WillisBack/dataset-financial-user-claim huggingface dataset:
Receiving calls from this number daily, they tell me its from a debt collector with no other information given, Im being harassed and would like it to stop
I sent letters to company requesting validation of the debt on the  XXXX  accounts that they claim I owe. DirecManagement a letter stating that they did not have no responsibility in responding to my letter. When I contacted them by phone the representative threaten me about my credit report.
One of my loans was transferred to XXXX XXXX in XX/XX/2018. I don't know which loan because I never received any correspondence. I just received an email today stating that my loan is past due even though I paid all my bills on time. I tried reaching the XXXX number listed in the email but no one picked up after 20+ minutes of holding. The email said XXXX has a Live Chat option on their website from XXXX - XXXX ET, but it's XXXX and no Live Chat attendants are online. I would like to know if anyone actually works at this place because they seem sketchy.
I have a second mortgage or " line of credit '' with US Bank for the amount of {$120000.00}. I have had this line since XX/XX/XXXX. It has always been fully used up to pay for the home, and is interest - only payments. I have made those payments for over 15 years on time, for approximately {$500.00} / month with no decrease in the principal. 

My payments were always on auto-pay through my bank account at XXXX. However, those payments stopped without my realizing it, and US Bank had me on e-notifications, and I was therefore, unaware of the failure to pay. I did log on to my US Bank account online, and noticed that my Line of Credit no  longer appeared there. I called, and asked them what I owe, what was going on, and they couldn't explain it or fix it. 

I received a letter on XX/XX/XXXX that is dated XX/XX/XXXX ( sent certified, return receipt but the card on the letter was still attached and I did not receive it by mail until last week ). This letter says that I am delinquent by {$3400.00}. I called the number the next day, and was told that in order to " reinstate '' my loan I had to provide to US Bank branch {$7600.00} in cash by XXXX. It was XXXX when I received this information. The US Bank person told me that this was my only option or my house is being foreclosed upon! I have had ZERO notice. And no possibility to even get the cash there that quickly. 

I then called back the next day and after 75 minutes and being transferred to 5 different divisions at US Bank I was told absolutely nothing about the status of my account, what I owe, if they are foreclosing, nothing. And I am still unable to see anything online. My complaint is lack of notice, lack of ability to get information, and generally total fear of what they are going to do to me. My mortgage on my first loan is up to date, and not in arrears.
XXXX account on my equifax report is incorrect it is a duplicate of an account that has been paid and closed. XXXX had XXXX accounts reported for the same address same account number with XXXX different open dates. I opened a account in XXXX of XXXX and requested dte to close the account in XXXX of XXXX due to me moving. XXXX sent the account to collection for XXXX that was paid to XXXX XXXX XXXX XXXX. Soon after that I received another collection notice saying I owe XXXX this account have been paid and closed. The account they are reporting that opened in XXXX XXXX is a duplicate and should be removed. How can I have XXXX accounts opened for the same address. The account opened in XXXX of XXXX is no longer on my report. The XXXX XXXX account is incorrect and should be removed immediately.
I recently check my Transunion report and it shows an unauthorized Credit Inquiry made from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX. 

While checking my personal credit report, which I acquired from [ Transunion ] noticed an inquiry made by the company on XX/XX/2017 I did not authorized anyone employed by the company to make an inquiry and view my credit report. it have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 30 ) business daysso that I can verify its validity
I have an XXXX XXXX XXXX Pre-paid card. This card allows you to " load '' funds to the card online using your debit card. I have done this for years with my credit union debit card and not had an issue. I am now primarily using TCF Bank as it is more convenient than my credit union, and attempted to " load '' funds to my XXXX XXXX XXXX Pre-paid card. Unfortunately, TCF Bank has chosen to block these transactions " for the safety & security '' of my account ( or so I 'm told ). TCF Bank should not be allowed to block these transactions. My assumption is that these transactions were blocked by TCF Bank because it allows their customers to bypass their fee structure. By loading money to this XXXX XXXX card, I am able to withdraw from thousands of ATM 's nationwide free of charge. With TCF, I am charged {$3.00} if I use an ATM outside of TCF 's network. Additionally, TCF has their own prepaid card. Are these transactions really blocked because they want you to use their card? 

I was offered an alternative by a phone banker that I could use ACH to transfer funds to my XXXX XXXX card. Unfortunately, this wo n't work for me for XXXX reasons : 1 ) XXXX XXXX XXXX no longer allows transfers using ACH TO my card, only to withdraw from my card. 2 ) If it did, it would take several business days. The whole point of using my debit card is to load the funds so they are available immediately.
They continually robo call my line at all hours of the day. Some days they have left up to XXXX messages. 

The message is recorded and they do n't even have my correct last name!! They give you NO information whatsoever, and after reading all the other complaints about this company, I do not dare call back. All other debt collection agencies send you written notice via mail. Why should I be harassed about something I know nothing about and do not know of any uncollected debts that I might have.
Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

AES has not furnished any proof that I executed a contract from the original lender. 

AES is not permitted to collect in NC and will not furnish its permit number as enforced by NC Law to do so on ALL written documentation.
My card was suspended for supposed fraud on the XX/XX/XXXX. I went to buy groceries and thats when I found out. No one had called me nor had I received an email notification. There is no fraud here since I hadnt even used my new card for almost a whole month. This is retaliation because I 've filed a CFPB complaint about a credit hit they have left in my credit report even though its been alnost two years since the account was current and was transferred to another institution.
According to the Fair Credit Reporting Act, Equifax are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX  XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX  , XXXX XXXX
I received an installment loan from a company and was preapproved through a letter from this company, which claims to be tribal and in the approval letter claimed that I was one of only a few to be approved for a loan from this company. I then went to the website and applied for a XXXX loan which I was approved for and in the initial repayment schedule showed that I will be repaying XXXX which is reasonable for a XXXX loan. After the loan was completed, I received a call from one of their representatives to talk over what the loan entails. The call lasted roughly XXXX minutes which included a recording I was made to listen to for about 2 of those minutes, afterwards the person came back on the line and proceeded to read a fixed statement in the most slow, monotone and non enthusiastic way possible, seemed like a way for me to tune out what exactly was said in order to cover up mal business practice. Once I received the money which was deposited the next business day, I tried to open the loan agreement online and my browser returned an, " unable to view documents '' page. I went back to the original website and checked to see how the loans were repaid and upon looking I found that the payment structure of such a loan was so outlandish that it made my stomach turn, the original XXXX, which on " your account '' page shows XXXX, but the structure will force the consumer to make a payment of XXXX four times and then a fifth time of XXXX before making any dent to the original XXXX loan and that the total XXXX would be repaid over the course of 24 months. with an interest rate of over 800 % roughly on every repayment. which over the course of XXXX months repayment would be close to XXXX. I was not made aware anywhere in the initial mail, any emails or even in the websites application process that this would take XXXX months to repay wit an out of this world interest rate. I have searched online and not to my surprise I found others who have had similar issues.
The  " annualcreditreport.com  '' website is a piece of junk.     The CAPTCHA form is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
i have multiple inquiries not unauthorized by myself XXXX XXXX on XXXX and XXXX i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically
I was having payment discussion with my mortgage servicer in XX/XX/XXXX about setting up payment arrangement to catch up our mortgage from the late fee 's that had accumulated on our account. Seterus which is the servicer. I spoke with a representative from Seterus by the name of XXXX. We set up a payment arrangement on XX/XX/XXXX for the months of XX/XX/XXXX and XX/XX/XXXX to pay a certain amount and it would catch the account up including all late fee 's. At the time of conversation, I had also made the XX/XX/XXXX payment of XXXX XXXX. Seterus sent a letter XX/XX/XXXX with the agreement which the dates and amounts were wrong, and showing an amount for XX/XX/XXXX. on XX/XX/XXXX I spoke with XXXX again and told her I was unable to adhere to that arrangement and that I would not be able to pay my XX/XX/XXXX mortgage payment until XX/XX/XXXX. I told her I would call her to make the payment and set up new arrangement or a payment plan for XX/XX/XXXX and XX/XX/XXXX. She asked me if I could make a payment on XX/XX/XXXX, which I told her I was not sure I could do that, and I would call to let her know at that time. Never in our conversations did I authorize a auto-withdraw on my checking account. XX/XX/XXXX Seterus unlawfully withdrew {$2200.00} from my bank account without my authorization. I contacted them and told them they needed to send notification to the bank that day ( Friday XX/XX/XXXX ) and stop the withdraw that was showing in " Pending status '' The representative said that they could not do that and that it is too late. They stated I could go through the process of dispute which I would have to pay a wire service to have the funds wired back into my account, when they unlawfully withdrew the funds. I stated to the representative I wanted proof ( today XX/XX/XXXX ) sent to me that I authorized such a withdraw. He never answered the question and invaded it. They would not send the notification over to the bank stopping the withdraw. So in essence they refused to send it knowing they unlawfully withdrew the funds.
I have consulted with an Attorney and he advised that the first step is to file with the Consumer Finance Protection Agency. Representation will be obtained officially after this complaint has been answered, and a possible civil law suit could ensue.
I have also filed a complaint with BBB I have also filed a police report.
The Pennsylvania Attorney Generals office will also be contacted.
XXXX XXXX XXXX is attempting to collect a debt that was paid by my security deposit. They failed to send the proper documentation in the correct amount of time after I moved out of the apartment. A walk through was completed and nothing was mentioned that any money was owed after move out. I didn't receive a security deposit letter advising me what I owed for or any pictures of the claimed damages. They also falsified documents stating that I didn't pay a security deposit in the amount f $XXXX. I have a letter and emails stating that the amount was received. The apartment complex changed management companies after I moved out and no one seems to have any information pertaining to my lease. This is completely illegal and needs to be removed from my credit.
There were collection accounts added onto my  XXXX  credit report, on  XXXX   XXXX   2017  I sent a certified letter requesting an investigation of the items and in that dispute I noted that just verified is not what I need to see, I wanted to validate this debt. I am a victim of identity theft so what I was requesting is a contract with my signature and a copy of my drivers license on file from the collection agency because of the fraud any place I go they are suppose to ask for my identification. Evidently this was not done. I received a letter from transition just stating that the debts were '' verified '' which took about 30 days.
I have XXXX hard inquires on my credit report from transunion i have called over 20 times. no one is willing to help me. before all this happen i put a fraud alert on my credit report now transunion is telling me they can not help me. I called i spoke to XXXX XXXX i spoke to XXXX different supervisors and they told me they can not remove inquires or dispute these even if they are fraud. all these inquires are from the same company i have put a fraud alert XXXX. They told me i have to call credit plus and they have to send me a letter that gives them permission to remove the credit inquires. I called credit plus and they told me the information i provided them does not match their file.. and i said hello thats because its fraud and they refuse to assist me or give me a letter. i called transunion back and they will refuse to help me.
I wired {$20000.00} to Coinbase on XXXX XXXX 2017 and within a week they rejected my wire due to the names on the account not matching. I have yet got my money back after several calls and emailed to XXXX and to their bank in NY.
A {$55.00} medical bill went overdue and I was not made aware until I was contacted by a collection agency. I paid the bill in full as soon as I was made aware of it. However, in the meantime, the medical office closed and the collection agency has refused to remove it from my credit report. Now I 'm trying to get a home loan and being penalized because of this one single thing on my credit report when I have not had a single late payment on anything else in my entire credit history.
Santander Consumer is reporting incorrect information I received alert saying an was 180 days past due for a loan amount of {$100000.00}. This information is incorrect and is not my account. I have never taken a loan out for {$100000.00}. Santander is reporting someone else account on my credit report. I called and explained this to them however, the young lady said that I need to call the CB and let them know. However, this is harming my credit score being that this isn't my account and that the amount of this debt is extremely large. I have asked for documentation showing that I have account with them and they have yet to provide me with any proof. They stated they would have the fraud dept. reach out to me. I haven't heard anything back about the matter. Can we please get this matter resolved as soon as possible please. 

Thanks
On XX/XX/2016 I was the victim of a phone hack ( which i didnt realize until about a month later ). Funds from my XXXX account were transferred to my Simple Bank account and then transferred to someone in XXXX using my XXXX app. there were XXXX transactions - XXXX for XXXX and XXXX for XXXX. There was XXXX additional transfer for XXXX from my XXXX card that was researched once i filed the dispute and found to be fraud and was reversed. I have been asking Simple to refund the fraud charges and they have said because they fall into a natural occurance, because one other time i used the XXXX app to pay a friend, they are not showing that it is fraud. I do not know anyone in XXXX. I have no cause to send them XXXX.
On XX/XX/18, I visited XXXX in order to request my annual free report from one of the three bureaus ( Experian ). Although I have given the exact same information before and received my credit report online from the other credit bureaus, this is the second time in one year that I have been refused my online report from Experian, with a perfunctory notice to request a hard copy. This matches reports from others that Experian is not readily allowing consumers to access their credit reports with the bureau electronically, instead having to mail or call to request a hard copy of their report. This is a barrier to access that is patently absurd for a company that maintains its existence by aggregating the personal information of consumers and profiting from that info, with zero benefit to the consumers themselves.
Tried contacting Accelerating Financial. They are reporting the same account twice, same account same amount to all 3 bureaus. I have contacted them to have this fixed and they have not fixed it. this is hurting my FICO.
About 30 days ago I submitted a dispute to XXXX regarding an account that had been previously DELETED, yet unexpectedly added to my credit file again. I asked the reporting agency how could they add a debt that was one, proven not mine the first time I disputed it, and two, that you did not validate before added an account that had already been removed. XXXX  confirmed the debt, without validation as this is NOT my debt, I have never had business with XXXX XXXX XXXX XXXX. The debt that was deleted was LVNV Funding LLC. How can the same account be owned by TWO creditors, and also they have attempted to ILLEGALLY re-age the debt to the time is seems like XXXX XXXX XXXX purchased the account, which is a direct violation of the FCRA. More importantly, this was a debt that one company claimed to own ( LVNV Funding LLC ) two years ago, XXXX validated it without cause, then deleted it, they were supposed to notify me in WRITING of an attempt to add a debt that had been previously removed as invalid
On XX/XX/18 I submitted an online application for a XXXX XXXX store credit card through XXXX XXXX. I was told by XXXX XXXXXXXX customer support that I would get an immediate response on line, either approved or denied. With the online approval, I would get a card number that I would then be able to use today to make an online purchase with their promotional rate, even though I would not get the physical card for 7-10 days. I submitted the application and got a prompt to call XXXX XXXX as they needed additional information. When I called, they completed the application and approved me for a {$4500.00} credit line. However, since the approval was not on line and the application was technically completed by a live person, all they could issue me was a reference number. As such, I could not access this card to make my purchase. Synchrony failed to disclose that this added step would result in my not getting a usable credit card number today. I no longer need this card, yet a credit check was done! I intend to cancel this card but can not for at least 3 days, as per the bank! this is an outrageous abuse and misrepresentation. Synchrony and XXXX XXXX have mislead what would have been a loyal customer. I do not have an account number, as mentioned previously, as I have to wait 7-10 business days to get the actual card.
XXXX XXXX SOLD MY LOANS TO NAVIENT LOAN COMPANY. NAVIENT HAS REFUSED TO HELP ME LOWER MY PAYMENTS, PUSHED ME INTO COMMITTING TO LONGER LOAN PAYMENT OPTIONS WHICH HAS INCREASED MY INTEREST ON MY ORIGINAL LOAN AMOUNT. I HAVE HAD ISSUES, ONE SPECIFIC INCIDENT ON XX/XX/2017 AT XXXX IN WHICH I ASKED TO SPEAK TO AN ACCOUNT MANAGER AND THE INDIVIDUAL ON THE PHONE DID NOT LET ME AND PROCEEDED TO DENY MY ATTEMPT TO DECREASE MY MONTHLY PAYMENT DUE TO RECENT FINANCIAL CHANGES. I HAVE BEEN DENIED THE RIGHT TO SPEAK WITH A SUPERVISOR ON MORE THAN ONE OCCASION AND AT THIS POINT THE COMPANY IS UNWILLING TO LET ME SUBMIT A NEW REQUEST FOR INCOME DRIVEN PAYMENT PLANS. TWO SEPARATE MONTHS THE COMPANY HAS NOT TAKEN OUT MY PAYMENT, WHICH I HAD SET UP FOR AUTOMATIC WITHDRAW AND FAULTED ME FOR THEIR MISTAKE. I SPECIFICALLY REQUESTED FOR PAYMENTS TO BE TAKEN OUT AT THE END OF THE MONTH EVERY MONTH.
Equifax previously deleted and removed the following fraudulent accounts from my credit report, but the fraudulent accounts has been put back on my Equifax credit report : XXXX XXXX XXXX, XX/XX/XXXX, unsecured loan, {$4800.00}, XXXX XXXX XXXX, XX/XX/XXXX, auto loan, {$20000.00}, XXXX XXXX XXXX MasterCard, XX/XX/XXXX, {$1700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX Visa, XX/XX/XXXX, {$4200.00} and XXXX XXXX, XX/XX/XXXX, {$14000.00}
Every time a XXXX XXXX with a XXXX # # # number calls ( the number changes as I keep blocking them ) if I pick up the phone, I get no response, except for the first time when they were looking for my ex who I have not had contact with for years. I told the woman he wasn't available and she said they would call back and immediately hung up. Now they call every day and leave blank voicemails, no matter how many times a block on of their numbers.
Ive taken the proactive approach into reviewing my Equifax, XXXX and XXXX Credit Report after the Equifax 2017 breach. Ive contacted Equifax and was advised via Equifax website ; Based on Information provided we ( Equifax ) believe that your personal information may have been impacted by this incident. I enrolled in the TRUSTED ID PREMIER which was offered by Equifax and locked my credit reports. I recently received a copy of my Equifax, XXXX and XXXX   credit report. The credit reports showed credit inquiries that I dont recall authorizing. I have wrote several disputes letters to all the major credit bureaus concerning inquires listed on all 3 major credit bureaus report and letters to the creditors listed on my credit report as well. I understand the credit bureaus shouldn't be allowed to put an inquiry on my file unless I have authorized it. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order