WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 I discovered that a company named XXXX XXXX XXXX ( XXXX ) of XXXX, FL placed a collection account on my credit report without any prior notice, written or otherwise. That day I wrote them a letter and sent it Certified Mail via the USPS disputing the account and demanding validation of the debt as prescribed by Federal Law. The company ignored my request and continued to update it as bad debt on all XXXX credit bureaus. In XXXX of 2015 I hired an Attorney to dispute the account and get validation of the debt for me. In XXXX of 2015 it was removed from all XXXX of my credit reports and I assumed that the issue had been resolved. On XXXX/XXXX/2015 I received an alert from my credit monitoring company that XXXX had placed the account back on my XXXX Report, on XXXX/XXXX/2015 an alert that they had put the account back on my Equifax and then on XXXX/XXXX/2015 an alert that they had added it my XXXX XXXX report. They also violated the law by changing the " Open '' Date in order to make this debt appear " newer. ''
this Account Number XXXX Account Type Installment LoanTermsXXXX Date Opened XXXX/XXXX/XXXX this account was XXXX and was never late XXXX/XXXX/XXXX please removed this late
collecter violated fdcpa .... he has called a few times leaving very intrusive and derigatory voicemails on my phone
I had an auto loan through GM Financial in 2013. Unfortunately one month after I purchased the vehicle my husband was hit by another car on his way to work and the car was totalled. I was toldby my insurance company that the car was being totalled and they were sending the full payment to pay off the balance of the auto loan. GM financial marked my account as late during that time. 

It is now 5 years later but this account still shows the status as " 60 days late '' on my credit report. I have attempted to dispute this information through the credit bureaus and GM Financial refuses to correct the current account status. Account status should be paid in full. 

This has been negatively impacting my credit for years which is extremely unfair when I didn't even do anything wrong.
I applied for loan mortification from SunTrust mortgage, and was denied, sent all information they requested, and I do n't understand what 's going on. I just ca n't lose my home to foreclosure. I do n't owe but {$14000.00}, I need to keep my home, I 'm a XXXX year old XXXX & been married for XXXX years. I need help.
I have a list of collections and creditors that repeatedly get removed only to be reinserted, sometimes the SAME DAY! Some are removed from my credit report and put onto my wife 's report, other just get reinserted or change company names. Some are disputed and then removed, sometimes the previously removed items are reinserted and deemed valid, by the same agency that removed them previously.
someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect
Re : XXXX XXXX XXXXXXXX apparent amount of XXXX re : account # XXXX ( from equifax credit report as obtained on XX/XX/2018 Credit reporting Agencies : XXXX  and equifax Date Credit reports Ran XX/XX/2018 ( XXXX  ) and XX/XX/18 Called XXXX  XXXX XXXX, no information given other than the account not belonging to me. 
The {$15000.00} from XXXX XXXX XXXX does not belong to me ( new and just starting to build credit ). XXXX XXXX thru inaccurate reporting to XXXX  and equifax caused me pain and suffering, denials to credit applications, financial opportunities that require credit history check. ( XXXX was accurate with no apparent {$15000.00} charged off/collection documentation/report ) Humbly requesting to have inaccurate damaging information be expunged so as to further avoid my credibility, suffering, severe anxiety and loss of financial opportunities be halted.
I was contacted by XXXX on XXXX/XXXX/XXXX concerning charges that they identified as potentially fraudulent in the amounts of {$59.00} and {$400.00} and I confirmed that these were, in fact, fraudulent. They closed the account and I thought that would be the end of it. A couple of weeks later I went in to find that the charges were in fact still there and I was told that I needed to contact the fraud department to get them removed. I did this twice -- only after the second time did they send me the necessary paperwork to remove these charges. I returned the paperwork and checked back a week later to find that not only have the charges not been credited but that they had erroneously CHARGED me for the amount that should have been credited. Additionally, the date of the charge had been backdated as this had n't been processed until at least the second week of XXXX but the charge was datedXX/XX/XXXX. This left me now with an outstanding balance of {$910.00} -- double the amount of the original fraud -- with the second charge having a fraudulent date of XX/XX/XXXX entered by XXXX XXXX. 

I discovered the error on Monday, XX/XX/XXXX and called and after speaking to three people on that call was told that the matter would be resolved immediately and I should see the charges gone by the next day. It is now Friday, four business days later and it is still not resolved. When I called, it appeared that it was n't resolved on Monday and that I needed to speak to the fraud department again. At this point, I have spent close to 4 hours not only attempting to resolve the original fraudulent charges but also the erroneous and fraudulently dated double charge from XXXX. At the time that I am writing this, the issue has not yet been resolved. 

There has been no good faith effort on their part to resolve the issue and if I were n't someone who frequently checks their accounts, this easily could have resulted in additional penalties. While I understand that errors do occur, their lack of effort regarding resolving the issue that they created is my primary complaint. I have had other cards fraudulently charged and the issue remedied in 24 hours. We have now gone over a month and not only has n't the original problem been solved but I was then fraudulently charged ( not just in error as it was also falsely backdated ). I was told today that this should now be resolved and I will check again next week but wanted to ensure in the meantime that a ) no one else would have to go through this, b ) be refunded the full amount of my annual fee of {$150.00}, and c ) receive payment from XXXX in the amount of {$380.00} ( my billable rate of $ XXXXhr x 4.5 hours the time spent resolving this ) at MINIMUM.
From XX/XX/XXXX-XX/XX/XXXX ; Equifax has been harassing me and showing careless lack of concerns.Now I am at the point that I need your help to report this to the senator of my state. I asked Equifax for they ( Vice President ) Name/Numeber/Address and Email. They refused, also used in subordination towards me. I have filed several complaints before this point with them. No response has been giving ; leaving me to believe that they did n't report nor submit all my complaints:XXXX-of them! I spent my money mailing, faxing and sharing my personal information. By law they was suppose to remove a 7 year inquiry. Keep in mind I feel I have a lawsuit on my hands being the victim, because I was incarserated and I did not authorize nor request any fradulent activities that are on my account. Please take charge to handle procedures and civil constitution rights of a victim of unessary identity theft. I have names/dates/times that I was harass by Equifax. 

Note : My XXXX experience with Equifax has been prolong and critize and ridicule as a victim to be a mockery, maybe it 's Equifax who submitted and wide openly shared my personal information to have my file corrupted! 
Euifax is full of XXXX.
Their website wo n't allow me to access repayment options it takes me to the page where I can pay the current due instead of showing me income driven repayment plans!!!
The money transfer got cancelled last minute for no specific and valid reason. Refund will take 7 days. Western Union should not have charged my card if they already know that they will cancel the transfer.
on XXXX/XXXX/2014 i was traveling from XXXX to XXXX. l dont use XXXX and paid all toll by cash. 
that day about XXXX a couple of car approached to cash toll for paying toll fee, but no one there for collecting money. ( no one all cash boots ) about 5 minutes all cars ( about XXXX cars ) waited to pay but no one showed up for collecting toll money. 
we went next cash toll boot and told her no one was there and we could not pay by cash. 
she said fine and she collected {$8.00} and she gave me the attached receipt. 
about 10 days later l received a letter about toll violation letter and l called XXXX Department of Transportation and told them what was happened. and sent letter with the receipt. back and forth finaly they gave me a collection agency and reported credits B. 
I would like to solve this problem and not blamed on it because i did pay and did n't do wrong.
I have an unverified account from MEADE & ASSOC. I had previously disputed this account. I have never done business with MEADE & ASSOC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I bought a house recently but had serious issues with the mortgage lender/loan officer I did business with. XXXX XXXX XXXX is his name. He was previously with Equity Prime Mortgage but is no longer employed by them. Equity Prime was very helpful with this complaint. XXXX XXXX, during the process, advised me that his company pays the up front fee for the appraisal ( {$550.00} ) and he has already paid the company for that fee. He then asked me for a personal check to reimburse him ( {$550.00} ) to which I agreed. He was supposed to credit this money at closing. About a month later, I got an email from the appraisal company asking to pay the appraisal fee. XXXX XXXX then told me there was a mix up and the company did not pay for the appraisal and told me to pay it to them and he would credit both fees at closing. I unfortunately agreed. At the end of the process, XXXX XXXX attempted to have me sign a mortgage at 4.25 %. I did n't agree with the terms and was able to procure a rate of 3.75 % the same day with another company. Therefore, I did not close with Equity Prime or XXXX XXXX. I asked him then to repay the {$550.00} I personally gave him and he stated he would when he got it back from the company. I have since learned that he is no longer employed by Equity Prime and they did n't know about the money as they never ask for personal checks or money. He has not repaid me and will not answer my requests. 
XXXX XXXX XXXX XXXX NLMS # XXXX
Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX Indiana Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and XXXX marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and XXXX factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX XXXX in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX IDs Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX XXXX scams using XXXX IDs and business permits frauding using XXXX birth certificate
Since XXXX XXXX when we realized our mortgage had once again been switched over to another company ( XXXX XXXX XXXX ) ; we have faxed ( XXXX XXXX, XXXX ) them the information they needed to do our loan modification, emailed them XXXX times, and then mailed them all of the same information that was faxed to them on XXXX XXXX, which they received on XXXX XXXX, XXXX according to the tracking number. Every time I contacted XXXX XXXX services, after I had sent them the information they requested I was told they still had not received the information they needed to do our loan modification. 
When I spoke with XXXX XXXX on XXXX XXXX, that was when she informed me she still had not received the mailing, and then sent the email to the party who signed for it to try and locate that mailing. We then agreed upon a payment on XXXX/XXXX/XXXX Payment Applied {$1000.00}. When I then called in to see if anything had been done about the mailing I ended up having to call 4 times, and made sure they entered the tracking number with the persons name who had signed for it to be documented in our record. To this day nothing has been settled to have them modify our loan due to their negligence and inability to notify us of any help that we need so we can make payments we are able to afford. Even after calling that day 4 times, XXXX XXXX has not returned any of my calls even when I 've left messages for her to contact me. 
Thank you for your time
Hello Beginning XXXX XXXX I disputed an amount on my credit report that was not owed. The attorney continued to call and Harass me about this amount of {$2100.00}. I explained I did not owe that amount. They refused to listen to me. 

Now the credit bureaus job was to gain evidence that the amount was inaccurate or correct. They continued to report that it was correct without even doing their job. Therefore this was to be deleted from my account within 30 days. I disputed 6x for an entire 8 months and no one listened to me. The Fair Credit Reporting Act states to verify and/or DELETE these inaccuracies within 30 days. They failed to do so. Why are they allowed to continue to keep this on my report inaccurate for 3 years? I want this deleted. I noticed recently that the price was changed, even after XXXX sent me a letter stating Paid in full, XXXX balance.

I 'm unsure why this amount is changed after almost 4 years. I called the National Credit Systems and they refused to delete it still. This is unjust to the laws that were put in place to protect the consumer. The new amount of {$620.00} on my report should be deleted and obsolete. 

I have been unable to secure a safe apartment for my children due to this inaccuracy that I reported in XXXX to all 3 bureaus MULTIPLE times for 8 months. Broken leases are not considered under any circumstances. 
This has gone on longer than the 30 day requirement to wait for an answer. 8 months longer. 
I want this deleted from my report as that was suppose to be done in XXXX XXXX after the inaccuracies were not investigated properly or deleted in a timely manner. 
How many people are being overcharged inaccurate fees that were not correct from the beginning? How many Americans are suffering with inaccurate debt placed on them due to a company mistake? I am not the only one. This should be stopped and the proper authorities should step in and give proper penalties to the bureaus and creditors for not following the Fair Credit Reporting Act accurately. Is n't that way it was written? 

Thank you for your time and help.
I paid off my credit debt with Capital One on XX/XX/XXXX. Two days later, after my payment had posted, they charged me {$40.00} in interest. My balance is {$0.00}. They are telling me it is interest on the balance before it was paid. My bill is due on the XX/XX/XXXX, I paid on the XX/XX/XXXXin full and the payment posted on the XX/XX/XXXX. If there were any other charges to be had, they should have posted before my bill due date. There should be no other charges to pay. I closed my account some months ago because they were unwilling to work with me on payments until I was able to pay the account off. They claimed, constantly, that I had payment options yet both times I called seeking options, their reps were anything but helpful and would only accept full payments which I had been unable to do. Well now they are paid off and it seems they are trying to swindle just a little bit more out of me.
Before I had an unwelcome guest in my home removed by police on XXXX/XXXX/15, he stole my Discover credit card out of my wallet, without my knowledge. He proceeded to use it for 4 days and charged up over {$800.00} dollars. I did n't know the card was gone until I received a call from Discover asking about fraudulant charges. I said it was fraud and they told me to file a police report, which I did. I spoke to the detective twice and told him the situation, then I never heard back from him at all. I received no information unitl I got a bill from Discover showing the fraudulant charges were added back onto my account. I called and their fraud investigator told me that the police determined that I gave the thief my card to use so I was liable for the charges. I had no opportunity to dispute the claim and ultimately had to pay for the charges so that my account would not be overdrawn and affect my credit score.
I am disputing an erroneous notation on my Credit Report by Wells Fargo, stating I have a foreclosure on a home in XXXX. In XXXX I was solicited by Wells Fargo for a Loan Modification ( which I since learned was not permissible, per the Missouri Attorney General 's Office ). I was also asked by the loan officer handling the modification to create a false XXXX from a company I owned, in order to be eligible for the loan. I explained that was illegal and I would not do it. The same loan officer requested the same illegal action a second time on a different day. When I informed her it was illegal, and I would not do it, my loan modification was denied, and I was told I needed to file again, which I did, and later learned that by doing so, Wells Fargo would likely receive a bonus from the Federal Government for an additional new application. In XXXX of XXXX, the loan modification was approved under my threat of charges being filed for the illegal actions by Wells Fargo and I was told the foreclosure they had begun would be removed from my credit report. It was just brought to my attention within the past month that the foreclosure is still showing on my credit report, causing a lower credit score, and in turn, causing insurance rates to be higher for the past 4 years, interest rates on loans such as my car and my credit card with Wells Fargo to be higher, and to be denied a credit card by a different company, as well as denied a home loan so I could sell the home financed by Wells Fargo. Additionally, during the modification process, I was told that my initial home loan and my home equity loan would be consolidated into one loan ( the home equity loan having a very high interest rate ), but upon approval of the modification, I was told the modification only encompassed the original home loan and that I would have to refile and go through the same 10-month process to request a modification of the home equity loan, and that they needed to keep them as two separate accounts. Due to the issues with the modification of the first loan, I did not apply or request modification on the 2nd loan. 

I have made consistent payments on the modification ( copy of bank statement showing auto withdrawals for both mortgage accounts with Wells Fargo attached ) I have been working with my insurance agent to improve my rates for insurance, as shown by the attached, as well, however, they are not able to see WHY the credit rating dropped so drastically, but can only tell me it has, and therefore, my rates increased and coverage decreased ( copies of paperwork for that are attached ), and the denial letter for a new credit card is attached ( I followed up with them only to be told there was a negative statement on my credit report ) and a copy of the credit report run by a different mortgage company in XXXX, when I was first informed why the rating had dropped and that I was ineligible for a loan with a different company other than Wells Fargo.
I notified two company by the name of XXXX XXXX XXXX XXXX and XXXX XXXX, on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX both by U.S. Postal Service regarding an alleged debt of XXXX dollars. I have reason to believe I do not owe this debt because I believe they have me confused with a different person, and because the alleged debt is so old it no longer owe it under state law. This debt does not show up on my credit report. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts in [ my state ]. 
Non of these information was provided to me I also noted that Because I was writing the company within 30 days of being notified by the company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

They continued to move forward to collect the alleged debt from me and garnish wages without validation. 
This a violation of the Fair Debt Collection Practices Act.
I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with capital one. I have informed XXXX but they do n't return calls
They have my social security last XXXX digits XXXX wrong names listed for me had a fraud alert that I did n't put in I also had tremendous inquiries that I 've asked Equifax to remove and if they do I have to put a grad alert and I DONOT want another fraud alert on my credit they have made a mess of my life