WillisBack/dataset-financial-user-claim huggingface dataset:
I have called and attempted multiple Disputes to have this removed from all of my credit reports, with it still showing up on at least one, XXXX in general, and I explained to them that my father and I share the same name, and we have had our identity 's crossed up during medical visits and they use my social security and account instead of his. I have n't been to the hospital or to a doctor in two+ years to even accrue  medical collection, nor did I receive any bills via Mail. I would please like to have this removed from my Credit Report. I have been rebuilding my Credit Scores for over 2 years now and It looks bad to have this small debt lingering on me. I had even set up a monthly payment plan to pay it off just to remove it. They took out 3 monthly payments of {$25.00} then it all of a sudden ceased. Once again, Please have this removed I will greatly appreciate it. <P/>
Here 's the Information of the Debt.
<P/>
Collection Information Account Name Date Reported Date Opened High Credit Balance Acct. Type Account Status Past Due Account Number Client Credit Limit ECOA Last Past Due XX/XX/XXXX XX/XX/XXXX XXXX XXXX UNRATED XXXX XXXX XXXX XXXX-XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CONSUMER DISPUTES THIS ACCOUNT INFORMATION MEDICAL UNPAID AMSHER COLL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CHG OFF XXXX MEDICAL I XXXX XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX PLACED FOR COLLECTION Company Name Phone Fax Address, City, State, Zip AMSHER COLL ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
I 'm doing this thing with active hours and my bank. chase is not sending stuff on a timely matter my account is not being processed properly my bank is located on XXXX XXXX in XXXX  ohio it takes a couple of days to process stuff like sending my info or depositing money into account
In 2014 I was unable to make timely payments on my XXXX XXXX account which was serviced by Citibank. The account was referred to collections and charged off. I hadn't been able to make suitable arrangements and each month the account updated as being paid late although no payments were expected since the account had been charged off. 4 years later I received a XXXX indicating the debt has been cancelled. I had not been contacted for any collection activity on the account in 3 years. The account is now handled by XXXX XXXX XXXX XXXX. Since this account was originally charged off, how is it now considered forgiven debt when the original creditor wrote the debt off as bad debt already?
I requested documentation from XXXX XXXX XXXX ( XXXX XXXX XXXX  ) concerning a debt you have listed on my credit report with you agency. I have request multiple times through the XXXX XXXX XXXX XXXX that XXXX XXXX XXXX refuses to provide legal documents according to the FCRA and FDCPA law and regulations. This included being denied copies of any signed contracts, accounting and statements to prove the debt they are reporting- Without proper documentation this information is being reported to my credit report illegally and I ask that it be removed today
I have a a unverified account from AARGON AGENCY. I had previously disputed this account. I have never done business with AARGON AGENCY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
i had trouble with nation star mortgage for over a whole year to resolve a simple issue to remove a litigation code from a file in their dept that was removed already and verified by another supervisor. they would n't give me any info on the file even though i did n't have any council assigned. now after a year i got to talk with them after the code was removed i saw that NATION STAR MORTGAGE filed a satisfaction of mortgage with niece. this doc was available in across. I downloaded the doc and sent it to them for verification, they 're still showing that i have a mortgage with them. it 's over 2 weeks now since i sent them the document and been calling them almost every day with no response as to why they have n't verified their own document. They sent it to a research team that ca n't be reached but only internally. I ca n't get no phone number or email for this research team. so I 'm just stuck with a satisfaction of mortgage saying the mortgage has been discharged, but nation star still has a mortgage with my name on it. I verified my credit reports and the mortgage has been removed. I need help, i ca n't wait for a year for them to verify in their dept a document their company filed
On Sunday, XX/XX/2017, I received an email from XXXX. XXXX is a credit monitoring/money budgeting service that I use to keep track of my finances. The e-mail they sent me was for a new credit monitoring alertstating that I had added an authorized user to my Capital One credit card. Only there was already a problem thereI have never even applied for a Capital One credit card. I was alarmed to say the least. I called Capital One using the general service phone number and the menu prompted me for either my card/account # or social security #. Because I have never had an account with Capital One, I tried putting my social security number in, followed by my birthday. To say that I was unpleasantly surprised when the machine responded with, I have found your account, would be an absolute understatement. I was LIVID. I grew even angrier when the machine told me the balance was {$14000.00} and that my next monthly payment would be due in the amount of {$300.00}. I was so confused as to how someone got my information, opened a card, charged {$14000.00} and got away with it. I have been taken advantage of. How come Capital One never sent anything to my home address regarding my account? What email were the alerts from them going to, if there were any? I have four credit cardsXXXX, XXXX XXXX XXXX, and two Chase cards. Along with that, I have a private student loan with XXXX XXXX XXXX, as well as a government loan. Finally, I have a leased vehicle through XXXX XXXX XXXX. I work full time for a mortgage company and have been here for the past 3.5 yearswe deal with credit and credit monitoring CONSTANTLY. To say that I am on top of my finances is also an understatement at best. I need this figured out because I have no idea how long this has been affecting my credit. I have pulled my own credit report twice in the past year and have not seen Capital One reporting, which is what also alarms me. Please do the research and listen to any calls and review any correspondence you have with mebecause unfortunately, it was likely not me.
they Experian, XXXX and XXXX refuse to send me my score and credit report they want to charge me a fee monthly
I am writing in an effort to get my mortgage servicer, and by extention, my PMI provider, to automatically cancel my monthly mortgage insurance premiums. I have been in touch with AFR-American Financial Resources on many occasions over the past several months. Initially to request that my PMI be cancelled once my LTV reached 80 % and then, because they were making my life so difficult, I decided to wait until it would be automatically terminated. Or so I thought. My understanding is that, as long as my account is current, and my payment history has been clean, and my Loan to Value ( LTV ) breaches 78 %, the PMI is required to be terminated immediately. I called at the point that it reached 78 % and was told many reasons why it was not applicable. One representative told me that I had not reached the chronological midpoint of my amortization schedule, and that until that happened I would not have the PMI automatically cancelled. Another told me that they received some indication that the value of my home had decreased in value from the point I had taken the mortgage, and for that reason I would not be able to cancel or terminate the PMI. My understanding of the Federal Law is that once I breach 78 % LTV ( it is now 75 % ) they are obligated to terminate immediately. I do not believe either of those reasons are relevant in this case. Those are items that come into play if I am requesting that my PMI be cancelled ( at LTV 80 % ) My fear is that this is not an isolated incident, and that many other folks are having the same experience, perhaps less able to pay this unfair and added charge, Even if it turns out to be 1, 2, or 3 additional payments past the 78 % LTV mark, if you consider the number of potentially affected mortgages, we could be talking about tens of millions of dollars in unwarranted payments. Thus the size of this potential windfall might be a motivating factor in delaying the required termination process, which of course sets up the possibility of a class action offense. There is much more detail that I could provide, and several unkept promises from the service desk during this unending process, but the information mentioned above are the key facts.
I was refused a modification to my Loan with Wells Fargo Mortgage. It hasbeen over 2 years and I have not missed a single payment and not late on a sinsingle payment. I tried to tell them my situation had changed but theyrefused to work with me. I think the foreclosed on me unfairly. I want a new loan onhouse loan and my VA eligibility back. They said it was because of my taxlien. Still have lien and no problem
XXXX, XXXX, EXPERIAN ALSO XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION IN MY PERSONAL NAME. THESE COMPANIES ARE IN SO MANY VIOLATIONS THE DOCUMENTS IVE ATTACHED PROVES IT
Stellar Recovery still has me in collections, and this debt has been paid to the original debtor, for months. And I disputed the account and it has not been removed from my credit report. I have submitted a second dispute.
On several occassions I contacted SallieMae and Navient regarding difficulty in making payments. Sallie Mae had told me on one occasion that my loan was not eligble for forgiveness because it was initiated before XX/XX/1991, even though I qualified in XXXX area, including teaching ay-risk students in non-profit intitution, in an urban area. Both servicers offered forebearance, and never offered any repayment options. I beleive my loan has been in forbearance a total of 10 times. I dont rememberdate as this has occurred over 12 years. At one point my loan was {$9000.00}. Now it is up to {$20000.00} because representatives at Navient recommended forbearance.
In regards to my intial complaint # XXXX, regarding chase charging me numerous overdraft fees and those fees cascading into more fees, and being told by chase they would n't do anything to help even though the information on my online banking was not accurately reflecting my balances, chase has now lied to me directly. 


Two days ago I went into my branch and complained about this overdraft fee fiasco and the branch banker said she had absolutely no power to reverse fees because chase has in the past ... she did not care that past fee reversals were because of bank errors, hacked XXXX accounts, chase putting a hold on a chase quickpay payment to me because of it 's security concerns ... .none of those things mattered as I was smuggly told I have had too many fees reversed. She said she wanted to but the system would n't let her. Well yesterday I called chase corporate to file a complaint and the gentleman that helped me there decided to reverse half of the fees XXXX dollars ( yes, chase has charged me over {$150.00} in fees in the last few days because of a few dollar overdraft that really was n't my fault ) when I asked him if I was eligible to have fees reversed he completely contradicted the banker at my branch and said my account was eligible ( though he chose to only reverse half of the fees because he too said ... can you guess? ... he said my account was n't eligible for more reversals. ) So now chase is actually lying about it 's ability to reverse fees, while continuing to not give a hoot what caused the fees. I mean, it did not matter at all what I explained. Clearly the policy of Chase is to now lie to it 's customers about it 's lack of ability to reverse a fee. It is also a policy to simply say that the computer system does n't allow reversals ... no matter the circumstance. This is now bordering on actual fraud. And I 'd be more than happy to share all of this information as I 've documented every conversation I 've had, phone and personal. 
Further more ... .for some unknown reason, my overdraft protection is not kicking in like it normal does. ( there is enough to cover the intial overdraft, but it did n't kick in ... .Chase did n't care when I explained this to them ) Oh wait, but that is not all ... ..the gentleman at corporate told me the exact amount to deposit into the account to avoid anymore fees. So I deposited that and a bit more as soon as I got home from work. And when I got up this morning guess what I found? Another fee that has overdrafted my account once again!!! 

This is fraud, theft, and abuse. Seriously, how can banks get away with this?
I was XXXX for a XXXX XXXX that had a savings account which went inactive. I was not notified that it was 'dormant ' and that a fee of $ XXXX/mo was being deducted from the account. When I went to close the account, the balance was {$160.00} less than I expected due to dormant fee. 

The bank was under different ownership when I opened that account ( XXXX XXXX XXXX ). I do not recall this being explained when I open the account in 2002. The bank said it was my responsibility to check the balance even though to online statement nor mailed statement were being sent.
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GMFNANCIAL with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX / XXXX - XX/XX/XXXX.
There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.
I got a letter today, XX/XX/XXXX, from RSI enterprises inc., saying that it was attempting to collect a debt from the DC office of tax and revenue. It says that I owe {$4900.00} for a tax period end date on XX/XX/XXXX. It then directs me to pay online XXXX. The issues include:XXXX I did not live in Washington, D.C. during the XX/XX/XXXX tax year, so I do not owe this debt. I would attach a receipt for my XX/XX/XXXX state tax return for the state where I was living, but I do n't want to give RSI more of my personal information. 

XXXX. If this even is a legitimate debt collector with bad data, and not an outright scammer, a ) this is the XXXX I 've heard about this issue -- has this hurt my credit because they notified me 5 years after the data error was made? b XXXX it says the principle was {$2400.00}, the interest is XXXX, and the penalties are {$600.00} -- they essentially XXXX the supposed debt? No wonder they did n't try and tell me sooner that they thought I owed this -- they could charge more interest/fees. 


XXXX. I am split on whether or not this is even a legitimate debt collector. " OfficialPayments.com '' is the most scammy sounding website I 've ever heard of. This is exactly what scammers do to try and trick people -- send official looking letters with threats of owed money, and then tell them to send money through sketchy .com websites. 

XXXX. The letter includes a logo for the " XXXX. '' If RSI Enterprises, inc. is actually a member -- they would have a ) a legitimate website, b XXXX better data. If they are a member of the " XXXX, '' they should be kicked out.
TransUnion has made multiple request for ID info when this was verified in the initial communication and both subsequent responses ... This is clearly in violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX TransUnion XXXX XXXX  XXXX XXXX PA XXXX XX/XX/XXXX XXXX : File # XXXX To Whom It May Concern : This request, the second in as many months, for verification info is a delay tactic since this information was provided with initial letter. You are in violation of the 30-day requirement to respond Immediately remove disputed items. Please find enclosed the identity info requested. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX TransUnion Escalation Department XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : FILE #  XXXX To TransUnion Escalation Department : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from XXXX  regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following item / items can not be verified, please delete it / them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX How is TransUnion able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XX/XX/XXXX, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please sent me a complete updated copy of my credit report. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
I submitted a dispute online through Experian in XXXX for late payments with XXXX XXXX. the dispute was resolved electronically as item remains the same. I then wrote a dispute letter directly to XXXX and received a response and letter stating the information they reported is wrong and they will update the late payments to current and paid as agreed. The letter was dated XXXX XXXX XXXX. I waited for the bearueas to be updated. XXXX and XXXX updated the account payments from late to current but not Experian. I called Experian today and spoke to XXXX and told him I received a letter for the corrections and that the updates needed to be done on my Experian report. He said I have to send a dispute and they handle it electronically. I advised him that I needed to send the letter to a physical person for them to verify the information so the late payments can be removed and he said no. he said I had to file another dispute. I told him that I do n't want an open dispute on my credit file and I had already disputed and received a response from XXXX. He refused to help me, He only gave me an address, I asked for a supervisor and he said for what because a supervisor wont help me and will tell me the same thing. I am not happy with the situation and I need this account to be updated and correted as the letter states from the lender. 
filing an electronic dispute will only yield a dispute comment placed on my credit file and will not fix the problem. Experian needs to accept the letter from the lender and verify the information just as if I were a mortgage company requesting a rapid rescore with valid documents. but instead I am treated like trash and my rights as a consumer have been violated. I asked for his complaint department and he said they wont do anything. I offered to send a copy of the letter for him to verify and he declined. he said it all had to be electronic. I would like a response and the XXXX XXXX late payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to be updated as current just like the letter shows it should be manually and not through filing another electronic dispute.
I have been making additional principal payments on my mortgage. I send XXXX separate checks each month, because I do n't trust them. I noticed on my statement that instead of crediting me {$300.00}, they credited {$290.00}. I called them and asked about it. They noticed it on the previous month as well. They refused to accept copies of bank statements and insisted that I go to my bank and get check copies, front and back. I am sure they hoped I would just drop it. I am sure they are during this to many, if not all of their customers, which could total into XXXX dollars over time, which is why I am continuing to pursue this.
I have disputed three times with target and XXXX that target has a secondary account reporting to my XXXX credit report. I also recently sent out a 609 letter via certified mail. I only have one account with target. This account has a high utilization and is bring my credit score down. The amount on the account  is {$250.00}. This in incorrect. The incorrect account was last reported on XXXX XXXX, 2017. The account contains 5 missed payments as well. I would like this account removed. My target account that I own has a reporting balance of {$0.00}.
I recieaved a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XXXX 2016. I called XXXX on XXXX XXXX, 2016 and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from XXXX showing what is was for. On XXXX XXXX, 2016 I was sent a ledger as proof from XXXX which was now over 60 days later of me entering a dispute. What XXXX sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me.
I submitted a dispute with trans union on XX/XX/2017 and it is still pending. It is with XXXX XXXXXXXX XXXX. I had sent XXXX XXXX an affidavit of fraud as well back then and they have not gotten back to me as well. I can not file any other disputes at this time because this is taking so long.