WillisBack/dataset-financial-user-claim huggingface dataset:
I went to University of XXXX in XXXX, Texas. I applied for a student loan in XX/XX/XXXX to help with my finances for school. As years past, it was time to repay the loan. I paid a few payments due to my financial situation. Now, in XX/XX/XXXX National Collegiate Student Loan Trust XXXX filed a lawsuit against me and my co signer. The loan over 4 year old and I notice the information on my credit report was reported incorrectly. When my court date came I told the plaintiff about it and the court date was rescheduled. I 've called this company before my court date and no response. I disputed the information and it was deleted and returned to the original creditor. I would normally received a notice prior to the court date but that did not happen. This is a pain. Today, I received a outdated letter stating " Final Judgement in favor of Plaintiff ''.
The company  Commonwealth Financial  ;   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , PA  XXXX  has listed  six  collections in the amount of : {$92.00} ; {$270.00} ; {$470.00} ; {$210.00} ; {$210.00} ; {$210.00} on my credit report. Please be advised that I am disputing these collections due to the fact that  Commonwealth Financial  does not currently have a valid license in Florida to collect on debts. This is information, according to the Florida  Office of Financial Regulation ;   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . It states that their license is " REVOKED/VOIDED.
This is in response to my last complaint and XXXX XXXX XXXX Consumer and Government Affairs Seterus, Inc. response. We filed for chapter XXXX bankruptcy in XXXX of XXXX. My attorney XXXX XXXX XXXX XXXX was added to my Seterus account in XXXX ofXX/XX/XXXX. I applied for a modification in XXXX of XXXX. A trial offer was sent out for us to begin trial payments in XXXX of XXXX we completed the three payments which you indicate in your letter. We never received a permanent modification until XXXX of XXXX now our attorney was added to our account. If Seterus had processed the finalized modification in a timely matter by XXXX or XXXX of XXXX, We would have been current on our payments and it would not have been part of the bankruptcy proceeding. Seteruss inability to process the modification in a timely manner caused our home to go into foreclosure proceeding and increase the mortgage amount that we currently owe. It should not take 8 months for a mortification to become permanent after the trial payments have been made.
I 'm in the process of trying to get validation of an item on my credit report. I 've disputed this item with the collection agency along with credit bureau and no documentation was provided. I was never provided any documentation validating the debt ( signed application ). I have attached my documentation requesting proof/validation that I sent to them and have yet to receive. I 've attached all the communications I 've forward to the collection agency, and credit bureau. 

The item in question is the following : PORTFOLIO RECOVERYXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX : {$1100.00}
Citi Bank had a {$400.00} checking promotion for keeping {$15000.00} in an account for 30 days. Around XXXX/XXXX/16 I opened an account with them and sent {$15000.00} for deposit. They sent an email that went to my junk mail requiring more information. Since I did not receive it, or any other contact from them, they moved to close the account with no activity. Around XXXX/XXXX/16, I called them to see the status of the account. I was told it was closed, but reassured by the Citi representative that if I opened a new account, I was still eligible for the bonus. I did so, and fulfilled the bonus requirements. I contacted Citi in late XXXX to see where the bonus was, and they said they could not give me the bonus because I had an account opened within 60 days of the latest XXXX ( the XXXX that was automatically closed ), directly contradicting what I had heard from their own customer service representative very specifically telling me I was still eligible for the bonus. We went back and forth and they absolutely refused to honor what their employee had told me.
I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money. 
My first stop to freeze my credit score was with TransUnion. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a TransUnion customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising TransUnion. I then called 311 who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame. 
I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country Israel not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.
My husband received a letter from Mortgage Management offering him a {$280000.00} loan against my home. He is not on the title or loan on my home. So I called the XXXX phone number but no answer. Shortly after I received a call from XXXX Alabama regarding my attempt to contact them regarding this letter. I asked how they could be offering money against my property to anyone. Also how many more letters did they send out with my property address on it. The man assured me that it was not fraud. But it sure sound like that to me. I also called XXXX to be removed from their list. - No luck there as well.
The following inquiries are a result of identity theft. They have not been authorized by myself of anyone with my permission. 
I have an ongoing extended fraud alert and have not been contacted by any of these creditors to verify my application. 

1. XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  5. XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XX/XX/XXXX 6. XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX 7. XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX BYMAILONLY
At random, my husband was contacted about student loans from 2005. Allegedly, these are loans that are given to them by the Attorney General to collect on and that they will seize our tax returns and garnish wages unless we agree to some sort of consolidation loan. A representative from XXXX XXXX XXXX XXXX continues to contact us for a student loan that was not used. University of XXXX has no record of it being outstanding.
In roughly XXXX I was having problems making the increased payment amount of my private student loan serviced by American Education Services. I contacted them on multiple occassions to request assistance to modify my loan so that I could manage the payment. I was repeatedly told I had exhausted all options. So even though I was making payments, I was not making the " increased payment '' and would get charged late fees. At this point I accrued about {$800.00} is late charges even though I was consistent on my payments. 
I contacted a debt counseling services in late XXXX. They have been making payments to American Education Services since XXXX/XXXX/XXXX. The payment is paid automatically at the same time each month. I have personally managed to pay off the late charges and bring my account current. I made that payment in XXXX of this year. So I was feeling confident, and getting things handled. 
American Education Services has STILL emailed/called me in XXXX of this year saying that my payment has not been received. I emailed them the check number and date it cleared thier account. Now again for my XXXX payment, they email me AGAIN to tell me this check has not been received. So AGAIN I contact the debt consolidation company and they provide me the the check number and the date it cleared the American Education Services bank. So American Education Services is infact recieveing my payments and not applying them correctly. Two months in a row. 
Today XXXX/XXXX/XXXX, after I have already emailed them with the check information AND a list showing ALL payments made since XXXX - they now want front and back copies of the check they say they do not have- but that cleared thier bank account. 
They have been getting these payments from the same source since XXXX and now all of the sudden, since I managed to pay off the late fees they say I accrued, I am yet late AGAIN?? 
How many months during the last almost 2 years have they been " misplacing '' my payments and charging me these late fees, and then telling me they can not help me or offer me any alternatives even when I have been consistent on my payments? I sense very unethical business practices. Nothing new with the payments has occured, but now I am late - yet again - at least until they " find '' my payment, that they already have. 
I would like an investigation into this matter and any assitance you can provide. Perhaps being able to change lenders? Are there any new reform acts for students loans that I qualify for? I am TRYING to pay my debts. I am not asking that they be wiped out, but I think I am the victim of very unfair business practices.
I pay extra on my student loans every month because I want them paid off as soon as possible. I also make sure to check the box saying I do not want them to move forward my payment date but without fail every month some of my loans will randomly say that I owe {$0.00} for the month. If I set up auto pay and I miss it then nothing is paid on these loans and the interest builds for an extra month without me making a payment on the loans. I have tried to make the payments multiple ways and still I get these loans that say I owe {$0.00} so nothing is paid toward it but the interest grows for that month. I have called multiple times asking about this and all they do is apologize and one lady told me that it was a website issue that is currently being worked on. That was months ago. I just want to pay off my loans as quickly as possible and I feel like Navient is doing everything in their power to make sure I pay them as slowly as possible so they collect more in interest on all my loans. I got myself into debt and I am responsible to get myself out but I truly believe this company is screwing me and others daily laughing all the way to the bank
Please reference my previous CFBP complaint # XXXX regarding Lending Club reporting my XX/XX/XXXX payment late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report. After correcting their latest attempt at reporting me late, they just did it again today, XX/XX/XXXX, for the 5th time, this time on my XXXX report.

I submitted email evidence with my previous complaint from Lending Club confirming that they corrected the previous 4 credit reporting errors.
The company has been harassing me with letters for about XXXX months, I have been requesting information and they have been slow in giving me the improper information. I have sent a letter in response to their claim on XXXX, XXXX. and XXXX. The alleged debt is from XXXX XXXX, 2015 and the New Jersey Statute of Limitation is XXXX XXXX XXXX XXXX years. XXXX XXXXXXXX XXXX. XXXX XXXX ) I asked them to remove this claim from their system and send a letter of conformation that you are not pursuing this invalid claim any further. But they still harass.
My credit report was involuntarily frozen by XXXX due to its security breach. I applied for a loan today with Ally Bank through XXXX XXXX, etc. in XXXX, AL ; however, Ally Bank wants to charge me 15 % interest with a XXXX credit score. Two years ago I was granted a 12 % interest auto loan with a credit score of around XXXX with XXXX XXXX XXXX. I was told by the finance manager of XXXX  that the reason Ally Bank charged this high interest rate is that my credit report had to be unlocked and that some finance companies penalizes consumers because of this. This is totally unfair to consumers. I did not place this freeze. XXXX  had to place this freeze due to a security breach. What is going on? Most auto interest rates in today 's market starts at or about 3.0 with an average credit score of 640-699.
i have sent XXXX certified letters to equifax asking them to verify and valadate the tax lien thats on my credit file. after they said they verified it i asked for a judgement or any proof. they havent sent me any proof neither have XXXX XXXX courthouse which i sent XXXX certified letters to. After speaking with the bureau letting them know i have never recieved anything from the irs stating that i owe this state debt and no one has sent me any verification it is only fair they remove it. they told me to go talk to someone at the court house. i explained i spoke with several people their and continue to get the run around. they told me the debt was paid and it will update on my file. i told them i didnt pay it and its not mine.
On XX/XX/XXXX2016, I was admitted into the hospital. I was there for about 6 months. During that time, someone stole my identity and made charges to my debit card. The actual charges were reimbursed, but the fees were not. I called the company concerning my credit card ( platinum Visa ) because my debit card was so easily accessed and I was concerned about my credit card also being accessed. I asked what they would suggest. The customer service representative from card services told me my best option was to close everything because I was still in the hospital and would be for some time. So I agreed to close the card. There was nothing said about the cash rewards that I earned up to that point ; when I asked about them after getting out of the hospital, I was told that they were lost because the card had been closed. Later, I read in the bylaws that I should not have lost those rewards. In addition, since coming out of the hospital, I applied to reopen the credit card account and I was denied because they claim that the bylaws had been changed. They did not offer another card and I was also denied a new account even though I had paid all of my monthly bills in full and their own records show that I owed a {$0.00} balance when the card was closed. In addition, during the time that I was in the hospital, they charged late fees and other fees to my credit card, even though they were aware that I was in the hospital. For part of the time I was in the hospital I was in a XXXX and my counselor called them to inform them of where I was and that I was XXXX. After I regained XXXX, I asked my counselor to contact XXXX XXXX, the manager at the XXXX XXXX branch, and inform her of what was happening and ask that they ensure that all activities, including charges for fees, cease while I remained in the hospital and could not physically handle my business. After I got out of the hospital, I immediately began contacting the bank and discovered they had not done anything to be of assistance to me while I was hospitalized. In addition to that, their lack of compassion regarding these issues was inexcusable
While attempting to get approval for a loan to purchase a home, it was brought to my attention that there was a fraudulent collection on my credit report -- an apartment had been rented in my name in XXXX XXXX and reported to collections in XXXX XXXX in the amount of {$910.00}. On XX/XX/XXXX, I contacted XXXX via email, as well as, via phone call to begin the process of disputing the fraudulent collection claim. In addition, I reached out the apartment complex -- XXXX XXXX Apartments -- and expressed my concern regarding a fraudulent collection that had been reported in my name. The manager at the apartment complex invested the claim and told me that my name had not been reported by the apartment complex. On Monday, XXXX XXXX, XXXX, I filed an Identity Theft Report with the Federal Trade Commission. 

On XXXX XXXX, XXXX, I contacted XXXX to inquire about the status of my dispute. I was told that the dispute was still under investigation and that the reporting agency ( ProCollect ) maintained that I was the individual who had been reported by the apartment complex. I contacted ProCollect twice on XXXX XXXX and was told both times that my name and social were not in their database. The account number associated with the collection -- that was listed on my credit report -- -was in their database associated with someone else 's name and social security number. ProCollect vehemently denied reporting my name to XXXX because they had no record of me in their database. I contacted XXXX again on XXXX XXXX and shared this information with them. An XXXX supervisor insisted that ProCollect had denied the dispute on XXXX XXXX because they maintained that my name was associated with the account number. 

Neither agency is accepting responsibility for the fraudulent reporting of the collection on my credit report. I did not rent an apartment from XXXX XXXX in XXXX nor XXXX. If ProCollect has the account number that was reported listed for someone else, XXXX  shouldn't have placed the collection on my credit report. It is a fraudulent report and constitutes identity theft.
I have contacted both XXXX, Experian and XXXX about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted XXXX they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both XXXX, Experian and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, Experian and XXXX my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX
Multiple dispute attempts have been made to XXXX and Equifax to delete information this is not mine off my reports.
I have been trying since XX/XX/XXXX to get Equifax to remove inaccurate data from my credit file. They are reporting inaccurate and duplicate student loans on my credit file. Loans that have been paid in full are reported with derogatory information. Exhibit 1 - XXXX clearly show only XXXX loans fromXX/XX/XXXX to XX/XX/XXXX ( one loan per semester ) that amount to no more than {$60000.00}, yet, they are reporting more than 34 loans with derogatory statuses that amount to over {$100000.00}. Furthermore, the payment statuses, loan amounts, and historical information do not accurate report what is in the XXXX XXXX XXXX XXXX XXXX ( XXXX ).
CHOICE RECOVERY XXXX. XXXX this account is a XXXX XXXX violation please delete.I have a a unverified account from CHOICE RECOVERY XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY XXXX and I believe it is a XXXX XXXX violation. I request that CHOICE RECOVERY XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
I am being sued by company name XXXX XXXX XXXX and they are going to start garnishing my wages. I have contacted them multiple times advising this is not my debt and I was a victim of identity theft, however they have not done anything. I called them on XX/XX/XXXX trying to resolve this matter but nobody helped, then called on XX/XX/XXXX and I was told to call back on XX/XX/XXXX. During my conversation on XX/XX/XXXX lady told me that she can't help me and they are going to garnish my wages. I tried to explain her that this not my debt and I am a victim of identity theft but she didn't care to hear me out. I need to make sure someone from your agency contacts them and have them stop this process.