WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed with Resurgent about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to Resurgent. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Resurgent did not oblige. Resurgent letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since Resurgent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
I have a 2013 bankruptcy entry that was placed on my credit report. that I have been trying to for over 6mths to get this entry Removed and Deleted.I have made several attempts by mail correspondents and spoken to customer reps in regards to this public record 2013 bankruptcy.I called and spoke with a representatives from Experian on what are their procedures on verifying their public records.because I need this information because it keeps coming back verified. The rep told me a form is sent to the court house and any public information available.Once that information verifies it is sent back to the credit bureaus and then that information is placed on the credit report.I asked the rep what physical form and or paper work was used because I need a copy of it ASAP. Then I was told they could n't give me one. I need to contact the court system. The Court System DO NOT Disclose, Release or VERIFY Any Information For The Credit Bureaus or Any 3rd Parties so given this false information by Experian this 2013 Bankruptcy needs to Deleted and Removed from credit report ASAP
On XXXX/XXXX/16, Citibank close my Prestige Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened in XX/XX/XXXX and I paid the {$450.00} in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$450.00} annual fee I paid.
O n two occasions within the past 14 months , I have had  XXXX  Collection Companies file default notices with   XXXX   Credit Bureau BEFORE EVER contacting me to advise they had been retained for claimed medical creditors.    *   XXXX   XXXX   XXXX  based in   XXXX    TX  :  XX/XX/XXXX  Filed directly to   XXXX    on behalf of   XXXX    XXXX   XXXX .  XXXX   XXXX  broke down the basic claim into  XXXX  separate filings, evidently to black mark my credit to the maximum. The only way I found out about their filing was through a gratis Credit Monitoring firm provided after their Company client records were hacked.   * Cascade Capital LLC : Recently starting in  XX/XX/XXXX  and indirectly for the past  5   months has been harassed me as Creditor on behalf of  XXXX   XXXX  Hospital for {$360.00}.  Cascade Capital  evidently owns many  Credit Collections  Agencies. First contact was from  XXXX   XXXX   XXXX   XXXX   XXXX   , PA ,  who failed to contact me in any way before filing their claim against me with  XXXX   .  They never responded to my letters of  XX/XX/XXXX  and  XX/XX/XXXX . Then last month, I received 2nd contact by mail for the same claimed creditor and dollar amount, from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  IN.   Finally, the link back to  Cascade Capital  was obvious.
So I opened a Chase XXXX Rewards Credit Card with high Available credit and had to spend {$5000.00} in 3 months to be able to get XXXX points for XXXX. So we took a vacation spent and spent about {$3500.00} on the first month than they just up and close the account the next month of the opening Credit Card. My Credit had no changes or any new derogatory marks beside actually going up a couple points. They said it was risk factors but the risk factors that they said proclaimed where there when I opened. Now I just spent XXXX dollars on a Credit Card to get rewards that I really did not need to do. I feel like it was some kind of bait and switched tactics and now my credit just to a hit Down 15 points because of them closing the account. Why on earth why they open an account and then just close it down the next month it makes no sense and since credit is so important these days I feel like they are just messing with people lives in this situation and needs to fix.
On XX/XX/XXXX, my personal checking account at Bank of America got a debit transaction of {$4300.00}. I immdiately called them to file a claim on this. Yesterday ( XX/XX/XXXX ) they rejected my claim. And there is not phone number to call whoever initiated the charge.
I submitted a dispute to Experian on  X/XX/17   , for reporting inaccurate information on my report. I stated that the debt does n't belong to me and I also do n't have a contract with the collection agency verifying the debt is mine. The amount of the collection is {$1200.00} from    XXXX   XXXX   XXXX   XXXX  .  Account #  XXXX . The dispute has come back  3 b usiness days letter,  X/X/17   , stating the account was verified. I am positive that Experian did not reach out to the collection agency requesting verification of debt and received a response within  3 busi ness days. They also did not provide physical proof of what was used to verify the debt.
I currently have a direct consolidation loan which is service by FedLoan. Over the past three years that they have serviced my loan, it has been extraordinary difficult to recertify my income based payment and to get them to process the paperwork in a timely way, without repeated errors. The employees are unable to answer questions about why payment amounts do n't match those listed on the student loan calculator and why applications were routed into programs other than what was listed on the application. This year after originally filing for an IBR, I learned that the new REPAYE program would be an option for me. Despite filing the paperwork w/ them XX/XX/XXXX, my loan is still not fully enrolled in the program. Instead, the company opted to put the loan in forbearance for several months. It 's unsettling that my loan interest continues to capitalize b/c of their inability to process the paperwork. Further, it 's unclear to me why servicers are n't required to meet particular deadlines for completing paperwork. I submitted my materials in a timely fashion, yet I continue to wait and accrue even more interest.
XXXX XXXX continues to call, leave messages, and inquires about how to contact the person they are attempting to collect a debt from. 

They have called on XX/XX/XXXX, they left a message for XXXX, stating it is important to call them back to resolve this issue. I called them, asking what this was about. They stated they are attempting to collect a debt from XXXX. I told them I am NOT _________, she is my ex-daughter-in-law. She and my son have been divorced for years. Quit calling me. They then asked if I had any contact information for XXXX or could I give her a message. I said, NO. quit calling me. They said they would take my number off of the account. I said, you have told me that twice before. They stated they will no longer be contacting me. 

On XX/XX/XXXX XXXX XXXX again called leaving a very lengthy message regarding ________ with an issue she needs to take care of immediately with XXXX XXXX XXXX XXXX. Again, I called them and told them, this is not my debt, I am no longer related to ________, STOP CALLING ME!! Again they said they would take my number out of the system. I even talked to a supervisor. I said, you have told me several times you would take my number out of the system and yet you continue to call, leave messages regarding ________ debt ( which is a direct violation of FDCPA Rules ) and continue to ask me for contact information for ________ ( also a violation of FDCPA Rules ). Again they stated they would take my number out of the system. I stated, I don't believe you because you have called me a total of 4 times, twice leaving messages, 2 times I answered and told you to QUIT calling and 2 times I called you directly to QUIT calling. I then told them, I have no reason to believe you will stop harassing me and am going to file a complaint with the Consumer Financial Protection Bureau. 

I have the voicemails to prove these claims!! 

XXXX Names intentionally left blank to protect the identity of debtor. )
My husband passed XXXX years ago, I am waiting.g on XXXX.My son pays my bills, bank of America is trying to charge me late fees for XX/XX/XXXX and XX/XX/XXXX.My son 's gets paid on the XXXX and I pay the mortgage the very next day.They have been told about my situation, my son is doing the best he can to help me.He can not afford to pay these outrageous late fees.
I called Southern Management Systems in an attempt to pay off the debt that is listed on my credit report. I called the number listed, and spoke with an operator who took down my name and number and said that she would give it to the person who I need to talk to and they would contact me. The gentlemen then called me back and said that I owed {$1200.00} and that he would settle for XXXX % which was {$930.00} but would just make it an even {$900.00} and remove it from my credit report. I said ok, will you send me a letter or some sort of confirmation of this agreement stating that if I pay {$900.00} then you will remove it from my credit. He responded " No I will not do that. '' I asked how I am supposed to believe him or have proof that that is what he said and he kept saying that he wo n't do it and then proceeded to call me a " liar. '' I asked how I am a liar and he said I just lie and that 's what I do. I 'm not really sure what that had to do with anything at all, but I just asked for proof again and he said after I pay him he will. I said I wo n't pay you until you give me some sort of proof of agreement first and he then said he was going to hang up on me and he did. I just want to get this taken care of and I do n't know how else I can do that if they wo n't even accept my payment. It should be standard for someone to ask for a written agreement of some kind and he completely refused. I do n't feel comfortable paying {$900.00} and running the chance of him going back and saying he did n't say that and not removing it from my credit. I also need proof of payment for a new apartment that I am trying to get.
On XXXX XXXX, I mailed a letter requesting cancellation of PMI. I provided information regarding the percentage of the loan to the original value of the home along with an offer to make a XXXX time flat principal payment to get the loan to the 80 % mark as required. Today I contacted Greentree and they stated they imaged my letter on XXXX XXXX. The representative stated she would request that the escrow department take a look at my letter and they should get back to me by XXXX XXXX. This seems rather long to process a request such as this.
Received a collection notice in the amount of {$3500.00} for maintenance fees on a timeshare from XXXX XXXX XXXX , XXXX . The amount includes {$1100.00} in fees from previous collection company " XXXX XXXX XXXX, '' and {$880.00} in fees from XXXX XXXX XXXX , XXXX . The original debt was {$1400.00}. We attempted to make payments to Aspen who returned our payments when made. We disputed the debt for excess fees greater then allowed by law, but nothing happened. Now this new collector " XXXX '' is attempting to collect {$3500.00} by adding {$880.00} in fees on top of the {$1100.00} in fees tacked on by Aspen to the original debt. Aspen sold the debt to XXXX including their collection fees. The original contract does not include allowed interest or excess fees. Aspen also tacked on interest from the beginning, adding interest before they actually owned the original debt which is not allowed under the FDCPA.
I started a gym membership with  XXXX   XXXX . I was detailed out of town fo r 60-days, and since the gym membership was {$140.00} per month, I tried to cancel my membership. The manager said that I could not cancel my membership in person, and could only do so by sending a certified letter with 30-day notice. I did thi s in  XXXX . I also asked my bank to stop payment. In early  XXXX  the bank stopped the payment, but  XXXX  used a different company nam e ( a vari ation ) to withdraw the payment. I filed a claim with the bank, but they said there is nothing I can do. I called the manager at  XXXX  and demanded they stop, and they said that I would have to send another certified letter. I filed a fraudulent claim with the bank, but the bank reports there is nothing they can do if  XXXX  uses a different name.     I am not authorizing them to withdraw money from my account. They must stop.
Hello, I am writing this message because I am having a problem with the credit bureaus. As im going over my credit reported dated   XXXX    23rd 2017. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to gi  ve me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. Also there is an account thats haunting my credit report to the extreme, its called   XXXX   XXXX   XXXX  . This has been reporting to my account for some time now, i have tried disputing and calling to let the bureaus know that this account does not belong to me AT ALL! I have no contract with this company. Its been disputed, but keeps coming back verified. The FCRA states that if they can not validate the debt, it has to be rem
oved.Its an unverifiable account.please remove it/them
I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. XXXX helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX report. However, after calling Transunion and XXXX, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.
I am once again filing a complaint for Select Portfolio servicing out of XXXX, Utah. 
My loan they claim they are servicing has XXXX as the trustee. Select portfolio is also owned by XXXX. XXXX these banks have, as late last year, agreed to settlements due to fraudulant mortgage practices and have agreed to help the borrowers as part of their settlement. I called Select Portfolio to see if my mortgage would be part of the settlement. I have tried for many years to get a fair modification from Select Portfolio. They claim to have no idea about how the settlement would work or if I am a part of it. I have sent documents, as instructed by both XXXX and XXXX XXXX, to find out if the trust my loan is part of will be getting funds from the settlement. 
In the mean time, although I had talked to Select Portfolio telling them what I had done and that I would not be hearing from either bank for a couple of weeks, they have foreclosed on my house. The sale date is XX/XX/2016. I believe I should not be foreclosed on while I wait for information on settlements from XXXX banks that select portfolio is heavily involved with and I demand they hold off on the foreclosure process until they know if my loan is part of the settlement from their parent company, XXXX XXXX or from the trustee bank XXXX.
I ask Midland to validate, sent XXXX certified letter. They still refuse to validate and still continue to damage my credit by changing it to dispute status. The debt is not mine that they are trying to collect, that was sold to them from XXXX XXXX.
Capital one and myself agreed on a payment plan to help my credit card account. Capital One has continuously called me for payment. Even after I had made payment been sent receipts by Capital One. They continue to remove me from my plan and then refuse to speak to me about it.
XXXX  ; Experian and XXXX are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Navient reported all my accounts as 90-day late in XXXX XXXX when in fact my forbearance covered the following months : XXXX, XXXX & XXXX. 
I have tried to resolve the problem numerous times with Navient since XXXX and all 3 credit bureaus but no one seems to be reporting the correct information. I made several calls to Navient regarding the information, disputed the incorrect info with all 3 bureaus and I even sent a letter to Navient advocate department on XXXX/XXXX/XXXX to explain that the information reported was incorrect, I told them even if the information reported was correct at one point according to FCRA section 623 ( a ) ( 2 ) " Duty to correct and update all information " The information reported previously should be updated and corrected. Unfortunately this information reported has lowered my credit score and has delayed several important events in my life. I would greatly appreciate if this gets resolved.
I have student loans and they were defaulted because of a   XXXX   XXXX   I was in. My family and I were   XXXX   XXXX   XXXX   XXXX   XXXX  , resulting in a   XXXX   of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid 9 consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised. And these are reported by different servicing agencies because they sell them and pass them around so it looks like there are more loans than there actually is and my negative accounts number are 3 times as many I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..
In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to XXXX my difficulties. In XX/XX/XXXX I  explained to XXXX that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, XXXX repossessed my vehicle on the XXXX. After a few months, XXXX contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the XXXX account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX and XXXX called, stating they had the XXXX account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for XXXX. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with XXXX had been dismissed and closed. This is when the payments stopped. I noticed XXXX on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows XXXX balance due $ XXXX. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. XXXX 's collection attorney 's have lied to me, forged my signature, and XXXX is a huge part of this. XXXX and XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has XXXX contacted me with an answer. I searched the Better Business Bureau and found similar issues with XXXX XXXX as well as XXXX and XXXX. I also searched your consumer search and found that XXXX was sued for discrimination against XXXX Americans, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing XXXX, XXXX and XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.
It has been more than 30 days since my dispute with Professional Debt Mediation Company and  they have not provided the information as requested. In my last complaint they said they needed more time. They have received an additional 30 days already. They havent provided it because they can not prove it because I dont owe it. I am requesting that they follow the law and immediately remove this from my credit report since they can not verify the debt. They still have not furnished evidence of a certified letter being mailed to me. Because it was never mailed. I do not owe this money. Please have them remove it.
My XXXX XXXX loan, which Navient now owns, is reporting different data across the major credit bureaus. XXXX says on XXXX of XXXX my account went to 120 days late on my FICO credit report. It was reported as " OK '' XXXX of XXXX. XXXX also shows that 120 days late remark. On XXXX of XXXX XXXX still shows 120 days late but XXXX bumps up to 150 days late. This occurs again on XXXX XXXX when XXXX stays at 120 days late but XXXX increments to 180 days late. My issue with this account is that the data is being reported differently to XXXX different credit bureaus, so is this not in violation of FCRA that requires 'if ' data is going to be submitted that it has to be accurate? Another question I have, how can the account go from payment ok on XXXX of XXXX to 120 days late by the next month? It 's not like XXXX XXXX did not report the data, as is the case for earlier in the year, but for XXXX it clearly says the payment status was OK. If it really was 90 days late, that means the date of my first delinquency would be further in the past. That would greatly help me because if we date this back to the first 30 day late, I would have this fall off my credit report three months earlier than it currently would. All of this lead me to dispute with Navient who now owns these accounts. I have tried several times to inform them that the payment information is wrong and I asked them to please remove it if they can not make it accurate. They reply that it is accurate and they refuse to change it. I 'm hoping that you can help me not only get the payment data to match across all XXXX bureaus but I am also hopeful that they can provide some proof to verify which of the XXXX is genuinely correct. I do n't like the idea of Navient simply changing the data to match one of the other credit bureaus without proving what in fact was incorrectly reported. With all of that said, I would be very grateful if Navient agreed that mistakes were made and that they just discontinued reporting the payment history across XXXX, XXXX and XXXX. These loans defaulted over 4 1/2 years ago with the delinquency happening around 5 1/2 years ago. Would it be so bad if after all of this time Navient extended some grace to me after they themselves made mistakes on the data they reported?