WillisBack/dataset-financial-user-claim huggingface dataset:
I was never informed of this debt, nor do I have any knowledge of this account. This is reported on my credit to all 3 credit reporting agencies and is negatively affecting my credit. I was never sent anything in the mail, and when I disputed they still are fighting the validity of the debt however was never afforded the opportunity to challenge this account. 

I have contacted the company multiple times, and they do not give me any help, stating they sent something but it was not to a current address. This item should be removed off my credit report as I have no knowledge of this account and was not given the opportunity to dispute the account.
Creditor has called my office number multiple times, each time I answered the phone with the company name and they hang up. Last calls logged were XXXX at XXXX & XXXX/XXXX/XXXX at XXXX Calls were from XXXX XXXX In the last phone call, XXXX/XXXX/XXXX at XXXX EST I advised the law firm that they had called my work, and asked what the call was in reference to, as it originated from a law firm. They would not advise the nature but requested I verify whom i was with Social Security number and home address. As this was a cold call, i refused. After a couple minutes of arguing I gave my city and zip followed by my the month and year of birth. 

The law firm still would not advise what the call was in regards to and continued to push me for further personnel information. I refused and after three minutes of back and forth, the law firm advised it was in regards to a company, that I do not own, under someone with a similar name. They then proceeded to push me for personnel information on another person. I refused, and continued to refuse each request. 

I am appalled by the predatory practices utilized by this law firm, the fact that they continued to call my office, and that they try to request additional personnel information even after my zip code and year of birth did not match whom they were looking for. How can this be a legal practice as it is predatory collections if not phishing scam. 

The reason the number is listed is that I work sales and if you google my name it comes up as a work number.
I took a {$500.00} personal loan with a company called Insta Loan. I 've made payments of {$120.00} per month for over 4 months to Insta loan which mean i covered more than the loan amount. Each time i meet with them at the office to make a payment they told me they were updating my information, which false. It was false because i recently found out that they were reapplying for a loan each time i made a payment. When i looked at my balance it never decreased it only increased each time i made a payment. Then i checked my credit report and they applied XXXX loans of {$600.00} on my credit. I spoke to a man named XXXX in the office and he told me that these kinds of loans are not set up for you to get out of, and that i 'll be making endless payments for years.
I work with two companies why is my credit score only going up XXXX point, I am a client of XXXX XXXX and XXXX XXXX, are the credit bureaus receiving the proper reports and updating it in their system. One company went up XXXX point, that leaves me very concerned.
In XX/XX/XXXX, my ex-husband and I consolidated our student loans and I was designated the primary loan holder. In XX/XX/XXXX, I divorced my ex-husband and asked Nelnet, our student loan servicer to separate the loans. I was told that the loans were inseperable and that I was responsible for the the entire amount because the consolidation contract superceded any other legal documents. In XX/XX/XXXX, I applied for dismissal of my student loans based on my XXXX XXXX XXXX XXXX. I was told by the loan servicer at that time that the loans could not be separated, so I would have to file for the entire amount and then be responsible for the taxes on the loans forgiven to the IRS. I recieved a letter showing that the dismissal was granted in the entire amount, pending a three-year watch period. The the following month-XX/XX/XXXX, I started recieving bills for my ex-husband 's portions of the loans. Thus the nightmare began. I have recieved phone calls, letters, and have had my credit ruined by Nelnet because my ex-husband refuses to pay the loans. I have repeatedly asked over the phone what the monetary amount was forgiven, but at that point the caller usually stammers and tells me that they will find out and that I will recieve a letter in the mail -- none have arrived. I have also not recieved the official tax documents that I was told would be forthcoming. Nelnet has also reported an incorrect address to the big three credit report bureaus -- I live in Florida, the new address is for an appartment complex that I lived in from XX/XX/XXXX-XX/XX/XXXX, but the apartment number is incorrect. They have also asked my current husband over the phone to pay my ex-husband 's student loans. I am on Social Security XXXX and can not afford to pay these loans, but I am told that as a co-signed on my ex-husband 's student loans that I have no recourse. I am beyond exasperated with Nelnet.
I gradients Over ten years ago and I still have a balance of {$120000.00}. It 's awful and the amour seems to get higher and higher. I do n't even remember signing for this large amount of student loan debt. 
Help!
Credit card company stopped sending statements, claiming that they were sending 'paperless ' statements, none of which were ever received. There were no problems with the email system on my end. They were simply not sending statements. Eventually, I missed payments, since I had to check the website periodically to see if I owed anything. They reported the missed payments to the credit bureaus, claiming that the glitch was not their problem. This has directly effected my credit score and report.
I originally had a mortgage with XXXX, and requested a modification, after numerous conversations and requests for paperwork I was working with a specific person, we spoke daily, and suddenly I got a letter that my loan was then with Caliber, after sorting that all out, I had to begin the mod process all over again with them. I filled out the application and sent the documents they requested. shortly after I received a letter that the request was received and is being processed, after that almost daily and sometimes XXXX a day, I would receive letters from Caliber, some saying everything was received for my request for a mod and it is being processed and a date that I should hear back, the next letter would say that my request was received but some documents were missing and are needed and a different date of deadline would be on that letter, and then another letter after that stating al had been received it is being processed and yet another date of when I should hear something by. I had to call and sort it out, and was told correctly and sent what was if anything needed, and tat it was being processed and that I would received information in the mail regarding the next steps, the only thing, however tht I have ever received from them has been letters requesting more, already sent information, or a letter saying its all in and being processed, or a monthly statement. I have never received a mod decision, or my options, in XXXX actually 3 months after I spoke with them about the letter I had been receiving, I received a packet about my options because of missed mortgage payments and a modification application. I called in questioning this, and was told that they never received everything they requested and if I want to move forward that I needed to send in another application, as confused as I was, I sent in the application and all documents yet again, and received a letter stating it was being processed. since then I have received monthly statements from them, I received a letter from the attorney representing them about a publication notice, but never a thing from Caliber in regards to it, nor have I received anything from anyone explaining that any further. I then got a letter stating that XXXX Bank XXXX was now the servicer of the mortgage, just as I had received when XXXX sold to Caliber, that was In XXXX, and since then I have been waiting to receive information to resume or bein the mod yet again with XXXX Bank. I have never been set a decision or options for a modification, I have sent it any and all information regardless of how many times I have already done so. I have been waiting to hear from Caliber so that I can move forward, as I have full intentions to pay for my mortgage, but I had a change in my situation and needed some help. 
I have heard that I am now supposed to leave my home, I am being evicted, yet I do n't know why, or when this happened. because I have heard nothing, like I said I have waited on a decision for mod that I have never received, the options that I am supposed to be given, were not given, " keep homeowners in their homes '' is apparently not at all what anyone wants to do.
TransUnion continues to report inaccurate information on my credit report. TransUnion responded that the debt was verified. How is this possible? What was your method for verification? Who did you contact? 

I have disputed this account several times requesting physical verification from XXXX. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with XXXX to pay this debt. I asked them several times to remove this account from my credit report. Per my rights, I requested a copy of the original consumer contract with my signature that says I agreed to pay XXXX. XXXX refuses to provide me a copy. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since XXXX refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. 

XXXX has and continues to violate my rights according to the FCRA. XXXX is illegally reporting this account on my credit report without the legal verification required by the law ( FCRA ). Please remove the following account from my credit report immediately : Account # XXXX Currently, I do not have a lawsuit pending but I will exercise my rights if XXXX continues to violate my rights under the FCRA and fails to comply with the law. According to FCRA, I may recover actual damages or statutory damages. Statutory damages are up to 1,000 dollars per violation. Under the FCRA, I am also entitled to attorney 's fees and punitive damages. The company has to pay my lawyer, in addition to their lawyer, as compensation for breaking the law. They will also have to pay litigation costs.
Wells Fargo Bank has been charging our company, XXXX XXXX XXXX dollar overdraft fees. Our company operates on 30 day terms with our clients and many don't pay on time. Our XXXX XXXX   struggles to keep sufficient funds in our accounts and the over draft fees are absurd. A {$35.00} fee is too much to bare. In 2009, commercial banks made XXXX XXXX dollars on overdraft fees alone. They continue to. Far from protecting their interests if account holders default, they are making a huge surplus off the errors of their clients. I suspect these subsequent years have shown an increase in annual overdraft fees collected.
XXXX ( XXXX ) XXXX This number I dial for my annual credit report automatic hard copy of my report, XXXX was the only one that honored my request, I was given online access to my report from XXXX and exquafax that I did not request nor do I want. I called XXXX and they are honoring my request for hard copy and are, I was told investigating why my hard copy request was not honored. Now exquafax is refusing to give me my hard copy of my credit report yet they gave me access via the internet. Due to exquafax being hacked I do not want internet access I want a hard copy, in order for me to get the hard copy they are asking me illegal questions that are not required for me to obtain what is already mine.
My credit history has been excellent ( i.e., 0 % utilization rate ; 100 % ontime pymts past 7 years ; XXXX open mixed accounts ; all other paid accounts in good standing ; XXXX small pd tax lien in XX/XX/XXXX ( {$5400.00} pd in 3 months ) ; avg credit history 4 yrs 7 mos - XXXX account for 9 yrs ; XXXX for 8 yrs ; XXXX small car loan opened XX/XX/XXXX ( first car loan in 10 yrs ) and 1 rate/term refinance 6 mos ago ; XXXX hard inquiries in past yr ( XXXX for refi in XX/XX/XXXX and XXXX for new home loan XX/XX/XXXX ). My Equifax Vantage score has been between XXXX and XXXX last three months but when lender ran XXXX on these exact same factors on XX/XX/XXXX a score of XXXX was issued. This will increase my mortgage interest rate a full point. 

I contacted " XXXX '' at Equifax ( XXXX - XXXX ) this evening and he could not provide a rationale for such a low score. XXXX would not provide an ID number or last name but told me my score was low because : Equifax counts utility company inquiries as " hard '' inquiries ; XXXX counts EVERY hard inquiry against the consumer - even when XXXX inquiries for the same purpose occurred on the same day. ( i.e., I was shopping for an auto loan and contacted XXXX potential lenders for a quote on the same day - Equifax counted this as XXXX hard inquiries for the year ). When I asked to speak with a supervisor XXXX put me on hold for an extended period and ultimately I was disconnected. 

My score should be much higher for all the effort I dedicate to caring for it. However, the lending industry 's shell game of having over " XXXX different credit scores '' continues to ensure that people with excellent credit will still be stuck with high interest rates. The endless choice of models based on using credit ( or not using credit ) guarantees every lender an excuse to bleed borrowers no matter how strong their credit history is. 

Please investigate my complaint into this " rigged '' system, especially the following : 1. I believe my credit score was unfairly used and manipulated to generate a false impression of creditworthiness. My " excellent '' set of credit factors for the banking, credit card, insurance and auto loan models inexplicably reversed into a " poor '' set of factors under a mortgage model - a drop of nearly XXXX points. This is outrageous and Equifax can't/wo n't explain it. If there 's no valid explanation ( and how could there be? ) Equifax must be encouraged to report the data that is excellent/positive throughout all other models as excellent/positive on the mortgage model. 

2. Equifax needs to be able to explain why a set of positive parameters under one model becomes a strong set of negative factors under another. 

3. Please also lobby to halt the practice of allowing the credit bureaus to have hundreds of scores designed to penalize consumers no matter what their credit situation is. 

I need a response quickly if at all possible due to escrow closing XX/XX/XXXX. Facing a full % point increase if these reports are not corrected. All efforts you can manage to expedite action will be deeply appreciated.
On XX/XX/XXXX a fax was sent to XXXX, XXXX in regards to validation of a {$990.00} debt that I supposedly owe to them. The company did not respond to my request. A second fax was sent to XXXX, XXXX again on XX/XX/XXXX demanding validation of the debt. I have still not been contacted by them. If they have attempted phone contact, that is a violation of my consumer rights as I demanded written validation, not a phone call. Both faxes were sent to fax number XXXX. This fax number was provided by a consumer service page. The company has violated federal consumer law by not providing a fax number on their open to the public website. I demand the company cease and desist all collection activity and also remove the trade line from my credit report.
On XX/XX/XXXX, I filed complaint XXXX-XXXX  about Citibank with the Consumer Financial Protection Bureau. Citibank received the complaint and removed the credit card information from my credit report. I have attached a letter from Citibank that states they removed the credit card information from my credit report. When I reviewed my credit report on XX/XX/XXXX, the credit card information was removed by Citibank. However, Citibank did not remove the hard inquiries on my credit report. The hard inquiries was on my XXXX  credit report. I want Citibank to remove the hard inquiries from my credit report with all credit report agencies. Moreover, the banker that checked my credit said she was only making one inquiry. This banker deceived me as a consumer and was deliberately practicing deceptive behavior. 
The reason the credit card information was removed from my credit report is because Citibank gave me false balance transfer fee information before checking my credit. I only let Citibank check my credit because they shared a balance transfer fee that was lower than the actual fee when I received the credit card. As a result, the hard inquiries should be removed from my credit report as well.
I took out a personal loan from Wells Fargo in XXXX of XXXX. I have been receiving letters from them for close to a year, asserting that I am behind by XXXX payments. My payment, per month is {$210.00}. By their calculations I now owe a total of {$1500.00}, which includes unpaid late charges of {$740.00}. I sent XXXX copies of my checking account statements, showing the payments were made. I have been unable to resolve this issue, with the most recent correspondence, from XXXX XXXX, XXXX XXXX XXXX - XXXX, stating that XXXX payment on XXXX XXXX, XXXX was made and applied completely to interest, as " no payments had been made for three months prior. '' She never addressed the copies of my statements showing proof of my " missing payments ''. I have been to the branch office in XXXX XXXX, PA, but to no avail. They state they can not do anything about it, that I must call the company directly, which I have done numerous, numerous times. I would appreciate any assistance that you could provide.
I am brining to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector continues to report an account on my credit report that should not be there. On XX/XX/2018, I wrote to this company and had them served notification of my dispute by certified return receipt mail where I asked them to either validate or delete the account from my credit report.. I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.
I took out a small unsecured payday loan from ACE Cash Express in XXXX for {$300.00} ( maximum allowed under XXXX  ). I was unable to repay the debt in full and called prior to the due date to setup a payment arrangement guaranteed to me under Washington State law as ACE still had locations in Washington at that time. I was refused a payment arrangement by the store clerk who told me I would never be able to loan there again. 

Some months passed with no communication from ACE or anyone else until the end of XXXX from a company called XXXX. I asked XXXX for the paperwork to be sent to me to validate the debt, the information was never sent. Repeated calls were received after asking that they stop and only communicate to me via mail, which they refused to do. From XXXX of XXXX until the XXXX of this year I received multiple calls a day until I blocked all calls from XXXX who left me voicemails threatening legal action and that I could be found guilty of a legal case and left a case number. In one of those voicemails the message claimed that they could help me with my debt to the IRS, this was in fact XXXX as the case number was the EXACT same as left by XXXX previously. The voicemails can be recovered by my service provider upon legal request only at this point as voicemails did not transfer over to my new phone. 

Today I received a call from a private number stating that legal action would be taken against me and that I should be aware of this as documents were already sent to me I told the lady that I was completely unaware of this and she provided me a number to XXXX  XXXX and a case number and wished me good luck. The woman never identified who she was calling for nor did she establish any type of validity of any type other than asking my name. I was later informed that she may be working for a location service. 

I called XXXX who informed me that they were filing legal action against me for defrauding a loan agency with XXXX XXXX ( where I live not where the debt was incurred ) and for knowingly trying to deceive a lender on a secured loan. I informed her that a payday loan is an unsecured debt and she told me I was wrong and they were going to file a civil case against me. I informed her that the address they had was wrong and I was told it was my duty to tell ACE where I had moved. I replied that I had not moved in 4 years and that the address where I could be contacted was on the original loan application as well as the check used. She stated they were not obligated to send me any information regarding this debt as I was already contacted by ACE and XXXX verifying the validity, which I never was. 

I then called ACE who told me they no longer had the file and it was transferred to XXXX XXXX XXXX XXXX so I called them and they stated the file was with them through XXXX  but they had sold it to XXXX XXXX XXXX XXXX. The lady at XXXX XXXX XXXX stated that they would send me a copy of the application from XXXX which was a full 1-2 years after I applied for the loan, I never filed for a loan in XXXX through ACE. 

Multiple calls to XXXX XXXX XXXX go unanswered to a voicemail line.
Myself and wife had  XXXX  Federal Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX / 17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county. We  disputed with Equifax the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results. Equifax used a third party vendor for their information,  XXXX . Equifax is ignoring our  Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens a re to be deleted we find this conduct very irregular.
I am very disappointed with SUN-TRUST. Im appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. I did send them documentation ( which is basically the same asked when entering the claim online ) following all of my disputes every-time they requested it via e-mail. I did everything theyve asked of me. I contacted the Merchant in good faith but they failed to reverse the charges.