WillisBack/dataset-financial-user-claim huggingface dataset:
We received a phone call from XXXX from someone named XXXX XXXX working for XXXX Investigations. She said she was verifying I was at this phone number because there is a lawyer about to file in court about XXXX payday loans from 8+ years ago. She had my old address and drivers license number and the details of the debt. She said to contact a lawyer named XXXX XXXX in XXXX XXXX, VA at XXXX to discuss. She said there would be a warrant within 24-48 hours. The lawyer 's number had been disconnected. When I called the XXXX number, the voicemail said the phone belonged to XXXX XXXX. I googled this name and found many scams associated with it. I believe this is a scam, and it is worrisome that these people have my information. I 'm not sure if this is the right place to report this. I 'm not sure if the PayDay loan company shared his info with these people.
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Telephone : XXXX Web : www.equifax.com/personal/disputes We also obtained your credit score from this consumer reporting agency and used it in making our decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes. 

Credit Score : XXXX Score Date : XXXX/XXXX/2017 Scores range from a low of 250 to a high of 850. 

191 NUMBER OF ACCOUNTS 304 NUMBER OF NON-UTILITY INQUIRIES 331 PERCENT OF RECENT NON-UTILITY INQUIRIES POSTED RECENTLY
In a phone call on XXXX XXXX, 2017 two TransWorld representatives stated they will not discuss parking tickets in collections associated with a vehicle I own. They claim they can only discuss these tickets with my ex-husband, who was previously listed as an owner, in addition to myself, on the vehicle 's title. I am the only owner of the vehicle currently and have always been listed on the title. I am unable to discuss or settle my debt and as a result, will face severe material damages from being unable to legally operate my only vehicle.
XXXX XXXX XXXX is reporting negatively on my credit report and I was n't aware of the reporting until I checked my credit report and saw it. I have n't received any type of bill or notification of the past due amount but yet the company felt the need to report it negatively on my credit. The company responded with this We have already responded to this consumer XXXX dispute back in XXXX XXXX, XXXX, informing her that the payment was received and the account will be updated as paid in full. The account was received in our office on XXXX XXXX, XXXX and the payment was not made to the account until XXXX XXXX. This was also closed per XXXX on XXXX XXXX, XXXX.
Healthcare Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have disputed this inaccurate data fro over 2 months, They are not giving me a date of when I can expect to have it complete or resolved or to confirm. I have included my efforts, as you can see they have it listed under dispute with no due date, it has been in limbo almost 60 days
I submitted a dispute through Experian. {$68.00} was written off and the company ( XXXX XXXX XXXX ) is reporting {$68.00} is past due as of XX/XX/2018. How can that about be past due if it was charged off? The company refuses to remove it from my credit report even though there isn't a balance owed.
I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017 The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.
This Company premier holding address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX and phone # XXXX. 
I had a person call me by the name of XXXX XXXX claiming that she was from Premier Holding and that I owed {$2400.00} for a credit card that I opened. XXXX told me that I was responsible for the amount because It was opened with my SS # and my name. I told her that I never open any account. and she stated that they would settle for the amount of {$780.00}. in 2 payments. so it sound to me that it was a joke. XXXX said that they would come after my property and my car. so I got some what scared. XXXX asked me to give her my Bank acct. # and I did but called the bank after that call and to put a stop to any withdraw from my bank with that that company name.
I obtained a car loan through Automobile Acceptance Corp. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed. I had not taken possession of the car again after that time. On XX/XX/XXXX, Automobile acceptance reported to the credit agencies that the car was repossessed. ( Not sure why, maybe to extent the bad credit filing ) On XX/XX/XXXX Automobile Acceptance reported to credit agencies that I reopened the same account. On XX/XX/XXXX Automobile Acceptance reported to credit agencies that the car was repossessed. This leaving the account on my credit until XXXX. I have attempted to resolve this matter with Automobile Acceptance and the credit agencies with no avail. Automobile Acceptance continues to put fraudulent information on my credit report and refuses to correct their own error. I have only had one account with this company, which ended in XXXX upon them taking possession of the car.
I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES : XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and XXXX from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.
I am a XXXX for XXXX, XXXX XXXX XXXX and working with a homeowner, XXXX and XXXX XXXX. They have submitted a hardship package, paid XXXX consecutive TPP and awaiting the decision from their mortgage company, Wells Fargo. The client called in on XXXX XXXX to check on the progress of their modification and were told that no information could be given, a new representative was assigned, the loan was in " litigation '', and the only person who give them information was the attorney. Wells Fargo would not give the homeowner the phone number to call the attorney. The attorney was supposed to call the homeowner. On XXXX XXXX, the client came in to see me XXXX XXXX ). I called and was told that the loan was in litigation and Wells Fargo could not give out information. All information had to come from the attorney. When we reminded the representative, that the homeowner had requested the attorney call him per Wells Fargo procedure, and he had not received a call back, the representative sent and email and informed us that the required 48 hours had not passed. The homeowner came back in on the XXXX to follow up with me as I would assume the homeowner would have received a call from the attorney by now, the attorney NEVER called the homeowner and now there 's no reason to speak with the attorney since the loan is going back to the home ownership preservation department. Someone, again, is supposed to call the homeowner from this preservation department within the next 48 hours. We asked for a phone number for the home preservation department and she would not give ' this phone number to the homeowner to call Wells Fargo. Homeowner must wait for someone from Wells Fargo to call them. 
The homeowner 's application has never been denied. The homeowner is very concerned about the litigation. Is this dual tracking as Wells Fargo has the loan in litigation while still working the loan for a modification. 
The homeowners are very very concerned and upset that their loan is with attorney and can get no information on their loan while it is in litigation. 
My complaints are that the loan first went into litigation when the homeowners have an active application for a modification. 
And secondly, there is a time where the homeowner could NOT receive information on their loan. And, thirdly, there will be a third Point of Contact assigned to this XXXX application for assistance. 
The homeowner was XXXX payments behind when they started this process. They have been Wells Fargo customers for over 15 years. They experience XXXX hardship and now feel that they are not treated well. I am just trying to help Wells Fargo understand how this process is making the homeowner feel = ca n't trust them, are n't being treated well due to their hardship ... .Remember the homeowners are doing what Wells Fargo instructed them to do in their hardship situation. 
They feel like they are being treated differently and treated as if you are not as worthy as customers paying on time. Remember they are making the payments as instructed by Wells Fargo.
Capital One has reported that my credit card is overdue and that I have missed two payments. They have sent this information and as a result my credit score has dropped significantly. I explained to CapitalOne that I am a member of the United States XXXX XXXX and that I was unable to make payments due to being away from home for extended amounts of time. Also I was not aware of the autopay feature when I applied for the card. I believe that CapitalOne took advantage of this and as a result my account went delinquent. I have never missed a previous payment and I am a loyal customer.
Transworld Systems a collection company has been calling my home and cell phone number repeatedly. I do not owe any debts. They are not honoring the written request to prove a debt and to cease communications. 

I have gone through this with another company and despite sending certified letters requesting proof of a debt, cease and desist phone calls and to only communicate in written form, I still received multiple calls each day to my home and cell phone. I used CFPB and the company 's response was they realized I was not the person they were looking for. I will be pursuing this in a court matter.
On XX/XX/XXXX I notified my local law enforcement about an identity theft where a long time ( former ) friend had used my information to fraudulently obtain a large student loan in my name, when she was supposed to be helping me through a medical crisis. During that time, a separate fraudulent account opened with XXXX was also discovered. The original account that resulted in the initial police report has since then resolved and cleared from my credit. However, during the past two years, XXXX has made it extremely difficult to have the fraud removed from my credit reports and there are still fraud based negative reports on two credit reports that they are still refusing to remove. XXXX has been provided copies of the original police report through US mail, which they claim they have not received, and email correspondence. I have made several phone calls to XXXX fraud, the most recent dated today, and additionally XX/XX/XXXX, and XX/XX/XXXX ( three phone calls ) to resolve the issue. This doesn't include the numerous previous phone calls. XXXX claims that they have not deemed the account as fraudulent because, based on their policy, their company is not listed on the original police report. However, my credit reports state otherwise, with XXXX collection accounts having been removed on all three credit reporting agencies, and the original XXXX account removed with XXXX. However, during my XXXX PST phone call with XXXX fraud this XXXX, their representative advised me that the remaining original accounts will not be removed from Equifax and XXXX until the police report is amended or a new one is made to reflect their name specifically on the report. I am in contact with my local law enforcement and waiting for a reply from a deputy, although their dispatch is absolutely in agreement that the level of care that has been taken in the matter is not only greatly lacking but, basically, XXXX. I have also been in contact with the credit agencies and was advised by Equifax representatives, on Thursday, XX/XX/XXXX, that I have to contact law enforcement to find out the outcome of the fraud investigation to have the credit company remove it from my report. I asked how that is possible when the report was forwarded to another state and becomes confidential information and was told, basically, that was their policy and my problem to figure out.
Chase Bank closed my account without any prior warning. They refused to give any disclosure as to why the account was closed. I have been with them for 5 years with no other issues.
My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.
It has been 3 months since I accessed my credit at XXXX and discovered that Transunion has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The majority of monthly repayment monies is going towards the interest with no monies being applied towards the principal at all in some cases. For example, 0 monies were applied to the principal for the months of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment posted on XX/XX/XXXX reflects a - {$10.00} principal payment and a - {$440.00} interest payment.

The payment for XX/XX/XXXXreflects what I feel is a true calculated payment as - {$300.00} was applied to the principal and - {$140.00} for the interest. I believe there are discrepancies throughout the 13 years of history on these loans and reflects a gross inconsistency in the repayment of my loans.
I had an unpaid balance of {$1100.00} and was charged {$110.00} in interest in 1 month. My interest rate is 16.74 % and I should have been charged {$15.00}.
1. Equifax had until XXXX reported I had an XXXX XXXX cc account for XXXX years ( originally opened in XXXX until 41 years later I voluntarily closed it due to lack of use ). In XXXX Equifax dropped all reference to this account and lowered my score from XXXX to XXXX. XXXX and XXXX have had and do report this info correctly. Equifax should check their past records and correct this omission and adjust my credit score. 
2. Equifax also reported my XXXX XXXX XXXX cc as " lost, stolen ''. I phone XXXX XXXX XXXX on XXXX/XXXX/15 to voluntarily cancel cc because I do n't use it. It was never lost nor stolen. Equifax lists this as " derogatory information ''. They can verify the truth by contacting XXXX XXXX XXXX cc. This report statement should be corrected and deleted. XXXX made the same error but have corrected their report. 
3. These XXXX mistakes by Equifax have dropped my credit score from Excellent where I believe it should still be. They need to correct these XXXX major errors asap. 
4. Thank you in advance for assisting me as you have done in the past with credit reporting errors.
To Whom it may concern, I am a victim of a predatory loan, ever since I try to refinance the morgage company is not returning my phone calls, I was going througth a financial hardship and this morgage company came with terms that was supposed be better for my mortgage, I was paying {$2700.00} a month then they offer me that if I refinance things will be better. Studently when the new morgage payment came it was for {$3700.00}, I call them and call them and they never got back to me, my loan was {$350000.00} XXXX and now in the statemens say I owe them {$580000.00} XXXX ( with all the fees they say I owe ) yesterday I saw they put the house to auction for ( {$780000.00} ) XXXX, I am trying to contact the lawyer that has my case ( lawyer that works for lender ) and they being avoiding me too. I guess this my last resource before I go to the news and release my statement. Please help, I went to my house and the bank send someone and took all my documents in the floor and guess but the only took the loan papers everything else it was there, I guess they not trying to incriminate themselves. If you go online you will find a lot people taking about this morgage company, what they did to me they have done to other people. Please help, do n't let this criminal get away. I decided to take this step because I believe in justice! And even if I have to go to Washington I will because I am not gon na let them take my house because they think people has no education.
I was not informed my credit card would be closed. 
No phone call. No email. No received mail. 
Just a notification my account has been closed. 
I have had this credit card for years now. Ive never been made a late payment!
i am getting 14-20 calls daily on my cell phone, i have asked several times not to call during my work hours. the calls are sometime XXXX minutes apart.
I recently became aware of my credit file has previously been used to acquire credit from several companies that I did not authorized nor apply for. I am taking all suggested actions to protect my name and my credit to clear up these accounts from my credit file and protect myself now and in the future.
Did n't move in the apartment I was only given a offer package with details of the charges and term conditions. There 's no money order that shows I paid the move in amount. And, each document has different signatures along with fraudulent dates.
I recently received an unsolicited letter from Quicken Loans notifying me that I was " prequalified '' for a {$99000.00} 15-year loan to refinance my current mortgage ( actually a HELOC ) at a rate of 3.125 %. I called Quicken and asked how it was determined that I was prequalified, and the representative I spoke to said she did not know. When I gave her preliminary financial information, she said I was not eligible for that " product '' but was a good candidate for a 30-year loan at a rate over 4 %. I agreed to apply and authorized a {$100.00} charge on my credit card for a deposit on an appraisal. As I hacked my way through the insanely detailed application process, Quicken updated me, demanding ever-increasing documentation and telling me that I would have to close out my credit card accounts in order to bring my debt-to-income ratio to acceptable levels. Declining to cancel my XXXX credit cards, on XXXX XXXX I withdrew the mortgage application. When a local appraiser engaged by Quicken called me to schedule an appraisal, I informed him that I had withdrawn the application. However, Quicken charged my credit card {$390.00} for the appraisal. A " customer relations '' person at Quicken told me, after I withdrew the application, that he would look into the appraisal charge. But I have not received a credit. It seems that, after doing a bait-and-switch marketing ploy, QL hounds people to apply for loans on less generous terms. It does not inform applicants that they must close out current debts to meet XXXX and XXXX standards, since that would defeat the whole purpose of refinancing. ( This may be beside the point, but my credit card debt is not large or suspicious. XXXX of the cards is at zero percent interest, so I have no incentive to pay it off ; the other I pay in full every month, as I have for 20 years. My quarrel here is probably not with Quicken but with XXXX and XXXX. ) Most important -- and this is a separate problem that 's flat-out illegal -- QL levies unauthorized charges for appraisals not performed.
I am concerned about the validity and accuracy of the credit report which I acquired online ..They are just simply amazing! They put stuff on my credit report without even warning me about it. I am a victim of identity theft and the account is not my responsibility.. XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
On XX/XX/2018 I sent a certified letter to AWA Collections requesting validation persuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. The response received was simply an invoice which  did not include any information about my obligations to this debt. 

My next step was to contact the original account holder via telephone, and I was able to confirm that this debt was in fact sent to collections incorrectly, as my insurance at the time paid it off. AWA is refusing to remove the debt from my credit report, and has failed to provide me adequate validation of their legal right to even collect it.

Attached are documents sent to AWA, all other communications have been via telephone.