WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX XXXX XXXX XXXX took action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX XXXX would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. XX/XX/XXXX they handed my accounts over to Asset Recovery Solutions , LLC to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.
I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit  report after you have completed your deletions and corrections of the following accounts from XXXX, XXXX, and Transunion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX - XXXXXXXX XXXX
Dear Sir Madam, Subject : Removal of name for debt collection by BCA FINANCIAL SRVCS INCI recently discovered through my credit report that there are XXXX debt collections report by BCA FINANCIAL SRVCS INC as follows : Account # XXXX $ XXXX XXXX XXXX XXXX XXXX AND XXXXOriginal XX/XX/XXXX, XX/XX/XXXXOpened DateJan XXXX, XXXX ReportedIndividualResponsibilityPlaced for collectionAccount # XXXX $ XXXX XXXX XXXX XXXX XXXX AND XXXX Creditor $ XXXX XXXX, XXXX XX/XX/XXXX ReportedI have called up BCA and they denied the report since they said that that nothing was on my name for collections and they never reported this to Finacial Bureau XXXX 

I have no outstanding balance or debts as reported through consumer 's credit agency with my name or social security number and hereby request my name be taken off your debt collection list to rectify and restore my credit report. 

Your kind and immediate action on this earnest request will be highly appreciated. 

Thank You, XXXX XXXX XXXX XXXX add : XXXXXXXXXXXX
The Summer of XX/XX/2018 I was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/2018. All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
After many attempts to resolve this issue, Experian and XXXX continues to report the following items : XXXX : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) Experian : XXXX XXXX CT IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...
My son attended XXXX college in XXXX, Wyoming in 2011. As we ere there to drop him off for the start of his college career they ushered us through these lines and threw out a lot of information and had us sign multiple papers without explaining them to us. We felt like we had no alternative for financing his education. With extremely high rates as well as origination fees and me having to co-sign and make payments the entire time he was in school. We have tried negotiating the interest rates but to no avail. We feel like predatory lending is at its best here and we would like help in getting this resolved immediately. My son is struggling to pay which in turn has affected my credit which is unfair.
Equifax is reporting two unknown medical collection for {$100.00} the account numbers # XXXX and XXXX. There is no name of the company listed. I never received a letter validating the debt. The Debt just appeared on my Equifax credit report on XXXX/XXXX/2017. Also Equifax continues to report XXXX XXXX  XXXX XXXX and XXXX XXXX account # XXXX. None of these companies have provided a signed contract binding me to the debt that they are reporting to Equifax. Also I have not received verification that this debt was assigned or sold to collector, information that these companies are licensed in florida to collect. I have n't received nothing to validate this debt. In the US law encyclopedia, American Jurisprudence, 73 am Jur2d. Sections 90-93 ; It says that one can not subrogate onto a contract that they were not original on, did not have any interests. Thus, when an original creditor sells the debt, but they did not give these rights to the collection agency can not act as a substitute for the original creditor.
on XX/XX/XXXX I called Transunion in regards to hard inquiries that were removed, then reinserted on to my report without receiving any notice ( FCRA Violation ). I was hung up on by the representative ( XXXX  ) after he refused to remove them. The Inquiries in question are as follows : XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX XXXX XXXX reinserted XX/XX/XXXX
On XXXX XXXX, I called Navy Federal Credit Union in regards to my auto loan account stating that I owed around XXXX dollars by XXXX XXXX, 2016. I called to inquire why this was. NFCU stated that my loan was up and I need to pay that amount by the XXXX of XXXX no if ands or buts. I stated to the Rep that I was unable to do that and I stated that I could continue to pay the XXXX for the rest of the loan. She said no and I could get the car refinanced, I stated " OK '' and she proceed to give her my information. She came back and said my payments would be around XXXX for 6 months. She said this will take around for days to be processed and updated. I have not heard back from NFCU, believing they do not care and only want there money. When my accounts are past due NFCU limits my ability to log on the account. after also reviewing my loan account, its looks like NFCU has charged me over the life of the account numerous unnecessary fees of XXXX to bring my balance up.
My mortgage was originally opened with XXXX XXXX XXXX. I am currently retired, living on my Social Security and a small pension. My social security is received by my bank on the XXXX Wednesday of the month at which time my monthly mortgage payment is applied. Originally, prior to XXXX XXXX, the mortgage was paid on the XXXX of each month. This became a problem since Social Security made it 's payment on the XXXX Wednesday of a the month. Sometime around XXXX XXXX I made a loan modification agreement with XXXX XXXX XXXX to extend the mortgage due date from the XXXX of the month to the XXXX of the month. 

Seterus, a new mortgage company, took over my loan in XXXX, XXXX, without accounting for this loan modification. In addition, they did not account for my XXXX payment which was deducted from my bank on XXXX, XXXX, XXXX. These errors have not been corrected. Seterus now shows my mortgage in arrears, which is incorrect and creates an error in my credit scores.
Repeated calls minutes apart to included people unrelated to me. Called to others unrelated to me at XXXX followed up with additional calls at XXXX. Harassing telephone calls and messages with threats. Nothing ever receiving in writing. Never states who they are or who the debt is owed to but calls not returned will start litigation. Calls from an XXXX that does not accept calls but told to call an XXXX.
My wife XXXX XXXX has been dealing with BofA for years with them reporting this loan on her reports illegally. She finally got them to delete the items from her credit for the 3rd and what better be final time. Now they are on my report and they aren't even mine. We filed BK and she included these as a creditor to be discharged. SEE ATTACHED DOCS.
XXXX County Tax Lien showing on my Experian Credit Report should be removed as it was filed in error over six years ago. I have submitted several times a copy of the Satisfaction of Lien from XXXX County yet Experian continues to report this incorrect information.
My student loans was sold to  XXXX  ( unbeknowns t to me ). I ' m currently in forebearance and will be until  XXXX / XXXX / 17 , however ,   XXXX   hav e started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX /   17  stating that they received information that my name had changed, my name have n't changed in 7 years! This  incorrect information has severely impacted my credit score and have caused unwanted financial issues.   XXXX   is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Equifax : XXXX  XXXX  : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX   XXXX : XXXX XXXX : XXXX XXXX  Equifax : XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, Unknown Equifax : XXXX XXXX, Unknown Equifax : XXXX.
I have disputed the late payments on XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX  XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, and XXXX XXXX   XXXX accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have requested that Ed Financial Services fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.
The monthly statment from my credit card company comes in an extremely plain, nondescript envelope without any marking or indication whom the letter is from. The envelope merely says " your statment enclosed. '' The return address is an ambiguous XXXX XXXX . The back it says to visit the website but does not say which website. This seems like it is a practice intended to cause the statement to be confused with junk mail and thrown away causing consumers to miss their payments. This is wrong.
I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. XXXXXXXX XXXX XXXX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXTRANSUNIONXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
This company Portfolio Recovery started calling me over 5 years ago for a Debt from a electric bill in college im.not legally obligated to pay that has past the statute of limitations. i registered with the do not call registry & they now call my house phone all times of the day to try to convince me to make a payment though im not obligated if i would like the calls to stop essentially they plan to harrass me by phone till i choose to pay the debt legally i dont owe i just want the harrasment to stop
XXXX sent me a letter dated XX/XX/XXXX that I owe them {$15.00}. They gave me 10 business days to pay. I received this letter XX/XX/XXXX and I payed them {$15.00} same day morning XXXX. I have receipt with confirmation number XXXX dated XX/XX/XXXX. 

I received letter from the Collection Company dated XX/XX/XXXX. It means that XXXX put me to collection before the 10 days period had expired.
An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by fax that this is not my account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and have determined fraud. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavi as well as a letter from JAG so that they would know that this is not my account, but they refuse to comply with my request.
On  XXXX   XXXX ,   XXXX  , I realized my identify was stolen because I received mail forwarding confirmation from the  XXXX  that I did not initiate. I also received a credit card confirmation from  XXXX   XXXX   XXXX   that I did not apply for. I immediately reported it as fraudulent so my mail was only forwarded for 5 days, I contacted the credit bureau and placed a fraud alert on the  XXXX  services, Experian,  XXXX  and  XXXX  My family and I are now moving. So I changed my address on some credit card s, one of  them  XXXX   XXXX  in particular. My son was attempting to buy gas and he was prompted to enter the zip code. He entered our current zip code instead of the new  one beca use he did n't know I changed the address. This action put a hold on all of the cards. I called  XXXX  on  XXXX   XXXX ,   XXXX   and they explained that they could not release the hold because a fraud alert is on my Experian file and the contact information that I supplied did not match. The cell number I use to authenticate, was 'close ' but not correct. So, the  XXXX   XXXX  cards have a freeze until I reach Experian to verify and correct my contact information. I can not reach a person to help me at Experian. It 's just a menu and none of the options fit my situation. I have tried a few times during different times of the day, but my call is never routed to a person. Please help.
XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/XXXX I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX letter are attached.
I have received over 40 calls from Conn 's Furniture & Appliance Store. I have told XXXX different supervisors that right now I am only working part time due to storm damage at the facility I work at. The last time I spoke to a supervisor I told them I was hopefully getting/starting a new job within that same week. Since then, I have received numerous calls that I do have proof of ( pictures & phone logs ). I have spoken to associates calling me and told them to stop the calls. The calls start at XXXX and come in every hour or two. I am very displeased and would like to take this issue as high as it could go. This should not be happening especially after I 've told them my situation. I also want to mention, I have told them I will pay them what I can until I start a new job and have the means to catch up on bills. They are relentless. They have used different phone numbers but all with the same area code of ( XXXX ).
In XXXX of 2016 I began the process of consolidating my federal student loans and applying for the Revised Pay as You Earn Program with the Public Service Loan Forgiveness with the federal student aid department. I contacted a company I thought was affiliated with the Federal Student Loan Department ( the Student Loan Relief Department ) to help me along with this process. I was not aware that the services offered by this company for a fee of over {$1300.00} are available for free from the department of education managing the loans. I was never told that this service is available to me at no cost. I do have paperwork I signed stating that I agree to pay the fee, but I do not feel like it should be legal for this company to charge individuals for a free service. I feel as though I was not thoroughly made aware that the same service I was paying for was something that could be completed at no cost to me. This is unfair to individuals who are simply attempting to manage student loan debt, or any debt for that matter, and are unfairly taken advantage of when attempting to do so. The representative I initially worked with is named XXXX the phone number for this company is XXXX.
I tried using the XXXX XXXX XXXX card on XX/XX/XXXX. My child support was direct deposit on XX/XX/XXXX. The merchant informed me my card declined. I called to informed my card had been compromised on XX/XX/XXXX. They explained I should receive documents they mailed in XX/XX/XXXX to make a proper claimed. I called back for an update XX/XX/XXXX. They said that is not in the system however they would mail out documents. XX/XX/XXXX I called they said give it satybut they will mail out documentation. Saturday gets here and they stated they will mail out documents. I still havent received anything XX/XX/XXXX..
On XXXX/XXXX/2016 Capital One sent me an email to inform me to log into my account to cast votes for my stock. I attempted to do that but got a message that read " We are unable to accept your voting instructions online. If time permits, please return the voting instruction form in the enclosed business return envelope, or contact your financial institution. '' So I contacted the financial institution to informed them of the issue and to either send me the documents in the mail and/or fix the online issue. These request have been ignored by the financial institution.
XXXX XXXX other engineering company showing up pulling my credit with my permission please get this corrected they have been destroying my life hacking issues and other issues i filed to ftc