WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has reported XXXX account as opened XXXX That the date of first delinquency is XXXX That as of XXXX a balance of {$340.00} is charged off. 
This reporting is incorrect, inaccurate and not correct under the Fair Credit Reporting Act. 

Dispute is as follows : 1 ) XXXX has refused to validate the debt with a signed contract or application. 
They are concerned that if the account is not mine. They would have disclosed private credit files without permission of proper XXXX XXXX. 
There are at least XXXX XXXX or XXXX or XXXX or XXXX XXXX living on the XXXX XXXX of United States. 

2 ) Equifax reports the account opened XXXX but if you look at the statement from XXXX ( copy attached to this complaint ) The opening date is XXXX 3 ) Equifax reports the XXXX delinquency as XXXX but if you look at the statement from Southern Maryland Electric Coop ( copy attached to this complaint ) The date of first delinquency is XXXX. 
Furthermore, the account was late from XXXX to XXXX each and every month incurring a late charge. But Equifax has failed to report any of the late payments accurately. 

By deleting the early late payments, Equifax and XXXX could continue to report at the credit bureau past the 7 year statute of limitations from first delinquency date. As commanded in the Fair Credit Reporting Act. Called inaccurate reporting and Re-aging.
This collection company is but a multiple number of agencies used by XXXX XXXX XXXX XXXX to collect an alleged debt that is very old based of the letters and credit reports I have. This complaint is related to this company and this complaint. XXXX here on cfpb Consumerfinance.org This written letter should also serve as notice I dispute this alleged debt in its entirety. I am disputing this debt to Phoenix Financial Services LLC dba XXXX XXXX XXXX XXXX. I wish not to be contacted by phone at any phone number, as phone conversations are very inconvenient for me. I wish only to be contacted by letter. XXXX XXXX XXXX has been notified through their agents of my verification requests and my desire to have no contact by telephone. I believe their bouncing of this alleged debt to multiple agencies is their way of skirting their requirements of validation and requirements to cease phone contact. All information provided to me so far has been nothing I can use to verify I owe anyone a debt.
On XX/XX/XXXX, a charge appeared on our XXXX Credit card from " XXXX '' ( see the attached document # 1 ). I asked those with access to this card in our family if they had used any such service from XXXX XXXX, and they said no. 

I immediately called XXXX to tell them this is an unauthorized charge. They posted a conditional credit to our card for this charge. I explained to them that nobody in our family had lost their physical card, but that someone must have gotten hold of the card #. XXXX then closed the account, and opened a new card. 

Meanwhile, XXXX mailed a huge amount of documentation to me. By looking at these documents ( see attached 'huge documentation ' document ), we saw clearly that this is a completely fraudulent use of our credit card by someone out there. The charge was incurred down in XXXX, Texas, apparently ( and supposedly ) between two supposed 'law offices '? 

XXXX XXXX then turned the charge over to their collection agency, Transworld Systems , Inc. " tsi '' The XXXX XXXX documentation shows a name of " XXXX XXXX '' as the one who paid for their delivery services. We have no such person in our house, and no such authorized user of our card. 

Transworld sent a letter to " XXXX XXXX '' at our address in XX/XX/XXXX demanding payment on behalf of XXXX. I immediately wrote them a response, stating that we completely reuse this charge ; we are not responsible. No such authorized user of our credit card made that charge ; we have done no business in XXXX, TX ; we have no shipping " account '' with XXXX ( as the XXXX documentation shows ) ; no member of our family or authorized card holder lives anywhere near XXXX ; we did not order anything sent from one 'law ' office to another in XXXX ; and there is no such person here named " XXXX XXXX ''. 

On XX/XX/XXXX, Transworld sent " XXXX XXXX '' a second letter at our address ( see document # 3 ) this time saying, " Thank you for your inquiry '', and your " request for validation ''. But our previous XX/XX/XXXX letter had neither been an 'inquiry ' nor a 'request for validation ' ; it was a firm rejection of all their claims that we are responsible for this charge. 

On XX/XX/XXXX, Transworld sent a third letter to " XXXX XXXX '' at our address ( see document # 4 ) saying they had not heard back from us. I am sending them another letter today ( XX/XX/XXXX ) again, denying any and all responsibility for this charge and explaining why we are not responsible for ( see document # 5 ). 

Whoever made this fraudulent charge did so only with the card # ( not with the physical card ), as we made certain that no authorized user of our card had lost or misplaced his physical card. 

Thank you! 
XXXX XXXX ( primary XXXX card holder )
Original doctors office has no record of me being in the office ever. Office can not provide proof that I was there. They have another woman with the same birthday, that received the same treatments they say that I received. We believe that there was a mixup somehow.
I opened a account XXXX XXXX at XXXXXXXX XXXX in XXXX of XXXX. I had several issues with them. I was told I was signed up for auto draft, they messed that up and caused me to have late payments. In XX/XX/XXXX they told me if I paid XXXX dollars my account would be closed. In XXXX of XXXX I was contacted saying I needed to pay another XXXX dollars. The district manager told me he would fix the late payments on my credit report and sent me the letter he sent to his home office to have corrected. They would not give me a reason but said they wouldnt correct it because I didnt get a letter of ownership that I asked for and still have yet to receive. I want my payments corrected or the trade line deleted from my credit report.
I started this program in debit consolidating program 2012 and was told and agreed to pay back debts to debtors. I am just about finished with the program and have paid for 5 years. Was told in the beginning what my monthly payments would be and what was owed. There also was not supposed to be no more interested accrued only pay what was agreed. Now that I am almost finished the program they tacked on a 6 % interest to XXXX my last debtor for the last payment. The agreement was when I subscribed to this program was the debt would not accrue any more interest matter of fact they would stop at that point of the agreement. Money Management took over this program in XX/XX/XXXX it is was XXXX and now they have allowed this to accrue and that was my original agreement that I had with XXXX. XXXX sold their program to Money Management and now they have changed the rules. They are allowing interest to accrue and not during the time you are paying it be after you are almost completed the program. I feel this is unfair practices and misleading the consumers. They changed the policy after I have diligently paid this program for 5 years. Now they send me a statement stating estimate that was done when I first started the program and it was supposed to have been finalized what I owed, what I had to pay monthly and time span for program completed. However, they tacked on interest for my last payment added in another XXXX after I had finished the program.
SLS is the servicing company for XXXX bank. Supposedly, XXXX owns my XXXX mortgage which originated with XXXX XXXX. I have been unable to complete a refi on my home due to a negative title search which shows XXXX as the loan holder. I requested the required documentation from XXXX and was told that SLS has to provide the paperwork. I made numerous phone calls and written requests to SLS. They were rude and deceptive. They lied and gave me the run around. They sent me the copy of my original contract with XXXX, which did not show transfer of the loan to XXXX, more than once, in an attempt to placate me, even after I made them aware of their " mistake ''. I made XXXX written attempts. They made me wait the legal limit of 30 days and have yet to supply me with the proof that I requested, the proof that I am entitled to by law. I feel my legal rights have been violated. I think they are purposely trying to stall me with misleading information because they do n't want to admit that they can not produce the documentation I have requested. I am losing approximately {$200.00} a month each month the refi gets stalled. They have not shown any professionalism or compassion. They have yet to take any responsibility and refuse to be held accountable. Customer service reps have out and out lied to me, which I can prove, as XXXX of the calls was a XXXX way conversation in which the customer service rep stated he had the documentation, other documentation than what was already sent to me, and that he would get it right out. When I did not receive it, I called back. I spoke to a supervisor, who would not allow me to speak with the customer service rep, even though I had his name and ID number. She said she spoke to him and he denied saying he had other documentation. I asked her to pull the tape. She stated " she would, but it was not going to be any time soon ''. I never heard back. I did call the rep from XXXX back, who initiated the XXXX way call, and he confirmed what we had been told. SLS has a long history of complaints. I can see why. I do n't know why a company like XXXX would choose to be affiliated with a company like SLS. I have no choice, but I am literally XXXX,. I can not get my refi done, through absolutely no fault of my own, without XXXX and that does not look like it is ever going to happen.
Starting on the evening of Friday, XX/XX/XXXX through Sunday, XX/XX/XXXX I attempted to go online and call Homepoint Financial to make my mortgage payment for XXXX. The online system did not recognize my account number after multiple attempts. The automated system kept looping around and never went to the point where I could choose the option so I could make my payment over the phone. I attempted to reach someone at Homepoint on Saturday XX/XX/XXXX and Sunday, XX/XX/XXXX via phone and sent and email through their website expressing my inability to make my payment online or over the phone. I never received a reply back from Homepoint. Finally one Sunday, XX/XX/XXXX I was able to log on to my account online, but the system kept putting my payment date as XX/XX/XXXX which was incorrect. I did not make my payment at that time since the date was incorrect. I called Homepoint first thing in the morning on XX/XX/XXXX and explained my delemia to and what occurred over the last few days. They explained that they had been closed over the holiday and took my payment over the phone. I was told that unfortunately I would be reported the credit bureaus for having a late payment and that it was my responsibility to know that they were closed over the previous days. I informed them at that time that I would put in writing what occurred so I could have this removed from my credit report since they were having a problem with their system. I monitor my credit on a monthly basis and the next time my credit report was updated it reflected a late payment on my account with Homepoint Financial, so I put in writing what occurred and sent letters to all credit reporting agencies and to Homepoint Financial. I never received a response back from my email or my letter to Homepoint. I did receive a response back form XXXX  and XXXX, but I didn't get a response back from XXXX  either. XXXX did remove the negative reporting from my credit report but XXXX did not. I call Homepoint to inquire as to why they never responded back to me and they said I needed to send them another letter with a copy of my credit report to them and someone would get back to me. I made a second attempt to contact them to try and resolve the issue over the phone and spoke with XXXX XXXX in the resolution department on Monday XX/XX/XXXX and explained to her what occurred and she said she would speak to her supervisor and explain what occurred and they should remove the negative reporting. She advised me she would call me back within 48 hours. She never called me back so I called her back on XXXX XXXX and left messages, she never returned my calls. On Monday, XX/XX/XXXX I called her back again and she answered the phone and informed me that they were not going to remove the negative reporting from my credit report. During this time I did receive a refund from Homepoint for my late fee in the amount of {$98.00} which I never requested, I only requested for this to be removed from my credit report, I owed them the {$98.00}.
I am in collections from at XXXX XXXX XXXX bill in the amount of XXXX. XXXX XXXX XXXX sent me to collections with a company called ERC. In XX/XX/XXXX, ERC mailed me a settlement offer of {$970.00}, which I accepted by a letter. When I accepted, I told ERC I would be making weekly payments of {$25.00} till paid in full. As of todays date of XX/XX/XXXX, I have 13 cleared checks totaling {$320.00} to ERC. I have not missed a payment since we started our agreement on XX/XX/XXXX. On XX/XX/XXXX, I received a statement from ERC saying I owed a total of {$1100.00}. I wrote ERC back with my payment that week, reminding them of our settlement agreement. I told them that according to our agreement, I owed {$720.00} at that time. Ive continued to make my weekly payments. I now have received a letter from them on XX/XX/XXXX saying that I owe XXXX. This company should not be able to back out of a settlement agreement, especially since I told them I would make weekly payments back in XX/XX/XXXX when we reached this agreement, and I have not missed a payment.
Three times Navient has put me into Administrative Forbearance. I am enrolled in Auto payment so the money is taken directly out of my account and the payment is drawn from these accounts. I am also making payments on my children 's loans through XXXX XXXX College and XXXX XXXX University which is also being affected. Not only am I being charged interest for back pay but my credit score is being lowered because of delinquent pay which is not my doing. I am hoping for some help so this does not continue to happen.I am living paycheck to paycheck and ca n't afford to have interest added for things that have happened Thank you
Case Number XXXX With Transunion concerning Child Support Listed as an other loan and an open account.

The account ive paid the original amount off. They are still listing it as a other type of loan on my credit? But list the debt as XXXX? Then a XXXX balance.

Incorrect Information.

They report my payments in good standing but havent removed.

Its harmful and inaccurate to list child support as a loan? Its not a loan.

Listing what u pay like you build credit from it shouldnt be available. Because it doesnt build credit anymore than a utility bill?

An it has been harmful in my life becuase its stopped me from purchasing a home and a car.

They have denied me due to the debt.

Transunion said twice they would remove and has failed to change it.

While XXXX and XXXX  have removed.

If i could sue them i would because they keep telling me they fixed it?

Its fustrating to be held back in life from credit reporting bureas that report incorrect information.
My late father died in XX/XX/XXXX and in XX/XX/XXXX my brother and I went to the main XXXX XXXX XXXX XXXX  branch with a copy of his death certificate and his key to his safe deposit box. I was told I could not get in to even do a will search until after probate even though it been 40 days already. Due to his state totaling less than 150,000.00 we submitted to the California Document 13100 we assumed his assets through it. When we went on XX/XX/XXXX to the bank branch with that and a copy of his death certificate and the key to his safe deposit box. We were told the whole process should take 24-48 hours. They did not contact us during that time and called back on XX/XX/XXXX, over 3 business days and then got told the accounts weren't ready to close and got called back the next the next day and said the Safe Deposit box was a joint account with an ex girlfriend and we weren't access even though at the very least we allowed to do a will search and have the contents itemized. We contacted our estate lawyer and informed us that we were allowed to access box to perform an inventory. So we contacted the bank on XX/XX/XXXX, 10 legal business days later I was informed I am still not allowed into the box and when asked for exact wording on the signature card I was informed that I am not legally offered that the information. I've spoke to XXXX XXXX on this matter 4 times now and to a high level bank employee twice on the matter. Now I have to pay my lawyer to contact the banks legal team.
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... your company has a large amount of fraud charges on my credit report that is not accurate s with loans on my report and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! The amount was for XXXX for enhanced recovery company if you would contact me regarding this matter I will greatly appreciate it thank you! 


Thanks XXXX XXXX XXXX Sent from my XXXX
Southeast Mortgage, XXXX, GA was the lender on the purchase of our home in XXXX Ga. On XXXX XXXX, XXXX. The process for the FHA streamline loan took 71 days from initiation - excessive and unacceptable. The XXXX Lead Representative assigned appeared to lack the knowledge of the FHA requirements and process. For example, we were not provided information on our responsibilities to get the contractors, forms which contained the FHA requirements were not provided. Questions on our part to wade through this process were almost always answered with 'the requirements for the FHA streamline process changed in XXXX '. The lender should be educated in these changes and pass on information which helps the consumer to get through this process. I did my own research, my son created his own contractor form based on the information received by the lender. When submitting, the rules changed several times. First, the bid information had to be received from XXXX contractors, listing the cost and labor for the proposed renovations. Each time we submitted what the lender required we were told 'just XXXX more document and we 'll be good '. Delays due to this, lack of response to emails and phone calls added to the frustration. When we were told the appraisal could now be ordered, it was n't because the underwriting process was slow and when issues were discovered our application went to the bottom of the pile. After many complaints to the lender, we would get some movement, but again were told it was due to FHA requirements. Once the appraisal was finally ordered, and completed, we were told a new form had to be completed by the contractors which was our responsibility to get completed, signed and returned. We travelled over an hour to meet with the contractor to get this done same day and returned to the lender. Once received by the lender, we were told it had to go through underwriting again, which took several days. We are now at 45 plus days in process. When told the new form required a contractor resume, the contractor failed to provide since his references and all contracting information had already been provided. We had to resubmit all our information for a regular FHA loan. Again the forms had to go through underwriting, another appraisal had to be ordered. XXXX extensions had to be filed with the owner to keep the home in process. Finally, we signed on XXXX XXXX, XXXX. Three months we had to stay in hotels and with relatives and pay for the storage of our belongings because we moved from Arizona to Georgia. The cost to us waiting on this process was more than a month longer than we expected. Tensions and frustrations are beyond explanation. Southeast Mortgage motto is to make the experience Awesome and not average. It was AWFUL not Awesome.
XXXX / Synchrony bank does not disclose the amount due each month to avoid interest and fees. XXXX company customer service representatives confirmed that is a true. I hope we all misunderstand. It does n't seem this could be legal. 

For example, when I look at my monthly statement - there is no amount due that reflects the actual amount due now versus the amount deferred. 

This issue arises as a result of mixing deferred interest promotion transactions ( that offer 0 % interest for XXXX to XXXX months ) with regular transactions that must be paid monthly on revolving credit. 


Yesterday ( XX/XX/XXXX ) I called customer service to find what I owe on XX/XX/XXXX 
They told me the data was all on the statement but that customers must calculate what they owe by sorting through transactions with a calculator. I asked the representative to make the calculation for me. Her first answer was that I did n't have to pay anything ( incorrect ). I questioned that. 
Her next answer was that I had to pay {$350.00}. ( also incorrect ) I asked for a XXXX. 

The XXXX also stated that customers must calculate what they owe to avoid interest. She confirmed it is not printed on the statement. 

She calculated my balance for normal revolving credit transactions and said that I owed {$0.00}. 
But she then said I had to pay {$25.00} as a minimum payment. 
Thus XXXX conflicting answers in XXXX call - a consumer does n't stand a chance. 

I intend to pay the {$25.00} in good faith. 
But if XXXX owes {$0.00}, why would there be a minimum payment? 

Why does a consumer have to spend XXXX minutes or so calling customer service to find what they owe because it 's not on the statement? 
And then hope the answer is correct. 

I work hard to maintain good credit. 
It sure seems like a deceptive practice to make it this difficult to know what is owed.
My mortgage company is incredibly clueless. They did n't pay my Homeowner 's Insurance policy last year and it was cancelled accordingly. I contacted them ahead of time to advise I received notice and then still managed to be late even though I advised when it needed to be paid by. This year I contacted them 2 weeks before it cancelled. My insurance company said they called and asked about renewal on the XXXX and my insurance company stated they would have provided the renewal amount. My mortgage company said they never got the renewal amount (? ) and then advised me they sent a check for the prior years renewal amount on XX/XX/2016. I contact my Insurer ( XXXX ) again on XX/XX/XXXX, they advised of the above call on the XXXX and stated there was no contact or check received from the company since then. This has been grossly mishandled and I have had to figure it out both years and been stuck in a state worrying about my insurance policy cancelled, premium rising because of their mistake, or being stuck with Lender Placed Insurance because they ca n't handle an escrow account properly.
1-I was taken to the XXXX for a XXXX problem,2012, after testing I was ttold XXXX would have XXXX tomorrow and it never happened. I went home and contacted another Doctor. I was billed for this by XXXX Co. 
It now shows in collection.They did accepted my medicare and insurance. sent tocollections. 
2-XXXX first wrote off my account and now it shows new.