WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX collections have been placed on my credit report relating to unpaid utilities that are not mine. All XXXX collections seem to relate to an address at which I have never lived. I contacted the utility company associated with Pro Collect 's collection, and they confirmed the delinquent account is under a different social security number and birth date as mine ( although same last name ). Pro Collect refuses to remove the collection despite me providing information to demonstrate it is not mine. I have contacted all XXXX credit reporting agencies and submitted documents and a letter proving that the debt is not mine, yet the collection continue to appear on my credit report and remains unresolved.
I've been making monthly payments to Rushmore Loans, Rushmore Loans is Foreclosing my property saying I was 4 payments behind on a previous mortgage. I faxed Rushmore Loans all my mortgage reciepts of payments from present to past XXXX XXXX from Rushmore Loans said that it wasn't enough information that I have to contact my previous mortgage XXXX XXXX to get and update. When I called XXXX XXXX and faxed my mortgage reciepts and explain my situation XXXX  XXXX said it's out of there hands and it's Rushmore Loans that has to make an decision.
I had a direct student loan that was being serviced by XXXX. While under XXXX, I had zero issues. However, that company underwent a buyout and in the process of doing so sold some of their loans to UNISAINC. UNISAINC makes almost no effort to indicate that payments are due - the only notification from them that either I or my girlfriend ( who also has loans serviced by them ) are letters in the mail that often arrive on the date of or after the payment due date informing us that we owe money. Since both of us are proactive, this isn't a huge problem for us personally but could be one for other borrowers. Our main problem is in how difficult UNISAINC makes payments. Every. Single. Time. I go to make a payment online, their website is having issues. Sometimes it will log you out for clicking the wrong link. It is frustratingly slow. They make it difficult to access the payment page. Most frustratingly, there are entire *weeks* where you can not access their website. I understand that the CPFB is better able to serve with specific information - however, there are no specific dates or actions that stand out in particular. This is a repeated problem since UNISAINC has become our servicer. Unfortunately, payment by mail is not an option due to the aforementioned inability ( or unwillingness ) of UNISAINC to contact us in a timely manner. Unfortunately, payments over the phone are not an option as well since their phone lines close after work hours. Additionally, when I have made payments in the past, they have taken longer than their stated processing time to apply the payments. This has caused financial injury to me as I have overpaid as a result of their negligence. 

It seems obvious to me that UNISAINC is willingly engaging in practices designed to make it more difficult for borrowers to repay their debts. 

Attached is a collection of receipts from UNISAINC and a screencap taken as I tried to log in to my account and pay on XX/XX/2018
I 've personally written numerous letters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) to the each individual company and all three Credit bureaus, to have these account removed from my credit report. These account do not belong to me and are greatly affecting my credit score. Which is also damaging my quality of life.
I bought an investment property in XXXX 2015. My original mortgage was serviced by XXXX XXXX. The house I bought was appraised at {$200000.00}, but the seller agreed to sell for {$200000.00}. I paid XXXX % of the purchase price and XXXX % was paid by lender. An Escrow should have been needed in this situation, however, I agreed to open an escrow to impound taxes and Insurance with the understanding that when I make 12 consecutive payments the escrow will be removed. The mortgage servicer transferred the loan to Freedom mortgage on XX/XX/XXXX, which was couple weeks after I made my 12th payment. The new services refuses to remove escrow and have cited incorrect reasons for not removing the escrow. ( attached is the letter denying my request to remove escrow ).
This account was originally deleted from my credit report inXX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.
I have XXXX Bank of America credit cards. On XXXX/XXXX/2015 Bank of America showed online that I had a roughly {$3000.00} dollar balance on credit card # XXXX. I, in fact, had a {$3000.00} dollar balance on credit card # XXXX. I paid {$3000.00} to credit card # XXXX. This resulted in a - {$2900.00} credit on credit card # XXXX. On XXXX/XXXX/2015 Bank of America showed online that I still had a roughly {$2000.00} dollar balance on credit card # XXXX. I again paid {$2000.00} to credit card # XXXX. This resulted in a - {$4200.00} on credit card # XXXX. On XXXX/XXXX/2015 I attempted to shift {$3000.00} of then then - {$4100.00} credit back to my regular checking account with Bank of America via the online transfer. I was charged a {$150.00} fee for this. At the time, I had a - {$4100.00} credit on the credit card.
I was a victim of fraud back in XX/XX/XXXX. I had just XXXX XXXX XXXX and had multiple accounts for utilities and cell phones that did not belong to me. The person was using my social but not my correct date of birth. I went to the police dept. and was advised to contact the credit companies. Without a name or any information on the person doing it there was nothing they could do. In XX/XX/XXXX I ran into the same problem when I got a call from a bank after someone opened an account online with my information. I have been going back and forth with the credit berues since XX/XX/XXXX. THERE SHOULD ONLY BE XXXX ADDRESS ON MY CREDIT REPORT. HOME ADDRESS WHICH I ATTATCHED A COPY OF MY DRIVERS LICENCE AND MY HUSBANDS ADDRESS WHICH IS THE XXXX XXXX ADDRESS XXXX MO XXXX. ALL OTHER ADDRESS DO NOT AND HAVE NEVER BELONGED TO ME
I was fighting a bill with XXXX XXXX XXXX in XXXX, NJ back inXX/XX/2017 Before the complaint was resolved, they sent my bill to collections, XXXX , XXXX After some time, I started making payments, online, to XXXX. Unknown to me, this debt was suddenly transferred, without notice, to a company called Transworld Services Inc. 

After speaking with them numerous times, they will not allow me to make payments online. They online system also does not keep track of payments made, and the only notice you get is when the debt is paid in full. So there is no way to trace the payments I made to them. I am also not comfortable giving out my information over the phone to a company I know nothing about. They have over 70 complains on XXXX XXXX as seen below : XXXX XXXX XXXX  I also refuse to have them keep my credit card on file. So there is no way to make a payment to these people and have any paper trail of the payments being made. They also lack a technical support dept. to try and find out why payments can not be made online as I was able to do this through XXXX.
I sent a query to XXXX XXXX, an online auto loan company. A company, Fleet Financial, responded and I asked for a quote. I subsequently decided to go with another lender. However, Fleet Financial sent me a notice afterwards that they rejected my loan and sent a notice to the XXXX credit-reporting agency. My credit is not bad, in fact is in the top XXXX %, and I have no delinquencies etc. as Fleet Financial claims. I secured a loan without problem from a credit union. I believe Fleet Financial 's action is an act of retribution to offset my rejection of their loan. I will communicate with the credit union, but I think this kind of activity is at the least unprofessional and at the worst harmful and damaging of character and reputation.
I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from Transunion,  XXXX  and  XXXX  to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  & XX/XX/XXXX  with  XXXX ,  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with Transunion. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.
I agreed to have my checking acct debited for {$50.00} which included a processing fee on XX/XX/2015.The representative told me to make that agreement so i can take advantage of a settlement offer of {$290.00} instead of the actual total of $ XXXX.i told the representative that i was on XXXX and did n't receive any income as of yet.The representative urged me to setup the agreement and that she will call me back by XXXX/XXXX/15 in order to make sure that i would still be able to agree to the arrangement and to payoff the balance.I never received a call so i called XXXX on XXXX/XXXX/15 to check the status. A different representative took my call and was n't very helpful, i was put on hold several times.i was calling to check the status and inquire about the missing phone call.i was told that the representative who assisted me XX/XX/XXXX was n't available. i felt that this representative did n't know what she was doing and i told her i needed to give them a call back because my phone is now dying due to being on hold by her.It is XXXX/XXXX/15 i just called XXXX in order to talk to the representative that i set up the agreement with and was told that she is no longer on my file and that she ca n't offer me the same agreement because i did n't call in, and that the {$50.00} i let them debit from my account will go towards the full total of $ XXXX.I told this rep that i was waiting for a call from XXXX and that i would not have made an agreement on {$490.00}. i asked her if she can make an agreement on the original {$290.00} minus {$50.00} that i already payed. she told me she could n't do that. i felt that was unfair and deceptive and i told her that i was n't going to make and agreement on a higher amount. i hung up with her.
On our XX/XX/XXXX statement from Chase credit card there was a charge from XXXX XXXX for {$44.00}. I immediately reported this to Chase as a fraudulent charge. Since this was the third time we had a similar experience with Chase we decided to cancel our credit card on XX/XX/XXXX. Chase sent us a letter on XX/XX/XXXX requesting support for our dispute. I sent them, in writing and by fax, an email from XXXX XXXX that they agreed to reverse the charge on XXXX/XXXX/XXXX. I included this email in my communication with Chase. On XXXX/XXXX/XXXX, I received another letter from Chase requesting evidence to support the reversal of the charge from XXXX Watchers. Again I sent them the email from XXXX Watchers stating they had reversed the charge on XXXX/XXXX/XXXX. On XX/XX/XXXX I received a letter from Chase, dated XX/XX/XXXX,  that they had investigated the charge, called XXXX XXXX, and that they were not going to support our dispute and would put the charge on our next billing statement. THIS WAS AFTER WE HAD SENT THEM THE EMAIL FROM XXXX XXXX ON THREE DIFFERENT OCCASIONS THAT THE CHARGE WAS REVERSED ON XX/XX/XXXX.
All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably XXXX XXXX XXXX in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY
Great Lakes was the company that purchased my loans from XXXX XXXX. The first thing that they did was to increase my interest rate. I questioned this and was told that they could increase it to whatever they wished. 
I began attending at XXXX XXXX University after obtaining my XXXX from XXXX University. I only took one class however when the 6 month grace period ended and it was time to begin repayment, Great Lakes reported that I owed {$130000.00}. This is wildly inaccurate. My wife and I have consolidated loans through XXXX XXXX XXXX in the amount of {$64000.00}. We pay on time and have never missed. A portion of my Masters through XXXX University and the one class from XXXX XXXX University were what Great Lakes purchased. 
When I received an outrageous invoice in XXXX of XXXX, I called Great Lakes and questioned. This is when I was transfered from attendant to attendant and eventually told that I could consolidate {$130000.00} into one monthly payment of {$1200.00} or so. First I needed to give them my credit card number to pay a one time servicing fee of {$490.00}. I tried to correct them in that I did not owe {$130000.00} but they would not listen. I have tried to get my records from XXXX with all of the financial information, but they will not provide them to me. I have tried to register on the FAFSA sight since they changed it, but it requires my XXXX email address that is no longer active. I have also contacted XXXX XXXX to obtain the records of the class that I took along with the financial info, but I can not get anyone to return my calls. I received a letter last month that said that my student loans are in default and now belong to the government. I am literally at my wits end on what to do or how to proceed. Please help.
I filed a dispute with Experian as they have greatly reduced my credit score due to a voluntary surrender on a mortgage loan that was awarded to my ex husband in our divorce in 2009. I NEVER signed anything voluntarily surrendering the home back to XXXX and in fact tried my best to stop that process and without my signature and proper notification they repossessed and sold the home against my will. I do not feel it is proper for them to report on MY credit report that I voluntarily surrendered the home.
I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Equifax : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me
I opened a account with Wells Fargo Bank on XX/XX/2016. I told them that I did NOT want my Social Security check transferred until I get all my automatic withdraws taken care of and then close my old account. They told me no problem and to come in when I was ready to do this. They transferred my Social Security check to my new account on XX/XX/2016 without my permission. On XX/XX/XXXX, the date my direct deposit goes through, I was negative in my old account due to Wells Fargo switching my Social Security check direct deposit. I went into the bank and talked to the representative and the branch manager they told me that they never sent anything in and no paperwork was sent in. I told Wells Fargo that they did because I talked to Social Security office that day and they told me that it was deposited in the Wells Fargo account. I 'm now getting charged every day over draft fees. I went back to Wells Fargo to explain that I shouldnt be responsible for these charges because it was their fault. The branch manager told me that they are not responsible and can not do anything about the overdraft charges. I have contacted Corporate and the regional manager and having no luck to resolve this issue.
On XXXX XXXX, 2015 we reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, NE XXXX, XXXX. We were in the process of selling the property but Bank of the West would not work with us. On XXXX XXXX, 2015 we closed the sale and paid off Bank of the West. The payments totalled {$150000.00} ; however, we owed {$140000.00}, or a difference of {$15000.00}. Additionally, we were charged twice for an escrow shortage of {$2500.00} and attorneys fees and inspections of XXXX. The attorney fee and inspection were incurred before Bank of the West had accepted the XXXX, 2015 which stopped out the judicial procedure.
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with zero reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks XXXX or XXXX questions. That is XXXX or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If thousands of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.
I have recently been declined for a loan due to Caliber Home Loans reported their account with my name being delinquent in access of 90 days or more. I 'm filing this complaint on this creditor for the last 5 months I have been disputing this creditor for malpractice in that this company persistently is deceiving the credit reporting agencies and the investigations conducted are not in depth to look in the history of this companies reporting. I have a credit report dated XXXX/XXXX/15 which has Caliber home loans last reporting XX/XX/XXXX in excess of 90 days. I have not received any correspondence from this company or it 's affiliates. This loan has apparently been transferred from another mortgage company XXXX which I have not been officially notified nor have I been notified from the current account holder. My last complaint to you Report number XXXX, XXXX, XXXX these are all saying that Caliber home loans are reporting to XXXX, XXXX and XXXX are reporting up to date as of XXXX 2015. How can a company last report XX/XX/XXXX and then after my information is updated can be current XX/XX/XXXX? That 's a total of 9 months lapsed!!!! How are the credit reporting agencies saying this is acceptable and in accordance with Fair Credit Reporting Act605-15 U.S.C. 1681c.
I recently disputed outdated credit profile items with Experian through CFPB and some items were not removed. According to the credit bureau procedures if a delinquent debt is over 7 years old with no payment then it show be removed from the credit profile. 

Its seems as if Experian chose to validate that the debt was indeed due opposed to removing it from credit profile due to the length of time its has been delinquent on my credit profile. Therefore, I am requesting again to have these items removed from my profile. If Experian believes that these items don't qualify to be removed, then I request to have proof of payment, including but not limited to bank account and routing number of transaction, date of transaction, amount of transaction, ach authorization code of transaction and/or copy of personal check submitted for payment submitted to my attention. 

If this information can not be provided, then I wish to have this information removed immediately.