WillisBack/dataset-financial-user-claim huggingface dataset:
I received a collection notice from ERC dated  XXXX / XXXX / 17  in the amount of {$610.00}. I placed a call to ERC  XXXX / XXXX / 17  to make payment arrangements on the account. After I had discussed the payment arrangements, I then checked my credit report. The credit report verified that a Collection account from ERC was placed  XXXX /2017. The letter that I received from ERC dated  XXXX / XXXX / 17  was 30 days after the collection account was placed on my credit report, ERC did not notify me prior to placing a negative item on my credit report and did not allow the time to satisfy the account prior to reporting the collection account. ERC should allow 30 days notice to consumers before reporting negative items on credit reports. With the negative impact this account has had on my credit report, it will prevent Homeownership due to lower credit scores, it will also prevent employment opportunities that would allow for advancement to my career. This has a tremendous negative impact to many aspects of my life. I should have been give the opportunity to resolve the account with ERC prior to the negative reporting.
Make payments above minimum, supposed to apply to principal, as I write on the stub every time. Nelnet does not apply extra to principal and simply extends the due date.
I was an authorized user on an account. I went ahead and took myself off and disputed this with all XXXX credit reporting agencies. 

XXXX, and XXXX removed this account properly. However equifax keeps saying that this is still my account and it is affecting my credit report and score. This account is my wifes account and it has been updated with payments. However I have disputed this XXXX times with equifax and everytime this comes back as verified however the information has only bee updated since XXXX which is the same time I removed myself as an authorized user. To me this means equifax is not verifying this account properly because this is no longer mine.
I have been writing to Discover about their fraudulent credit reporting on my for more than a year, and have gotten nothing but Fair Debt Collection Practices Act and Fair Credit Reporting Act violations from them in return. First, Discover continues to report fraudulent charges on my credit report. Second, at the same time as this fraudulent reporting on my credit, Discover sent the IRS a notice of " debt forgiveness '' and a 1099, both of which are clearly sanctionable FDCPA violations. A debt can not be " forgiven '' and simultaneously contrarily reported on credit ; and this debt was not forgiven, it was proven not to belong to me in any way and barred by limitations.

Third, as the attachments will show the vast majority of the allegedly owed {$15000.00} was accrued more than 7 years ago, and thus must come off of my credit entirely regardless of any dispute. Fourth, as the attachments show, the last usage of the card in question was XXXX, yet Discover Card is pretending that the last usage of this fraudulent card was XXXX or some later date when they finally got around to cancelling the fraudulent card. Discover must legally reveal the proper date of removal of all references to this card on my credit ... and that date must as a matter of be in XXXX. Discover refused to reveal this date in writing. And, fifth and finally, the charges from XXXX are revealing in that they are all from states all over America, where I've never lived nor in some cases ever even been ( please see attachments ).
I submitted Calvary Portfolio Services a fraud packet regard a debt they purchased by XXXX XXXX-this account was an account that was taken over by a hacker and I had charges that I didn't authorized on the account that happened over 6 years ago. I submitted the fraud paperwork to XXXX  XXXX but some how this account when to Calvary. They reported to my credit report. 
I did a fraud packet and submitted everything to them-they refuse to remove it off my equifax credit report. I have submitted two disputes and they keep sending back that the account is valid. 
I have attempted to call them and all I get is told that I need to pay the bill. So, I have no choice but to hang up.
In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?
To whom  this may concern : I mailed a Multiple Inquiry Removal Letter o n  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that are being reported on my file. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL INQUIRIES, which was " Inquiries are a factual  record of file. If you believe this was unauthorized please contact the creditor. '' According to the FCRA Rules, FCRA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE INVESTIGATED, and if you do not investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response 4 days after the recipients received my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my Credit Reports displ ays a sign of financial trouble, when that is n't the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness for a consumer.
I opened a secured credit card with a limit of XXXX XXXX dollars. After a year or so, i decided to close that card, why pay interest to the bank for my money. This action happened to impact my credit negatively. No one informed me that this would impact my credit negatively and i do not understand how credit reporting companies can just look at information at face value and determine it requires a negative value. That practice is not aligned with core values and principles of lending. I did nothing wrong but i am punished for years as a result of this. Please take a moment and advise me on how to resolve my issue and what can i do to stop this practice that i will call an intentional oversight for lack of a proper term. Im sure this issue is XXXX, that XXXX americans experience everyday. 
Thank you in advance for your time and help. 
XXXX XXXX XXXX XXXX. XXXX, MD XXXX
XXXX XXXX denied my application for their " XXXX XXXX XXXX '' card ( attached ), stating that my credit application had " unverifiable application information '' ( BUT DID NOT SAY IN THE DENIAL LETTER WHAT THAT " UNVERIFIABLE APPLICATION INFORMATION '' WAS! ). A " customer service manager '' stated that my " cell phone number '' was " unable to be verified '' by.. .XXXX ( who XXXX XXXX uses to " verify credit application '' information! ). I have e-mailed XXXX about this very issue, today, XX/XX/2018. Apparently, XXXX XXXX does NOT have the brains, or staffing intelligence to find out WHY their third party vendor can not verify a cell phone number that a simple phone call TO ME, ( the alleged " unverified information '' ) would complete!
I receives a discharge from XXXX XXXX of my debts in a chapter XXXX bankruptcy case in 2016. According to 11 U.S.C. 523 ( a ) A creditor may no longer initiate or continue any legal or other action against the debtor to collect a discharged debt. Discover is continuing trying to collect by putting a lien on my home.
I started getting phone calls from credit card called Emerge, This company took over a credit card account of mine in good standing in XXXX or earlier but i can not remember the creditors name. I since have paid on time by check every month and my account has always been current with Emerge until XXXX of XXXX when they said they did not get my payment, they then charged me a late fee, I sent another check including the late fee and payment in XXXX, they have not cashed either check and call me XXXX or six times a day, to get a payment by phone. On XXXX/XXXX/XXXX I asked for the following info- Please provide me with The creditors name you are collecting for, they did not give me the creditors name, only Emerge. I asked for the amount owed, they said {$580.00} and i asked how can i dispute or get confirmation that i owe this dept, they did not respond, i said i need this information sent to me with in 5 days in writing and i will be filing a complaint with the O.C.C and i hung up the phone. I have never been late on payments in many years and find it extremely odd that i am now not behind on the dept and never have been, and all of a sudden they started charging me late fee 's and saying they did n't recieve my payment and want payments by phone, also i find it unusual that they wo n't give me the creditors name they are collecting for XXXX the original owner of the account from XXXX ). If i can request an investigation to see whats going on, if this is a practice or tactic to get more money from me by not cashing my checks by increasing my bill with late fee 's, I read a review online of another man with this same issue with Emerge and he found through the O.C.C. this company was doing some wrong practices towards him and his matter was resolved with a {$2000.00} balance dropped to {$0.00} balance after the investigation. That is just hear say but is what i read. I am filing this complaint for me XXXX XXXX XXXX mother, She is not proficient in computers so i am representing her in this request.
I paid portfolio recovery inc. XXXX back in XX/XX/2010 over 5000. They keep saying that I owe them an additional XXXX for a company I been paid off. I would like them to remove my information from the credit reporting agencies asap.
I owed a debt that was satisfied in XXXX. In XXXX, I received a letter from The Moore Law Group that they were going to garnish my wages for this debt. I had my credit report showing that the debt had been satisfied, but XXXX of their representatives by the name of XXXX, said that there was no proof. He argued with me and was XXXX of the rudest men I have ever encountered, not professional at all. I agreed to pay them XXXX  just to have them stop harassing me. I did not know my legal rights and I just wanted them to leave me alone. I did not receive any other paperwork from them until XXXX weeks ago when I received a letter of wage garnishment from my employer. The wage garnishment was for XXXX}. The original amount they had claimed I had owed was only XXXX. I called The Moore Law Group and spoke with XXXX of their representatives, XXXX at extension XXXX. He told me that he would put in a dispute with the original company, XXXX. At that time, he told me not to worry about the wage garnishment. On XXXX XXXX, my check was garnished. I called that day and tried to reach the original person I had spoken with. I was unable to speak with him. I proceeded to remain on hold and asked to speak to a XXXX or supervisor. I was then connected to a XXXX XXXX at extension XXXX. I told him about my previous conversation. He told me the wage garnishment was still in effect, the original company had not responded and when I asked for my file information to be sent to me, he stated he would not tell me any information unless I reascended my dispute. When I told him I would n't because I did n't owe the money and they had no proof, he became silent and would not respond to me. I have never been treated so poorly by anyone and that is a large sum of money to owe from a XXXX year old debt that is beyond the statute of limitations.
1 ) Do not frequently send out bill. 
2 ) Receive payment but do not cash it on time ( lie about the payment loss by mail ) in order to charge late fee. 
3 ) Rude customer services. 
4 ) Account receivable could not be coordinated ( charge XXXX payments in one month ).
We recently applied for credit for our small business. We were declined with the explanation that American Express card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/XXXX due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show AMEX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to AMEX in XX/XX/XXXX which paid off the full balance. We have bank records to prove this. The AMEX account was closed, and we thought that was the end of the issue. We had no idea that AMEX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted AMEX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of AMEX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to AMEX. But, we don't feel AMEX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with AMEX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.
Fortiva Retail Credit does not provide monthly statements to show amortize principal and interest. Only online service to review account but no details, Spoke numerous times to creditor who reluctantly states no statements issued or yes we will mail statement and never get one. My complaint is true breakdown of my personal loan. Misleading practices is my complaint. 

Contact information : FORTIVA RETAIL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX
I was shocked when I reviewed my credit report and found collection account on my credit report. I am not sure how this happened, but this is a total violations of FCRA and FDCPA, and under these provisions I demand that this account be removed from my credit file as I never had any type of relationship with this company or any company associated with you.
I have been contacted several times over the past years from XXXX XXXX XXXX. The lady who handles my account is XXXX XXXX. I received a call from her at XXXX on Thursday XX/XX/2018 stating that they had not received my payment from XXXX. My payment is due on the XXXX of every month. I paid my bill one day late ( my fault ) but it cleared my bank the XX/XX/XXXX. When I told her that I had already paid it she yelled at me and said that I didn't need to cut her off and was super rude about it. She stated that I didn't need to get upset, which I was not upset at that point. She then looked in their system and said that she did see that I had made a payment and that it hadn't been funded in their system until XX/XX/XXXX. and that she would let " them '' know so that they wouldn't take any further legal action against me. I have been paying on this account for 4 years and have never been late for a payment. This has happened to me several times when their system is not updating and they send me letters saying that if I don't become current that they will pursue legal action. I always bring it to their attention that the payment was made on their website and I ask for them to send me a letter stating that it was their mistake so they can't take action against me. They tell me that they will send one out to me and I have yet to ever receive one. They do not send statements to me at all even when I have asked. When I asked who I could talk to about a complaint about the way she spoke to me she informed me that it would be her that I would talk to and so she would note that I was rude by interrupting her when she was trying to help me ( which she wasn't because I had already made my payment and they had already been paid for it weeks ago ) at this point, I was upset so I called her a XXXX and then she also said she would report me to her employer for using that word when she was only trying to help. She was rude, unprofessional, aggressive, and I don't believe as a consumer I should have to deal with that kind of person.
There is a XXXX 's account on my credit file that is inaccurate. It states the credit card was established I my name in XXXX XXXX I just turned XXXX this in not my account. I have requested validation of this credit card and have not received any paperwork with my signature to verify this is my debt, I have reached out the credit agencies on numerous times to have this information removed. I am being told the debt is valid however with no proof. I would like to have this credit card removed from my file XXXX account number XXXX from all three credit companies
After checking my credit report, I found a bill from XXXX. When I reached out to them they told me that the line was active for at least a month, but I 've never used XXXX. I 've had services with XXXX XXXX XXXX for 11 years on my mothers plan. There is no need for me to get another phone. I 'm uncertain where these charges came from, but I have never has a phone with XXXX.
Tried on multiple occasions to contact company to verify charge-off balance. 
On XXXX XXXX, XXXX mailed first certified letter to verify account and account balance, no reply from company. On XXXX XXXX, XXXX XXXX certified letter mailed to company, still no reply from the company this letter was in regards to a XXXX XXXX XXXX. Yesterday, called spoke with customer service department and was instructed by agent someone would contact me by the close of business on Thursday, XXXX XXXX, XXXX. No one has called. I am asking that this be removed from all of my credit reports, due to the fact this company can not return answers from either mail or phone.
As part of a refinance transaction, my existing XXXX mortgage with Nationstar Mortgage was paid off on XXXX XXXX, 2015. As of XXXX XXXX, 2015, the discharge of mortgage had not yet been recorded at the XXXX District Registry of Deeds. I contacted Nationstar to inquire about getting the discharge recorded, as I was scheduled to close on a new home equity line of credit mortgage and was unable to do so until the discharge of the paid off mortgage had been recorded and I informed them of this fact. They responded to my inquiry by sending me a copy of the discharge of mortgage together with a letter that was purportedly mailed to the XXXX District Registry of Deeds on XXXX XXXX, 2015. After checking the Registry Records for XXXX weeks with no evidence of the discharge being recorded, I again contacted Nationstar Mortgage to let them know that the discharge was still not recorded and I asked them to send me a new original discharge of mortgage so that I could record it myself at the Registry of Deeds. They informed me that they would not provide me with an original discharge of mortgage as this was not their policy, despite the fact that it was my money that paid the loan off, I was not allowed to be given the document releasing it directly. I asked them to send a new discharge out the the Registry of Deeds and they assured me that they would do so. This pattern continued throughout XXXX and into XXXX. I also contacted Attorney XXXX XXXX, ( the attorney that paid off the mortgage ) and her office has also been in contact with Nationstar Mortgage with no result. They refuse to send out a new discharge of mortgage and now I am unable to close on the new loan, which is causing me a grave financial hardship. I do n't know what else to do. Please help!!
I was laid off of my job in 2011. My mortgage was with XXXX XXXX XXXX at the current time. XXXX XXXX XXXX was working with me in a forbearance on my loan. During the time I was in my forbearance period my loan was stole to Bayview Loan Servicing llc. Bayview stated to me that they was n't honoring the forbearance that XXXX XXXX XXXX had granted me before the loan was sold to them. Since my loan has been with Bayview I have tried getting a modification several time with no success. While looking for avenues to save my home I learned that my loan was switched from an FHA to an conventional loan without me signing any paperwork. Bayview has attempted for foreclose on my property which led to me filing bankruptcy. Since I have filed bankruptcy I tried for a modification again. It has been several months with no communication.
I was misinformed of the purpose of this card. I went to purchase a pair of glasses that cost {$1000.00} dollars on XXXX XXXX, 2016 and paid it in full. Then was informed that I could sign up for Citi Health Card Dealer.
These loans in which my parents and I thought to be much like the federal loans were very deceiving. At this time, the interest rates that I have reviewed have more than tripled the amount in which I borrowed. The biggest issues is that my family and I can not make the payments at this time. I have tried to get them to help out, but it is apparent that they can not reduce my payment any lower. I suggest that no one use PRIVATE STUDENT LOANS.
I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!