WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Bless,,, ,Im very concern about these medical bills that has my life a bit sour .... Iam XXXX,,, I 'm on XXXX/ XXXX ... .Before I became XXXX..I was on XXXX..Please overlook at this problem, I am trying to fix my credit, it is very hard when my income is counted for to pay my rent, vehicle, insurance, utilities, my child 's school,,,, such a small amount I recieve monthly,,,,, Please bare with me and consider removing those from my record,,,,, also for the XXXX I sent them the boxes two years ago,,,, and as of XXXX,, I have XXXX and I am paying faithfully every month,,,, my van 2004 XXXX XXXX XXXX,,, Iam the cosigner, my father is the XXXX signer,, though I am the XXXX paying the auto loan XXXX faithfully for the past 3 years it is not fair that I do not receive any kind of credit! please consider ... ..Thank you great fully and sincerely!! Hope to hear from you soon!
I have been contacted from the number XXXX XXXX and XXXX XXXX and threatened for non payment of loan, which was paid. The company did not give a name but they said it was a law office in XXXX XXXX California and said a sheriff would be sent with paperwork if not today, in a couple of days. I stated what they were doing was against the law and they said it was n't. Please stop this company and their tactics.
Medical treatment received from an automobile accident. The 3rd party and XXXX accepted responsibility. The insurance company states this has been paid. After sending documentation numerous times and discussed on the phone, the debt collection agency continues to call, send mail and reports to the credit bureaus. I have had to send documentation to the credit bureaus to have this removed, sent documents to the medical facility, insurance company and debt collector with continued harassment.
I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX and on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete information still contained in XXXX XXXX # XXXX account after the dispute. 
1. Account opened on XXXX/XXXX/XXXX and no payment history is reported from XXXX XXXX. 
I have previously disputed this account and as of the last update the account still contains the inaccurate data. Enclosed is a copy of driver 's license, copy of the reporting of the XXXX XXXX # XXXX account, Copy of the Certified Letter sent on XXXX XXXX
Note, none of the categories properly fit this problem. TD Bank issued a XXXX INT for accounts which did not belong to me. Visited the branch twice but the issue never resolved.
On  XXXX   XXXX   XXXX   XXXX  through  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  AZ  XXXX  reported a delinquent account of {$3400.00} on Equifax site in my name. I did not purchase any item, contracted any loan or services from  XXXX  that resulted in delinquency. I Remembered that I was employed by  XXXX  on  XXXX / XXXX /  XXXX   as an  XXXX   XXXX  until  XXXX  when my contract with them came to an end. I handed over the files of all completed and pending sales, almost  XXXX  customers to  XXXX   XXXX  who was my immediate supervisor.When I became aware of this information on my credit report, I reported to Equifax about the in accuracy of the report.  XXXX  have never contacted me about any debt after I have separated from them. I want this inaccurate information remove from my account.
I am a currently a XXXX ( not working ) and XXXX. Ten years ago The State of California Department of Rehabilitation and I entered into an agreement that they would retool me for working from home. In the process of their program, I ran to the limit of Federal Education Loans, and took a Private Student Loan from Sallie Mae. The State had promised to find me work upon completing their program. My XXXX conditions worsened, and the State of California released XXXX XXXX individuals ( I being one of them ) from its program to " save money '' for the State ( at that time in bad fiscal condition ). My Federal Loans were forgiven as part of my deteriorating XXXX situation, but Sallie Mae would not forgive my loans based on the fact that I knew I was XXXX when I applied for the loan ( even though that was not a factor in the application ). When I explained that my health had continued to disintegrate, they refused to accept this despite letters from my medical providers. My loan continues to grow with fees. I have no savings or any means to repay XXXX or settle with them. Also, I now have the XXXX loan on my credit report. This is a very black mark as I am definitely not a shirker of my responsibilities -- having once been an educator at the university level. I repaid my earlier XXXX loans. However, my current income ( {$1600.00} a month ) is hardly covering my living expenses. I did not get the opportunity to try to work because of the economic downturn. I had to go bankrupt because of accumulated medical expenses from the period that I could n't get insurance because I had preexisting conditions. I am an XXXX XXXX, and I ca n't get any kind of credit line to boost my credit worthiness ( for renting ) because of the bankruptcy, and, more significantly because of the student loan non-repayment. Sallie Mae has been horrible about this ( well-documented by others in a similar position ). I am now " in collection, '' but have nothing they can levy. I have been unable to work since 1995, and the State of California 's rehab opportunity that they would find me work did not materialize. I feel Sallie Mae has violated my rights as a XXXX individual. I have stopped communicating with them as it seems a hopeless situation.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX5 Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX
I have purchased {$34000.00} of Bitcoin, Bitcoin Cash, Ethereum, and Litecoin on www.coinbase.com to trade. Simultaneously, I am starting a coffee lounge business and needed to sell my coin. When I tried to do so on XX/XX/XXXX, I encountered this message preventing me from selling : " Account Restricted. You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' I contacted them multiple times via phone and email and they have refused to inform me of why my account was restricted because they are waiting for a nonexistent " specialist '' to work with me. Many other people have had this same issue with Coinbase 's shady business tactics and they recommended that I contact the government. 

Since this point, my coins ' values have plummeted significantly, and I have been unable to get my money back which has put me into a desperate situation with my startup company. I have wasted almost a month of expensive XXXX business rent waiting for someone to take my account off restriction, and have delayed my opening date. XXXX is absolutely awful for not communicating and dealing with my inquiry in a timely fashion. I need my coin back immediately!
A collections company, XXXX, CA XXXX posted false information on the credit reporting agencies, e, g. TransUnion, that I had not paid a towing charge- a non-payment- for what they claimed was my automobile, in an attempt to extort me into paying a bill that had nothing to do with me. It was never a car of mine. 

I took the car 's VIN and plate number to the CA DMV on XXXX/XXXX/16 to see if the motor vehicle department had some kind of bookkeeping error. They ran the plate and VIN and told me that I had NEVER had any ownership of the car. Well I knew that, but it meant that the collection company was deliberately filing a false report against me. 

I also requested on XXXX/XXXX/16 for the XXXX Police Department to run the car plate and VIN and they also affirmed I had NEVER owned the car in question. So both the police and DMV agree this was never my car, and I was not responsible for any tow for it. 

I realize the towing company may have hold of an erroneous report resulting from errors in original processing the VIN of this car. When the accident occurred that required a tow, that erroneous report caused my insurance agent, XXXX XXXX, to be called. They, and the insurance company of the other car, both investigated and determined it was not my car. 

Moreover XXXX XXXX, of the XXXX police department, also looked into the investigation file and agreed I was not the car owner. XXXX XXXX told me to have them call him and he would clear it up. 

But when I attempt to tell the tow company and collection agency to just check with XXXX XXXX of the XXXX PD they both just get nasty and insulting over the phone. 

I am recuperating from recent and XXXX and this continual battle with these vicious people has sapped my limited strength to an extent that I have to ask my XXXX to delay my return to work by 2 months, which wage loss will cost me over {$XXXX} Moreover their false claim on my credit report, which existed before without a blemish, will greatly reduce my employment chances, since they routinely run credit reports as part of the background checks I must undergo. So this collection agency 's false claim has already greatly hurt my life and career. 

If they were pursuing collections legitimately they would have contacted me beforehand, and we could have cleared this up. Or they could have simply run, or re-run, the car 's plate and VIN to see their error. 

But they did not, and are insulting and abusive when I call to clear this up. From their nasty behavior I conclude they know they are pursuing this false claim deliberately, and I want them prosecuted to the fullest extent of the law.
There is a {$400.00} utility bill in my name and its at a place i dont live. The bill is not mine. 

It is XXXX
On XX/XX/XXXX, I sent a certified letter to Equifax. That tracking number is XXXX. Post office confirmed receipt of letter XX/XX/XXXX. In that letter I disputed the following accounts. 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 and XXXX. On XX/XX/XXXX, Equifax contacted me with confirmation number XXXX stating that my investigation was complete. However, the only accounts they returned alleged verification for was for the following accounts : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I contacted Equifax in regards to the accounts they stated were verified as I wanted to know how could they verify accounts that the creditor has not yet verified to me. I assumed because the other accounts were not listed in their response, that they were found to be unverified as they are. I spoke with representative " XXXX '', who would not give me her last name, who confirmed Equifax had received my original dispute but had failed to investigate those accounts. According to the fair credit reporting agency, they must verify inaccurate information in a timely manner. Equifax has failed to investigate these outstanding accounts and in fact have completed the investigation without even attempting to verify these accounts. I will upload these documents as proof that they did not investigate as they were obligated too
Today, XXXX XXXX I made a transfer to a friend in the XXXX. I selected using my BANK account linked into PayPal.
Upon entering the information, my screen cleared and I got a blue bar with " Send Money Now '' to send the money to my friend.
NOTHING told me that they switched from my BANK, which is clearly marked as my 'Preferred Funding ' [ and verified by the customer service persons ] over to my backup credit card. By doing so they raised their fee from XXXX to XXXX ... plus an additional 3 % onto my CC as a 'foreign transaction '.
Going round and round with the PayPal reps, all of whom simply said that " that 's how the systems is set up '' and while they can not tell me why it happened, there is also " NOTHING THEY CAN DO '' to correct the 'error ' on my situation.
If this is so, then they are also ripping off other users with switching to a more expensive funding source, seemingly at whim.
I received a letter from EXPERIAN dated XXXX/XXXX/15 notifying me that my Credit Report was purchased by a company called XXXX, XXXX at XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX and that this company bought it to resale to a source called XXXX. 
I am asking that this be investigated as l have a security freeze on my credit reports with all 3 credit reporting agencies. 

SignedXXXX XXXX
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that were disputed. Since they have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- They are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 
Thank You.
there are accounts on my record from debt collection on my report that sre not mine even tho they are paid, i didnt open these accounts and i want them removed from XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed ( paid ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Closed Paid XXXXT XX/XX/XXXX {$0.00} Closed Paid
After pulling my credit report, I noticed a collections item for a utility bill with XXXX XXXX XXXX being " collected '' by Online Information Services ( XXXX XXXX XXXX XXXX, NC XXXX ) since XX/XX/XXXX. I have never received from the original company nor Online Information Services ANY notification of a debt. No call, nothing written. I would have never known had I not pulled my credit report wondering why it was lower than I thought it should be. My understanding is that I need to be contacted with notification of debt collection activity within 5 days of initial contact ( FCRA 809 ( a ) ) which the FTC in numerous advisory opinions and in established case law has deemed reporting to credit bureaus as constituting initial contact. It is an unreasonable assumption that a person would be constantly pulling their full credit report and without notifying me of debt collection they have been harming me financially for almost a year. I am willing to continue to pursue this violation as this has adversely affected my ability to secure an apartment to rent. By not contacting me at all about a debt they have been reporting for 11 months, this company seems more motivated by financially harming consumers as opposed to actually resolving debts. It took me requesting validation inXX/XX/XXXX and finally receiving a response letter dated XX/XX/XXXX to have any information other than what is reported on my full credit report.
I wrote ( and called ) and told them ( the Debt agency and then their attorney ) NOT to contact me. They did anyway. When I called them again - to tell them read the letter you received a month ago and DO NOT CONTACT ME - they both ask can we call you for additional information!
I was really surprised when reviewing my credit report because I saw a late payment on XX/XX/2016. I don't know how this has happened. I make my payments to you whenever I get my statements. The only thing I can think of is that the statement must not have gotten to me.
Citicards took  my Citi Div idend dollars ( reward ) of  XXXX  USD ( this amount was told b y Citi Customer Support name d  XXXX   )  as o f  XX/XX/XXXX  awa y without any reminder or further notice. I think this is impropriet. I was never reminded or noticed for the disappearance of my citi reward dividend dollars. The customer support personal 's name is  XXXX , from Florida office ( team id :  XXXX  ). She told me that I should have learned it from the statement but they never sent me any statement. The rule was never clearly written to me. And I have checked the dividend reward dollar in early  XX/XX/XXXX  and it was there. They claimed that it was expired in   XX/XX/XXXX .  So it is definitely controversial of what they did and what they told me. I do n't trust  Citi  and I want my dividend reward back. Please help me. Thanks,
I have many inquiries that were checked in XXXX and XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.
I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that you Capital One remove all of the late payments from since their reportings have several discrepancies. I know that I had not been late on any of my payments to Capital One.
My family was called on their phones about my debt, after they had already spoken to me about it and had verified my phone number and location. Additionally they have called me numerous times, despite having already spoken to me.
We have learned that XXXX acquired the banks but it was not a " Merger '' so therefore this was not a XXXX XXXX XXXX. When XXXX collapsed, XXXX XXXX became the servicer. When we made queries about the new owner, XXXX XXXX claimed that they purchased the loan however they did not provide verification. They sued us and said they sold the mortgage to Pennymac XXXX, who we found out was another debt collector. We wrote to them to verify some information and the collusion and fraudulent documents continued. Pennymac then flipped it to another subsidiary of their company. When we called the FDIC and the OCC, they both referred us to CFPB because this is all debt collection. Additionally, we learned that XXXX XXXX Bank XXXX ceased to exist XXXX XXXX, 2005 however our mortgage was made in XXXX 2005. Our daughter worked for XXXX and XXXX and she continued to make these mortgages and no one ever told her that the company was no longer in existence. Please see our attached report
Wells Fargo sold a mortgage we had and paid off via bankruptcy to a XXXX Home Loans. I have already filed a complaints with the XXXX which is under the Pennsylvania XXXX Office and the, Pennsylvania XXXX. I have documentation that Wells Fargo filed a satisfaction of mortgage with XXXX County, I have further documentation from the Bankruptcy court records that indicate said mortgage has been satisfied. XXXX Home Loans is currently trying to foreclose on our property, even know documentation has been submitted to them multiple times proving the mortgage has been satisfied, was recorded in XXXX County on XXXX XXXX 2016.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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 XXXX I sent a dispute / cease communications letter to PRA. ( Portfolio Recovery Associates ) In XXXX, they started calling again and placed 8 calls to my number in violation of 1692 C ( c ) and 1692 D.. the XXXX Unfair Trade Practices Act, and XXXX debt collection laws. 

I contacted them and they stated that they were " looking for another consumer. '' This is false, since I live alone and have for 5 years. There is no " other consumer '' here.
experian, XXXX cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo
On Saturday, XX/XX/XXXX I got a notification from my bank that my account went into overdraft. I was charged fees on top of the overdraft. I checked my account to see what caused the overdraft. To my dismay, it was a auto debit check from my private loan from Navient charging me about {$440.00}. My normal payment on the XX/XX/XXXX is around {$270.00}. I was confused and angry but could not speak with the company because they were closed on the weekends. Monday morning around XXXX XXXX I called the company regarding the matter. I told them that I was not notified of a payment increase or a change in my rate reduction program. The person on the phone name was XXXX and she was very rude. She argued and told me I signed up for this and they are allowed to debit whatever amount. I was trying to explain to her that I was not notified, but she said well it was taken out of your account since last month. When she told me that I checked my account and saw that she was right. About {$440.00} was taken out automatically by check and then for some reason I paired them {$270.00} on top of it. Because she was SO rude I asked to speak with someone else. This person, XXXX, wasnt AS rude but she was not empathetic either. I asked her if I was notified that there would be a change in my payments. She said yes and told me to hold on and it took her almost 2 minutes to look. She stated she couldnt see when I was notified by it should be in my statement. I asked her how am I supposed to know when my rate reduction program ends without notification from the company? I also was confused because I did receive an email from Navient stating my program was ending XX/XX/ and my payments would be increased in XX/XX/. I submitted an updated financial statement and e-signed it. I never received a call back from Navient about that. I did not receive any notification notifying me of an increase starting in XX/XX/XXXX. She claims one of my loans ended in XX/XX/XXXX but couldnt explain to me when would one end and not the other when I signed up for the rate reduction program and the same time ( I think in XX/XX/XXXX ). I also asked her to take me off of auto debit because of this matter. She never notified me that I would be charged {$23.00} to end auto debit. This company is not professional at all and I wish I never signed up when starting college.
I keep receiving calls from Wells Fargo Home Finance indicating that someone named XXXX at my number needs to speak with them. There is no XXXX at my number and I 've had this number for 5 years. I 've received 17 calls in 7 days including weekends and I 've told them numerous times to stop calling me as I am not the person they are trying to reach.. This is ridiculous and they wo n't stop despite telling me they will stop stating " It takes time to remove me from their call list ''. XXXX it does n't. They pull up the record to my number and told me how many times they called me as soon as I tell them to stop calling me. This is carelss harassment.