WillisBack/dataset-financial-user-claim huggingface dataset:
I guess I 'd better get this in before you 're gone ....   A person with a similar name,  XXXX   XXXX   XXXX ,  XXXX  has  XXXX   XXXX  debt that has been in collections for years. About 5 years ago, my address became tied to his name. Not only  XXXX , but the  SSA ass umes I 'm him. Because this debt is so old, ( and never dies ), the paper on it is spread far and wide. As a result, I receive multiple calls each day from various deb t collectors tryin g to get {$250000.00} out me. The  SSA/Treasury Dept.  even sends me regular notices informing me that " my '' check is being garnished ( For all this hassle, it would be nice to get what 's left ). Of course, they must be sending the actual checks to a bank that has his address or to his home.   I of course have made multiple calls to all of the relevant agencies to get this straightened out. The reason I do n't get anywhere  is simple-CATCH-22.  They wo n't help me because I 'm not him, and only he can interact with them on this account. I have insisted on talking to supervisors, begged, etc to no avail. Once a supervisor at Treasury said the most they could do was put me a do not mail list. Not so much.   You might ask why I do n't just tell the debt  collectors that I ' m not that guy. I used to, but the paper is just resold almost immedia tely. Anecdote : on  e interaction  about 3 years ago, I had a supervisor in debt collection office and told him I would n't give him my social because they would just sell the paper right away. He said just a sec, looked up something, and said " I think you 'll get a couple months ''.   Two weeks later I was being hounded again.
Can you help? ( I 'm begging again ) I 'm sending pdfs that have the relevant info on them
I 'm having a problem with Navient private loan XXXX. I 've submitted XXXX XXXX application to have this loan discharge because I do n't have any income. To no avail they continue to decline my request. I had no problems getting my Federal loans XXXX but XXXXNavient private suggests that I become delinquent rather work out a plan. I 've recently ask if they could defer my payment for a year are so until I have XXXX income.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 BANK OF AMERICA , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX
On XX/XX/XXXX I sent certified letter to XXXX XXXX disputing an item in the amount of {$1200.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/XXXX which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!
My ex wife took out a modification on the original mortgage without my signature. Ditech Financial LLC. When I contacted them they told me my name should have been on it as well as other banks told me the same thing. I am remarried and live with my current wife at an apartment that we have lived for 6 years. I pay XXXX per month and I am trying to take out a mortgage but Ditech continues to report negatively to the credit bureaus as my ex wife does not pay her bills on time as they know that i do n't live nor see the bills that go to that home. The only reason i found out is by trying to get a mortgage and I saw the modification and have spoken with them and they have been horrible as far as sending me the proper paperwork. They know they made a mistake by doing the modification without my signature and it is holding be back from moving, etc.
XX/XX/XXXX I sent for a credit report. When I got the credit report it stated that my balance with Military Star Credit Card was {$6600.00}. Since I never charged anything around that date ( XXXX XXXX ) I was sent to the Military Star Fraud Dept. The fraud rep told me that he would be sending me copies of the transactions and I would be able to prove, with a signed photo ID, that the signature was not mine. That was the last I heard from Military Star. No mail. No calls. nothing. My son got very sick XX/XX/XXXX. I had much more to do than worry about Military Star. My son, age XXXX, lost his battle with XXXX in XXXX XXXX. In all my new credit reports I noticed that I had an outstanding balance with Military Star for {$6600.00}. It also said " account closed '' " no payment due ''. In XXXX of XXXX I called Military Star to ask about this posting on my credit report. They took the opportunity to update my contact info. I heard nothing from them. In XXXX of XXXX my credit scores drop by more than XXXX points. In checking my credit card I saw where Military Star had listed my account as 90 days overdo. Please keep in mind I had heard nothing from them. I called Military Star, sent to the fraud dept. where I was told to call my congressman and I was obligated to pay the outstanding balance of {$6800.00}. If I did not they would garnish my V.A. XXXX payments. I spoke to a XXXX XXXX XXXX ( head of the fraud dept. at Military Star ). He stated he would investigate my allegations and get back to me. Of course, he did n't. I waited several days after trying to contact XXXX XXXX and one of his assistants that XXXX XXXX had prepared but never sent to me. The assistant told me that XXXX XXXX had decided that my fraud claim was not valid and I had to pay the {$6800.00} that was charged fraudulently. No reason. No explanation. I then sent an e-mail to the fraud dept. stating I was XXXX, on a XXXX, the day the XXXX where made. From XXXX to XXXX XXXX XXXX did not try to communicate with me by any of the means they could have contacted me with. I tried XXXX XXXX and they too ignored me. Due to the late payment on my charge account in ( with Military Star XXXX XXXX XXXX ) I was listed as 90 days late on my payments. Again I was never told by Military Star that I owed this money ( no Billing statements, no phone calls. After I called Military Star I was informed that if I did n't make the payments my Veterans Comp would be garnished throuh my months deposit of my Veterasns Admin XXXX Comp. I paid what I could and transferred the balance to another credit card. No amount of reasoning with Military Star yielded a result. I was not aware of your services until yesterday. I hope the can get some positive result. My name is XXXX XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX, SS # XXXX. I am a XXXX service W/connected info at I was would proceed I always contacted person.COULD with no certain outcome. # contact me at XXXX. Thank You XXXX XXXX
The problem I am having is that I have XXXX Georgia Department of Revenue state liens on my credit report with XXXX and the liens are not correct. The reference numbers for the liens are : XXXX and XXXX. Attached you will find a screenshot from the Department of Revenue Delinquent Taxpayer List and as you can see, I 'm not on it. You can see for yourself at the website by typing in my name : https : XXXX Thank you in advance for helping me get these removed from my credit report.
The terms of my student loan repayment were changed when Navient took over my student loans from XXXX XXXX. I was originally told that as a XXXX, I would be able to defer my loans as long as I remained a XXXX XXXX student. I am studying at the University XXXX pursuing my XXXX. At one point, I was charged the full principal of my loan, and was informed there was an error in the reporting of my full time status. Even though my University is a part of the XXXX that reports to Navient, they claimed I had not reported my full time status. I then had to go to the Registrar and get documentation proving my XXXX XXXX student status and wait for the information to be received and updated. This was very difficult trying to plan finances based on only a stipend from my role as XXXX XXXX. Recently I was informed that my XXXX I took out in 2009, was in full repayment. I had been paying the interest only on this loan, as I had been informed by XXXX XXXX it was not available for full deferment. This year ( my XXXX as a XXXX student ) I was informed the amount of months for my deferment was limited to XXXX, thus, I was required to pay the full principal and interest of my loan. This is different from what I was told by XXXX XXXX, and also by a manager at Navient. I had called to get this all explained to me, and I was told by a manager that since I was paying the interest and was not in full deferment, they should not of run concurrently, I was put on hold, and disconnected. When I called back, a different manager told me that my 48 months was up, and there was nothing I could do and was required to make full payments. I explained another manager had told me otherwise, and they did not look into this further. I looked up the promissory note from 2009 XXXX, and a deferment of 48 months is not listed. I was told by Navient, that when they took over the loans, some of the terms were changed in my loans.
In XXXX 2015 I opened a US Bank XXXX credit card with the zero percent balance transfer rate for 15 months. After the balance transfer and setting up automatic payments on the card I was charged interest every single month. I had to continually call to have the interest removed. Us Bank agreed it was their mistake and removed the charges as you can see from the attached file. The last three interest charges have not been removed, and when I call back they refuse to remove them, or one agent just hung up on me. I have my original card member agreement, and it states that I should get the rate as promised. This has been a terrible experience, and I am now forced to pay off the balance as of this date to avoid being overcharged every month in the future since US Bank has failed to honor their banking advertisement The charges are XXXX {$82.00} XXXX {$77.00} XXXX {$77.00} Us Bank stated that although I set up automatic payments, that they failed to credit the first payment on time. Once the first automatic payment has failed, they then begin charging interest in violation of the agreement. It appears that the failure of Us Bank automatic payments system is standard operating procedure to defraud people, and allow them to not honor the zero percent interest agreement. 

I filed a complaint with the better business bureau, and Us Bank did not address the failure of the automatic payment system, but instead attempted to put the blame on my by saying it went to collections, which of course was not the case. 

Enclosed is the original credit card agreement where they promised zero interest and failed to deliver as written. 

I was never late in paying them. I am never late in paying any credit card.
XX/XX/2016 we closed a checking account at XXXX XXXX, XXXX, Pa. They charge {$10.00} to close, which we were not awaare of. Every notice unanswered cost us {$39.00} plus {$6.00} a day.t With penalties we now owe {$270.00}.! All our mail was forwarded but the USPO does not forward Bank mail. We did not know this, but I think the Bank must know it. We have excellent credit, and are very concerned about this. Please help..
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX DOB : XXXX/XXXX/1968 Credit Reporting Letter According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXX Unverified Account Please remove all non-account holding Inquiries over 30 days old. 
Please add Promotional Suppression to my credit file. 

Thank You XXXX XXXX
* My reports continue to incorrectly show me XXXX past due in XXXX XXXX and they will not correct. 
* My XXXX report also incorrectly shows me XXXX past due in XXXX XXXX and XXXX XXXX but I do not have bank records that old to prove. 
* My XXXX report continues to show unauthorized hard FIA hard inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they will not remove. 
* Attaching letter dated XXXX/XXXX/XXXX requesting correction of these items including supporting documents. 
* As of XXXX/XXXX/XXXX, I have not received a response to my XXXX/XXXX/XXXX letter. 
* Finally, this account is reported as a " Flexible Spending Credit Card '' on all reports when it is a simple credit card. 
* REQUEST : Please help me get these items corrected or removed from my credit reports.
Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX EXPERIAN XXXX XXXX Re : Acct # UNKNOWN BALANCES ON BOTH CLOSED ACCOUNTS ARE $ XXXX/ {$6000.00} To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I HAVE LATE PAYMENTS ON MY CLOSED XXXX XXXX STUDENT LOANS This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC :  Attorney General 's Office CC : XXXX XXXX XXXX
On XXXX/XXXX/2017 I checked my credit score and report and noticed that there was to accounts for medical bills that I did n't know about, I called the hospital and they told me to contact account and billing department I did that and I told them that I never received any medical attention or treatment. One is for {$820.00} and the other is for {$65.00}. Both are from the same place I then disputed the collection with the credit bureaus and within a few weeks they were taken off my credit report. Then my credit score went up and I thought it was taken care of and was going to be getting my credit score better, but today I got a email stating that a different collector is being used to try and collect money from me that I do n't own.
X/XX/17 I went to a car dealership to try and purchase a vehicle. After viewing my score on XXXX XXXX. The dealership pulled my Transunion score and it was 100 points different. Needless to say they declined me. I ordered my report direct from Transunion and it read XXXX different from the dealership XXXX. I then called Transunion and spoke to 2 customer service representatives and a manager who all said the dealership was pulling a different scoring model. And they had no control over that. I asked the dealership which model they pulled. Fico is what they pulled and Transunion said I was getting XXXX on a XXXX. I called Transunion back to ask how do I see my Fico report to make sure the information was mine and understand why my score is so low. Transunion representative said they only have the XXXX report. I can not believe I have no way of challenging this erroneous low score. This is dispare treatment.
Retaliatory conduct must be celebrated amongst credit collection agencies and credit bureaus, because here we go again ... A said XXXX agency has been contacting me but could never articulate the purpose for their call. The agents actually stated each time they called that they could n't find any information for me under my name or telephone, and that only a direct call system was processing the call. What is wrong with commerce today? So as it were, I filed a complaint against this company for harassing calls and markedly having no information to even justify their calls. They responded to the CFPB complaint and stated again ( exactly what I 've stated ) that they had no information to verify or connect me with any particular account and now claimed to have several accounts associated with a business name, XXXX XXXX XXXX. They still did not upload any documents to give record of any purported debt for me or the corporation. I disputed their response and spoke directly to the absurdity of the same. I just received a notification on today that a collection account for {$320.00} from XXXX has been reported by XXXX XXXX to evidently all XXXX bureaus. I guess this is the next logical step for a tortfeasor who has absolutely no regard for the FCRA or any law or ethics. Is this the trick? A person establishes near excellent credit and then purported collectors come out of the wood work to harass customers who have relieved themselves of " would-be bad credit '' status ... it 's like kindergarten for commerce ... I tell you directly as well in the regard of any said XXXX debt ... they should probably revisit this reporting of delinquency because I 've been with XXXX Insurance for quite some time, and quite frankly XXXX refused to extend me full coverage for my vehicle, which is required because I have financing ... so this is really not the road best for them to pursue.
Recently I fell behind in my mortgage payments XXXX XXXX XXXX XXXX XXXX but Fay Servicing sent me a letter stating that I am XXXX months behind and bc I am in bankruptcy XXXX XXXX XXXX XXXX the automatic stay will be lifted if back payments are not paid in full by XXXX/XXXX/XXXX in the amount of XXXX  money I do not have nor do I owe as much this last year has been difficult for me due to unexpected expenses out of my control also losing time off my job. I can afford to pay my mortgage and I want my home. I am now seeking a loan Modification from Fay Servicing. It seems as though they anxiously want to foreclose on my home and that is their only goal. So unfair.
I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the account. When the balance was at XXXX, I switched to my new checking account and closed the Citizens bank checking account. Unbeknownst to me, the account remained open and there was a line of credit attached to it. When one of my creditors submitted a final automatic payment, the overdraft line of credit was accessed in the amount of {$20.00}. I did not have notice of this event and had no idea that I had a line of credit or that I now owed Citizens {$20.00} on that line of credit. Months later, I have found on my credit report that I am delinquent. When I contacted Citizens to inquire I was advised that I must pay {$190.00} due to late fees and interest. I offered to make the payment online and close the account, but I was informed that the only way to do so was to come into a local branch. Because I was no longer in the area, my elderly father went to the branch to pay the account and resolve the credit report issue. Citizens accepted the payment but stated they could not expunge the derogatory entry on my credit report. This was unfair and deceptive as I was led to believe this matter would be corrected upon payment. Moreover, since I had no notice of the line of credit access or that I had a balance, Citizens bank accrued charges to my detriment in excess of {$160.00}.
On XXXX XXXX, 2016, I checked my credit on XXXX XXXX and had a total of XXXX hard Inquiries removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX Hard Inquiries were placed back on my report without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and have received no help. When I ask to be transferred to an American representative, no one will transfer me. Several agents have been belligerent, that they know what happened, but it 's basically too bad and I should simply file a complaint because they will not fix it.
I have funds in my Paypal account. Suddenly, Paypal limited my account and I am no longer able to access my own funds.
I believe they over charge on my bill statement ... I pay every month but they still charge me for late charge ... I paid extra for my insurance every month but now they still bill me .... 
My payment used to $ XXXX/month ... .now I have to paid $ XXXX/month just for extra insurance, but i 'm ok with that until now ..they just sent me a note of default and intent to accelerate {$2100.00} have to due before XXXX XXXX 2016 .... I do n't know what that for?
I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report