WillisBack/dataset-financial-user-claim huggingface dataset:
I got a call from Sunshine Credit Services debt collection agency at XXXX. 
" XXXX '' stated my name and phone number was " associated with an outstanding debt ''. 
I did not recognize the company that the person said I owed over {$480.00}. 
I asked to speak to a supervisor and I was not nice. I spoke to a XXXX XXXX. 
They said they had the wrong number. But when I told them they originally asked for : XXXX XXXX at my home phone number. 
They then said that they made an error. 
I asked them how they got my name and number and they said again that " They called this number in error '' Again, the opening conversation was " Is this XXXX XXXX? '' The person stated that I owed a company I have never heard of over XXXX dollars. 
I am worried that I am a victim of identity theft and what if they called an elderly person who was intimidated? I am a XXXX and see all the time the elderly being taken advantage of by callers that have " scams ''. 
Please follow up so this never happens to anyone else.
On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX requesting validation of an account in the amount of {$1900.00}. 

On XX/XX/XXXX I opened a dispute with each of the credit bureaus ( XXXX, XXXX, and XXXX ) to verify the accuracy of each account. All were verified with exception of XXXX, which deleted the account. However, the date open is inaccurate since the accounts date of first delinquency is XX/XX/XXXX ( confirmed by the original creditor during call on XX/XX/XXXX ) and XXXX XXXX XXXX is reporting the open date as XX/XX/XXXX. From my understanding the Open date must match the date of first delinquency. 

On XX/XX/XXXX, XXXX XXXX XXXX responded with a copy of the statement, private medical information ( which is hippa violation ), hippa agreement. XXXX XXXX XXXX is not listed on any hippa disclosure agreement they sent to me.They did not provide all of the requested validation items which included a request for an agreement with the original creditor stating their authority to collect on the alleged debt. Additionally, how are the credit bureaus able to very an account that not been validated with the consumer. 

On XX/XX/XXXX, I contacted the original creditor to get all previous statements that would have been mailed to me prior to the account being turned over to XXXX XXXX XXXX. The hospital billing department could not provide me with the statements and told me that I needed to contact XXXX XXXX XXXX to obtain those items since the account is now with them. However, the hospital did inform me that the date of first delinquency was XX/XX/XXXX. I called medical revenue services to obtain a copy of all statement and was told the only I will get is what they have already sent. During this call the associate and supervisor were rude, condescending, and made a few accusations in regards to my character stating that I lied in a dispute to the credit bureaus stating I was never at the hospital which is entirely false based on the letters I have to this complaint which I have attached. She also made comments about my mode of living and stability, which can be proven to be inaccurate.I have attached a recording of the call from today.
Went to XXXX for my free credit report. Clicked on Transunion report ; got an error message saying I already received one this year. That is not true. I had my credit report file right in front of me to make sure I pulled the correct one. The most recent Transunion was pulled in 2012 by my attorney 's office using their software interface. 
So I was really XXXX when the next screen from TU was a " come-on '' to sell me my free credit report so I clipped that screen to OneNote to upload with this complaint. I XXXX this issue and learned that TU has been running this bait & switch for quite awhile. Is Transunion ever going to be slapped down for this? How about a swarm of locusts, or better yet a swarm of auditors & investigators from Treasury & Justice to poke around awhile. Nothing but a license to steal, or maybe XXXX from XXXX services got a new gig?
I froze my credit file in XX/XX/XXXX with all 3 of the major credit reporting agencies when Equifax had a data breach.Both XXXX  and XXXX sent me a letter with a pin number to release the freeze, if necessary. Equifax did not. 

On XX/XX/XXXX, I sent a letter, along with identification, to Equifax requesting the pin number. They have not responded. 

Please get the Equifax to respond to my request.
I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.
Common wealth financial is listed on my credit report and they did not send me a dunning letter to give me a chance to challenge the debt.I am letting the cfpb know i have never had an account with this company and they can not prove i have ever had an account with them so why are they listed on my credit report with all this inaccurate information. I have no idea who they are and why they think it is legal to report this inaccurate information on my credit report.They have my social security number and i did not give it to them which is identity theft. I want all my information deleted from their database, office and files. I am asking for debt validation and contract or agreement i have with their company. If a collection agency do not validate a debt and they still report to the credit bureaus is violation of consumer protection afforded by the FDCPA section 809 ( b ) FTC opinion letter XXXX from XXXX.
On XXXX XXXX I open an account for a credit card with Discover Card ... .My credit score was fair the Discover credit card company inform me that I had to put up a secure deposit I put up a Deposit of {$700.00} ... and was informed if I may all credit card charged to the account on time I would receive my secure deposit back and continue to use the Discover card ... XXXX XXXX XXXX which would have been 1 year ... I never was late with my payments and my credit score went up more than 60 point from when my account open.I called Discover Credit Card Company Representative and asked about my refund or deposit and was told yes I did make all payments on time and that after each month the look at all accounts payment history..But they never responded back or sent the secure refund..at the end of XXXX XXXX I spoke with an rep for Discover and was told they still was looking each month at all accounts ... I asked them on that day XXXX XXXX XXXX ..to please close that account and send me my deposit back..my credit card account was XXXX balance..for the last two statements ... .however ; this company continue to use my secure deposit earning interest monthly ... and as of this date XXXX/XXXX/XXXX ..I have not received my deposit ... this company continue to open new accounts with the promise of returning the secure deposit after one year if all payments are made on time ... but never keep their promise to many consumer who only desire is to earn or rebuild their credit and show good faith ... .I build-ed my credit back up with many other accounts I have open ... .why are they still using my hard earn money from my SSI retirement check..my only income.
I have written dispute letters to Equifax, XXXX and XXXX in regards to derogatory and negative closed accounts that are on my credit report. 

All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018. 

The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
I received a phone call from Transworld Systems Inc. regarding the balance owed on my XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I spoke with them, I advised them that I am able to pay the balance of what I owe, {$3500.00}. They, instead, advise me that I now owe {$5200.00} on this balance. 

I conducted my own research on this company as I was having issues with fraudulant activity occurring on my account. Upon doing this, I found that many individuals have incurred unfortunate situations with this company as I have already ; to include paying their balance with funds continuing to be taken out of their incoming funds. I have personally encountered obscene, profane and abusive language, threats of garnishing wages, freezing any bank accounts and that they would take any check I have until they get the full {$5200.00} amount owed. They additionally threatened to freeze my SSN and advised me that they will make sure that I will not be able to make any purchases or obtain any new jobs until they get their full amount of {$5200.00} owed. Their lack of professionalism or willingness to work with me in any way was not provided to me as an option. Additionally, they continue to not provide me with a valid explanation as to why there was {$1700.00} additional dollars added onto the amount I owe. Upon the instances where I tried to contact this company, I have been hung up on XXXX times, deferred to other individuals who claimed they were unable to help me, and when I was able to finally reach someone, obscence language was used along with given multiple threats with no help being offered. Again, I am able to pay my balance of what I owe, {$3500.00}, but they are not giving me this option and are not advising me of why these additional charges have occurred. I 'm unsure of how to proceed, but would like this matter taken care of. I would like to pay my balance, but will not provide money to a company that has a history of " losing '' balances paid and will not provide me with an explanation of why the account increased.
Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from Equifax on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Navient calls my cell phone 6 to 8 times every day. I told them to stop calling me. I Block the number and them they start calling from a different number. Never leave a message. These are my son 's loans that I cosigned. He deferred payment for 8 years. The value has tripled.
I paid on them for 15   more. I tried to settle them and they would not try to settle.
1.I recently had a fraud alert placed to my account. I was told when I added the fraud alert it would keep companies from running my credit with out my consent and extra verification would be needed to obtain my credit report. That was told to me I pulled my credit report and I immediately called the credit reporting agency I was then told to file a report with FTC and this will be investigated. I was then asked what inquires was I disputing and if I could fax the information. I faxed the information and mailed the information and told again today that they have not received anything even though certified mailed said all my papers were delivered and I also have the fax conformation. 

2. I recently sent in the agreement that was reached by me and certain creditors, I am not taking responsibility for the debt me and the company simply negotiated a agreement in writing that was also sent to the credit bureaus. Still they are stating either they did not receive my paperwork. 

3 A address that is listed on my credit bureau file is the address to a bank. These companies are lying when they say they are investigating because if they were they would have known that.
I have tried numerous times contacting Prosperity Bank in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX  number, and filing a report on XXXX XXXX   website, 9 months later and I am still unable to resolve this issue.
This is another complaint regarding abusive fee practices by PNC Bank. I have been told them not to push thru payments when there is no enough money in the account. PNC keep doing it. They did it again on XXXX/XXXX/XXXX. I got an overdraft fee for {$36.00}. My paycheck is still not clear in the account, although it was supposed to show on XXXX/XXXX/XXXX. PNC is holding the payment transfer so they can charge fees again. 

I am concerned that with the new direction of the CFPB, consumers are going to be screwed again like we were before the agency was created. 

I would like the overdraft fees ( I had another overdraft that needs to be reversed from XXXX ) reversed. 

They are already charging a maintenance fee of {$15.00} every month, which I found abusive. 

I want these matters resolved, fees reversed. 

Sincerely,
I obtained a 30 year variable conventional mortgage from First Citizens Bank and XXXX XXXX on XX/XX/XXXX. The First Citizens representative never asked me if I would qualify for a VA mortgage. Had she done that, I would have opted for that ( VA ) mortgage instead of the XXXX I wound up with. What I found out after obtaining the conventional mortgage was that included in the monthly payments would be a PMI of {$120.00} per month. If I had the VA mortgage there would not be any PMI at all. I feel that First Citizens should have told me about the VA mortgage instead of just telling me about the conventional XXXX. 
It was not until I spoke with an agent from XXXX XXXX in XX/XX/XXXX that I was made aware of the fact that I should have a VA mortgage instead of a conventional XXXX. Since that time I now have a 30 year VA mortgage with a fixed rate which does not have any PMI attached to it. My complaint is should I get reimbursed for the years of PMI which I was paying due to First Citizens failure to inform me about the VA mortgage. 
What makes matters worse, is that the original mortgage was sold to XXXX XXXX XXXX which eventually folded and XXXX picked it up. XXXX has sent me a letter stating that they are not responsible for the PMI problem because they, " Did n't originate my mortgage loan ''. 
I hope that my explanation of what transpired will be sufficient for you to help me out with this problem.
There are 2 hard inquires from Capital One on my credit report. First one is XX/XX/XXXX. Institution on my report Cap One XXXX XXXX XXXX, UT XXXX, phone no. ( XXXX ) XXXX. Second hard inquiry was on XX/XX/XXXX. I have not applied for anything with Capital One or affiliated with them. I do not have a card or account with them, this is concerning hard inquires.
I have a payday loan at Cash Now Advance in XXXX, TN. My account went delinquent a couple of months ago when i was in the middle of switching jobs. The branch manager, XXXX, had started sending me personal messages through XXXX regarding my debt, and they called my job after being told not to. After I unfriended XXXX on XXXX, she became very upset with me and sent me XXXX very nasty threating messages. To take further action, I contacted her District Manager, XXXX. to see if we could get this problem resolved. After talking to XXXX and telling her everything that had happened, she told me not to worry she would handle it all and agreed to set me up on a payment plan telling me that if i could not make the payment just call them and they would work with me. Several days had past and I had recieved a text message to my personal phone from XXXX personal phone asking me when I would be in the store with a payment. I received XXXX text message a day for a few days from XXXX, and I had not responded, Finally, i received a text message from XXXX at XXXX, telling me that she needed a payment on my account ASAP ...
I am a victim of Identity Theft. Recently, some company deposited 2 wire transfer checks into my checking account. I did not authorize or know anything about them. My financial institution closed my accounts and refused to let me open new accounts. This happened on or around XX/XX/2018. I do not know the exact amounts of the wire transfers. Perhaps around {$900.00} or so each time. I called my local police and spoke with an officer, explained I was a victim of Identity Theft. I have a Police report. My direct deposits to these accounts were denied as the bank closed my accounts and denied me new ones. This was no fault of mine! I was treated like the criminal by the Bank, instead of the other way around. Especially by the Personal Banker at my branch. 
I have been an Identity Theft victim for over 1 year. I am losing everything I own and my credit is atrocious because of this. No one will help me!
Since XX/XX/XXXX I've been inquiring of my mortgage servicer MyLoanCare/ XXXX XXXX XXXX /XXXX XXXX to provide me copies of my loan modification documents. They modified the loan by lowering my monthly payments after going through a long short sale. I've spoken with them over the phone and sent several emails with specific questions related the note, amortization schedule, deferment and related requests. 

To date they have yet to provide me a copy of my loan modification documents or answer all my requests and questions even after reaching out to a number of their employees and contacts.
My student loan has defaulted and gone to a collection agency : Allied Interstate. I received a statement from said collection agency on XXXX/XXXX/2016 stating that my balance was {$11000.00}. Three days later, I received a statement from the Federal Offset Unit stating that my tax return had been offset in the amount {$9800.00}, with the amount of {$9600.00} going to XXXX XXXX XXXX, the creditor, for payment on the balance of that loan. I just received a statement today, XXXX/XXXX/16, from Allied Interstate with a new balance of {$7900.00}. According to them, only {$3400.00} of my offset went towards the balance. I called Allied Interstate to ask where the rest of the money went, and a representative told me that there were possibly collection fees and interest, but he could n't tell me how much and he could n't provide me a written statement. He then gave me the number to contact the creditor for any further inquires. I then contacted XXXX XXXX XXXX and requested the balance. A representative told me that my balance was {$77.00}, and that amount was all that I was required to pay. They are sending me a statement with the payment and balance as proof. If I had not contacted them, Allied Interstate would have proceeded with garnishing my wages at XXXX % for a debt that they could not verify.
I have contacted Equifax after contacting 3 creditors that are showing on my credit that I did not authorize as inquiries. I informed Equifax that the inquiry was fraud, and the creditors have agreed to delete from my credit file. The creditors said that they have sent electronic Communications to the bureaus, but Equifax is saying to me they have not received it. It has been 2 months. I have gotten a credit file update on today in the mail from Equifax saying that the inquiry will remain. I called and was told they have not received any Communications yet from the other parties. I spoke to the creditors twice and they said the information was sent and that they have always had issues with Equifax. 1 inquiry from XXXX has already deleted from the other bureaus, but not Equifax. All of the inquiries include XXXX, XXXX and XXXX. The creditors have even sent me letters verifying that they have agreed to delete from my credit which I sent to Equifax. However Equifax is saying that they can't accept it from me although they allow documents about other things. I've had to put a fraud alert on my acct due to recent unauthorized use of my credit information and they know this. I also have 4 student loan accts that are showing as duplicates. They all are listed as XXXX XXXX. If someone can assist me in this matter, I would greatly appreciate it. Thank you in advance.
These are the injuries that are showing up on my Credit Report, I have no knowledge of giving them permission to check my credit, I have been given the run around by the Credit reporting Agencies and my letters to both the companies and the reporting agencies has not been addressed, the list date and addresses are as follows ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have  XXXX  hard inquires on my credit report and they were n't authorized 1.   XXXX     XXXX , DE  XXXX  (  XXXX  )  XXXX  and 2.  SpringLeaf Financial  services no contact information