WillisBack/dataset-financial-user-claim huggingface dataset:
This was a joint account ( XXXX ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 14
I arrived to this country on XXXX/XXXX/XX/XX/XXXX and XXXX is trying to bill me a debt dated on XXXX/XXXX/XX/XX/XXXX owed by a person named like me but not in my address. The difference is in the apartment number. XXXX already opened a collection using XXXX collection company that I solved last XXXX, XX/XX/XXXX when I contacted XXXX and sent to them all my information. It is supposed to be solved when XXXX XXXX sent back the wrong information to XXXX. Now, collection appeared again in my credit report but now XXXX issued to Convergent Outsourcing. I sent my personal information to XXXX and I told them about their mistake but they sent to me a form of Identity theft and they asked me to send them back a police record report, as if someone had used my information, but this is not the case. They do not take on their mistake. At the end, I did n't accept that. Why do I need to spend my time and my money getting that documents when they made the mistake. I do n't know how or why this debt was linked to me, and how XXXX got my personal information because I never have had an open account with them. They did a bad job and now I have a collection in my credit report that have been affecting my credit score almost 2 years. I wanted to sue XXXX but it is a hard process. The error is so simple and solution is so simple too, that 's why I do n't understand why XXXX ca n't fix it. Please if you know how to solve this problem, I would like to know. 
Best regards
cra violations inaccurate information sent police report and still on credit report after 30 days
My student loan was defaulted due to a long period of unemployment, but recently I've managed to get back on my feet and begin working on getting all of my finances in order. I have 3 separate federal loans which were in a defaulted status and fortunately I was approved to consolidate those loans on XX/XX/XXXX. Two of the federal loans are being serviced by XXXX and the 3rd loan ( Perkins ) is serviced through Heartland ECSI. I was told by XXXX that the date my Consolidation was approved on XX/XX/XXXX. Those two loans were then automatically taken out of default and put into repayment on the National Student Loan Data System ( NSLD ). My 3rd loan with Heartland ECSI was also paid in full on XX/XX/XXXX, but remains on the National Student Loan Data System ( NSLD ) in a default status despite being paid in full. I have reached out to Heartland ECSI several times requesting that this information be updated, but I continue to get the runaround. It's pertinent that my information be updated immediately in the National Student Loan Data System ( NSLD ) because it could negatively impact my employment as in I could be terminated. My accounts with XXXX has been updated in National Student Loan Data System ( NSLD ) twice since XX/XX/XXXX, while Heartland ESCI has done nothing to bring my balance current. They continue to tell me that they aren't sure how soon it will be updated and they've gone as far as to tell me that it could take weeks. That simply won't do. Please assist in getting this rectified. Thanks.
Went online to JC Penny to make a payment. The system incorrectly stated I wished to pay {$25.00} vs. my whole balance ( which I clicked ). When I tried to correct, it said you can only do one payment online per day. I then called. When I first got online it asked for account number etc. and social - It paused for a long time and never found my account. Then I called again spoke to an agent who told me it cost {$10.00} to make a payment using her so she will transfer me into the system again. She then transferred me into something that basically put me on hold and never got back to me. Then I called back again trying to make a payment with the automated system on the phone again. At this point, 20+ minutes into this saga, I still can not make this payment. I am now on my XXXX or XXXX attempt to get verified on their IVR - no success to date. So their IVR can not authenticate me, the agent wants {$10.00} to do it with a human, the website wo n't let me fix the issue. 

This is clearly a UDAAP issueI believe this is purposely made difficult for customers to ring up fees and late charges.
My pay was interrupted for two months by the va with minimal notice. This caused my mortgage to default. The va fixed the issue eventually and wrote a letter to the mortgage company explaining the situation. In the time that my loan was in default, we had a small fire in our laundry room/ bathroom. I completed the work myself even though the mortgage company insisted I needed a contractors liscence to install new flooring, a piece of drywall, a pocket door, some cleaning and paint. I explained that I was a XXXX for a family member for over ten years before I joined the XXXX. Nothing in the repairs was above the average home owners skills and anyone could learn to do everything I did to my home watching videos on XXXX. I had called them at least 6 times before they gave in to letting me work on my own property. They only told me half of the actual process to get the insurance checks endorsed and sent back to me to deposit. They advised me that if I wanted my money within 5 days to send the checks in an overnight mailer to include a return overnight mailer to get it back in said due time. I did this to a cost of almost {$50.00}. This was over 3 weeks ago and since that day, I was told Id have to wait an additional 10 ten for the inspection. The inspector came last Friday on XX/XX/XXXX. I called yesterday to ask when the funds would be realesed to me and they said it would take an additional 10 days after receiving the inspection for corporate to sign off on it. This was all given to me over 8 different phone calls and I believe 7 different employees all telling me different things. When asked to give me an idea of when the funds will be released to me and why it was taking so long after I was told 5 days well over a month ago so I could write down exactly what they told me this time. The manager stopped talking. They didnt ask to put me on another hold, they didnt hang up, they simply stopped responding to me. I demanded an answer several times and when they still refused to respond I hung up the phone. The insurance adjuster and the independent adjuster both stated that I completed the repairs in a timely and proper manner. I had to borrow money to complete the repairs and since I was told Id have the money back in 5 days, I returned it to the person I owed it to ASAP. The repairs cost me about {$1500.00}, and my mortgage payment is {$1200.00}. I told them hey can have the mortgage payment when I receive the {$8900.00} due to me from them. I also believe that they are a predatory lender and since my property is worth well over what I agreed to pay for it, they want to lay claim to it or try to get me to refinance from them for the full equity so they can make their money.
I was making XXXX dollar payments to Ameritech. I received a letter in the mail from the Federal Trade Commission, stating that Ameritech was being sued for deceptive practices. They have taken XXXX out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
On XX/XX/XXXX I submitted a complaint to CFPB ( complaint : XXXX ). That complain has since been closed, however the information I requested in feedback has not been provided by the company, XXXX XXXX. The company responded to the complaint and I provided feedback. In my feedback I requested proof of the information in the company 's response but have not been provided that information. 

I am disputing the " placed for collection date '' as well as the " client date last paid '' that is being reported to the credit bureau by XXXX XXXX. 

According to the information I received from the original creditor, XXXX, and the last payment was made XX/XX/XXXX. I have requested multiple times for all information from XXXX XXXX including proof of the last payment and that information has not been provided. I have only been provided the information that was attached in the initial complaint. Furthermore, the " placed for collection '' date is incorrect. Per the original creditor, XXXX, the placed for collection date is XX/XX/XXXX. XXXX XXXX is reporting XX/XX/XXXX as the placed for collection date which is not accurate. 

The original creditor, XXXX, also confirmed the account was charged off XX/XX/XXXX. XXXX XXXX in their response to the initial complaint stated they are collecting on behalf of XXXX XXXX, however the account had been charged off by the original creditor and they are no longer pursuing collection on this account. XXXX XXXX is attempting to collect on a debt that they purchased ( XX/XX/XXXX ) from a 2nd party collection agency ( XXXX ) that is no longer in business and also not pursuing collection on this account.
I am filing this complaint because Experian, has ignored my request provided me with the documents that their company has 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, that I have disputed. Account Name : XXXX XXXX XXXX Account Number : XXXX.
Comenity Bank calls 8-10 times per day, everyday, even on weekends. They never leave a message or even a call back number. They call from XXXX different phone numbers and I have asked them to stop harassing me with the excessive calls, yet they continue.
While applying for credit I came to learn that I had a judgement against me from Portfilio Recovery. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.
I attempted to obtain credit and found a collection agency by the name of XXXX XXXX was reporting on my file. I was denied credit because of a collection account that I did not recognize. In an attempt to obtain the line of credit requested, I called and went to their website XXXX XXXX XXXX to see what the account was for and make a payment if it was valid. The website requests an account number, but I do not have the full account number available and does not provide any details to what this alleged debt is for. I called phone number XXXX, I was unable to speak to anyone. The system asked for me to request a call back before disconnecting the call. I provided my cell phone number on XX/XX/XXXX and have yet to receive a call back. I have made multiple attempts to contact this company almost daily. I was never notified that this account existed, no one ever attempted to collect and more importantly I have no idea what this is even for. I have applied for employment and thankfully I didn't get declined due to this unknown charge. If I had known of valid debt i owed I would have paid for it before any harm could be cause to me like all of my debts. This company has caused me damage and will not even respond to my calls for a debt that I was never notified of. I just need all of this to go away so that I can go on with my life without further damage from this absurd situation.
On XX/XX/2018, I sent Bull City Financial Solution a DEBT VALIDATION letter to validate the collection they placed on my credit report. Its been well over 30 days and I havent received anything back from them with this information. As per the FDCPA, I have the right to request validation of the debt. 

I have been a victim of identity theft a couple of years ago and I am trying to slowly start cleaning my credit report due to the damages caused. I never did business with them and I have disputed this collection twice already and I am getting nothing in response. A collection bill is not validation and I have a right to be provided with proof or this collection needs to be removed. Its hurting my credit score badly and making me unable to obtain my goals.
Hello I 'm hoping someone can help me I have an account with care credit since XXXX 2012 I want to pay off my balance but the interest fees and the interest rates and the late fees are just to outrageous I will never be able to finish paying this off is there any recourse for me? I believe I was mislead by the people at the dentist office I really want to resolve this Thank you
I have used Pay Pal for XXXX or XXXX years. In the past year, I was notified by Pay Pal that I needed to sign up for an account. I was confused, thinking I already had an account. I thought maybe they wanted me to update my information. I signed up for the account. Then after a purchase, I received a bill in the mail from PayPal Credit for the purchases I had made. I did not understand what had happened, as in the past I had used PayPal and they items I had bought were charged to a MasterCard. I showed this to my husband and he realized that PayPal had somehow set me up for a credit card. He tried to cancel the account. I used PayPal again after that, and they put the item on PayPal Credit. I then was charged a late fee, although I had never received a bill in the mail, and did not know I still was using PayPal Credit!!!!! I am very, very unhappy with PayPal!!!!
Caliber Home Loans is using faulty information in the servicing of this mortgage loan Caliber Home Loans has failed to deliver required foreclosure protections.

Caliber Home Loans has engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower. 

The CFPB issued amendments on XX/XX/2014, The rule issued establishes new protections for consumers, including requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

Caliber Home Loans failed to respond to a Notice of Error and request for information.

Caliber Home Loans has failed to properly acknowledge and investigate my complaint
I have paid all open medical claims, this collection company is practicing extremely inappropriate tactics. I am now seeing open balances, and inquiries on my credit. I had paid this, left numerous messages, and spoken to various reps after extremely long wait times and language barriers. You have now impacted my credit, and have failed to uphold yourselves as any sort of legitimate business in my opinion.
I filed a dispute with Experian regarding accounts that were reporting wrong on my credit file and they did a investigation and returned with an answer that the items were included in a bankruptcy. Those accounts were updated as follows : XXXX/ XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX XXXX included in bankruptcy XX/XX/XXXX, XXXX XXXX  included in bankruptcy XX/XX/XXXX, XXXX XXXX included in bankruptcy on XX/XX/XXXX. All of these dates are incorrect and reporting wrong on my account. I called on XX/XX/XXXX and the rep stated that this information has come back verified and there is nothing that they can do about. From the various dates I can see that this information is not correct. I also went to dispute a number of inquiries that showed on my account and was told that I can dispute inquiries and to contact each company separately. These inquiries do not belong to me and should be deleted. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XX/XX/XXXX,   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I told them that only inquires made by me should be reporting on my account. They then put a fraud alert on my credit report on XX/XX/XXXX I asked that they remove that from account and they did stating that another bureau reported the information I called the other two bureaus and they stated there was no fraud alert. Experian did remove the fraud alert but have failed to remove these items that they are reporting incorrectly.
I had XXXX XXXX internet service about 4 years ago, for literally less than two weeks. The service was not as promised, so we canceled it right away. Since then, I have been contacted by a number of different collection agencies regarding a bill of {$690.00}. I have disputed the amount and collection agencies over and over on my credit reports. It showed up again today. I do NOT owe this money, and the lady I talked to when I closed the account in early XX/XX/2014 assured me that my account had been credited to a XXXX balance and then closed with no further amount due. Today again, I see this showing up on my credit report with a new collection agency name ( EOS CCA/account number XXXX ). This account should NEVER have been sent to a collection agency at all for less than two weeks of service that didn't work and a XXXX out balance. The service not working correctly was why we canceled in the first place. I do NOT owe XXXX XXXX or any collection agency {$690.00}. XXXX XXXX should never have sold this account to any collection agency over 3 years ago. I spoken with XXXX XXXX today and they refuse to assist me with this matter at all. I am not paying a collection agency {$690.00} for a bill I was told was XXXX balance, especially for service that I canceled within two weeks.
My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for making on-time payments.
In  XXXX  I purchased a   XXXX   XXXX   XXXX   from BMW of   XXXX   ( IL ). I owned the vehicle for three ( 4 ) months. During the months of ownership the vehicle was returned to the dealership for repairs on four separate occasions for mechanical issues.
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As a result of the consistent mechanical issues with the vehicle, I returned the vehicle as a " voluntary repossession ''.
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I have requested, through BMW of North America and BMW Financial Services that the outstanding balance owed be forgiven since the vehicle had significant mechanical issues, and is a vehicle under factory recall for some of the issues I experienced with it.
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Each entity has " passed me off '' to the other, indicating that the other entity is responsible.
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I am only requesting that the claimed balance be removed from my credit repair. BMW of  XXXX  acknowledged possession of the vehicle. The debt has been " Charged off ''. However, it remains on my credit report as owed.
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I disagree that I owe this balance, and have been mistreated each time I make contact with BMW of North America and BMW Financial Services.
I had consolidated my loans to XXXX. Mid- XX/XX/XXXX I was having trouble making my payments due to low income. I received an email on XX/XX/XXXX stating that they had defaulted and that they would go delinquent if I did not call in. The email stated that they can help. I called in XX/XX/XXXX and talked to a man about lowering my payments. He was very helpful and was to send me documents to fill out to ensure we got my payments lowered. I asked him, if I should make payments until we got the due amount lowered. He stated, not to pay until after I received my documents, mailed them back in, and got approved for the lower amount. I never received the documents. I called back in XX/XX/XXXX letting him know I hadn't received them. I took his advice and kept waiting on documents and not paying. I went to get a car loan in XX/XX/XXXX. As I was attempting to secure the car loan, the lady told me that there was something on my credit that I needed to check in to and that I couldn't get the loan. I looked into it and saw that XXXX had marked me as delinquent and sent my balance to collections. I called XXXX immediately and spoke with a lady and told her that I had been talking to the guy on getting the paperwork and that he had told me not to pay until it came. She went back and listened to our recorded conversation. She apologized that the man had given me wrong information and that there was nothing she could do. She then told me, " If it makes you feel better, he was let go from the company ''. No, that does not make me feel better because now my debt in is collections, I can't get approved for a car loan, and it impacted my credit immensely. I now have issues with the collection agency and communicating with them.
In XXXX I made a purchase at home depot on my Home depot credit card issued by Citibank. 
I never received a statement for paymen2. IN XXXX I received an email saying my account was past due with a charge of {$60.00}. I knew I had not made a purchase of {$60.00} so I pulled up my account online. It only stated a past due amount of {$60.00} was due. After several days of trying to find what the charge was for, I found the original charge of {$26.00}. By then I had received another email past due notice of {$90.00}. I tried calling citibank but only got an automated system. Finialy I received a call from Citibank. I told them that I wanted to dispute the charge and was given an address to sent request too. By this time I had received an email past due of {$100.00}. Have not heard from my written request.
On XX/XX/2003, I took out a home equity loan because I was told that I had to have this loan in place before I could get an equity line of credit. I ended up getting both loans, an equity loan and an equity line of credit. I have used my line of credit, but not the loan. I have never borrowed any amount from the equity loan. I just learned that equity loans and equity lines of credit are two seperate entities and that I never needed to take out the equity loan. 

I believe that I was scammed into taking out the equity loan and I paid {$73000.00} for a loan that I never used or needed. This transaction was with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. This account was transferred to Wells Fargo when they bought out XXXX.
I looked at my credit report and i noticed that the collection agency Williams & Fudge INC is reporting a collection account on my file for {$1900.00}. I have no knowledge of this debt and i was never sent a DV or anything. This debt is not valid and does not belong to me