WillisBack/dataset-financial-user-claim huggingface dataset:
Nelnet, Dept of Ed/Nelnet,    XXXX   XXXX   XXXX   XXXX  ,  and   XXXX   XXXX   XXXX   have been on my report original report for 7 years and according to the Fair Credit Report Act negative reports legally need to be removed, but  XXXX ,  XXXX  and   XXXX   have illegally manipulated the original 7 years to make it like it was n't as long so that my information would remain on my credit report illegally and fraudulently. The credit reports need to remove all the student loans from my account because it has been 7 years since they were reported since   XXXX  . They also doubled up on all my loans to make it look like I have double the loans that I have and it is fraudulent illegal information that needs to be removed but they wo n't do their job. Also there have been missed payments since   XXXX   and they put letters in later that are not clear that do not make sense since I did not pay anything   XXXX   until recently I consolidated my loan with  XXXX   XXXX   XXXX . Also the missed payments keep changing first they were 3 months and then keep increasing every time I ask questions illegally. The credit reports state " Worst Credit Ever '' and it is not true all loans were consolidated last year in excellent credit by  Nelnet  and  XXXX  by  XXXX   XXXX    XXXX   in excellent credit. The credit reports state derogatory, negative and delinquent accounts which is not true at all they were all deferred payments and never missed payments they were missed deferment payments.  Nelnet  stated that they did mention I had excellent credit which is a total lie because there is nothing on my credit report stating excellent credit ( see attached ). The credit reports state negative which has my credit report so bad that it has made me live in situations that were very unsafe and unfair. The student loans need to be deleted after 7 years of fraudulent incorrect manipulated information as soon as possible. ( see attached   XXXX    XXXX   XXXX  paid off all loans in excellent condition  ) ( See   XXXX   XXXX   Nelnet  letter states excellent condition of student loans but excellent credit status for student loans is not on my credit reports anymore with student loans )
Collector calling my place of employee, also contacting co-workers claiming that i used them as a reference and recently started contacting my co-workers spouses, one person asked them to stop calling there place of business and their cell phone to which the collectors response was I 'll call you again tomorrow and laughed when she asked for his supervisor he stated and yelled " MAINTENCE!! HAHA I 'll call you tomorrow '' They are harassing my coworkers, their spouses and also my wife and daughter.My supervisor at work has had to speak to me bout this issue now, I 'm enclosing a copy of one voice mail and one of my cell phone records for one day.The debt has been charged off by the orginal debtor.
This account is on my credit report, Does not belong to me, I called XXXX and was told there is nothing that can be done today, I have to mail a letter to their consumer affairs department. There are multiple accounts on my report, as well as employment info and address info I will continue to call the creditors in effort to get the false info removed Account Name XXXX Account # XXXX Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Foreclosure proceeding started I have attached a copy of some of my Credit Report from Experian. I have never lived in XXXX Oklahoma, any info regarding that is false
CITIBANK N.A . is the banking institution for the retail SEARS card ( ending in XXXX ) in regards to my complaint. I already received a cancellation of debt form ( XXXX ) for the TAX YEAR 2012 which I 'm submitting with this email. The problem is that is is still showing on my XXXX Credit Report as STILL OUTSTANDING / UNPAID. Besides being time barred ( XXXX+ ) years in California being that the statue of limitations has expired with the ability to collect legally, a XXXX tax form for the year 2012 was paid on my behalf as well as a letter from CITIBANK N.A showing this debt was cancelled. 

Conclusion : Continuous calls to CBNA to remove this negative debt have all but failed. I 'm asking you to review and or call CBNA at the numbers listed below to make them remove this CITIBANK N.A amount of {$5200.00} from my XXXX Credit Report and or other credit reporting agencies and to issue me a document / letter confirming that this debt is no longer due and has been forgiven as stated in the XXXX 2012 tax form that was submitted to me as well. 

CITIBANK N.A . 
REGARDING ORIGIONAL ACCOUNT # XXXXXXXXADDRESS : XXXX, NY. XXXX ( XXXX ) XXXXXXXXNote : THE LAST ( XXXX numbers on my SS # XXXX )
XXXX says that I have an old bill that I/O to them. However, at the time they created the bill, I had a XXXX account which is now paid in full and has been and is paid regularly. They turned it over to a credit agency. I finally was forced to file a police report, and I gave them the number. They will not let it go. They still have it on my credit. I have ask them for proof, but all they sent me is the bill. The care company is pinnacle LLC c/o XXXX
After being laid off from my employer in XXXX of 2016, it was difficult to ensure bills were paid on time with XXXX income which was my wife 's and part time. Therefore, after falling behind in my Navient private school loan, I made several attempts to seek out and obtain assistance from Navient in hopes of getting a lower monthly payment until payment from my new employer was consistent enough to begin repaying the original amount due each month ; however, each attempt made to Navient on my behalf has been unsuccessful and have been informed each time I 've requested the assistance, that I 'm already enrolled in a low payment program and despite the financial hardship, there 's nothing else that could be done. Navient representatives have also made it clear, that if a certain amount was not paid by a certain date, the delinquency would be reported to the credit bureau 's. I 've also received documentation, via mail, from Navient that states other repayment options are available that may be a better fit for my budget if I 'm having difficulty making my payments, yet, I 've been told numerous times, that there 's no other options available to me since I 'm already enrolled in a low monthly payment program.
I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.
I opened a checking account 19 yrs ago with another financial institution, they were bought out several times, and just stayed. my kids opened checking accounts there too, and my name is on there 's too. I had to help one of my kids get a loan for his car, they required me to be the primary. The account was up to date and they went in and took an unauthorized car payment out of his brothers bank account without permission from any of us. He called and spoke with XXXX XXXX ( XXXX ). She told him on a recorded line that I authorized it, which was a LIE. He told her that they had no right to do that and that he wanted his money returned, she told him that because my name was on his and his brothers checking account and he did n't have sufficient funds that they took it from his. I called and talked to XXXX XXXX in Executive client relations office ( XXXX ). I told her that it was underhanded and sneaky way of doing business and that i expect his money to be returned to him or that I would be filing a formal complaint.
For the past 5 years, I believe that I have experienced ( and have evidence of ) organized deceit regarding my account with Bank of America. I believe that this is a direct result of technology fraud or incompetence. Bank of America has automatically opened an unauthorized account, created unauthorized charges/fees, closes the account, does this again and again, and then repeatedly and continually misdirects me ( a customer ) to hide that this is going on. As one of the successor trustees of a trust set up with Bank of America and supplying them all required documents, I am unable to get the required financial information from them that will allow me to manage my money. Can anyone help me get the financial information on our own money without having to take them to court?
I noticed medical debt with commonwealth and I sent in Hippa validation letter. They never responded on the claimed medical debt. I am unaware of any current outstanding medical debt and I have never signed anything allowing Commonwealth to have possession of any medical data concerning me.
A collection agency is trying to collect a debt from me that has been paid by my insurance company. XXXX county medical center is trying to collect for services render XX/XX/XXXX. The Insurance company informed the medical center the debt has been paid but the medical center continue to harass me. This is the second time that the center turned this bill over to collection. I informed the collection agency the bill had been paid and they pulled the bill back. Now it has been almost 1 year and I get another letter from the collect agency, I asked for proof from the insurance co and they sent me a ltter showing bill paid in full and there was nothing owed by me, I informed the agency that I had a letter showing nothing owed by me and they wanted a copy of the letter. I mailed a copy of the letter that I received on XXXX XXXX, XXXX and to my surprise I received another letter with a copy of the validation of the debt and there was no mention of the copy of the letter that I sent them showing I did not owe this bill. Enclose is copies of correspondences from the collection agency. I consider this a form of harassment. I am XXXX XXXX XXXX that is why I pay for a supplemental insurance policy to pay medical bills that medicare dose not pay. I have been harassed for over 1 year with this hospital, I have tried to settle this account by asking the hospital to a XXXX way conference call and they refuse to speak with insurance company while I am on the line
Experian and XXXX are reporting that I owe tax liens that are incorrect. I have disputed these items with the Credit Agencies.
I received a pre-approved card offer from PNC Bank in the mail without a way to opt-out anywhere on the mailing. PNC Bank insisted that it was on the mailer, then said that a 3rd party was responsible for the mailer,  then said it must have been a misprint.
I purchased my leased vehicle from Honda Financial Services ( American Honda Finance Corporation, as Servicer for XXXX XXXX XXXX ) in early XXXX 2016. It is now XXXX 2016 and I still do not have the title for the vehicle after repeated phone calls to HFS requesting my title. The registration on my vehicle expired XXXX XXXX ; my plates expired XXXX XXXX am now driving on expired plates but have no choice as I need the vehicle to do my day-to-day chores, get to work, and get my kids to their activities. XXXX continues to give me the run around when I call asking for information on my title or assistance in getting what I need for the XXXX to replace my title and allow me to renew my registration and licence plates.
I wrote letter to law office of relin Goldstein phone ( XXXX ) XXXX telling them that the XXXX XXXX   account belongs to another XXXX XXXX last four of  my social XXXX I have common name I send letters to XXXX XXXX XXXX XXXX # XXXX XXXX not XXXX but they keep calling me first my cell XXXX XXXX XXXX and then my wife 's phone number XXXX XXXX and then my home phone I don't know how they got my home number its unlisted when I block them they call my other numbers harassing me my XXXX XXXX XXXX pick up the phone and got scared by these people. I told these people several times that this is not my debt they have wrong party and also has been searching my information on social media I have protection s alerts that tell me if I'm being search. Can you please tell law office relin Goldstein to leave me alone I going to make a complaint with the grievance committee for misconduct and unlawfully abuse. And filed a police report. Trying to intimidate me and my kids wife I have rights
I received a loan from bright lending in XXXX. I recently discovered that these types of loans are illegal in my state. I have repaid nearly the full {$500.00} original loan.
My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX  years old. In XXXX my grandmother was battle XXXX XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her XXXX in XXXX.In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX years old. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX. XXXX was convicted on 180 counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me.In XXXX the Mortgage was purchased by XXXX  XXXX without investigating the origination. In XXXX  the home went into foreclosure. XXXX XXXX tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records; XXXX XXXX determined the mortgage was valid; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XX/XX/XXXX.I have attached supporting documents as well.
" " '' I have disputed this charge off on thisXXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I paid this company in full, still trying to collect more money ; which is not owed.The company is XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
As I was going through my battle with XXXX XXXX. XXXX was involved in the process without my knowledge through my medical provider. Since then this has been turned over to collections and now lies with a law firm XXXX and XXXX. XXXX # XXXX. Since their acquiring my account I have Received over XXXX legal threatening phone calls and voice mails of which I kept records. Letters threatening legal actions and account freeze, income garnishments, etc. 
I have a copy of my credit report that I personally obtained and the " Original Ceditor is C.S.I. XXXX and the collection agency is National Credit Systems. 
Due to my illness, I am currently on XXXX. income and have XXXX insurance with complete coverage of all medical bills. On numerous occasions, I attempted to pass this information on to National Credit Systems they refuse to take record of this info. and my every attempt to contact XXXX and XXXX. has been met with contempt and threats to pay in full or they will proceed. 
My XXXX insurance has been effective since XX/XX/XXXX and I wish to resolve this matter A.S.A.P. so my Credit Report can return to its deserved position. 
Respectfully, XXXX
I currently have 2 credit cards with Bank of America. 

XX/XX/XXXX - Balance on card 'A ' was accidentally paid to card 'B ' using bill pay from XXXX  XXXX XXXX . 
XX/XX/XXXX - When checking credit card activity, I noticed mistake and called to speak with Bank of America. I was told that the paid amount could not be transferred from card 'B ' to card 'A '. I would have to submit additional payment to pay balance of statement for card 'A '. I immediately set up payment from XXXX XXXX XXXX to pay again to correct card. I was also told that I would be refunded the amount I initially sent to incorrect card to my bank within 2-5 business days XX/XX/XXXX - Payment was received to correct card XX/XX/XXXX - I called Bank of America to check on refunded amount as it was the 5th business day and I still did not see the funds posted to my account at XXXX XXXX XXXX. I was told by XXXX that a department at Bank of America deemed the amount to high and that they would hold the funds for 10 days before releasing to my bank account. I asked who had the funds that I originally submitted. She stated that Bank of America was in possession of those funds. After asking what recourse I had to dispute the 10 day hold period that Bank of America was conducting, I was told that is their policy.
I went to see an apt that i wanted to rent from whom i thought was a realtor. She explained to me what steps to take to deposit my money into the owners bank account to hold the apt for myself. After i deposited the amount i needed and sent her confirmation she said she would call me back and set up a time for the next day to sign a lease agreement. After a few hours my phone calls would go straight to voicemail and now I 'm trying to get my deposit back from this scammers account.
XXXX has reclassified several paid accounts with XXXX balances as charge offs after being paid with by a student loan consolidation years ago.
I have spoken with numerous representatives regarding this matter with this company XXXX XXXX XXXX and this company is still reporting on my credit report from Experian this company should be removed immediately and Experian is refusing to update my credit report with accurate information
I submitted a validation request to the credit bureau and it was not corrected. The company did not get back with the bureau however the loan somehow stayed on my report. This Bank has XXXX different accounts and unwilling to verify and validate the requested information.
I have attempted twice to dispute inaccurate reporting by Synchrony Bank on several of my personal accounts I have with them. The last dispute was submitted directly to Synchrony Bank on XX/XX/XXXX. This letter contained a letter stating my request to remove inaccurate reporting of late payments, and incorrect address, along with evidence proving the information being reported was not accurate and should be removed. XX/XX/XXXX I received a letter from Synchrony Bank stating their review indicates they are correctly reporting to the credit bureau ( s ). I feel Synchrony Bank is in violation of The Fair Credit Reporting Act.
Debt was sent to collections, rather than bill the insurance. Grievance was filed with insurance, and updated amount was paid. Debt collector has old outdated info, from before the insurance was contacted. Still trying to collect.
Effective XX/XX/XXXX, my previous mortgage company XXXX sold my mortgage to Nationstar mortgage. There has been nothing but problems since day one. The two latest problems are the most serious. 1. On XX/XX/XXXX, I received notice from Nationstar that they sent {$10000.00} to XXXX XXXX Az. sewer improvement district for delinquent taxes. I called the XXXX XXXX XXXX office and was told there was no money owed to them. I called them again today ( XX/XX/XXXX ) and they told me they never received the {$10000.00}, and if they had it would be returned to Nationstar as no money was owed. Nationstar says they have n't received anything back. Every time I call them they tell me it 's being investigated. I have requested documentation from Nationstar, but they either will not or can not provide it. I have now received notice from Nationstar that effective XX/XX/XXXX, my monthly house payment is going from {$390.00} to {$1100.00} to make-up the escrow shortage for the money that was never owed and is now missing. 2. On XX/XX/XXXX, Nationstar received a bill from XXXX XXXX XXXX in the amount of {$380.00} for homeowners insurance. On XX/XX/XXXX I received notice from XXXX that Nationstar had not paid the bill. I called Nationstar and they first claimed they never received it. They put me on hold for ten minutes. They came back on the phone and said they found it and would pay it immediately. On XX/XX/XXXX, XXXX notified me that the insurance was paid. On XX/XX/XXXX, I received notice from XXXX that there was a {$10.00} balance. I called XXXX  and was told the CHECK FROM NATIONSTAR BOUNCED. Nationstar had since sent a second check, and the {$10.00} was a bounced check charge. XXXX contacted Nationstar and they paid the bounced check charge, but had the nerve to take the {$10.00} out of my escrow account even though they had made the mistake.
XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear XXXX XXXX/ Equifax : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; Equifax has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ XXXX XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX
To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and IQ Data International. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.
I have had nothing but problems with Ditech. I had a loan modification while I was injured and not working. Which was in it self a very taxing experience.they lowered it XXXX dollars for a while and then without notifying me raised it back to original payment and turned it into a new 30 year loan without my concent. I was already 20 years into my loan.also they stated I was short in my escrow account and raised my payments. And now they have notified me again Im short and I need to pay them again. In 20 years of my loan this never happened with other mortgage companies until Ditech took over. Please help me.
I had someone buy a tee shirt from my shop in XXXX. The shirt she wanted was backordered. She filed a dispute with PayPal on XXXX stating that she had not received her item. They emailed me stating that I should communicate with the customer about the status of the item. I emailed her on XXXX stating that the item had been back ordered and that I had followed up with the merchant to put a rush on it. Paypal sent me a dispute resolution link to provide them with tracking information, proof that I had refunded the customer or proof that the customer had received the item. Those are the only XXXX options on this page. There was no tracking information at that time because it was back ordered. PayPal closed the case and told me that when the case was close I might not get my money back even though I could now provide them with the information they needed. 

The customer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX United States XXXX XXXXXXXXXXXX her transaction amount was XXXX paid to my PayPal account XXXXXXXXXXXX on XXXX/XXXX/2015 and refunded to her by PayPal on XXXX/XXXX/15. The tracking number for her shirt is XXXX via at USPS.
TransWorld Systems is reporting account number XXXX on my credit report when I paid them. My credit report reflected a balance of {$77.00} but they are still continue to report this items. I had originally disputed it but it does not say disputed on the credit report which I know is a violation of the FCRA.
Last year, Equifax had my information mixed with someone else and as a result I had them remove and fix it. I recently applied for an apartment and I was rejected due to a bad credit score. I checked my recent credit report and everything seems to be in order but my credit score is still bad. I have no debt and paid off all my loans so I do not know why the score is so low. I can not get a hold of a person who can help when I called Equifax and kept getting transferred back and forth and was on hold for over XXXX hours.