WillisBack/dataset-financial-user-claim huggingface dataset:
i was approved for a lonan of XXXX to pay my XXXX cell phone since i am one day behind, i was asked to sign the disclosures, download them, verify my bank account information using my login credentials and than i received this error message with this link : XXXX XXXX XXXX Than my page said securiy error possible network intrusion, than the page displayed an error message.
This company is attempting to collect a debt that I do not owe and that I 've thoroughly disputed. In spite, these people continue to contact me to collect debt. They use automated dialers to call me at my place of employment, as well as on my personal cell phone, during my working hours. They 've gotten me in trouble at work ; as a result, I 'm concerned about my job status.
In XXXX I called and canceled an internet account with XXXX. Later in XXXX, during a military background check for security clearance, I was made aware that I had an adverse account with XXXX on my credit report. I called XXXX immediately and was told I never paid a " final bill '' after the account closure, and I explained I was never made aware of a final bill ; during the account closure, the agent on the phone did not say I had a final bill, I never got a mail letter, an e-mail, or a phone call, but that I was willing to pay it off, it was only {$120.00}. The agent said the adverse account would be removed from my credit report. 
In XXXX as I 'm trying to purchase a home through XXXX, I was informed that the same adverse account was still on all XXXX credit agencies, so instead of calling XXXX this time, I called the agencies and disputed the item ; the item was deleted from XXXX and XXXX, however, upon investigation from Transunion, XXXX denied to have the item removed, so I was told by the reporting agency to call XXXX myself and dispute it directly with them. 
After weeks of trying to reach someone that could help me with the issue, I was told that they ( XXXX XXXX have nothing to do with it and that TransUnion never contacted them, but even if they ( TransUnion ) did, XXXX can do nothing about it, which contradicts what I was informed by the TransUnion personnel who assisted me with the investigation. 
This negative item is on my credit report, and I had nothing to do with it considering XXXX made a mistake by not informing/contacting me of a final bill of only {$120.00}. It has been hurting my credit score and for that reason I am not being able to use my Veteran 's benefits to purchase a home. 
TransUnion had me contacting XXXX and XXXX do n't want to have anything to do with it.
Beginning in XX/XX/XXXX, I transitioned my federal loans from XXXX to XXXX XXXX to join the public service loan forgiveness program. The transition was completed on XX/XX/XXXX when I received a welcome letter from XXXX XXXX ( attached as XXXX 1 ) At that time I had been enrolled in the REPAYE income-driven repayment plan. 

On XX/XX/XXXX I subsequently received communication from XXXX that my current income-driven repayment plan was ending on XX/XX/XXXX and that unless an application to renew the plan was received within 10 days of XX/XX/XXXX, that my payments would increase to {$0.00} beginning on XX/XX/XXXX ( this letter is also attached as XXXX 2 ). 

On XX/XX/XXXX I received another letter stating that my IDR application must be received by by XX/XX/XXXX. " If we do not receive your application within 10 days of this date, your monthly payment is estimated to be {$3000.00}, first due on XX/XX/XXXX. '' ( attached, XXXX 3 ). 

My IDR request application was submitted on XX/XX/XXXX and approved on XX/XX/XXXX by XXXX, and I received email correspondence from XXXX confirming both events. ( attached XXXX 4 and 5 ). 

I again received correspondence stating that my new payment plan would be XXXX monthly beginning on XX/XX/XXXX. ( attached as XXXX 6 ). 

On XX/XX/XXXX I received, WITHOUT ANY written notification or warning given to me by XXXX or XXXX beforehand, a billing statement from XXXX for {$3000.00} ( attached as XXXX bill ).  This is despite submitting my income-driven repayment plan application while currently being under an active IDR plan ( REPAYE ). 

At this point I attempted multiple phone calls with XXXX customer service and spent upwards of 3 hours between holds, talking to multiple people, before being told that there was nothing that could be done because there had been a lapse in my repayment plan that I was NEVER notified of. The result being that this {$3000.00} payment would now be put into forbearance ( attached, XXXX forbearance ). 

My issue is that I was charged {$3000.00} months before I was told that I would be charged this amount, with my IDR application submitted, received, and approved well within the time window established to me by XXXX in order to avoid such a charge. The result is a massive payment of my loans which is now in forbearance.
XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
On XXXX/XXXX/XXXX, I sent a letter to this collection agency by the name of XXXX XXXX. I requested information on a debt in the amount of XXXX that is on my credit report and have no knowledge. I requested an identity theft or fraud packet to fill out and send it to them to investigate who opened this account in my name on XXXX of XXXX. Today is XXXX/XXXX/XXXX and this collection agency has not replied back to me.
NAVIENT, A NEW NAME FOR SAME OLD SHADY XXXX XXXX. EVERY TIME I MADE AN EXTRA AMOUNT TOWARDS PRINCIPL TO PAY OFF MY LOAN EARLY. BUT THEY KEEP POSTING THE EXTRA AMOUNT TOWARDS MY NEXT PAYMENT. I CONTACTED THEM SEVERAL TIMES BY EMAIL AND PHONE, BUT REFUSED TO DO WHAT I INSTRUCTED. KEEP READING THE SAME GARBAGE FROM FREQUENTLY ASKED Q AND A. MY ACCOUNT IS CURRENT AND I ALWAYS PAY ONLINE. THIS IS ANOTHER WAY TO KEEP THEIR CUSTOMER IN DEBT BY TAKING PRE PAY INTERESTS.
My credit report shows a negative collection/chargeoff from discoverbank.This account was paid and closed on XX/XX/XXXX. The full balance was paid. Discover still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.
I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.
Purchased dream home in XXXX XXXX with Countrywde. In XXXX XXXX was contacted by By Broker XXXX XXXX XXXX for lower payments, refinanced my husband ( XXXX Vet ) into another conventional loan ( XXXX XXXX ) with New Century Mortgage ( Bankrupt NC ) .in XXXX. XXXX Payment was due to XXXX in XXXX, but was notified in XXXX That it had been sold back to Countrywide and we would make our payments to Countrywide. XXXX my husband begin to get sick and got hurt on his job XXXX. Got behind on payments and was struggling to make ends meet. In XXXX XXXX signed a reconstruction/with Deed in Lieu of Foreclosure and a payment of {$1700.00}. My husband signed this on XXXX, XXXX and on XXXX, XXXX, the XXXX XXXX In served us with Foreclosure papers. We now know this as the famous Dual Tracking. We were stunned, and that 's when our almost 10 year nightmare began. From XXXX XXXX, we have had XXXX attorney 's and several who said they would n't touch it XXXX, several who have said that there was a conflict of interest because they had worked with the Broker, Title Company, and Now XXXX XXXX XXXX, who supposedly purchased the loan in XXXX. We have been through XXXX bouts of Foreclosures and XXXX Chapter XXXX Bankruptcy. Plus XXXX different Loan numbers all on the same house. The Title Company was closed by the FBI, the title company owner is in jail, and his wife who was his notary signing agent has most likely gone to jail by now. They were XXXX XXXX and XXXX of New Age Title. Also ran a XXXX business out of the same location in XXXX, In across the bridge XXXX. The Broker was hired by XXXX XXXX XXXX who offered us {$10000.00} to get lost in XXXX. We knew that everything was terribly messed up, but no idea until the second Foreclosure in XXXX. We presented title work, and had a private investigator to trace from the beginning of XXXX XXXX to XXXX XXXX. We presented our facts in our Foreclosure Hearing in XXXX XXXX, with the Pooling and Sevicing Agreement for XXXX and was told by Judge XXXX of XXXX XXXX, In that it was Hear Say, and if we did n't have the XXXX that Deustch Bank was Foreclosing on, we had to surrender and vacate the house, because we had lived there for 7 years and had n't paid a thing. We had spent our money on attorneys, this mess forced my husband into XXXX from the XXXX, and I was already XXXX since XXXX. We were too tired to fight another day. We vacated the house in XXXX XXXX, we moved XXXX and was homeless for a month, but thanks to a couple here XXXX who looked pass our circumstances let us rent a furnished XXXX bedroom condo. My husband has never been able to use his VA Certicate for housing, and it does n't look like he will ever be able to use it. Our belongings are still in a Pod Storage facility XXXX, his health is again failing, and our credit is tore up. This is n't what we thought we had planned for our last years, the stress of this 10 year ordeal has taken a toll on us XXXX.
JH Portfolio Equites place an un verifiable debt on my credit reports in XXXX 2016. I filed a complaint and they said they would remove It via my Consumer Financial Protection Bureau # XXXX in XXXX. It is not XXXX and this still has not been removed. I sent a notice to the XXXX credit bureaus and they all said that in XXXX and XXXX 2016 JH Portfolio Debt Equites confirmed and verified this debt. I called the week of XXXX XXXX 2016 and told the Rep and she told me there was nothing she could do and that there was not letter they would provide me to send to the credit bureaus. This is in violation of my rights.
There was a collection account with  XXXX   XXXX   XXXX   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611 P rocedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) Not ice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.
Michael J. Adams PC recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX XXXX They sold the debt to XXXX XXXX, XXXX and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.
I applied for an auto loan and authorized only XXXX XXXX to pull my credit. I had XXXX companies later pull my credit that same day. I provided no authorization, asked for proof, and then contacted the CB to see if it was from dealership or individuals. No information could be given. I was unable to dispute through any phone or online channel. I did not apply for credit and the hard inquiries in the last 6 months at each credit bureau should be removed except for the XXXX XXXX inquiry. All other inquiries were done either by an individual or dealership without my authorization. No new loans have shown up at this time but I may be a victim of identity theft or improper authorization. Not one of the credit bureaus could assist by phone or online. I purchased a vehicle from XXXX XXXX and I approved the quote from XXXX XXXX who then verified my credit and approved the loan. I should not have up to XXXX inquiries at each of the bureaus for this. request each bureau delete the unauthorized inquiries in the last 12 months or provide me with written proof that I authorized each bank to pull my credit. The only authorized inquiries in the 12 months are XXXX XXXX and XXXX XXXX.
I have contacted this company a total of three times, requesting validation of the alleged debt ; as well as proof that they ( the company ) has the legal authority to collect the alleged debt on behalf of the original creditor. Twice the company sent a billing ledger as validation. A billing ledger does not assign a debt to me. In the two times they have sent that billing ledger they neglected to include proof that they have the legal authority to collect the the alleged debt.
I received an invoice date XX/XX/XXXX from an ambulance company, XXXX XXXX XXXX, in the amount of {$200.00}, for a patient named XXXX XXXX XXXX. On XX/XX/XXXX, I sent a letter to XXXX stating that I don't know anyone by that name, that I am not responsible for that person 's bills, and that I had never been transported in any XXXX ambulance or received any other services from XXXX. I never received any response from XXXX, other than additional copies of the bill and a threatening " PRE-COLLECTION FINAL NOTICE '' dated XX/XX/XXXX. I received a notice dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX XXXX, demanding payment of the XXXX bill plus interest ( {$200.00} ). I have written a letter dated XX/XX/XXXX to XXXX XXXX XXXX XXXX disputing the validity of the alleged debt.
Sallie mae is very sneaky, I thought I had rights that I did not have based on sneaky advertising practices, I was not aware they could collect debt even if I was still in school or collect debt while I was out of work. They would never work with me or set up a resonable payment plan because I was n't a " govt. '' loan. I was very confused about my rights and would have never gotten the loan if I had known I did n't have the rights. Also they sold my loan to a collection agency something I was not aware they could do.
I purchased a manufactured home which is on a rented lot ( XXXX ). The only loan available at the time, I was told, was at 9 %. I was assured that I could refinance later at a lower rate. I have since tried several times to refinance with my lender and others. I have been told that, despite an excellent credit rating, I do not qualify for a new loan because I do n't own the land my house is on. This is unfair to seniors on a fixed income and hard working low income families. I do not see much difference between this and high interest predatory payday loans. XXXX and other programs are not helping these groups.
On XXXX XXXX, XXXX I got a credit alert from my credit monitoring service that there was a change in my credit bureau. I went online and looked at it and saw simply a reference to a collection from a company called National Credit Systems. I had never received a phone call or letter or any other communication from this company. 

I called their offices as soon as it opened, inquired about the debt they were collecting on, and realized it was related to an early termination fee from an apartment I was renting in XXXX! I do n't dispute the amount, but I was never billed for the early termination fee and did n't know it was outstanding. 

So, I informed the agent that I had never received notice from the apartment company or from the collection agency that anyone was trying to collect. I told him I would pay the debt that day, which I did, if he could ensure that it would be expunged from my credit bureau because I 've never gotten any phone calls or letters from anyone. The agent said " absolutely ''. He suggested that they did n't have any contact information for me even though I kept the same mailing address and phone number before, during and after the time I lived in the apartment. Surely the apartment complex had all that information from my initial application. Even so, a simple google search could have easily found me. 

I paid the bill that day and continued to follow up with the company about expunging the collection from my record because they had n't provided any notification or made any effort to notify me about collecting a debt. My bureaus show the credit as paid off, but its still on there as a derogatory, negatively impacting my credit score. 

I have no way to contact the prior apartment management as the complex was sold. And my attempts to resolve this with the collection agency have obviously yielded little result. 

I believe that a collection agency, as a furnisher of information to the credit bureaus, is required to Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. I received no such notification from the time I vacated the apartment ( XXXX XXXX ) until the time I got the alert from my credit monitoring ( XXXX XXXX )!!! 

Thanks for your help.
I have an account on Coinbase.com, i used  XXXX  f or 2 fac tor authentication on the account. My phone was factory reset on  XXXX   XXXX  and I lost the " token '' on the phone that connects t o Coinbase, therefore am unable to transfer my funds away from Coinbase. I have filed 3 separat e customer service requests to remove  XXXX  from my account and the firs t 2 w ere closed for no reason, the third appears to be pending but i 'm doubtful. I have gotten no response from them. All i want is to get my money, which is nea r 1 thousand dollars. I have sent them proof of my identity and I can see no reason to prevent me access to my money unles s they are running a scam of some sort.
I never received a notification of their response to my first claim which made me incapable of responding. My new complaint contains additional illegal debt collection practices1. Nations Recovery Center Explanation of my original complaint was at least 75 % lies. 
2. Reason of complaint closed stated " Consumer can not resolve account and made fales claims. '' Which is incorrect and it is the Agency made false claims3. They stated I confirmed the address on file was an old address of mine when I really said I never lived their4. They made the initial call and started stated personal information before I even confirmed it was my debt and they never verified if they had the correct person when they contacted me5. Release of personal debit collection information without verifying if I was the correct person is s violation of the law as well6. It was the company that called and never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. 
7. I asked for verification of debt and he stated he would not send it. because it is too much work. Since my address on file was not mine, and I never heard of this account does n't mean it is my debt because of the same last XXXX digits of my SS number. 

8. He lied about laws of NY State debt collection and stated to me they will go after me 10-20 years and not correct. NY has a 7 year limit and starts from the first delinquency. 

9. Since he stated he gets money from people that are XXXX from their social security income 70 % of the time after they die is not a true statement or stastatistic10.After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away
On XXXX XXXX, 2015, I sent a letter to Experian along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau.
Multiple inquiries on my credit history have dropped my score severely, and at no time has anyone from the company with which the score was checked informed me about the massive effect hard inquiries have on credit scores. Because I have checked with multiple people about home loans, I 'm no longer able to qualify for a home loan because of the severe impact to my credit score, and I 'm now stuck in a poor living situation for what I 'm told will be at least 2 years.
I've attempted more than 5 times to submit a dispute online with XXXX at their website : XXXX XXXX XXXX and everytime it states that the information that I entered does not match their records. I was able to successfully submit dispute with XXXX  and XXXX in regards to the same account ; Portfolio Recovery Associates for amount of {$600.00} opened XX/XX/XXXX. Investigation has been conducted and found in my favor that I did not own this account. However, online is impossible to submit dispute with XXXX and today XX/XX/XXXX I have been calling all day to the number : XXXX and XXXX and every representative states that their undergoing system updates and can not assess anyone 's account to call in 30 minutes and this has been going on since XXXX this XXXX XX/XX/XXXX!
I repeatedly tried to submit a security freeze request through the Equifax website and phone system today, and all I got were error messages. I was not able to get a security freeze, and I was not able to find anyone at the company who could place one on my account. This is a national emergency. Fifty percent of Americans had their data hacked through this company, and yet it is not providing any means of getting a security freeze on our accounts. The company should be shut down immediately, and it should remain shut down until it can provide security freezes on consumer data and other assurances that our data is safe.
I went to the dealership XXXX XXXX 2016 to get my radio repaired. While in the waiting area I spoke to a sales rep about wanting to get a GT model in the future. Next thing I know I get an alert from XXXX saying I authorized a inquiry. I walked to counter and asked him if he was running my credit because I just got an alert. He assured me that he was taking a peak. I never authorized him to run my credit and I have contacted them directly and they have not responded and it has been over 30 days. I already had my credit ran multiple times in XXXX, why would I approve to run it again, when I was just asking questions about a car, not buying another XXXX. This has been damaging to my credit and needs to be removed.