WillisBack/dataset-financial-user-claim huggingface dataset:
An account with JCPennys was opened in my name in XXXX. The last negative activity was XXXX. I did not open this account. I have spoken with they fraud department numerous times and they have told me I can " dispute the account '' with no resolution each time. They sent me paperwork in XXXX which I filled out and sent back. I thought it had been removed. They now tell me they have no way to see if they ever received that paperwork. I am now purchasing a home and had about to lose my home as this account is reporting XXXX times on my report and affecting my credit score by XXXX points! The original account had XXXX names on it. Mine and someone else. The XXXX collection on my credit report is with both names. The XXXX collection on my account is in my name only. They have told me they would not provide me with any documentation. They told me the only thing they would do is request documentation and they may get something, they may not within 90 days at the earliest. They will not give me the names or even the account number or anything. I have requested verification over XXXX times over the past 7 years and they refuse to give me any information. I have also disputed this account on numerous times over the past 6 years. They are reporting on each of my credit bureaus XXXX times, once as JCPennys, once as their in-house collection division called XXXX XXXX. They are reporting as a paid charge off, paid collection, charge off and collection.They are very rude every time I speak with them and keep sending me bills for the account and calling repetitively about the amount due yet will not help in verifying the account, sending me any documentation, or anything. I am in escrow in a home now and am about to lose my home as I had no idea this fraudulent account is still reporting numerous times on my credit report. I have attached the documentation showing all the different ways it is reporting on my report as well as the documentation from the credit bureaus showing how much it is affecting my score.
I can no longer get access to my credit report  ( s )  from ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repo rt ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busine ss days. I further DEMAND that all the disputes be FINALLY, corrected and updated.
XXXX XXXX sent me XXXX cancellation of debt notice for a charge off account in 2012. The XXXX forced me to claim this as income on my 2012 taxes which i was penalized for on my tax return for that year. Now on my credit report XXXX XXXX has continued to report a balance, past due balance and a status of this account as an open charged - off. This seems to me that XXXX is trying to collect on an account that has already been resolved. This account is about to be removed from my credit report in XX/XX/XXXX/ XX/XX/XXXX but I still feel the need to file a complaint because they have never responded to any of my disputes. The credit reporting agencies have allowed XXXX to keep my account in disputes past the 45 days that a required response is needed. Further more XXXX flex has continued to increase the balance on my account even though the account is a year past the collectable statue of limitations. The only response i have ever had from XXXX flex was a letter telling me to call their call center in XXXX and when i did the call center was unable to locate my file in their system to give me an answer to status of my account.
XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.
I sent   XXXX   XXXX   a Debt Validation letter which stated that and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. I also asked for them to pro vide me a 1. breakdown of fees including any collection costs and medical charges. 2. Provide me a copy of my signature with the provider of service to release my medical information to you. 3. C ease any credit bureau reporting until the debt has been validated by me.   I am allowed to request this under the FDCPA.     In return i received a generic statement saying that the debt is mine .    XXXX   XXXX   did not provide any of what I was requesting to validate the debt.
XXXX has been non-compliant with removing the unverified account NCB MANAGEMENT SERVICES, INC.  Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that NCB MANAGEMENT SERVICES , INC. was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
In XXXX we had to refinance our home mortgage due to lose of employment. We went with a mortgage company called XXXX. We were told this was a 30 year mortgage. After a while we kept being sold with my mortgage company always changing. In XXXX my husband pay had decreased. I had to close my business and we fell behind I tried to refinance at that time our bank was XXXX XXXX XXXX they would not refinance and stopped accepting our payments we could afford. My husband became very ill in XXXX of XXXX. We had XXXX childreen move back home and grandchildren. We had to meet a man in XXXX from XXXX XXXX XXXX who had told us to stop paying our payments and then i would qualified for the relief program. After a few months I got a foreclosure notice. I tried to find help and ended up being a victim of a scram. Now I we are working with Nationstar martgage where again I thought we were on a 30 year fixed mortgage that is what they lead us to believe. I was making payments of XXXX every month then in XXXX our loan went up XXXX I did not know this until XXXX when I called the bank to find out how i could be behind. At this time our wages our being garnished for medical bills which is more than our mortgage payment. I tried to explain we could not afford that they said it was due to my escrow. I kept making my payment of XXXX a month which they held and did not put towards loan until they had enough to make the payment so then it looked like I was behind then then two months ago they stopped accepting payment. I have lived in my house for 27 years and always made a house payment except for the aboved mentions. I bought my house in XXXX for XXXX which was paid off in fall of XXXX thats when we went with the XXXX Mortgage company I believe the amount we were financed for was around XXXX. I just dont understand how after paying all these years I now owe XXXX. I have been deciding to give my house back to the bank I found out after checking different options I am not on a fixed mortgage and my current loan is for 45 years. My husband had brought home an article from work thats how I found you. I hope you can help Thank you XXXX XXXX
XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four XXXX XXXX XXXX accounts that are reporting incorrectly.
My student loans are with Nelnet. They are in in forbearance. Yet my credit reports show numerous late pays. I am positive that this should not have been reported. I always made sure to do my forbearances in a timely fashion AND would check to make sure that nothing would be reported.
I had 1 late payment in XXXX of XXXX. The account is closed and paid in full as of XXXX XXXX. I have asked XXXX XXXX to remove from credit report and account was removed from XXXX and XXXX  ; however Experian will not remove this account.
I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1 )     XXXX   XXXX -17  XXXX  17   XXXX   XXXX -17  XXXX   XXXX -17  XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX -17  XXXX   XXXX -17  XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX   XXXX   17   PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
I requested a copy of my credit report and found a court judgement from SLM Private Credit. I do n't know what this debt is for, and the judgement was placed in XXXX Court in XXXX which does n't make sense since I have lived in XXXX for the last XXXX years. I sent several debt validation letters to both Sallie Mae and XXXX to try to figure out what this is and if it was one of my school loans being serviced by both companies and I have yet to receive a response. I 've tried to obtain these records for about four months now and I need help because it is effecting my ability to get a job.
Ally Financial bank has been calling me regarding my auto loan, they have been charging me many many fees, late fees, late charges, etc on my car loan. I have asked to have all loan fees in writing to me on several different occasions, XXXX, 2016, XXXX 2016, and XXXX 2016. They have not done so. They say they will, but they have never sent out anything in writing to me so I can review all the over charges I am accruing. They say it is on my statement which is not true. My statement only shows me the latest over fee, nothing more. I am tired of the rude and mean behavior on the phone, they have put my car in collections, refused to work with me on keeping my car and threatened me that " someone '' will come get my car from me. If they can not show an accounting of all the fees I have been charged, then I should not have to pay them, but they argue and are aggressive on the phone not allowing me to speak at all, and lying to me about how they will send all the overcharges out to me, but never do. I have paid off the car loan, I had to pay all of the fees to obtain my car because they refused to take any of them off at all. They would not even consider it, they treated me like I was a criminal, an ingrate, and were very rude and unfriendly. They have made thousands of dollars from this loan, but I am the one who has paid all the fees with no accounting from them. I want to know what I paid and if these fees were reasonable. They already charge a high rate of interest for the loan, it is unconscionable that I or anyone should have to succumb to their demeaning behaviors and horrible costumer service. They were not helpful nor did they want to be. All they want is for the consumer to pay without regard for any accounting of what we are paying, and treating us without regard to our rights as consumers. I will never bank with this bank ever again, and I think they need to be investigated for their fraudulent banking activities and aggressive and rude tactics.
Over the past Two years, I have sent approximately ( 5 ) certified letters to Experian in regards to Two unverified derogatory accounts listed on my Credit Report ( XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX ... ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Experian has responded to my request by saying that these accounts have been verified. Experian has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness .... I also sent certified Debt verification letters to both XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX however I never received a reply back. Experian have ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Experian reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.
I had an agency look over my credit to help restore it. They informed me that the collecting agency, XXXX XXXX, had placed me in collections which caused a hard inquiry on my credit history. The date I placed on it reports for XX/XX/2017. I was never notified about this debt or an attempt to collect. The amount to collect is {$24.00}. I called to speak to a manager to pay off the debt and have it removed from my credit history and they always prompted me to an automated voice system. A few other attempts resulted in them hanging up on me.
I 've repeatedly told XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX Notary here in XXXX county. Someone created this loan in my name and NYHESC will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney of Law Bar number XXXX. Feel free to contact me at XXXX
I had fallen behind on my loan and reached an agreement where I would pay them $ XXXX month for XXXX months and the payment would be directly withdrawn from my account each month. I checked out my credit report and I noticed that the payment deductions had stopped. When I contacted them they stated that I had no agreement with them and now my account is back in collection and messing up me getting employment
This complaint is for the Citi Costco Anywhere Visa card which posted a false advising that it is accepted everywhere else Visa is accepted. 

The following is disclaimer from the Citi Anywhere Visa card web site : " The NEW Costco Anywhere Visa Card by Citi is the Costco credit card that rewards your purchases at Costco and everywhere else Visa is accepted. " Actually I was rejected by the XXXX restaurant few days ago when I tried to use the Citi Costco Anywhere Visa card to charge the fried chicken meal. They told me that they accept Visa card but just not Visa card issued by CITI.
EXPERIAN HAS NOT PROPERLY REQUESTED PROPER DOCUMENTATION WHICH PROVES XXXX IS RE-AGING XXXX DEBT/CREDIT TRADE LINES IN VIOLATION OF FCRA GUIDELINES AND FTC MANDATES : PLEASE READ MY COMPLAINT AS FOLLOWS : I XXXX XXXX am filing a complaint against my former mortgage servicer. The original servicer has long been eliminated from my credit report, simply because my first late payments were registered in fiscal year XXXX. XXXX XXXX took over servicing in XXXX, and they have cut off over five ( 5 ) years of my payment history simply to re-age the debts, and these debts have been satisfied in full. The seven year applies as mandated by federal guidelines, both under Federal Trade Commission federal lawsuit decisions and by the Fair Credit Reporting Act. The original servicer was XXXX XXXX XXXX, long out of business. XXXX is simply re-aging a debt ( s ) trade lines they have no legal right to. In general, XXXX of these accounts need to be deleted permanently and that my file information be purged with prejudice.
My business executed 2 new vehicle loans with XXXX XXXX XXXX XXXX XXXX. Our loan officer told us that a prepayment penalty would apply if and only if we refinanced the loan. Weve since reached out for payoff amounts due to sale of the two vehicles and theyve assessed {$33000.00} in prepayment premium.
I have  disputed Santander wi th  XXXX  several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect.  XXXX  has already deleted the WRONG information from that bureau but   XXXX    continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I b elieve Santander  is trying to re age the debt.
On XX/XX/2015 my Stepmother received a phone call on her cell phone from XXXX Byrider asking if I was going to come in and make my payment. I was not past due my payment was due that day. You can see from my payment history. My personal and loan information was disclosed they discussed that I was due for my payment. Under the terms of my loan agreement listed under Remedies A : you are considered to be in default at 30 days. They also violated the consent to monitor and record phones calls. My Step Mothers phone number is not publicly listed and she did not give her consent. I want to be released from the loan and have the title to the jeep.
I have called XXXX 14 times since XXXX XXXX. On XXXX XXXX I received an inquiry on my credit report from XXXX. It was not anything from me, nor have I ever heard of this bank, so I called them and asked them why they ran my credit. They are unable to answer me. They say they do n't see where I, or anyone else applied for an account, credit card, loan or anything else in my name or with my social security number. They have no clue why they ran my credit. I have asked them to remove the inquiry and they said they would because they do n't know why my credit was even ran. Here it is, a month and a half later, and 14 phone calls later and they still do n't have an answer for me. Just a bunch of customer service representives keep telling me the fraud dept is going to call me back. Of course no one ever calls me back. I 'm tired of having to continually explain my problems, due to your mistake. A mistake that you are failing to fix.
I have a loan with XXXX XXXX XXXX XXXX and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with Equifax and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. XXXX ID THEFT REPORT # XXXX
On XX/XX/2018 I sent out a certified letter with proof of identification to EQUIFAX in regards to removing the unverified accounts XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Equifax 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.
On XXXX/XXXX/XXXX, I terminated the lease on my XXXX XXXX XXXX, and returned the car to the dealer. I was informed that I was still responsible for 2 months lease payments totaling {$810.00}. I agreed to pay that amount to XXXX XXXX XXXX XXXX. 

Before I turned the car in to the dealer, XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX, Fl., I had it detailed. I made sure that there was not 1 scratch, mar, ding, dent or stain on the car. The car had XXXX miles on it, and the lease was for 30,000 miles. The tires had enough tread on them for an additional 25,000 miles. Two of the tires had actually been replace with new tires. Since I have seen the scam of " excessive wear fees '' before, I took over 30 pictures to be able to prove that this car, when returned to the dealer was in absolutely pristine condition and had no excess wear. 
The salesman that I bought the car and the dealers Lease Return Officer both inspected the car, and told me and my wife, that this car " looks like it just came out of our showroom, it is that good. ".
When I receive the bill for the 2 payments I owe, they also hit me for an additional {$1000.00} for " Excessive wear and tax ''.
XX/XX/2018 XXXX : I owe no monies to XXXX City of XXXX or your collection agency and I have no intention of paying {$1.00}. In fact, the hospital owes me {$300.00}. 
I am XXXX I am Medicare I live in XXXX XXXX Housing I am certified XXXX by the State of Texas I live on Social Security Income. 
I have no assets I own XXXX, XXXX in Credit Card Debt. 

The amount in question of {$520.00} is a Medicare Bad Debt reimbursable to the Hospital as a claim to the Federal Government on their annual Medicare Cost Report that they file with the Medicare program. The hospital has an XXXX policy and is only required to make reasonable collection efforts per Medicare Law as explained in the Federal Regulations as explained in the Medicare Reimbursement Manual which I have attached. The Hospital and your firm are forbidden by Law to harm a Medicare recipient by turning an unpaid account over to a Collection Agency who in turns reports the amount to Credit Bureau which hinders a Medicare recipient from obtaining housing due to a delinquency on his credit report. I can not be harmed financially when I am unable to pay. 
Since I am unable to pay, you are required by Federal Law to  return the account back to the hospital. Further collection effort has been exhausted by law and you and the hospital are breaking Federal Law by damaging me in any way from obtaining housing by reporting the amount to any Credit Bureau. 

I have attached the appropriate section of the Provider Reimbursement Manual governing the reimbursement of Medicare Bad Debts by the Hospital. And because your company and the hospital are fully knowledgeable and aware of this Federal Policy about the Federal Law regarding a Hospital claim for Federal Reimbursement for a Bad Debt related to a Medicare recipients Deductible and Coinsurance, you and the hospital are in violation of Federal Law and are now being reported to the Consumer Finance Protection Bureau. 

Furthermore, the hospital extorted {$300.00} from me before my operation when they knew I was XXXX. Therefore, the Hospital can now be sued in Small Claims Court in XXXX County, Texas which I intend to do along with a claim for XXXX my XXXX XXXX XXXX in an operation at their facility.
SPS sold our property at auction on XXXX/XXXX/2016 despite sending us a letter which arrived XXXX/XXXX/2016 requesting " additional documentation you would like us to consider while evaluating this account for an alternative to foreclosure ''. We believe this is a detrimental reliance.