WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint is about an Unknown medical collection on my TransUnion credit report from a collection agency called XXXX. 

The problem is that XXXX was not able to verify this collection belongs to me and TransUnion has refused to remove it from my report What has happened is that on XX/XX/XXXX I discovered an unknown medical collection from XXXX on my credit report and onXX/XX/XXXX I disputed this with Transunion. I received notice from Transunion on XX/XX/XXXX that the debt had been verified by XXXX and TransUnion advised me to contact XXXX. On XX/XX/XXXX I wrote XXXX a letter requesting they validate the debt by producing evidence that I am indeed the person responsible for the Debt. I requested that if they could not validate the debt that they would instead please provide a complete withdrawal of their claim. On XX/XX/XXXX XXXX sent me a letter stating they are ceasing collection efforts and have closed this account in their office. They provided no other information. On XX/XX/XXXX I notified Transunion that XXXX was unable to validate the debt or provide me with any information other than the letter stating they were ceasing collection and closing the account. I forwarded a copy of the letter I received from XXXX to TransUnion with my correspondence. On XX/XX/XXXX TransUnion sent me a letter and a copy of my credit report that says they have completed their investigation and DISPUTED INFORMATION UPDATED. The updated information on my credit report continues to show this unknown and unverifiable collection. Transunion provided me with a phone number to their call center and onXX/XX/XXXX I called and spoke to a representative named XXXX ( he gave me a call tracking # XXXX ). My call with XXXX was more than frustrating. He advised me that TransUnion had validated the debt with XXXX and that I would need to contact XXXX again. I have learned that the definition of insanity is doing the same thing over and over again and expecting different results. It seems a bit insane to me that TransUnion would ask me to do the same thing they already asked me to do and expect different results. Therefore I am writing you today to file a complaint against TransUnion for continuing to report an unverifiable account on my report.
Sent certified letter to Experian that was delivered on X/XX/17 challenging collection accounts on my report. Received no response from Bureau.
Contacted PEAA several times and requested to speak to a supervisor and no one will discuss or fix my account. I left school in XXXX and have been billed for student loans BEFORE my consolidation request has been completed starting in XXXX, violating my 6 month grace period provided under federal law. Additionally, the consolidation request was modified without my permission and I have requested several times for this to be resolved and it has yet to be corrected. Finally, the total balance is NOT matching my records of how much I 've borrowed and no one is available to explain the discrepancy to me.
when I moved out of my apartment I owed the owner XXXX dollars. they took the money out of my check every pay period until they got the hole balance so every time I apply for an apartment I get denied. so I called the credit people and they said the owner was still on there. I really need that off I fax the credit people the proof that I payed it.so I really wana no can you take that off thank you.
I spoke with representative XXXX XXXX at Summit Receivables and he was very unprofessional. I called 2 weeks XX/XX/XXXX to stop all payments on my account. He was very aggressive and demanding. He kept telling me to provide my checking account and routing numbers. He said he 'll remove all payments. On XX/XX/XXXX a payment for {$37.00} was processed in which it should n't have. It was n't even an original pay fate that I set up. I contacted the company on Monday XX/XX/XXXX and explained I would like a verbal cease and desist and informed I 'll send in a written notice as well. I understand that I owe a debt and responsible for repayment. I was willing to pay off at payments that were within my budget. They did n't understand and wanted to dictate terms. If I was able to do the bigger payments I would have done that before the account charged off.
I received a letter in the mail today XX/XX/XXXX, from the MiraMed Revenue Group, LLC, claiming they represent XXXX XXXX For a date of service of XX/XX/XXXX. My husband called the MiraMed XXXX XXXX ) and asked them what this was about. They wanted extra information about me, so my husband told them that we are thinking they are trying to run a scam to collect money. That we have never done business with this XXXX. We also contacted our health care insurance and they told us any medical bill that we have not received for a service that is over a year old does not need to be paid and the insurance company will not pay on it either. That all medical groups know this. So that is why we feel a scam is trying to be run.
We applied for a Wyndham Rewards Visa Card serviced by Barclays with a promotional offer that we will receive XXXX bonus points when we make the first purchase with the card ( Wyndham would provide these ) and XXXX extra bonus points when we spend {$1000.00} in the first 90 days ( Barclays would provide these ). We made {$1000.00} in purchases in the first 90 days and it has been several months but we still have n't received the XXXX bonus points. 

After calling both Barclays and Wyndham several times ( they would both tell me the other was responsible for the points and they had nothing to do with it! ), finally Barclays agreed that they were responsible for the points. However now they have a new theory that since my account is not in good standing they wo n't give me my bonus points. I have a credit of {$38.00} on my account for several months now ( yes I overpayed and Barclays owes me money! ). 

On probing further they revealed that there was a late payment on the account. In reality the late payment was due to a Barclays error and not mine. I had setup an auto-payment on the account almost a month before the next payment was due and upon completion of the setup the confirmation screen told me to cancel any scheduled payments to avoid a double payment which I did since I did not want a double payment. Fast forward a month Barclays did not process the auto payment on the due date. I noticed it within a couple of days and called Barclays customer service regarding the same. The representative accepted the error on their side and reversed the late payment fees and processed the payment for the account for that statement. 

Because Barclays made that mistake on their end I had to go through the inconvenience of giving them a phone call in the first place. Later citing their mistake as a reason they do n't give me my bonus points ( without any communication! ) and are just using it as an excuse to avoid giving the XXXX bonus points which they are contractually obligated to. 

Moreover on top of the fact that my account is in good standing and the error they have noted was an error on their side, the contract never mentions anything around the account being in good standing or not. It plainly says that after spending {$1000.00} we will get those points. Barclays is plainly trying to give excuses to avoid giving those bonus points.
This credit company isn't reporting my information correct. 

1. The history shows there reporting only two years of credit history. 
XXXX XXXX account in XX/XX/1994 2. I have never had a late payment. 
Why is my score so low? two months ago my score dropped again over 50 points and i do not see why. 

3. XXXX XXXX - isn't correct. I have never had 4 accounts. 
This reporting isn't correct. These accounts are not mine. It is impossible that i hold 4 accounts with them. I've tried for over two years to deal with this creditor, in terms of correctly reporting my history with them. I've gotten no where. Sometimes, the company has stated to me that, i am not in there system. 

This reporting is effecting my life, its prohibited me from getting credit that i need. 

4. XXXX # XXXX This account is not mine. I have never had an account with this creditor .The account is fraudulent and needs to be removed from my report. 

5. XXXX - I've called numerous times to this creditor. They tell me that they don't have my information and are not reporting. However this still appears. I would rather address this than to have it affecting my report for XXXX. I've tried everything to get to a solution about this with XXXX. 

Thank You
From : XXXX XXXX XXXX To : Consumer protection financial bureau Thank you for the great service and assistant, recently I open a claim against ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), about a month ago, the concern that I has now with XXXX of the accounts, from ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer XXXX, open on XXXX XXXX XXXX with ( Num. XXXX ), and XXXX XXXX XXXX with ( Num. XXXX ) is ; the account XXXX XXXX. XXXX ) has been send to a different debt collection company name ( RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX ). Who 's billing me {$440.00}, for the early close based on my credit karma account information, that I have to open and monitor thanks to all these issues with ( XXXX XXXX and XXXX XXXX XXXX XXXX. Dish Authorized Retailer ), basically is the same issue stated on my first Complaint with the case number XXXX, resolve on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), beside that, I am really grateful for all you have done in helping me in fixing these issue with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX.
I was trying to make a financial purchase only to be told that there were several collections from XXXX XXXX reporting on my credit file. I disputed the accounts directly with all three reporting agencies and XXXX and XXXX did investigate and they deleted the false accounts. Equifax however has not. There is no possible way that Equifax did a proper validation because I personally called XXXX XXXX and they confirmed that the accounts were not mine by using my social security number. The issue is on Equifax. They did not contact them and use my social security number or any other identifying information other than my name which is a common name. I had to apply for a new auto loan and the interest rate is high because they believe I am a high risk due to misreporting by Equifax. I have been trying to get this resolved for over a year. This is unacceptable and I want this XXXX resolved and removed NOW. I should not have to pay high cost interest rates because someone is NOT doing their job.
My bankruptcy was discharged in 2014. The lender of the loan in question ( Santander ) was also listed in the bankruptcy and the loan was discharged. The original lender ( XXXX ) was bought by Santander bank. Apparently, Santander is assigning loans and has started sending bills for this very same discharged loan. I also just found out that Santander has managed to add a " delinquency '' on my credit report which is of course affecting my credit score. I suppose to benefit them in some way, the entry on my credit report goes back to right before I filed for bankruptcy. My thinking is they did so to make it look like it wasn't added to the bankruptcy. Yet again, I have never had an account directly with this bank. They have essentially fabricated a new account in my name, and established their own line of delinquency, so they can attempt to collect the debt that has already been discharged.
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong I was unemployed, homeless, and bank was {$0.00} balance with no automatic deposit. Now overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and XXXX for {$400.00}. I 've written letters, made calls, filed reports, disputes, I 'm going in endless directions.
The XXXX Bank accounts are fraudulent account that belong to XXXX XXXX, not XXXX XXXX, XXXX XXXX, Account number XXXX and XXXX Account number XXXX .... are the same accounts XXXX XXXX. I have attached an incident report from XXXX XXXX Police Dept. I have attached the signature page that was sent to CFPB from XXXX Bank 's application and I have sent my mortgage page with my signature. You can plainly see the signatures do not match. I never knew of this debt until discovering on credit report. This debt from 2007 is not mine, never had any affiliation with this account. This account belongs to XXXX XXXX, not XXXX XXXX. I am asking for the fraudulent accounts to be removed immediately.
To the loan but discover interest rate is against legal rate for my state also withdrawal on dates not authorized I have no paper work with terms ssXXXX
Balance of {$91.00} paid in full, creditor is also reporting the wrong amount shows {$95.00} on Equifax. 

Open Account # 1 {$95.00} Balance XXXX GA Original Creditor {$91.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Joint Account Responsibility -- Remarks Note
Due to the hurricane I had damages to my car and home that I need extra cash for. I had a XXXX line of credit and my mother had XXXX. So we wrote my boyfriend a checking line of credit check so that we can use the funds to fix his car that was damaged and our home. I made a mistake and used my old XXXX check that I requested to close due to transactions I did not approve. I called navy federal and explained what happened. Agent said I can transfer funds instead of writing a check. We found out my boyfriends account was restricted so I transferred to funds to my aunts account. My mother and I could n't transfer it into our account because we 're getting ready to close on a house and ca n't have funds such as XXXX deposited into our account. So when we transferred the funds to my aunt account navy federal froze all our accounts due to fraud. My account, my mother, my boyfriend, my aunt, my brother in law and mother in law. I do n't understand how we can fraud our own accounts when we have almost everything with them and walk into the bank almost every week. They froze credit cards ... auto account ... XXXX ... everything. When I called to get everything straightened out I was treated like I did something wrong. The agent was no help at all. Also when we all went to the branch to talk to someone we were just shoved a fraud form to fill out without anyone really taking to use. They are not trying to help us fix something that is not what they say. We always try to get additional products with them by applying online and trying to move our services over. We tried to transfer money from our XXXX  like we we 're told we can do but that caused all of our accounts to be frozen. Even after explaining the mix up with me writing a check connected to my closed account, they are not trying to listen and have caused a financial set back and stress.
XXXX XXXX belongs to me somebody must have stole my identity it is damaging my credit
Hello, I am writing regarding the harassment & fund embezzlement done by PHH mortgage company XXXX XXXX XXXX. We are the current owners of this property and are having difficult time getting our house repair completed ( water damage ). We closed this house on XX/XX/XXXX. 

XXXX XXXX XXXX has sent the check to the PHH Mortgage of {$14000.00} dated XX/XX/XXXX check # XXXX. PHH Mortgage company have already cashed it out but are not diverting the funds towards right claim ( they are not sending it back to us on XXXX XXXX XXXX ) .Claim # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX. 

My realtor contacted and I personally called PHH mortgage company on several occasions.PHH mortgage is giving my realtor, previous owner and us a run around. 

We are harassed mentally physically and monetary wise.Kindly, help us by intervening into plea of our. 

Best Regards : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX
I spoke with a representative concerning a 30 day late payment that is showing on my Transunion and  XXXX  credit report dated  XXXX   2016 , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
I have Disputed this Negative XXXX XXXX account # XXXX   Six times with TransUnion. TransUnion Did Not do a proper investigation on the item I disputed. THIS IS NOT MY ITEM! THIS IS NOT MY ITEM! I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. ( Per FCRA just because TransUnion have the name and date of birth Doesn't MEAN IT'S MY ITEM ) I AM DEMANDING A COPY OF THE WRITTEN SIGN CONTRACT WITH MY SIGNATURE ON IT. If TransUnion would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks.
Thank you for your recent communication wherein you claim to have validate the alleged debt. The information you have provided is woefully deficient and fails to establish that this is a valid item. 

First, you have not, by any credible means, demonstrated that I owe this alleged debt to YOUR organization. You have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. You have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 

Second, you have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which you could easily have fabricated, fail to prove that there is any legal or contractual obligation between myself, your agency or the creditor. 

Third, as you have failed to establish any relationship between me and the purported debt, I demand that you discontinue reporting this item to the credit bureaus and, in fact, that you delete the item. Additionally, note that if you continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were condescending and I WILL be sure to report this negative response to the Consumer Financial Protection Bureau, Federal Trade Commission and the Better Business Bureau. Your hostility was completely uncalled for as I am acting within MY rights under the law.
XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies XXXX, XXXX and experian. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with Equifax, XXXX, and XXXX. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX. 

Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX  XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Equifax has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX XXXX has deleted no inaccuracies
I was notified by XXXX that a new account was placed in collections. Opened in XX/XX/2016 and placed in collections XX/XX/2016 for {$810.00}. I have not applied for a payday loan nor has any money been deposited into my bank account.
XXXX XXXX was my servicer and they no longer exist. Mr. Cooper/Nationstar handles the accts.I have amn open acct and showing delinquency after the mortgage was transferred in XX/XX/XXXX. I spoke to XXXX regarding this and they stated it is the responsibility of Nationstar/Mr Cooper to fix. Here is the complaint number XXXX for XXXX. 

nationstar does not want to fix it as they are stating XXXX put it on and has to fix however no one is at XXXX and it no longer exist
On XX/XX/XXXX of 2017 I received a hard inquiry from Capital One, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from Capital One in connection with this request ( as I already have one and do not desire anymore at this current time. )
I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age.