WillisBack/dataset-financial-user-claim huggingface dataset:
This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also XXXX XXXX. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX I 've asked for this account to be looked into and removed off my report but its like they are not going into it.
I contacted the credit service XXXX XXXX to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my credit report.
The company where I currently have my private student loan through will not give me any options to lower my monthly payment, that I have repeatedly told them I can not afford. The only option they would give me was to put the loan in forbearance. Even though I have told them I can pay something just not the total amount of the loan due to being a single mother of XXXX children. I have had to put the loan in forbearance 2 times for 3 months each. While the loan is in forbearance it is still accruing interest which will increase the monthly payment even more. When I asked the employee about this and how that made any sense if I already can not afford the payment and basically the only thing they will do is increase the amount of the monthly payment, the employee would only state that he was sorry but there was nothing they could do for me.
For the last 4 months I have contacted this bureau to remove these unauthorized hard inquiries on my consumer report. I did not authorize any of them. This bureau has not got back with me within the 30 days or even after. They are not cooperating with me and giving me results of whats going.
I made a purchase in XXXX store on XX/XX/2018 for XXXX XXXX Then 2 months after i have noticed that my account was charged twice for that : once for XXXX on XX/XX/2018 on my XXXX statement and second time on XX/XX/2018 on my XXXX statement. I have filed a dispute to the company but they sent me some XXXX letter ( please find attached as well as screenshot of my credit card activity where it is shown that i have 2 charges for the same date for exact same amount and screenshots of my XXXX and XXXX statements where those amounts are shown ). This story is continuing for more then a month. I'm sick and tired to continue calling them and endlessly talking to either robot or people who are not listening carefully to what I'm saying to them!
We attempted to use our credit card at a hotel. The card was denied and we left the hotel without checking in. The charge was later applied to our account. We asked the hotel to reverse the charge ; they refused to talk to us. We asked USAA to reverse the charge ; they have now denied it twice after we followed all of their procedures. USAA provided an invoice from the hotel with no signature or card holder address ( because we did not check in to the hotel ). USAA cited that we did not reply to a request to offer a rebuttal to the hotel manager 's false statement about our stay at the hotel and applied the fraudulent charge to our account. However, we did provide a written electronic explanation ( two times ) as well as a signed statement mail to them in a business reply envelope they provided. Neither USAA or the vendor provided a signed invoice or receipt for this charge and despite the many written and signed statements we provided saying that we did not authorize a charge from the hotel ( because we did not stay there ) USAA charged us for this fraudulent transaction.
On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by Douglas Chancellor Meyer for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.
I was contacted by a man named XXXX XXXX ( ph.XXXX, fax. XXXX, email.  XXXX ), stating that he was from a company called XXXX XXXX ( XXXX ). He claimed he was going to help fill out the forms needed to reduce my student loan debt. The emails that came from him has an additional company name of XXXX XXXX. I asked him what that company name was, he claimed it was the parent company for XXXX XXXX. After he took my information he told me payments would be through a 3rd company called Equitable Acceptance. They are to change me about {$1500.00} for a form I fill-out for free every year with the Dept of Education. I decided to cancel the service via sending the cancellation documents to the address on the forms : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I was contacted by XXXX XXXX on XX/XX/XXXX, the cancellation was to be received by XX/XX/XXXX. Paperwork was mailed the XX/XX/XXXX to be received by XX/XX/XXXX. My letter was returned to me on XX/XX/XXXX by the USPS stating the address was " Undeliverable and Unable to Forward ''. Phone numbers for XXXX XXXX and XXXX XXXX ( ph.XXXX ) are disconnected when you call them, I have tried on my cell phone and landline numbers to reach them. I believe XXXX is actually a front for Equitable. I contacted Equitable Acceptance and was told they " did not receive the cancellation information before the due date '' I have documents proving I attempted to cancel within the timeline, I have emails from the offending party and text messages from Equitable. I also have additional phone number and emails from others involved with My XXXX  XXXX : XXXX XXXX ( ph.XXXX, Off Ph. XXXX, Fax XXXX, email. XXXX ) and XXXX XXXX ( ph. XXXX, email. XXXX ). I contacted the Dept of Education and they are aware of the fraud, advised me NOT to pay them, to contact BBB and Attorney General and them. As of today, I have submitted complaints to both the BBB, the Maryland Attorney General and the Federal Trade Commission. Equitable reached out in the BBB claim with a general auto response and disconnected phone number to contact XXXX. I have had to put a freeze through all three credit bureaus as well as filed fraud claims, however XXXX and XXXX state that Equitable Acceptance is already showing on my credit reports.
After long hold times, I was able to make a payment by phone on XXXX/XXXX/2016 for my XXXX mortgage payment. I received a confirmation number for same-day payment. I saw the bank draft on XXXX/XXXX/2016 on my account. Statebridge credited my account on XXXX/XXXX/2016 and charged a late fee. My payment on XXXX/XXXX/2016 also included an additional amount towards the principal. This amount shows as " credit '' and as of XXXX/XXXX/2016 has not been applied to the principal. In summary, Statebridge charged a late fee even if the payment was not late ( I have a recording as proof ) as well as avoided to deduct the additional principal amount towards my mortgage.
I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.
I made my final scheduled payment on an auto loan with Bridgecrest ( formerly XXXX ) on XX/XX/2018, a few days before the scheduled maturity date of XX/XX/2018. When I made the final payment the agent that I spoke with informed me that I had 90 days from the maturity date to pay the remaining balance on the loan. I paid the remaining balance 84 days later on XX/XX/2018. Roughly a week later on XX/XX/2018 I pulled a new credit report and was surprised to find that they had reported 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 

At no point during the initial conversation did the agent mention that it would be reported negatively during the 90 days. I also spoke with an agent a few times during that 90 days and was never told that it was reporting negatively or that it would report negatively. After pulling the credit report, I contacted the loan company and spoke with a manager who assured me that it would be fixed. A few days later I received a credit reporting letter with an account status of " Paid / 81 days past due '' and 1x30 for XX/XX/2018. Again I contacted the loan company and spoke with a different manager that is now stating that there is nothing that they can do.
My account has been overcharged in force-placed insurance which makes me pay twice for the same insurance. Charged on my escrow account an insurance value on the loan and they never sent me a notice of premium nor any insurance certificate. My property is a Condominium and has been insured since I bought it in 2005. I had to rely upon my insurance and my funds for any issue since I never had a certificate from them. IIf I had a certificate from them I could have contacted the insurance company for a refund in regards to that insurance since I have had always coverage in my property. They do not want either to refund those premiums or produce a certificate of that insurance. In essence, I am being charged for something that does not exist. It is illegal to collect double insurance on the same risks.Rushmore does not respond to my complains. This is simple an easy money earning for those who have a property. This issue caused a lot of our problems in the past.
I went to store to make purchase yesterday (XX/XX/XXXX) and found out my account was closed on XX/XX/XXXX. I have XXXX  Thankyou reward points in my account and all of them got expired after the closure of my account. All Thankyou reward points were accumulated from my daily expenses. I do not even have a chance to redeem them since I have never received any account closure notice. I called up to ask if they can reopen and they stated no and for me to re-apply. The supervisor (ID: XXXX) did not provide any solutions, and she was even impatient to tell me that if I wanted to continue to complain then go online to find their complaint department mailing address by myself! This is the first time I met such a bad attitude customer service. They did not even email/mail me anything about the closure of my account. And it did not make sense to close my account without any notice and expire all of my Thankyou points.
My credit rating has been decreases due to delinquent payment. My credit rating was XXXX which was last year. My credit rating is XXXX now. I am in big trouble of buying a house. I need to close my escrow within 12 days from today. Per telephone conversation with the XXXX agency, my credit will go up in a week if I paid in full. I was able to pay XXXX dollars and try to save credit with the other Collection agency called XXXX on XX/XX/XXXX. I called AES which was my original student loan agency to explain my situation. I was told to wait 7 to 10 business days. I can not wait for them to investigate. My student loan was paperless and it was automatically deducted from the banking account there is no reason to have default payment on my record. There should be special circumstances for people like me to prevent lowering the credit rating for XXXX dollars. Now the XXXX dollars will turn to additional XXXX dollars per month with the sub primer mortage. Please help me to increase my credit rating so that I do not have to pay additional cost for the home loan or home loan rejection. Which means I may lose  my Honest money deposit.
I have a XXXX XXXX account on credit report that is not mines. I have attached ID theft statement. this account was deleted and readied by XXXX.
Meridian Financial Services Inc. has violated the FCDPA trying to collect old debt which is considered " Time Barred '' debts. The company has placed a lien on my credit report in the amount total of {$16000.00}. 

The debts were dated in XX/XX/2006 which is twelve years old and can not be collected, as it's considered a Time-barred debts.
Well over a month ago I requested a free credit report. After at least three weeks I received notification that Experian required additional information to process my request. I mailed the information back with a copy of the letter they sent me. I just received notice that Experian will not be producing my credit report because they " are not affiliated with the annual free credit report program. '' I am not able to contact Experian directly regarding this issue. Please sue the fecal matter out of Experian. Please fine Experian to the point of bankruptcy. Then ensure all Experian board members are placed in prison, for at least 10 years each. 
Thank You, XXXX XXXX
Advance urgent care did n't provide adequate verification for debt. In question no documents were provided showing a contract or signature. No contract no signature!
I was redeeming rewards points for airline tickets under XXXX program and I was charged a {$150.00} fee for booking this travel within 21 days of the flight. At no time during the booking of the flight was I notified that there would be a charge for booking. I contacted them and they informed me that there was nothing they could do and if I failed to pay the charge they would report it on my credit report. I was also billed an additional {$22.00} for this transaction that was disclosed and agreed to.
The Collection Bureau of XXXX XXXX sent me a purported debt regarding a medical bill. I requested verification and they sent me a medical bill with the XXXX redacted so I can not validate the debt. I demanded that it be resent to me with the XXXX visible so I could verify the debt and instead The Collection Bureau of XXXX XXXX/Collection Bureau Services contacted XXXX and XXXX verified the debt for me without my permission or sending me documentation so I could verify the debt. The debt remains on my credit report and both XXXX and the Collection Bureau of XXXX XXXX/Collection Bureau Services refuse to place it under disputed status. This is a gross violation of my rights under the FDCPA.
Recently my loan payments increased because of an increased need in my escrow account. I am retired and tightly budgeted so an increase of $ XXXX/month is impossible ( partial payments are not accepted ). I learned the reason is an increase in homeowners insurance and taxes. I have explained this to Chase but they say that their hands are tied. I have had to wait to pay each month until my Soc Sec check arrives which makes my payment late. I am appealing the taxes and I have changed insurance companies. Recently I caught up but I still receive telephone calls from Chase Mortgage even when my mortgage payment is not late ( before the XXXX of the month ). They insist knowing the date when I will pay, and they say the calls will stop if I tell them the date when I will pay. I consider this harassment.
I 'm trying to link my bank to Activehours systems and it 's saying I have the wrong information and to contact your agency
For approximately the last year, the law firm of Machol & Johannes , LLC has been repeatedly contacting myself and my parents in an attempt to collect a debt that I do not recognize. Per the office, their client obtained a judgment against me in 2010 ; however, neither myself nor anyone at my place of residence was ever served with any paperwork to notify me that I needed to appear in court. 

Each time the law firm calls, I ask them what the debt is for. On several occasions they have stated it was a credit card for several XXXX dollars. I have never had a credit card with a limit higher than {$1000.00}, if I remember correctly the highest limit I have ever had is {$750.00}. 

I offered to discuss payment options if the firm provided me proof of service and verification of debt. I have requested XXXX these items multiple times and the woman I speak with, XXXX XXXX, refuses to provide me any additional information. She has raised her voice at me, hung up on me during our conversations, and not returned my calls when I request additional information. 

If this is a debt that I do owe I am willing to attempt to make payment arrangements ; however, I am not going to blindly send in money to a law firm without any documentation evidencing where the original debt was originated, details of the dollar amount that I owe, and proof that I was served paperwork and given the opportunity to appear in court as I was never made aware that there was the possibility of a judgment being entered against me.
Approximately XXXX I have been a victim of fraud and ID theft. Someone open various accounts, request credit and made credit inquiries on my name, illegally, fraudulently and without my authorization and knowledge. On XXXX I put a credit alert and I report it to XXXX XXXX Police with the incident number XXXX. Then I made and Identity theft victim 's complaint FTC # XXXX and affidavit and I made a report and informed it with the XXXX credit bureaus ( including Equifax ). Equifax did not correct the following information : inquiries made fraudulently : XXXX made in XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX ( the XXXX XXXX ) XXXX XXXX XXXX XXXX I call Equifax to correct and delete from my credit the above inquiries and they told me that I must call and notify those companies that the mentioned inquiries were fraud. I called each company and answered all mail for them. I have evidence, for example : a letter from XXXX XXXX saying that they close the account because they determined was a fraud and I have to allow 45 days to the consumer reporting agencies to update their record. Equifax did not update my credit record and constantly put the XXXX fraudulent inquiries in my file. I call them and by internet notified them that those inquiries were fraud. I have all disputes confirmations # as and effort to correct my credit information : Confirmation # and dates XXXX made in XXXX bay phone ; XXXX made in XXXX ; XXXX made in XXXX ; XXXX made in XXXX and all with the following note : '' The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor '' I did call each creditor and also send the Police report to Equifax and Equifax did not update my credit information by deleting fraudulent inquiries.
I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX2014.
My name is XXXX XXXX, and I am disputing a debt through HUD, that I feel OCWEN is responsible for. I have attempted to contact OCWEN and HUD many times. I am in the process of disputing this loan through the treasury department. When the property was sold, the attorney, XXXX XXXX was provided one loan number through OCWEN and I was never notified that an additional payment was due. I was never contacted by HUD representative during the time I owned the property. I feel that I am a victim of predatory lending and in immediate need of assistance as the next steps are garnishing wages. Please contact me as soon as possible.
We put a few notes to the back and they did n't tell us they were accruing interest, so when the time came that all our notes due were paid. We still owed XXXX dollars from interest on those payments. Even though we were paying all future notes on time for a period of about XXXX years. They kept reporting we were late paying and still had an outstanding balance. This interest that was gained on the post dated notes were going to cost us the XXXX plus interest while paying on that. We tried to get it straightened out but to no avail.
I have an account with XXXX XXXX out of XXXX, Ga. that has been in chapter XXXX bankruptcy since XX/XX/XXXX. I 've had several issues with XXXX reporting my account correctly to Equifax. First, XXXX continued to report the account as a charge off account. I 've spoke with XXXX and Equifax many times. The issue still is n't resolved after over a year of me filing complaints. Now, XXXX is reporting the account as a payment that 's past due also. I spoke with XXXX XXXX at XXXX about the issue on XXXX XXXX, XXXX. The account was included in the bankruptcy and had a starting balance of {$2600.00}. I now owe them about {$23.00} and I 've never missed a payment. I 've been dealing with this for over a year now. Equifax has been no help. All they tell me is to call the creditor. Farmers should be charged with fraud.
XXXX, XXXX, XXXX XXXX, XXXX XXXX MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have disputed with this company more times than i written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation i requested 1. When was the account opened. 
2. The first time i missed a payment.
3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. 
They will not release this information to me and its been way over a year. Also i can submitted by mail a certified mail receipt and letter i wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company. I think they are scammers because why would n't they release the information i ask for.
Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.
1. I was 'served ' a Summons and Complaint with the statement " You are being sued. " ; however, there is not lawsuit filed against me. The person delivering the document said, " You are being served. " ; however, in reality I was not being served actual legal documents. I was handed a document that looks like a court document. Their document should have stated they were intending on suing me, especially if I do n't answer their 'summons and complaint. ' Instead they made it look like a court document to use it as a means to intimidate and scare me. There is no court file no listed on the forms nor is it listed as an active case against me on the website for XXXX Trial Court Public Access : XXXX. ( Fair debt collection practices act, 807, 2A, and 812 ). 

2. When I was 'served ', the documents with my personal information were not enclosed in an envelope and this a violation of my privacy rights according to FDCPA. 

3. The company that is threatening me is located in XX/XX/<YYYY> and I am requesting from the company that they are in fact licensed to collect debt in Minnesota.