my daughter was a victim of a scam / fraud. She was offered what she thought was a job by a friend of hers she trusted, and who claimed to also have this job promoting a clothing company in XXXX IL using social media. She was to post about the clothing line / products via XXXX - " XXXX '', which she did. She received payment totaling around {$8400.00}, deposited into our custodial account in which both our names were listed. The individual she was dealing with called to inform her she had to pay a XXXX % " marketing fee '' on her income. After several very persistent texts, he had her withdraw and wire the {$2000.00} " fee '' to him. He said to tell anyone who might question this she was sending money for funeral expenses. Then he told her to avoid XXXX XXXX charges on future income, he could withdraw the funds from her account directly. Obviously this was a scam on a kid who was trusting and naive, who saw a 'get rich quick ' opportunity, and trusted this " friend '' who lured her into this mess. The friend turned out to be a stranger who forged a XXXX account, and my daughter never knew it until afterwards. Our account had transactions from XXXX & ATM withdrawals in XXXX, we live in XXXX XXXX, MO. She never gave permission for XXXX transactions or ATM withdrawals, she thought that she 'd only be paying once she received future paychecks. The charges were as follows : XXXX at XXXX for {$1000.00} each, ATM withdrawals of {$400.00}, {$100.00}, {$300.00}, {$83.00}, and a small charge at a gas station for around {$4.00}. We contacted the police, and they agreed she was a victim of fraud. They allowed us to file a police report, then we took the report info and disputed these charges with UMB, but they denied crediting our account back, claiming the charges were valid, since she gave account info. My daughter had no idea this person was a fraud at the time and was scammed into divulging the account info, was trusting of a person she thought she knew, and as a result, they went on a spending spree, stole money, and UMB closed the custodial account and applied those charges to my primary checking account.
Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX. 

This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment. 

My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB.
Someone from High Point Asset, Inc. called my work number. Although they did n't identify themselves, I was able to find the name of the " company. '' They have been harassing me over a debt that I do not owe.
I have been requesting my  XXXX  free credit reports online via  XXXX  for many years. Usually no problems but have caught  XXXX  problems and managed to resolve them in the past. No issues for at least 5 years. Last year (   XXXX   XXXX  2016    ) I printed  XXXX  and  XXXX  from the online reports. Equifax stated online they could not honor my request online but would reply by mail-which they did. This year   XXXX   XXXX   to be exact I had no trouble printing online reports from   XXXX   &   XXXX  . Equifax however stated they could not honor my request online for security reasons ( they did not ask any extra security questions which have been used by others in the past  )  but I would have to process my request through the mail. There was a place to click on a PDF file to print the mail in request and to submit many different types of proof of identity. As this appeared to be onerously cumbersome I started clicking around to see if I could avoid this extra work. I managed to get back to the home page which now showed that I had received my Equifax report.and could no longer access the information. I have attempted to find the request form and instructions online unsuccessfully. I have attempted to call Equifax but since I had no ongoing issue none of the options applied.   It appears that Equifax is doing it 's darnedest to avoid complying with the Fair Credit Reporting Act ( FCRA ). I just want my credit report without having to jump through unnecessary hoops-yes I think security is important but so do  XXXX   &    XXXX
I was charged a late fee for charges that I was not aware of on my card. I thought I had a {$0.00} balance because I had paid off all of my purchases but then a month went by thinking there was no balance and it turns out there was a balance so I was being hit with late fees for several months before I realized it. I was always on time with all of my payments and this is hurting my credit report. I closed the card because it appeared as though they were charging me a fee that I was never made aware of and since I didn't know there was a fee it made my payment late. The company is XXXX. And the late payments are showing in XX/XX/ 2017. 

I have gone through XXXX to try to resolve this and also talked directly to the company and they said that there is nothing they can do because I closed the account.
My loan is in forbearance. As of today 's date   XX/XX/XXXX     I tried calling Navient at  XXXX  and  XXXX  to talk about starting repayments.  <P/> I had to call  three  times to the  XXXX  number. It is an automated system that simply disconnects the call and refuses to turn the call over to a live human being.  <P/> I then called the  XXXX  number and received a human being outside of   XXXX  . I requested a supervisor in  XXXX . After a five minute wait the operator to whom I had made the request came back on the line and stated that " they had no direct number to a supervisor. ''
I received notification on my alerts through Equifax that a new credit collection account is appearing on my account at Equifax,  XXXX  and  XXXX  on   XXXX   XXXX   XXXX     with  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates   XXXX   XXXX   XXXX     which is in the future. Second, I do not have gas service at my present location and have been at my present location of   XXXX   XXXX   XXXX   for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on   XXXX   XXXX   XXXX     and ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that as well.
I have a number of inquires on my credit report which I did not authorize, I keep calling and disputing Equifax and they are constantly giving me the run around. As of right now I have XXXX inquires on my credit report which I did not authorize and they keep coming back verified when I dispute which is not true. This has caused much harm in my credit score and I just want these inquires removed from my credit report. They are from, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX Bank, XXXX XXXX Loans, XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX, there is also XXXX that does n't even have a name by it but a date of XXXX/XXXX/2016 and I have not applied for any type of credit on that day. Since I can not get any corporation from Equifax with removing these unauthorized inquires will you please help me in this matter.
Comenity bank called my house sunday XX/XX/XXXX at XXXX,XXXX,XXXX after being told several times not to call. They are calling over a {$25.00} late fee that was deducted causing my bill to be late they call more then 5 or 6 times daily they are harassing.
I have a car loan with consumer portfolio. After falling on hard times due to the loss of my job and my income going down i fell behind on payments. I took my loan out in 2012 i think. They constantly called and harrassed my personal referances giving them info about my loan without my permission and constanly called me at work after being told not to do so. They recently repoed my car for being in default they didnt even try to work with me and refused to lower my monthly payments
This is a complaint against AMERICAN EXPRESS, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
I took a loan out with XXXX XXXX in the amount of {$35000.00} in 2009. Since then I move back home and was unable to finish my degree due to Finacial hardship. I spoke with XXXX XXXX on multiple occasion on getting my payment lowered which was declined. I spoke to a lawyer which also called and tried to negotiate with this company however they would not budge. I was unable to make the loan payment and they wrote it off into a collection agency to XXXX XXXX.
I am requesting debt validation for an account Windham Professionals XXXX is reporting on my credit report.
XXXX XXXX XXXX had contacted me during my work hours I spoke to a young lady offering a a gift card for {$250.00} and I will receive magazines and can cancel any time. She then transferred my call to another representative that took my mail address. I never received the gift card but I did their magazines. They withdraw {$50.00} on XX/XX/XXXX through XX/XX/XXXX off my Checking account. I had recently moved from my original address and did not pay much attention with the plan to cancel the magazines. When I tried to cancel on XX/XX/XXXX they refused to cancel my policy saying they had send me a notice of renewal and since I did not sign they automatically sign you up for a year contract without my consent!!! I tried to explain that I moved and was not aware of the notice and tried to cancel with no success. I contacted my bank on XX/XX/XXXX to stop payment. The Bank also tried to contact XXXX XXXX XXXX to cancel payment and they were very rude not only towards me but to the Bank Representative refusing to cancel.My bank did warn them they will stop payment and they will be recorded as well of the conversation if they withdrew any more money from my account they will take action. Since than I keep getting harassed phone calls and mail by the company and recently a debt collector to collect the full amount of year contract. I need a resolution to stop this company, read reviews on line and I 'm not the only victim of this company.
Please assist me in getting an incorrect birth year removed from my credit profile. I was born in XXXX, not in XXXX as Experian is reporting. I have informed Experian that I was a victim of identity theft. Also, there are several inquiries in the last year that is not mine. Please remove these unauthorized inquiries from my credit profile. The following addresses are not mine : XXXX XXXX XXXX and XXXX XXXX
Navient has not responded to a request for forbearance that they said I was eligible for. I told them I have no phone access during the week or until after XXXX p.m. on Fridays, due to XXXX rules. I sent in the required paperwork. I 'm sending it again, along with the required {$150.00} " good faith '' payment.