WillisBack/dataset-financial-user-claim huggingface dataset:
My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX  because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXXXXXX still remained with Comenity. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account XXXX, XXXX at XXXX, ext XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only experian has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XXXX, {$80.00} on XXXX, {$80.00} on XXXX and the last payment of {$43.00} on XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with comenity and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XXXX/XXXX/XXXX. the other accounts with XXXX, all those all due to be paid off on XXXX/XXXX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX
They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.
Experian continues to report both my birthday, SSN and numerous addresses incorrectly. I have tried numerous times to dispute online, and via written complaint.
At least  XXXX  credit burea u (  XXXX  ), has repor ted an outstanding debt that is not mine. The original creditor is  XXXX   XXXX . I have not been a customer of  XXXX   XXXX  's for over a decade. The company reporting the debt to the bur eau ( s ) is Focus Receivables Management.      In late  XXXX   XXXX , I spoke t o Focus Receivables Management. The  agent advised me to file a dispute with  XXXX   XXXX . She said she believed it may be for some one else with the same name as me.     I filed a dispute with  XXXX   XXXX  on  XXXX / XXXX / XXXX . I have attached the incident number. On  XXXX / XXXX / XXXX , I received a written notice stating they will remove the INQUIRY from my credit report. I was confused by this, as it is not listed as an inquiry on my   XXXX   report. It is listed as an unpaid collection debt.     When I filed a dispute with  XXXX , I received a notice stating that the debt was verified belonging to me. I filed this dispute on  XXXX / XXXX / XXXX . I have attached confirmation number for this too.     Additional Information : The amount owed is {$850.00}. The date reported was  XXXX / XXXX / XXXX . The date of first delinquency was  XXXX / XXXX / XXXX . The date assigned was  XXXX / XXXX / XXXX .
These XXXX charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX XXXX XXXX In Opened XX/XX/XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX
Our family does not and has not had insurance since 2013. When we had our XXXX XXXX   XXXX XXXX things were tough. 

1.5 years later our budget is tight but I am trying to repair our credit in order to buy a house. 

I spoke with XXXX on XX/XX/XXXX I explained I was trying to set up a payment plan for the {$300.00} I owed for the pediatrician who saw my son upon devivery at the hostpial. Keep in mind we payed over $ 5k before leaving the hospital unbeknown that we would owe separately for the care provided. 

She said she needed the full {$300.00}. I told her I dont have that in my budget. She then preceded to tell me you are buying a house for {$280000.00}. Stunned I told her absolutely I am not buying a house and we have a mortage on our home which we bought five years ago for XXXX. She said well your house is appraised for XXXX. I told her we have been trying to sell the house and I am trying to repair our credit. She said well its not showing on your husbands credit so unless you give the full amount I have to report it on his as well. I told her I am trying to pay what I can and trying to make my debts right. She said Im not going to put a payment plan on a debt that is 1.5 years old, This is a attempt to collect a debt etc, is there anything else I can help you with. After being silent a moment I said so you have the ability to make a plan but your choosing not to. She said XXXX XXXX I am going to hang up. Then heated I told her so your making he desecion to choose another persons fate just like that, when Im offering you the little money I do have, your not going to take my money, I told her she is a terrible person and after that she said okay I am hanging up now. 

My husbands income has reduced since buying this home. He is on a salary of XXXX monthly. Our mortage is XXXX a month, electricity between 200-400 water, cellphones {$280.00} limited out credit card minimum payments weve been making for the past 3 years ( which shows on our credit ). My husband drives 100 miles a day plus tolls which is $ 680 monthly. We literally have between 600-700 left over for food, my gas, diapers, etc a month. I am trying to budget {$100.00} of that to spread out with our outstanding debts until we can sell this house pay our debts and have our credit in good enough shape to buy another home. 

I do not know XXXX last name but she is the only one who handles the debt collecting at the office she works for.
A complaint has been field against NationStar Mortgage/Mr. Cooper, the Mortgage Co. #XXXX. However, Mr. Cooper failed to address several issues.  Mr. Cooper generated a bill that had a wrong amount due, it charges interest on the wrong amount, generated a delinquent statement based on the wrong amounts and calculated the following months amounts due based on the wrong amounts.  Although Mr. Cooper's XXXX. XXXX, 2017 response to the complaint denies receipt of our communication, Mr. Cooper's CEO, XXXX. XXXX XXXX  and XXXX XXXX indeed received the email and faxes.  (See attached proof)  But it's denial is indicative of their poor service.  Along with correspondence, we provided the facts to Nationstar/Mr. Cooper that the amounts it was billing were incorrect and at no time, did Mr. Cooper address our letters/emails.  Rather, it continued to over bill based on the wrong amounts.  We informed it that the amounts were wrong and informed it that it cannot send us delinquent or foreclosure notices based on amounts that were related to the taxes of the property.  It ignored all communications and continue to over-bill.  We requested a call back, which we never received and demanded a refund of all monies that were over billed, charged and forced to paid to avoid foreclosure but instead of refunding our money, it kept part of it and made a payment to the tax collector for the wrong amount.  It paid a much higher amount than was owed.  Mr. Cooper's letter also claims that the account is past due.  That too is false.  Again, it is basing its claims on the wrong amounts.  Mr. Cooper mailed a letter to us advising that we had a point of contact and yet, we have communicated with XXXX. XXXX and all have been ignored.  Mr. Cooper over billed and although it cannot foreclose based on an allegation of money owed to the tax collector and yet that is exactly what it was doing.  We demand a refund of all monies plus interest that were over billed and paid.  We also request of Mr. Cooper to provide a detailed itemization of all charges it includes in the monthly statement.
The vehicle was wrongfully repossessed in XXXX XXXX. The lien holder of the vehicle failed to fix electrical problems with the car. The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong.
I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX, Case Number : XXXX. TRANSUNION, DELETED the Bankruptcy from my Credit Report ( SEE ATTACHED ).
Unauthorized Credit Inquiry : XX/XX/XXXX : XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
XX/XX/XXXX - XX/XX/XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called XXXX and asked the XXXX employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to XXXX to their XXXX AZ address. XXXX received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus. 
I called XXXX and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
XXXX did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX  ; and filed disputes with Transunion and XXXX and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the XXXX account as being PAID IN FULL/SATISFACTORY.
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Hello, In XX/XX/XXXX I went to purchase a car. There I found out I had someone, a company trying to collect {$1100.00} for services I did not receive at the XXXX XXXX XXXX XXXX. 
- On my Trans Union credit report it said XXXX XXXX with the original creditor of XXXX XXXX XXXX XXXX ( XXXX ) is Billing me {$1100.00}. 
- I First filed a dispute with Trans Union on the beginning of XX/XX/XXXX. 
- I received a reply from Trans Union on XX/XX/XXXX with results VERIFIED AS ACCURATE AND UPDATED.?? 
- I then started doing some investigating. 
- I googled XXXX XXXX XXXX and called first number ( XXXX ) XXXX on webpage it was XXXX in XXXX XXXX, Fl. 
- I called the number ( XXXX ) XXXX on bottom of page for the President/CEO. It led me to a answering machine which I got another Number ( XXXX ) XXXX for ( Provider Services ). 
- I called this number and talked to XXXX who was very helpful. 
- XXXX researched my info SS # Birthday and name for the bill. She was able to identify the bill but she said the B-day did not match. 
- XXXX gave me the account number of bill ( XXXX ) and date of service XX/XX/XXXX, Place of Service ( XXXX XXXX XXXX XXXX ) and who the debt was sold to ( XXXX XXXX XXXX ) who is affiliated with XXXX XXXX. 
- I then contacted XXXX XXXX who is trying to collect from me. I told them I have lived and am serving in the XXXX XXXX XXXX in XXXX Ohio since XX/XX/XXXX and have been no where near the florida keys. 
- XXXX XXXX then offered to clear my debt for {$600.00}. I declined the offer. 
- I then Called Trans Union and filed another dispute with information I found out from XXXX at Provider Services. 
- I then called the XXXX XXXX XXXX XXXX ( XXXX ) XXXX and talked to the billing departement. 
- A couple of different times talking with XXXX  I was transferred to the Physicians Billing Department named ( XXXX ) ( XXXX ) XXXX - Talking with a couple of different Reps at XXXX and them searching for the bill at question they found / concluded they have no record of the bill due to the only started billing for XXXX XX/XX/XXXX. The Month after the date of service. 
- Both reps and a Supervisor tried to find the company prior to them for me to contact with no luck. They could not find who billed prior to them for XXXX. XXXX has no name as well.
Under the fair credit billing act the creditor must i have requested proof and clarification of charges in dispute, an addition to my balance which cause is yet to be displayed. I have not received written statements for my credit cards until the most recent billing statement. However, on two of my cards the balance increased without evidence of the charges made. Meaning USAA violated the time frame allowed by law to finalize billing disputes and reversed a decision it made over 12 months prior. However, these reversals are not  explained or shown on any statements. Since USAA restricted my online access I have been unable to get an accurate understanding of how much was charged back. Furthermore, I re-established my dispute of these charge backs as well as a few other billing disputes but have yet to receive written acknowledgement of these disputes. <P/>Seeing as there has been no clear or detailed explanation of how my current balance came to be, and USAA in a response to several CFPB complaints informed me they found me responsible for under {$2000.00} in previous charges, it is unclear why my statements have risen by over {$6000.00}. <P/><P/>I have made over a dozen requests and filed several complaints with the CFPB with this request and refusal of USAA to provider documentation to support the increased balances, explain the charges, verify charges previously disputed and found in my favor, all the investigation results and accurately depict my balance. These have all gone unheard. Thus, I have no way to pay my credit card bills seeing as I have not received accurate or detailed statements. USAA has failed to properly reflect charges or payments to my credit accounts.
In XX/XX/2015, Financial Management Solutions, a collection agency, contacted me on my personal cellular about an outstanding debt they claimed I owed. Among other things, they failed to send me a 'Dunning Letter '' within 5 days of contact in regards to their attempt to collect the debt they insisted I owed which would have allowed me my right to dispute within 30 days, as well as violates my rights under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. In addition, Financial Management Solutions also violated the Fair Credit Reporting Act, by reporting this debt to the Credit Bureaus before allowing my 30 day right to dispute period.
After hours XXXX XXXX skip traced and called our neighbor giving our full name, company name, and stating they were trying to obtain a collection of debt. When we called to tell them not to do that ever again they tried to bully us into a settlement and also threatened legal action against us if we didn't pay then and there. They also discussed all accounts associated with XXXX including my wife which I am not an authorized user on. We have also joined a debt consolidation program who has contacted them about making payments so they should NEVER have reached out to strangers or us and gave our information out or tried to scare us into paying them extra on top of that program.
Requested an investigation with trans Union about some credit accounts and credit inquiries The credit inquiries were not authorized by me in any way The credit inquiries were not investigated and were not verified Therefore trans Union did not remove credit inquiries from my file as requested Negative information that is not accurate still remains on my file
I contacted Equifax about some unauthorized inquires on my credit report to which they responded " call the creditors '' .This credit reporting has been very rude and unprofessional in dealing with my complaint.The inquiries are XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX.
Called Discover and spoke to a business credit specialist that informed me that when my applying for a business credit card account that my personal credit report would not be pulled. After applying and being declined, my personal credit report has an inquiry that otherwise, I would not have applied for. Was told that I was declined due to, 'too many revolving accounts with high balances ''. I was just approved for a Discover IT personal credit card account less than three weeks ago. Why wasn't this an issue at that time?
Experian is claiming that I owned a XXXX 's credit card ( listed as XXXX Account XXXX on my report ) which they say was closed in 2013. 

I have never owned a XXXX 's card, much less an XXXX XXXX card of any kind, in my entire life. I said as much to Experian when I disputed the account. They came back and said that the account is mine, and they have proof of such that I can not have access to. My only recourse was to submit documentation or contact them by phone. 

I have no idea what kind of documentation I can provide of something having not existed. It seems like a preposterous Catch-22. Furthermore I have called them a number of times and they have not told me what that documentation is or what it could possibly be. They have explicitly said they will not tell me what kind of documentation to provide, only that I must provide " it. '' I am unable to verify with XXXX 's that this is my account since I do not have enough information about it. 

Let me be clear, this is not a delinquent account or a negative point on my report. Regardless, is it false and I do not know if this is identity fraud or just incompetence of the part of Experian but this is NOT MY ACCOUNT and I have no understanding of how to prove this.
My mortage statement is wrong since XXXX and no correction has been made by ditech. The principal balance is higher ( XXXX ) compare to the remaining balance from XXXX XXXX XXXX and Green Tree which is about XXXX. Beside high principal at a 6.75000 % interest rate, escrow is added on top of the payments which always was included with the monthly payments and the year of the loan was also increase from 20 years to 40 years. I been sending XXXX but only XXXX is applied to it. The payment as increase now from XXXX ( XXXX to XXXX XXXX XXXX ) These are the same payments i have been making since I first brought the house in the XXXX 's. In XXXX, ditech submit loan modify papers to the amount principal now- but the papers was dated in XXXX XXXX I been paying XXXX since XXXX XXXX and although I been pay ahead of time, I was also charge late fees ( XXXX ) through Green Tree and in XXXX ditech which both company are now as XXXX since XXXX. If I continued to keeping paying them, I will not only have given them extra money but in ten years I will pay them over XXXX. It unfair.. please help!
I have been asking the credit bureaus to fix my credit report for over 6 months now. They have my birthdate wrong and accounts on my file that are not mine. All of the bureaus have been notified and still nothing. They WILL NOT CHANGE MY BDATE.
Also they are showing 2 accounts from national credit adjusters that are not mine and a bankruptcy on XXXX. I have had a issue with id theft and these are just not my accounts
The company credit acceptance is reporting three late payments on my credit report, ,I 've asked for them to be removed and there stating they ca n't do that ..false information
Receive multiple calls from the number. Receive both automated messages and scripted messages with a human when I don't pick up. Receive calls after asking them not to call since they were unable to actually confirm the debt when I did pick up once. Received calls from other XXXX phone numbers that are similar, each with the same tactics of leaving threatening voice mails that are either automated or scripted humans.