WillisBack/dataset-financial-user-claim huggingface dataset:
i have continueslly disputed the account from XXXX # XXXX and XXXX XXXX # XXXX both frauds account established under my name last year 2015, account were opened as fraud and hacked and continue disputes have been filed with the creditors and equifax and nothing has been done by either parties and equifax still reflects these fraud accounts under my credit file and no signatures or proof from either creditor has been sent to me that my signature Authorized these accounts or any transactions made on both accounts
I have contacted transunion and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
Constant phone calls from Navient from morning til night. Spoke with representatives and was told there is no forbearance for private loans and no escaping payment
My name is XXXX XXXX and I have owned my home for 27 years. I am now facing a foreclosure sale date on XX/XX/XXXX because the company that is holding my mortgage loan Seterus is refusing to reopen a review of my current financial information in order to qualify for a modification of restructuring of this loan. My mortgage loan is backed by XXXX and I have found out that XXXX has several new programs they introduced that are designed to help struggling homeowners. I have been struggling after being laid off in XX/XX/XXXX from my primary job. I was able to hold things together with money from my XXXX and seasonal income XXXX but was not able to afford my mortgage. I applied for help and ended up getting approved for a new modification, but instead of lowering the interest rate or the payment it actually made it INCREASE. Based on the money I was earning at that time this was not affordable. 

I have now been back working XXXX jobs for several months and my financial situation has improved. The problem is that Seterus has already closed my case, and refuses to give me another chance to be reviewed for modification programs and instead is trying to foreclose. There is no open case, no single point of contact etc. I thought that if your financial situation changes or improves that the lender is required to conduct a new review of the current information to determine what I could qualify for. I do n't think it is right or fair that Seterus is failing to offer me access to these government programs that I feel I qualify for. I am a XXXX veteran and working XXXX jobs to make ends meet. I have lived in this house since XX/XX/XXXX and have never had a problem paying my mortgage until the last two years. I feel that I deserve a fair shot and should be treated properly and given access to all available programs to try and save my home.
I have a some addresses on my report that are not mine. My name is XXXX XXXX XXXX please remove any other variation. My CURRENT AND ONLY EMPLOYER IS MY company : XXXX XXXX XXXX (XXXX XXXX) Please remove all other employers I am not affiliated My current and only address is XXXX XXXX XXXX , XXXX,OH XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXXTHE FOLLOWING PHONE NUMBERS ARE NOT MINE PLEASE DELETE (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX (XXXX) XXXX
I am receiving attempts to collect from a company ( XXXX XXXX XXXX , XXXX ) I am not aware. In addition, the company ( Onemain Financial , Inc ) is listed, as the original creditor, I am unaware. I need to prove from XXXX XXXX XXXX that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork ( contracts signed from XXXX ). I have no records of a contract by me with XXXX XXXX XXXX or Onemein Financial. XXXX XXXX XXXX has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If XXXX XXXX XXXX has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.
My private student loans were made and serviced by XXXX. My loan were originally on a 10 year term, but in year four or five of the loan, i changed the loan to a 20 year term. 
As a result, my monthly payments were {$140.00}. In XX/XX/XXXX, the loans were transferred to XXXX. The first few payments were for a similar amount, but then in XX/XX/XXXX, XXXX unilaterally increased my payment amount to {$1300.00} and withdrew that amount from my account via direct deposit. They did not notify me in advance of this increase. When i contacted XXXX, they said that the only documentation they had was that my loans were on a 10 year term, and  therefore they increased my payments to {$1300.00}. However, XXXX is ignoring that my statements and payments for the past 4 years reflected a 20 year repayment schedule. I believe that XXXX did this because my loans are at a very low interest rate ( 2.25 % ) and they want to accelerate my payments so that they can loan out the money at a higher rate.
ON XX/XX/XXXX I WENT TO ATM MACHINE AT PNC BANK ON XXXX XXXX, XXXX, OH. I ONLY HAD A TOTAL OF XXXX IN THERE, OF WHICH I WITHDREW XXXX LEAVING ME A BALANCE OF XXXX. I DISCOVERED TWO HOURS LATER TWO TRANSACTIONS FRO XXXX TOTAL XXXX WERE REFLECTING ON MY PNC CHECKING ACCOUNT. THIS IS IMPOSSIBLE, I HAVE A RECEIPT SHOWING WHAT WAS DISPENSED, AND THAT ONLY ONE TRANSACTION WAS MADE. THE MACHINE HAS CAMERAS, THE BANK HAS THEM AS WELL, AND NO ATM MACHINE IS GOING TO DISPENSE XXXX TO A PERSON WITH ONLY XXXX IN THERE. THEY REFUSE TO LOOK AT THIS, REFUSE TO FIX THIS, INSTEAD TELL ME I WILL BE PUNISHED FOR THIS AS IT CANT BE DISPUTED FOR 14 DAYS, AND IN THE MEAN TIME I WILL ACCURE NSF FEES DAILY, AND MY FUTURE DIRECT DEPOSITS WILL BE TAKEN AND APPLIED TO THE DUAL WITHDRAW THAT NEVER HAPPENED. THE SECOND TRANSACTION HAPPENED PER PNC 12 SECONDS AFTER THE FIRST ONE. I AM LIVID, I HAVE BILLS TO PAY, I AM NOT PAYING FOR SOMETHING THAT NEVER HAPPENED! I DEMAND MY ACCOUNT FIXED APPROPRIATELY, AND MY CREDIT I HAVE OF XXXX TO GO BACK TO MY ACCOUNT RIGHT AWAY.
I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY TOYOTA MOTOR CREDIT CORPUSD XXXXI DO NOT OWE ANY MONEY TO TOYOTA. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA
I recently sold my home and paid off my mortgage loan with PNC Mortgage. They included a " Servicer Advance Balance '' fee of {$1800.00} in my payoff amount. I had previously made written & verbal requests to have this fee explained to me several years ago and again more recently, but have never received a proper answer. In a letter dated XXXX XXXX, 2014 ( attached ) PNC responded stating the fee was because the HAMP " loan modification agreement required PNC to advance payments on your behalf so when the loan modified your account would reflect being current/reinstated '' Aside from the fact that the relevant explanation does n't even use proper English and makes little sense, my loan was never past due and never had to be made current or be reinstated. I responded to them on XXXX XXXX, 2014 and stated if they did not provide written proof of this obligation that we could only assume that it was an error. At that time I did not receive the courtesy of a reply thus, no proof was ever sent to me. In other words, just saying that I owe them {$1800.00} because they say so is not an acceptable answer legally or otherwise. 

I have also attached a copy of my loan modification agreement and nowhere in it does it state that I do or will owe this money nor is there a reference to anything that could be construed as such a fee. Please know that I am, and always have been, perfectly willing to pay any fees that I am legally or contractually obligated to pay, but I can not stand for having my money confiscated inappropriately by an entity that obfuscates the facts and refuses to provide simple and understandable answers to legitimate questions.
After an inquiry by the financial mobile application, mint, about a bank account that I do not have knowledge of, I attempted to obtain my credit report. I tried both XXXX and XXXX, but was unable to access my report, because I could not confirm my identity. In this section, I was asked about loans and bank accounts that I do not have knowledge of. For example, I was asked, " In XXXX, you obtained a car loan from which of the following providers? '' To this question, and others like it, I replied, none of the above, assuming that they were trick questions. However, I was told that my identity could not be confirmed, because I answered these questions incorrectly. This confirmed my suspicions that my identity has likely be stolen, but I am incapable of providing proof to the FTC, because I can not access my credit report.
Submitted a request on XXXX/XXXX/16 via Equifax 's online Dispute process to have the Consumer Statement ( which will expire on XXXX ) moved to the XXXX account as originally requested. My request also asked that the supporting documentation ( letter to XXXX ) be added to the account. 

It 's now been 45 days and as was the case when originally submitted, Equifax is yet to process the dispute as requested.
THIS HAS BEEN AN ON GOING ISSUE WITH XXXX XXXX. MY ACCOUNT WAS CHARGED FOR SEVERAL TRANSACTIONS THAT I NEVER AUTHORIZED AND I HAVE NO IDEA WHO THESE COMPANIES ARE AND NEVER DONE BUSINESS WITH ANY OF THEM.. I WILL LIST ALL DATES AND AMOUNTS ; XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX I CALLED XXXX XXXX AND THEY ARE ACCUSING ME OF MAKING THESE TRANSACTIONS AND I NEVER DID. I DINT OWN A TIMESHARE AND NEVER DID. PLEASE HELP ME GET MY MONEY BACK PLEASE. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.
In XX/XX/XXXX I froze my Equifax credit reporting after the big hack. I did it online and contrary to what they claim, they never gave me a PIN to identify myself. 

Now I need a mortgage and need to unfreeze it. Both XXXX and XXXX have been easily done. Equifax requires the PIN that they never gave me, but provides no phone number and no online method of retrieving the PIN.
XXXX {$96.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no contract, no valid claim ... account was settled with original creditor ( XXXX  XXXX XXXX ) ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow ... You can not collect a debt twice ; it is unlawful Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I disputed a collection on my credit and I said non contract with the company I do n't have a contract with collections agents I need this off my credit boo do n't have a contract with collections agency
My mortgage company reported me 30 days late on the first day of my loan. I applied for a mortgage with RPM mortgage, the company is also known as XXXX, XXXX. My loan closed on XXXX XXXX, XXXX. In XXXX, RPM sold my mortgage to XXXX. I made my first and all subsequent payments to XXXX. 
Since, I received a very high interest rate in spite of having a credit score of over XXXX. I decided to go for a refinance in XXXX, XXXX. When my new lender was running my credit check, I was informed that my refinance can not go through because I was late on my previous mortgage payments. 
When I checked my credit reports, sure enough RPM had marked me as 30 days late on my mortgage payments. The surprising part is that I was reported as being 30 days late on the same day that my loan was funded - XXXX XXXX, XXXX. For some reason, RPM had reported to the credit bureaus that my loan originated on XXXX XXXX, XXXX instead of XXXX XXXX, XXXX. 
I reached out to RPM mortgage. The company keeps insisting that XXXX has reported me as late. I have shared my credit reports from all XXXX credit bureaus that shows that RPM is the company that reported me late. RPM is not taking an action to remove the negative information from my credit file. This has caused an unnecessary hassle for me and because I am unable to refinance it has caused a monetary loss for me.
I want to have an investigation conducted into the practices and regulations set forth by Navy Federal Credit Unions terms and conditions. These terms and conditions do not allow the credit union to  verbally abuse me. They also do not give the credit union the actual right to call my family members threaten to visit my home. The credit union is attempting to even go as far to falsely accuse me to the police now. The same person at Navy Federal Credit union, " XXXX '' at least that's the name he goes by now it usually changes he calls from a non working number. Filed 3 different reports to Adult protective services, trying to state that me and my mother were Elderly abusing my Grandmother which is XXXX. Neither one of us have ever caused any Elder abuse and this statement was proven true when the investigator all 3 times determined no abuse was occurring. Now the same " XXXX '' guy called my Mother threatened her told her that he will come to my home and her 's and pay a visit to us if we do not call him back. He left these by voicemail. Secondly, he told my mom that we should take blame and frame ourselves and that if we filed a complaint with the consumer financial protection bureau or told anyone he would personally make sure to ruin our credit and throw us in jail. These threats come every other Saturday. He also stole {$400.00} from my mother. This latest time he tried turning me into the police department for Elder abuse  of my Aunt which is also being resolved. I am tired of the continued harassment by this Financial institution. They never sent any information in writing and instead calls and threatens my entire family, if they can't reach us at the time he leaves threatening voicemails. He also tried to blackmail me and tell my mom that he illegally recorded me and he's going to make sure he " puts me down ''. 

These calls are non stop, harassing. He tries to find where i work, tries to tell me he will visit my home. It's scary no one should feel like someone from their financial institution will be showing up at their home. I do not owe this credit union anything. My wallet was stolen as of last year. Which caused identity theft, the crook has opened some accounts in my name and also my families names. 

However the continued bullying tactics should be reviewed, i do believe this is against the law to threaten to ruin your employment, threaten to ruin your credit and then continued threats to show up to my home? I don't know what types of employees they have employed here. 

I will be documenting all of these continued harassments and sending these to my lawyer. I did not ever give this credit union any permission to ever record me and haven't called in to this credit union. The continued harassment and threats and the Falsely accusing stops now. I will ensure it stops, i am reaching out to my lawyer as we speak. As this credit union keeps attempting to report elder abuse over and over for the same exact thing, and it always gets denied. I am working with the Police department as well, and i want CFPB to take a closer look at Navy Federals business practices as i am not the only person they are doing this to.
My husband and I had a very strange experience when applying for a Walmart card through Synchrony Bank. We both applied for an account on the same date. On my account, they completely misspelled my first name. On my husband 's account, they used his SSN, birthdate and credit information, but they put the account in my name in error. I emailed customer service three times on XXXX/XXXX/16. They instructed me to have my husband call in to their help desk, so he did that on XXXX/XXXX/16. The customer service rep, XXXX, spoke to both of us. She can see that the account is incorrectly entered under my name, even though it is most definitely my husband 's account, but she refused to correct it. Despite the fact that they have his credit report and the application he submitted on file to prove the owner of the account, they are refusing to remove my name from it. I feel that this constitutes fraud, because they know it is under the wrong person 's name, but they will not remove my name from the account. I am at a loss as to how they could have a glitch so big that they would mess up both accounts opened for my household.
I have had several calls and mail correspondence about credit cards from XXXX, Best Buy, Home Depot, XXXX, XXXX XXXX, XXXX, and XXXX. XXXX and Best buy have been approved despite me not ever having talked with the company. I'd like to end all credit cards taken out in my name in the past month.
Debt collection notices were placed on my credit report on XX/XX/18, XX/XX/18 and XX/XX/18 by Diversified Consultants for an unpaid balance to XXXX for {$1100.00}. 

This debt is not mine and a likely result of identify theft. I had requested Diversified Consultants to verify this debt via certified mail on XX/XX/18 ( Tracking # XXXX, delivered on XX/XX/18 ) but they have not responded to date, continue to harass me via phone and entered a new collection notice on my credit report on XX/XX/18. I have opened investigations with all CRAs that list this collection notice - they are investigating the debt/account info. 

Diversified Consultants is in breach of FDCPA - they have not verified this debt despite receiving a written request from me, continue to harass me via phone and continue to report/issue new notices to the CRAs.

My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
I disputed XXXX alleged accounts with QAR, LLC that were reporting in my XXXX, XXXX & XXXX credit files & reports. QAR was not a creditor of mine nor were they working on behalf of a creditor of mine. 

I disputed with the CRAs directly & with QAR but they are still collecting via my XXXX and XXXX credit file without providing proper docuemtation for the alleged debts. As a matter of fact, they are only making generic claims without producing any evidence for the alleged debts. 

I disputed the alleged debts directly with the CRAs 3 times & with QAR 3 times as well. 

Lastly, they claim that the alleged debts were owed to XXXX. However, XXXX has never sent me a bill for payment regarding any outstanding debt. Just because someone claims I owe a debt to someone does not mean I actually owed the debt. XXXX has never reported any information on me to any CRA and only QAR is making the claims. QAR has never sent me a bill for payment as well. The burden of proof is on the one making the claims. 

It is not upto the consumer to disprove that he does not owe the debt. I am merely disputing the alleged debts and QAR should put up or shut up & get out of my life. To date they have done neither.
I wanted XXXX, and was required to have my car ( like to own or rent ), the choice was to own, I was denied for auto loan in every bank institution, reason was my bankruptcy, so i had no choice but to go to a car dealer, who promised me to help with loan and the car. At first my auto loan to Santander bank was denied, after a week car dealer called and said he managed for approved the loan from same bank, but I must hurry and come to sign some papers, I was desperate and basically signed papers, and within XXXX or 3 weeks dealer had sold me the car ( old XXXX, but was promised XXXX ). Please keep in mind I did not received the money from bank ( bank gave funds directly to a dealer, and only then dealer release the car ). Got the car at end of XXXX XXXX and after two month Santender bank seize the car, declaring that application was filed fraudly, Also another fact, the tow truck came to take the car as for non payments, and I had called the police and police asked from tow truck to prove for non payment, and I was shocked Santender bank gave a tow truck driver the official letter as for non payment, I had showed my car payment statement and my bank statement, but XXXX trust more the document from bank, ( police never trust civilians, we all know that ). 
So, If a dealer wrote any fraud on application, in which I was not aware, why I should take responsibility, and If there was a fraud activity but I think only comes from both sides, bank representative and dealer, ( they made some kind deal, i only speculate with my situation, and I was not present when they made deals ). Anyway after two months Sandender seize the car, and after XXXX year declare to pay balance. I had found that Santander makes this kind practice very widely across the country, and I hope in future many consumers will not make mistake as I did.