WillisBack/dataset-financial-user-claim huggingface dataset:
I went online to obtain my credit report from Equifax. Answered all the questions to the best of my ability ( looked up the answers to the questions asked since the questions were about lenders that were more than 5 years ago and paid off ). After answering, a message appeared that I could not get my report. I waited 24 hours tried again, the same message came up. I then called to straighten out the issue and 3 different phone representatives gave me 3 different answers and you can barely understand them due to their accent. I have now waited 48 hours and am still getting the same message of not letting me get my report. I have also tried to enroll into My Social Security and was told that Equifax is not letting me enroll. Who has so much power of my Social Security? I am hoping that my complaint will help my issue with this credit reporting agency.
I was notified by XXXX XXXX that there was a change on my credit reports and when I checked there was a negative remark about a collections debt from Diversified Consultants, XXXX, FL for a debt owed to XXXX XXXX. Diversified Consultants has never contacted me in writing allowing me the right to dispute this debt, which was originally disputed back in XX/XX/XXXX when XXXX XXXX was trying to collect the debt for XXXX XXXX. The Diversified Consultants basically notified me of this debt when they placed the negative remark to the credit agencies. Back in XX/XX/XXXX, I submitted a complaint against XXXX XXXX and XXXX XXXX, complaint # XXXX, regarding the same notification practices. At that time, the complaint was resolved by the debt being disputed, the negative remarks deleted from my credit report and it being closed.
My mother is getting her credit score affected when I was told by Navient 's Advocate 's office that they would not be reporting on her credit record as we are currently discussing recalculation of the loan.
A home phone account was opened up by my parents in XX/XX/XXXX, and two years later I was born. Upon running a recent credit report for refinancing my own home, it was discovered that my parent 's phone account was placed under my name, including a negative reporting that showed up on my credit report. My father and I share the same first and last name, but we are not a XXXX The phone company ( XXXX ) has been extremely difficult to work with in getting this resolved. I understand this can accidentally occur when family members share names, however since it was their mix-up, I feel they should be the responsible party for clearing this up. They transfer me from department to department, which also results in many disconnected calls. I 'm exhausted of telling this information time and time again, however they do not seem to care about working this out in a timely manner. Rather, it seems that as long as it does not affect them, the customer is responsible for their ( XXXX ) mistakes and the legwork involved in cleaning it up.
I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
I recently quoted with XXXX. I provided accurate information to XXXX in order to obtain auto insurance to replace my current policy with XXXX XXXX, which ends on XXXX XXXX. I was quoted $ XXXX/month for 6 months under terms that provided for several liability coverages, and also included {$200.00} deductibles for comprehensive and collision. 

Upon entering my license, XXXX stated they they found additional information in my reporting file from LexisNexis, and increased the rate to approximately {$1100.00} for a 6-month policy term. This rate was increased from about {$690.00}, a total increase of almost {$500.00}. 

XXXX indicated that the increase in the quoted amount was due to the LexisNexis report signaling that I have failed to continuously maintain insurance for the past 6 months. This is untrue ; I have maintained continuous insurance for over 2 years on various vehicles and my current policy does not expire until XXXX XXXX. 

This inaccurate information is going to cause me damages of approximately {$500.00} over the next 6 months. I want LexisNexis to correct the inaccurate information about me in their file, and for XXXX to honor their original quote, which reflected the accurate information that I provided them.
My Chase Credit Account was closed on XX/XX/XXXX. I was notified on XX/XX/XXXX when I was trying to buy something and was declined, then tried to contact Chase, that the account was closed. However ... 

On appx. XX/XX/XXXX, I contacted Chase to make a {$600.00} payment, ( I owed them XXXX on 0XXXX  ) since it was past due. I was successful making this payment go through, and my balance was updated to {$490.00} from {$1000.00}. However, Chase at that date NEVER told me my account was closed or in trouble. I did explain to one of the specialists whom she took care of me, that, I apologize that some of my payments never went through, because I was out of country, and my debit card, or account, was basically not working, but I didn't know when I was in XXXX. 


I contacted Chase today, yesterday to get more clarification regarding my account. And I also apologized to them for any inconvenience and hoped my account was reinstated. However Chase wasn't willing to help. I didn't get a straight reason why my account was closed, and I should have been notified when I called them at XX/XX/XXXX, when I was making the {$600.00} payment. I would have only made the {$80.00} payment, knowing at that time my account was closed.
My husband lost his job. He was told to go home from the Social Security worker he talked to and they filed for his XXXX. He was denied. He is currently on SS retirement but when his XXXX was denied, he was told to re-file. This has severely cut into our income and I am unable to currently make the payments to Rise that they demand. I have tried talking to several representatives but no one can seem to help me. I have done a couple of deferrals and of all things, they have added so much interest back to the loan at this point, I do not know how I will ever pay it off. I thought maybe I could do an early payoff using my tax refund, but I can not even get close to paying it off now because of the added interest. If this is an installment loan, and I pay it off before the maturity, I should be not have to pay the total interest on the loan. I am trying to figure this out but they are going to affect my credit and make it impossible to pay them. I am willing to pay them a reduced amount every month, but no one will even discuss this with me.
The company XXXX XXXX  XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
I purchased and item from a merchant and used PayPal to pay because of the buyer protection program, I received the item 30 days later and damaged. I contacted the seller and did not respond I filled a dispute with PayPal, unfortunately they did not investigate the case and decided it in favor of the Seller. I sent the pictures of the item showing the damage and the email from the seller who later had accept to refund money based on the damage, I was surprised that PayPal would insinuate that they can not rely on information provided by me, yet they can rely on information provided by the seller in XXXX to make a determination. I have forwarded the emails to PayPal sowing the conversation and the pictures of the items and still no determination has been made.
My husband and I were in the process of buying our first home. Someone posed as our escrow officer of XXXX XXXX XXXX and emailed me wiring instructions which I took to XXXX XXXX XXXX XXXX. {$20.00}, XXXX was wired to a fraudulent account at Wells Fargo Bank. On XX/XX/2017 I found out that my money never made it to the actual XXXX XXXX XXXX. On XX/XX/2017 I was told that my money was still at Wells Fargo in the account I wired to, however, Wells Fargo had frozen the account and will not release the founds at this point with out the owner of the account 's approval which the whole process was a fraud. It is a fraudulent account. XXXX XXXX XXXX XXXX has done two recalls of funds, however, wells Fargo refuses to return the money knowing that everything was a fraud.
On XX/XX/XXXX I received mail dated XX/XX/XXXX from Transworld Systems , Inc trying to collect {$1300.00}. Company could not produce any contract I signed for XXXX XXXX. Their company buys debt from others looking for revenue. I received no phone call or letter. Most companies trying to collect debt in Maryland from Delaware and Pennsylvania offices are frauds.

My information was either sold or obtained fraudulently by this Creditor operating in the most discriminatory areas on the XXXX XXXX. I do not owe Transworld Systems, Inc. Someone sold my information without authorization or this company tracking my credit score. I do not have use XXXX XXXX XXXX
I had Equifax enter information of a judgement against me that really belonged to a different XXXX XXXX. This report reflected their credit score that they transmit to FICO and the other XXXX credit reporting agencies. Which then reflects onto their reports. The judgement is for a person with the same name but different social security numbers. This is the 2nd time in 2 years Equifax has done this. They should be required to verify identifaction before they submit information on a report.
I have been on economic deferment since I left college and my student loans are through XXXX XXXX XXXX, XXXX and Salle Mae. All of my loans are currently in good standing except for Salle Mae. They sent my loans to a secondary company that I was never able to call or contact. Every number I was given from the collection agencies and from XXXX to reach the secondary agency just lead to a phone number that listed offers for XXXX gift cards and XXXX services and then you could never get to an agent to try and find out why the debt had been sent there. I filed a dispute with a lawyer through XXXX services, but was never contacted again about if anything had come from it. Now there are XXXX loans in collections and they took my last years tax returns. Any attempt to file anything with Salle Mae was always difficult and I filed my documentation through FAFSA. My biggest concern is that SallyeMae had a secondary company it used that was unreachable and then they just had XXXX send my loans to a collection agency although I had filed forms with FAFSA for economic deferment and now they have gone so far the companies will not pull them back and the collection agencies do n't recognize economic deferment. I get countless calls a day from autodialers that do not leave voice mails and my tax returns are going to be taken again next year. Prior to this they in 2008 I was attending school and they were calling me telling me I had to repay my student loans although I was in school and was exempt.
I have had a bill for XXXX $ in collection as a result of a phone plan I had gotten with XXXX. After approximately 2 months of service, I recieved my first bill and the amount that was owed was not in the amount the sales person quoted me on. I disputed the amount with the store at I got the quote and they assured me that they had said the right amount. I showed them the writing that had the specific amount my bill was said to be by the sales agent which was different by 40 or 50 dollars. After showing XXXX that and them not wanting fullfill their end of the deal I chose to terminate my service before the 3 months was up that I was told to be allowed to cancel my contract. Which is what I did. Then I took my business to XXXX whom at the time had a deal to pay off any early termination fees with the current cell plan to switch over to XXXX. I chose to do that, and XXXX was to mail me a card to pay off my XXXX bill. Now that I have spent 1 yr trying to get XXXX to send me the prepaid card to do that, I have yet to have XXXX mail the card to me because of the final bill from XXXX not having enough information for XXXX, as well as the picture I was supposed to take of the XXXX bill being the right file type for the pictures to be submitted online as I was told to do by XXXX ( not to mention the 2 or 3 times going into XXXX with the bill itself only to be told they could do nothing except what I have done from home ). Now I have been stuck with a XXXX $ collection bill as I stated from XXXX, that XXXX is actually liable to pay. My credit now being hurt and my time wasted as well as 2 phones I owned having to be given to each company.
cin.bell refused to honor my promotional fee when I moved from my house. I was being charged more than i was before. I tried calling to have this fixed and even filed XXXX complaints with the XXXX. This is not the XXXX time this has happened. the last time I had their service I had to file with the XXXX and that time it was corrected. I continued to pay what i was told while working to get the situation fixed. At that time they were charging me late fees and a higher bill. I had the service shut off in XXXX and returned all equipment. They continued to charge me for another 6 months which i did get fixed and was told I would get the final bill in XX/XX/XXXX Didnt get it till XX/XX/XXXX.and was working on deputing the charges again but now Its on my credit report.They are charging me for a cable they said I did not return which I did. I dont owe this amount they are trying tocollect. I have proof with my billing statements and checks that the billing was inconsistant to what I was told.
XXXX   Confirmation #  XXXX    XXXX   XXXX    XXXX   XXXX  GA  XXXX   XXXX   XXXX  File #  XXXX   XXXX   XXXX   XXXX  PA,  XXXX  Experian Report Number #  XXXX    XXXX   XXXX    XXXX   XXXX , TX  XXXX  To Whom I t May  Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Oh  XXXX  DOB :  XXXX  Current Employer :  XXXX   XXXX   XXXX   XXXX   XXXX  Position :   XXXX    XXXX   XXXX  Cell Phone :  XXXX
The local Government and XXXX XXXX and XXXX XXXX took my house after I payed it off.I have ths proof to prove it.Judge XXXX, AttorneyAuthment XXXX XXXX XXXX Manager, and sheriff XXXX was all involved.I need some help getting my home back.
I have been on an income driven repayment plan with Navient ( f/k/a XXXX XXXX ) and every 12 mnths they need to " update '' your information so you have to re-apply for the income driven payment. I have a husband and they insisted that the only way to not have him on the loan was to switch my plan to Income Sensitive repayment plan. So before my plan was due in XXXX XXXX I called in XXXX, they told me to wait until XXXX, I called in XXXX I submitted my information for the income Sensitive plan. Meanwhile every year I have been paying, at the end of every 12 mnths they have placed my account in foreberance until it re-activates. I have called 5 times and not one person has advised me where my account stands. I have a payment which is due in XXXX which is over double my payment which I normally pay every month. I was told on my third call into Navient that my account would once again be placed on foreberance, I did not request it it was done for the transition time to switch to the new plan. I have an email stating that my plan is in foreberance until XXXX XXXX but my account does not show same. My account is not in foreberenace I have a large payment due in XXXX. I was last told on my last call that my Husband could have been omitted from my plan and I would have never had to pay a {$5.00} fee ( which I was charged twice for ) for to switch plans. And to be able to switch plans to income Sensitive I have to pay the payment of {$900.00} to exit the income driven plan. I was never told this information, I am now stuck with over {$1500.00} that is due in a matter of days that I made clear to them I could n't afford which is why I am on an income plan. They have not been able to help with me since I contacted them in XXXX. I have an account that is going to be past due because not one employee there can give me an answer as to what exactly is going on with my account since XXXX XXXX, everyone has a different answer. I need help, I ca n't afford this and now I am stuck with everything going against me. Not only have I been working to pay my payments every month, I have gotten nowhere. My account has been placed in foreberance so many times my loan is actually larger then the originating amount because I ca n't simply continue through the year to may my payments I have to be placed in foreberance.
On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX  Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.
My previous apartment complex used falsed dates in an attempt to collect money that i did not owe. The complex filled out a statement with the managers signature and date saying i did not owe them anything and then filed for collection 7 months later. I knew nothing about a debt until i received a letter in the mail in XXXX of this year. I was told by the collection agency that if i faxed over the paper from the apartment manger saying that i did not owe when we moved out then they would use that to dispute the said debt. After doing what was asked, they repeatedly said they didnt recieve it and were very rude and said that if i did not pay they would mark it as refusal to pay. When i went to talk to the apartment manager at the complex that says we owe for weeks she gave me different responses and even told me to come back for pictures of proof which needless to she eventually could not find. I still have the move out statement that was submitted to the agency with dates like XXXX XXXX which doesnt even exist. And i also have the letter saying i did not owe. This debt is false.
In   XXXX   2017 I was contacted by phone at my employer in an attempt to collect a student loan debt. I have no student loans and informed the debt collector of that. I verified my middle name does not match that of the debtor they are trying to collect on.
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On  XXXX / XXXX /17 I was informed by my employer that the debt collector had filed a wage garnishment. The paperwork received states it is for an individual with my same first and last name, but with a different SSN, middle initial, and address than me. It appears the only thing the debtor and I have in common are a first and last name.
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The debt collector was informed that I am not the debtor on the  XXXX  2017 phone call and proceeded with an improper wage garnishment.
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The debt collector is Performant Recovery, Inc.   XXXX   XXXX   XXXX  ,  XXXX  , CA  XXXX . The account # is  XXXX .
Someone by the name of XXXX, XXXX # XXXX of XXXX, A XXXX is making outrageously erroneous statement ( s ) on XX/XX/2017 that BOFA Merrill Lynch XXXX has a contractual relationship with Bank of America , National Association, and Bank of America , National Association acts as BOFA Merrill Lynch XXXX as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page XXXX of XXXX, and go to second Attachment.
I defaulted on a XXXX XXXX XXXX credit card because I did n't have enough income to pay it. They sold it to XXXX XXXX XXXX and for several years I paid $ XXXX/ month on it. Then the IRS, who is auditing our personal accounts, asked for verification of the debt and the interest charges along with the end of the year disclosure that they needed for verfication. I passed IRS 's request along to XXXX XXXX XXXX, and I never heard from him. No I am hearing from some company named XXXX ( sp? ). I can not understand their debt collectors. They have refused to give me any paper back up to what they are telling me. I asked them for the same information for the IRS and only receive more telephone calls.
There was an incorrectly reported 30 day late payment on a XXXX XXXX  revolving account. I spoke with the creditor who told me what to do ( go through the dispute for it to be corrected. ) On XXXX/XXXX/2017 ( # XXXX ) I disputed as instructed, investigation was completed on XXXX and it was corrected. ( Screen shot of correct reported attached ). However, after this was completed and corrected, Equifax re-added the 30 day late. I have continuously tried to get them to fix this to no avail. I do not believe that Equifax is investigating and reporting the correct information as should.
i fully expect pnc to provide a script as an excuse to use the card act or some other excuse to try to keepo the XXXX i have read other custoemrs have left the bank due to this. I was charged 1.50 interest on approx XXXX dollars owed on my card ending XXXX I mistakenly paid it XX/XX/XXXX not the XX/XX/XXXX as my history indicates i would have. The payment system on pnc.com is hard to use. it does not allow you to confirm payments, does not allow you to do more than one in 3 days. Right now in my life i am not too organzied and i did not realize what i did. until it was too late. AS a scripted approach they tell me they alreayd refunded one to me. a 1.50 which they did. and they then try to tell you they cant treat you differently than others. Any other bank would give it back since my history indicates it is an accident. and the payment system could be much more customer frinedly please refund it without all the excuses. please. 
refund 1.50 i wont be using either account to avoid this issue which has happened to me before. 
i know its valid. i also know its clear this is an accident and if you value my business do the right thing without investing your resources telling me no which i totally expect
Experian credit report shows two inquiries on my file from XXXX XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both XXXX and Experian regarding the XXXX inquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.