WillisBack/dataset-financial-user-claim huggingface dataset:
In 2011 I had XXXX accounts with sterling Jewelers, XXXX with XXXX and XXXX with a jared. These accounts were both paid as agreed until my husband was injured and required extensive surgery at which time we were forced to file a chpt XXXX to protect our home. When our home was no longer in jeopardy we voluntarily dismissed the chpt XXXX. Both my attorney and myself attempted to contact sterling to ascertain the holder of these accounts to no avail. Even a certified letter went unanswered. This is a common complaint with XXXX after reviewing social media. 

Two weeks ago I received a call from s " no caller ID number. '' The individual identified themselves as a " representative of the state that needed me to be at home or my place of employment wt XXXX to deliver legal, papers. '' A phone number and reference number was provided. When I called the provided phone number I reached an individual, who stated " he was from Kay Jewelers and the lawyers had already filed paperwork with my state and county. " " I was given 72 hours to pay my account or face " legal action or prosecution. '' In a panic, I provided my bank account numbers. I was told an authorization to deduct monies from my bank account would be emailed and I would need to sign this authorization. I did indeed receive such an email, and realized I needed to have this information reviewed. Much to my surprise, over XXXX was deducted from my checking account within 72 hours without return of the authorization. My bank ( XXXX ) fraud department immediately became involved. The identified offender was " XXXX XXXX. " Several days later, my husband received another call from " no caller Id. '' Same scenario. It was " a state employee needing to serve legal documents. '' When the phone number was called, an individual ( XXXX ) went into great detail about a Jared account. My husband was NEVER on this Individual Jared account. This was again " regency capital. " I immediately contacted an attorney ( XXXX ) regarding the unauthorized deduction and continued threats of criminal action. I spoke with XXXX XXXX ( XXXX ). When XXXX XXXX called the phone numr of the " Kay representative, '' the individual refused to provide the company name, address, or, fax number. XXXX XXXX could find no record of XXXX XXXX in her data base of licensed agencies in New York. The attorney office advised that I immediately cancel my bank account and debit cards. This required I miss an entire day of work to cancel my account, debit card, automatic deduction, etc. 

Around this time, I received a credit alert that XXXX XXXX XXXX had placed XXXX collection entries on my credit file, XXXX for Jared and XXXX for Kay. The entries appeared as new defaulted accounts. Prior to the appearance on my credit, I had never heard of XXXX. I had certainly received no communication from them. 

I called XXXX and spoke with an extremely rude lady who told me " we, own these accounts and they have been outsourced for collection to XXXX. '' When I described the issues related to XXXX XXXX, the agent responded " I do n't believe any of that. It 's not my problem anyway, it 's yours. '' She then hung the phone up!
This can not be me because I have full coverage insurance and I have never heard anything about this. it just shows as a number on my report. there isn't even a company. unauthorized charges are hurting my credit
What and absolutely awful and deplorable organization this is. Every single person I attempted to have conversations with were rude and unprofessional. " Hurry up sir and can't have you holding up my line. '' Recently XXXX XXXX Mortgage sold my mortgage to a company called XXXX XXXX. Upon reviewing the letter received by XXXX, I reached out to XXXX XXXX via phone call to discuss the transfer process and ensure a smooth transition. It was incredibly unsettling when communications were established with XXXX to learn that they are a collections company. It was through many other follow up calls to XXXX about my account that it became evident that there was a considerable amount of unprofessionalism and lack of intercompany communication. It was challenging to find and obtain a member of this company who could provide me with the information regarding my account. After the unsatisfactory encounter, I started to do some research into XXXX mortgage. What I found was profoundly disturbing. I compiled a list of negative reviews. The sources for these reviews are known for their contributions to the consumer affairs environment. The XXXX XXXX XXXX registered 100 complaints in the last 3 years and give the company a D- consumer grade. As of today XX/XX/18 I reached out to my Credit Union for advice. The only choice is to refinance the home through my credit union. This comes a a stiff price of {$12000.00} in closing costs to accomplish and rid myself of the deplorable conditions currently experiencing with XXXX XXXX. There needs to be a better less expensive way to relieve me of something I had no control over.
I am Currently applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( XXXX, Experian, XXXX ) display : 39-SERIOUS DELINQUENCY 18- NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.
I received a letter from SLS dated XX/XX/2016 that said I might qualify for a HAMP modification. I filled out the HAMP application packet included with the letter, and faxed it back to SLS on XX/XX/2016. Shortly after that, I called SLS to confirm that they had received my application. I spoke to an SLS representative and she confirmed they had received my application and she gave me a rough estimate of future modified payments. She did not tell me that I needed to send anything additional. Now SLS has scheduled a foreclosure sale on XX/XX/2016. I never got any answer from SLS about my modification, and they never communicated with me about anything else I needed to do. Not only is this not fair, but it will make me and my family homeless including my children who grew up here.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
SINCE XXXX  OF XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX NAVIENT DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XXXX OF XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND NAVIENT AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO NAVIENT BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
I recently moved..Santander consumer usa was last on my list to change address. My payments are sent auto  payment from my bank to you..yesterday I went to mailbox and received my XX/XX/XXXX. statement..with my NEW address ... .Where did you get my new address? 
I haven't submitted it to you yet ... 
I have had many problems with you ... .now I would like to know HOW and WHERE you got my new address? 
Your company has caused me unnecessary stress and anxiety,,, now this?
I have mixed files on my credit report. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) Legal Item 4 ) Bankruptcy
Debt was incurred after my annual liability under an HMO health insurance plan had been met. The insurance company has told me the claim was adjusted and this is not my liability. The provider 's billing service continues to send invoices to me and now has turned the debt over to a collection agency. After multiple contact to the provider, billing company and the collection agency with documentation supporting my position, they still continue to send me attempts to collect this debt.
This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Eronneous charges from XXXX XXXX is {$160.00} on collections from XXXX XXXX. The charges are not accurate and is not associated with my service. The collections is posted to my credit by the company noted below : Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 've tried to contact them numerous times without response.
This is a XXXX credit card debt. XXXX lost my job due to economy downfall. Prior to my job loss I had perfect credit and my XXXX card was paid on time. 
XXXX Card debit was turned over to SUTTELL HAMMER & WHITE XX/XX/XXXX I was served papers informing me I was going to be sued I called immediately and began making voluntary {$50.00} month payments.Each year I received a letter telling me to call to review my account, which I did. I continued making payments.XX/XX/XXXX I did not receive a letter, I still made my voluntary payments. XX/XX/XXXX we looked into selling our home for financial reasons and found that XXXX XXXX XXXX XXXX placed a lien on our home. They claim they notified me and I did not respond. That is an untrue statement. Somehow they slipped it threw a different county to mine for a digital signature in my county. I  have responded to all request they made. They have been dishonest in their practices. I have three credit cards I make monthly payments to. The other two companies have not done anything underhanded. I'm attaching a letter response from them following another complaint I filed so I could find out what to do. 

XXXX Title J JUDGMENT Grantor ( s ) XXXX XXXX XXXX, Grantee ( s ) XXXX BANK, Parcel ( s ) Excise No. 
Date Recorded XX/XX/XXXX Recorded By SUTTELL HAMMER & WHITE PS
I was advised via credit monitoring notification on XXXX/XXXX/2015 through XXXX that a Collection account was posted to my credit. I immeditly contacted them to find that Amsher Collection Services had reported a debt due to XXXX. I contacted Amsher collection for the XXXX time XXXX/XXXX/2015 to advise them I did not indeed owe XXXX. They instructed me to file a Identity Theft Affidavit and fax it over to them. On XXXX/XXXX/2015 I completed this task and disputed the account with all three credit agencies. On XXXX/XXXX/2015 I followed up and was informed they did receive my fax and would send it back to XXXX. I advised them of my dispute and they stated that it would take it 's course for removal. On XXXX/XXXX/2015 I got notification that the Collection Agency responded to my disputes that it was a valid debt. I on XXXX/XXXX/15 contacted Amsher to ask them as to how and why they did that. They stated they would send me a fraud packet. I re disputed the inaccurate information on my credit file. On XXXX/XXXX/2015 I again got notification the Collection agency responded to the Credit agency that it was a valid debt. I once again called back due to not receiving the fraud packet plus them once again responding to my dispute it was a valid debt and spoke to " XXXX '' the manager and he ensured me he would handle it and send the packet himself and handle the credit agency disputes to reflect accurate information. I have provided XXXX with the require documents as well as fraud dispute form as requested yet this invalid account still appears on all XXXX credit reports. I contacted Asmher Collection XXXX/XXXX/2015 and XXXX informed me she would do a courtesy removal and send a letter stating that.
XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for another XXXX XXXX as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX  and equaifix were also gon na remove it but still have yet to do so.
Quality Loan Service Corporation - unlawful foreclosure auction of Consumer XXXX home - subject to FEDERAL CRIME! Please see attached COMPLAINT. -- NO LENDER named on alleged Notice of Default and Notice of trustee sale NOW results to THREE ENTITIES claiming ownership of Consumer 's home - simultaneously. Exhibits will be faxed shortly. 

Thank you for upholding Consumer Protection Laws as you investigate Quality 's deceitful and fraudulent practice of stealing people 's homes for its undue enrichment.
My Bloomingdales 's American Express Account, Bloomingdales Store Card XXXX XXXX American Express Account & XXXX XXXX Store Card were closed by XXXX in Excellent Standings & Positive Consecutive On Time Payments updated & reflected by all 3 Creditor Bureaus. The closure of the 4 accounts showed a negative adverse credit ratio by XXXX  XXXX & XXXX. 

The Credit Card Act XXXX says at least 45 days a written advance warning of changes to the credit card accounts holder. Card Companies can close your account without notice If you stop using the card or delinquent in payments which in my case is not the matter. 

Ive called the card customer service twice in XX/XX/XXXX on the XXXX & XXXX when I noticed the email stating the closure and my credit report updating the closed accounts. The representative didn't have a valid answer as to why and recommended me to reapply for a new accounts and incur a Hard Pull on my credit report to reopen? I told them my account was closed in good standings with payments just postings can you just reinstate my account and they told me to wait after 30 days to reapply again. Horrible Business Practice with XXXX.
IN REGARDS TO : XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I SENT A CERTIFIED LETTER XX/XX/2018 RECEIVED BY AGENT XXXX. I HAVE NOTIFIED THIS COMPANY THAT THEY ARE REPORTING INACCURATE INFROMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NEVER DONE OR EVER EVEN HEARD OF XXXX XXXX XXXX NOR HAVE I USED THEM. THEY ARE REPORTING ONLY ON MY EQUIFAX CREDIT REPORT AND I DONT KNOW WHY. I SENT A DETAILED LETTER ASKING THEM TO PROVIDE PROOF OF VALIDITY OF THE DEBT THEY ARE REPORTING ON MY CREDIT REPORT? I ASKED THEM FOR VALIDATION AND VERIFICATION INTO THE ACCOUNT? THE INCORRECT INFORMATION THEY ARE REPORTING IS NOT MY ACCOUNT. I ALSO ASKED THEM TO PROVIDE THE ORIGINAL COPY OF THE DOCUMENTS BEARING MY SIGNATURE? PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORIGINAL CREDITOR? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THIS DEBT ACCOUNT? 

AT THIS TIME, I WOULD ASLO LIKE TO INFORM YOU THAT IF XXXX XXXX XXXX OFFICES CONTINUE TO REPORT INVALIDATED INFORMATION TO ANY OF THE THREE CREDIT BUREAUS ( EQUIFAX, XXXX, OR XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOUR REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT *VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT *DEFAMATION OF CHARACTER IF PROPER DOCUMENTATION IS NOT PROVIDED AS REQUESTED AND VALIDATION ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATLEY.
I recently applied for an apartment in XXXX XXXX Michigan and the apartment complex uses a credit reporting agency saferent or core logic. I disputed this information, sent them supporting documents of this information being incorrect, and I even sent them information from XXXX stating the errors in my credit report and they continued to ignore my pleas.
Niagara Restitution Service ( NRS ) contacted me at my work phone number then contacted my supervisor and told them they were a process server and then told me that they would garnish my pay.
i am making a complaint about a late payment / delinquency reporting on my credit report, on all the three credit agencies. 
the account name is XXXX. they are 100 % sure that the error is not on their end but i am 100 % sure that it was never mu fault and it has been a data entry issue. and i have paid on time. i would greatly appreciate your help in this regards. 
thank you
The wrong address, the address of a life insurance company suddenly popped into my list of addresses ; alongside my XXXX  actual residences.
I have potentially been impacted by the recent Equifax security breach where millions of consumer 's private information was stolen.
I was in the process of a loan modification with  XXXX  in  XXXX  of  2016.  My monthly payment was  XXXX   w  no escrow account. I was approved and told I would receive  XXXX  per year toward the principal for next 5 years if  I  continue payments.  XXXX     2016 M  y m ortgage was sold to  Nationstar  and the modification continued w them. My payment is  XXXX  with an escrow account but the principal and interest payment is  XXXX .  Nationstar says I  'm not eligible for the  XXXX  principle decrease because the total payment did not decrease by 6 %. This is is unfair because they are comparing  XXXX  paymen nt w  no escrow with the new pa yment w a n escrow payment of  XXXX .  XXXX . (  XXXX  vs  XXXX  ). The 6 % decrease in payment is  XXXX  of  XXXX  which totals  XXXX  which is more than 15 % decrease  but Nationstar is  in disagreement with this fact. During the time of this situation I had a housing representative from from   XXXX    who worked fervently to get a definitive answer from   XXXX   XXXX  , they in turned dropped the ball and the rep. had to start the inquiry w them a second time and still no answer.
I called Ally at XXXX my loan originator they found my acct # XXXX. And the lady said she was tranfering me to a specialist. I was not told i was being transfered to a collection agency. I speak with a gentleman that answers the phone but does not say or disclosed the name of his company. I tell him i have an acct he asked for my demos but does not give me a mini miranda stating ... this is an attempt to collect a debt any information may be use for ... .after my demos i asked where was i transfered he said to north side location. But no mini miranda was disclosed. by my request he tells me the balance. Since by now he tells me that is a collection agency i can settle the acct for XXXX dollars that i dont have. I tell him i can pay XXXX. He says no. I ask for a manager i get XXXX XXXX that was super aggresive and rude. again no mini miranda disclosure was given by this collection manager. If i would had not asked the rep where i was transfered at the begining of the conversation i would had assume i was talking to Ally Financing That makes it very misleading by Ally to transfer me like that and by North Side Location to not disclose their business name deny my right to know everything i said was going to be use for collection purposes and to tell me that the letter they have sent me assuming i got any correspondance from them which i have not. Then XXXX wants me to pay XXXX in payments because i cant afford the settlement of XXXX and that if i dont pay it now that offer os out of the table. I had XXXX to pay not XXXX to do a lumn sumn. His collection tactics were too pushy and aggressive but to not disclose miranda rights is breaking the law
THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX AL. I STARTED OR ENROLLED IN XX/XX/XXXXI WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX AL SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.
I have a Macy 's credit card issued through CitiBank. There were XXXX fraudulent purchases made on it. XXXX was made on XXXX XXXX for {$160.00}, and the other was on XXXX XXXX for {$150.00}. I talked to Macy 's fraud department, and they said they would investigate. They temporarily removed the charges and late fees from my account, however they have reinstated the charges to my account. They are reporting my account as derogatory to the credit reporting agencies. Finally, they have been harassing me via phone. They have called me at least 31 times this month, including 7 times on XX/XX/XXXX and 4 times on XX/XX/XXXX. I tried calling back several times, however I got a busy signal and was never able to reach them.