WillisBack/dataset-financial-user-claim huggingface dataset:
Today I received a letter from my supervisor at work that I had a personal phone call from this XXXX from Pioneer Credit Recovery. I was extremely upset and embarrassed!! I have never not once heard of this company and certainly have not received anything via US Mail that I owe a debt to them. What are they doing calling me at work > Is n't this a violation? How can they just start harassing me at work when I have yet to receive anything documenting this supposed debt >?
I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX XXXX. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXXXXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted XXXX XXXXXXXX and they have confirmed that I XXXX XXXX XXXX have never had an account with them and XXXX XXXX does not know why PORTFOLIO RECOVERY ASSOCIATES LLC IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED PORTFOLIO RECOVERY AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT PORTFOLIO RECOVERY ASSOCIATES DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A VISA CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW  IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.
I filed a complaint with your agency last week. This complaint is in regards to Navient private student loans. I spoke with my rep, XXXX, who offered me a seven month the forbearance on one of my private student loans which was the most likely to default. When I signed in to Navient system the forbearance payment of {$50.00} I made and the forbearance was nowhere on my account. I sent an inquiry to Navient and I filed a complaint with your agency. Navient has now contacted me and is claiming that the forbearance was backdated and ended on XXXX 2017, so my loan is not actually in forbearance according to a different representative. That is not what was explained to me by the representative I spoke to at Navient. I was informed that the seven months forbearance would allow me to get the other two loans caught up potentially and figure out some financial options. Navient is saying they backdated the forbearance. That whole argument is confusing because they have already reported me negatively to the credit bureau 's and if I was in forbearance they would n't have anything negative to report.
My documents we submitted by the deadline noticed in the paperwork and my loan payment recertification was completed by the deadline provided. However, after I received my recertification letter my account was placed into forbearance without my permission and without being informed that such action was being taken in regards to my account. This was only discovered when I realized that I did not receive a statement for the month of XXXX. When I called Nelnet, they informed me that they were " doing me a favor. '' At this point I asked to speak to a supervisor because action was taken on my account without my consent. After much discussion with the supervisor I was informed that my account could only be taken out of forbearance after a payment was made. I immediately made the payment which should have been on the statement that was never sent to me. After informing the supervisor that I made the payment and I would like them to take my account out of forbearance and to not have the interest that was accumulated during this time to be capitalized to my loan amounts since this was done without my permission. Supervisor told me that she could not do this until after the payment posted which would be sometime the next week. I had to follow-up the next week with Nelnet and again ask that the forbearance be taken off my account as it was done without my permission and asked again that the interest during this time not be capitalized. This was finally sorted out and I received a letter afterward that my account was put in forbearance incorrectly! It took HOURS to get this all sorted because Nelnet put my account in forbearance without my permission and without notifying me that they were doing so. This is extremely wrong and they should not be allowed to change someone 's account status without their permission and especially without notifying them of the action they are taking. Also, for the record, I had not missed a payment or done anything which would have justified them in believing that I would n't be able to make my monthly payment.
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.
I took line of credit from washington mutual on XXXX/XXXX/2015 for the purchase of second home that was supposed to be investment property.I had given XXXX as down payment for the purchase of that second home and that money was given to me from washington mutual as heloc.due to crisis in real estate the value of that proprety went down and I could not keep up with a payment.House went on short sale, chase took house.At that time due to all my hardship I applied to modify my line of credit that was only interest rate loan.Chase never wanted to modify my loan but always prolonging the process asking for the new documents and proofs.I was sending on regular basis papers.I had case manager XXXX XXXX telephone XXXX ext XXXX. I was calling him every week to check on my case.In my desperation of not moving forward I paid some legal adviser and helper Colleagues in law to help me facilitate this loan modification.Legal adviser did not do anything for me but stole XXXX dollars from me.In a meantime Chase put me for foreclosure and not only that I did not get help to modify my primary residence loan but I almost lost my primary home.I had to file bankruptcy and pay XXXX more to stop foreclosure on my first and only residence.Chase always stated that I did not send the needed documents or some other issues blaming me and never admitted that the reason they did not modify my heloc was that they did not have any financial interest in it because my XXXX mortgage with XXXX is current and value of the property went up and equity building in my home, perfect for Chase to take my home and help themselves instead of helping resident of Florida attacked by mortgage crisis.
In XX/XX/XXXX I consolidated my XXXX loans because I applied for the PSLF ( Public Student Loan Forgiveness Program ). I worked at XXXX from XXXX-XXXX which is a XXXX XXXX public service company. I qualified for this program so my consolidated loans were transferred to XXXX XXXX XXXX. Under this repayment plan you have to make 120 qualifying payments on a RPAYE Plan and never late. After 120 payments your loan balance is forgiven. I had 20 qualifying payments while being employed at XXXX ( as stated in a letter I received from XXXX XXXX XXXX on XX/XX/XXXX ). Last Friday, XX/XX/XXXX I received a letter in the mail 2.5 years after qualifying for the PSLF Program, that this employer did not qualify for the PSLF program. XXXX XXXX XXXX took away my 20 qualifying payments and it is currently at XXXX. They are stating this is because their compliance department determined that XXXX is not a qualifying company. The is 100 % FALSE and they refuse to work with me to resubmit an investigation. I have documentation to support that XXXX is a XXXX XXXX XXXX public service XXXX company and does in fact qualify for the PSLF Program. You can clearly find on their corporate website XXXX that this is a public service company!
After numerous times of asking Experian to verify my XXXX 's account which has been opened since XXXX 2012, Experian failed to verify this information. Instead, on XXXX/XXXX/XXXX, per Report XXXX. XXXX, they DELETED the account completely. After speaking with XXXX XXXX 's, they told me on the telephone they NEVER INSTRUCTED EXPERIAN to delete this account because it 's in good standing. I have written Experian repeatedly telling them they are not investigation this properly, I have provided proof from XXXX XXXX 's and they refuse to make any change to my credit report.
The company is XXXX and XXXX, a debt collector. They took over the account I had with XXXX -- that was sent to Midland Funding. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to XXXX. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union XXXX According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.
I contacted XXXX and Experian about a account showing on my credit report which do n't belong to me called XXXX XXXX. I asked them both to provide documents proving the account belongs to me on several occasions and they did not.
According to XXXX, a credit card I don't even remember applying for, my application was denied by Experian for the following reasons : " You have filed for bankruptcy and your previous account ( s ) with us was including in that filing. This includes any of your accounts issued by XXXX, XXXX, such as XXXX, XXXX, store cards, or gas cards. '' * I never had credit account ( s ) to me recollection with any of the above-referenced vendors. Although I did file for bankruptcy on or about XX/XX/1999, that bankruptcy was long discharged and should have no bearing on current credit applications. 

*According the Experian Dispute Center there are, at least two,  completely misspelled aliases to my name that have nothing to do with my account, are not aliases I or anyone with my authorization have ever used in the past in any financial transaction, and are so off from the correct spelling of my name that common sense can easily see the difference. However, the Experian online dispute center does not allow my to dispute these obviously false aliases. 

*The Experian dispute center shows several hard inquiries, including a XXXX XXXX in XXXX XXXX I have never visited, never contacted, or ever done business with, and no credit inquiry was approved by me. The same is true for an auto loan from XXXX XXXX with whom my wife had a previous auto loan with which was a very negative experience. They are the last lender I would ever authorize to do a hard credit check on my account. 

The result of Experian 's false, misleading, outdated, and completely erroneous credit history provided to potential creditors is defamatory, and injurious to my efforts to establish legitimate accounts with potential creditors and actively preventing me from improving my overall standing with those I do have. Furthermore, the limited access they provide to consumers make it nearly impossible to dispute or get this erroneous information corrected. 

Sincerely, XXXX XXXX
The issue is that on my XXXX Credit Report .My Date Opened is incorrect. I have disputed it with XXXX three times and filed a complaint and a dispute through you CFPB and it still is has n't been updated. Date Opened needs to be updated to XX/XX/2016. It 's reporting incorrectly as, XX/XX/2016.
This is concerning the recent Equifax data breach. This is a service that I never agreed to - it is nearly impossible to survive as an adult American without a credit report. 

The company was the victim of a breach of most of it 's customers personally identifying information. They appeared to withhold the breach from the public for some time after it occurred. It 's leaders apparently sold stock in between the time of the breach and the public finding out, indicating that they knew and may have conducted insider trading at the expense of 140,000,000 million Americans, or nearly every adult alive who has interacted with the nation 's financial system. 

The service Equifax offered to find out if you were potentially a victim reported to me that my information may have been compromised. 

As a result, I will need some element of identity protection for the rest of my life. I have been advised to freeze my credit. This is small compared to the likely impact on the nation 's financial system and identification systems. 

It is difficult to convey the immense scope and future impact of this company 's criminal negligence in words.
Someone has opened a vehicle lease in my name on or around XXXX XXXX. Someone has opened a Home Equity Loan in my and on or around XXXX XXXX. 
I was not in the United States in XXXX XXXX. 
I have never purchased a home and therefore would not have a need for a Home equity loan. Someone has stolen my identity and used it to buy a car and a home.
In XXXX, without notice, XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on XXXX of them. 

Fast forward today, I noticed a derogatory mark on my XXXX report. I called into XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX offered to submit a form to expunge this record from my XXXX report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through XXXX to find the collection agency and pay off the balance there. I called XXXX to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. XXXX claimed that the balance was not in collections. 

Lo and behold, XXXX also failed to notify me that they reported the " delinquency '' to Experian as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with Experian to dispute the mark, I found it ridiculous that I had to clean up XXXX 's mess. This should be XXXX 's responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX straight.
Equifax is showing same bankruptcy on credit report twice file date was XX/XX/XXXX And discharge date was XX/XX/XXXX for the same bankruptcy. I have 4 open disputes with equifax I 've sent them faxes and uploads showing this
On XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.
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 so I can move on with my lifeXXXX XXXX XXXX XXXX XXXX   : XXXX XXXX  : XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX  : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX : XXXX XXXX, Unknown XXXX : XXXX.
I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my XXXX XXXX XXXX  report I talk with XXXX XXXX and they said they have no information also I spoken with XXXX they tells me to call the police and XXXX XXXX is not helpful at all
Was current on Mortgage . Husband lost job and making payments was getting difficult. Company said in order to apply for modification, I had to be behind on payments. Skipped one payment, then applied and was approved for a loan modification. Successfully completed Trial Plan Payments, and at end of the trial period, mortgage company refuses to complete the offered modification. They are now trying to foreclose.
I bank with PNC on XX/XX/2018 I was charged two XXXX overdraft fees on XX/XX/2018 I was charged another XXXX on XX/XX/2018 I was charged another XXXX along with another XXXX and on XX/XX/XXXX I was charged again XXXX. I tried calling to get the fees waived because I have a automatic saving account that takes money out of my account and puts it in a outside saving account. Multiple times I put the money back in the account but it takes 3 business to get the money back in the account. The money that was being taking out was XXXX dollars now I have a negative balance of XXXX because of a total of XXXX dollar insufficient funds. I believe that is totally uncalled for how does XXXX dollars get you a negative balance of XXXX.
I had a mortgage with XXXX XXXX XXXX and filed bankruptcy XX/XX/XXXX and wanted to reaffirm my mortgage. They refused to sign the reaffirmation agreement after asking for an extension for them to sign the papers. A filed the papers with the court and was given a deficiency filing status under chapter XXXX and it was denied under chapter XXXX prior to converting. 

The mortgage showed as closed on my credit report and I was advised through legal assistance that I was no longer responsible for the loan. I attempted to get them to work with me but they refused demanding all the money, they transferred my loan to XXXX XXXX XXXX sometime in XX/XX/XXXX and they initially did not want to work with me either. 

I was able to supplement income and applied for a trial modification that was eventually approved and it became final in XX/XX/XXXX. 2 weeks ago I check my credit report and see that XXXX XXXX XXXX is still listed as closed on one credit report and has been removed from the other report. XXXX is now being listed as open mortgage account with current payments and 8 missed payments, after showing being closed.
After changing jobs in XXXX XXXX, I took a considerable paycut ( former yearly salary of XXXX and current yearly salary XXXX ). I attempted to decrease my monthly payment, as I was already enrolled in an income driven repayment plan. Navient told me there was nothing I could do to change my plan until my taxes were completed in XXXX. I paid XXXX extra a month from XXXX until XXXX. Once i got my taxes done, Navient repeatedly gave me the run around with which form to use and the timing of the form. Everytime i called a rep would tell me i filled out the wrong form, and to try this form, only to call back and have them have me fill out forms i had already completed and sumbitted. After I had filled out ( and had my husband cosign ) pretty much every income driven form on the website, they started telling me the timing of the form submission was wrong. The result was me paying XXXX extra a month for a total of 8 months in XXXX, in addition to all the extra paid in XXXX and XXXX. My submissions for a new plan started in XXXX, my new income was not reflected until my XXXX statment. I thus was forced to pay extra on an income driven repayment plan from XXXX XXXX until XXXX XXXX.
My target card had autopay linked to an old bank account, and after two years of full credit card payments ( on time, and through autopay ), I had insufficient funds in that account. This was my error, so I called Target immediately, paid the full balance plus the {$25.00} NSF fee and requested to change my autopay account. They told me to do this online. I changed the account online to my current checking account and called back to confirm they could see the new account. Target confirmed. The next month they tried taking funds from the old account AGAIN, even though I had changed it, and I had ANOTHER charge for insufficient funds. When speaking to a CSR and their supervisor, XXXX XXXX, on XXXX/XXXX/15 they told me that changing my bank account numbers for payments on line was not sufficient and I had to cancel my autopay agreement and create a new XXXX. None of this information was online, or provided during my confirmation phone call. The website and employees were misleading due to the lack of disclosure, and is both unfair and deceptive, and when I requested the late fees to be returned for them providing incomplete and false information, they refused. The website should have clearly stated information about the new autopay agreements and the employee should have clearly disclosed this on the phone. I should not have been charged the {$25.00}.
In XX/XX/XXXX, I received a letter from Capital One explaining that after an SCRA benefit was attached to my account, my interest rate was lowered to 4 % and that they now owed me {$780.00} dollars. I called them and they said they would mail the check out to me then, and it would take up to 10 business days to receive it. 3 weeks go by and I call back again. During that phone call, Im advised that they havent sent the check because my account needs to be in good standing for 3 months and that they, will send my refund check of {$780.00} dollars in XX/XX/XXXX. I call back in XX/XX/XXXX and Im advised that my account is in good standing and they will release the check to be sent out on the XX/XX/XXXX and that it will be 10 business days maximum. I call back in XX/XX/XXXX and Im told I shouldnt have waited so long for a check and they will reissue another one that day, and to wait 10 business days again. I call again on XX/XX/XXXX and Im told its been sent snail mail. It is now XX/XX/XXXX and I called again a few days ago and Im being told to wait. I have received all my monthly statements but this check is magically missing. It doesnt make sense, and I would like this looked into. I have asked on multiple occasions Ive asked for the check to be overnighted, and was told that was not an option.