WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 Everest Inc contacted my husband about an ATV loan. In the beginning of the call the 1st representative asked personal questions but refused to tell him the nature of the call. She wanted specific detailed info about our son who cosigned the loan. After getting frustrated with the woman my husband gave the phone to me. She finally said who she was calling for an why. She said the amount due given to them from XXXX was over {$9000.00}. I explained that that couldnt be correct because we put a significant down payment on the atv and financed around {$10000.00}. They were showing only a few payments made when in fact we have paid over {$3500.00} this year to a different collection agency. They accused me of lying because I couldnt provide the exact details over the phone. She then put her supervisor on the phone and his name was XXXX. He explained to me that this was the correct amount and nothing I said to him made him willing to open a dispute. He refused to send us any documents they have showing the balance and payments and wanted me to provide proof right then and there that we had paid more on the account. He also threatened us with legal action if we didnt pay {$5000.00} today. We arent in a position to do that and offered to pay {$200.00} over the next few months until XXXX when we could pay the loan off. He refused to entertain that notion and instructed me that I could not call the orig ial creditor for this account anymore. He was verbally abusive and threatening and tried collecting an incorrect amount under duress. We have bank statements showing what we have paid and the account should be around {$6500.00}. They have called my sons hundreds of times and threatened him to be arrested if he didnt pay and they have called my husbands phone 100s of times while he is at work. No amount of telling them to stop will work and when you do they threaten you with arrest or legal action.
XXXX reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with XXXX since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to XXXX regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to XXXX advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
At first contact from " Delmarva Collections '' in XX/XX/XXXX, I instructed this company : to NOT contact me again, since this " DEBT '', is not mine. Check their " RECORDINGS '' of our conservation on this matter. 
Another one ( 1 ) ring phone call occurred in XX/XX/XXXX. 
Today, XX/XX/XXXX, @ XXXX, the second phone call on the year occurred. From XXXX
I have multiple loans thru Navient ( previously XXXX XXXX ), I 've tried working with them about payments but they will not budge they want more than I can afford, now I think they are going to try to garnish my wages without a court order
XXXX XXXX XXXX has reported wrong to the credit bureau regarding payments on XXXX of 2013. The XXXX XXXX as well as all the credit bureaus have inaccurately messed up my credit record. This is more than the XXXX time of having them correct this. Statements attached will show that the payments were made on time
Have spoke with XXXX on several occasions, this bill occurred after equipment was returned to XXXX
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXEquifax XXXX XXXX XXXX XXXX, XXXX XXXX report # XXXX recently submitted a request for investigation of an Acct Number : XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # : XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I own a small incorporated business XXXX XXXX XXXX XXXX ( state of MA ) and the credit reporting bureaus Equifax XXXX XXXX XXXX are reporting my business as being under a parent company XXXX XXXX XXXX  XXXX ( state of MA ) which is a totally separate business and entity - I cant set up accounts under my own company due to another company being listed as the parent company. I have a copy of Equifax credit report showing this.
I contacted Wells Fargo Bank on XX/XX/XXXX when I noticed unauthorized activity on my account dating all the way back to XX/XX/XXXX. I filed 2 different claims bc of the length of time the fraud began. The claims numbers are XXXX and XXXX. I was told due to Reg E that the claim ending in XXXX would take up to 90 days to get processed. I was then told the claim ending in XXXX would be processed differently as the charges occurred within 60 days and a provisional credit would be issued. The provisional credit was not issued within the 48 hours that they said it would be. I spoke to several different reps on Friday, Monday and Tuesday trying to get this resolved. I keep getting the run around. They are now saying the cases are being merged together. That provisional credit will not be issued. This is causing a financial hardship for me and my family. I have XXXX small children who have XXXX XXXX.
On XX/XX/XXXX & XX/XX/XXXX, I was coaxed into signing XXXX in the amounts : {$5000.00} and {$9800.00} respectively. These ( XXXX ) student loans had an interest rate of 14.5 %. Repayment began the same day funds were disbursed directly to XXXX located in XXXX, NC. 
Between XX/XX/XXXX and XX/XX/XXXX, I made monthly payments totaling {$10000.00}. However, the initial balance increased over a 5-year period. I reluctantly transferred the ( XXXX ) XXXX in the amount of {$16000.00} to my credit cards.
I 've cotacted this company on XX/XX/XXXX and spoke with XXXX to inform her that I had credit inquires on my report that were no authorized by me. she told me to contact the companies I 've sent certified letters its been over 60 days and I have n't heard any information. she told me to contact them again. and I explained to her that these were unauthorized she was no help at all. I 've spoke with about 7 other assoicated between XX/XX/XXXX-XX/XX/XXXX and got no help. 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX +
I was issued a payday loan with Advance America, of {$1000.00} with the APR of 137.37 % and a Finance Charge of {$130.00}. I have had a loan with AA off and on since XX/XX/XXXX. For the past few months when I would re-loan, I would inquire if there was any arrangements that I could make with them due to my being financially incapable of continuing the payday nightmare, I was reassured each time that nothing was available and the only option I had was to just pay the loan as agreed. During XX/XX/XXXX, when paying at the time XXXX or XXXX payday loans became utterly impossible, I begin to read the customer agreement statements to investigate if I could find other lawful options that would assist me in paying the overwhelming debt. I noticed that Advance America was licensed under the " Small Loan Act '' which meant that under the SLA in Ohio a Customer is only allotted a max of {$500.00} ( according to research information ), however, my loan was for over {$1000.00} and/or a customer could not be charged over XXXX % of their income, in which both of these laws were not being enforced, if in fact this was true. I attempted to pay this loan in full, however, financial difficulties made it impossible. At this point I have been working with a Government appointed Financial Coach from CFPB put in place to assist Military Veterans with Financial dilemmas, we are reviewing what my options are as of XX/XX/XXXX. My loan is in default and will remain as such until a reasonable solution is reached.
XX/XX/2018 Signed online for XXXX XXXX XXXX Credit Card. Amex new welcome offer {$0.00} Balance Transfer Fee Offer, No Annual Fee, and 0 % intro APR on purchases and balance transfers for 15 months. Made two transfers ( 1 ) {$2300.00} ( 2 ) {$3200.00}. On XX/XX/2018 we were charged For ( 1 ) Balance Transfer Fee {$69.00} and for ( 2 ) Balance Transfer Fee {$98.00}. Our first Statement Due Date was XX/XX/2018. Account Summary showed Fees of {$160.00} which we were not suppose to be charged. 
XX/XX/2018 : XXXX Talked to XXXX. She gave us a case # XXXX and would check into. XX/XX/2018 talked to XXXX again, she said still checking on this. XX/XX/2018 XXXX Talked to XXXX saying my case was closed. He tells us the case will be reopened under same Case #. XX/XX/2018 Called again, talked to XXXX on XXXX Said case closed again with reason we owe Balance Transfer Fees. HELP! American Express gave us run around for months with no help. I would not have gotten card if had known there was a transfer fee.
On XXXX XXXX, XX/XX/2015 I sent 300.00 to the incorrect credit card company Southwest Credit Card through money gram. I already faxed the company a letter stating I did n't have an account with them and I was wanting my money refunded so I can properly pay my debt that I owe to another company.
On XX/XX/2018 Hunter Warfield a collection agency called my mom who is a co signer for a leased apartment about a debt that I owe them. They violated several articles of the Federal Debt Collection Practices Act ( FDCPA ).

1. They called a house number that was never given to them and spoke to my moms estranged husband ( third party ) and the gave him personal information about this debt. His name is no where on the account and has not been given permission by my mom or myself to discuss this account as they are separated.

2. I've already set up an agreement for payment to the account and asked them to no longer call my mom on this account. My mom is elderly and they called her with threats and scare tactics in order to get a full payment out of her at that moment.

3. They threaten they would put a lease on her house which she no longer lives in because she is estranged from her husband 4. They told her she will never be able to lease or get another place to stay.

5. They told her interest and fees where being added daily and that the longer its not paid that it will cost more. And that the debt is edging up towards {$6000.00} ( false I was told {$5600.00} ) FDCPA clearly states that a collector can not misrepresent the amount. And that they can not add interest or fees not added in the original agreement. I signed a lease with a apartment complex not with Hunter warfield.

They used abusive language towards my mom trying to scare her into giving up her money and use the threat of taking a lien on her house to scare her even more.
CitiMortgage " Dual-Tracking '' activities left me with ruined credit for the last 6 years after I was approved for a mortgage modification by them while they slyly commenced foreclosure activities simultaneously during the modification application period from XXXX 2009 to XXXX 2009. This dual-tracking defeats the purpose of a modification if they were going to commence foreclosure just the same. It smacks of fraud and protects their investment at the cost of consumer creditworthiness and home-ownership.
I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 
I am challenging them for COMPLIANCE with the XXXX submission process as well as the FCRA
Ocwen consistantly provides inacurate information regarding payment amounts. We have been denied credit due to the the negative information on our credit report. I have been trying to get this revolved for 1 1/2 years. The State Department and the State attorneys office have both told me to retain a lawyer. I would but I do not have the funds available to do that..
My previous complaint : XXXX - was NEVER addressed! Just passed through. I STILL can not access my credit reports/score. I can not get anyone from this XXXX bureau to answer or respond. I can not refinance my house or anything, because companies can not pull XXXX! This is Ridiculous!! I DEMAND a FULL REPORT and SCORE be sent - and not an old one either. I DEMAND whatever freeze XXXX they have placed, be removed IMMEDIATELY! 

I am a HUGE victim of fraud. I have Fraud alerts on all bureaus, and now XXXX is trying to mess with me. I have filed several complaints through CFPB ( absolutely no help ), and disputed several times in the past. Now, my file is within the " special needs '' department and I can not reach a live person, EVER! I can not access my reports through their portal, but yet, i am still being charged {$19.00} monthly. I am needing a home loan, and I can not access my report!! I have no access, can not receive a copy of my credit report, my score - NOTHING! Why? All because I disputed almost EVERYTHING on my last report back in XXXX 2017, and reported them several times to the CFPB. PUNITIVE! XXXX has always had the wrong information for me, old addresses, old information on my credit cards ( over 6 months, on most cases ) AND their outsourced agents are the worst! Can not understand them and they can not help me at all. I have submitted copies of my CDL, social security card and anything else they have requested, no response, no help! Funny part is, they continue to send me emails with BOGUS inquiries on my credit file!! My file is supposedly not available, so how can I be incurring inquiries???? CFPB needs to get off their XXXX, and do what they claim to be about. We, the public, are at the mercy of these crooks! All 3 Credit Bureaus are crooks and hold us all hostage.
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 in 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, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I am requesting that the following account be verified or removed immediately. 

Federal District Date Filed XX/XX/2016 Type Bankruptcy chapter XXXX-discharged Reference XXXX Plaintiff
Without notice bank accts I had my name on but not set up by me were emptied by " Legal Notice '' ( # XXXX ) - {$5400.00} from one and {$210.00} from the other on XX/XX/18 ( yesterday ). The Bank tells me Cooling and Winter LLC,  XXXX Ga. got a judge to grant this apparent order to seize this money. I never heard of them .I do remember a co that harassed me yrs ago name XXXX XXXX XXXX XXXX XXXX GA ( the phone # is the same XXXX ) Who rep themselves as atty but are debt collectors ... ... 

https : //www.consumerfinance.govXXXX they are notorious for these abuses.You all know already. 


the debt is 10 yrs old .The original lenders closed out the default cards. There is supposed to be a statute of limitations I understand. how are judges signing off on this activity for a co that maneuvers like this ( Changing Names )? Dont I have rights too? 
I want to add the bank to complaint as well .Its not rt to authorize a liquidation of accts with other folks ' name on them to collect a over 10 yr old closed debt ... without any notification! Its criminal.
I have completed a bankruptcy protection in XXXX 2015 and I have paperwork showing that the bankruptcy was approved. I have been getting calls from some company called " Focus Receivables Management ''. I have asked to speak to someone about it but I just get sent to a voicemail for XXXX. No one will tell the what the account is for just mumbling about an attempt to collect a debt. I keep telling them that I have completed a bankruptcy and I still keep getting called to tell me to call them back and I keep getting a voicemail. I am so done with this, I am tired of dealing with ignorant people who do n't know anything about the debt and want me to pay. Not so, I 'm not old and senile to pay anyone who says I owe them something. They need to get band from doing busy in America, this is ridiculous calling me at night and in the morning hours. I do n't owe anyone anything, everything was cleared in bankruptcy. I know if they 're calling me they 're calling other people as well and doing the same thing.
Rash and Curtis had multiple accounts totalling {$2800.00} for my daughters XXXX XXXX. I had to work with insurance for several months to get this resolved but the totals were paid and yet this company has agreed to remove this from their records and remove from credit report, however, I applied for a mortgage and this has caused my score to drop XXXX points.
I first started with country wide and was in the negative arm loan. Then was sold to XXXX XXXX XXXX and i fell behind in payments. In XXXX XXXX XXXX XXXX had to offer me loan modification due to the mortgage debt settlement. They offerred me a trial modification then after i sent first payment they sold my loan to nationstar in attempt to wipe their hands clean and not have to comply with the settlement. 

My XXXX XXXX XXXX loan was transferred to Nationstar on XXXX XXXX after I agreed to a modification. I tried to send a payment to nationstar but my it wasnt accepted and in fact the payment I sent XXXX XXXX XXXX was returned. I called several months asking when can i make a payment and was told to wait until they receive documents from XXXX XXXX XXXX. On XXXX and XXXX XXXX, i received loan documents from nationstar that had a XXXX payment balloon of over XXXX. I told them this not same loan as XXXX XXXX XXXX, please let me know why theres a balloon payment before I sign this modification. Till this day, I have n't gotten an answer. I have contacted Nation star every single month. Then I get a notice of default so I gave in and they sent modification documentation. I agreed and they open a case for mod in XXXX XXXX. I 've been trying to send over modification documents to nation stars and now they are saying that the investor will not allow me to modify. In addition, they gave me a number for point of contact, XXXX XXXX who never calls me back or work on my case. All I want is fair treatment and for them to honor the XXXX XXXX XXXX loan documentation without balloon payment. If not, then at least give me opportunity to apply for XXXX program since they offered it to me. I also sent over my XXXX XXXX discharge papers from XXXX and asking to see if I was qualified for SCRA benefits and I never got response.
I called today XX/XX/XXXX XXXX PT ... the Transunion in Pennsylvania , spoke to a representative named XXXX and i politely asked that they may remove XXXX inquiries from my credit report as i fell victim to their inquiry error ... Removing and reinserting information on a credit file is by section 611 fcra laws illegal without notification within 5 days of reinserting. There were plenty of inquiries that were recently removed XX/XX/2016 and essentially put back on immediately without my acknowledgement which in turn later just expired due to the 2yrs statute, yet there was recently another glitch error that removed and reinserted my inquiries just last week. ALSO a XXXX sheet just got mailed to me stating i applied for some loan with them under Transunion 's reporting, although not showing on my report as of today, i do n't recall ever associating with them at all. I have the sheet attatched. Dont tell me to contact creditors because i 'm not portraying all these to be unauthorized, but this is a error on TU end. Company courtesy, I need these current inquiries off immediately and permanently this time. Inquiries : Screening Pros XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX
Transunion is listing account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.
On XXXX/XXXX/2016, I sent Equifax a dispute regarding XXXX XXXX account # XXXX XXXX XXXX XXXX, along with documentation showing a judgment in my favor on that account ( See Equifax Dispute XXXX, XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. '' Equifax failed to delete the inaccurate account information. ( See Equifax Response XXXX ). 
I sent a second dispute on XXXX/XXXX/2016 ( See Equifax Dispute XXXX ). In its XXXX/XXXX/2016 response, Equifax stated, " We have researched the credit account. Account # - XXXX The results are : We verified that this item belongs to you. ( See Equifax Response XXXX ). 

Equifax failed to provide any details or documentation of its communication with XXXX XXXX or of any independent investigation. Additionally, Equifax failed to explain what information it is relying to " verify '' the account contrary to a court order of judgment in my favor. I would note that XXXX responded to the same dispute by immediately and properly removing the account from my credit file.