WillisBack/dataset-financial-user-claim huggingface dataset:
I discovered on my credit reports a collection from Credit Protection Associates. I had never heard of these people and have no idea what this debt is. I read The Fair Credit Reporting Act and The Fair Debt Collection Practices Act to find out what my rights are. The debt collector is required to provide accurate, verifiable and timely information to the credit bureaus. The credit bureaus, on my request, initiated an investigation into this matter as per FCRA. I received a letter from Credit Protection Associates ( attached ) that they can not verify the account as " true or false '' so they are placing " on hold ''. This is not an option. They either validate this on demand or they MUST delete it as it is not accurate, not verifiable. THEY ADMIT THEY CAN NOT VERIFY THIS. They are in CLEAR violation of Federal law! This must be deleted from all credit bureaus and attempts to collect must cease and desist. Also note on their letter no where does it mention " this is an attempt to collect a debt '' nor spell out my rights to dispute. ADDITIONAL VIOLATIONS OF FEDERAL LAW!
I received a letter indicating that my adjustable rate mortgage will be going up. This is appropriate. However I did a little research and found that they calculated the new loan rate incorrectly. The rate should be based on 1 yea r   XXXX   XXXX   of fered rate plus a margin of 2.25 % . ( Rounding up to the next 1/8 % ).  The 1 year   XXXX   XXXX    offered rate on the date of the letter was  XXXX  plus 2.25 % would bring the rate to 4.0 % after rounding it up. The letter indicated that the new rate is 4.125 %.      Ditech used  the incorrect rate on the calculation and I suspect that since they have purchased this loan that it is standard for them to edge the rates up on all of it 's customers.
I had an old retail acct with XXXX XXXX that was opened XX/XX/XXXX. After I lost my job the account did become behind. The debt was never paid in XX/XX/XXXX my new wife became upset when she received a call ( XX/XX/XXXX ) saying I was being sued and having criminal charges against me. She was not aware of the debt since it occurred during my first marriage. The company also called my mother multiple times, also telling her that I was going to jail. My wife then began the proper actions to correct one of my lives mistakes. She spent several hours on the phone with XXXX XXXX XXXX and XXXX XXXX XXXX. After many failed attempts she began to write letters to both companies ( sent via certified ). ( XX/XX/XXXX ). On XX/XX/XXXX the calls began again. A female by the name of XXXX called stating she was from county clerks office and they are trying to serve me ( XXXX XXXX ) with court summons and failure to comply could lead to criminal actions. In a panic my wife returns the call speaking with a XXXX XXXX. This rep was rude cussing my wife and telling her that I was going back to jail for 8 months for having stolen property which could be longer since I just got out of jail. Someone has been misinformed because I work in XXXX XXXX and I XXXX XXXX XXXX not break it. I have recorded conversations with this so called collections company.
I am making a complaint against Wells Fargo Dealership services they repossessed my XXXX HYUNDA SONATA. I was paying the notes on the car the last payment that I made was XX/XX/2016 and it was taken XX/XX/2016.This situation put me in a very terrible situation.I was not able to get to work because of the repossession. They sold my car and they now want me to pay the balance of the loan.,
Equifax is reporting an collection with a company called XXXX XXXX   account # XXXX  This isn't my account, shortly after Equifax had a data breach, this collection popped up on my credit report from out of thin air.

I disputed this account & requested them to produce a signed contract with my name on it, instead they sent me a credit report stating that the account was verified which is impossible, if they would have really investigated this account rather that using their XXXX  system, they would've know that this account isn't mine.

Is XXXX XXXX even licensed to collect debt in North Carolina?
I disputed an account XXXX XXXX ) with Transunion and asked them to delete the account due to improper reporting. I also requested documentation showing details about the XXXX account. Transunion simply responded stating that the debt was valid and never send me any of the documentation I requested. I believe I received an auto-generated response, and no one actually reviewed the explicit instructions I gave in my dispute. 

I would like Transunion to delete the XXXX tradeline from my credit report for their failure to perform a full investigation, followed up with documentation, as per my request. Thank you for your time in investigating this matter.
The agency creditors specialty service repeatedly sends letters to my address for a former tenant despite my informing them that the individual does not live here and has not lived here for greater than four years. They had stopped for a while but now they have resumed despite my returning their mail and sending letters.
I was very sick in XX/XX/2017 from XXXX treatment. I called the VA they told me to go to the nearest hospital. I could n't drive so i called an ambulance. They picked me up at my home held me as i walked down my stairs. I was XXXX and XXXX from the treatment and the lack of being able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Again the Veterans Administration Hospital XXXX in XXXX Maine ( actually XXXX  Maine ) Was responsible for the transport to the hospital by the Ambulance Company. And they were told 2 times that they were to bill the VA Hospital at XXXX Maine. 
Then when they sent the bill i told them again that they were to charge the VA hospital. 
I only received that one bill from the City of XXXX Maine. 
No other bills were sent. I had sold my home by that time and was moving to Florida and I did put in a forwarding address at the POST OFFICE. But I still never received a second billing so I assumed that the matter was settled and the VA paid the bill. 
Any way I started getting harassing phone calls from a Thomas Agency.  They kept harassing me over and over and over again. I blocked all their numbers and stopped them from calling harassing me. 
I had explained to the City of XXXX that they needed to bill the VA Over and over but they did not follow my instructions so what can i do about that? If they had submitted a bill to the VA then they would have been paid. But they did not. So I can not help that. So they were upset because they didnt follow the instructions and sold the debt to a company that harassed me over and over and over again for their mistake.
I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.
I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. Experian said they are investigating the other XXXX would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially two bankruptcies that I never finished going through the court system for. I provided paperwork to XXXX showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an Experian Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.
My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from Experian. The report shows multiple addresses ( XXXX ) XXXX XXXX XXXX B, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX AK XXXX. 
XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened XXXX XXXX XXXX account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with XXXX XXXX XXXX.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and XXXX XXXX XXXXXXXX with ref # XXXX. I contacted Experian and XXXX XXXX XXXX disputing their report which is hurting me seriously, also filed a police report with case # XXXX.
I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a corporation # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.
I 'm getting emails from my bank informing me of insufficient funds in an account I did not open and that is not listed on my account list on the bank 's website.
I have filed two disputes to update the following information one on XX/XX/XXXX and one on XX/XX/XXXX - nothing has been done. Please see below as this is the information that was sent to the bureaus. <P/>The following account needs to be UPDATED AND CORRECTED : Creditor Name : ARVCNTRLMTG Account Number : XXXX The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected. Two bureaus are reporting an Open status, while while the other is reporting as derogatory, this is inaccurate this mortgage is OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all three reports and should reflect a monthly payment amount of {$1900.00}. One bureau is reporting no term which should reflect 360 months. The payment status is incorrect on XXXX and should show a payment status of current. The dates being reported as last active are all inconsistent.
This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.
Amsher the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
i am writing in regards to western union and they're money transferring services. I've been using they're services for many years usually i don't have a problem, but recently they've been treating me wrongfully by accusing me of doing illegal money transfers. Not only am i locked out from using they're services but they've ruined my friendship/relationship with a girl ive loved for many years by thinking that the money i sent her was fraud which wasn't the case.I demand that they reach out to her and apologize to her, but as to me.i demand that they reinstate my account with them and reinstate my ability to use there services and ability to send money online using my debit card. i will also complain about western union to my attorney general for wrongfully judging my money transfers as fraud.
Bank of America contacted me in early XXXX, 2017 and told me that there was fraudulent activity and someone had cashed 3rd party checks in my name against my account. These checks were written on XXXX XXXX ( a company the XXXX XXXX I work for has done business with in the past ) payroll checks. The checks were made out to me ( XXXX XXXX ) with my address and a signature on the back that looks very much like my own. Once XXXX XXXX learned of the fraudulent checks, they stopped payment which caused Bank of America to withdraw the money from my personal account to cover the checks ( approximately 2,000 - I am a single mom and that is quite a lot of money to me! ). I filed a police report and the XXXX County ( Georgia ) detective told me that he sent a subpoena to Bank of America requesting the video footage and other transaction information - he says that Bank of America replied that they can not 'locate any transaction information '. The detective told me there is nothing he can do if Bank of America is not willing to send him what he has requested. Meanwhile, the Bank of America Fraud Department has denied my claim stating that I authorized the third party to cash the checks. They have not proof of this. There is someone walking around with my money, my bank account information, my name and address and Bank of America is unwilling to help me. I don't know what else to do.
I am writing of complaint about Equifax Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Equifax has also failed to substantiate that the account is mine. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Equifax also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. I am requesting that Equifax delete this unverifiable account immediately from my credit report.
on XXXX/XXXX/2015 I paid Transfinancial {$990.00} on behalf of XXXX XXXX in negotiation for {$1400.00} bills for {$980.00} {$320.00} {$100.00}
Hello, i have a verified Paypal account. Once the account reached XXXX paypal froze the account under false pretenses, saying there was suspicious activity. There was no suspicious activity. The account is frozen with them demanding information yet not responding to what was sent. I sent a bank statement showing my address. I want them to close my account and send the money to the address on file. I've experienced this extortion before. Paypal knows I use the account to receive XXXX  payments and to shop so they freeze the account once it reaches a certain level. Paypal will not respond to my submissions. 


Nationwide Signing Paypal email XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX
Creditors Name : XXXX XXXX XXXX XXXX Account # XXXX Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Past Due Amount {$1300.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
We get many calls from debt collectors looking for XXXX XXXX at our home phone number XXXX XXXX XXXX XXXX. We have had this number for over 10 years. The latest calls come from XXXX XXXX Mi and say to call them back at XXXX
I have called and have done online dispute over 5 times with Equifax and each time they are not reviewing the information correctly. They are reporting false info on my credit reports. The account number does not match my account number. It is my only collection and is not mine. I have gotten a debt validation from the collection company and i have proved it does not match the account number i have. Equifax has not looked closely at this info and seems to be looked over by a computer. Account numbers do not match on debt of validation from XXXX. it is ruining my credit. i have also made a police report. This needs to come off of my report. Equifax takes a long time to review and when they do report, it is still false information. 
-XXXX XXXX has done their 60 day investigation and at least they see its false. 

Also, while i asked for debt of validation, Equifax let XXXX XXXX XXXX report again on my report as " open '' and " late '' and not as " being disputed ''. This is against the rules as well. 

This is against the Fair Credit Reporting Act ( FDRA ). i will submit to XXXX and contact my state 's attorney general if this does not get resolved. 

-Equifax reporting false info -Equifax not looking over account numbers -I have disputed 5 times and they are not looking at the info and it remains -i have attached my debt of validation from ONLINE COLLECTION SERVICES ( look at account number ) - i have attached my bill with account number from progress energy when i cut off my last bill ( look at account number ) -i have attached XXXX XXXX actually looking and correcting this issue like a credit reporting agency should. 


I expect this to be resolved very fast and not take weeks like when i dispute through Equifax dispute website. I have my information attached if you need to contact me.
XXXX   XXXX   XXXX   XXXX   pulled my cred it three  times in  XXXX  of  2016 .     I did apply to refinance my truck loan in  XXXX     2016  but, I do not understand why my credit was pulled  three ti mes? For the same loan. I have disputed these with all  XXXX  credit agencies and wi thin 24  hours I am being told these are factual.     I have been told by the credit agencies that if the inquiries are all within 14 days, it will not adversely affect my   XXXX   score. The irony here is that  XXXX   XXXX  declined me for a credit line increase on my credit card because I had too many inquiries.       Transunion :  XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX  /2016      XXXX   XXXX    XXXX / XXXX /   2016,   XXXX / XXXX /   2016,   XXXX / XXXX /   2016    XXXX   XXXX     XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16
I recently refinanced my XXXX Wells Fargo loan with another company, XXXX. As ofXX/XX/XXXX, the XXXX balance of my loan was transferred from my Wells Fargo student loan account to my new XXXX account. The remaining balance on my Wells Fargo student loan account was approximately {$150.00}. Upon checking my Wells Fargo accounts on XX/XX/XXXX, my student loan account shows a balance of XXXX, plus a late fee dated XX/XX/XXXX. The loan statements show no record of the loan transfer.
I have a fraudulent hospital bill for XXXX $ on my credit report. XXXX immediately corrected it. I've submitted several disputes to Equifax and when they email me a link to login and review the result, I'm required to fill out a questionnaire about my credit report to verify my identity. Not even 1 of the 4 questions have any accurate information regarding my true credit report. I've attempted this 10 times already. The collection company is XXXX XXXX XXXX XXXX. I asked them to send me a copy of the bill. The bill doesn't show any services received or reason for the charge. I did attempt to go to the hospital on the date of the bill. But I only went as far to sign in. Once I learned It would be more than an 8 hour wait, I immediately left.
calls from them several times a day, everyday. i told them that i was in financial trouble and to stop the call and messages, that i would let them know if things changes.dates are from XX/XX/XXXX thru XX/XX/XXXX. one main financial at XXXX
This consumer complaint is filed because there is a negative credit item that was charge-off, but remains on my credit report beyond 7 years from the date of first delinquency. Any collection agency that may end up with the charged-off account must comply with that same Date Of First Delinquency. 

Be advised that a dispute was filed with XXXX, Transunion, and XXXX credit reporting agencies alleging that XXXX XXXX XXXX 's tradeline is being reported by XXXX XXXX beyond 7.5 years. See EXHIBIT-1 and 2. 

1. Between XXXX and XXXX XXXX XXXX XXXXXXXX reported to XXXX that the Date Of First Delinquency is XXXX XXXX. Accordingly, XXXX in response to my notice of dispute has removed all references to XXXX XXXX XXXX XXXX account number XXXX, in compliance with FCRA. 
2. However, TransUnion and XXXX declined to remove the negative account as required by the FCRA 7.5 year requirement. Therefore, we ask the CFPB Tribunal to compel Transunion, and XXXX to reconcile my credit file as to account number XXXX to be consistent with that of XXXX. 
3. XXXX XXXX XXXXXXXX sold account number XXXX to XXXX XXXX as of XXXX/XXXX/XXXX which clearly state the intent of XXXX XXXX XXXXXXXX and its expressed date of first delinquency as " XXXX XXXX '' which also applies to XXXX XXXX account number XXXX as well. 

4. XXXX XXXX has changed the Date Of First Delinquency by erroneously suggesting and reporting to the CRA 's that a loan modification has taken place between XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. No such modification occurred as XXXX has correctly reported, the XXXX is ( XXXX XXXX ). 

5. Be advised that the original creditor, XXXX XXXX XXXXXXXX 's tradeline no longer appears on the same credit report that the collection agency, XXXX XXXX 's tradeline appears on. 

6. The account has been illegally re-aged. Under no circumstances should a collection account for a debt remain on a credit report after the original creditor 's tradeline has aged off the report. The reporting period applies to both the original creditor and its collectors simultaneously. If no original creditor on any of your credit reports matches the collection account, the debt has been re-aged.
My mortgage was sold to Rushmore Loan Management Services, in early 2018. Since then Rushmore has not paid any insurance which they hold escrow for. In XXXX my homeowner insurance was cancelled until threats were made that if not paid further action would include legal action for non renewal increase of over {$2000.00}. Now as of XX/XX/2018 my Federal Flood insurance has expired due to non payment, this too is escrowed by Rushmore, and Flood Insurance is required by FHA. Rushmore has been sent via FAX and USPS notices dated XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 and XX/XX/2018. These notices were sent by my agent and carrier Assurant ( XXXX XXXX ) for XXXX. In addition my agent called Rushmore three times to try to expedite. 

Rushmore loan number XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Fax XXXX Help please. 
XXXX Property is located in XXXX VA