WillisBack/dataset-financial-user-claim huggingface dataset:
I filed chapter XXXX bankruptcy in XXXX. Experian Credit Bureau is allowing XXXX XXXX and XXXX XXXX XXXX to report fraudulent information towards my credit report. The XXXX XXXX account number XXXX reported a failure to pay in XXXX. XXXX XXXX was included in the bankruptcy. Payments were made to them starting XX/XX/XXXX and the account was paid off XX/XX/XXXX. First, how can I have failed to pay in XXXX, when the account was paid in full with interest in XXXX? Second, it 's my understanding that when accounts are in chapter XXXX bankruptcy, there will be no negative marks against them. In addition, I have XXXX accounts with XXXX XXXX XXXX that were XXXX also included in the chapter XXXX bankruptcy which was filed in XXXX. But, in XXXX, both accounts have a failed to pay mark against them. This failed to pay mark was done after I filed the bankruptcy. Of all the accounts I included in the bankruptcy, only XXXX XXXX and XXXX XXXX still exist of my credit report. Why is this? The bankruptcy is public record and had Experian verified this fraudulent information, I would not be going thru this. When my Experian credit report is pulled, it states that I have serious delinquency and time since delinquency is too recent. I have several accounts opened and closed right now, where in over about 18 months, I have not missed or been late on any payments. These negative marks have caused me to be denied credit and I 've been charged outrageous interest rates. In addition, there is an account with XXXX XXXX XXXX XXXX my credit report. This is not my account. Again, had Experian verified the information they receive, this account would not be on my credit report.
There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   )  I was never late on these accounts and should not have any late paymetns.
On XX/XX/XXXX I applied with two mortgage companies for a home loan. Both companies told me they were unable to pull my Equifax credit score. I called Equifax the same day to find out the problem and was told there was no problem on their end ; there were no freezes on my credit. Today, XX/XX/XXXX, I tried to pull my credit score myself and was unable to do so. I called Equifax again and was told there was a problem and it may take ten business days to fix. I need my credit score now, and when I asked who to complain to, I was told there was no one I could complain and I would just have to wait. I am trying to buy a home and need to do this in a short period. Can you please help me with this matter.
XXXX placed a negative report on all XXXX reporting agencies. They never contacted me first. 
I spoke to Experian who told me to contact XXXX. I called XXXX XXXX Friday XXXX XXXX 2015 and spoke to XXXX XXXX. He said he would register the complaint. 
XXXX was charged and convicted by CFPB Colorado for same illegal practice in XXXX 2015. 
XXXX XXXX by using XXXX support these illegal activities. I do not have any debt everything is fully paid for. I have never not paid a bill. I have never been late paying a bill.
I have continually made disputes with XXXX, XXXX  and Transunion concerning the numerous names and address attached to my credit report. I have sent them verification of my name via social security card and proof of address via driver license and current mail. 
I have never applied for credit under any of the names or address 's they have listed. My fear is they have my credit report merged with someone else who has the same name or close too.
I received an offer in the mail from HSBC  XXXX   XXXX  for balance transfers at 0 % interest for 12 months with {$0.00} transfer fee. I used  XXXX  of the checks to pay another credit card in  XXXX . On  XXXX   XXXX , transfer was processed by HSBC, transaction reversed on  XXXX   XXXX . I received no notification ( mail or e-mail ). When I called to inquire where the balance transfer was in the process, they directed me to security to answer some questions, this was supposed to release the balance transfer but did not. For four months and many calls they were unable to process the balance transfer without a fee, finally a manager processed the transfer and refunded the fee in  XXXX   XXXX . But now HSBC failed to honor the 12 months at 0 % and would only provide the offered rate until  XXXX   XXXX . After repeated calls in  XXXX ,  XXXX  and  XXXX  they were unable to extend to honor the 12 month offer.   The end result is I was offered 12 months at 0 % with {$0.00} transfer fee, after a tremendous amount of effort on my part, they provided 8 months. Institutional incompetence is no excuse for false advertising and fraudulent behavior.
I believe my loans were illegally consolidated without my consent. I also believe that my loan company did not properly advise me on repayment options.
I have received several collection calls from Medical Business Bureau ( " MBB '' ), alleging that I owe {$150.00} for medical services rendered on XX/XX/XXXX. The most recent call was on Monday, XX/XX/XXXX. According to MBB 's representative, this debt is associated for the medical services of XXXX XXXX XXXX. 

I have called the doctor 's office, but they do not have a record of services rendered. In fact, the office claims that the doctor was not with the practice in XXXX. I have requested a verification of debt from MBB, but they have not produced one. I expressed all my concerns to MBB representatives, but they do not have answers, nor do they care. 

MBB is, however, reporting negative information on my credit reports, which is impeding my ability to obtain credit. 

MBB is also not following the requirements of the FDCPA. I never received notice of the debt as required by 15 USC 1692g. On Tuesday, XX/XX/XXXX, I faxed a dispute and requested a verification of the debt -- that letter is attached. MBB has failed to produce anything in response. But the phone calls have stopped -- perhaps because the proof does not exist. 

I am requesting that MBB cease all collection efforts and remove any negative information from my credit reports. I would like confirmation that this information has been removed.
I took out a {$6000.00} XXXX XXXX private loan that was then bought out and serviced by Discover private loans. My interest rate started at 10.25 % in XX/XX/2015. Discover raises the interest rate every 3-4 months and it is now at 11 %. I also was n't given control over how the payments were applied. So while my loan should be half paid off, it isnt because they applied all payments to interest. Now they give me an option on how to apply overpayments, but it is worded strangely so i never know if im choosing the correct option.
XXXX has been contacting my family about a debt and threating legal action against my family about a payday loan through checkngo. Everything I have done says this is not a legitment company and they continue to call and threaten. They sent me a validation letter via my email but it does n't look valid. I am not sure what to do as they keep contacting my family members.
I have a balance of about XXXX dollars on my student loan left to pay. I 'm a XXXX parent and my hours have been cut at work. I receive 3-5 phone calls from Navient Solutions in regards to my loan payment. I 've had a deferred payment before and every time they send me an email to defer my loan payment I respond and receive emails saying they can not locate my account. I 'm tired of repeated phone calls, some of which are immediately back to back. Last I knew according to federal collection laws, each number listed to an account was able to receive 2 phone calls per day and only one message left per day. Also what is the purpose of being able to reply to an email for a deferred payment if it can not be honored. I have a complete call log of how many times a day they contact me as well as many emails showing I 've responded they way they ask for a deferred payment just to be denied.
My address on my credit report is wrong. I was told by an Experian representative that I can not dispute personal information such as my address. I have talked to 2 people at Experian by phone. I first contacted XXXX or about XXXX. 

XXXX reference # for XXXX XXXX XXXX XXXX XXXX On my credit report it says I can file a dispute at www.experian.comXXXX but when I fill out the information and submit it says it ca n't honor the request to submit a dispute online. They actually said i can not dispute incorrect personal information such as an address I never lived at.
I purchased a home with my husband in XX/XX/XXXX. Roundpoint Mortgage purchased my mortgage from the original lender in XX/XX/XXXX. I neither chose nor desired any business relationship with Roundpoint Mortgage Servicing. I have paid or attempted to pay each and every one of my payments on time, usually well in advance of the due date. Twice they have misallocated a payment by adding my monthly payment to the principal column of my account rather than distributing it per our agreement and adding the additional principal paid as directed on my payment coupon ( which was always completely and accurately filled out ). The XX/XX/XXXX payment was never recorded/charged from my checking account, even though the check/payment was sent at the end of XX/XX/XXXX. I called to discuss why it had not been applied, and I was told over the phone that it had. I actually made a payment online while on the phone with the agent to cover the payment. He advised me that he had infact found my XX/XX/XXXX payment and that it cleared on XX/XX/XXXX. He then cancelled my online payment so that I wouldn't double pay. I then received a notice that I owed 2 payments and called the company yet again. As it turned out ( it took an hour -- 62+minutes -- to figure out ) the payment received on XX/XX/XXXX was the XX/XX/XXXX payment and they still had not applied the XXXX payment that I mailed in XX/XX/XXXX. I paid both the XXXX and the XXXX payments on XX/XX/XXXX. When I received the XX/XX/XXXX statement for the XX/XX/XXXX due date, my " Principal YTD '' showed " - {$88.00}. '' After my 2nd phone call on XX/XX/XXXX which lasted 46 minutes, they finally figured out that when they misallocated my payment in XX/XX/XXXX, my principal portion was put in the negative so severely that even after paying approximately $ 350/month towards principal, it's still in the negative. They have yet to clear this up. Each month there is a new problem. They still can not guarantee that I'm not being charged interest ( accruing interest ) on debt that has already been paid. When I call, the employees do not know what to do with my issues. On more than one occasion they have blamed me for the problem, saying that I should have waited until the calendar month in which the payment was due prior to making the payment, even though I was simply paying the bill as it arrived *and* my due date is on the XXXX of the month, so I can not send it in on a different day of the same month and still be on time. The company should NEVER blame the consumer for a problem that the company caused. Additionally, the company misfunded my escrow account and they charged me an extra {$1500.00}! I truly believe that this money is messed up in the same way that my principal is messed up and I've been forced to pay this illegally. I just want my money to be applied to my debt in a fair and legal manner.
On or about XX/XX/2018 we contacted our Bank of America to let them know we settled with a lender by the name of XXXX XXXX for a combined total of {$4600.00} for my wife XXXX XXXX XXXX and myself XXXX XXXX. We were informed by a Bank of America Claims representative that the temporary credits issued by them would not be reversed until our response was considered. On or about the XXXX of XX/XX/2018 Bank of America proceeded to reverse the credits and place our account into a negative balance in excess of {$700.00}. We contacted the Claims department and visited our local branch on several occasions requesting an explanation and our funds reimbursed as this matter was already addressed during our settlement negotiations. We were informed over the next several weeks that our claim was escalated, that no one ever reopened it to theyve determined the claim in the favor of XXXX XXXX without providing any documentation proving that our arrangement was invalid as promised by them.
I have been fighting a collection for an apartment that I do not owe on. National Credit Systems is trying to collect on a debt from XXXX XXXX Apartments. I am a police officer and worked for the apartment complex as there private security guard and was given a substantial reduction in rent in exchange for pay. They were bought by another rental agency. When my lease was up I was told that so was the former arrangements and I could either sign a new lease at the inflated rate or move out. I chose to move out, turned in my keys and completed a walk through. I was never contacted by the complex again. Then in XX/XX/XXXX National Credit System started reporting on my credit report. I never receive mail or phone call for this collection and only know of it because I subscribe to a credit monitoring site that shows this collection name along with the apartment, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ). I have tried to reach out to the apartment that has now changed hands 4times and has no record of me, also to the collection agency that refuse to respond or provide any proof of collectoin.
MCOT debt collecting agency XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Tel XXXX XXXX ] XXXX XXXX, Attorney XXXX XXXX XXXX, Violating FDCPA, [ Fair  Debt Collection Practices Act ] A Scavenger Debt Collector, illegally buying up old debt, Out Of Statue, and collecting over and over again, .I was first garnished for a hospital bill from XXXX, In XXXX they took, {$2900.00} from my paycheck and then stopped the garnishment before it was paid in full, This left me thinking it was paid, so they could come back 11 years later to add all these bogus charges, Interrest {$1300.00}, Judgement costs {$50.00}, Attorney fees {$200.00} and then another bogus {$660.00} for garnishment Costs and do this over and over to the citizens, Way out of the 6year Statue Of Limitations, It is an illegal act and can be sued in Federal Court for " MaliciousProsecution, '' Which im in the process of doing, Also turn in the attorney to  the Tenn State Barr Association , Attorney General complaint, In XXXX and XXXX. We have a law which protects us from being sued out of the STATUE OF LIMITATIONS.In this case, XXXX bill being garnishe for the second time in XXXX!
In XX/XX/2017 I had been receiving solicitations from Big picture loans that I was preapproved for a loan of up to 2500. I always threw them in the trash. Last summer I applied as I needed money unexpectedly. The process was all online. I was preapproved, but much info was needed in order to finish the process. I was to provide a pay stub, bank statement, employer information, social security # ect .. I felt all was legit, as this is typical to have to provide this info. to companies/banks etc. The computer system on their end was having issues, so I was directed to call customer service. In order to complete the loan processing I needed to provide a color copy of my drivers lisc. And to expidite the process, I could allow them to view my bank account on line. I agreed, but became angry as they then declined the loan AFTER all info was provided. I feel that they went way too far in obtaining info on me. I called customer service back, and they said there is no record of me applying for a loan, to try again. I am very concerned that I may become a target if identity theft.
Focus Management is attempting to collect a debt for XXXX that I do not owe. XXXX never provided the service. I have a gated yard and XXXX did not have access to provide the service they are attempting to charge for. I verified this three times with calls to XXXX. When I received a notice requesting validation from Focus Management I informed them the account was not valid and that XXXX agreed and instructed them I was in dispute and NOT TO REPORT THIS as they had not validated the debt they still reported the collection.
I was a member of XXXX XXXX XXXX starting back in XXXX. My contract expired in XXXX. XXXX XXXX XXXX bought the company out and the gym memberships resumed without contract month to month. I was never subjected to any fees due to the fact no contract has existed since XXXX. Another company XXXX XXXX XXXX purchased XXXX XXXX in XX/XX/XXXX. I was never contacted in regards to my membership, I was unable to go to the gym due to it being closed for renovations. Still without any contract and no contact made to see if I wanted to stay with the new company I took it into my own hands and declined. I am not receiving bills for the month of XXXX. I am not a member nore do I have a contract this is becoming harassing, I do not owe this new company any money. XXXX XXXX is trying to put be in debt.
Wells Fargo Home Mortgage sent inaccurate information about my payment history to the credit reporting agencies. Wells Fargo stated that i was late with my payment in XXXX of 2013. 
In fact, this information is inaccurate and misleading because I was never late with my payments and I always was sending my payments before due date. There is no shred of evidence to support Wells Fargo Home Mortgage report that my payment was received late. The WFHM reporting is not accurate and in violation of the Fair Credit Reporting Act. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....
XXXX XXXX sent me an email on XX/XX/XXXX stating my XXXX 's credit card was closed due to inactivity as of XX/XX/XXXX I called immediately on XX/XX/XXXX, to discuss re-opening my account. I fully understand creditors can close accounts due to inactivity. I plead my case, stated positive credit history/payment history with the one purchase I made. 
I advised that I was working very hard to bring my credit score up  due to wanting to buy a home over the next few years. I also pointed out how this will affect my DTI, and my positive credit history. 
This is for a specialty card, for beds. How am I supposed to make a purchase when it's for a type of merchandise that isn't bought monthly or yearly? It makes no logical sense from a consumer standpoint to tell them that they need to make a purchase to keep it active when it's for an item that's meant to last long periods of time. 
The reps at XXXXXXXX XXXX were very nonchalant, dismissive and rude to say the least. I have learned my lesson, I'll stick to the major credit cards and use them responsibly going forward.
I have credit monitoring. I was alerted that there was a hard inquiry on my report XX/XX/2018. I checked the company out & dont recognize it. Nor have I applied for anything recently. I called them & they offer no help & can't tell me anything. I want to know who used my social to try & get a loan & i want the inquiry removed.
Hello OnXX/XX/XXXX I initiated a wire transfer to Coinbase.com to from my XXXX bank account. 

The amount of the wire transfer was {$7000.00} to be deposited into my coinbase account within 2 days. On XX/XX/XXXXI received an email saying : " You recently sent a wire to fund your Coinbase or GDAX account for {$7000.00} USD. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us XXXX business days for processing. '' I was very frustrated as the owner names on both accounts are the same and Coinbase prefilled the information I needed to give my financial institution. 

I waited 7 days for this to process and finally contacted them on XX/XX/XXXX as no money was received. They instructed me to go to a certain form which led me right back to where I was in the first place to fill out information ... 

I gave them ALL reference numbers, bank wire numbers, FED reference numbers and they have gone silent. 
This money is very important to me and something I need to rely on. 

Thank you
I am writing you to dispute the above referenced collection account on my credit report.

The original creditor was XXXX XXXXXXXX XXXX XXXX XXXX ( a medical bill ).

I have always paid my bills, and notably before they were due, as the XXXX XXXX XXXX XXXX XXXX could notice by the bills and payments that they have received from me since XX/XX/XXXX.

I was through different insurances in the year of XX/XX/XXXX and I always gave my doctors office ( dr. ******* ****** ), any new insurance information I had.

I received a letter stating that my bill was going to collection although I never received any bills previously that encompassed the correct amount after being sent to the correct insurance companies, even though I called previously and requested those corrections to the reprocessing. ( see attachments ) I believe, sometime in late XX/XX/XXXXor early XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX billing department and requested them to send the corrected bills. In turn their representative went through my insurances in the various dates of services and decided to run them through the correct insurance providers which I agreed to.

The XXXX representative on the phone told me that there was still going to be a balance of 100-something to pay. I requested that she sent me an updated statement so I could verify the payments and I would arrange to pay any outstanding balance. The XXXX XXXX XXXX XXXX XXXX Billing Department representative agreed to this on the phone. ( the proof being that the {$480.00} originally requested was dropped to a lower amount after the final notice ).

It is to my sadness to report that the despite the discussion and agreement an updated bill/ Statement never came. I was surprised that instead of a follow-up call or letter from The XXXX XXXX XXXX XXXX   Billing Department, I received a collection notice from Overton , Russell , Doerr and Donovan , LLP.

I have since paid the balance that was requested from Overton , Russell , Doerr and Donovan , LLP. ( see attachments ) On a side note, even though it is paid, ( see payment receipt ) Overton , Russell , Doerr and Donovan , LLP did not send the update to the credit agencies even after almost 60 days, and after review of the XXXX, I notice that it could possibly be a trend of theirs ).

Since this was an error on the part of the XXXX XXXX XXXX XXXX XXXX Billing Department, and since has created a negative impact on my credit score by negligence on the part of XXXX XXXX XXXX XXXX XXXX Billing Department, reiterating that fact that the original creditor and I had an agreement, ( or contract if you will ), whereas I was supposed to receive an updated bill/statement and I would review and pay any outstanding amount owed, I formally request the immediate removal of the collection account from my credit reports.
After reviewing my credit report I found that this item was fraudulently placed on my credit during my time of XXXX. The Account is : XXXX XXXX XXXX amount {$4700.00}
This company has called my father at his work, my cell phone repeatedly and has threatened my professional license to work in the state of California. They did not identify the name of the company in the phone call, and threatened to call " any and all references on file ''. I have never recieved any written correspondence from this company regarding any owed debt.