WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the collection agency and advised that I do not recognize the account on my credit report and that I wanted to request verification and validation of the debt. I advised him that I was working directly with XXXX XXXX on my past due debt to receive service and the payments are being reported under XXXX XXXX. The collector then continued to offer me a settlement on this account for 70 % of the balance. They then informed me I have an account from XXXX XX/XX/2010 they can settle on as well. I told him I do n't believe them to be my accounts and requested proof of ownership. I then filed a dispute with the credit bureau 's and the collection agency replied quickly within days the debt was valid and it must remain on my credit report. It has been almost 2 weeks and I still have not received verification or validation of debt. I called the original creditor risk management department and was told that I have no other debt then the account I settled and my Current Account. The collection agency also attempted to collect on debt which was time barred past the statue of limitation without advising me that they did not have the right to sue me or force me to pay the debt if it was mine. They did not advise me that accepting settlement or making payments would have reinstated debt and caused longer reporting on my credit. My rights have been violated as well as the fdcpa and fcra. NC State Law also requires that you provide disclosure of time barred debts.
Experian has me as 30 days past due on my XXXX car loan account which is inaccurate, I have disputed with no change this needs to be removed. This is NOT true see attached and per XXXX THEY NEVER SENT THIS DATA to Experian. This needs to be removed ASAP as it is unfairly hurting my credit rating
This is for a care credit account for 3 necessary missing XXXX XXXX   as a XXXX. To not have them affected XXXX, XXXX, XXXX, and the look of the smile. There is a late payment from last month that we could not afford, so we did not pay the full amount ; however, I have already informed them that we are paying off the care credit account ( as much as possible ) when our tax return comes in one lump sum ( part of it was zero interest for six months, and then another part was an agreement for a two year payment plan ), but they don't care. They are calling at least 4-5 times per day, every day, starting around XXXX XXXX for weeks now, and filling up my voicemail with blank messages.
I signed a mortgage with SoFi, which closed inXX/XX/XXXX.

SoFi sold my mortgage to a different mortgage debt collector, XXXX, on XX/XX/XXXX. The quality of service of XXXX did not meet my expectations, specifically, XXXX   does not have electronic statements.

Other issues include : the online banking system is terrible, it took multiple days to enable autopay, none of my insurance information was transferred to the new mortgage provider, it does not have phone service on the weekend, and more.

I am incredibly dissatisfied, in particular the lack of electronic statements. I have complained to both SoFi and XXXX on MonXX/XX/XXXX, and received replies XX/XX/XXXX, and neither is willing to resolve the issue. This is a security risk ( my personal information is in the mail ), a service quality and convenience issue, an environmental concern, and an accessibility issue ( suppose I had low vision issues ).
My office was burglarized and several coworkers credit cards were stolen including mine. This happened at approximately XXXX on XX/XX/XXXX. I was informed of theft by coworker, when I checked my wallet, I noticed that my Bank of America personal and business credit/debit cards were missing and a XXXX XXXX credit card as well. I immediately called Bank of America to report theft and block cards from additional charges, this was approximately 2 hours after theft. While on the phone with the credit card fraud department, I was logged online to my B of A accounts to confirm fraudulent charges. When on the phone for the business account I saw only 1 fraud charge at that moment, it was a charge for {$3800.00} at XXXX XXXX   XXXX  CA. I explained that this was a fraudulent charge, and that I have never shopped at this store ever. Initially B of A provided a credit for the the charge from business account on XX/XX/XXXX. B of A then reversed the credit on XX/XX/XXXX for the amount of {$3800.00}, claiming I had made the charge. I contacted the claims department at B of A to reopen the claim and provided police report numbers and supporting information the this was a fraudulent charge. I have called back every week to get B of A to recognize that this was not a legitimate charge. Of note my B of A personal credit/debit card fraudulent charges were all returned. It seems odd that they would confirm fraud for one card and not the other. I was responsible and called immediately when I noticed the card stolen. I managed to stop further charges by acting quickly.
I recently received my credit statement showing a minimum payment of {$250.00}. Because I can not afford to pay the full amount, there is a monthly fee of {$37.00}. In the terms and conditions, the credit card stated there was a minimum payment of {$25.00} This amount is abusive and the original balance has quadruple within a year 's period.
My data may have been compromised as part of the Equifax data breach. I did not find this out through any notification from the company, but from word of mouth and individuals posting a link through which I could check if I had been affected.
Hi i am writing today in hopes to get your help i recently reviewed my credit report and i saw that you are reporting me 30 days late ( they are different days by all the credit bureaus so i will attach a picture of it ) and i was shocked when i saw it because i always pay my bills on time i cant remember what happened then i dont remember missing any payments but i cant argue on that since i dont remember but that is not me i am not the person that pays my bills late and you can imagine what this means for me i was gon na lease a car and i they wanted a way higher rate then i was supposed to get so i beg you to please update the 30 days late on my credit report to reflect as current it would be a great help to me Thank you so much!
need help with my XXXX XXXX / Navient loans please help constant harassing me company will not give me balance.
On XXXX/XXXX/XXXX I submitted a dispute to Equifax in regards to two different charges/ from the same vendor during the same year period. I accept responsibility for one of the outstanding balances but not both due to the fact that this vendor will not allow you to have more then one account. This negative information has been removed from the other two major credit bureau 's but Equifax has refused to remove it
My Private Education Loan provider, XXXX XXXX XXXX, received payment in full from the assignment of XXXX XXXX XXXX XXXX during enrollment. XXXX XXXX XXXX and XXXX XXXX practice was to fund educational classes with private loan funds and apply student approved Financial Aid to cure outstanding educational balance. All Federal Aid funds disbursed to College was applied to any outstanding balances leaving a XXXX loan balance and should be reported correctly to all three credit reporting agencies.
Equifax has refused to remove fradulent information from my credit report after supplying them with more proof then the creditors are willing to supply reguarding the accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These banks have never sent me a contract to back up their claims and have reported false information as well as information from debts they can not legally collect on in my state, I will be attaching the law for debt in my state.
I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX  XXXX # XXXX XXXX XXXX XXXX  # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.
XXXX XXXX XXXX XXXX has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with Speedy Cash ( the original creditor ) has been paid in full. Speedy Cash is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.
XXXX XXXX XXXX. somehow indicated a debt on my account. I called HSBC at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and HSBC and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.
I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.
XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XX/XX/XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. XXXX back in XX/XX/XXXX ; XXXX the " XXXX XXXX '' back in XX/XX/XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. Now, it is XX/XX/XXXX, and XXXX is at it again, by passing my name to " Credit Collection Services ( CCS XXXX XXXX, '' which has sent me a notice for payment, and has been making incessant phone calls to my number.
In  XXXX , I repeatedly asked for a bill so that I can get caught up on payments of my mortgage fr om Fay Servicing in voicemails and also by talking to different representatives. At one point, I w as told that I would receive a bill in the mail but this was not received. On  XXXX   XXXX , I spoke with a representative and for the first time, was told I needed to request this type of information via email, which I have done. In the meantim e, Fay Servicing has b een racking up fees at a ridiculous rate. For instance, on  XXXX   XXXX  the bill was {$6600.00}. On  XXXX   XXXX  the bill I was told the bill is {$9600.00}, according to the conversations with the  Fay repres entatives. However, I have n't so far received in writing an amount and what date that bill will be good through. In addition, I submitted a loan mitigation application in  XXXX  that I have n't heard a recent status on.  Fay S  ervicing is responding or not responding timely to voicemails I 've left in the past month, while they continue to rack up their high fees. I 'm aware of my rights as a loan mitigation applicant and potential federal RESPA violations that are occurring. In particular Fay is not resp onding timely to my requests for a bill so I can become current with payments. I am in contact with legal counsel on potential federal RESPA violations that have occurred.
After cancelling XXXX I was informed that I would receive a kit to send back equipment but that was never received. Equipment was left with landlord and I no longer have XXXX.
The collection agency is reporting an account status/payment history to XXXX. For example, it notes my payment status as late and has been doing so since 2014. The history section of this history includes 30, 60, 120 days late and the monthly late payments continue to negatively affect my score. 

I called experian to have this removed an told them that collection agencies are not allowed to include this fraudlent information on my account and they said no and pressured me to not submit saying " it would n't get appoved anyway '' and that this was not a law. 

I know that 30/60/90/120+ lates are ONLY in regard to lates on the Original Creditor ( OC ) account. The reporting codes available to Collection Agencies only allows them to provide monthly updates to the Credit Reporting Agencies ( CRA ) as to the current account status as open ( unpaid ), paid in full, paid for less than the full amount, paying under terms. or deleted. 

I want this erroneous/fraudulent/unlawful information removed from my report. They also are reporting this account is " 1-Month '' term and CA 's are not supposed to code that entry that way. 

CA Name : Calvary Portfolio Services
Apparently on XX/XX/2018, " SYNCB/WALMRT '' made an inquiry on my credit history. I did not authorize this inquiry and I am not certain why they would even do such a thing. Would appreciate an explaination of why this was done?
On Tuesday, XXXX/XXXX/XXXX at XXXX p.m. central standard time, I called Equifax at XXXX XXXX the number on their website XXXX to request a credit freeze. The lady that answered gave me another phone number to call ( XXXX ). She had said she could not help me, and that this new number was customer service dedicated to credit freezes. When I called this second number, it was nothing but a recording trying to sell services such as cable t.v., internet, etc. 

At XXXX p.m. central standard time, I called the original number again ( XXXX ). I told the gentleman that answered the phone what had happened, and asked if he could help me. He proceeded to read directly from the web page about what my options were. I told him that I had already read and been through those options, and that now I wanted to freeze my account. He ignored me several times as I was telling him that I had already been through those options, and he kept on reading as if I was not saying anything. He ended the call with a scripted line saying, " ok, you do n't have any questions, thank you. ''
The federal tax lien in amount of {$110000.00} dated XXXX/XXXX/XXXX, need to be removed from Trans union, due to statue of limitation for 10 years from XXXX/XXXX/XXXX when the substitute tax return was prepared XXXX. Thank you.
someone from Equifax called me to resolve an identity fraud issue. Said he needed my social security number. I said he does not need this -- he has my number already. 
I gave him the last 4 digits -- he said he needed the entire number. Not sure of what to do I gave it to him, and then said I would record this call as he was recording my call. 
He said I did not have his permission, and hung up. 
The number that called me was XXXX XXXX. I do not know if this is an actual Equifax number, but I do not feel that the person should have hung up abruptly. 
It was they who created the identity theft/fraud problem. If this is Equifax who called they should at least reference the reason the complaint. 
They called today XXXX XXXX, XXXX at approx. XXXX pm
XXXX XXXX has agreed to buy back! I demand you remove this account from all 3 bureaus while I take bike to dealer.
Collections Consultants of CA incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.
I have contacted Equifax several times regarding an account that does not belong to me and was not authorized by me. I have been a victim of identity theft and provided Equifax with a police report explaining the account was fraudulently opened up. I have also contacted the company directly and they have acknowledged the account was fraudulent and have released me from the obligation of paying it. I forwarded this letter for deletion directly to Equifax along with my police report, social security card, passport, utility bill and cover letter and they continue to inaccurately report this account on my credit report. I demand that they remove this fraudulent account from my credit report. The company has agreed to remove the file from my report, the police report explains I have been a victim of identity theft and Equifax still refuses to remove the account. Account : XXXX XXXX XXXX XXXX
We have been attempting a " Short Sale '' for my client 's property with Ditech Funding for over 1 year. We are working on our XXXX Buyer for the property. Every time we have a Buyer, Ditech stalls or asks for documents in unreasonable time frames. If we do not get the documents within the time frames, they cancel the file and make us start over. When we are able to get the documents within the time frame they always turn to value, which they have {$40000.00} over actual market value. Bottom line is they are unwilling to professionally work out a reasonable short sale for my client and I feel they have broken many laws and regulations in the process.
I was charged for a cash advance before XXXX and Discover can not till me when it was authorized because they can only go back 7 years. This account has accrued interest 28.99 % to a balance of XXXX. They have shown a cash advance balance of XXXX in XX/XX/2011 they said that's as far as they can go back. I never had a cash advance during the past years I have made purchases but no cash advance. Now the company tells me my balance of XXXX is related to a cash advance and high interest of 28.99 % for a cash advance that I never made no purchases included. I have spoke to them several times in the past 140 days and also the fraud department twice with no resolution and they cant show me where the cash advance came from because they stated that they can only go back 7 years. I spoke with them again today and spoke with XXXX in Ohio and she would not give me her id number. Please help with this. In reality there will be no way I can pay this amount.
I have an account with synchrony bank for my XXXX account all of my previous purchases had promotional periods on the last one I had paid off the promotional payment, synchrony used a portion of that to apply it to my payment that month, I did not realize what they had done and did not make a payment, then I realized they were charging me a huge amount of money in interest I called then they put some of the money back but not all of it and they refused to fix the last amount and are still charging me interest.
To Whom This May Concern, I received a call from Kohl 's on XXXX/XXXX/XXXX that I was late in making a credit card payment. I was surprised because I never received a payment statement in the mail. I was told I signed up for email statements ( which I do not recall ) and doubt I would have intentionally agreed upon. However, I receive numerous emails from Kohl 's daily and do n't even read them because they are advertisements and I could have easily deleted an email statement as I was not expecting one. I intentionally do not accept email statements because I like to have my statements delivered in the mail so I can keep records of all bills/transactions in a file. Furthermore, I also generally only use XXXX credit card so I apparently I inadvertently forgot that I had actually used the Kohl 's card for a purchase. I paid it immediately when I got off the phone after the call. I was only contacted on that one occasion about the late payment. Looking back, I believe that I made a purchase in late XXXX or XXXX. However, I do not know for sure. I have requested that information and I was told that due to my closing of the account they can not see that information but will have it sent to me. I later found out that my credit report had been damaged from this one and only incident with Kohl 's. I had a credit score of XXXX before this and due to XXXX misunderstanding my credit score is now only XXXX. I tried to rectify the situation with Kohl 's but they will not work with me. I have had a relationship with Kohl 's since XXXX. I am sure you can see this is not typical behavior of me and I am asking to have this incident removed from my credit report. I appreciate you looking into this situation for me. 
Thank you for your time!
I have contacted Wells Fargo in attempts to clear up a 30 day late payment that has been added to my credit report. The account is current, and I informed them that I attempted to set up automatic payments that apparently did not go through for that month. As soon as I noticed the issue that payment was made, and I called to make sure that the automatic payment service was set up properly. I spoke with a Executive Resolution Specialist with Wells Fargo in attempts to resolve problem, and have the 30 day late removed. In turn I was treated extremely poorly. The " Specialist '' was very rude, demeaning, and belittling. He refused to listen what I had to say, and made no attempt to help work with what I would think a valued customer. I am very disappointed in the so called service that Wells Fargo has provided.
Upon receiving a credit denial letter from  Nationwide Northwest LLC I was concerned since I had not applied for credit and I checked my credit monitoring service to find I had an inquiry with this company which was labeled for  " auto loan ''. I did not ask for an auto loan or give this company authorization to pull and check my consumer credit report. I found that someone had used my personal information on the internet to apply for loans online. Upon notifying this company in writing with a certified letter which was received by their company on  XXXX . They responded to my letter stating that they received an electronic application from  XXXX   XXXX , and despite me not applying for credit with this company, and  Nationwide Northwest LLC not providing any evidence or documentation that I did in  fact provide authorization to have my consumer report pulled they are refusing to remove the inquiry.     I have sent a second letter and demand in hopes they will honor the rights and protections afforded to the public under the Fair Credit Reporting Act as well as the  Federal Laws.  I have asked that this unauthorized inquiry be removed immediately.
I have been contacting SYNCB, who appear on my credit file as SYNCB, SYNCB/XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX   report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. And it is listed on my XXXX  report with a date of XX/XX/XXXX. Neither of these did i authorize or give permission. they are a result of fraud.