WillisBack/dataset-financial-user-claim huggingface dataset:
Fair collections and out is re-aging an old debt for the amount of XXXX. It is hurting my credit worthiness. It is stating that the account was opened on X/XX/12 and that is untrue, nor does this company have an active license to collect any debts in the state of Washington. This is an illegal practice and I would appreciate if it was deleted from all major credit bureaus immediately. I have called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve
This complaint involves XXXX XXXX XXXX. 

Approximately in XX/XX/2015 I noticed an advertisement from XXXX XXXX XXXX to consolidate my student loans and place me on an income-driven repayment plan for three payments of {$200.00} for initial processing and subsequent monthly payments of {$39.00} to maintain my paper work. I thought the {$39.00} a month was going towards my student loans but what actually happened was they placed my loans in forbearance. I did not realize this until I received an email from XXXX XXXX stating that my loans were delinquent and that I had accrued nearly {$500.00} in interest over a two year period in which I hadn't made a payment.
Following is a copy of my most recent letter to Nelnet : I am writing to you again to ask that you PLEASE SPECIFY WHAT YOU NEED FROM ME to show that I qualify for student loan discharge because I am on XXXX. 
I have sent you everything you asked for ( over and over and over ) and you still deny me saying you did n't get the documents. And it 's funny that as soon as I send the requested documentation ( sent them three ( 3 ) times ), you send me a letter saying you did n't them. 

I want you to BE SPECIFIC about what you need from me to qualify. If the document has a number or specific name or alpha-numeric number, please specify! 

I WANT THIS MESS CLEARED UP because my credit report is still suffering!!! We have been working on it since XXXX of XXXX ( over a year! ) and the letter states it could take up to 30 days. It has been over 325 days and that 's ridiculous. 

Also, when you recently ( XXXX/XXXX/XXXX ) bought or overtook my student loans, it shows on my credit report twice, ( which now totals the same amount three times! ) and INCREASED MY STUDENT LOAN DEBT BY {$6300.00} AS STATED ON THE ATTACHED SNAPSHOT OF MY CREDIT REPORT. Now it 's showing I owe over {$9000.00} in student loans and I actually only owe a little over {$2500.00}! Please correct my credit report duplications ( again ) which we have been working on for over a year! I only owe XXXX SET OF ( XXXX ) small LOANS, NOT XXXX! 

If you ca n't get them either dismissed ( as they should be ) or correctly listed on my credit report within the next 30 days, I plan to write your superiors and they will track who was supposed to handle this and handle it correctly. 
XXXX XXXX XXXX ; DOB XXXX
In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay.
I am being sued by Midland Funding LLC for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  XXXX   XXXX  in  XXXX    XXXX  .
OnXX/XX/XXXX XXXX XXXX arrived in XXXX XXXX and made a cash withdrawal at the International Airport. 
A second cash withdrawal datedXX/XX/XXXX appeared on our account allegedly from the same ATM at the international airport. This was discovered onXX/XX/XXXX upon return from XXXX. 
On the day of this alleged cash withdrawal at the international airport, XXXX XXXX and daughter were more than 50 miles away on a vacation excursion. XXXX XXXX was in XXXX during the entire period. No cardholder made this cash withdrawal. 
Despite numerous attempts to resolve this issue with XXXX XXXX XXXX, the only conclusion they can reach is that XXXX XXXX had the card in her possession and had the PIN ( which was not personal as the pin was issued by XXXX XXXX ). 
All undisputed charges incurred during this billing period for XXXX and XXXX were paid XX/XX/XXXX with a subsequent payment for international fee charges and interest on the undisputed cash withdrawal. All subsequent and current balances on this card are related to the alleged cash withdrawal. A detailed time line is attached. There has been no attempt by XXXX to resolve this either as admitting a mistake, determining fraud or providing XXXX XXXX to an excellent customer.
XXXX XXXX XXXX says TransUnion. And XXXX can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.
.I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX 120 days late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I had an account that was Paid in Full ERC .I have been shopping for a home in the last 6 months an I had an ERC ( XXXX  XXXX XXXX ) XXXX account back in XX/XX/XXXX it was paid if full on XX/XX/XXXXand during that time, I was under the impress the account would be deleted from my credit profile. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have paid off all of my past dur accounts, and I look forward to buying a home this year. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative PAID account from my credit report.
A email to me from XXXX XXXX threatened me about going to court and arresting me about a loan he was asked to show me proof of my signature on loan documents and then i will decide onhow to handle this matter. Docket # XXXX XXXX. CASE # XXXX XXXX
I have written to t he Consumers Affairs about this agency several times about the tactics of this collection agency. They keep inserting negative medical information in my credit report. I am in dispute with this medical facility. My insurance company is involved in the dispute. I will also be reporting Trans World to the governmental agency that handles HIPAA violations. I informed TransWorld via this site that I was not giving them permission to access my medical records. They accessed my medical reco rds anyway in detail.      XXXX  Acco  unt Owner : Individual Account.
Original Amount Owned : {$710.00}
On XX/XX/XXXX, I received an email concerning an auto pay reminder which was surprising to me because I discontinued in auto pay on XX/XX/XXXX. 
The reason I discontinued in auto pay was after they accepted my deferment they then attempted to collect said deferred fees which in turn caused me to over draft with my bank. I filed a complaint with your business at that time and my money was reimbursed. I cancelled all auto enroll payments to Navient to avoid future occurrences. Now, five months later, I had XXXX taken from account today. 
I only work 30 hours a week and can not afford to make any payments at this moment. I reached out to company to request deferment and received a busy signal for number provided on website. I also am unable to defer my loans through the Navient portal. It states that I do not qualify for a deferment of any kind and will only allow me a forbearance. After looking into the the negative aspects that forbearance can do to my financial standing I can not not accept this option.

This leaves me in an extremely difficult position at a financial standpoint and I can not continuously track down the people who state they are here to help me when the only thing they have done is take money out of my account unknowingly
I have repeatedly disputed a listing on my credit from XXXX XXXX and all they have posted that was verified. They have not sent me any information or how it was verified. This is a repeated ongoing issue with Transunion and other major credit bureaus.
I disputed an XXXX charge on my credit report first in XXXX and Equifax agreed and removed it from my account. The charge keeps showing up and I keep having to dispute it. Dispute confirmation numbers XXXX, XXXX, XXXX, and XXXX. Although the first XXXX disputes removed the charge from my account, the last XXXX was not. I do n't understand why Equifax kept allowing the same charge to keep showing up after I disputed and it was removed. Also, I do n't understand why the amount was removed XXXX times and the XXXX time they wo n't remove it.
On XXXX XXXX, 2017, I submitted a complaint via Khols/Capital One Card Services for a late payment that is reporting to my Credit Report as no more then 30 days late. I have submitted complaint and complaint and nothing has been handled.This is MY LAST & FINAL complaint before I go forward with finding a lawyer and sueing Capital One for not correcting what they know is incorrect. Like I have stated in previous complaints the representative I spoke to gave me the incorrect information of stating I would be ok to submit a payment after 2 months and they would not report it. That is not my issue nor am I at fault. Its really disgraceful to know Capital One will go to the highest of dishonesty to make me look like the bad guy in this situation. My credit is suffering because of this & this has put my home buying to a halt all because Capital One will not correct their wrong. Although this is my LAST COMPLAINT, I will not give up on getting the late payment in XXXX XXXX 2017 removed because I am not at fault. Capital One also keeps sending me a copy of XXXX 2017 bill that is not sufficient evidence to say my late payment is my fault. I do not need another copy of XXXX 2017 statement as I have it & demand them to supply supporting evidence other then a copy of the XXXX 2017 statement showing a late payment.
Today received a call from an unknown number XXXX and I didn't answer it because of these robo scams that are out there ... they didn't leave a message, so I did a reverse look up on the number and it was Portfolio Debt collection. I have already sent them a cease and desist letter stating that they can no longer call me and that they definitely can't call me at work during work hours, which they just did. I filed a a complain a few years ago on this site and I thought things would stop, they did for a while. Now they keep calling me. The debt they claim to have is no where to be found on my credit report, so this needs to STOP!
On XX/XX/XXXX, M & T reported to the Credit Bureau that I was 30 days, When discovered I quickly notified M & T of the error however they insisted that it was accurate. I asked M & T to provide me with proof of when I was ever 30 days late, and I even sent a validation letter through certified mail on XX/XX/XXXX requesting for them to validate the late payment inquiry. M & T received the letter however 30 days passed, and M & T never responded. I disputed it with XXXX, and all I received was emails informing me that the creditor confirmed that the late payment was accurate, however, still, no proof was sent to me.
I checked all my US Bank records, there was ONE document I missed when I first sent the complaint to US Bank. Complaint number XXXX in the amount of {$18000.00} on XXXX XXXX, XXXX, another {$10000.00} on XXXX XXXX, XXXX, in the Total amount of {$28000.00}. with the same address, recipient, account but two different amount. 

Beneficiary Account number : XXXX Recipient Bank : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  Recipient NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( next to XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX : XXXX
Regions Bank Institution is charging me overdraft and non-sufficient funds fees ; I have paid Regions Bank Monies with regards to the personal line of Credit to bring that Account to XXXX Monies owed. 

Regions Bank unlawful practices are unfortunate. This will be the second unlawful fees reporting I have from filed. 

I have documented files to upload ;
This debt is not known to me. XX/XX/XXXX I was a victim of identity theft this account was opened fraudulently. I complained to XXXX XXXX credit bureau XX/XX/XXXX that I wish to place a dispute with this company and requested that full. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
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The company took illegal action against me but your forced choice format does n't allow me to select an appropriate option. They wrecked my credit rating after contacting you for a bill that had already been paid. It is also a continuation of an attempt to collect a debt I do not owe because my wife sent them checks but they simply did n't cash it. I understand I still need to pay them but they are simply not cashing the checks. We have carbon copies within a checkbook and well as torn off bank statements so we strongly believe we did everything in our power to pay the debt off. However, your forced choice format does n't allow a response. It 's also false statements because they told the CPFB they did n't know who I was when they must have. They contacted me immediately after the CPFB closed the case. However, your forced choice format does n't have an option for this false statement. It 's improper contact because they should have gone through the CPFB channels when the complaint was open. Instead, they contacted me immediately after it was closed. However, your forced choice format options do n't allow me to explain that. 

After contacting the CFPB see Case number : XXXX the credit card company claimed they had no idea who I was. The CFPB simply trusted the attorney and immediately closed the closed the case upon which the company immediately called me. Clearly, they knew who I was all along. I identified the bill in the question and checked with my wife who had already paid it and which I have ample documentation to prove. The CFPB chose to close the case even though the company had not responded and I did n't owe the bill they claimed I owed and had destroyed my credit rating which made no sense because they left my wife 's credit rating alone even though the bill in question was on a joint account. The CFPB also ignored that my credit rating was destroyed two days after I contacted them when the bill had already been paid.
I was recently denied credit because DCI is reporting several accounts that are either a result of identity theft or mistaken identity. Explained that I had a XXXX wireless account years ago and it was paid in full spoke to several reps who said they could n't not help me that I had to dispute it with original creditor. They gave me the contact number and the original accounts numbers. Spoke to several reps, XXXX could n't locate the accounts and the other XXXX said that the accounts go back to XXXX not XXXX and that I had to dispute it with the collection agency. I wasted an hour trying to correct a serious mistake on my credit report and got nowhere and dealt with rude and careless individuals who was n't trying to assist me in getting this corrected. I 've suffered damages because of these accounts and I have disputed them with the credit bureaus as well but they continue to verify the debt when in fact they are not mine and neither party could validate such. They continue to shuffle me back and forth and neither company has resolved the matter.
I saw that my credit scores dropped. I had a collection from Deville Asset Management on my credit for XXXX stating that it is from XXXX. My account with XXXX was paid in full and closed. This agency is not bonded to collect in my state. They never sent me a statement or letter stating that they are putting anything on my credit. This is a violation of the FDCPA AND THE TEXAS FINANCE CODE
On XX/XX/2018 I sent a certified mail letter with return receipt to the collection agency Wakefield & Associates to validate the alleged debt that were on my file. The account are as followed : Account : XXXX  The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Wakefield & Associates currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Wakefield & Associates validating this alleged debt. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate this alleged debt. If this collection is not deleted I might sue for violation of the FDCPA.
I went to XXXX XXXX for XXXX shopping but my card was declined. I called Phone banking but was put on long holds, finally when some one made their self available I was told that my card was temporarily blocked. This stupid decision was made without even informing me thus after queuing up in line to buy for weekend and XXXX I had to leave store empty handed. Further when ever I contact BoA I have to face long holds and their chat representative are always busy as well. This wastes my time and in case of emergency i do n't think i would be able to get in touch with them. Do n't they calculate their capacity model, whats the use of having help line and chat if they are always out of representatives. 
Can you please look into the above complain because the representatives at BoA do not care about customer complains.
There is a loan for which I co-signed for a college student. This student has had very a difficult time repaying the loan. He has contacted Navient on numerous occasions to try to restructure this loan to make it easier for him, but they will not help him. He has XXXX XXXX XXXX, and the cost for his insurance and XXXX take the majority of his monthly income. Navient services this loan. If he is less than a week behind in making his scheduled payment, Navient begins calling me. As the past due time continues, they may call me 3-6 times in a day, calling my home as early as XXXX or as late as XXXX, calling my business provided cell phone the same number of times. They will not work with him to adjust the current terms, and will not consolidate this loan with his other loans to create new terms.. on loans which they also service. Currently this loan has a payment that is scheduled to be made from the student 's bank on XXXX XXXX 2016. When this payment is made his account will be current ( at least for now ). Despite this arrangement, which I have had Navient confirm for me over the phone, they call me a half dozen times a day demanding payment. 
There was a time when I was willing to take this loan over and just pay it to stop the calls and the stress ( I am not going this route currently, as I need the student to take responsibility for his loan ). However, at that time, I begged Navient to adjust the terms of this loan for which they were holding me accountable. They would not adjust anything on the loan to meet my needs and financial situation, despite holding me responsible for the repayment of the loan.
XXXXXXXX XXXX is illegally reporting the following accounts on my credit report : Account # XXXX ... XXXX Account # XXXX ... XXXX Account # XXXX ... XXXX I have disputed these accounts several times requesting XXXXXXXX XXXX to provide physical verification in XXXX, XXXX, & XX/XX/2018. Per my rights, I requested a copy of the original contract with my signature that says I agreed to pay for this debt. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. XXXXXXXX XXXX refuses to provide me a copy of a legal agreement/contract with my signature ; therefore, they must REMOVE all 3 accounts from my credit report. 

XXXXXXXX XXXX has responded by sending me generic system-generated letters from their computer system with the codes XXXX & XXXX. They refuse to do a proper investigation and continue to ignore my request of providing me with a copy of the original contract with my signature. The generic pre-written letters are not sufficient in verifying debt. I have attached copies of the system-generated letters I received from XXXX XXXX. The law states you must provide a copy of the legal contract with my signature. XXXX XXXX   continues to violate my rights according to the FCRA. 

XXXX XXXX sent me letters stating to contact the debt collection agencies instead. Listed below are the actions I have taken regarding the referenced accounts : Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX and asked for verification. They could not provide me with verification and responded by letter they will be deleting the collection from my report. I have attached the letter from XXXX XXXX for your review. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX XXXX XXXX. 
I disputed XXXX XXXX XXXX and requested verification. The collection was deleted from my credit report because they were not able to provide verification of debt. 

Account # XXXX ... XXXX was charged off and sold to XXXX XXXX, XXXX. I contacted XXXX XXXX and requested verification of debt. They have not provided me with a copy of the original contract with my signature. 

XXXX XXXX is the original creditor. They continue to report derogatory account information on my credit report illegally without providing me verification of debt according to my rights under the FCRA.