WillisBack/dataset-financial-user-claim huggingface dataset:
I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION XXXX AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : FED LOAND SERVICING, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
I had an account in collections with XXXX  XXXX with was sold to XXXX XXXX ... I have since paid XXXX XXXX the debt almost 1 year about and last XX/XX/XXXX XXXX XXXX has now been placed on my credit report to try and collect for this debit yet again. I have tried several attempts to have them removed by calling them, sending them letters and also contacting the credit report agencies.
This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX- orginally removed from my account and placed back onto my account through a collection
I filed a complaint ( XXXX ) after weeks of trying to get clarification on the forgiven amounts for my modification. Someone - spoke too fast to hear clearly - called me today at XXXX. I was told the person who would be responding, XXXX XXXX, was unavailable and might, perhaps, maybe, would maybe contact me on or after XXXX XXXX to address my questions -- did not say she would provide the financial details, just that she might address my questions. I asked if someone else was available since I have been trying to get an answer for almost a month now ( and getting nothing but run around ). " No, there is no one else who can assist you. '' I was told. 

Wells Fargo has thousands of employees -- all dedicated to giving consumers the run around, creating problems for consumers, and making it a full-time job for a consumer to get a simple answer from them.
i have submitted loan modification request with full package last XXXX 2014 and have been waiting for the result but the lender did not give me any result regarding approval or denial of the modification. I recently applied again for update status of my application and situation. The lender has sent me the notice of sale and they want to foreclose my house over the options of modification to keep my house. They told me they will not postpone the sale date to me and wish to move on with foreclosure even though they request additional documents and had submitted for review.
World Finance Corporation called a reference looking for me on XXXX XXXX, 2016. My reference was n't sure if it was a scam or something, so she asked to verify some information about me. She demanded that they give her my social security number and the representative from this company disclosed my information. I was under the impression by law, this is illegal to do.
On XX/XX/XXXX, XXXX from XXXX XXXX XXXX ( XXXX XXXX, NV ) called me regarding information regarding my mother stating there was a legal file to review ( I have the voicemail saved ). 
XXXX XXXX XXXX ( XXXX XXXX, NV ) Asked me to call XXXX I returned the call and XXXX answered the phone and shared my mother 's full name, address, date of birth with me before asking if she was speaking to the correct person. Further identifying that there was legal documentation/courier that was sending information regarding a civil suit. They then asked me to verify her social security number over the phone. I refused. She notified me that documentation would be mailed to the address she had confirmed earlier. 

I later found out that XXXX XXXX XXXX did the same thing and called my sister. They harassed my sister who lives in another city regarding this practice as well. XXXX XXXX XXXX began to harass me and my sister, on an alleged debt from XX/XX/XXXX or before that they believed occurred by my mother. 

This course of action inspired my mother to call this agency and after threats made to her about an alleged secured debt that incurred in early XX/XX/XXXX. To find out more information regarding this alleged debt, they tricked her into what she believes would restart the statute of limitations. 

These actions are completely ridiculous and should be actionable.
On XX/XX/XXXX, I was contacted by XXXX XXXX from XXXX in regards to an American Express debt that was charged off in XXXX. Her company is called XXXX XXXX and she said a lawyer from XXXX XXXX is going to call me very soon. The lawyer called me from a blocked number ( first red flag ). He wouldn't tell me his name. I told him I can only settle a debt if I am provided with a letter that defines the actual account number that this debt refers to, otherwise there is no way to prove what account was settled. I can guarantee 100 % that I have never had an account of the numbers he provided. He got upset and told me he is going to lie to a judge that he has tried numerous times to settle this debt with me and here this is the first time I've ever spoke with him or XXXX. He says a payment of {$36.00} was made on the account in XXXX. I never made a payment on such an account after XXXX, he is either lying or a previous collector paid to keep it alive because the Statute of Limitations was running out. They plan to win a judgement by default. They won't tell me the court date or try to serve me. They have never sent me a letter and XXXX keeps saying she doesn't have to provide me any information and Liens of my auto, home and finances are in the works now. I'm supposed to pay these people who can't authenticate their ownership of a debt of mine and they are behaving like fraudulent collectors who might pull off a judges order to ruin me. 4 other companies have recently called to try to settle this same account with me and they threatened judgments that they never carried out and they all called each other fraudulent when I told them about each other and they all present the incorrect account number.
When I left school because the costs got too high, and when I moved out of my parent 's house I could no longer get the aid I needed to finish attending school at the University I started at, I was regularly steered towards what I now realize were poor options. 

Navient, among other servicers of my loans, including XXXX XXXX, continually, and willingly, as a first resort, offered me forebearance, and failed to mention not only the insurmountable amount of interest that would accrue, but the time period the forebearance was for. 

Many of the people working for these servicers had sub-par english communication, and I now realize, out of their fault, as my loan was passed through four or five different people, it eventually landed in default because of their inability to contact me because the contact information I provided the servicers was transcribed incorrectly. More importantly, it appears they made no effort at ever updating my phone number, either. 

Now, my student loans sit in default, I wasn't even able to graduate ( because moving out made me unable to receive aid at all ), and I'm trying to grind my way through self employment to get to a point where I can repair my shattered credit. I won't be able to buy a house before I'm XXXX, likely, and most of my loans ( ranging in original amounts from {$2000.00} to {$5000.00} ) have almost doubled in balance. 

On top of that, a servicer XXXX XXXX XXXX, seems to have added 18 % to my loan balances upon acquiring my loan, and we haven't even gotten to a point to talk about rehabilitation. Although, I shouldn't need to rehab my loans if these companies were more transparent and simply offered me something I could afford off of my $ XXXX/month paycheck I was getting when I first left school. 

Now an original amount of about {$20000.00}, is over {$36000.00}, roughly 9 years AFTER I've left school, and I've been notified now THREE YEARS after my loans have gone into default. Somehow, my mother received the notification letter at her brand new house they've built, that I do not live at, and I have not received a single thing at any of my previous addresses even though I have always placed a change of address. 

Now my life is shattered, my credit is destroyed, and there is no fix in sight. 

So, what do I do? I type this out in hopes that anything positive comes of it, but I know nothing will.
I filed a complint against XXXX XXXX XXXX for some late reports on my credit, acct XXXX, they did resolve that with the exception of one from XX/XX/2015. I have tried disputing and contacting company but unable to obtain verification as proof the payment during that time was late and the credit bureau almost immediately reports information accurate. My other issue, upon XXXX XXXX XXXX correcting the other late charges they provided the credit bureau with addresses that I have never resided without my knowledge, consent or confirmation. I inquired with the credit bureau Trans Union how they allow for someone or any company to report unverified information on a person and they reflect it on the account. The response from the Rep. is they only document what is provided to them and they do not verify or request any verification of information reported. This act from XXXX  XXXX XXXX and Trans Union/Credit Bureaus was fraudulent, inaccurate and deceptive, specifically for others reviewing my report for credit. To report inaccurate, unverified information should not be allowed and there should be compensation. I contacted the Transunion and the information was filed, but it is unacceptable for an Credit Bureau to report any information given to them that has not been verified or even documented by the person being reported on. This is an unfair practice and intentional malice to lower or ruin someones credit.
I have a Hard Inquiry for a request for Credit I DID no authorize from a division within XXXX   XXXX XXXX. Additional there is no contact information in my credit report to directly dispute with the company that entered the data. ( under FCRA law this should be there. classified as " missing information '' )
I received a call from someone claiming to represent the  Professional Bureau of Collections of Maryland Inc. The y spoofed the number  XXXX  in an attempt to make me believe it 's a local call. They left a message saying they need me to call them back regarding a collection item, but my credit record does n't reflect a collection account. I have family members that may have a collection account and have been contacted before by other collection agencies that want contact information of a family member. Their call back number is  XXXX .
XXXX  Transferred Ch.  XXXX  filing originally filed in  XXXX   XXXX  from  XXXX , Ga  (   XXXX  &  XXXX   )  to  XXXX , Fl (   XXXX   XXXX   ) . [ The balance transferred was {$4.00}, 200 ]   XXXX  Received a notice that Mortgage transferred from   XXXX   XXXX   XXXX    t o  Caliber Home Lo ans.      XXXX  Represented by the  XXXX   XXXX   XXXX  who REFUSED  to pr ovide me with a creditor list and amounts. Was told that the bankruptcy process is too complex for me to understand and I must pay what they tell me  ( withou t them providing me with a detailed summary ).      XXXX  Terminated my relationship  XXXX   XXXX  ( approved by  XXXX   XXXX   XXXX .      XXXX  Received detailed claim from the  Trustee  's office. The detailed list reflects Caliber with a total claim of {$77000.0 0} ( {$60000.00}, {$12000.00}, {$4300.00} ).       XXXX  Requested support fro m Caliber   (   XXXX   XXXX   XXXX   XXXX   ) since NO d ocuments were filed to support the {$77000.00} claim.      XXXX  Received a proof of claim in the form of a loan modification document with an as of date of  XXXX / XXXX / XXXX , but, still NOTHING to support the {$77000.00} claim.      XXXX  Court hearing to review creditor claims, focus on this claim fo  XXXX   XXXX   XXXX   XXXX   XXXX    ( Caliber Home Loan ). No document on file to support the {$77000.00} claim. Ordered by    XXXX   XXXX  to obtain support for the claim so that the {$77.00},    XXXX    can either be paid or dismissed for this bankruptcy ( next court date  XXXX   XXXX ,  XXXX  ).
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( Transunion ),  XXXX XXXX XXXX Account Number : XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Transunion ), XXXX Account Number : XXXX ( XXXX  , Transunion ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX , XXXX , Transunion ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( XXXX , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  , XXXX  , Trans union ).
My loan used to be with XXXX. I really like being able to pay in the branch & know my payment was correctly processed. The loan has Bayview Loan Servicing now for over 2 years. I make my payments online because on the auto-pay features states that if my payment fall on a holiday or weekend & is not process by the XXXX I can be subjected to a late fee. Every month I login & schedule a payment usually around the XXXX or XXXX avoiding weekend/hoildays. I noticed that my payment was n't withdrawn from my account as schedule. I call & they said that my payment cleared & to give it a few more days. I checked again the next day & it was shown late- with a late charge & additional fees. They said that it came back as a bad account number. I asked them what they show & the rep said that they do n't keep that info. I told them that its the same account that I always pay from & that I am never late. After over a 1/2 hour on the phone I was able to get the fees reverse & proceeded to make a payment thru then phone so I can be current. They do n't make it easy to pay them. You are not able to save your payment info & you ca n't see your info after a payment is scheduled to verify if the info is correct. If you make a payment after the XXXX, they charge you extra. You get calls saying your late starting on the XXXX of the month-everyday until the payment clears your account. They do n't even check to see if a payment is schedule. They call all hours of the day. Its the biggest monthly bill I have- I do n't need a daily reminder that it is due. legally I have until the XXXX to make my payment until I incur a late fee. I have great credit but I feel that I am treated like a some kind of low life because I qualified for a loan modification. I feel like I am in some kind of collections program & is subjected to harassments if they do n't pay my mortgage by the XXXX of every month.
I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from XXXX XXXX XXXX showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.
1st Alliance Lending, LLC ( a Connecticut Limited Liability Company ) retained my notary closing services for FHA CASE : XXXX on XX/XX/2016, for borrower 's XXXX. 1st. Alliance retained XXXX, and said companies have failed to remit payment for notary closing services. The amount of {$95.00} remains unpaid. 1st Alliance as a regulated lender has a fiduciary duty to ensure their service vendors are compliant in their business practices.
In a follow up to Case number : XXXX, no communication my request to verify this debt has been provided, from my originally request sentXXXX/XXXX/15 to the creditor requesting funds. As it has been past 90 days, how was Equifax provided proof and nothing sent to me, plus by law the lender asking for payment has 30 days to provide the requester with proof this is their debt. As there has been no communication from the lender to me, please have this matter resolved ASAP and removed from my credit report with all XXXX major bureaus. If Equifax has proof, please send all documentation to me.
On XX/XX/2018 I sent a certified letter to Tranunion, XXXX and XXXX to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from Transunion saying they will not investigate my disputes.
I applied for the income driven program during the process of a year with not having any payment due, my interest rates accrued at a ridiculously high rate. After calling several time inquiring about the rates they said that it was nothing that they could do. They are very rude and not willing to help. I asked them about the option to work on payin my bill down and they basically offer m rte ft paying {$150.00} for month and XXXX for the remainder months.
There is a second name that is not mine and never has been and there is also an address I 've never lived at or received mail at.
I ca n't get a free report. I first have to pay XXXX for a credit watch. No where does trans union have a link to go to free credit report.
Never received a phone call from XXXX. Never received a bill. This is due to they were sending it to an address that is not mine. the account was opened with an address of XXXX, CA XXXX. I have NEVER lived here. I have a police report # XXXX. I have sent in a notarized fraudulent letter to the original creditor. The collect Diversified Adjustment services, is still reporting this as a collection on my XXXX account. the fraudulent address is till being reported as mine. recently received a letter from a new collection agency requesting paying for same bill.
I took out a loan for roughly {$5000.00} back in 2001 when I attended XXXX XXXX. I 've been paying on this loan for several years. To date I have paid more than XXXX for a XXXX loan. In 7 years, roughly XXXX has been applied to the principal ; leaving XXXX paid in interest. I still have XXXX remaining on this loan. This is embarrassing and I 'm saddened by the fact that it 's taken me this long to pay this off. At 9.4 % interest - It 'll be years before I can pay this off.
I received a letter in the mail dated XX/XX/2016 stating that I owed my previous apartment complex the XXXX at XXXX for damages pertaining to carpet replacement for a fee of XXXX, stove top replacement XXXX, blind replacement XXXX and an extra cleaning fee of XXXX. I called the complex the following day to find out how they came up with these charges. I spoke with XXXX and she could not even describe a specific location of where the carpet was damaged. She also told me she was unsure of how they were charging me for blinds but I need to pay up. I also sent them a certified letter asking for proof. They failed to respond to the letter but instead sent the bill to a debt collection agency. Also I asked for proof of the damages with pictures and bill receipts showing the work was done and I never heard back. I am writing to inform you of the unfair practice of the XXXX at XXXX XXXX. They need to be thoroughly investigates as I am worried that I am not there only victim. I have a lawyer and have disputed these charges. 
thank you kindly.
On XXXX/XXXX/2015, I obtained a payday loan for {$400.00}. Starting on XXXX/XXXX/2015, I have been paying back on the loan in the amount of {$100.00} each month. 

XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} XXXX/XXXX/2015 - {$100.00} The above payments totaling {$400.00} have been ACH debited from my checking account to repay the payday loan. As of XXXX/XXXX/2015, my payday loan account information on the www.castlepaydayloan.com website is showing an outstanding balance of {$20.00} that still needs to be paid towards the payday loan. When I contacted Castle Payday Loans customer service department on XXXX/XXXX/2015, to pay the remaining {$20.00} owed on the payday loan, I was advised that I still needed to pay {$520.00} towards the payday loan because the {$100.00} payments I have been making every month have only been applied towards interest and finance charges, according to Castle PayDay Loan 's customer service department. I asked to speak to a superviser regarding my account and was transferred to a superviser named XXXX, who advised me that I have not paid towards the payday loan and that the {$400.00} I have paid so far was only for interest on the loan. That is crazy and I do not understand how much money Castle PayDay Loans is expecting me to pay back for a payday loan of {$400.00}. None of their customer service representatives or supervisers can explain it to me to where it makes sense and so that I can understand. I want them to stop ACH debiting my checking account, but they will not.
After reviewing my credit report and noticed a delinquent account that I do not recognize this account. It apparently is a result of identity theft and needs to be removed asap.
I was trying to sell my home to the current renter. He went to Union Bank in XXXX XXXX and submitted a loan application. The loan officers name was XXXX. I am writing this for him as I strongly feel the Bank practiced poor business ethics regarding his need to borrow money in order to purchase a home. I strongly feel this whole case needs to be investigated. I at some point tried to help by contacting supervisors and then a director in XXXX, XXXX, over the loan department. His response was very poor at that.. and at one point a supervisor, XXXX called me to tell me the loan had been approved and 2 weeks or more went by with only promises to my renter they would have docs soon and call him back. Well they never did. He was forced to move out because of their poor business practice. Kept telling him for at least a month the loan docs were coming. They told him everything was approved.. told me too ... They did try to charge him {$500.00} for filling out a loan application. Charged him for loan appraisals too. 

PLease investigate this whole file.. Union Bank Has disgracefully performed!! 
This man had a shot at buying a home for his family and Union Bank Shattered that dream.. did not act in good faith.. drug out the process causing him to loose his opportunity. I feel they lied about what they were doing on more than one occasion thus becoming a very unreputable lending Bank. Practicing poor business ethics at best.
On XX/XX/XXXX I contacted mr. Cooper also known as Nationstar bank to apply for a refinance cash outloan. I talked with the lender and submitted all required documentation the lender. They inquired as to my reason for money to cash out on my property I indicated that I was going to be doing some update repairs or Renovations paying off past that with the funds. I was then emailed a quote which showed the amount that I would be receiving at closing in the fees associated with taking out this kind of loan the lender then indicated to me that because other borrowers defaulted on a refinance loan it would be difficult to get my loan approved. I was also required to send over pictures of my home and was also told that I would have to prove that I live in this home. I then contacted the lender again for specific reasons as too why my loan was being denied and was simply told oh we don't do those types of loans. on XX/XX/XXXX, I emailed the lender again asking for specific reasons as to why my loan was denied and they refused to respond or sent out any denial letters.