WillisBack/dataset-financial-user-claim huggingface dataset:
I went to Lincoln Tech in XXXX, GA in XX/XX/XXXX and I received Financial Aid. I graduated from the school, then a few years later I received a letter saying that I owe the school, but I don't!! I NEVER signed any loans to pay for the tuition, it was all done by Financial Aid. My very first loan was with University XXXX XXXX in XX/XX/XXXX, not Lincoln Tech. Lincoln Tech could not provide any proof that I owe the loan. In XX/XX/XXXX, my wages were garnished by some unknown collection agency called XXXX XXXX XXXX in XXXX, MI on XXXX XXXX XXXX XXXX XXXX. and their XXXX number is # XXXX. I contacted this company to ask them to provide proof that I owe this fraudulent loan, but they couldn't provide anything! The lawyer ( XXXX Something ) even asked me if I attended Lincoln Tech and I told him I did and I graduated but I did NOT fill out a loan. The judge still garnished my wages even though this " lawyer '' and the school showed no proof. This " lawyer '' has taken {$5000.00} from me already without proof that I owe anything. This fake " loan '' is not even on my credit report. On the national loan website ( NSLDS.GOV ), this grant is described as a grant- NOT A LOAN. Please research this and investigate this manner. I've been calling US Department of Education and even they could not locate this fake " loan ''. Lincoln Tech was NO help, because they have no proof.
I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. I will attach all the certify letter sent to the creditor. Thank you
I began receiving debt collection calls from XXXX-XXXX-XXXX, NCC Business Services. The first call that I can remember was Friday, XX/XX/2018. 

The debt is regarding a past due rent at an apartment complex, however I have never received any documentation from the collection agency. The amount is approximately {$1000.00}. 

The representative on the phone tells me how much I owe, but has not provided by mail any sort of documentation. I have told the representative that the address on file is not correct, but no attempt to fix has been made. 

I am willing to pay the portion of the debt I am responsible for, but not without written promise that it will not be reported to credit bureaus. The collections agency refuses. Im obviously not willing to pay without this written promise, as well as not being able to see the documentation. 


To this date, I have no received any documentation from collection agency regarding the amount or that I have right to dispute. I have not lived in former apartment complex for over a year.
My CHASE account was restricted. It went through days of investigation and when the investigation was complete they claimed they sent me a check for the remaining amount on XX/XX/2017. Today is XX/XX/2017 and still I have received no check. They told me to sign an affidavit and indemnity agreement which after reading I realized will take all legal liability for the check away from chase. Everytime I call I get the run around and nobody can seem to provide me with any valid information that the check was indeed issued. They want their customer 's to sign this form but I 'm uneasy because thus it 's been 30 days and I have n't gotten the first check, why would I feel comfortable in signing a document that says the " first check '' they issued is now void and to wait around for them to hopefully send me a " second check ''. I 'm convinced that the first check was never mailed. It does n't take 30 days to receive a check in the mail. Every time they mail something out in regards to that account I always get it at the address that I have on file with them.
Property Address : XXXX XXXX XXXX, XXXX, FL XXXX My last day of tenancy with XXXX XXXX XXXX ( XXXX XXXX. XXXX, FL ) was XXXX/XXXX/XXXX. I provided my forwarding address via email and in writing. I was to receive a Security Deposit Disposition form with an itemization of charges of the final billing. I received nothing. Not even a certified letter or no notice of an attempt to deliver a certified letter. 

On or about XXXX XXXX, XXXX, I receive a call from a debt collector requesting payment of $ 1,800.00+ on behalf of XXXX XXXX XXXX 

I demand to obtain a copy of the itemized billing so that I can validate the debt. 

ALSO NEED THE CERTIFIED USPS DELIVERY TRACKING NUMBER OF WHEN THE FIRST STATEMENT WAS SENT BACK IN XXXX ( probably the XXXX of XXXX according to National Credit Systems )
I had an account with XXXX that became 180 days delinquent in XX/XX/XXXX. The account was never brought current and reported negatively on my credit report until the account was sold in XX/XX/XXXX. According to the FCRA 623 ( a ) ( 5 ), this account should be removed from my credit report. It has been re-aged by the original creditor to reflect a different date of default The account has been aged more than seven years from the original date of delinquency and should be removed from my credit report.. I have supplied a copy of my credit report from XX/XX/XXXX showing the original status of the loan, prior to it being transferred to another lender.
The interest on my card is reflected as part of the minimum payment and again applied as a purchase against my available credit. It appears to me to be double dipping. the interest depletes my payment. Reducing the amount applied against balance. Then again applied against the available purchasing power.
I am the spouse of the primary holder of a Discover credit card. I am an authorized user and for many years have managed the business of this account. Discover Card has written authorization from my wife and primary holder, on this account. However, Discover refuses to allow me to be a " joint holder '' because of " insufficient income ''. Not being a joint holder locks me out of important business matters regarding this account. This seems incredibly arbitrary and discriminatory to me. This has been on ongoing problem with Discover and recently has caused problems with the management and fees for this account.
Title Max in XXXX has made numerous attempts to collect a debt owed to them by a woman with the same name on a vehicle I do not and have never owned. The only commonality we have is our names. She has a different birthdate, address and last XXXX numbers of her social. They have left notices on the rental house I own and a family members address which I do not live at. After speaking to them ~6 weeks ago I was assured that they would remove my addresses from their system and I would not be bothered again. 
Today a tow truck company they subcontract showed up to the house I rent and live in to collect the vehicle. " XXXX '' in XXXX claims they got this address from Title Max. I spoke with Title Max again and they claim they do not have my current address anywhere in their system and they do not know how XXXX got it. 
At this time I am being continually harassed by Title Max and their subcontractors over a debt I have never had with them. I believe they used my name and Google to try and find the woman who has outstanding debt with them. I am concerned that they will show up to my place of work or other family member addresses and continue to harass me. 

Title Max in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXXPhone ( XXXX XXXX XXXX
Denied federal funding and had to use private loans through Discover Student Loans at higher interest rates, unable to choose payment plan for interest repayment. Graduated from XXXX XXXX University XXXX, SC. XXXX also mislead me as to the availability of classes, I would 've not graduated if i did n't take summer courses due to the limited availability and degree requirements.
Equifax credit report XX/XX/XXXX : they have not deleted fraudulent soft inquiries for XXXX done XX/XX/XXXX for fraudulent credit card application, and for XXXX done XX/XX/XXXX that resulted in an actual account being opened in another state that was fraud. I want these soft inquiries deleted from my report.
i have previously through the Credit Reporting Agencies, stated that this is the result of Identity Theft and Portfolio Recovery Associates, will will cooperate with me.
It has been more than 60 days since I wrote to experian and I have not received any status of my request.
While reviewing my Equifax credit report on Sunday, XX/XX/XXXX I noted two items which do not belong to me and which I think may be related.

1 ) There is a home address listed that does not belong to me because have never lived in the XXXX. Please remove this misinformation from my credit reports. The incorrect listing is : Equifax XXXX Former Address XXXX XXXX XXXX XXXX   NEW YORK XXXX 2 ) There is a credit debt listed by a company with a {$830.00} debt listed I do not recognize but has the same address of one I do. Please remove this misinformation from my credit reports.

The unknown credit card company and balance is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ N/A Charge $ USD XXXXXX/XX/XXXX The known and acknowledged card company is called Renovate for a debt of {$810.00}. I paid that debt in full in XX/XX/XXXX. Its listing ( twice for some unknown reason ) is : XXXX XXXX XXXX XXXX XXXX, NJ N/A N/A USD XXXX XX/XX/XXXX A third error is with XXXX XXXX. After I paid my account in full, the bank closed my account and reported a derogatory comment. I have a XXXX   balance and will never, ever do business with XXXX XXXX for its treatment of me both when I had my car financed by it ( which I subsequently refinanced at another financial institution prior to this transaction and since also paid in full ) as well as this credit card listed below. The error is that I owe it money which I DO NOT!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT N/A Account closed by credit grantor $ USD XXXX XX/XX/XXXX I would appreciate these errors being removed from my credit histories. If you have questions, feel free to call me at XXXX. Thank you, XXXX XXXX XXXX XXXX
On XXXX/XXXX/XXXX, Blitt and Gaines were awarded a Wage Garnishment against me .The total amount of the garnishment ordered by the court was XXXX and was started on XXXX/XXXX/XXXX. I have each pay stub that showed a deduction was made and for how much. On XXXX/XXXX/XXXX, I faxed my payroll company the final pay stub of the year for XX/XX/XXXX, XX/XX/XXXX and my pay stub dated XXXX/XXXX/XXXX which showed that as of XXXX/XXXX/XXXX, there has been a total of XXXX that had already been deducted and paid to XXXX and XXXX which left a balance of XXXX to satisfy the judgement. I faxed all the information to my payroll company on XXXX/XXXX/XXXX. Payroll contacted Blitt and Gaines and emailed me stating that according to Blitt and Gaines, I still owed them XXXX and payroll could not stop the garnishments until they received a Release Letter from Blitt and Gaines. On XXXX/XXXX/XXXX, another XXXX was deducted which now goes OVER the court Wage Deduction of XXXX. On XXXX/XXXX/XXXX, I faxed all relevant documents to Blitt and Gaines showing exactly how much they had already received and a copy of the Wage Deduction order and the amount and requested that they email myself and mail my payroll company a Release Letter as I have met the amount owed.I even included an exact breakdown of the date of check and amount deducted. I also requested proof as to the additional dollar amount they claim I still owed.To date, there has been no response from Blitt and Gaines, my pay checks are still being garnished even though I have now exceeded the amount mandated by the court. I have read many reviews on Blitt and Gaines and it appears that they make a habit of collecting well over the amount they are allowed and that is theft.
There are XXXX collections items that appeared on my Experian credit report in XXXX, XXXX that I have never had accounts with. The first is XXXX XXXX XXXX ( original creditor is XXXX XXXX ). They are tying the account to an address I had with my ex-wife XX/XX/XXXX but have not lived at since. Their last email to me from XXXX XXXX, XXXX Customer Relations XXXX, XXXX XXXX says that while my social security number does not match the XXXX on the account, he has " reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' They are saying this previous address ties me to the account even though I have not lived there in over 30 years. The problem is, they can not find the person the cable account IS tied to so they are refusing the resolve this issue on my credit report. I highly suspect they are now blending my file with someone else 's because since these collection issues were erroneously put on my report, several new addresses have been added that I do not or have not lived at ( all XXXX addresses and an address in XXXX, XXXX ) that just appeared since XX/XX/XXXX. I lived in XXXX, XXXX for 27 years before moving to XXXX in XXXX. 

The second collection item I challenged was with XXXX XXXX XXXX. After doing an investigation, I received a notice from Experian saying the item would be deleted. But two months later, it is still on my report as well. I have done my due diligence by showing my previous MD address ( during the period of these XXXX collection items ) which proves I did not live in XXXX, MD when the accounts were set up. In addition to the collections items on my Experian report, Equifax also has the XXXX error on my report and will not remove it either. I have XXXX and can ill afford to hire a lawyer as my first course of action. I have successfully enlisted the help of my Congressional representative in the past with other issues and will likely pursue this as my next course of action. I 'm hoping your Agency can resolve this before I have to pursue that route since your role is to oversee the fair practices of the Credit Bureaus.
Banco Popular de Puerto Rico is reporting as adverse an account from XXXX as a Real State Mortgage debt in my credit report with delinquency of 120 days in XXXX to XXXX. 
1. The original creditor was XXXX and was not a Real State Mortgage.

2. They both creditor are ignoring my right to verify the debt and sending me one to the other. 
3. It's a time-barried debt.
NCC Business Service collecting for XXXX XXXX XXXX for daughter 's apartment rent. I ( XXXX XXXX father ) was on the original lease. Lease expired, under pressure daughter signed new lease ( XXXX XXXX did not ). Daughter moved out XXXX charged daughter XXXX XXXX with breaking lease. Sent lease collection to NCC. NCC/XXXX have XXXX XXXX under collection but he is not on the lease. XXXX cant provide proof XXXX XXXX was on lease but still not changing credit score. NCC will not provide proof of lease either.
This complaint is being filed for my XXXX Anywhere Visa Card ending in -XXXX regarding a billing dispute in the amount of {$510.00} with the merchant XXXX. A hotel stay was booked through the site " XXXX '' from XX/XX/2018 to XX/XX/2018 with a hotel in XXXX XXXX. An initial complaint was filed with the CFPB disputing the validity of this charge mentioning the condition of the room and how severely uninhabitable the room was upon me entering it. The carpets in the room was extremely dirty ; there were several leaks in the ceiling of the restroom which reeked of human feces and urine along with the fact that there was a severe bed bug infestation to the point where I developed XXXX and XXXX XXXX on my skin. All of this was mentioned during my initial dispute of this charge with Citi and documentation, including photographs, were provided to support my statement. 

I was told from the initial CFPB response that this was a " nonrefundable '' charge. I would like to address that point right now. I do acknowledge that this charge was non-refundable however, it was based on the condition that the hotel provided a room that was as advertised during my booking. The hotel deliberately and falsely misrepresented the condition of the room - which in turn, equates fully to false advertising. I should be fully refunded this charge based upon the misrepresentation of the condition of the room during my booking. The hotel DID NOT provide a room that was livable by any means ( as described above ). I developed XXXX XXXX on my skin that required hospitalization. I expect, at the very least, for this charge to be refunded as the hotel DID NOT live up to their promises and the expectation of providing a room that was as advertised during my booking. The hotel, instead, provided a room that was filthy, contaminated and infested with bugs. 

A civil lawsuit is in the works against the hotel for injuries suffered during this stay. Accordingly, this charge, at this time, should be rightfully reversed and a credit be given in light of the evidence submitted to Citibank during the initial filing of this dispute. Statements, backed up by photo evidence, was submitted during the initial dispute of this charge. I fully expect a credit for this charge as this hotel provided a room infested with bugs which was, extraordinarily negligent and illegal - on the basis of injuries suffered by me, gross misrepresentation and false advertising of the room.
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .Myname is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I do not and have never lived at the mentioned addresses above.
I received an email from XXXX XXXX indicating that a hard inquiry had hit my credit report ( Equifax ). It showed as a hard inquiry from XXXX on XX/XX/2018. I do not have XXXX nor did I apply to receive any of their services. I have called Equifax and they said I would need to call XXXX to have them contact Equifax to have the inquiry removed. I called XXXX and they said I would need to call Equifax. I have been bounced around by everyone. My credit score is over 800 and I do not want a fraudulent hard inquiry be reflected on y credit. You help would be greatly appreciated.
Way back in 1996 I went to XXXX for XXXX semester. The school was a XXXX minute car ride and I had to withdrawal. At that time the I owed approximately {$6000.00} dollars in student loan debt. Since then my loan amount has been sold and transferred to different loan " servicing '' companies and the amount has ballooned to {$29000.00}. I feel that I am the victim of predatory lending practices and I need the help of Consumer Financial Protection Bureau. I would like to be able to pay back and finally be rid of this obligation but I wont be able to afford this very high balance. Thanks for your help.
I had gotten a auto loan from home credit inXX/XX/XXXX when I purchase the car loan I had gotten it for my ex wife XXXXXXXX XXXX which is also on the car loan as a reference.., during the time the auto loan was in her possession on XXXX XXXX XXXX  ... XXXX XXXX  nc ... XXXX  in XX/XX/XXXX before our car got repossessed I had set up a payment arrangement to set the payment to be drafted out of my account and which the company did get their payment ... at the time of my repossession I was only 2 months behind ... I felt as I was done very wrong at home credit because I was doing everything right by open communication ... they never told me that they was going to repo our auto loan ... and because it was in my name it has greatly impacted my credit ... we all fall short at times but when you try to pay your auto loan to keep from getting a repossession its very hurtful ... I tried contacting the XXXX  home credit and call the main office in XXXX   nc ... .and my wife also left messages and I never received any calls back.. my wife as of now is XXXX XXXX and now we are joint together on the credit report and its affecting her credit as well ... I have proof and documents of when I paid to home credit the same month they repossession the auto
Wakefield and Associates has called me nonstop for over a year, claiming I owe for a medical debt that I have paid off as a minor. In addition, when requested proof of debt I was told they do not need to supply me such documents. After this, I simply hang up. The most recent call was XX/XX/2018 at XXXX XXXX CST. Other calls after requesting not to contact and to only mail me proof of debt include : XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  CST, XX/XX/XXXX XXXX XXXX
I have 3 different accounts on my credit that has been closed out for awhile now and it still shows on my credit I would like for them to be removed. The companys are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been in contact with all 3 companys and nothing has been done
My brother XXXX XXXX has been stealing my identity for over 10 years. He has used my identity to receive medical services and anytime he was arrested. This has caused a great amount of stress, as each time it has happened I have to file a police report, take time off of work to go to court to prove that it was not me that committed a crime and having to call each debt collector to fix these issues. 

XXXX received services from XXXX XXXX using my name and SSN and I got a collection letter 3 years later for this. I have called Argon to explain this and mailed a letter to them with my filed and they have yet to provide me with the medical bill or any further proof that it was indeed me ;.
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
On or about XX/XX/XXXX I sent validation of debt requests to XXXX XXXX ( 2 XXXX accounts ), Portfolio Recovery Associates ( XXXX   account ) and XXXX XXXX ( XXXX XXXX ) I specifically requested that the collection agencies provide me with competent that showed I was legally obigated to pay for the negative collection accounts. XXXX, Portfolio and XXXX sent me some old account statements from years prior but did not provide me with a original contract of indebtness ( contract ) while fully knowing they would need an original contract to prove my alleged responsibility in a court of law. I also ask for their Georgia business license number showing that they were legally able to attempt debt collection in this state. I was not provided any Georgia business license number or any information showing they could operate in the State of Georgia. XXXX, Portfolio and XXXX continue to report the negative collection accounts as " accurate, verified '' on my credit report without providing me legal proof of their alledged verification which is a violation of FCRA and FDCPA. Furthermore Portfolio Recovery is in direct violation of the CFPB XX/XX/XXXX Consent order number XXXX by continual refusing to show proof of alledged verification of debt and lying to consumers by telling them debts was verified while not having account-level documentation from their electronic purchases
XXXX  XXXX XXXX and Capital One is showing as OPEN and MANAGED BY A DEBT AGENCY. This program was canceled, Capital one and XXXX was notified that I was no longer in the program. I pay my payments DIRECTLY to XXXX as well as Capital One monthly and have also contacted them via telephone in regards to these issues with NO RESOLUTION.