WillisBack/dataset-financial-user-claim huggingface dataset:
They called my ex husband telling then they are looking for me to serve a summons to appear in court on a debt for XXXX. He gave me a number to call XXXX..I called and a man answered legal department XXXX XXXX. Have him the file number XXXX ... .he told me I had a debt with XXXX XXXX XXXX and they there were going to summons me to court unless I want to settle out of court for the amount XXXX with a down payment of XXXX ... not knowing what to do I agreed to the settlement..I have done some research along with checking my credit report and there is n't anything on the XXXX nor XXXX. I called them this morning to have them send me a copy of the debt info that they have and the same guy XXXX said I would have to go to court in order to get a copy. They will be attempting to take money from my account on XXXX XXXX for a portion of the agreed down payment towrds the settlement. I will be calling my account to make sure no funds will be removed. I am beginning to believe this is a scam. The go by the name western portfolio assets/XXXX..I have many complaints online in regards to this so called company.
Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX  inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed immediately.
I paid  XXXX   (   XXXX   XXXX   XXXX   XXXX   ) a sum of   money whith they asked for and which they said would satisfy my debt in full.  XXXX  's received and cashed the check.  <P/>  One month later I received a letter from a second company which claimed th at  XXXX  's (   XXXX   ) had sold the account to them and they attempted to collect on it. I disputed the claim but never heard back frorm the company.  <P/> Months later, a third company demanded payment for the same erroneous debt, claiming  XXXX  's had sold the debt to them. I told them the original claim had been paid to  XXXX  's years earlier. I received no response.  <P/>  XXXX  's, despite multiple attempts to have them rectify the situation, falsely continues to report money as owing to them and continues to damage and impair my credit reputation.  <P/> It is likely that  XXXX  's selling other erroneous claims to second and third parties and failing to make sincere and reasonable efforts to review their false, or possibly falsified records.
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX
On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On XX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or XXXX verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.
I had a Capital One Credit Card to begin rebuilding my credit. I funded the prepaid credit card from my " Capital One Bank Account ''. After a couple weeks of charging the card, I wanted to pay the balance down. Not in hopes of using it soon, but to let it sit and help rebuild my credit. After making the payment, I noticed the bank account the payments were set to come from was an account i did not add. In fact, it was an older account I had years ago. An Account I have not had access to in literally, YEARS. After realizing this, I contacted the company to alert them to the error, Although an account that was listed, not added by me nor on my behalf. It was not even the account that was used to fund the card. Mind you, its a capital one bank account as well. So after telling whatever representative i was speaking with the account error, he did not help to cancel the payment, nor notate my account for anything I informed him of. And Yet again, I DID NOT ADD THE ACCOUNT AS A PAYMENT METHOD TO MY CREDIT CARD. So after a week, They closed my credit card account. I attempted to call, spoke with a manager in the fraud department. He informed me, the transaction was flagged as fraud. I did not attempt to make any purchases or anything with the card since the payment was attempted. I informed him of what occurred, which is everything I explained above. I have direct deposits with the company that comes from my employer, have been an investment client with the service. NEVER HAVE I EVER BEEN TREATED SO HORRIBLY BY A COMPANY!
On XX/XX/2018 I had XXXX XXXX. In the process of doing so XXXX XXXX XXXX was engaged to do some XXXX test. They were paid as a out of network provider and are trying to claim I have additional obligations as they are trying to collect " balanced billings ''. 
I was explicit in my instruction to the hospital and to the medical personnel that no out of network providers are allowed to perform any testing or surgical procedures on me. 
1- I never authorized XXXX XXXX XXXX to perform any tests. 
2- XXXX XXXX XXXX are not affiliated with the XXXX Hospital- very deceptive. 
2- The doctor was specifically told to not use any out of network providers- 3- XXXX XXXX has paid them their portion that the insurance company would normally pay. 
4- XXXX XXXX XXXX has been non responsive 5 This is a billing issue between XXXX XXXX and XXXX XXXX XXXX
I do not owe any $ for the XXXX bill which is on all of my credit bureaus. They must be confusing my name, XXXX XXXX, with another person of the same name. This is not me and I do not owe the {$150.00}
I purchase my vehicle on XX/XX/XXXX from XXXX. Right after I purchase my vehicle I was laid off work on XX/XX/XXXX. I had no income to pay for the loan. My family and friends trying assisting me in my car payments. I contacted the lender and explain to them that I had lost my job and I wanted to return the SUV and Cancel the loan. Santander was very rude to me and told me NO. I have been struggling a whole year trying to pay this high car payment of {$750.00}. My contract states with XXXX that I only had 5 calendar days to return the car it was 12 days after I purchase it. I owe {$30000.00} back in XXXX and XX/XX/XXXX they put those 2 payments on the back end of my loan and reported to all 3 credit reports that I was 30 days late even though they have taken it but those loans on the back of the loan. Because I'm still looking for employment so that I can take care of the car loan I'm back again 2 months behind going into 3 months because I just can't afford the vehicle unless they lower my payments or take the car back and not give me a repo on my credit report.
PlusFour, Inc.   XXXX   XXXX   XXXX   XXXX  , #  XXXX ,  XXXX , NV   XXXX   sent me a notice on   XXXX   XXXX   XXXX   stating that I can dispute their charge of {$72.00} within 30 days of receiving their notice. I disputed this charge in my letter of   XXXX   XXXX   XXXX  . See my attached letter of   XXXX   XXXX   XXXX  . I had not heard from them but found that they reported non payment of this account to the   XXXX   credit agencies ( e.g.  XXXX  ), thereby affecting my credit rating. So I sent them a letter on   XXXX   XXXX   XXXX   ( attached ) asking that they reverse the nonpayment to the credit agencies and that I would remedy this charge. I never heard from them and it is now   XXXX   XXXX   XXXX   and their notice to the credit agencies still persist. Account #  XXXX
MIDLAND CREDIT FUNDING IS REPORTING THAT I OWE THEM A DEBT. I SENT THEM A NOTICES REQUESTING VALIDATION AND NO RESPONSE
XXXX has submitted a collection three times on a bill that I do not owe. I have disputed it this collection twice before with XXXX CRA 's and it was removed. Now they have placed it with a XXXX collection company.
Hi, i recently start to notice unusual activity on my account for example i have ( XXXX  credit account ) which is still open however in equifax report it said its closed!!!, also i found some disputes & remarks have been added lately which i never did, also it said that ( XXXX credit ) increased by XXXX $ which is not true because it didn't increase and i didn't use it for months, someone is using my equifax credit, kindly investigate it Regards XXXX XXXX XXXX Or XXXX
On XX/XX/2018, I had a procedure done at XXXX XXXX Hospital in XXXX, MS . I was advised that they will bill my insurance and then send a bill for the balance. I received a bill at the end of XXXX for a payment to be made XX/XX/2018. I paid a total of {$40.00} for this month and then began paying {$5.00} per month thereafter. I have been paying each month and XXXX  turned the account over to XXXX. XXXX then started stating the collection is due in full or would be turned over to credit reporting agencies. I responded stating that I could not afford to pay the full balance and that I am paying what I can afford. I have continued to submit these payments each month, but now they have started reporting this as a collection on my credit. I do not feel that this is acceptable when they are accepting and cashing my payment each month and should not be reported on my credit.
I requested that my PMI be removed from my mortgage company ; PennyMac on XXXX XXXX after I had reach my required 20 % of the original loan. I was told that I needed to either get an appraisal or a BPO. My house was brand new when I purchased it in XXXX XXXX, XXXX, so I figured that a BPO would be the way to go since it was cheaper. I never heard back from the mortgage company so I preceded to call numerous times ; XXXX, XXXX, XXXX. I was told that my appraisal by the BPO was {$220000.00} by XXXX person which is above the selling price and then told again by another individual that it was {$190000.00}. The selling price was {$220000.00} and I put {$38000.00} down making the remaining balance {$180000.00} at closing. I have paid my mortgage on time and above the payment amount each month. I even had to call a couple times when I first started receiving my payment bill because it would come late and I was told that I have a grace period of 15 days, which I am aware of but I like to pay my bills before the actual due date. I was also told that a copy of the BPO was sent out on XXXX/XXXX/XXXX which I never received and I told them that, and they said that they would send it out again. I have n't seen the copy as I today. I requested the BPO to be disputed because their is no way my house has depreciated {$27000.00}, It 's a new house and the market is better now than when I bought the house! My current balance of the loan is {$170000.00}. The last time I called was in XXXX XXXX, XXXX and the individual told me that my house thru XXXX is {$230000.00} and that she was going to talk to her supervisor and get back to me. I still have n't heard anything. I received the BPO fee on my mortgage statement this month and I refuse to pay it until I get a copy of it. I would like restitution since I first requested that the BPO was originally asked.
I received a letter claiming I owe a debt from a collection agency when I was not contacted about this debt prior to sending it to collections. I am unaware if my roommate was contacted or not, however if we are XXXX being held accountable, we XXXX should be contacted separately, as we no longer reside together. 

I do not owe charges to replace the carpet in the apartment, as we noted upon move in, that the carpet was sufficiently worn in the areas they are now claiming were our damage beyond normal wear and tear upon move out 6 months later. I vacuumed weekly, not once was a single thing spilled, and we did not have company over as we are XXXX from Connecticut. The damages they claim are what we noted upon our move-in inspection and are not possible with our standards of living and within 6 months. On the carpet invoice dated XXXX/XXXX/2015, it states disputes will not be honored 30 days after invoice date. I was not given the chance to dispute these allegations, as I was not notified. It should also be noted, that there was a change in management between move in and out dates. We are being held accountable for the discrepancy of their change in standards in regards to move in and out conditions. Had the same person done the inspection prior to us moving in, they would have seen that the carpet was in the same condition upon move out. Neither the management prior or current have pictures at the inspection times of move in or out apparently ; nor do I, as our previous apartment, we never had these false accusations of damage. I thought we were quite meticulous with our move in inspection notes and intentionally noted the carpet condition under " additional comments '' as we felt it did not pertain to any one category. I will be sure to be overly persnickety in every rental agreement to come now, because of these false accusations. 

The leasing office was verbally notified we would need to terminate the lease as far back as mid XXXX. I am aware, however, that they needed written PCS orders which the XXXX did not provide until XXXX. My roommate stated he was taking care of the final payment for rent as I had moved out XXXX XXXX, 2015. I understand I am legally bound by the contract, however, if I am being held to this debt collection I should have been notified of the debt prior to the collection agency. A resulting {$370.00} in legal fees is now also being charged, in addition to the carpet replacement they are trying to pin on us.
Purchase house in 2005, value at that time {$220000.00}, value now around {$200000.00} ; at time of purchase with Bank of America, HELOC used as part of purchase, {$46000.00}, HELOC at XXXX yrs., paid around {$24000.00} in interest/XXXX., for next XXXX yrs. to pay $ XXXX/mo., for additional {$75000.00}. Bank unable to refinance for lower and fixed interest due to value of house.
I received an alert today that my credit score had changed. Upon logging into my account, I noticed that a new collection had appeared from Midwest Recovery Systems LLC. for an  unpaid amount of {$210.00} from XXXX. I was never notified of debt owed and after researching this company, this appears to be an extremely common reoccurring issue. This incorrect debt is being reported to two of the three credit reporting agencies and negatively affecting my credit score.

I am in the process of disputing this debt collection and recovering my credit score, however the fact that this is a known issue, a fraudulent company, and horrible business practices, makes me want to report this as soon as possible so something can actually be done to stop it.
We received an agreement for a principal reduction provided our payments were made on time. We have complied with the agreement and now they refuse to apply the principal reduction. I contacted the loan servicer ( Nationstar Mortgage ) and now they say the principal reduction was denied despite my agreement to the contrary.
Nationstar Mortgage Acct.   XXXX   Balance :   XXXX    Interest:2 % ( unitl 2020 )
Just got and owe amount from a employer I use to work for saying I owe a bill I never receive that I owed an amount and its not because I moved because we transferred out mail with us weeks before we moved now I I owed I would paid but I never received anything in the mail and still Havent. But a debt showed up on my credit report thats not right without not receiving the proper documentation. Theres no account number or reason why just sad and Pathetic
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  2017 XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Bank of America Home Loans  transferred my mortgage to  XXXX   XXXX   XXXX   XXXX  ( BLS ) effective   XXXX   XXXX  . I started receiving mail from BLS that I was  XXXX  months delinquent. I filed numerous inquiries with BLS (   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    )  and submitted documents showing proof I was not delinquent and asked  XXXX  to substantiate their claim, which they can not do. They stated to me that they could not provide this information because they did not have it or serviced the loan prior to   XXXX   XXXX   So BLS is collecting on a debt they can not substantiate is warranted.   Not until I filed a CFPB complaint, number  XXXX  that  XXXX  gave me  XXXX  's history information so I  XXXX  review. Reviewing this information, shows where the mistakes occurred but all money is there. Based on the information that was supplied from BLS from my complaint, it does not show that I am delinquent  XXXX  payments.Both BOA and  XXXX  are at fault to the information between the transfer.   Had BLS verified the information before, during and after the transfer from  XXXX ,  XXXX  would have seen the mistakes and realized all monies are accounted for and that  XXXX  has made the posting mistakes.   In order for  XXXX  to open a BOA inquiry, I had to enter a re-payment plan in order to avoid foreclosure. A plan that I should not have had to enter. My BLS point of contact from communicated that my  XXXX  inquiry to investigate posting mistakes was opened   XXXX   XXXX   XXXX   Today,  XXXX  months later, I still have not received a claim number or any resolution about the mistakes.   I have supplied all supporting documents that prove I have made all necessary monthly payments and that my account is current.  XXXX  continues to post my payments to the incorrect months.     Sincerely,  XXXX   XXXX   XXXX
i have many negative accounts thats not mines.I suffer from XXXX i was in an XXXX XXXX in my family since my XXXX  was XXXX in front of me I fell apart. Someone took advantage of me.XXXX XXXXl , XXXX, XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX collectrions, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX , XXXX XXXX, XXXX XXXX , several repeated collection account i dont have any negative credit. it looks like woman stuff im a man. all these acconts are not mines.
Certified bureau of the ( that is all that is showing for there name, on my credit report ) I have no idea who they are and I have never received credit, goods or services from this company. One day, I started received calls from this company, they were threatened to sue me and destroy my credit, if I did not pay them {$120.00}, The calls came back to back day and night, I finally gave in just to get some peace. But, I was under the belief, that if I paid them, the account would be cleared from my credit. They completely lied to me and extorted monies from me. 
The original account was from XXXX XXXX XXXX XXXX, I had XXXX when I went to the hospital and I guess this is some type of co pay. But, I never received a call or any mail for XXXX XXXX, stating I had a balance or requesting a payment. I was never given a chance to pay any outstanding balance, if any was due. 

IC SYSTEM has the same approach, they call night and day, threatening to sue and ruin my credit. They called and spoke to my friend, who answered the phone and told him, my personal business and what they were going to do to me. The original account was a XXXX XXXX account for {$67.00}. I don't have account with XXXX XXXX, nor do I owe them and monies and have never received a call form XXXX XXXX or any written notices or bills, stating I owe them monies or requesting monies. This is not my bill and has been placed on my credit report. I do not live in XXXX XXXX, I live in another city, in Louisiana
After paying the large amount off in full, I asked the associate if I would have any occurring fees ( conversation was recorded the day of pay off ), she said no as I was paying off the account in full. I asked several times and and she explained since I was paying off the total balance, I would not have any fees. Roughly a month later, I received a credit alert on my credit score as it dropped XXXX points. When I investigated, I saw that I was in collections from the account I paid off in full over a XXXX cent fee on the account that showed I was over a month late on. When I called, the manager took off the XXXX cents but explained because it was a fee that posted 4 days after I paid off the full balance from interest that they could not remove the derogatory remark from my credit score, yet they removed the XXXX cent fee. My XXXXredit score has suffered XXXX points due to this error from US Bank Card Services. 
I paid off the balance in full according the card balance/statement on the phone with an associate. 
I was not called to resolve this otherwise I would have paid the amount off with my pocket change. Being I am a full time XXXX XXXX XXXX XXXX employee who assisted in fire response all summer, I did not have time to continuously check an account I had paid off in full ( which is why I paid off the large balance in full ) and was verified there would not be occurring fees after the pay off. 
Furthermore, at the day of pay off, I asked to close the account but was advised that my credit history would be deleted which would negatively impact my credit score. If I had closed the account, the XXXX cents theyre system added in error would have never happened. My credit score today would be XXXX points higher if I had just closed the account.
Synchrony bank offered a no-interest for 6 months credit card ( as long as you make payments on time ), but never mailed me a bill before a payment was due! They 're trying to weasel out of the deal by causing people to make late payments who would otherwise pay on time if they received the bill on time.