WillisBack/dataset-financial-user-claim huggingface dataset:
I have multiple errors that I have been working hard tohave equifax fix but theyrefuse to help me and I dont know what to do bc I 've consulted with the bank the provide me a letter about a 30 day latepayment with XXXX banks bc of the type of bill payment check from XXXX. 

Also I have a fraud collection that equifax repeatedly re-reports but with a higher balance. I feel as if Equifax and the collection agency are in bed with each other and taking money to keep stuff on consumers reports no matter the case. 

I need these lates remove by equifax and the collection gone. I see they 're getting fined and sue bc of misleading on credit scores .... maybe this will be next.. I hope not but the evidence is piling up bc the other XXXX bureaus investigated and updated.. except EQUIFAX.
Chase United Visa sent a fraudulently requested card to an address in XXXX, Massachusetts without confirmation from us first. The Chase Visa representative said that the phone number the criminal was calling from showed up as my cell phone number and they used my husbands name and bank where payments are sent from. Chase did not ask any other security questions.
I am filing this request because Transunion as ignored my request to provide me with the documents that their company as on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified. '' Please resolve this manner as soon as possible. Thank you.
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 

1. XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 4/ XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5.  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) 5.XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards
This ERC company do n't understand that I already settled this bill with XXXX XXXX XXXX this is unreal I lost so many point over this I should not have no att bill at all the only bill I had with att I already paid off so I do n't get why they keep harassing me
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Capital One numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Capital One XXXX XXXX XXXX Sincerely, XXXX XXXX
Ocwen is our loan servicer and XX/XX/XXXX my husband lost his job, I called Ocwen to explain we would be late they said to pay the late fee and get it in as soon as possible. Feeling nervous I applied for a payday loan to pay my mortgage at a huge percentage rate now I owe them as well I was able to make XX/XX/XXXX payment and a part of XX/XX/XXXX. Now as my husband was hoping to get unemployment he started to redo his XXXX when he suddenly got sick.. he was up and down and our mortgage was not getting paid because we had to survive somehow. when things would look better he would get sick again and go downfor 2 weeks at a time. all the while I was explaining this to Ocwen who just kept giving me amounts to pay and deadlines to get caught up.Finally on XXXX my husband woke up to XXXX. the pain was so bad he couldnt stand if he wanted to. I brought him to emergency and that was the end of him working. I told Ocwen and spoke to a hud counseler whom did not make me feel any better. I then filled out the modification package and sent them everything, receipts from my renters, tenant rental contracts my paystubs taxes for XX/XX/XXXX and XX/XX/XXXX everything and some.. Loan number on top of each page I faxed and sent hard copies. 8 days later I received a letter saying they were sorry to say but our owner of our loan does not do modifications.. excuse me? They knew this when they first started working with me regarding modifications.. now its been 6 months there is a tentative sale date on my home of 20+ years on XX/XX/XXXX. They knew this about the investor of the loan, so they wasted 6 months in telling me they will work with me save our home, do n't worry when they knew all along what the outcome was going to be. As far as Im concerned that the time I have wasted collecting paperwork, filling out and sending in the package I could have been looking into other sorces of income and help. Ocwen said there is no sale date but its been recorded. Ive heard from a legal firm that XXXX is the date of course Ocwen says there isnt a date but can there be one and they are just pulling my leg..? I dont know but what I do know is after all the investigating I have been doing I am now extremely knowledgeable in the default and foreclosure process that I am not going to lose my home.. My husband is now XXXX I have XXXX renters and another staying on my living room couch just to make ends meet.. I am a XXXX year old woman and this sorry loan servicer will not take my property without a fight.
I paid this debt on XXXX/XXXX/2017. Was told by collection agency that they would notify all XXXX credit bureaus and would have it removed. As of XXXX/XXXX/2017, this debt is still on my credit report. Spoke to customer service and I 'm only getting the run around.
In XX/XX/2012, I completed a Voluntary Repossession of a vehicle. I turned it in because I went to XXXX for 6.5 years. the company closed out the account and reported it as a closed account, repossession, etc. THAT account is about to fall off of my report. 

They then passed the account to a collection agency. They continue to report an open account, past due, each month. 

Is it legal that an account NEVER ages?? Can they continue to harm my credit on something that has been over with for nearly 7 years? What are my rights? How can I get the collection agency to stop reporting on my credit? 

It is the only negative left on my credit report. I could get a fresh start after spending 6.5 years in XXXX on an XXXX XXXX as ruled by the Utah Court of Appeals in XXXX of this year. 

PLEASE HELP. Name of Collection Agency is XXXX XXXX XXXX in Utah. 

Thank you.
XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. Transunion, XXXX and XXXX. Please assist with having this information remove from my credit file. The information do not have my name on the debt. 

Thank you, XXXX XXXX XXXX
United Recovery Systems called my land line at XXXX on Wednesday XX/XX/2017 looking for a XXXX XXXX. I told them that he did not live at this residents and I did make the mistake of telling the collection agent that he is my father. At this time the agent try get me to take their information down and I refused twice. I then told the agent what they were doing was unlawful and the need to contact XXXX about his debt and not me. The agent 's reply was that he had left my land line number as an alternative contact number. I then informed said agent that I have only had the number a little over a week and not even XXXX has the number. At this point the call ended.
I purchased an apartment 7 years ago and I got a ballon mortgage. My mortgage was for {$180000.00} USD. Now I want to refinance my mortgage and the bank told me that I can not do that because now my apartment cost a lot less that when I bought it. I called the bank to request a mortgage modification, and they told me that the modification will affect my credit because, even though the account is up to date, that arrangement was not accorded when I first took the mortgage. What are my options? Is that even legal?
In XX/XX/2017, when I bought a home and moved from XXXX apartment before a week to expire the lease but paid fully, I and my family cleaned the apartment very nicely. She had to return the security deposit of {$890.00}, all or some. Instead, she sent me a bill of {$2000.00} and she said that she has paid that to clean my apartment and that {$1100.00} is left over after deducting the security deposit of {$890.00} as per her. We had left the apartment in clean conditions and she did not spend any money to further clean. I asked her to show me the formal proof of payment or proof of expenditure to clean the apartment, she was not able to show any evidence of payment made to clean the apartment. And there was nothing mention in the lease about the post clean of apartment if it was made too. She was simply taking advantage of simplicity of me and my family to make us pay. I told her, " Regardless of nothing mention in the lease about the post clean of apartment, I will pay if you have a proof of payment made to clean the apartment ''. She had no any bill or any thing. Here she is not honest. She is simply trying to make me pay.
I was involved with identity theft and sent my FTC report and police report to the credit bureaus and nothing has been resolve. XXXX XXXX XXXX is saying i owe {$4200.00} and i never lived in Texas nor had a Texas identification. Identity theft is something serious and I feel that the credit bureau did not take care of this matter
There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XX/XX/XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.
Date is XX/XX/2018 Gave verbal communication that I was disputing the debt. XXXX XXXX proceeded to tell me that it not valid and it has to be in writing. I requested the address to send in written documentation and he responded with a poor attitude. Telling me that they already sent valid information about the date. I suggested that nothing was received and if they sent anything it was only a Dunning Notice. 
I asked him to change his tone or manner he is handling the call. Then requested a manager. He only sent me to a supervisor. The supervisor said they had no managers on staff they are gone for the day. I also informed her of my dispute of said debt.
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY SERVICER THE MONEY SOURCE, I HAVE PROVIDED ALL DOCUMENTATION AND ON XX/XX/18 THEY HAVE INFORMED ME THAT MY REQUEST WAS CLOSED OUT DUE TO THE XXXX NOT HAVING MY PHONE NUMBER ON IT. I CONTACTED THE IRS TO ENSURE THEY NEED A PHONE NUMBER ON THE XXXX AND THEY SAID NO, THAT IS OPTIONAL. THIS MEANS THAT THE MONEY SOURCE IS TAKING UPON THEMSELVES TO GENERATE GUIDELINES THAT HAVE NOTHING TO DO WITH FEDERAL GUIDELINES. I HAVE A SALE DATE ON XX/XX/18 WHICH THEY SHOULD HAVE POSTPONED DUE TO BEING COMPLIANT WITH ALL DOCUMENTATION, THEY ARE STATING THAT THEY WILL NOT REOPEN MY REQUEST DUE TO I THE PHONE NUMBER WAS NOT ON THE XXXX. THE REPRESENTATIVE I SPOKE TO XXXX EVEN WENT AS FAR AS STATING THAT THE MONEY SOURCE WAS NOT GOING TO TAKE THE XXXX BECAUSE I TYPE MY NAME, ADDRESS AND SOCIAL SECURITY INSTEAD OF HANDWRITING IT IN.. THIS IS OUTRAGEOUS THAT I AM GETTING CLOSE TO LOSE MY HOME DUE TO THE MONEY SOURCE HAS NO TRAINING ON FEDERAL LAWS!! I REQUESTED FOR A SUPERVISOR AND WAS TRANSFERRED TO XXXX XXXX ID XXXX AND HE STATED THAT HE WILL NOT DO ANYTHING AS HE DOES NOT KNOW ANYTHING.. HOW DOES THIS HAPPEN?? ALL HE KEEPS SAYING IS TO SEND A XXXX EVEN THOUGH IT IS THERE AND WAS CONFIRMED. I WILL NOT BE A VICTIM TO UNEDUCATED INDIVIDUALS THAT SHOULD NOT BE WORKING FOR A SERVICER THAT WAS NO TRAINING ON MORTGAGES.
Scott Lowery Law office contacted me about a alleged debt that supposedly I owe, I immediately responded back by mail to dispute the debt and to obtain verification and proof that I owe this debt. The paperwork that they sent back to me was arranged in a matter to represent a court filing and had my local courthouse name and address on it but no case number. 

The documentation provided was obviously forged because the contract they sent had multiple signature dates, no signatures and other fabricated. documents and documents with no reference to the original account number and no direct link to me as the creator of the debt. I sent a certified follow up letter disputing the information that they provided and have not received a response back yet.
I have an outstanding balance on my credit account with Synchrony Bank. My last payment was a substantial portion of the principal balance. I missed my last payment and have since become a victim of what I believe to be illegal collection practices based on the information provided on the ftc.gov webpage. They are repeatedly calling my phone up to XXXX times daily. I believe they should be held responsible for inappropriate collection practices, and I intend to withhold payment based on this principle.
the credit Bureau ( s ) are reporting a charge off account that is not mines. They are violating the Fair Debt Collection Act.
XXXX XXXX  of XXXX XXXX XXXX  called me onXX/XX/XXXX and told me that the call was being recorded and he is calling about my credit account with XXXX XXXX XXXX XXXX. I told him that I don't owe any money to anyone. He confirmed my name and insisted that I do owe the money.. He went on to ask if we can settle this matter today. I hung up on him because I got a call from this company earlier in the week. I told the caller that I don't have a XXXX account ; he asked if my birthday was XX/XX/XXXXand I told him it wasn't. He told me that he will take my number off of the list. I don't own any explanation to anyone about my bills, which are in good standing, and, they should know who they are calling before they turn on the strong talk.
My XXXX student Loan was bought by Pioneer Recovery. They did not call, send a letter, or notify me in anyway that they would start garnishing my checks. My HR dept. at work notified me that my check would be short due to garnishment. I called and they told me that I would have to get information from the Dept of Education on what loan they are garnishing for. Now that they are garnishing they keep harassing me to sign up for their repayment program.
I am filing this complaint against Navient due to their failure in offering repayment options and advising my loans to be placed in forbearance. When my loans came out of deferment in XX/XX/XXXX, it was suggested by a representative of Navient that consolidation was my best option, even though some of my loans ' interest rates were extremely lower than my current interest rate. After consolidating in XX/XX/XXXX, a representative calculated my monthly payments. Based on those calculations, my payments were just over {$1600.00}, which I struggled to pay. After asking a Navient representative if I could get those payments reduced, I was advised that forbearance was the only option until I could determine how I could afford those over {$1600.00} payments. I was not given any other option for a reduced monthly payment. In fact, I sought financial help, and it was at that time I Iearned of the different repayment options available. When I eventually enrolled in a repayment program in XX/XX/XXXX, my payments were extremely low, about {$100.00} to {$150.00} a month. When I questioned the payments, I learned that they were calculated on tax returns from year XX/XX/XXXX, I was still in school, and my income was vastly different in XX/XX/XXXX than in XX/XX/XXXX. How could Navient overlook this error? Was it intentional? Upon recertification in XX/XX/XXXX, I learned that my payments had ballooned to over {$1000.00}. This was due to yet another failure of Navient to thoroughly inspect paperwork properly. There are multiple failures by Navient and their representatives that have led to capitalized interest of over {$50000.00} in 2 years. These failures on behalf of Navient are predatory lending practices, that have truly caused me severe XXXX. I have become sick, and even fell into a XXXX state, as this dark cloud of debt does not seem to be clearing at all. I have been forced to move in with family as I struggle to make these monthly payments. 

What can be done to correct the failures and predatory practices that I have experienced with Navient?
my medical information was given to a third party without HIPPA released forms without my consent. I have requested that the above be moved off of all of the three major credit bureaus.

however two of the major credit bureaus refuse to take them off. ( XXXX XXXX )
I was a customer of the XXXX XXXX program where they submitted payments to the mortgage company on your behalf in an effort to pay off your mortgage earlier. The program worked great until they were sued. XXXX sent me an email letting me know they had been shut down but they already had my funds and they would make my payment. XXXX never made the payment and before I realized they did n't I was reported 30 days late with Caliber Home Loans. I have tried to dispute the charge but they refuse to remove it from my credit report. They said it is my fault I used a XXXX party company. I have filed XXXX disputes with Caliber home Loans and XXXX disputes with all three credit bureaus. Caliber refuses to remove it despite my good payment history in the past.
I went to this XXXX around 6 years ago and before having any procedure performed my insurance was verified By the XXXX and after any procedure was done I had paid my portion of the costs. 3 months after the procedure had already been performed I had lost my job and the insurance company decided not to honor their portion of the bill. The XXXX decided, even though they had verified my insurance prior to the procedure, that the bill should land on me. It 's been in collection ever since. Also, the collector seems to be tacking on an extra XXXX dollars to the debt each year the debt is unpaid. I have not once been contacted or received any documentation from the collector. I only know about it because of checking my credit score. I had previously disputed this debt with the credit agencies, but for some reason it seems that the collector had provided some sort of proof. Regardless of what that proof is, I do not agree to have the responsibility of this debt. This XXXX had verified my insurance prior to the procedure being performed and I would not have had any procedures performed without having insurance in the first place.
After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX  credit file and find that my personal information was breached.
After I denied the medical bill to the collection agency ( Med-1 Solutions XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. His collection agent informed me that they could get a judgment without me being notified or without me being in court. After several attempts to have my day in court to present the same documents that I presented to the collection agency and the same documents that I presented to XXXX XXXX Hospital disputing the charge is the same documents that I wanted to present to the courts. 

However, it is very clear that the Collection agency have taken legal action without my knowledge. I was not notified of a court date by the collection agency.
XX/XX/XXXX i went to see XXXX XXXX for XXXX to have XXXXXXXX  removed from my XXXX i signed a formed that stated he would except what ever my insuraance paid him on XX/XX/XXXX i had the XXXX  the dr was paid several times by my insurance XXXX and XXXX XXXX XXXX after further investigation the insurance discovered he was over inflating the bills and not license to do XXXX under XXXX XXXX in his office as there was no safety net in place if something went wrong and refused to pay the dr any more claims. 1 year later XX/XX/XXXX i get a notice from a collection agency INDEPENDENT RECOVERY RESOURCES i then reached out to the company and explained that in these bills there are no payments attached for service and do they really believe a XXXX XXXX cost XXXX and {$240000.00} I went on to explain that my XXXX  was so XXXX that i had to have another XXXX two more times and XXXX XXXX XXXX off my XXXX XXXX   from the mess XXXX XXXX did. There are bills dated for days that i did not see him and bills dated long after I moved out the state of XXXX XXXX i was living in XXXX from XX/XX/XXXX till present I would like to have this case investigated for fraud there are multiple items listed on the same date on 2 differents as 2 different things,
EOS CCA IS STILL MAKING phonecalls to my place of work after I told them not too - AGAIN and REPEATEDLY violating the FDCPA, you have done nothing and they STILL CONTINUE to BREAK THE LAW!!! STOP THEM FROM BREAKING THE LAW ANY MORE AND FINE THEM ACCORDING to the FDCPA. What good is this law if they dont follow it and you dont enforce it? Justice needs to be done. This is my third demand from you. I will always keep looking out for my rights - I highly suggest you do your jobs this time. EOS CCA NEEDS TO BE PUNISHED ACCORDING TO THE LAW. STOP CALLING MY PLACES OF EMPLOYMENT. I have documented proof they broke the law on XXXX occasions even with their incomplete records.
I got a credit alert from several of my monitoring companies for a credit card that I do have from synchrony bank. It was a paypal MasterCard. I 've been a loyal customer since 2010. I called to inquire about the 30 day late and was told I did n't have one. I then asked to speak to the manager and was put on hold. The call disconnected. A couple days later, I received a few more alerts, alerting me that my account was closed. I did a direct dispute with  XXXX . That 's the only report it 's on. The other   XXXX    Bureaus show no latenesses.   XXXX   claimed the information was verified. I ca n't dispute again.