WillisBack/dataset-financial-user-claim huggingface dataset:
Receiving automated phone messages from a company identifying itself as a collection agency for United Consumer Financial Services Company. A loan with that company was paid off in XXXX 2016. I want this company to cease calling my phone. The number the messages come from is XXXX. Attached, please find correspondence confirming the debt is paid in full. Thank you.
XXXX bill was NO longer in my name, when it went to collections. I took my name off the account 4 weeks after account/line was opened. Myself and the primary account holder completed a change of liability at the XXXX store.
A couple of months ago I received a letter from USAA indicating that I owed some money and my account was past due. I called them to indicate that there has been an identity theft since I never opened the card nor was in possession of the card. Over the past few months I have called them several times to address the issue. Every time, it seems as though they are doing something about it but they arent and I find that they are simply having the collection agents harass me about the money. There is no mention of what they have done to investigate the identity theft and what their conclusion was. When I call identity theft department at USAA, they hear me out for a few minutes and either put down the phone or connect me back to collections. 
It is extremely unprofessional and I have not seen this with any of the credit agencies or banks that I have dealt with. 
At a minimum, i would have expected them to take note of the details, investigate it and get back to me on why they think that I was the one to open the account or atleast let me know the outcome of their investigation. I think there has been a presumption on their part to conclude without adequate investigation that I was the one to open the card. USAA I am told is typically open only to people either in the military or relatives of military. I have NO connection to the military and it seems like they did n't even bother to check this fact before issuing the card to whoever was impersonating me. 
I think the burden of proof should be on them to show me the documents to conclude that I opened the account. I even told them that I have a filed a police report and was willing to provide them with the report number. They did n't bother with it since they have pre-concluded without any investigation. I was told that the domain of the email address which was used to open the account was " XXXX ''. If they use a little common sense, that would be the first indication that it is a fraudulent account or atleast give me a chance to hear me out and take my complaint seriously. 
It has been extremely frustrating since they seem extremely unprofessional in the way they are going about this issue. I have been thrown around from one department to another and there is no transparency on what is going on. When I first reported it, they seemed to take down all the details but a few weeks later, they indicated no record of it and asked me to repeat the story again. I did and someone pretended to file a report and gave me a case number XXXX with the promise of some outcome in 5-7 business days. When I called them after a week with the case number, they simply were trying to transfer me back to collections. 
I feel I have no recourse as a consumer as I have no way of knowing what they are investigating and what they are concluding. I seem to be at their whim and they are holding me to ransom for their negligence in not verifying some basic credentials such as signature and proof of military. I think they need to be held liable for their negligence.
I have two companies that are still showing open on my credit report. The accounts have been closed and the companies are no longer active. This is showing derogatory and needs to be removed. 

XXXX XXXX XXXX XXXX XXXX this was taken care of already with insurance and was settled closed. 

XXXX XXXX XXXX XXXX XXXX I have called the company and settled the debt already. And it was considered paid off and was suppose to be removed.
I recently learned that XXXX XXXX on behalf of JcPenney is reporting to the credit agencies that they filed suit regarding my account. At no time have I been notified or was notified that XXXX XXXX   filed suit in XX/XX/XXXX. How can this be if the account was opened XXXX XXXX. This account didn't become late/become a bad account until XX/XX/XXXX according to XXXX XXXX XX/XX/XXXX response ( letter attached - 4th paragraph ) to a another CFPB complaint that I filed therefore why would XXXX XXXX file suit. In addition, there is no information indicating that they filed suit any of the prior complaints that I filed about XXXX XXXX. 

I never received a letter, call and nor was I served regarding this account. 

I want XXXX XXXX to delete their tradeline/public record information from all of my credit reports : XXXX, XXXX, XXXX XXXX and XXXX.
Back in XX/XX/XXXX/XX/XX/XXXX my wages was garnishes for a student loan that I was unaware of the origin. So as I kept trying to go back to figure out who the original company was to even know if this was accurate to stop the garnishment. The company I dealt with agreed to stop the garnishment but I had to agree to switch the new payments to XXXX. The companys name is GC services. This happened in XX/XX/XXXX. So whenever I attempt to log on their website and pay it says my information is incorrect. I then pull my credit report and I realize my date of birth is incorrect which is now making me wonder if this loan even mines to begin with. It separate from the other loans I have had. So Im looking for some clarification. I attached what information I had from GC SERVICES. Again a loan was being garnished and they were taking all of my paycheck at the time. They sent me documents and told me my loan would be restructured and thats how I started with XXXX. I mistakenly never asked for proof of the loan.
My private student loan is through CitiBank, Citi Assist loan. XX/XX/2016, the interest rate went up on my student loan by .25 %. That is fine. BUT, my payment more then doubled. I went from paying {$130.00} a month with a 4.25 % interest to {$320.00} with a 4.50 % interest rate. This seems WRONG correct? They were not helpful. They suggested I do a direct debit to reduce my interest down .25 %. So I did. My interest went back down to 4.25 % ( my original interest ) and now my payments are {$130.00}. So basically I am getting screwed by them because none of this makes sense. I firmly believe this new payment of {$130.00} is WHAT I should have been paying with the interest increase. They tried to double talk me when I asked about my new payments after the interest hike and they were not helpful and did n't do anything. I am very scared about the next interest increase and what they will come up with for my payments.
I disputed the collection with transunion years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX
on XX/XX/XXXX/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out
On XX/XX/2018 Scrng Reports made a hard inquiry on my XXXX credit report without my authorization. On XX/XX/2018 XXXX  confirmed there was a fraud alert placed on my file which would require additional verification prior to accessing my file. I have no idea what Scrng Reports is or why they accessed my file but it was done without my authorization. Please remove this inquiry immediately. I have been working to remedy the effects of Identity Theft and I am afraid this was the result of someone who has my information and is deciding to use it again. Please also place an extended fraud alert on my file to prevent access to my information
I received an alert through XXXX on XXXX that my account had dipped by 15 points. Upon investigation, it was saying that I was 60 days late on all accounts. I called Equifax on XXXX and submitted a dispute. The rep conceded that it was Equifax error. That I wasn't 60 days late on any account and advised me to have my creditors update it. She said she could not fix it. However, even though the information was incorrect and it was their system error, which they admitted. I have not received the 15 pts back. In addition, the did another update after that which reported incorrect information making it appear as though I raised an account by {$2000.00}, that dropped my account another 13 points. I disputed that. The information was corrected but I never got the 13 points back. That's a total of 28 point in the span of a month while I am trying to buy a house. Their negligence is impacting my ability to secure a loan and the interest rate which I am being provided.
i have sent letters in the the Credit Bureau because someone applied for items in my name without my permession.
Too many account of XXXX XXXX  on my credit report wrong database amont pls remove from my credit report
This compliant is being filed against ACS Education Services ( ACS ). 
My private student loans ( XXXX loans serviced by ACS ) were recently consolidated and refinanced with a new lender ( XXXX XXXX serviced by XXXX ). Funds were transferred by XXXX to payoff the loan on XXXX/XXXX/2015. Due to the time involved in the application process, the amount of the payment by my new lender exceeded the loan balance with ACS in the amount of {$630.00} XXXX XXXX used the payoff balance as of the time of my application, which did not account for recent payments ). 
Following the payment, ACS deducted an additional {$560.00} from my bank account - apparently they had not yet cancelled the auto debit in spite of the loan having been paid off in full. Thus, my loans were overpayed by a total of {$1200.00}. 
I called to discuss the overpayments with ACS. On XXXX separate occasions I was told that funds would be returned to either me or the new lender ( and applied to the principal balance ), and that the process would take a total of XXXX days. It has now been XXXX days, and the {$1200.00} has not yet been returned. 
I contacted ACS today XXXX XXXX/XXXX/2015 XXXX for a third time requesting a status update. As of today I was told that they need to issue a new request to the department that handles payments/reimbursements, and that the process will take another 30 days - I have already waited XXXX days, much longer than the promised XXXX. During this period I have been out of pocket the {$560.00} that was sent to ACS ( and am still expected to make payments on time to my new lender ), and what 's more, my newly consolidated loans are incurring additional interest due to the added {$630.00} in principal on the account.
Contacted Credit card company regarding an online purchase for event tickets which I have not received yet. The event is on XX/XX/XXXX - I purchased them on XX/XX/XXXX and expected to receive them by now. No actions were taken by my credit card company - they allowed this 3rd party ticket vendor to charge me almost a year in advance and they will not take this {$3000.00} charge off of my bill.
I obtained a loan for a XXXX XXXX XXXX XXXX from my XXXX so that I can attempt to XXXX. The loan amount was paid directly to the doctor however after having an XXXX XXXX it was discovered that the XXXX were never removed meaning although I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  therefore, I am requesting to no longer be obligated for the loan I obtained and that the loan company retrieve payment from the Doctor Who they paid to complete the procedure. ( XXXX XXXX XXXX ) no one at the medical facility is contacting me back and no one that at XXXX XXXX XXXX is attempting to resolve the issue or contact me back either.
I am writing to dispute the following information in my file. I recently received a copy of my XXXX report. The credit repot show inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put inquiries on my file unless I have authorized it.

The FCRA states that the only permissible purpose for pulling credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Chase sent me an offer for 15-month 0 % balance transfer around XXXX or XXXX XXXX. After some considerations, I took up the offer and made a balance transfer near the end of XXXX XXXX, and paid transfer fee. I set up online automatic payments. Strangely Chase stopped to send any monthly statements after that but later notified me to switch to online billing, while no e-mail monthly statements were received. Checked e-mails including spam files never yielded any e-mail. Started XXXX XXXX, merely 13 months into the offer, Chase started to charge interest. I called, one customer service rep and his supervisor both stressed that the offered 15-month period starting at the time the offer was issued, not the time of transfer. I never heard such offer and such term. I asked the bank to provide me with original records but Chase has n't provided. 
To me, it is typical " bait and switch '' tactic.
A soft credit report was done by XXXX XXXX Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from XXXX XXXX XXXX. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted XXXX XXXX XXXX and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX  soft credit pull they did I notified XXXX XXXX Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking XXXX XXXX XXXX to validate a debt they did not respond in 30 days. I eventually found the original letter from XXXX luckily I disputed within 30 days and have my rights per FDCPA. XXXX did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! XXXX is working with another company, Security Credit Services. Security never contacted me after I asked XXXX to validate within 30 days. Neither company validated or contacted me per FDCPA. Security Credit Services has put derogatory marks on all three of my credit reports even after and XXXX failed to validate. After Security hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with XXXX before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent XXXX XXXX XXXX and Security Credit Services. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.
Equifax continue to report 16 delinquent accounts that are all current and paid as agreed. I've disputed this inaccuracy online and letter mailed certified, and they still refuse to correct the inaccuracy that is causing lenders to deny personal loans, pre-qualified auto loans, and home loans.
I had a Sam 's Club Discover card. Sam 's club changed to MasterCard and I declined the card ( at the store ). Today I received a bill thru email on the same MasterCard I declined. I did not receive a paper bill ... I had no account number that I was aware of. I never received or activated a MasterCard.
i have told them that i can't make the payment because i have enrolled in school and trying switching jobs.
XXXX XXXX called my home number listed allegations filed against me and failure to contact her will result in legal action. the name given ( XXXX ) is not anyone that resides in our home, currently or previously. We do not have any outstanding debt, or allegations against us.XXXX. number stated it is a debt collector and kept me on hold ( probably long enough to get my office number ) and then told me the person at number XXXX is not available, please leave a message.
I took out a loan for {$600.00}. I never spoke with anyone, everything came by email. My payment is XXXX bi-weekly and I 'm no where near being finished paying it off. With interest laws in NC i thought this loan would be paid off after a few months but when I was finally able to login to my account to date I 've paid XXXX in just interest and only a total of XXXX to the principle since my first payment XXXX XXXX, 2017. 

This does n't make any sense. This account should have been paid off already, but when my payment is taken sometimes on XXXX is going towards the principle. It says my interest rate is 697 %. Is this legal? I finally decided to do research about the laws and NC law says 36 % is the limit. Can anyone assist? This was supposed to be to help for unexpected bills for a short period, but the balance has never gone down low enough to pay it off because most of the payment is going to the interest. 

I would think the interest rate would be higher if someone was missing payments, but I am current and have never gotten an extension or missed a payment and I have still paid an exorbitant amount.
XX/XX/XXXX I had decided to consolidate my school loans before entering repayment. Multiple Navient employees informed me that consolidating my loans from XXXX ( years XX/XX/XXXX-XX/XX/XXXX ) with my XXXX school loans ( years XX/XX/XXXX-XX/XX/XXXX ) would not impact which income-based repayment plan I qualified for. I expressed my concern that my old loans would disqualify me for some plans, but was reassured that because they were being consolidated, the entire consolidated loan would qualify for all repayment plans. After consolidating and switching lenders ( to XXXX ), I was informed that I could not qualify for the PAYE repayment plan because my XXXX loans were consolidated with my loans. It was very frustrating to be misinformed by several different employees, especially after directly expressing my concerns regarding how my older loans would impact repayment of a consolidated loan.
I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because one was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did transunion allow such numerous companies to access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
I want the ALL the fees restored to ALL my accounts with BANK OF AMERICA from the time I began accounting with the since XX/XX/XXXX to XX/XX/XXXX.
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
XXXX is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
Mortgage with Wells Fargo Bank in XXXX for my home. Had to file ch XXXX bankruptcy on XXXX XXXX following a nasty divorce in XXXX. I completed the intent to re-affirm on my mortgage with my attorney and sent to the judge as well as to WF. Judge signed off on everything XXXX XXXX ; told everything was fine. XXXX XXXX loan officer from WF contacted me to refinance my mortgage ; completed paperwork and was stopped at underwriters dept stating that re-affirmation paperwork had not been completed/accepted and loan was discharged. After multiple conversations with the bankruptcy dept at WF and my attorney - no resolution was made. Filed a claim w/Attorney General 's office in XXXX against WF. Filed motion to re-open bankruptcy case requesting WF to lift the stay and report payments. Motion to re-open bankruptcy case was granted and on XXXX XXXX, XXXX appeared in front of the judge. Judge granted motion asking WF to lift stay and report all payments ( WF has not reported payments since XXXX XXXX XXXX as I have not missed any payments ( I have records of each pymt ). I can not refinance my mortgage ( to get it out of WF hands ) as my credit score is too low and with a mortgage accounting for more than 78 % of credit score ... I need WF to report my payments. WF has managed my escrow account this entire time - paying my homeowners/property taxes. I am being denied on loan request for my kids ' college parent plus loans, denied for auto loans ( unless I want to pay a ridiculous interest rate XXXX. My attorney believes that I have a lawsuit against WF, however I do not have the funds for this. I am just looking for some help to get this resolved - I have been fighting with this stupid bank ( HORRIBLE CUSTOMER SERVICE ) since XXXX. Any help with this matter would be greatly appreciated. I will attach all documentation ... please advise if you need additional documentation to proceed. Thanks Much!