WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has called my phone multiple times in an attempt to collect a debt for a relative. I have asked three times in the past month for them to stop calling my phone, but the calls continue. On Friday, XX/XX/XXXX, I spoke to a representative for the second time and asked my number be removed, the representative stated unless you have your family member call to remove your number, we can not remove it and will keep calling. I received a call again today, XX/XX/XXXX, and spoke for the third time with a rep, I have asked for the third time to have my number removed. They have also stated that if I dont have my family member call them, they will send the police to his place of employment and give his information to employer.
I have tried calling spoke to several reps, XX/XX/XXXX, XXXX certified mail and get no response other then a standard auto reply! It wasnt a SIGNATURE showing I requested the inquiries on my TransUnion report. Please remove the following inquiries, XXXX XXXX reported 3 times XXXX of XXXX XXXX XXXX reported 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 5 times Am rent reported 2 times XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX and XXXX  have deleted ALL inquires!. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this nal goodwill gesture to allow you to correct your erroneous reporting.
For about 2 years, XXXX XXXX XXXX has been billing my insurance provider, XXXX, rather than my insurance group, XXXX XXXX XXXX. This has been pointed XXXX XXXX continuously over the past 2 years. They have now put me in collections because they do n't understand how to bill properly. This has ruined my credit. They do n't pick up the phone, so I have no way to even speak to someone. XXXX XXXX. If anyone else is having this same experience, let 's start a class action suit.
I was mislead to get into a student loan consolidation for lower payments. Ive recently been advised by the Dept. of Education that they are fraudulent. 
I tried to cancel whatever agreement we had and told them I reported them, that company ( I cant remember the name ) then went under for legal reasons, so the finance company in charge ( Equitable Accpetance-whom the claim is about ), sent my file to a trusted consolidation company to take over consolidation. I stated I tried to cancel while speaking to customer service at Equitable Acceptance and they did not want to hear it they just wanted their money and then told me they were filing it as past due and refusal to pay. Now Im receiving bills and past due alerts on my credit report. I never signed anything, just a verbal agreement to pay a small fee per month for consolidation. I believe I am Being taken full advantage of.
Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : DIVERSIFIED CONSULTANT {$1500.00} Collections ( XXXX ) The collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX
Balance is now XXXX ; however, I only received one phone call about this account and I requested a paper bill in order to send payment. Paper bill was never received and I received no other phone call before this was sent to collections.
Since the first week of XXXX me and my mortgage lender have been trying to get a payoff good for 30 days. When we finally got the payoff on XX/XX/XXXX, it was dated XX/XX/XXXX and expired XX/XX/XXXX. The loan will close on XX/XX/XXXX but the creditor will not receive their money by the XXXX, not enough time. When we requested an updated payoff they refused unless I make a payment. These people have already garnished my bank account {$1400.00}. And didnt even deduct that amount from the payoff amount. We are wanting and are going to pay this debt. The refinance loan has already been approved, closing date scheduled. Can you please help me with this? XXXX XXXX represented by the firm of Zwicker and associates. I have never had so much trouble trying to pay someone. Please help. My number is XXXX
XXXX : Disputed {$430.00} XXXX debt goes to collection, reported as of XX/XX/XXXX XXXX : XXXX XXXX XXXX, XXXX, assigned to collect, reports debt new as of XX/XX/XXXX When I learned of the XXXX XXXX XXXX XXXX XXXX . collection, I began disputing the debt as to their date of reporting. Over the next two-plus years, they continued to report the debt as if it were started in XXXX. 

The credit bureaus allow the collection companies to report the date that they receive the debt, to be the new, " placed for collection date ''. By changing the reported date, it makes a debt appear as if is brand new. The original date was to remain on the credit report as well. This has not been the case. 

In my circumstance, it appears that XXXX XXXX may be using XXXX XXXX XXXX XXXX XXXX, as it's agent, to extend the SOL or force a settlement. Someone has found a work-around. 

If each time a collection is resold, the " placed for collection '' date is changed, the credit report will take a substantial hit. 

A debt in collection that is 3 years old, is now showing on your credit report as a new collection, dated last month. 

After XXXX XXXX XXXX XXXX XXXX starting reporting the collection debt as if it were created three years after incurred, creditors began to decline loan applications. They were specific to the new collection. When I disputed the information, both the credit reporting agencies and the XXXX XXXX XXXX XXXX XXXX were adamant in keeping with the date. 

Over the past two-plus years, I have been unable to refinance or obtain a loan at any rate less than 75 %. Credit card advances are the lowest interest of my loans, however, it tends to increase my total card useage. Still, I have maintained a 100 % payment history with all of my credit obligations. 

My claim today is that, XXXX XXXX XXXX, XXXX, FRAUDULENTLY, " verified as accurate '', on multiple occassions, that they were the owner of the disputed debt, and during the period, THEY HAD IN FACT SOLD THE DEBT to another collection company. 

XXXX XXXX XXXX XXXX XXXX does not own the debt. 

I request that XXXX XXXX XXXX XXXX XXXX, and any and all information related to them, be removed from my credit history and, that any entity that was provided with my credit report information during the time that XXXX XXXX XXXX XXXX XXXX was not the debt owner, be notified of their fraud. 

XXXX XXXX XXXX XXXX has owned the debt prior to XX/XX/XXXX, and was the owner during the last disputes. 

Note : The current collection company, XXXX XXXX XXXX XXXX, has sent several " reduced balance opportunities '' that state, " Our client has advised us that they are willing to satisfy your account for ... ... % of your total balance to due to satisfy your past balance total ''. The offer amounts vary with a 40 % of account balance reduced balance of {$170.00} on XX/XX/XXXX and another with a 30 % of account balance reduced balance of {$130.00} on XX/XX/XXXX. 

If this XXXX XXXX, XXXX does indeed own the debt, and the credit reporting agencies are to be relied upon, then this offer could never have even considered. 

End Note.
Equifax carelessly mishandled my information, opening themselves up to a breach that has placed myself and millions of others at risk of having our identities stolen. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notice and only became aware of this from articles shared on social media.
I have a mortgage that is currently being services by Sterns Lending/Loan Care. I went on line on XXXX/XXXX/2015 to make my mortgage payment only to find out that my payment had increased by almost {$400.00}. I called Sterns and was told that my mortgage insurance was doubled on my FHA loan in error after an account analysis had been done. They advised that they would do another account analysis that would take two weeks and fix the issue. I was told I would n't be charged late fees because of their error. I checked every day up until XXXX to see when my payment was corrected. On XXXX when I checked my payment was changed but still much higher than the mortgage payment that I qualified for and had been paying. They said the notes in the system were due to a shortage in my escrow account. I was issued a REFUND on my escrow overage less than two months prior to this happening ... .now I have a shortage? I asked why I as given a refund and now they are increasing my payment beyond what I qualified for or wanted. After being on hold for 30 minutes I was told by the representative that neither her or the manager could figure out why my payment had increased and that I needed to just make my payment. I went online to make my payment so that my credit would n't be adversely affected and I was charged the late fee that I was told would be waived due to their error.
Debt was sold to a third party and i did not give permission to release my information to a debt collector. I am allowed under HIPAA to protect my privacy and medical records from third parties. Also the collector is not license in my state.
I have several loans in ibr with Navient. I was told that two of my loans do not qualify for Ibr and wont be part of the ibr forgiveness in 25 years because my income is too high. My loans  are also split up and being paid off in increments instead of a whole. So some of them will likely get paid off before the 25 year mark instead of the entire debt being forgiven at 25 years. Until I spoke to the customer service I had no idea that it was not counted as part of my total debt and to the IBR calculation
My home loan servicer ( mortgage holder ), Bank of America, will not comply with assisting me with a home loan modification, and/or mortgage assistance as prescribed by them ( and on their website ). I was denied a modification because of a previous modification and I was denied a forbearance with no explanation. XXXX options are listed on their website as available resources/options for clients in need of mortgage assistance, like my situation.
Conserve is n't license in the state of Florida. They are also charging me 2 did n't amounts and this is impossible. I only register for XXXX college, but I never attended a physical class. Per the school if you do n't show up 3 days in a row your are automatically withdrew from the class with no charge, but for some reason I have 2 bills on my credit from Conserve Collection agency.
I opened an American Express gold card last year when booking XXXX XXXX flights to XXXX. The card advertised XXXX free miles to Gold AMEX customers. The miles were to be credited within a certain time-frame. As the miles were never credited to my account, I called American Express and complained. I was told that I was not eligible because I previously had an AMEX gold card. After I complained that this was not disclosed, the agent promised to credit the miles to my account. Several months letter, I followed up with another phone call only to find out that AMEX had no intention of crediting my account. They claimed that this was disclosed when I opened the account but could not tell me or provide me with any back up information to substantiate their claim. I notified them that their practice was illegal and told them I would be filling an official claim. Sure enough, they are sticking to their story - they notified me that this was disclosed during the on-line application process. I was not aware of it and as far as I am concerned, this was not disclosed. They can not prove that this was disclosed and none of my disclosures that I received show this being disclosed. What prevents AMEX updating their disclosure a year later and claiming that I was subject to it? I think that this is a deceptive practice to lure people into products which they otherwise would have no interest in attaining. What are my rights here?
I purchased a XXXX in XX/XX/XXXX but the finance company is not reporting my ON TIME payments to the credit bureau.
I have noticed my payments with XXXX XXXX were not completely reported to Equifax. 
I wrote XXXX XXXX a letter in regards of the problem. I received a respond from XXXX XXXX and it stated, that the information was sent to the consumer credit agency was accurate. I called Equifax to informed about the respond I had from XXXX XXXX. Equifax keeps telling me to call XXXX XXXX. But when I called XXXX XXXX I was told Equifax needs to fix it.
Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.
We have not been properly notified about changes to our account. When questioning the changes and trying to get clarity on them, we were instructed to write a letter of dispute. Which we did in XXXX of 2016. We have never received an answer, we call every week. The proper changes to our mortgage have never been updated and we continue to get passed around. They have actually told us not to make a payment because they do n't know what the recalculation payment amount is. Ditech is a fundamentally flawed and fraudulent company and we need outside help as we have exhausted all options with them.
After requesting to increase my student loan monthly payment several times, Navient did not follow through. I have been trying to pay off my loans faster since there is no pre payment penalty I called Navient multiple times and requested them to increase my monthly payment amount. Every time I have called they said they will implement it by 1 or 2 cycles but is yet to do it and it has been over 6 months.
I never had an account or ever heard of original creditor : XXXX XXXX XXXX XXXX XXXX? <P/>Received a call on XXXX XXXX on X/XX/2017 ( Ph # XXXX ), with someone named XXXX from Midwest Recovery System, she asked me for my personal information at the beginning of call and since I get similar calls like this that are scams, I did not give her any information and told her do not call me again, she stated that she had all my numbers and will send me a letter ( based on that ) I also sent the company a letter in writing not to contact me thinking that this was just another scam. <P/>The week after I checked my credit report and saw that Midwest Recovery System put in a {$5000.00} negative report? <P/>I never received any letters before my request not to contact me from Midwest and never did business with XXXX XXXX XXXX, please help.
My loan was sold by XXXX and is now being serviced by XXXX XXXX and the loan number is XXXX. XXXX has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted XXXX   on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX
In XX/XX/2017 I received a notice in the mail about an attempted collection debt from XXXX XXXX. I wrote back stating that I had no knowledge of the account or the debt and I asked for debt validation. I was never sent any proof of the debt actually belonging to me or a response from the collections company. I reached out to XXXX XXXX  who let me know they had no knowledge of a debt being owed to them. Ive never had any services with them or the company who previously owned the services. I received an email this morning letting me that a collections account was placed on my credit report. I would like this to be deleted immediately and permanently!!! I have no knowledge of this debt
On XXXX XXXX I purchased a vehicle from XXXX XXXX XXXX, in XXXX XXXX At that time I agreed to purchase an extended warranty and GAP INSURANCE. After a couple of days, I called the dealership and told them I did n't want it. I was told I would have to wait for it to go through the system before it could be canceled. I also wrote a letter and mailed it to BOTH the dealership and the insurance company to let them know formally that I wanted it canceled. I never got a response from either. I went back to the dealership on XXXX XXXX, I talked to the finance man, he said it would be taken care of and to keep a check on my vehicle statements to see the price drop so I would know when it had been done. It still is on my loan, but the insurance company says they have no record of a policy on me, I contacted my finance company XXXX XXXX XXXX, they told me to contact the dealership, as did the insurance company. The problem is and has been that the dealership wo n't return my calls or answer my attempts to contact them. They are over an hour away from my home and I ca n't run up there every day trying to resolve issues with them. I work an hour from home, which puts me 2 hours away from them and I ca n't be taking off of work to deal with them.It took them 2 months to even get me a tag for my car, which actually expired before they got me one, and even then I had to drive up there to get it after I had been promised they would deliver it to me. The Gap is {$790.00}, the extended warranty is {$2400.00}
On XX/XX/XXXX XXXX  refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts Trident Asset Management appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.
XXXX/XXXX IS STILL BEING REPORTED THIS ACCOUNT ISN'T MINE IT WAS OPENED FRAUDULENTLY THE FALLOWING INQUIRIES WHERE NOT AUTHORIZED XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores Rise Inquiry from XX/XX/XXXX Finance XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX TRANsunion HAS FAILED TO ACT WITH IN FRCA REGULATIONS, I HAVE SUBMITED THE POLICE REPORT AND FTC REPORT. Transunion has 4 business days, per FCRA Section 605B
Dear Sir or Madam, I have contacted this company Franklin Collection Services and ask this company to removed there negative report from my credit report however they stated that there was nothing they could do to help me. this is not a debt I own to this company.
AVID ACCEPTANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Checked my credit for a car XX/XX/2017, I do not recall requesting this credit check nor did i authorize any person or business to do so. This hurt my credit and is an unfair hit on my credit. I tried to call said company and got a disconnected call three times when i called to esquire of this.
This debt was discharge back on 2010 by the bankruptcy court and they still try to this day to to collect was its already discharge, worst part is that they are reporting it to all XXXX credit bureaus as a actual debt with different collection agencies in Kansas.
I received a letter from Radius Global Solutions LLC ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with XXXX XXXX, nor have I ever opened an account with them. The info that I was able to get from Radius Global Solutions is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX XXXX is not FDIC insured. I have requested a dispute through Radius Global. I have run a credit report and XXXX XXXX  shows up as under " soft inquiries '' on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. 

XXXX XXXX : XXXX
I tried to log in to the website. I was n't able to log in so I called the customer service phone number and they were n't able to get me to log in after several attempts and temporary passwords. They were able to successfully verify my identity. I used XXXX different browsers while we were trying. I cleared cookies and restarted the computer as they had advised. Nothing worked. The customer service rep finally created a tech support request on his end after an hour of staying on the phone. They asked me to call back in 7 business days to see if the issue has been resolved. I wo n't be refunded for the amount of time I am not able to use the service. I asked to speak to a supervisor and was placed on hold for longer than half an hour. This is on top of my staying on call with their rep for 50 minutes trying to resolve the log in issue. The customer service rep came back online and mentioned that I should try logging in again. I asked him that I need to speak to the supervisor and I do n't want to try anything again. I told him that I am filing a complaint with Bureau of consumer financial protection. As soon as I mentioned that, I had a supervisor on the line ready to speak to me. I asked him to refund me the amount that I paid since my last successful log in. He said he can only refund one month of fees which is wrong. I think it is unfair to have someone stay on phone for longer than an hour of their life trying to resolve an issue that 's on the company 's side.