WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX 2017 I pulled a copy of my credit report and found a {$370.00} collections through Phoenix Recovery Group ( PRG ) for a debt through XXXX XXXX. I contacted the number on the credit report and was told that the debt was from a property I lived at. When asked, the PRG rep mentioned that he was unaware of what property or address. I requested validation of debt but did not get anything nor any phone calls regarding the debt. 
XXXX 2017 After no response from PRG I called several times and each time spoke with a PRG representative named XXXX. He assured me that he had a copy of the bill and persistent in requesting payment quickly. I again requested a copy of the bill and he would say that he would send to me. I left voicemail messages directly for XXXX with no call back. 
XXXX 2017 I called again and spoke with a PRG rep named XXXX who told me he saw XXXX notes and he did have a bill from XXXX XXXX XXXX and asked if I lived there. I told him I did but I never received any bills following my move. He explained that they were for a pet cleaning fee and utilities. I explained that I paid {$600.00} in pet fees to cover the cost and paid extra on my last month to cover the utilities and should not owe any debt but also did not get any bills. I then asked him what the total of the bill was and he said {$370.00}. I then asked him for specific charges. He mentioned the XXXX cleaning was {$150.00} and the utilities were {$50.00}. Before I could say anything else XXXX quickly added that he would work with me on the total. I again asked for a copy of the bill and that I would like to dispute with XXXX XXXX. XXXX days later I received a copy of a bill for {$200.00}. 
XXXX 2017 I contacted XXXX XXXX and left a voicemail message requesting a call back. I then received a letter from PRG with a copy of my lease stating that they deleted the interest and reduced the total amount owed. 

XXXX 2017 I called again and the phone continuously rang without an answer therefore. I went to the website of XXXX XXXX and sent a request for validation through the site email. I did not receive a call or email back, therefore I mailed a certified letter to Drought properties with a copy to XXXX XXXX XXXX requesting validation. I also called and spoke with XXXX at XXXX XXXX on a recorded line and was informed that the pet fees cover the cost of any damages and pet treatment, however is non-refundable. 
XXXX 2017 I received a letter signed by XXXX XXXX ( XXXX XXXX  of XXXX XXXX ) stating that they are unable to find me in their system and requesting my move in and move out dates.
I have previously tried to get Fair Collections & Outsourcing to make sure they updated my credit reports properly, but they have not done so, and have caused me to be declined on a new rental application as such. I am trying to remedy to situation, and need someone to help me make sure they are providing the correct information to XXXX, XXXX, and XXXX  because its been negatively affecting my credit for over 4 years now.
XXXX XXXX XXXX used extremely aggresive legal tactics to collect on a Discover Card that was used by someone in XXXX XXXX a place I have never been. I finally paid them because they had frozen my bank account though Discover and XXXX XXXX XXXX knew that these charges were not mine. Now after they have been paid they have a lein on my house that is preventing me from refinancing. They not only collect a debt that was n't mine but failed to release their lien on my property at XXXX XXXX XXXX, XXXX nj XXXX. I would like to know my legal options.
I have a mortgage with Wells Fargo Bank. It require that the property insurance be paid thru the mortgage. I of course was n't told this until after I paid my insurance in advance for 1 year. The policy is paid in full until XXXX 2016. Wells Fargo continues to withhold a monthly amount and hold it in an escrow account. I have talked to them until I 'm blue in the face, and can not get this resolved. 
Will you please help me? 

Every time I try to reason with someone there, I get a form letter telling me I can not get my request because of some of rule they have. Nothing is ever posted to warn their customers in advance so we do n't waste our time. Wells Fargo has the most dishonest business practices I 've ever encounter.
I logged onto my online account on XXXX XXXX to make a payment and the system blocked me. I tried to use Regional Acceptance 's IVR system and I was unable to make a car payment. I called the number listed on the screen when I got an error stayed on the phone line for an hour and then the called disconnected. I called the local office on XX/XX/XXXX. I spoke with XXXX in the XXXX, NC office he was a supervisor. He advised me that they blocked my ability to submit an online payment. I asked why he stated because they had no spoken to me, I advised him that I had not missed a payment on the account and paid online each month. I told him that by blocking my payment without cause he/his company refused my payment. I advised him that he can not report me as late to the credit bureau because I tried to pay by a method that Regional Acceptance Company allows. XXXX told me I was not past due on my account that I was 42 days past due and Regional Acceptance Corportaion does not report you as past due unless you are 60 days past due. I said that does not sound correct he assured me that it was and I would not be reported as late to the credit bureau. I told him I have a credit monitoring service and I would be notified if I was reported late to the bureaus. Today is XXXX XXXX, 2016 and I got a notification of a late payment.
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX XXXX is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on XXXX. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
I tried to send money using western union and everything was ok until I got a text message saying the transfer would be delayed till I call a number, which I did and the gave me a XXXX digit number to return to the place where I sent the transfer from and get a refund. I returned to the place and they told me in order to get a refund the number needed to be XXXX digits and to go to a western union store and try and get a refund, unable to find one in my town so I would have to go out of town to try and find one, this is time consuming. they mentioned something about sending a check in the mail, then I started reading articles about their lawsuit, so I figured their credibility might be suspect and decided to come here instead of going round and round with them. 
They also had me talk to their fraud evaluation department, which I find extremely embarrassing, trying to answer question about my relationship to and with the recievers of the funds, so they placed the transfer on hold and eventually declined to send since I did not answer the questions to their satisfaction, I can understand it, but feel my money should be refunded or transferred.
When I opened an account with Best Buy in 2002, I apparently agreed to a debt protection program when I opened the account that I was not aware of. I am gainfully employed and always have been and sincerely doubt Best Buy has my signature on file that I ever agreed to this program. I noticed this on my bill this month and called for an inquiry and was told that it was indeed when I was accepted for the card then. With all of the different portions of the bills regarding interest, etc, I never saw that, and I went to electronic billing years ago. As I am nearing retirement I am looking at my bills and what I thought was an insurance payment for an appliance was not. I have been paying over XXXX a month for something I have never needed for over 15 years. The only thing Best Buy did was to send me a letter to say they have cancelled it. Yes, I am wrong in not seeing it before. I use this credit card about 1 a year So I could recognize what the balance should be. I never looked at the detail of the charges. And Best Buy in 15 years never sent any reminder or option to opt out of this. I have a measly XXXX balance - go figure because of this. In this period I have paid XXXX in debt protection that I have never needed or never used. This is outrageous. I know I am neglect and looking at my bills however how many other consumers are being charged this - and per the description subscribed unknowingly when they opened an account. I want my money back - now I understand why I have not been able to pay off this bill while they continue to raise my credit limit. Shop there - no more.
On XX/XX/XXXX Experian refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts XXXX XXXX XXXX appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.
The credit reporting agency corrected the wrong name display as requested in my previous complaint but left both the inquiries, and accounts associated with the wrong name in place. If the name ca n't be verified, then all associated accounts ca n't be verified as well. in addition, they transcribed my accurate name to display backwards as well which again illustrates they are n't investigating anything this is just a exercise in violation of the fair and accurate credit act by an actor determine never to follow it.
MULTIPLE HARD INQUIRIES WITHOUT MY PERMISSION AGAIN LETTER SENT TO CREDIT BUREAUS AND THEY STATED THESE INACCURATE INQUIRIES WILL STAY ON MY REPORT XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax and XXXX Ive submitted a previous complaint with VERIFICATION about my inaccurate student loan payment history and not all of that was corrected Im EXAUSTED with the constant back and forth with the bureaus I just want these inaccuracies that are hendering me with no fault of my own CORRECTED
On XXXX XXXX, 2017 Comenity Bank/XXXX credit card pulled my XXXX credit report without my consent. Contacted Comenity Bank via email almost a month ago and have not heard back from them.
I HAVE BEEN PAYING ON THIS ACCOUNT AND IT IS STILL SHOWING NEGATIVELY ON MY ACCOUNT. ACCORDING TO THE BALANCE ON MY CREDIT REPORT I ONLY OWED XXXX. I HAVE PAID THAT BUT WHEN I CALL ABOUT MY ACCOUNT THEY CA N'T FIND IT.
I was contacted by IDEAL collection agency sated I owed a debt when I resided at XXXX. I submitted a copy of the 60 day notice to the apartment complex stated when I was moving out.
I have told Real Time Resolution that I do not owe the debt due to ID theft and and I sent documentation to XXXX am XXXX and to XXXX. They have refuse to be non biase in this situation
On XX/XX/2018, I filed a complaint with the CFPB about TransUnion, complaint number XXXX. I have asked TransUnion to update my address now multiple times. Every other company in the world has been able to do this, including the other credit reporting agencies, but TransUnion refuses to do it. 

TransUnion 's response was that they " need '' proof of address. I do not have utility bills, and I am not sending them a bank statement. TransUnion said they keep all my information safe in the US, which a total lie because every single call I place with them goes to XXXX. You can fact-check this simply by calling them yourselves. The Fair Credit Reporting Act does not require me to send any bank information to them whatsoever, and I am not sending them a copy of my bank statement. 

Then, the CFPB just closed the case, without any input from me whatsoever, just because TransUnion wrote a response. 

I would also like to know why the CFPB closed my case before the matter was resolved. I asked for an address change, and TransUnion did not change it, so the matter is not closed. When I tried to hit the feedback button on the CFPB 's website, it did not work. Maybe the CFPB does not want any feedback about this?
I made a deferred interest purchase with XXXX through synchrony bank on XX/XX/18 for {$400.00} for 12 months. The initial draft, drafted too much as I had my payment set to XXXX per month. So they issued a credit for the amount over drafted by check, but also issued a credit to account and turned around and charged account for same amount. This caused my account to accrue interest every month since then, which they have credited back to me upon calling to request. But they wont fix the account so that I dont have to call every month and spend upwards of 30 minutes on the phone each time with them. I requested a {$10.00} credit to account to cover interest charges and they denied. My time is valuable and I should not have to call and explain the same thing month in and month out. This has been going on for 3 months now.
on Saturday XX/XX/XXXX I checked my credit score on XXXX XXXX in the morning and it was XXXX, the same day in the afternoon my score drooped 57 with no reason
I had a medical bill which was XXXX XXXX XXXX 's Hospital for {$1200.00}. XXXX XXXX 's gave me a 50 % discount if I paid it by XXXX XXXX XXXX, Which would make it {$640.00} so I went ahead and paid it. Then I got a bill from Global Receivables Solutions , Inc . I called them and told them it was already paid and they should contact XXXX XXXX XXXX Hospital about this, I also contacted XXXX XXXX 's and told them about Global Receivables. I have called over XXXX times about this mater to get it resolved, XXXX XXXX 's says I do n't owe anything but Global Receivables wo n't stop calling me I keep telling them they should contact XXXX 's but they get rude, the last time the man hung up on me.
To whom it may concern : I had a loan with Nationstar Mortgage since 2010 I was selling my home and I missed 2 payments and had set up a repayment plan and paid the first of 3 installments. I had an offer on the house as it was for sale and talked frequently with Nationstar as we got closer to closing and even though I missed payment 2 of the payment plan I told them the closing date was just 15 days after the payment was due. Then XXXX XXXX from XXXX called to get payoff and all documents needed for closing, the day after that happened Nationstar all of the sudden put {$4700.00} in legal fees 5 days before closing after I had been in constant contact with them. No one from Nationstar or the Attorney themselves can justify what was done for the {$4700.00} XXXX also looked up my home and there was nothing started or posted about a foreclosure on my home. I have paid off this loan and am disputing with Nationstar about the fees but they are giving me the run around and are not providing any documentation as to what the fees went to. I admit I was behind but i was very open and honest with Nationstar and told them this was a done deal with the sale of the house and the way they conducted themselves and put the fees on right before closing was very questionable.
I have a fixed rate mortgage from US Bank. Despite property tax and insurance costs being readily available, they have consistently miscalculated my mortgage escrow requirements year to year resulting in shortages. Each year they also miscalculate the shortages, asking for a very small amount up front and raising my monthly payment much higher to cover the rest. In years past I have been able to calculate manually and " pre-pay '' ( pay the actual shortage ) of my escrow. This year they claim the law changed on XX/XX/XXXX such that they 're no longer allowed to do that. They were unable to define the exact law.
Kindly I have been trying to get my credit report and score from Equifax for months now without any success, although I have XXXX credit card accounts and I 'm able to see them all on my XXXX and XXXX credit reports without any problems. 
My problem is with Equifax , I tried to sign up for their complete advantage plan and they asked me to fax my Social Security card and Driver 's License to verify my identity so, I did, then they told me we wo n't give you access to your credit report because my Social security is based on my work permit, do they have the right to deny me access to my credit report and credit score on that ground? if so how come I am able to get my report and score from other credit bureaus then? 
Kindly I would really appreciate your assistance, as I 'm relatively new to credit and I 'm trying to build my credit score and every time I try to see my credit report from Equifax it tells me non matching Social security.
My mother died, left her home to us and had a home equity loan on our XXXX home not sure what to do have been trying to save home and need help. What to work with bank on finding a buyer or being about to rent out home which could pay back loan. I only have XXXX income for a family of XXXX in New Mexico with trying to stable ourself, we still have family items in home was unable to remove in 2014.
I ordered 3 credit reports on XX/XX/18 from annual credit report. XXXX amd XXXX reports were complete and available to view online. The Equifax report I received was someone elses report not related to me at all. This was NOT a mixed or merged file, I was sent a 62 page report with confidential information on it with someone elses name and personal information. 

I called Equifax and reported this twice. I was told We are sorry for the inconvenience. I am concerned about the breach in security and wonder what happened to my report. 

Please see file attached with the wrong report received. 

Equifax has been non responsive. I have also reported this to XXXX XXXX XXXX  via their online contact form.
A couple years ago I used Sears ' financing to purchase a couple items at the store. I paid off the final amount in XXXX. 

Since then I have twice received notifications that my Sears card is being upgraded to a Mastercard credit card. The notification says this will happen automatically unless you go online or call to reject it. I have not been able to complete the process online and I had to wait on hold for 10 minutes to complete the process by phone. 

I expect they will keep sending these periodically. Are they allowed to do that? I think they should be told to desist from trying to push people who did store financing into having a credit card that they never requested.
Navient and XXXX split my student loan between the XXXX companies. I owed one affordable payment, but after the split they both demanded an extremely high amount of money per month to pay. Numerous times I have tried to negotiate a more affordable payment per month. After I talked with their " financial adviser '' all they could tell me was to ask for help from my parents or someone to make the payments. They can not negotiate, nor do they understand my financial situation, and resort to harassing me and my family by calling relentlessly each day. Again, when I try to negotiate an easy payment, they do not come down in price. They give me an option to put my loan in deferral by paying about XXXX dollars to bring the loan up to date, then it goes right back to the obscene amount the next month and I start the process over again.
Ok I Submitted a Dispute to Experian about the Misreporting they have on my Credit Report. I filed Bankruptcy XX/XX/XXXX and Finalized By US Bankruptcy Court XX/XX/XXXX. 
They continued to report Negative payments prior to these dates. The penalized me for them Via FICO score. The only reason I filed Bankruptcy is I was unemployed for 2-3 years because of the Recession XX/XX/XXXX. I even took out Loans during that time, managed to pay them in Full, Never late as shown on Attached Dcouments. They also show me at an Address of residence at XXXX XXXX XXXX XXXX XXXX XXXX which is the Address of My Bankruptcy Attorney in XXXX Florida. 
They do not even indicate my Current employer where I have been working and employed as a Fulltime employee since XX/XX/XXXX. see XXXX attached and Experian docs Misreport attached. 
Thank You I just hope you can help. 
XXXX XXXX
Department of labor sent me a direct deposit. To my checking account keybank closed my account.i been trying to collect my balance for three months everytime i call keybank tells me that they dont have to talk to me.i just want my money.my account didnt have a negative balance .i dont understand i just want my money.
Credit Systems Intl has added a collection to my credit profile which has severely damaged my credit since I have no collections on my credit report until yesterday. I closely monitor my credit due to identity theft and fraud. They are attempting to collect on a debt from a company called XXXX XXXX. I have disputed this in the past as not belonging to me and the company was unable to validate the debt so it was removed two years ago. Again this debt is not mine and I thought this was established. Furthermore I have received no communication from either Credit Systems or XXXX XXXX prior to to this damaging information being placed on my credit report. No phone call, no letter. No communication once so ever. I was not given my legal right to once again dispute this information and prove I do not owe this bill. This original date of deficiency is in 2011.
I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in 2010,  the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.