WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of 2013 I paid a past due medical bill two months after it was reported as past due on my credit report. The medical bill is still showing as in collections even though it was paid over two years ago.
I received a loan for {$2600.00} from XXXX XXXX over 5 years ago which I defaulted on. They sold my account to XXXX XXXX which I had an arrangement set up to resolve my account in 2 payments in XX/XX/XXXX ( I have the email correspondence still ). Mountain Lion ( D Scott Caruthers ) starting contacting saying that I still owed on the XXXX XXXX account. They would harass me at work which resulted in me filing a formal complaint since I asked them multiple times to not call me at work. In XX/XX/XXXX, they started garnishing my wages. They have already taken over {$4600.00} from my paychecks to date. For a {$2600.00} loan ( which was resolved in XX/XX/XXXX ), I have paid back over {$7500.00}.
Debt was paid XX/XX/XXXX but it is still showing as collection in my credit report as of XX/XX/XXXX! I have complained few times at consumer finance and also called the collecion agency few times but it was never resolved. Collection agencies need to inform the credit bureau right away if the collection amount is paid off.
ACCOUNT XXXX/XXXXACCOUNT ACTUALLY OPENED NOT IN XXXX OR XXXX, BUT IN XXXX. 
XXXX is trying to re-age the debt, even though it was discharged in a Chapter XXXX bankruptcy petition. This is a practice highly scrutinized by the Federal Trade Commission. 
The credit bureaus have not done a proper reinvestigation on this credit trade line. All XXXX credit bureaus have a different start date, initial first late start date and end date. 
The account is over XXXX months since its first late payment, and must be deleted under the Fair Credit Reporting Act 7-year rule. 
I REQUEST A FULL REINVESTIGATION TO CLARIFY MY STATEMENT THAT THIS TRADE LINE HAS OUTLIVED THE 7-YEAR MANDATE FOR REPORTING OF NEGATIVE INFORMATION!!!
I rented a car from XXXX in XXXX XXXX at an agreed upon price, picked it up at XXXX XXXX XXXX in CT, and returned it to XXXX XXXX XXXX in XXXX.When I got home I realized I had been overcharged for the rental. Payment was with my Capital One Visa card. I requested a refund from XXXX, and on XXXX XXXX, I received an email from XXXX indicating that " a refund has been applied, please allow sufficient time [ sic ]. '' A credit never appeared on my Visa account, so after further inquiry of XXXX I received an email dated XXXX XXXX, XXXX, informing me that " a credit has been applied and too please allow sufficient time for the {$340.00} to apply to the visa card on file. '' It has been almost XXXX months since I rented the car, and my Visa account has yet been credited with the refund promised by XXXX.
I 've been off work due to illness for the past 8 months no income at this present time.
XXXX has been non-compliant with removing the unverified account MEDICAL DATA SYSTEMS , INC . Opened Date XX/XX/2018 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that MEDICAL DATA SYSTEMS , INC . was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX 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 Credit Reporting 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 CAPITAL ONE BANK USA 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 : CAPITAL ONE BANK USA 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
I was late making the monthly balance payment to American Express on account numberXXXX. They eventually cancelled the card and charges off a balance of {$1400.00}, but not before rolling up late charges and interest for many months. I have asked repeatedly for several of the bill collectors to get me a copy of what any actual charges were, as opposed to penalties and interest, and offered to pay actual charges, but no one ever responds, and if i try to call AMEX they just say it has gone to collections and refuse to talk to me. None of the collectors ever send a copy of what I am being charged for.
On my credit report the the company ( XXXX XXXX XXXX [ closed ] /XXXX XXXX XXXX ) states that I owe {$10000.00}. I spoke to a rep in the repo dept department at XXXX and he said that I only owed {$3200.00} ( estimated ). That 's the first complaint. Second complaint is the fact that XXXX XXXX XXXX never notified me of the selling of my account. Third complaint, this company is reporting me as being late several times throughout the loan when in fact ... I was never late a single payment until I lost my job. The company repo'ed my car causing me financial hardship and severely affecting my credit worthiness in getting another vehicle. I tried to communicate with the above company to no avail. They were n't hearing anything that I had to say. I called several times and each and every rep was extremely rude and totally heartless. Please remove this company from my credit report.
{$20000.00} theft at the closing table on XXXX XXXX on a home re-fi by XXXX/agent of XXXX, with an inflated appraisal of $ XXXX for a $ XXXX note, then GMAC took over and raised my payments from {$1800.00} to {$2700.00} BASED ON THE FALSE APPRAISAL. 
Filed lawsuit XXXX in the corrupt XXXX XXXX XXXX, they got a summary judgment XX/XX/XXXX, AFTER THE CFPB-OCWEN CONSENT ORDER in XXXX XXXX. I am still in my home as the note was paid off by XXXX, XXXX and my tender.
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX on XXXX/XXXX/2015 that I do not recall authorizing. Furthermore, I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Our forebearance of one year ended in XX/XX/2018. The anount of {$370.00} was due each month and I never missed a payment. I made a call to Navient to extend the payment amount ( {$370.00} ) due to the fact that the student is still not working and that I, the co-signer am on a fixed income. 
I gave all my financials again and was told there should be no problem, a supervisor had to approve it and the student had to be contacted. 
Navient contacted the student and told him he had to pay {$490.00} a month, never including me in the repayment schedule. 
I immediaely called Navient to again explain my financial situation and that the student is not working or paying this loan and was told it was too late. How can Navient negotiate with a person who has no means of of financial support and disregard the person who is paying the loan? 
As far as I'm concerned they practice predatory lending and should be held accountable.
I HAVE DISPUTED THIS MATTER WITH TRANSUNION TWICE. THERE WAS A ISSUE WITH TRANSUNION INQUIRIES AND FRAUDULENT INQUIRIES ON MY CRDIT REPORT. I HAVE FILED A POLICE REPORT AND I AM DEMANDING THAT THE FOLLOWING UNAUTHORIZED INQUIRIES BE REMOVED FROM MY CREDIT FILE I MAILED CERTIFIED LETTER TO SHOW PROOF OF THE INQUIRIES AND FROMALL CREDITORERS AND AS OF TODAY NO RESULTS. PLEASE REMOVE HARD INQUIRIES THAT WASNT AUTHORIZE FROM ME :   XXXX   XXXX   --  XX/XX/XXXX - XX/XX/XXXX  XX/XX/XXXX  -- -- WHO WOULD REQUEST BACK TO BACK?   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   -- - XX/XX/XXXX  XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   -- -- XX/XX/XXXX - XX/XX/XXXX  TWICE IN 2 DAYS   XXXX   XXXX  - XX/XX/XXXX - XX/XX/XXXX   XXXX  --  XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX  WHO WOULD REQUEST 3 X IN A ROW?
Last week (   XXXX   ), I called  Sallie Mae t o get a  XXXX  pay off statement to apply to refinance my loans with someone else.  XXXX  days before, the pay-out from a different company we 've refied with was placed in my account, so they are aware I 'm trying to re-fi at least some of my loans. My interest rates are outrageous, and I can not afford them much longer. The customer service rep put the request in and mentioned that because of the long weekend  (   XXXX  Friday ) it might take longer than the usual  XXXX  business days, which is fine. I never got the pay-off statement, so I called again last night. While a note had been made on my account, it did n't state how many days I needed nor had the request been filled. Now I have to wait  XXXX   XXXX  business days for the statement to finish my re-fi application. My goal was to have  XXXX  of my loans re-fied by the time my next payment was due, but now because of this, it will not happen. I firmly believ e Sallie Mae i s holding up my paperwork so I ca n't re-finance my loans. I went to  XXXX   XXXX   XXXX .
Tonight, my daughter called XXXX for a car loan with me as the co-signer. I have my credit frozen and didn't get word that this was being checked while I was at work. Experian called the incorrect number to reach me and called XXXX back and told them that they could not reach me to unfreeze the report so the whole application was chucked, and, must, 2 hours later, be redone and submitted. The thing that angers me the most is that Experian 's phone and " contact us '' is specially designed to avoid ALL contact or to hear from people on anything about which they do not wish to communicate. The automated phone system allowed two options. If your concern did not fit this, the call was disconnected. The email system is the same. There was NO means of contact for my issues. If you are not a " member '' ( why do I NEED to be a member of a credit monitoring bureau? ) there is no way to ask why I was not contacted on my cell or to express my frustration with their customer service experience. Given the extraordinarily important business in which Experian is engaged, and how much control they have over people 's lives, they need to be required to engage with those who's personal business and financial matters they control. There is a naturally adversarial posture here since consumers do not do business with them or purchase services from them. They don't " need me. '' Where is the protection in " consumer protection ''?
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 )  ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may const itute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have  XXXX  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
I submitted my mortgage payment on XXXX XXXX which was due on XXXX XXXX. I received a call from Ditech in XXXX that my mortgage payment for XXXX was late. After informing the person that my payment was submitted on XXXX XXXX, the person said the payment was incorrectly applied to the principle and they would send a request to fix the problem. I continued to receive calls and letters from the company that I was delinquent on my payment. I have called or spoke with Ditech at least 6 times and they said the mistake would be corrected each time I spoke with them. 
After XXXX weeks of trying to correct this mistake, the issue has still not been resolved and I continue getting calls letters from the company stating that I am late on my payment. I keep getting excuses that they are updating the computer system and they do not know why it is taking so long.
I tried to apply with a bank and was denied because of chex systems reporting. I've tried submitting a request disputing the negative items be it still remains on my report.
Hello. My name is XXXX XXXX. I filed a dispute on an account, XXXX XXXX XXXX who bought the debt from XXXX XXXX XXXX, that I paid off on my credit report for an account that is at a XXXX balance on my report on XX/XX/XXXX. On XX/XX/XXXX the account was removed and immediately reapplied to my account under derogatory remarks which dropped my score 31 points. Then on XX/XX/XXXX the account was once again removed then reapplied to my account dropping my score down another 79 points. Now the account sits in me derogatory accounts keeping my score low with a {$0.00} balance. I have called them multiple times to ask why the account has been removed and reapplied lowering my score more and more each time but they fail to give me an answer each time. I ask why it wasnt just left alone until the dispute was finished and again they fail to answer my questions and to fix the problem. They finished the dispute XX/XX/XXXX and I tried calling again after the dispute was finished to ask why it kept being removed and reapplied, or why it is still in my derogatory section and they still could not give me an answer nor were they willing to look into it and fix it. I have been trying really hard to fix my credit score but equifax has done this on multiple occasions where they remove an account and reapply it to lower my score.
XXXX XXXX XXXX XXXX transferred my XXXX XXXX account to recovery in XXXX. As a CHARGE OFF. But on XX/XX/XXXX updating account 4 years later on XX/XX/XXXX as date reported. This is inaccurate reporting. Should have been as originally reported in XXXX. I need the company to remove the XX/XX/XXXX as the date reported since it was in XXXX it was reported
Our loan originated with Alterra Home Loans on XX/XX/XXXX. In XX/XX/XXXX we requested to enter on a Forbearance plan due to the expenses caused by the mandatory evacuation of our area ( XXXX ) caused by Hurricane Irma. This was granted for 3 months with an extension for 3 more months, until XX/XX/XXXX. On that month, we started paying for a 3 months TRIAL period in which we were going to be deemed of a refinance of our loan ( meaning, moving the payments we didn't have to pay on the Forbearance plan to the end of the loan and pay it then ). 

On XX/XX/XXXX, our loan was passed/sold to XXXX XXXX. Since then it has been a total nightmare. Alterra never send them the totality of our paperwork, so they are saying we are severely delinquent, they have reported this to the Credit Bureaus and our score dropped significantly. I have been talking to XXXX for the last 4 months with absolutely NO improvements on our situation whatsoever. They are now calling us several times a week, nagging us about getting up to speed on our payments!! 

Be have never asked to have another loan servicer! and we are victims of two AWFUL, scrupulousness companies! 

We have paid as much an as regularly as it was asked by both companies and we have only received bad service and a considerable drop on our credit score, affecting our lives significantly. 

Please do something!! 

Thank you!
Hello, I am reaching out to this eclectic group as a humble Virginia and XXXX. I am desperately hoping for a miracle from you. I am a husband and a father who always wants the best for his family. In this case I have tried going the normal course and have tried everything in my power to prevent getting to this point. 

Facts : For the past 4 years my wife has suffered with debilitating XXXX XXXX. I have a XXXX XXXX XXXX son who relies on me for all the comforts he is entitled to. 

I was in a repayment agreement with XXXX regarding my mortgage in XXXX XXXX. In XXXX XXXX, when I was notified of a layoff of my job, I notified XXXX by mail of my change in income from {$56000.00} per year to {$0.00}. As is their custom I called to advise them and they referred me to their borrowers assistance package to determine if anything could be done to help with my payments. On XXXX XXXX I filed this paperwork via XXXX mail after 30 days ( their timeframe ) I had received no response. I called and spoke with XXXX or XXXX who said it had not been received and to refile, which I did on XXXX XXXX. Again I heard nothing and I called in XXXX and was told again to file the paperwork. 

During this time, I received no reinstatement letter or notification of possible foreclosure. I try to file paperwork again only to find out foreclosure occurred XXXX. I believe my paperwork was not processed due to my wifes mental illness and as a way to discriminate against her. I made multiple contacts to XXXX to see if they could help me avoid this action. 

Fast forwardI attended an eviction hearing on XXXX thinking that the judge would hear my argument and at least continue the case. He didnt. Rather he sent me back to the lawyer for XXXX and to the company but ordered eviction proceedings could be filed I XXXX business days. I tried to work with XXXX to get them to go back and allow my borrowers assistance package from XXXX and XXXX to be reviewed. They said they have no evidence it was received and they refused indicating that they could do nothing. 

Request : I want a temporary stay of the eviction so my original paperwork can be resubmitted and reviewed. I am seeing commercials now about the holiday but how do you have XXXX in a car? I have no where to go nor do I have any extra funds to locate. This is the only home my son has known. We are fully prepared and have been to assume normal house payments but XXXX will not take partial payments so I havent been able to give them less than the repayment plan amount which was $ XXXX due to my layoff. 

I need help and XXXX XXXX I go down I get turned away. XXXX still owns this property so why wont they help me. I have also filed a complaint with the CFPB but that takes upwards of 15 days to resolve which I dont have. 

I hate to beg and Im not trying to get out of my debt but I need help. I dont usually ask but rather rely on my own to resolve issues directly with the business. In this case those attempts have been futile. 

I look forward to your prompt reply to my request for direction and help. Please only work with my husband XXXX XXXX due to my illness. You
Equifax continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Equifax is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Equifax has failed to update with the correct information or delete the account since it 's closed and outdated.
I pay if full {$73.00} on XX/XX/XXXX the HSN card and the agent told me that the account was pay in full. Now all of sudden they charging me late fee again since XX/XX/XXXX. I call XX/XX/XXXX and the attitude of these agent are unacceptable when I am very sick having health, XXXX   problem and have been diagnosed with XXXX XXXX XXXX XXXX. I told the agent if the bill was due on XX/XX/XXXXwhy didn't the agent that took the payment didn't tell me there will be a late charge. He claim she could have not see the late fee. Which we all know that is a lie. One day late and XXXX XXXX post the Late Fee fast and start to call and harass customer.
I looked at my account with Regions Bank on XX/XX/18 and saw that 3 charges not authorized by me were pending. I called the companies listed and they agreed since the charges were not initiated by me and were still in pre-authorization status to cancel the transactions. However, during this time regions charged me 3 NSF fees for transactions that cleared while the others were still pending. I understand once things are pending the money is on hold however once I notified Regions of the transaction and my working with the other companies to clear them out they refuse to do anything about the NSF fees never mind the transactions that appeared were not authorized to begin with. Also Regions has said that the a couple of transactions were pending with the fraudulent charges and that's why these 3 were charged since the others already accounted for money on hold. However when the authorized charges went through that were pending they charged me with NSF again. How can something already have a hold on money and make other things go over then turn around and go over themselves?? No help from Regions in this matter.