WillisBack/dataset-financial-user-claim huggingface dataset:
I have tried several attempts to get this account deleted and removed from my credit report. On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I again was notified by Capital one and Credit bureaus had verified the account. I obtained a vehicle loan XXXX and paid it in full and it was closed as per the report in XXXX. I have requested all documents on this account and it was not produced in over XXXX days to verify this account. The first delinquency was XXXX XXXX and since this account is paid and closed I have asked that it be deleted and removed completely from my credit report being that it is outdated and the company did not respond with the asked for information in the time allowed. I had spoken with a customer service rep that stated he would fill out the form for deletion of the account required and that it would be removed from my credit reports This has not happened, some are still reporting payments from the day I opened this account.
The collection files are third party accounts that are from Fraudulent creditors ( XXXX # XXXX & XXXX ). The account was removed for fraud in XX/XX/2014 I do n't know how the accounts was resubmitted to my report. The accounts should be deleted immediately.
XXXX XXXX XXXX XXXX IS MY BOA CREDIT CARD. I CAN NOT GET THE LAST 2 STATEMENTS. BOA DOES NOT RESPOND. BOA IGNORES THIS REQUEST. BOA REFUSES TO ANSWER.
I have called equifax to see why i have good standing accounts that are not being reported, i have contacted the companys first to make sure they have been and they have replied back that they have investigated and are for sure reporting accurate information. But when i contact equifax they tell me to contact the companys again in which i have done so but still have the same outcome
Portfolio Recovery is continuing to collect on a debt that was a result of identity theft but recently when I sent a formal dispute by mail they verified it as accurate. I contacted customer care and spoke with  XXXX . She admitted that she could n't help me with this account because it was sold to a law firm called  XXXX   XXXX   XXXX   XXXX . If that 's the case how can they continue to verify it as accurate with the credit bureaus and continue to currently report the debt under their company name on all  XXXX  bureaus.this is a violation of the FDCPA. They must remove their name from my credit report because they and the law firm ca n't collect on the same debt at the same time for an old  XXXX  debt.
I am requesting the financial outline to submit a full modification package to PNC Bank, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.
i checked my report and noticed an account from XXXX XXXX for XXXX still remaining that i paid and was promised it would be deleted.
XX/XX/2018 was told that idr plan would better match the amount needed to match the interest accruing. Due to maternity leave my income had drastically cut my payment on paye, and I wanted the payment requested to match amount paid for tax purposes. I switched plans and requested not to have a forbearance, and to pay as scheduled. XXXX came and no payment was billed or taken out. I called repeatedly to get this fixed so I could pay. I was told that i couldn't pay unless they took the forbearance off ( which I never asked for, and requested against ). They took it off so I could pay, compounding my interest without my awareness. In XXXX I noticed, and called often, trying to determine why this even occured. I was told in XXXX they could take the forbearance off, which would get rid of the fee. They took the forbearance off, leaving the fee. I called for 2 months waiting for this to be fixed, and was told that they would not be refunding my account although I never asked for the forbearance to begin with.
This company is illegally reporting on my credit that i owe on a debt that i do not owe. The property management company they are claiming i owe money are all currently in jail for Fraud and for illegally charging fees. My dad and i were one of those victims. My dad filed a complaint with the State Attorneys office about this Exact account. Magically the debt WE DO NOT OWE was removed from all his credit reports. It was also removed from 2 of mine. But they are still reporting on XXXX  credit bureau that i still owe this debt and i do NOT.
My medical bill is actually from federal workmens comp personal injury with XXXX XXXX

So the collector sued me and my husband but we never got the summon. I had to go down to clerk downtown and get copies of of declaration of service and funny they said we my husb and i accepted its XX/XX/2016 at XXXX XXXX.. a Monday.. well only the dogs are home at that time of day. also its my debt. For my personal injury. Why are they suing my husband. I have insurance with VA. And we also have his. I sign the paper that i will be responsible for the bill. Also, the same bill is Also being mitigated in superior court for XXXX.

It has been there for a while. So in the end the collectors will get 2 payments! They wont work with me either to pay it off.. and since i am XXXX XXXX XXXX cuz of my XXXX from the service. This XXXX started yelling at me and calling me rude and he said he will flag all my calls because i am just wasting their time.
We are desperately trying to stay in our home, but we feel that Chase, as our lender, is not honoring our very drastic circumstance, not properly evaluating our evolving situation, and privileging their profit over our welfare. 

We do not have enough space here to explain our very complicated situation. Our explanation keeps being " truncated '' by your system. Therefore, we have added our explanation of what happened in Section # XXXX, " Product Information '' as attachments.
XXXX Initial correspondence sent to Credit reporting agency Equifax , XXXX , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of information.
I am filling a complaint against Experian and XXXX XXXX XXXX for incorrect reporting. 
I had a XXXX XXXX XXXX  charge card that was Charged Off by XXXX XXXX XXXX on XX/XX/XXXX. This account was then transferred to XXXX XXXX / XXXX XXXX on XX/XX/XXXX. I paid XXXX XXXX on XX/XX/XXXX, and the account was settled. 
On XX/XX/XXXX I had disputed through Experian that XXXX XXXX XXXX  had not updated that my balance was now zero. The dispute came back where they updated the balance, however in addition they reported the account Charged Off again, Negative Payment and Failed to Pay resulting in new late payments and credit score to drop 20 points .On XX/XX/XXXX, I disputed again there reporting was inaccurate and I wanted it corrected. The results came back an additional Charge Off and Failed to pay, resulting in my score to drop another 14 points. 
On XX/XX/XXXX, I tried one last time to dispute after I spoke to an Experian dispute specialist and he assured me XXXX XXXX XXXX   reporting was obviously not accurate but they had to update according to what they report. Once again it was reported as a new Charge Off and Failed to pay causing another 14 point drop. The results were reported as unchanged. 
I tried writing directly to XXXX XXXX XXXX but they told me my account was closed and transferred to XXXX. How can XXXX XXXX XXXX  report negative when they have no right to this account since XX/XX/XXXX. Finally I spoke to another Experian dispute specialist and he called XXXX XXXX XXXX  while I was on the phone. He verified that I was correct but because this account was transferred, he could not correct my credit report. 
This has resulted in multiple negative reporting that is not accurate.
There is a tax lien on my credit report with Equifax. It is not mine. I have the same name as my father. They are confusing me with someone else. I contacted the IRS AND STATE CONTROLLER OFFICE and confirmed that this does not belong to me. I disputed this with Equifax and they are continuing to report this on my credit. The IRS stated that they never verified anything like this on me to Equifax and that they do n't do electronic verification.
Equifax failed to respond to my dispute on this error. it has been past 90 days
Experian DID NOT verify the information into XXXX XXXX XXXX remark on my credit report. They didn't verify the date that it was opened, they DID NOT verify the address and signature on the application, they did NOT verify the status, all they did was say it was updated. 

PER the FTC that is NOT a proper method of verification. Again, I have NO signed contracts with XXXX XXXX XXXX, the address they supposedly verified I never lived. So, how can they verify the information. Name and JUST SOCIAL SECURITY NUMBER? I thought when you applied for credit, you had to also put the address you resided in addition to your name and social XXXX XXXX XXXX - Account Number - # XXXX
I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.
I received a cashiers check for XXXX After depositing, I waited several days for it to clear. It cleared. I then spent the money. 2 days after my bank said it had cleared, it was returned, and now I am in serious debt.
This debt is placed in collections on my credit report under Monterey Collections, they say I owe them {$560.00}. As I never signed a legally binding contract with that collection agency. I disputed this debt with all 3 credit bureaus and wrote the address listed on my credit report asking them to validate the debt with them by sending a contract. They have since then, sent me emails, sent a contract and are now calling and leaving voicemails on my phone. I have since then responded and asked that they only communicate thru US mail, as debt collectors are very aggressive and rude people. I then got another repeated email from this company as soon as I hang up the phone. ( shown in the proof ). They sent a contract thru the mail, which has an e-signature on it, they say I signed for, and address that I do not live at and a social security number with X 's followed by 4 number in which they claim is my social and the original contract that I signed. The contract also says that I agreed to pay XXXX XXXX XXXX and or their successors ( which I am assuming are them ). When I try to look over the original contract in my email, I see that they have disabled the original link with the ORIGINAL contract on it. This contract also says that I agreed to pay the state of DELAWARE, this collection agency is out of XXXX, CA. I reside in North Carolina. I owe no one in California. I am asking for the original contract, an authentication or proof that the alleged e-signature is in fact mine. As I am not obligated to pay back money under a FORGED/edited contract. I feel as though I am being manipulated into paying a credit company that I have not signed a contract with. They are threating to take legal action against me, but have disabled the link showing the original contract so that I no longer have access and have instead sent me a typed up contract. 
They keep saying that I had 30 days to respond to the original debt notice sent but they don't even have my correct address on the alleged loan contract. They only have my current address because I wrote them FIRST.
I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. 
My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. 
I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. 
My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. 
I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. 

I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. 

Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP.
Last year, mid XX/XX/2018 I walked into a XXXX  store, told them I was done with XXXX, paid off my complete bill and phone, and went to XXXX. A few months back another company tried to claim I owed XXXX money. Now I see Diversified Consultants is claiming I owe a debt that I had already paid in full. 
This debt is not valid and I demand to see proof that it is owed. I demand to see proof that I have not already settled this account, and that my last large payment was not all the money owed at the time I paid it. 
I need to see the original signed contract otherwise this mark against my credit needs to be removed immediately. 
This is affecting my current credit score greatly, and it is very upsetting to have to deal with this again.
Comenity bank will not credit my payments to account.. I want them to credit my payments so I can close account
On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing 31-60 days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.15 U.S.C. 1681. And they are violating 623 section 3 and 8. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.
I purchased XXXX item on XXXX/XXXX/2016 using my BEST BUY credit card which is managed by CITIBANK. I do n't use the card that often so it 's not a bill I get on a regular basis. About a month after my transaction, I realized that I had not received a statement. I went online and found out that I had been switched to paperless billing against my knowledge. The bill was due that day so I used my bank 's online bill pay to pay the balance in full. I contacted CITIBANK and told them that they never sent me the bill and that I had paid the balance in full. Another month went by and I did not receive a statement. Since I only get statements when I have a balance I assumed everything was fine. An email was sent a few days later stating that I needed to pay my bill. I checked my account online and saw that I had been charged a late fee. I contacted CITIBANK and contested the late fee and told them again that they were in error. I thought the issue had been resolved. A week ago, I checked my account online and CITIBANK never took the late fee off and they charged me another late fee for not paying the first erroneous late fee! They have charged me XXXX late fees for XXXX transaction that they never billed me for! The bill was electronically paid in full the day that it was due. This has been going on now for three months. They have started calling me multiple times to pay these late fees. 
CITIBANK : 1. Switched my billing preference to paperless against my knowledge or consent. 
2. Never sent me a bill ( three months later and still no bill ) 3. Even though I paid the bill in full when I realized their error, they still charged a late fee. 
4. Charged an additional late fee for not paying the first late fee. 
5. Harassing me every day to pay these bogus late fees. 
I have excellent credit. I pay my bills on time and work very hard. I am sick and tired of companies taking advantage of people. I believe that CITIBANK intentionally switched me to paperless against my knowledge. I will not pay these fees! My balance should be zero on this card.
MUTUAL MANAGEMENT SR ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MUTUAL MANAGEMENT SR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MUTUAL MANAGEMENT SR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I applied for for federal public service loan forgiveness program. I thought I had approx. 3 years left of loan payments only to learn that I haven't made one qualifying payment from the loan servicer customer service rep, with no recourse to help me understand what happened or why I never qualified, even though I've worked in XXXX and XXXX for the last 15 years.
Hello. I owned a home ( XXXX ) back in XX/XX/2013. The home went into foreclosure. I packed up all of my belongings so that I could pick them up before the locks were changed. When Chase informed me that the locks had been changed and gave me the passcode to the drop box, I found that the vendor that changed the locks stole personal items. Chase told me I had to file a police report. The Police could not come out to make the complaint because the mortgage company no longer allowed me access to the house after that. I do not know where else to direct my complaint to since it is difficult contacting Chase.
In XXXX of XXXX we purchased a home in XXXX, Ohio. After we had lived there for about a year, we discovered that we had bought an " over-inflated '' home. Although it was over-inflated, we continued to make payments. The private owner that we were involved with processed a shady loan for us. During this time ; not only did our loan get sold three times but the payments increased nearly three times than when the lloan first originated. The broker did jail time when all the loans got investigated. This property has sold twice since XXXX. But yet there is a {$30000.00} loan balance that a loan company inTexas is reporting us " late '' every month on our credit file.
They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.
I have been paying towards my principal amount for a couple of years for a loan that has an original balance of {$6800.00}, interest rate 4.25 %. My current balance says {$6700.00} and when I look up payment history, one year alone has about {$300.00} towards principal amount.
On XX/XX/XXXX I was continually being called on the telephone and harassed for a Student loan debt. 
I was a XXXX at XXXX XXXX. I have been unemployed for several months. I do not receive unemployment or any monthly compensation. On XX/XX/XXXX I responded to XXXX and XXXX XXXX XXXX   requesting to put my loans into no interest earning forbearance. Neither Company responded to my request and refused to contact me I contacted ACT concerning who is handling my loans. Instead I was sent a threatening Garnishment letter. According to the FCRA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them.