WillisBack/dataset-financial-user-claim huggingface dataset:
tO START, this XXXX account was in my ex husbands name and SSN. I never gave my SSN or owed this debt. 

I have been contacted and Harassed by this company and every collection agency they sent this off to for years now. 

In XX/XX/XXXX I was contacted by XXXX, was offered a settlement and I Paid it in Full on XX/XX/XXXX. Since then I was Harrassed by XXXX who I also reported on this site, Case number: XXXX. XXXX  "ENHANCRCVRCO" and XXXX where both Falsely reporting at the same time. Now XXXX is not showing on my credit any longer but XXXX "ENHANCRCVRCO" still is. This account has been Paid once, I have the release of liability, and i refuse to pay it a XXXX time.
Voluntarily sought period loan for tires and wheels from a local vendor. During the transaction I was not given a contract, payment plan, or any clauses or provisions regarding interest rate. This occurred XX/XX/XXXX, a day before departing on official business to Maryland for two months. During my trip I noticed payments were automatically debited to my bank account from XXXX XXXX XXXX. I called to inquire. The representative assured me that the payments would take care of the balance, automatically deducted from my account. Relying on the automatic for much of the year. 
Months later, this XX/XX/XXXX, I noticed the payments continuing past the balance, {$1400.00}, the amount of funds paid to American First was {$1700.00}. I inquired again, it was then I was given a copy of the contract and payment plan. As is, the interest rate was 144 % with a total of 39 payments for a total over {$3800.00} I informed American First I would be file a formal complaint and suspend payment due to their practices and lack in Truth-in-Lending.
A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.
Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to Department of Ed. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the Dept of Ed. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!
We have a closed credit card account through XXXX. On XXXX/XXXX/17, this company repeatedly ( four times in a span of a few hours ) called from both blocked and unblocked phone numbers to harass my husband ( the primary card holder ) about receiving payment. Our payment was not even due until XXXX/XXXX/2017 and there was absolutely no reason for this company to be calling this often or to be trying to collect a payment that had not even reached its due date! I called the company and explained the situation on XXXX/XXXX/2017 and told them to stop harassing my husband and I over a bill that was n't even due yet. The customer service representative did n't even apologize and just told me she put a block on his phone number, but they could still continue to call my cell phone. I told them this was harassment and I was n't going to answer if anyone called because I was at work and the bill was n't due yet. I am very upset with the way this company tries to get in touch with their customers.
Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX, XXXX XXXX, XXXX   XXXX, Chapter XXXX Bankruptcy Discharged XXXX
My original mortgage loan was sold to PennyMac mortgage servicing company several years ago. Ever since several times a year I receive harassing phone calls and letters from the company demanding that I send insurance verification or some other documentation that is not even my responsibility to obtain. Even worse, when I go out of my way to have the documents sent, they continue to barrage me with calls and harass me about it. When I finally got someone on the line and explained that it had already been sent, they spend 15 minutes looking and found the requested document. So even when I provide what they are asking for at great inconvenience to me, they do n't process it and continue to harass me over it. They should get the documents directly from the HOA and not harass me seveal times a year when the insurance policy is updated.
Visa debit card was stolen on XX/XX/2018 and used in XXXX, XXXX at a merchant named XXXX XXXX for several transactions, list following. 
{$1200.00} {$640.00} {$570.00} {$120.00} {$100.00} {$46.00} I contacted the bank that night ( XX/XX/XXXX ) and spoke to Customer Service. Husband was XXXX on military orders in XXXX, so I was advised to get in touch with him to see if he had made these charges because they wer from XXXX. Spoke to husband, and confirmed he hadnt made the charges. 

Called customer service again on XX/XX/2018 to have card turned off and fraud claim submitted. Was told that I should know something within 1-2 business days. 

Wednesday XX/XX/2018 my husband called from his post in XXXX to USAA customer service. He was forwarded a document stating that there would be credits issued for these charges as they investigated. 

Friday XX/XX/2018 XXXX I contacted USAA again regarding the claim. I was transferred to the fraud department, where I was told by an agent that my claim had been denied because the chip card was used and could not be duplicated. 


I called the number listed for debit card fraud, and spoke with a security agent who advised me that all fraud claims that have been submitted for the last two weeks by any of the account holders had been denied. 

I was then given an email address to submit my questions to, and told that the fraud agents could not be reached by phone, not even by other banking employees. 

In the mean time, I am out over {$2700.00} that I did not spend, and am unable to pay any of my bills. 

I was not contacted by email, as it stated I would be, and had to find out that my claim was denied over the phone. And that it would take approximately 72 business hours for the fraud agents to respond to my email. 

Both USAA and Visa claim to have a zero liability policy against fraudulent charges, however they denied my claim. How is this zero liability?
I received a court statement that I'm being sued by a company that I never had business with. Or know anything about. After I received this letter Docket number XXXX, with old Citibank statement. I immediately called Citibank on XX/XX/XXXX, to find out what was the court letter for. Citibank customer service was not able to talk to me, but transferred my call to this number : XXXX XXXX. I spoke with one of their customer service representative who than informed me that Citibank sold my dept to them on XX/XX/XXXX, at that time I questioned her if that was the case how come I was never informed or received a letter from Citibank or from her company as a debt buyers before until a court order to reply to the company I don't know about. she said they have been calling me. They did called me each time I answer the phone and Identified myself Immediately I was asked to provide my social security number so they know they are talking to me. I always tell them that I can not provide such information on phone especially when the caller called me due to identity theft. After during our conversation I was provided with another phone number to speak with another party : XXXX. I spent so much time asking questions. I was told that they sent letters witch I never receive and phone calls without voice messages to identified who they were. My question is what is my option here? How do I go about this in court. I know I had contract with Citibank not a third party.
CRA/HIPAA VIOLATION INACCURATE MEDICAL BILL WITH XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
XXXX XXXX XXXX has placed false reports on my XXXX   credit report. XXXX XXXX XXXX has placed bought a debt from XXXX XXXX XXXX XXXX XXXX and is attempting to collect the debt from me by making false claims on my report. I never opened an account with XXXX XXXX XXXX XXXX XXXX or made charges using a credit card from XXXX XXXXXXXX XXXX  XXXX, the original owner of this debt. Ive contacted XXXX XXXX XXXX   and explained the situation but they respond by saying my dispute is false. I explained that Ive made several attempts to contact XXXX XXXX XXXX XXXX XXXX but they will not call me back nor answer my calls. I've left messages with XXXX XXXX XXXX XXXX XXXX trying to explain that this is a fraudulent account and asked for them to please contact me. I have never signed any application or made an attempt to open an account with XXXX XXXX XXXX XXXX XXXX I ask for XXXX XXXX XXXX to remove the fraudulent clams against me on my credit report with all three credit score reporting agencies until an investigation can be made to  determine where these charges came from.
A default judgment was entered that included a debt that I was never served any paperwork. I only discovered this when I requested documentation of the payment history from their representative. I actually had to file a complaint with the Colorado Attorney General 's office to get the complete history. At that time, I received paperwork showing the debt that I was never served and that they had closed the case. When I filed the complaint, the current representative filed a motion to dismiss the judgment which was denied. I did request to settle and received no response. I just received paperwork requesting a proposed payment plan.
I took out a private loan in order to attend XXXX XXXX XXXX. I did not know there was a difference between private and federal loans. I graduated ; however, I have not been able to work in the culinary field as the pay was lower than I expected to receive Also, now my payment is {$700.00}. When I was on an income based repayment plan, the payment was only {$320.00}. This is hindering me from a lot of things right now. 

Also, our class went 1.5 weeks of no instruction for a 3 week course. I tried to get the class to come together and complain about it but they were not willing to. So I submitted a letter to XXXX XXXX for them to dispute it on my behalf. When I wrote my initial letter, I stated to them that I would like a refund of that portion of the tuition and that did not have time for tutoring as I worked after school. They denied the request for the reimbursement and offered me tutoring. I reminded him I stated in the letter that I had to work and did not need tutoring. They ended up giving me a store credit for the amount they owed me in tuition. Now I am stuck with a {$63000.00} private loan student loan debt at {$700.00} a month. I am unable to live in better living conditions with my family. It is the biggest bill in my house.
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy Chapter XXXX 2. XXXX XXXX XXXX Late Over 120 Days 3. XXXX XXXX XXXX Collection 4. XXXX XXXX XXXX XXXX Collection 5. XXXX XXXX XXXX Collection 6. XXXX XXXX XXXX Collection XXXX Inquiries : Name of Company Date of Inquiry Type of Business XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XX/XX/XXXX Personal Services Not Medical XXXX XX/XX/XXXX Banking. 

I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
A combination of being the victim of the Transunion Inquiry issue and Identity being stolen. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
XXXX, XXXX and Experian claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.
On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. 
My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. 
Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. 
My fianc used his debit card to pay for the deposit and we were shortly on our way. 
Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. 
I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. 
The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.
AldridgePite LLP ( XXXX foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from XXXX stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me. I contacted XXXX and I was told the same as Aldridge.
I received my annual credit report from XXXX. It has a credit inquiry from Chase Auto XXXX/XXXX/XXXX. I have not applied for any new credit from Chase since getting a vehicle financed through them in XX/XX/XXXX. It counted as a hard inquire. The inquire has cause damage to my credit score. I need this removed.
Since XX/XX/XXXX, I have been disputing incorrect information being reported on my credit report. After applying for a loan for a mortgage in XX/XX/XXXX, and being declined because of the negative things being reported. Incorrect name and spelling, addresses I've never been associated with, wrong year for birth-date, incorrect account open dates, things that been paid to the original creditor, but another company reporting that's its unpaid. I have sent in proof of everything I've been disputing with a letter each month and nothing has changed. I even had a notary present during the signing of my letters. These agencies do not respond with 30 days from my request see date attached response with date. I'm still being declined and unable to move forward with my life because Experian, XXXX, XXXX XXXX, they have failed me with their investigations to correct the errors being reported. I have the original credit report pull from the mortgage company earlier in the year and the latest one from my credit union and they are still reporting the same incorrect information. As I move forward into XXXX I would like the these companies to finally report the correct information.
I have called XXXX and Transunion and have sent a multiple inquiry letter to both of them to remove all fraudulent inquiry 's off my report and I got the general card response that inquiries are factual and will stay on my report for two years. I have had a fraud alert placed on my credit file to ensure no credit is issued without contacting me. I explained to the Representative XXXX in the fraud department with XXXX and XXXX with the fraud department of Transunion that I had no knowledge of these inquiries as they are not tied to an account and I did not authorize those inquiries but I was told they are factual & they will not dispute them. XXXX with Transunion was VERY rude as I asked her to transfer me to a US special handling Representative she lied and said she could not transfer me and said she would hang up in my face if there was nothing else I needed. I believe Transunion and XXXX practices unfair procedures and I know for a fact that they do n't investigate anything wheather it 's inquiries or a account that 's reporting incorrectly.
I had problems with XXXX and XXXX at XXXX in regards to collection efforts and unfair practices. XXXX released private/confidential information on my mother 's voice mail box regarding my account. XXXX has been less than cooperative in assisting me with getting my account on track. I was making additional payment amounts higher than the regular payment. They don't go by month, they go by days and count payments bi-weekly versus monthly as most companies do. This company is like a pay day loan when it comes to auto loans. I wish I had known all of this prior to getting involved in this loan. I was pressured at the dealership and rushed to signing papers that I was unable to read quick enough ( dealership scheduled signing right before close and rushed me through ). I had no idea I was signing for bi-weekly payments. I thought the {$170.00} was a monthly payment which would be reasonable for the price, year, mileage, and value of the vehicle. Before I knew it was signed into bi-weekly payments of {$170.00} that I could not afford. We have had job losses ( other signer who drives the vehicle ) and they have acted as a payday loan on this loan. I believe the dealership ( XXXX XXXX ) and XXXX are tricking customers into signing into these unaffordable loans and then repossessing when the customer has already paid more than the vehicle is worth. This is where they are earning their money. They don't care about the customer keeping their vehicle. They are quick to repossess to earn more money. They repossessed the truck last night following my CFPB complaint last week on the breach of privacy and unfair collection practices last week. This should be considered and viewed as retaliation for my complaint as I even put in the complaint that I will be paying the loan on XX/XX/23 with my yearly bonus from my company. They were very swift in repossessing right after the complaint with no indication that they were going to do so.
I've applied for and received a personal loan in a small amount. I was employed at the time and and was making payments. However I unexpectedly lost my job and currently unable to make payments. I have let multiple staff know and informed them I am working with a debt consolidator to help me pay off my debt. This company refuses to take the information and are now harassing me, calling repeatedly, late hours of the night, calling EVERYDAY! they call from local numbers and unavailable numbers. I have already made a complaint to the main call center, but nothing has been done
I have sent XXXX letters to Equifax credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified XXXX accounts each time equifax mail me my dispute results alway say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. 
Equifax have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. 

Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( XXXX XXXX XXXX XXXX XXXX seems to be false representations and inclusion of inaccurate information this violating federal laws. 

Equifax is unwilling to verify any of these accounts, then under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply with this XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Each letter I sent had a copy of my SS # and driving license inclosed