WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy.

They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you
Transunion is not allowing me to access my credit report online. When I contact the customer service number at XXXX they say that I have to contact Transunion Credit Monitoring department at XXXX. I call that number and they say I have to call dispute department which the number is the same as the customer number of XXXX. I 'm trying to access my credit report and dispute online but error message keeps coming up and been on the phone for 5 hours and unable to get anything resolve because each department keeps saying its the other department fault.
This is my final time filing a dispute against this agency. My patience is thin and I have had it. For some reason Experian allowed XXXX other SSN to be attached to my profile. How does that happen? They removed some of it but not all of it because I believe that some of the information is tied to my credit report and they will not remove it or certain addresses. I have amended my complaint in XXXX County to include them trying to make me responsible for someone elses debt, them adding addresses on there that do not belong to me, with their refusal to remove them, and their refusal to remove accounts that do not belong to me after disputing them continuously since XXXX of 2016. There has already been a court date set and I am prepared to go after the maximum amount that the law allows if this accounts and addresses are not removed off of my account immediately. Experian has shown that they can not be trusted when it comes to reporting accurate information. I have detailed every single person that I have spoken with, certified letters, and I am very serious with this moving onward.
For the past two years I have been requesting copies of the services that was rendered by their client. All I can get is a letter showing account numbers, balance due, name of creditor. Neither creditor or debt collector can show or give a statement of what services that was rendered. ARS keeps on tell me that I owe the so I have to pay it. Please see the attached copies. This information was reported to all three credit agencies.
I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the XXXX XXXX XXXX account XXXX. I am going to provide the removal letter as well for my records. Also, I provide my credit report with the XXXX account on my report as well.
I received a notice from DSG Collect, dated XXXX XXXX, XXXX, notifying me that they were attempting to collect a debt. In response to their letter and repeated auto-dialer calls to my cellular telephone, I sent a letter, dated XXXX XXXX, XXXX, instructing DSG to stop all communication. The letter was mailed to DSG Collect, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX, which was the address clearly listed on their collection letter. Tonight, XXXX XXXX, XXXX, I received a missed call and voicemail on my cellular telephone from " XXXX, '' advising me that he was calling on behalf of DSG Collect and that this was an attempt to collect a debt. This company has already violated the XXXX by using an auto-dialer to call my cellular telephone. Now, they have violated the FDCPA by contacting me by telephone after I sent a written cease and desist request.
A process server has come onto my property which is marked with multiple " no tresspassing '' signs. She claims that she was given permission to do so, she was not. She claims that the paperwork she needs to serve is in sealed envelopes so she does n't know who it 's from. She claims to work for Rocky Mountain Recovery and XXXX XXXX XXXX who claim to be attorney 's in Wyoming but no one has ever seen in a court of law. I have told her I will not allow her on the property with this vague information and she claims the order is signed by a judge which gives her that right ( how can she tell if it 's in a sealed envelope ). I told her if she tresspasses again I 'll have her arrested and seize her vehicle. I 'm also in the process of filing a restraining order against both of these companies as well as this person. She has harassed my son who is staying with me while he recovers from a XXXX XXXX.
A debt collector called me regarding an XXXX XXXX XXXX delinquent account. I explained that the account was not mine and that someone had apparently opened an account in my name ( The account was from a state I previously lived in ). The collector pressed me two times to make a payment on the account even after I had explained someone, other than me, had opened the account. He asked if I was claiming it was fraudulent, and I replied, " Yes. '' However, he continued to ask me to make a payment in order to settle the account.
XXXX XXXX XXXX has not reported on my TransUnion since XX/XX/18 as paid or current as by my report Transunion File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.
On XXXX XXXX I reported invalid credit inquiries to Transunion and XXXX. There are numerous inquiries on both accounts from XXXX XXXX that need to be removed, as they are not valid. I was told they would be removed within 21 days and I have yet to see any changes.
XXXX XXXX XXXX, # XXXX amount of {$790.00} the account was charged off for amount of {$790.00}. On XX/XX/XXXX the account was then turned over to Midland Credit ( MCM ) Management, Inc. MCM account # XXXX. The account was paid in full. but it is showing on my credit with {$0.00} balance showing that it was charge off. When I tried to received a loan or credit they tell me it not showing that I paid the charge off. ; it showing still as a charge off account. this account was settle on XX/XX/XXXX. the reason for this deliquency was a cut in my hours on my job. Why is it still showing as a charge off and not a paid charge off. I know that my race has a lot to due with this. I did not let this stay on my credit I paid it off. I am so sorry for not be able to pay my bill on time, but they cut my salary down to nothing. But I paid off all negatives with my INCOME TAX. I have called them several times they told me that it is going to show up as a charge off, I do n't understand, because it should say that I paid the charge. I had a rejection last week and they told me the same thing until I showed them the letter that MCM sent saying that I paid the charge off. I hope that someone can help me with this situation, if not I will purse other options. Thanks for your time please see attached letter
Caine & Weiner entered into an Independent Contractor Agreement ( Agreement ) with County Medical Services Program Governing Board ( Governing Board ), effective XX/XX/XXXX. The Agreement required Caine & Weiner to promptly undertake the collection of accounts placed with [ Caine & Weiner ] by the Board for purposes of collection, and to use diligence [ in doing so ] ( Agreement, Ex. A, A. ) The Agreement also required Caine & Weiner to use its best effort in providing collection services on all claims assigned for collection. ( Agreement, Ex. A, B1. ) In XX/XX/XXXX, over {$4.00} XXXX in accounts were placed with Caine & Weiner for collection. Caine & Weiner did not make any effort to collect on the accounts in clear breach of the Agreement. In fact, it took until XX/XX/XXXX, nearly six months from when the accounts were initially placed, for Caine & Weiner to inform the Governing Board that they were not going to provide any collection services.

Caine & Weiner claims the accounts placed by the Governing Board did not include provider addresses, which allegedly prevented the initiation of collection efforts. However, this argument fails as XXXX XXXX, Chief Operating Officer of Caine & Weiner, acknowledged in an email dated XX/XX/XXXX, that he worked through the first file of accounts and found 1,200 provider addresses using Caine & Weiners own resources. These 1,200 provider addresses account for approximately one third of all accounts placed with Caine & Weiner. In addition, each of the accounts placed with Caine & Weiner contained a National Provider Identifier ( NPI ) number that allows a  provider address to be located by a simple XXXX search. The Governing Board also provided Caine & Weiner with provider addresses for each of the accounts at issue upon learning of their claimed inability to collect on the accounts. 
Caine & Weiners failure to promptly undertake the collection of accounts constitutes a breach of the Agreement. The Governing Board attempted to resolve this dispute directly with Caine & Weiner through a meet and confer process as set forth in the Agreement. Caine & Weiner participated in a conference call with the Governing Board on XX/XX/XXXX, but has since failed to respond to any subsequent communications.
Today XX/XX/XXXX I pulled my credit report. I seen Midwest Recovery systems reporting on behalf of a payday loan place called XXXX XXXX. States the account was open XX/XX/XXXX. However, I did not open any loan with this company. I did not receive any notification about this debt. When I called Midwest they advised they received the debt XX/XX/XXXX and aren't required to notify me of any debt. They did not mail a letter to the address they have or file, attempt to call nor email the email address on file. They put this on my credit without giving me the change to dispute the debt, nor provide knowledge that a debt is owed. I do not know who either company is and wish to have this resolve immediately.
I am a victim of Identity theft and XXXX, XXXX, and Transunion is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.
On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and yard sustained minor damage, but enough to need money to fix. Oceanside Mortgage sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from Oceanside Mortgage asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX  during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX  credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted Oceanside Mortgage and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with XXXX. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from oceanside mortgage '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.
I went to the university of XXXX from XXXX. I received private student loans from the AK XXXX XXXX XXXX XXXX. Years later, I ran into hard times and filed bankruptcy in XXXX. I had never made a payment on these loans because when the payment became due, it was way too much for me to pay. They were included in my bankruptcy as well anyway. I 've disputed these loans all year XXXX XXXX ) and have disputed them in the past to no avail. TN law states they have to be removed after 7 years anyway. They wo n't remove them. They lie and say I was late on payments in XXXX when I 've never made a payment. They even lied and are acting like they were n't included in my bankruptcy. Either way, please help me clear up their negative reporting that they keep doing month after month after month.
On XXXX I checked my credit report and found BYL COLLECTION SERVICE XXXX XXXX XXXX, XXXX XXXX, PA XXXX reported a bad debt for the amount of {$190.00} that I never herd off. This debt has never been presented to me and I don't understand why it is on my report.
Synchrony Bank calls up to 10 times a day regarding a delinquent credit card account.
On XXXX XXXX my Macy 's credit card information was stolen from a Macy 's store in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. Fraudulent charges were made of {$200.00}, {$210.00} and {$56.00}. Totaling {$470.00} in fraudulent charges. I found out about the fraudulent charges as I am registered to receive invoices/receipts via email. Upon discovery, I called Macy 's to report these charges and to close the credit card account to prevent this from happening again. The representative informed me that if I closed the account I would have to go through the approval process to to open a new account. I informed her that I did n't care and all I wanted was to close the account to prevent future fraudulent charges. She finally confirmed to me that it was closed and an investigation case was started. The case # she gave was XXXX. In addition, the representative informed me that I needed to complete a statement of fraud, which I did and faxed on XXXX XXXX. Since then, I have called them three times and the representatives have informed me that the case is still under investigation. In addition, they have confirmed to me that the account appears closed. On XXXX XXXX, more fraudulent charges were made to the account totaling {$84.00}. I was under the impression that my account was closed. When I called again, the representative informed me that someone within the company decided to reopen the account. Coincidentally new fraudulent charges were made to the account. The company was not able to explain how this happened. Especially an account that is already under investigation for fraudulent charges. I am so tired of dealing with these issues and do n't know what to do anymore. I feel helpless as no one at Macy 's is able to help with this matter. This is all too shady and unethical on Macy 's part. I really hope this sheds some light on Macy 's credit card practices as what they are doing is not right.
I brought item in XX/XX/2016 from macys and within few days I return the item, however at the time of purchase they stated the charge would be placed on the club promotion plan that offers XXXX months interest free. when I made the return the person did not placed the returned on the promotional plan only on the revolving account. I have called many times regarding the issue but its hard to communicate with the representative but they are all in XXXX, when I ask to speak with account XXXX in united states I keep getting routed to XXXX. I have filed a complaint before regarding the same issue and they stated it was resolved. but looking at my statements the issue was not resolved I been getting for promotional balances also looking at the statement I also been charged interest rate charges for return items as well. im tired of calling and asking for account XXXX to review my ACCOUNT. and no one is doing anything about it. I have call to close my ACCOUNT. IM AT THE POINT THAT I DONT WANT TO PAY FOR SOMETHING THAT IS NOT ACCURATE OR FAIR AS cONSUMER!!!!! also you will look at my statement its states that if I paid {$180.00} for XXXX yrs my account will be paid off, than why am I getting charge XXXX????
Portfolio recovery constantly harasses me about some debt or another that i do not owe. I have pulled my credit file from all XXXX major credit companies and took care of XXXX issue that had shown up. It was by XXXX XXXX XXXX. I contacted XXXX about the debt and they said there was no debt on my account or I would not have a cell phone with them. I then file a complaint with all XXXX companies and asked that they take this off of my file. This was done I think over a year ago. All XXXX companies took this XXXX XXXX XXXX fictitious debt off of my credit score. 

I have told Portfolio recovery to quit calling me as per the government web site and advise from my Attorney and they still call and try to intimidate me by threatening me. I have no debt yet about every 3-4 months they pull a soft credit to see if they can get money out of me that I do not owe. I can see that this company has had many complaints and I am not sure why the Federal Government has not shut them down. 

I show no delinquent debts on my credit score. Any issues I may have had are more than 10 years old and had been paid off. 

The phone number used this time was XXXX. I am aware that they have over XXXX phone numbers that they use.
XXXX  has had an item on my credit report for longer than the allowed time. This account was opened in  XXXX  and was paid off, however this company continued to change the account number and each time created a different line of credit to the point where it looked like I had  XXXX  cars with  XXXX . After speaking with them and informing them that this account is inaccurately being reported as opened in  XXXX  when all the contracts state  XXXX . They removed the other accounts yet left an incorrect account on my report that shows opened in  XXXX . Furthermore this account was paid in full and yet they have it being reported as a repossession. I have filed dispute after dispute with the agencies and they have never investigated thoroughly to see the account was opened in  XXXX  and not  XXXX . This mishap is causing this to still appear on my credit report and is making it hard to maintain my security clearance because time after time they are wondering about a toyota account opened in  XXXX  and all my documents show  XXXX . Please remove this, there is no balance owed to the company and this vehicle was pif yet they reported it as repossessed. Please just remove this item so I can move on and it can stop interfering with my military career and security clearance. I previously spoke with  XXXX   XXXX   XXXX  regarding this issue and was promised resolution but have yet to see it.
I sent a letter to the credit bureaus on XX/XX/XXXX. In my letter, I identified 5 accounts that were reporting erroneous information, and asked the credit bureaus to correct those items. It is my understanding that the credit bureaus are required to investigate the disputed accounts and respond with the results inside of 30 days. I have not received a response from any of them. Today is XX/XX/XXXX, and that is 40 days since my letters were mailed. I am going to attach a copy of the letter that was sent to them.
This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be deleted from my credit report as soon as possible : XXXX XXXX COLLECTIONS INAlert Date : XX/XX/2015Source : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XX/XX/2015Balance : $ XXXXBalance Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXXPlease delete the above information as quickly as possible.
I called to schedule a payment for XXXX XXXX XXXX as well as to schedule a payment on apast due balance. Lady worker said they where busy and would call back. I never received a call instead I checked my bank account and 4 chargers where placed on my bank account. Previously, company ACH my bank due to a payment I apparently was behind. I had paid off the balance and them as workers did not set the money towards the payments as per the manager. She then stated I should refinance which would eliminate the problem. I didnt know that I had to reborrow and pay more interest just to fix there issues. They stated I would get a refund and till then have never got it. They keep saying the district manager is  working on it but I never here anything.
Ability Recover Services, LLC has repeatedly reported to the XXXX credit bureaus that I owe a debt that was paid to the original creditor by insurance. I have called them 4 times to resolve the issue and after they stated they would remove the debt from my bureaus, it has now reappeared on XXXX. When I call them to ask them why, they tell me that I " probably '' still owe the amount even though they have sent me an invoice that shows it was paid by insurance to the original creditor. The original creditor submitted an invoice to me that shows that it was paid as well as their payment company, XXXX. My last communication with Ability Recovery Services was today XX/XX/2016, over the phone where the Manager stated to me that I needed to speak to the person who is handling the account who is under here and that she believes that I still owe the money even though there are " paid '' invoices on file. When I tried to explain to her that I had received an invoice from the original creditor as them showing that there was a XXXX balance, she put me on hold for over 20 minutes. I have sent this company a request for validation of the debt pursuant to the Fair Debt Collections Practices Act 15 USC 1692g SEC. 809 ( b ) by USPS mail with signature required delivery but they have not responded to that request. They have only sent a generic letter or verification which ironically had the invoice that shows the debt was paid. On XX/XX/2016 their representative XXXX stated that the error would be removed from my credit reports and that it would not be put back on them. On XX/XX/2016 I received a notice from XXXX that the debt was placed back on my report by Ability Recover Services LLC. To date, they have continued to tell me that I need to contact the credit bureau 's and dispute with them and the credit bureaus tell me that I need to call the company that is reporting the negative file to have it removed.
In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and  XXXX XXXX. these accounts are not mine they belong to my wife.