WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
PHOENIX FINANCIAL SERVIC is a ttempting to collect a debt that is not mine from   XXXX   XXXX   XXXX   which i have disputed them so many times with other  debt collectors they say th ey will handle it and now it is popping ack up again. that it is getting ridiculous and i am about to hire a lawyer. this is not my debt i never even been to north carolina. date reports as opened  XXXX  on my credit report. i been in Georgia this is crazy.
I went to local Bank of American Branch and forwarded {$500.00} XXXX Money Order for a secured credit card. 
I was approved and received my card from Bank of America. 
Within days, my first transaction was declined. I called and was told that my account was closed due to NSF check. I immediately went to the same XXXX XXXX and they forwarded me a printout showing the Money Order was issued and was never even presented for payment. 
I went to the same Bank of America and was told that there is nothing they can do because I do n't have a bank account with Bank of America. She called her credit card department and was told the same thing ( with correct money order # and routing number ). 
I received a generic letter from Bank of America - " We 've received notification from your bank that the check that you provided to secure the above referenced account has been returned due to the transaction was not authorized ''. There is NO accompanying return Money Order or any form of payment. 
I went back to XXXX and again they confirmed the same thing - money order was issued but has not been presented for payment. 
I returned to Bank of America branch to inquire WHERE IS MY {$500.00} Money Order. Once again, they told me they have nothing to do with the credit card department. 
This amounts to legal bank robbery.
I had a credit card with Home Depot. In XXXX 2015 I closed the credit card account, paid the bill, and destroyed the card. The payment for the final bill arrived one day late. Home Depot charged me a late fee and interest, then continued to charge additional late fees on the previous late fee each month. They would send me emails saying that my bill was ready, which I assumed was an error since my account had been closed. Four months after I closed the account I looked at XXXX of these emails and saw that they claimed I owed {$130.00} - compounded late fees. I called an XXXX number and I spoke with XXXX, who did not feel that I had any right to claim this was unfair, and asked that I pay the full amount. When I asked to speak to someone else, she agreed, put me on hold then hung up. I have repeatedly tried to call back but always get the message that they can not talk to me now and to call back.
I have some accounts on my credit report that are not mines. I can not dispute online per Experian. Experian is not questioning these accounts just saying they are mines. I have a lot of inquiries I have disputed they wont remove but yet put a fraud alert on credit report. 
Account XXXX ' XXXX XXXX XXXX, shows on credit report as a charge off not once but XXXX. Both accounts should be deleted. Both are wrong. 
Account XXXX XXXX XXXX, opened in 2006 should have been deleted due to age of account more than 8 years old and information is incorrect. This account was deleted by XXXX. 
Account XXXX XXXX, this is not my account. 
Account XXXX XXXX, account on this report should be deleted. I have a XXXX for them. ( attached ) Account XXXX XXXX XXXX, This account is paid in full not a charge off. 
Account XXXX XXXX XXXX, account not mines and has been deleted by XXXX . 
XXXX account is not mines and have dispted with experian for the last 5 years.
This fraudulent account has been previously removed multiple times as XXXX has never provided any documentation, and when I call then they say they have no accounts in my name. Furthermore their collection agency, I C SYSTEM INC, has never provided any documentation. Both have been informed by phone and in writing that this account was fraudulently opened by my ex-wife, XXXX XXXX, and refuse to take any corrective action.
I went into a   XXXX   XXXX   store located on  XXXX   XXXX  in  XXXX  ny. I asked the clerk for a     XXXX   XXXX   XXXX   for my cell phone but he did not have it. I turned around and walked out of the store. The clerk then chased me down into  the street  to ask me if I wanted to see if I was eligible for a free  XXXX . Being in need of a working telephone I walked back to the store with the clerk. After  XXXX  minutes of running my name in his system the clerk says hey you are eligible for an  XXXX . The only thing is that you have to pay  XXXX  dollars a month for it. I said honestly that 's a little expensive sir I do n't know if I can afford that. The gentleman continued persisting I get the  phone  & mentioning perks of having a  XXXX  with the   XXXX   XXXX   service. After a couple minutes of persuasion & reassuring me I finally agreed to get the phone. The gentleman then folded sum paperwork ackwardly & ask me to sign at the bottom for the    phone.   I had no clue that I was signing a contract agreement between me and a phone leasing for the  XXXX . The clerk lied about the agreement on the phone & did n't even mention that I was leasing a phone. He claimed I was paying  XXXX  dollars a month which was  XXXX  for the service and  XXXX  dollars off the price of the phone which is initially only  XXXX  dollars on the receipt. I payed up front  XXXX  dollars for the phone not to mention  XXXX  payments or more of  XXXX  dollars every  XXXX  weeks was removed from my account unauthorized. I went back to the clerk and pleaded with him to please take the phone back but the gentleman would not. He did n't want to service me anymore after I made the purchase which was not even a  XXXX  of the initial payment transaction. I spoke with the store owner about the ordeal and he apologized and agreed to take back the phone. We had schedule a day to meet at another store location of   XXXX   XXXX   on  XXXX   XXXX  but was unsuccessful due to lost of contact. I called the owner numerous times and left numerous messages to return my call but was unsuccessful.
I was contacted by a company called XXXX telling me I had took out a payday loan. I told the lady no I did not and told her someone must have took my Identity. She told me to file a police record and send it to her as I was asking questions and telling her I had not lived at the address that was on the loan in 8 years she up told me you know you took this loan out and you need to pay it. I told her no I did n't and she hung up on me. I files identity theft online and got assigned case number XXXX.I got assigned a detective XXXX XXXX with the XXXX Financial Crimes XXXX. his email XXXXXXXXXXXX.The detective contacted XXXX and got of the information concerning this loan in which he stated was a pay day loan. The information I have received about this has been though the detective not the XXXX.I have found out that there was a company called XXXX XXXX used as a place of employment, XXXX XXXX XXXX used as the bank plus a phone number XXXX.This loan from what the detective has told me was taken out on line IP addresses are not in texas. Things were quite until XX/XX/XXXX when a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX hit my credit requesting a credit report I never authorized. I called them up asking them why and who they were the man tells me he is a collection company and his customer was cash central that 's first time I heard that part.I did research and found out cash central is part of community choice financial located in XXXX Ohio XXXX.Their rep called the detective and he told her he had been waiting on more information from them and the bank used along with giving this XXXX no last name the case number. Community Choice Financial continues to have collection companied call me threat me. A company called XXXX XXXX XXXX threaten me over my assigned company number which I had given to XXXX at Community Choice Financial to help get this issue solved but she forwarded it to XXXX XXXX XXXX XXXX in which he gave me a false name on XXXX XXXX. I filed with the Federal Trade Commission and sent that info to Community Choice Financial. They have the case number for identity theft report. Today after I sent the letter again to community choice financial they want me to send them an Affidavit notarized and my government ID They did not take any type of id for this online loan from my understanding and with all these emails with Name last name people and false names I do n't trust sending them my information. When I filed Id theft I did not even know any information cause I have got nothing from cash central or any of the names companies in this report. All my information has came from the detective. I just want them to stop and I want a rep of theirs to come see me with the detective Regards XXXX XXXX
I have XXXX credit cards with bank of america. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.
Citimortgage has placed several false statements on my XXXX XXXX XXXX consumer credit reports. My mortgage was discharged in Chapter XXXX bankruptcy XXXX XXXX, 2011. They have entered " missed payments '', " late dates '', " foreclosure '', and a " dismissal '' on my credit reports post bankruptcy. The mortgage was never reaffirmed and personal liability ended along with my discharge. They are attempting to re-age the account so that I can not recover from bankruptcy. When I disputed the information to both credit agencies, Citimortgage added even more damaging data. Reporting post discharge data without reaffirmation is a violation of my bankruptcy discharge. I can not be late on a account in which I have no personal liability & a foreclosure post bankruptcy, is a action against the property not me. They have XXXX years worth of entries post bankruptcy.
According to XXXX XXXX XXXX XXXX ( " XXXX '' ) selling guide under " XXXX Registration '', it reads " If a lender registers a mortgage with XXXX after XXXX has purchased or securitized the loan, the lender must name XXXX as the investor during registration and notify XXXX of XXXX ownership interest in the mortgage. ( The MIN will not have been included on the Loan Schedule or Schedule of Mortgages. ) '' Go to Exhibits " A '' and " B ''. 
This is exactly what Plaza Home Mortgage, Incorporated ( " Plaza '' ) did when it registered the mortgage with XXXX in 2006 after XXXX already purchased or securitized the loan. 
Go to Exhibit " C ''. 
Yet Plaza 's employees, counsel, and attorneys have the audacity to insist that Plaza sold this same mortgaged loan to XXXX XXXX XXXX even after XXXX had already purchased or securitized the same loan when Plaza registered the mortgage with XXXX in 2006. 
But Plaza does not stop there. Plaza continues to insist that " The Plaza Mortgage and associated mortgage note was sold and record notice of the transfer is documented by that certain Assignment of Mortgage recorded in the Bureau of Conveyances of the State of Hawai'i as Document Number XXXX '' ; and that " Plaza 's Mortgage, which is secured by the Property, was transferred to XXXX XXXX XXXX, XXXX XXXX. '' ( " XXXX '' ). 
Go to Exhibit " D ''.
The debt collection company Bilateral Credit is attempting to collect a debt that I do not owe. I have documentation clearing showing that the debt was paid in full in XX/XX/XXXX directly to the original creditor. However, the company continues to harass me by calling me at work multiple times per week. They did not respond to my letter showing that the debt was paid-in-full. Instead, they have continued trying to collect the debt more than one month after I provided this documentation. 

I have attached to this complaint my correspondence with bilateral credit and their correspondence to me. This also includes the documentation that shows the check I mailed to the original creditor with the letter attached. As stated in my payment letter, by depositing the check, XXXX acknowledged that this debt was paid-in-full. 

Bilateral Credit has now filed a negative account status on my credit report with XXXX. As this is a dispute between an employer and employee, this should never have been reported on my credit report as delinquent consumer debt account. There was never any debt agreement in place with my former employer, so I fail to understand how this can be reported as consumer debt. Nor did I ever enter into a debt agreement with this employer. This is clearly harassment, and Bilateral Credit is violating the Fair Credit Reporting Act by submitting this improperly.
I am contacting your agency because I need your help in disputing some charges done on my Citi XXXX XXXX XXXX by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Citi card by the companies : XXXX XXXX, XXXX XXXX and XXXX charged last year between XX/XX/XXXX and now XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
"  XXXX  '' from Nissan Motor Acceptance Corporation called me on  XXXX   XXXX ,  2017  initiating the call at  XXXX   XXXX  registering on my voicemail at  XXXX . He called me on my cell phone that is registered with them and caller ID registered him as calling from  XXXX   XXXX   XXXX .   XXXX  I have been having a hard time keeping up on my bills since I have been hospitalized so many times the past year and in  XXXX  of last year  XXXX  did the same thing to me! My area code and physical location are both in California-I have not been traveling,  Nissan  broke the law again in calling me before  XXXX .
My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tell s me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( th e default ) however, they should have to report my payments and show that I am trying.
I attempted to close an account in XXXX 2015 because I had automatic payments I could n't get stopped. I brought the account to a zero balance as I was told, but the account did n't close.I would deposit money to the account to again bring to a XXXX balance but still would n't close.Bank of America took money from my mother 's act to bring to a XXXX alance, but they still have n't closed it.Eventually the brach call the back office last month, they put stop payments on all the automatic debits, but the keep coming out. I was told to call the phone center for my fees and they basically laughed at me. I asked to speak with a manager who need called me back.Called the branch and they wo n't reverse the fees because it would count against their branch. Today they have taken {$92.00} from my regular account to put in the account that is overdrawn with automatic payments still coming. I have emailed the CEO, but I doubt I will hear anything.
I have recently been informed that there is negative information being reported in credit files maintained under my social security with XXXX and Experian. They claim the information was reported by Federal District, US BKPT CT FL XXXX from XX/XX/XXXX. <P/>I challenge the accuracy, compliance and reportability of these entries. I have sent confirmation verifying that these entries were not entered by the entity in which my credit reports claim. I have concerns of identity theft and have filed a report with the IC3.gov on account I have received threaten emails from scammers including my social security number and demographics. Therefore, I do not consist to automative reporting from 3rd party data companies. Even upon this verification XXXX and Experian still insist on reporting this information. My initial request for validating this information with these credit bureaus was on XX/XX/XXXX and a second request was made after they claimed the information was validated. Their claim was inaccurate and conflicted with the verification letters I sent them from the court stated they did not report the information. <P/>XXXX has complied with this request, however they continue to report inaccurate information as well. They are reporting US BKPT CT TENN from XX/XX/XXXX. My initial request to validate this information was also made on XX/XX/XXXX and included a letter from the court stating they did not report this information. As of XX/XX/XXXX I have also initiated a security freeze with XXXX XXXX in efforts for me to clear up some inaccurate information being reported to the credit bureaus. <P/>All three credit bureaus continue to report the of XXXX XXXX XXXX for XXXX XXXX XXXX in the amount of {$4300.00}. They claimed 1st of date delinquency XX/XX/XXXX. I moved out XXXX/XXXX/XXXX. I m I have disputed this with XXXX XXXX XXXX who insist their information from XXXX XXXX is accurate and therefore validated. The credit bureaus continue to report this information dispute the evidence I have supporting that this information is missing data and inaccurate. The evidence XXXX XXXX XXXX has supplied me as validation was a move out inventory sheet which lacked my name, apartment unit, signature and the start lease date was incorrect. They included this with a copy of the first two pages of my signed lease and an itemized billing statement that reflected a base rent that conflicted the signed leased, legal expenses for filing eviction despite I have moved out 3 months prior to their eviction, and claims of damages. My evidence included their evidence pointing out the discrepancies, my noticed to vacate and XXXX XXXX acknowledgement of my notice to vacate prior to my moving out. I also included a copy of a rental verification for another property where XXXX XXXX still acknowledged I had submitted my notice to vacate prior to my moving out. I have filed a complaint with the Better Business Bureau for this unfair and inaccurate reporting by XXXX XXXX.
Hello, I am in the process of a dead in lieu for a property with XXXX mortgage lenders listed on it. I was told by the XXXX Lender XXXX XXXX XXXX they will take care of notifying the XXXX mortgage ( Suntrust ) on the dead in lieu. 
XXXX sent me a letter requesting for authorization from Suntrust. 
I called Suntrust and was told they have never heard of this arrangement and was put on hold many times because they did not exactly what a dead in lieu is and the procedure for it. I kept being asked to make a payment, which I can not do since I do n't have the funds to do so. Suntrust is very uneducated in their products and procedures when a customer calls them.
In late XXXX I bought several thousand dollars of furniture from XXXX. 
I had an agreement to pay the furniture off without interest. I understood the payments to be due no later than XX/XX/XXXX. I made payments monthly prompted by an email sent to me. An email came monthly from XXXX XXXX stating your payment is due. I set the date for payment on the automated system and kept track of my payments as I was eager to pay the balance due before the end of the initial term. 

In XX/XX/XXXX with a balance due of {$610.00} I made my final payment. 
I was subsequently sent notification that the end of the time period to pay without interest had lapsed in XXXX. I was told that I should have looked at my statements to know this. However, I've repeatedly explained that the emails and statements I received and responded to monthly were not clear about when the term would end to pay the loan in full without interest. I have paid off such loans before and it has always been clear when funds were due without interest. I feel the information was hidden from me by virtue of my having to click through several layers of information on line to see this deadline ... rather than clearly stating the deadline was coming in the email itself or certainly on the page where I set up monthly payments with my bank. 

I have called the company every few weeks since early this year to settle the matter and negotiate a settlement with the Bank. The people who work there are completely incapable of helping. They listen, put me on hold, send me to another person, who states they can help and they really are not able to do so. 

As the months have gone on XXXX/XXXX XXXX just keeps adding more interest and more late fees to the account. Where I owed {$610.00} in XX/XX/XXXX, I now owe {$1100.00}. 
Late fees and interest are added monthly. 

They instructed me several months back to go on their website and explain my issue in their consumer center. I did so. I waited for an answer. First they did not answer. Then they answered in a general letter, but never addressing my specific problem. I called again asking if I could negotiate with someone in collection as months had gone by as I am willing to make a payment of some kind. By that time I was 6 months in arrears. They told me they would issue me a credit ( which they did not ) and reset my delinquency back to month one, explaining this would help me. Of course, it did not help me. While this is going on, I have received a 100 robo calls or more all day long on my cell phone and home phone number. During the robo calls no one who calls me has read the details written by the various employees who I had already spoken with. At one point, the robo caller suggested I " contact a lawyer before it is too late. '' I have been eager to settle the matter for months. 

Can you please help me find a solution. I feel they have dragged me on intentionally with all my calls and all their robo calls just to add more interest and add more fees. I've read about them on line too and see they are known for these kinds of actions.