WillisBack/dataset-financial-user-claim huggingface dataset:
TO WHOM IT MAY CONCERN, I RECEIVED A LETTER IN XX/XX/XXXX FROM THIS COMPANY STATING THAT FOR A REDUCED SUM OF {$310.00} THEY WOULD AGREE TO ACCEPT THIS AMOUNT AS PAYMENT IN FULL FOR THE ACCOUNT BALANCE FOR A COLLECTION ACCOUNT AMOUNT FOR XXXX XXXX XXXX. I CALLED THE COMPANY IN XX/XX/XXXX AND SPOKE WITH A REPRESENTATIVE AND ADVISED HIM THAT I WOULD LIKE TO GO AHEAD AND ACCEPT THE OFFER AS PRESENTED, TO RESOLVE THE COMPLETE ACCOUNT BALANCE FOR THE SUM OF {$310.00} AS AGREED UPON TO SETTLE THE DEBT. THE CUSTOMER SERVICE REPRESENTATIVE COMPLETED A RECORDING OF THE TRANSACTION AND WE AGREED TO PAYMENT TERMS OF THE {$310.00} FROM MY DEBIT CARD.THE PAYMENT WAS PAID DIRECT ON THE DEBIT CARD AND PAYMENT PROCESSED TO THIS COMPANY SUCCESSFULLY. THE COMPANY NEVER COMPLETED THE FINAL TRANSACTION TO DELETE FROM MY CREDIT REPORT AS AGREED ON RECORDING FOR THE SETTLEMENT AMOUNT. WHEN I CONTACTED THIS COMPANY TO FIND OUT WHY THE THREE MAJOR CREDIT BUREAUS ARE REPORTING FROM THEIR COMPANY INACCURATE INFORMATION, BECAUSE THE AGREEMENT WAS AS LONG AS I PAID THE SETTLEMENT AMOUNT THE COMPANY WOULD REMOVE IT FROM MY CREDIT REPORT. I WAS TOLD THEY RECEIVED A LETTER PRESUMABLY FROM ME ADVISING THAT I WAS NOT GOING TO PAY THE DEBT AND THEREFORE THEY CANCELLED THE FINAL PAYMENT SCHEDULED TO COMPLETE ON XX/XX/XXXX. I PERSONALLY NEVER SENT A LETTER TO THIS COMPANY ADVISING THEM THAT I WOULD NOT HONOR THE PAYMENT AS SCHEDULED TO COMPLETE ON XX/XX/XXXX. I NEVER RECEIVED A PHONE CALL OR VOICE MAIL MESSAGE REQUESTING I CONTACT THEM TO DISCUSS THE LETTER THEY RECEIVED FROM SOMEONE AND TO CONFIRM THAT I WAS REFUSING, AFTER INTIALLY AGREEING BY PHONE RECORDING IN XX/XX/XXXX MAKING THE FULL SETTLEMENT AMOUNT AS AGREEED. THIS ERROR BY THIS COMPANY IN NOT PROCESSING THE DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT WHICH THEREBY WOULD HAVE CLEARED THE DEBT I CAN NOT GET A FEDERAL JOB TO SUPPORT MY FAMILY AND TO PURCHASE A HOME. THE Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. THEY CONTINUED TO REPORT THE DEBT TO THE BREAUS ALTHOUGH THEY STATED THEY WOULD REMOVE THE PAID ACCOUNT. I HAVE ASKED FOR A COPY OF THIS LETTER THEY RECEIVED FROM SOMEONE STATING THEY WERE DISPUTING THE DEBT. THE COMPANY FAILED WITH IN THIRTY DAYS TO PROVIDE ME WITH VERIFICATION OF THE DEBT AND TO ADVISE THEY WERE CANCELLING THE AGREEMENT IN PLACE TO RESOLVE THE DEBT UNTIL THE VERIFCATION PROCESS WAS COMPLETE. IF THEY BELIEVED A LETTER WAS FROM ME, THEY STILL SHOULD HAVE REACHED OUT TO ME AFTER TAKING MY PAYMENT AND AGREEING TO REMOVE THE ACCOUNT AFTER THE PAYMENT CLEARED AFTER REIVING A LETTER THEY CLAIM I SENT. I ASKED THE REP TO SEND ME A COPY OF THE LETTER ; I ALSO ASKED IF THE LETTER THEY RECEIVED HAD MY SIGNATURE HE DECLINED TO ANSWER. I WAS TOLD BY THE REP HE WOULD ONLY READ THE LETTER TO ME AND REFUSED TO PROVIDE ME WITH A COPY OF THE LETTER.
A girl by the name of XXXX XXXX that I knew only from social networking via XXXX said she works for " XXXX '', an investment company that you can collect unclaimed taxes from. The deal was to MoneyGram her company XXXX $ and in return I would get XXXX payments of a total of {$5300.00}. I do n't know why I believed her but I did and I sent her the money to Illinois under the name " XXXX XXXX '' and shortly after some text messaging correspondence I never heard from her again. I just want my money back and I 'm doing anything I can do get it back. I have attached all supporting evidence I have. Thank you.
The four major credit bureaus, XXXX, XXXX, XXXX, and Experian are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX  in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.
I wrote in  XXXX  with specific issues I wanted the credit bureaus to investigate. They never investigated. Never responded at all. None of them!
more then 2 or 3 years ago I did a online payday loan and paid it off right away, now within the last year I have some one e-mailing me asking for payment not sure if its for the same one or something different they wont give me any info about it I have not received any loan from them since I paid the other off. 
main creditor is ACE CASH
My mother was in the XXXX XXXX XXXX in XXXX, Ohio after XXXX. She left the facility in 2013 after having paid in full all personal expenses ( private room, telephone ) that were not covered by her medical insurance. Months after her discharge the facility sent her a bill for {$560.00}. She repeatedly sent them copies of the 'paid in full ' receipt. After more than two years since her discharge XXXX XXXX has evidently turned collection of this {$560.00} over to Fairway Capital. A caller phoned my mother several times a day for a week and, because she is XXXX, he evidently became frustrated and very nasty. Mother gave the caller my name and phone number. XXXX XXXX XXXX called me on my cell phone twice last week during work hours leaving a voice mail message claiming he was from Fairway Capital calling to collect {$560.00} from my Mother. When I returned the call I attempted to explain this is no debt as the expenses were paid in full, and I offered to provide proof of payment. XXXX XXXX XXXX said there was a debt and it needed to be paid in full or actions would be taken against myself and against my Mother.
In mid-XX/XX/2016, I was sent a credit collection letter for rent payment from multiple credit collection agencies. This was a week since I moved from the property. I received a phone call from XXXX XXXX XXXX, stating that they owned the debt. I notified the representative that her information is incorrect, as I have been already been contacted by two other parties. I kindly asked that NCS send a formal letter showing proof of the debt, with records. This is based upon the FCRA Act. I never received a correspondence. The representative called back less than a week later, where I stated, that everything needs to be in writing, and I have 30 days to reply. 

On XX/XX/2016, less than 30 days, with no written correspondence. The representative placed the debt on my credit report, without my knowledge. The representative seemed to have taken my request for information and knowledge of the FCRA Act as a personal challenge. This was without providing adequate proof of the said debt, and knowledge of other agencies requesting debt collection. 

I have disputed the item on credit report. NCS took it off and placed it back in less than 48 hrs. This is unethical and unprofessional.
Back in XXXX i was involved in a motorcycle accident. I did have insurance which paid my medical, however several items were not paid due to incorrect coding. As a result they went into collection. They were all for XXXX XXXX XXXX in XXXX Ohio. When they were sent for collection they went to an attorney, They were marked individual but when they were paid it was one lump sum. which we paid to the attorney. I should add that it had gone to court. Because we had moved we never got a notice so there was a judgement, which was paid in full..I have a notice from the court and the attorney that shows it was paid. This was back in XXXX of XXXX. All of a sudden in XXXX of XXXX one of the amounts owing shows up on my credit report {$560.00}. I called HMC which ids the collection agency that now has it and explained to them that it was paid. They disagreed so I filed a dispute with experian.I informed them that I had even contacted alliance hospital which she had trouble locating the debt since the XXXX had turned it over 4 years ago. But she showed no such amount owing. I contacted the attroney 's office who handled this. When this debt was paid the credit bureau was not notified. Since the amount paid did not match any invoice ( as I said, there were 5 different invoices that equaled XXXX which I am sure includes interest ) The hospital said the account was closed. Somehow XXXX of the invoices from this group that amounted to XXXX which is listed on the invoices that were paid. It somehow was shuffled off ( I get the feeling that the hospital was not notified in a timely manner, therefore may have been passed on to someone else for collection. Which I found out had indeed been passed on. Several times over the years. This HMC however decided that after 4 years they would list the debt as owing and all but destroyed my credit. I have asked them to show proof as I did with with XXXX. I faxed XXXX the court document and letter from the attorney that it was paid. All they did was send dispute results back stating that it will remain on my report. Nothing from the hospital, nothing to back up their decision other than what they said. This is horrible, how do these people get away with this. The hospital didn't even know who HMC was as when the original debt was placed in collection, it was through an attorney. Don't they have anything better do do than to ruin the lives of honest hardworking people who are trying to get by. It's a wonder that so many people do things under the wire..trying to do them right is quite obvious to no avail. I have the receipts and court documents showing this was paid. It is actually a few dollars more with the added interest. I have absolutely no confidence or trust in our credit reporting agencies. The seem to have carte blanc in what and how they do things. All I want is for this XXXX that they claim is owing taken off my report. An apology from experian I'm sure is a pipe dream but worth mentioning. I do hope that the CFPB can help get this resolved. 

Respectfully, XXXX XXXX
I purchased XXXX $ in furniture from a store that stated 90 day no interest and 20 % interest after the 90 days I filled out a credit app and the store stated I was approved for the XXXX left the store with my new furniture and a store receipt were the store employee wrote my account number on it and a phone number to call if I had any questions when I called 9 months later after paying XXXX per month the company that answered my phone call was American first finance and stated to me that my contract stated 120 % interest and my remaining balance was XXXX I never signed a contract at the store so I requested a copy from AFF and when I received it I discovered my signature had been forged on the finance contract and obligated my to terms I knew nothing about I filed a police report and submitted everything to AFF fraud Dept and the stated it was not fraud and still call me everyday requesting payment and refuse to try to work out this issue
Over the course of the past decade, I have sent Portfolio Recovery Associates multiple certified letters regarding harassment for non-existent accounts. I continue to be harassed at my home from the following debt collectors : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I currently do not have any accounts in default status.
I 've had a secured account for years, and among other issues, i 've recently tried to close my account. It is secured with a {$750.00} deposit through a local credit union who uses Elan Financial Services as a provider for the cards. I have paid my balance down to {$750.00}. In other words, my deposit and my balance bring our relationship to a {$0.00} sum. I told them i wanted to close my account over the phone. They told me since my account is secured, I needed to provide information in a letter, faxed to a given number. That number is no longer in service. I called back and they appologized and gave me a XXXX number. That number will not accept faxes. The rep explained to me the numbers should goto the holding facility for deposits ( the credit union ) located in another town. I went to the local credit union and spoke with several member service reps and " higher-ups '' and they were all agreed that was non-sense and they never heard of such a thing for secured accounts, that the money is sent to Elan for holding, not them. Elan called me about XXXX2 days later and told me account was past due. I told them I am trying to close the account. That the left hand was sending me to them and they were sending me to the right hand. I spoke with a supervisor, she asked me how long ago I sent the faxes. I spoke out loud as I worked out the day of the week. While I was doing that they hung up on me. About another XXXX3 days went by and they called me for collection efforts. ( my balance is still at {$750.00} out of {$750.00} ) I re-explained to the rep how upset I was for them intentionally making this so difficult for me to close my account, I warned them if they not provide a good functional way for me to close my account I would file a formal complaint. He apologized and told me he had no idea what the other XXXX phone numbers were, that they were XXXX wrong and gave me a XXXX fax number. I told him stay on the line with me, I am at the fax machine at work and we will do this together to make sure it works. I tried to send the fax, but it failed ( no response ). I told the rep on the phone this and he said it is the main fax line and they are usually XXXX people trying to send faxes at the same time so to keep trying. I Tried a second time and received the same failed " no response '' error. On the third try I told the rep, ok I 'm trying a 3rd time now, there was silence, I looked at my phone, he had also hung up on me. He had mentioned there was an address I could mail the letter to, but did not give me that address before hanging up on me. I checked XXXX or XXXX different Elan Financial websites I could find to find the card issuer agreement which should contain the address/fax but they apparently do not publish it online. I would have to call in again and possibly be led in a loop. I feel strongly they are intentionally obscuring the process, and or preventing me from closing my account. I have been in contact with them for the last 14 days of which they have not been willing to provide a resolution.
I am not sure if you guys can pull up an old file on your end. I opened a complaint roughly in XXXX of 2013 regarding to State of Ohio Office of Attorney General. They were sending simple letters with no proof of validation of the debt I supposely owed. This was also, I believe through General Revenue Corporation as well. They are both combined. 

Well here I am again. State of Ohio Office of Attorney General had made another comeback for what I do not owe. I do not have a clue. I have already sent them the validation request for the XXXX time and I am sure they are not going to provide that. XXXX times of trying in the past. Seems to be cumbersome to do this again. This is causing stress, problems with my family and friends. If you can pull up the old file, that would be great. I will try to find the old case number for it and see if you can pull it up, if I am lucky. 

I have already talked to my Attorney General and he said if it happens again, I can let him know. Which has been hard to get through sometimes. 

Also, the letter has provided XXXX different addresses including Ohio State and General Revenue. Which seems to be surprising. 

Why is it so dang hard to just give me the original paper work? I could admit to it if its mine, or deny it. Just giving me numbers to call, a balance owed and an account provided does n't help me. 

I feel harassed.
The mother of my grandson, XXXX XXXX, rented a home from me at XXXX XXXX XXXX, XXXX XXXX Michigan from XXXX XXXX XXXX XXXX XXXX when she left suddenly and moved back to XXXX. During the time she rented, she apparently installed XXXX cable in the home, and put it in my name without my knowledge or permission. She had access to our home and personal information as the mother of my grandson and a " family member '' of sorts. When she left the home on XXXX XXXX, there was a bill with XXXX in the amount of {$440.00}. I was not aware of the bill until a subsequent tenant gave me a copy of the bill being sent to that home, in my name. I immediately called XXXX and was given the name of a collection company named XXXX that I was to contact. I completed a fraud packet with Convergent as well as a police report and I was told the bill was removed from my credit. Subsequently, XXXX engaged the services of another collection company named Credit Management. Once again I completed a fraud packet for credit management and attempted to have the debt cleared. I later learned that XXXX refused to remove the debt, and in order to close on my mortgage loan I was forced to pay XXXX {$440.00} on XXXX XXXX, XXXX. I did so under duress, because I needed to close on my mortgage loan, and do not understand why they did not acknowledge all the proof I had that this was not my account. I never lived in the home on XXXX XXXX, and I never requested cable and internet service to be placed in my name at that location.
i pay to a collection agency back on XX/XX/2015 and a new collection agency is taking me to court. I submitted prove of payment
MY LOAN WAS WITH SALLIE MAE, NOW NAVIENT. I BELIEVE THERE WAS ALOT OF FRAUD
I placed a loan with this company for {$300.00}. I agreed to repay at a rate of {$130.00} per month for ( 3 ) months. One ( 1 ) payment was taken out of my checking account at XXXX XXXX XXXX. Then I notified this company and informed them of the problem, ( I had to close the account due to other identity theft problems with the credit union ). I agreed to pay the balance of {$280.00}, but they kept insisting that I owed them {$610.00}. Now they're trying to sue me wafor {$920.00}. They are loan sharks and I do believe that I am not the only person that has been decieved in this manner. I believe that this company should not be able to get away with highway robbery.
I joined the XXXX, upon graduation from college in XXXX of XXXX. I reported to basic training on XXXX XXXX of XXXX. Prior to entry on to XXXX XXXX, I contacted XXXX XXXX, then my student loan service contractor. I told them I could not pay the monthly payment of {$1200.00} a month and told XXXX XXXX that was reporting for active service. At no time did anyone suggest that I apply for an income driven repayment plan, which I found out a month ago, would have been my best option, as the payments would have been small, affordable for an XXXX, and would have counted towards the 120 payments for public service loan forgiveness. 

I was encouraged, on that phone call, to place my loans into long term military deferment. At no time during this conversation was I ever told my loans would capitalize. At some point, my loans were transferred or purchased by Navient. I was not made aware of this until one day a few years ago, possibly in XXXX, that Navient had taken over my loans. 

At no point in that written correspondence was I made aware of income driven repayment options. 

It was not until XXXX XXXX XXXX, a XXXX XXXX XXXX, came to my battalion formation and spoke about XXXX and income driven repayment that I came to be made aware that my loans had now ballooned to over {$100000.00} in the last 7 years. 

Had I been given the correct information 7 years ago, I would have been in IBR, and then REPAYE, and been 3 years from PSLF. Instead, I am facing the crushing realization that I have yet to make a single payment towards PSLF which would otherwise be happening in about 3 years.
I made a big payment payoff ( {$17000.00} ) on a balance transfer that the promotional 0 % APR expired after I made a previous balance transfer with a 0 % APR. The lender applied the amount to the new promotion instead of the higher APR balance transfer causing me to continue to pay interest. I was then told that I had a business credit card and I am not a consumer and the credit card act of 2009 does not apply. However, no company information was given to them or even verified and only my personal information and credit history was used to establish the card. All they did was simply put the name of my business on the front of the card. I asked for documentation where I can read the disclosures information but no response was given. 

I feel this is a deceptive trade practice in order to get around the credit card act of 2009.
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at 15 U.S.C. 1691 et. Seq. ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. 1681 ). 
Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California Gov't Code 27201 et. Seq. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. 
Because of this discovery we have demanded that the trustee cancel TS # : XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. 
I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, " XXXX '' is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. 
A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX v. Superior Court ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX v. XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by QLSC. XXXX was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. 
It is in criminal violation of Cal. Penal Code 115.5, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. 
After receiving no response from XXXX XXXX XXXX XXXX, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.
We submitted all our info and got preapproved. Completed application and all. Our broker thus decided to change jobs, he pulled our application and we have XXXX deposited with our builder and no longer have a mortgage. NMLS # XXXX We were due to break ground next week.
I was in collections in 2013 with Diversified consultants, a collector for XXXX. 
Apparently it continues to show up as an unpaid debt with XXXX which is incorrect.