WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX without my knowledge and consent removed or deleted a closed Capital One credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for XXXX to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
I sent dispute letter with my attached proof from XXXX to Experian and XXXX  in 2017 requesting them to update my credit report. I got response back from Experian in a email stating they only could update my credit report once.
Focus Receivables Management & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXXThe above listed debit collection company contacted me via letter File # XXXX referencing I owe {$130.00} from XXXX Last four digits of account XXXX. All above listed information was on letter they sent. Focus Receivables Management upon contact did not show themselves to be a legit company or any other information to provide they are not a scam but they just kept asking for personal information and this is the XXXX and only letter they sent also
Medical revenue Service is attempting to collect a debt I XXXX do not owe. This debt was settled by XXXX Insurance company and I was told by them I do not owe the bill. The Ac # XXXX XXXX XXXX XXXX XXXX Date : XXXX/XXXX/2015 Balance {$4200.00}. Supposed debtor XXXX XXXX. I do not owe this bill and I am continually being harassed by both XXXX XXXX XXXX and their collection agency Medical Revenue Services. We were told on numerous occasions by XXXX Insurance that we do n't owe this bill. This bill appears on our XXXX Insurance Account as nothing owed. I do owe a balance of {$2200.00} which I have been paying {$100.00} a month on that balance. In the latest collection threat my outstanding balance latest {$100.00} payment was not credited. Medical Revenue Service combined the outstanding balance I owe ( {$2300.00} less {$100.00} ) with the outstanding balance I do n't owe ( {$4200.00} ) for a Total Amount Due of {$6.00}, XXXX.
I asked Experian Credit Bureau to remove 3 accounts that were opened fraudulently and are now close. this accounts even though they are now close still hurt my reputation as a consumer since they are reporting negative information on my credit file. 

The accounts are as follow. 

XXXX XXXX XXXX, XXXX Closed XXXX XXXX XXXX XXXX. XXXX Closed XXXX XXXX XXXX.  XXXX Closed I asked experian to block this accounts on the basis of FCRA section 605B which states " a consumer reporting agency shall block the reporting of any information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency. I have enclose XXXX XXXX XXXX Police Fraud Case Report - XXXX to prove that a fraud case is on file. 

XXXX Consumer Solutions has remove this accounts from my credit file why is Experian refusing to follow Federal Law?
I got a call from Transworld Systems today ( XX/XX/18 ) asking me to verify my wife 's date of birth and address. While I do have some debts in collection currently, we had not received anything from them in the mail. Also, I asked 3 times if they were debt collectors, and they refused to answer. They just said that were calling about a business manner. The number they called from was XXXX.
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
I filed a dispute with my bank ( XXXX  XXXX XXXX XXXX , XXXX. ) about a person who scammed me out of {$100.00} and they filed the dispute over the phone on XX/XX/XXXX and then 3 days later sent me a letter saying that the dispute has been resolved. This transfer was NOT valid and I told the several customer service reps that it wasn't and that it should be reversed. I'm very disappointed with PNC as this is the 3rd or 4th time they just resolve disputes without any investigations and/or figuring out that their customer was scammed out of money. This is not the kind of bank I want to have my money with and/or do business with.
Keybank National Association has been accepting regular monthly payments from me for my account ; payments that I have full proof that I have made them. However, I just received a letter from Keybank stating that I must:1.payoff my loan has I have not made satisfactory payments2. they provided a phone number to call about this situation, that was simply an advertisement for a bogus vacation ( e.g., win a dumb vacaction ). Keybank phrased the advertisement as a " survey '' in which they would then connect you with the appropriate person after completing XXXX questions. You are then asked more than XXXX questions, and once you go through all of their prompts the phone just hangs up.
Lender use my information on ther data bases systems and display my credit score on ther credit monitoring without my permission or consent or my athourthiziton And when I reguest the information to be released they asking me to supmit suboena And when I flow ther instruction and sending them suboena thy didnt answer to it and refused to gives the reason why and then referred me to credit agency and when I contact the credit Agency they returned me back to XXXX The company holding my information for no explanation.
I had this loan from a over a year or two ago and I have paid accordingly to the terms with the exception of the last {$100.00} and some change. I have not heard anything thing fro this company since late XXXX regarding this and I had assumed that this was a current loan that was paid off and I said that to the caller ( its recorded ). This call and the other hundreds of call to my EMPLOYER has got to stop. I can not even answer the phone without them calling from multiple numbers asking for me as if we are friends then tell me they are calling to collect a debt. I have to ignore calls to my job because of them constantly calling me. 

I was told that they have mailed thing to me and I have not received anything in writing from them. 

The called on XX/XX/XXXX was the last time before writing this complaint. A fellow coworker asked me was I ok since she could tell it was a bill collector calling my WORK place. This company has continued to call me at my job since XX/XX/XXXX./XX/XX/XXXX over and over again. I can not have them calling where I work like they have chosen to do so. I want it to stop.
My son 's personal information was recently leaked via Equifax during their recent data breach. We tried to take advantage of the one year protection plan that Equifax was offering but recieved an error stating that he was ineligable for the offer because he is under the age of XXXX. They offered no additional guidance or help regarding this matter. Because we we 're concerned with the safety of our son 's information, and consequent future, we decided to sign him up under his mother 's name and social on Sunday XX/XX/XXXX. They called on Wednesday XX/XX/XXXX and  proceeded to tell my wife that what we were trying to do was tantamount to fraud and again offered no additional guidance. We cancelled the request for credit monitoring at the advise of the representative from Equifax. I found this approach unacceptable as a XXXX XXXX XXXX should be the first to be protected in a data breach and is the most vulnerable as we are unable to protect or monitor his credit. Again, we were left on our own to figure out what to do on our son 's behalf. Thankfully we found some information on identitytheft.gov that led us down the current path. Equifax offered no guidance or help at all in sorting out the data breach caused by their company 's lax security. They need to be educated or proactive about helping or how to help children that are affected by their recent data breach. The representatives only told my wife that what she did was tantamount to fraud and that we need to cancel the request that we placed for our son. She even put my wife on hold and said that she spoke with a supervisor and that there is nothing that Equifax can do if it is a minor that was affected. Someone needs to train them on how to better deal and guide parent 's of children affected by their XXXX data breach. We we 're more than willing to fill out any necessary paperwork in order to protect our son, however, as stated before, we were told that nothing could be done if it was a minor that was affected. I could hardly believe that they told her mother that she was committing fraud when all she was doing was trying to help her son protect himself from their mistake. This type of guidance or lack thereof is absolutely unacceptable and another tarnish on Equifax as a company. I was very disappointed with the way they handled the situation.
I have disputed an account with XXXX XXXX XXXX XXXX. They failed to complete the investigation that was submitted online XX/XX/XXXX ( 2017 ) and via mail XX/XX/XXXX ( 2017 ) to Transunion. I received a letter dated XX/XX/XXXX from XXXX requesting that I provide them with documentation and it also stated that they would not contact me until they complete the investigation. I initiated the request to investigate and provided documentation to Transunion by mail on XX/XX/XXXX ( 2017 ). Transunion obviously failed to share the documentation. I also provided them with documentation from XXXX XXXX ( the company they are collecting for ) that stated I am not responsible for the debt. The documents were not shared with the collecting agency, XXXX. The letter I received is an effort to extend the 30 day timeline. I was alerted today X/X/2017 via XXXX XXXX that my investigation was complete because the information was verified. In my letter, I requested validation and verification of my debt. I did not get that. Also, Transunion is closed on X/X/2017 so how was my investigation closed? Also, I believe I have fought this for over 7 years. I believe the statue has also run out. But they have not submitted verification of that either. Lastly, I do not believe XXXX XXXX XXXX is licensed to collect in my state. The company does not have my state on the webpage as a licensed state. I have disputed the same account with all 3 agencies and I have had the exact same result. Not proven to myself. Not verified to me.
I have successfully completed a trial modification program with with first mortgage holder - XXXX/XXXX XXXX. As a pre-condition for receiving a final permanent modification, my first mortgage holder is requiring the XXXX mortgage holder - SHELLPOINT MORTGAGE SERVICING - issue a subordination agreement. Shellpoint acknowledges that its equity position is not being affected by the permanent modification nor the requirement for a subordination agreement. Shellpoint makes the vicious and unsubstantiated claim that " it is not needed. '' This claim is vicious because : Shellpoint agrees that its position is not affected AND it 's failure to issue a subordination agreement will result in the fact that I will lose my home in a foreclosure sale. Shellpoint is the sole and only reason for my inability to finalize my permanent modification agreement. Shellpoint 's actions are without justification.
I have financial hardship that caused me to put my loan in deferment status, but the Federal student loan agency reported it as 6 Late payments on my credit report.
I havent received a response to the letter I sent to Experian dated XX/XX/2017 stating that they need to re-investigate and verified the Item listed in the attached letter named Experian 6 which is my 6th letter I 've sent trying to resolve this matter. In an effort to help Experian in their investigation I have attach a copy of my Equifax Report that clearly shows that they couldnt verify the Items and were deleted. I would like to know how they " verified '' the information listed below when it is clearly inaccurate : Did Experian call the original creditor or just look at the information in your database? 

Please see attachment letter and files for the items Please provide me with the following information within 15 days : Proper valid documentation required by the FCRA Or delete this misleading information.
I recently pulled my credit and notice AD Astra Recovery is reporting a balance of {$850.00}. I've sent four letters to this company asking to verify this debt. I have not received anything but a print out of a balance they claim I owe. I honestly don't believe this debt is mine! I do not know who this company is and they are affecting my credit score by contentiously reporting inaccurate information. 
Because this company have failed to validate the debt properly and yet still verify the debt with the credit bureaus, they have violated my rights. These rights were put in place by the FCRA and the FDCPA. I have given this company enough time to send the proper documentation and they just simply ignored my request. They have failed to validate the debt, but still verifying the debt with the credit bureaus, and are still attempting to collect the debt.
XXXX XXXX XXXX / American Education Services ca n't provide documentation for private student loans they say I hold which I know now are not valid. These loans ( there are 2 ) originated in XX/XX/XXXX/XX/XX/XXXX and total {$85000.00} after " Interest ''. In my particular case, that is absurd. Additionally, once I discovered the error I tried all avenues to have all of the companies involved fix the issue and I stopped making monthly payments. Those payments were between $ XXXX a month. The struggle was real. Then, instead of helping me and taking responsibility, they charged off the loans to the Credit Agencies ( XXXX and XXXX XXXX ). 

I have all of the various items required for the fraud affidavit packet which I 've submitted multiple times. It includes a copy of the only document they have on file which is the promissory note, 7 copies of my real signature, a police report, etc. 

This does n't address how those companies were disgustingly generating and receiving interest. Out of the above payment I mentioned I used to make, there were many months where {$0.00} went to principle. 

I am writing this in hopes the CFPB audits my accounts with XXXX XXXX XXXX to help determine if I qualify for justice in this case. It is worth noting that during my time at XXXX XXXX and XXXX, for which i have not yet graduated due to issues relating to this issue, I also physically received unsubsidized and subsidized federal student loans through XXXX and the department of education. These, I consider my real loans, which currently total {$15000.00} and are paid up to date. Much more realistic, I 'm not a doctor.
XXXX XXXX XXXX and XXXX has continue to break the law knowlly. XXXX XXXX XXXX are suppose to be collecting on a so called debt for XXXX XXXX. I have asked XXXX XXXX for proper validation of these accounts. They have failed to supply me proper validation of these so called accounts. They have forwarded me tress so called statments. These so called statments does not count as proper validation. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


XXXX has failed to properly validate these accounts. XXXX has admitted to go off the word of the companies. Per our conversation I had with a XXXX rep they send the dispute to the Company who owns the account. Then the company sends experian the results of the investigation. XXXX does not have any documentation of these accounts to let them report on my credit report. 

XXXX does not have the right to continue to report any XXXX XXXX   accounts on my credit report. 

XXXX  deleted these accounts with no issues on my credit report I have reported both companies to the the Attorney General office and the FTC for failure to follow the law.
Woke up to an overdrawn bank account on the morning of XX/XX/XXXX. As it turns out Coinbase double charged my account {$1000.00} plus an {$8.00} ISA Fee late at night on XX/XX/XXXX. My last successful transaction was XX/XX/XXXX for {$1000.00}, which leads me to believe this is a double charge. This problem has affected numerous people internationally, and Coinbase support has been non-responsive. Last night they blamed XXXX for this issue while this morning XXXX has come out and said this issue is on Coinbase. It seems no one has had any succesful communication with Coinbase Support, and their social media accounts are only replying with cookie-cutter responses. I fear this may be a scam or hack.
I entered into an online payday loan agreement with tribal lender XXXX XXXX XXXX XXXX in XXXX. I was never able to access or sent loan documents after signing. After realizing this lender is not authorized to lend in my state ( IOWA ), because they do not have a physical presence here ( and because of the extreme interest rates ) ; I closed the checking account associated with the loan, sent a notice of account revocation to this lender and informed them that according to the laws of Iowa, I was under no obligation to pay this back, as they knew they were lending to me illegally and were not authorized my state. They attempted to collect for a short time, emailed me to say they would be adding a {$250.00} fee to the next auto debit ( on a {$700.00} loan ). I continued to receive email from a " XXXX '' at a XXXXXXXXXXXX address attempting to collect. I replied back that I would like proof they are authorized to lend in the state of Iowa ( and legally allowed to collect on the debt ) -- to which they provided me none. <P/>I have not heard from this particular lender XXXX XXXX XXXX XXXX since XXXX when they initially were attempting to collect ; though now it appears they 've hired an outside collection agency ( Allied Collection Services - XXXX XXXX, NV ) in attempt to get funds, because they know they legally can not collect on them. I have n't had any communication with this Allied Collection Services ( no debt validations - nothing by mail, no voice messages identifying ) until I noticed a collection flag on my credit report -- and called to dispute it -- - ( they hung up on me once I mentioned the debt was invalid to collect on, that I would not be paying, and would be reporting it ). They refuse to remove the flag on my credit report ( which I 've also disputed with XXXX who has also failed to remove the flag ). <P/>Additionally, I 'm certain they have shared my private information with outside agencies in effort to harass and bully me into payment. My private information is being used to apply for loans online, and I 'm receiving recent email notifications about applying/being approved for loans with other lenders when I have n't applied for any online payday loan since XXXX. <P/>I filed a complaint with my state 's Attorney General 's office, and was advised by their investigators to file a complaint here, as well. <P/>Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX http : //www.acsnv.com/ # XXXX XXXX XXXX ( Tribal Lender ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : XXXX
I missed a payment on XX/XX/XXXX, by XX/XX/XXXX, I received a letter stating Synchrony Bank ( Wal-Mart ) had decreased my credit line by XXXX dollars. My balance was XXXX with an initial credit line of XXXX. By them making this drastic decision based off one late payment, my credit score has decreased. Now I have a balance of almost the entire new lower limit. I have never heard of a credit card company taking such an action. I began with this card, having a XXXX limit and was increased without soliciting them to do so. I would like my limit raised back to XXXX. I have been a good customer with Synchrony Bank. They made such a brash decision in 5 days from my payment being late! They also have terrible customer service. After the payment was late I called the customer service number to set up a payment. They never took the payment from my bank account and immediately assessed another late fee. I am very disappointed in this company. There are many, many complaints on the XXXX site although they are still rated A+ which is almost impossible given the thousands of complaints.
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Wells Fargo is my lender, I am grateful they gave me a loan modification about 6 years ago. I have not had a single 30 day late since the loan was modified. 
my problem with the loan is ; the first payment increase after being fixed for 5 years was 16.5 % on the first adjustment. 
XXXX to XXXX in one increase and XX/XX/19 my payment will be XXXX. 

so in approximately 13 months my payment has increased {$290.00} which is 21 % increase in just a little over a year.
NACS, North American Credit Services calls to collect debts and uses " XXXX XXXX '' as the name of company calling.
I have over XXXX unauthorized credit inquiries on my equifax report.. I have sent out certified letters to the creditors and have also tried disputing it with the bureaus. They just keep telling me that there is nothing they can do about it. They said I need to contact creditor which i have done at least 3 or 4 times. Ive tried calling and also sent out the certified letters. Please help. My husband and I are trying to clear this up because we are trying to buy a house. 

Below are creditors and dates of the inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX All others were authorized. Thank you so very much.. I dont know what else to do!
RE : XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$140.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, MT XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$140.00} XXXX Experian needs to have this Entry immediately removed from my Report. This was disputed with XXXX and they sent a letter stating they requested these items to be removed with the CRA. I am not late on paying a bill, expecially this {$140.00} bill that does not belong to me! 
It is erroneous and I will file an AG compaint against experian.