WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint Details : This complaint is in reference to a debt that is more than 7 years old and was written off in XX/XX/XXXX. I contacted XXXX ( company that handles credit reporting for Orion ) back in XX/XX/XXXX and spoke with XXXX and had an issue with her not being able to advise the history of this debt. How can you collect a debt only using the final bill with no billing history? Since then, I contacted the XXXX and the FTC regarding fair debt collection practices as XXXX could only advise the debt was valid, but could not advise how? In correspondence with the FTC, representation from XXXX advised the debt was charged off in XX/XX/XXXX ; meaning it should only remain on my credit report for ( 7 ) years with no money due. I called XXXX on XX/XX/XXXX and spoke with XXXX and XXXX and it was advised that the debt was written off. I called XXXX and spoke with XXXX, escalated the call to XXXX ( her manager ) and they all kept me on hold for over 45 mins with no resolution and much argument. I called back and spoke with XXXX and was advised of my account number. None of the reps could provide me with the history of the account, but I paid it as I'm in the process of purchasing a home and this has negatively impacted my credit report. This account has not appeared on my credit report since XX/XX/XXXX and only two bureaus are reporting this debt. This is against my rights as a consumer to report a debt that is more than 7 years old and I plan to escalate this as no rep could provide me with the history of the debt and only mailed me a statement of the bill with NO explanation of charges ; see attached. When I last had a home phone, this account had credits applied and there was a ( XXXX ) balance. Shouldn't the purchaser of the debt furnish the history along with the bill as part of the debt collection practice. Although I paid this, I am seeking an explanation of charges and for this to be removed entirely from my credit report effective immediately!!!! How can you ask for money and not know how the balance came to be so??? All I received was a bill from XXXX ( attached ) with NO explanation for account # XXXX. No one could provide me with the accuracy of the amount due and kept making false statement regarding the debt in question.
There has been fraudulant activity on my account. I have made contact with the bank and they are not trying to help me in any way. They told me that I am participating in some sort of scam so there is nothing they can do to help me. This is the second time in the past 30 days that something like this has happened. The first time, they claimed they looked into it and found nothing wrong but did reverse my funds. Now, this has happened again and they are not willing to help me at all. There was over {$4000.00} deposited into my account not by me and I do n't know who by and then it was taken right back out at a local ATM with the funds that I had in there. USAA claims that this was me and that everything I am telling them is a lie. This is absolutely not me and I have no knowledge of who it is and what bank would allow a withdraw for over $ XXXX at an ATM? I need this issue investigated and I want my funds back that someone has taken from my account.
Foreclosure-Illegal Process and Guidelines. 

My home is scheduled for Foreclosure Sale XX/XX/XXXX - TOMORROW. I have been told I am in a Trial Modification without my receiving any documents for me to sign. I only received information in a Monthly statement ( via mail ) that my monthly Trial Modifications were to start XXXX and payment needed to be received ON or Before XX/XX/XXXX. How can I have until XX/XX/XXXX BY LAW to make my monthly payment but have a SALE OF MY PROPERTY XXXX XXXX? This to me is against the LAW! Please assist with correcting this to protect me as a consumer. This does not seem to align with what 's law. NationStar now says I have to have my payment in by XX/XX/XXXX to stop foreclosure proceedings for XX/XX/XXXX. This is not right. They refuse to disclose any terms of a permanent modification ; and their papers say this is Trial Modification Offer not Trial Modification.
I have been communicating with this collection agency about a debt that does not belong to me. After following up with phone calls and letter correspondence, i have yet to receive a reply. I am asking that this dept to be removed from my credit report immediately and for Ability Recovery Services to provide proof that the dept is removed. I am willing and ready to pursue legal action if necessary.
Monday XX/XX/XXXX I received a phone call from a person at Continental Credit Control informing me she was a collection agency attempting to collect a debt on behalf of XXXX XXXX  from XX/XX/XXXX. I informed her we had not ignored any bills and pay everything immediately after we receive them so there can't be a past due bill. I requested she send me an itemized statement so I can see what she's talking about. She claimed notices had gone out to My address with no response. I told her no way, nothing has changed for me, and I have not received anything from them. When I arrived home in the mail was a notice from Continental Collection Agency in the amount of {$160.00}. There was a ten percent interest charge included in the total of {$35.00}. I immediately called my insurance company to see if they paid the claim back in XXXX thinking maybe I misplaced the EOB and never received a bill. My insurance, XXXX has never been billed for the service either. They even checked to see if the claim was sent and rejected it for some reason and they never sent it again. There is no record of this service with my insurance at all. More perplexing is how XXXX XXXX/XXXX came up with a charge for the service since they are an in network provider with XXXX and they would bill me the difference of the contracted price based on my plan after XXXX paid. Even the XXXX claims specialist said it's impossible to speculate exactly what this amount would be without an actual claim. When I called Continental Credit Control to explain they need to bill my insurance and then bill me the difference of the contracted price, I was informed they don't deal with insurance companies. I explained I understand this but clearly XXXX XXXX has made a mistake. I was told to write an appeal and send it to them and they'll consider it. Otherwise it will go on my credit. 

This is wrong. I've spent the entire afternoon on this. 

Thank You
jcXXXX penny XXXX up my acct this pass XXXX, I never chg my address, and lower my cr XXXX to XXXX I was never notify my cr was lower.
In XX/XX/XXXX I received a letter stating that I owed a XXXX bill from my old telephone/tv service account as an early termination fee. I did not terminate service I merely moved across town and kept the service, they would not resolve the debt and it was in the hands of Eastern Account System of Connecticut. At that time, I made a payment of XXXX. The remaining balance I did not pay, it was a complete oversight. I DID NOT receive a reminder call, letter or email. I sold my house and am in a new home, I am a widow and mother of XXXX  seniors going to college, I would have expected a little understanding with my situation. I am financing my new home now and a collection debt for XXXX is on my credit report lowering my rating dramatically. I called up the company, I made another {$25.00} payment and said I would like to settle this account, the balance is XXXX, I told the agent " XXXX XXXX '' XXXX ext. XXXX, I would like to pay it in full, she was rude and said she was not going to remove it from my credit report, I can pay it but her company DOES NOT remove negative or derogatory remarks from credit reports. This collection agency " Eastern Account System of Connecticut '' did not follow up with me, they DID NOT make any attempt to clear this up and when I am now trying to resolve this matter, they will not remove the negative from my report, lowering my score 30 points! I am trying to move forward and this company is abusing its power and is not working with consumers for a positive result, they appear to be against the consumer and on a mission to ruin people 's credit scores regardless of whether they pay or not.
i have a credit card with Fidelity. I had a purchase that I disputed back in XXXX 2016 to XXXX XXXX XXXX - XXXX XXXX. Fidelity moved the credit cards to Fidelity Rewards VISA. Since the disupute started with XXXX XXXX I faxed all requested documentation to XXXX XXXX XXXX. FIDELITY REWARD VISA stated they never received my dispute from XXXX XXXX XXXX. So, I faxed all documentation to them in XX/XX/XXXX. I called in XX/XX/XXXX and they said they still had not received my fax. So, I faxed it to FIDELITY REWARDS VISA AGAIN!!! So, at this point i have faxed all requested documentation to this company. Today I noticed they reversed my disputed amount of {$1100.00}. I called and asked to speak with a supervisor in the disuputes department. I spoke with XXXX employee id XXXX. She refused to give me her last name. I have faxed this information 3 times. Please assist me in this disupute.
I filed a dispute over my one and only charge I made on this credit card on XX/XX/2017 for {$300.00} ( cost of my insurance deductible ). The dispute was regarding faulty repair services that were received at a dealership ( this is a XXXX credit card ). 

After I filed the detailed dispute ( I also filed a complaint against dealership ), I was told it would be handled and I would receive correspondence. Weeks went by and nothing happened. Via online chat, I inquired about the dispute and was told to continue paying my bill monthly. I did and it's been paid off in full with no balance since. 

I never received any e-mail or postal mail correspondence regarding my dispute from beginning to end. They never did anything at all.
I have made several compliants about that fact that Experian do not follow letter heads from credits, and make claims that the credit made statements about my account with no proof of a document that was sent to them from the creditor so I can go after the creditor with the proof that is was them who did that. All I get from Experian is them over the phone claiming that was the creditor sent them with no proof. But when I make a claim I get a document from the creditor, sign by the creditor with a letter head from company. I ask Experian if this was the court of law and I have hard evidence from a company sign by them who are they going to believe.Instead of asking the creditor if this document came from them so the came update my account, instead they tell me that they are waiting for the creditor to respond, and they respond never has to do with the letterhead that i sent them. This last update on this child support case they change it to {$0.00} balance after Child support did not respond. Experian policy is if the creditor do not respond they have to remove the account from my credit report. Instead of the remove the account from my credit report they took the balance that was reported {$180.00} and made it monthly payments, and made {$0.00} balance. This did not come from child support because it the wrong account information and child support do not report {$0.00} balance to credit reporting agency. They only report when there is a balance is due. It is illegal for a credit reporting agency to make changes to an account if it did not come from the creditor and that is what Experian did with this account. This are compliant numbers so you can see the history of what happen, XXXX, XXXX, XXXX. I did my investigation with child support already. They send out update on the XXXX of every month if there is a balance to report. If there is no balance there is nothing to report. Experian claim on XX/XX/XXXX, child support sent them an update that is a lie. Child support is not going to respond with false information about my account. {$180.00} a month is not my monthly payments. That is what Experian change it to because they did not get a response from child support. I want this account remove from my credit report.
I have dispute all three bureau 's about portfolio debt collector. It was deleted then put back on my credit i ask to validate this debt with signature proving this debt is mines they have not show any proof of that.
Was in communication with CFPB with case # XXXXI was under the impression that this debt was deemed satisfied because I never heard back from the creditor, Williams & Fudge. Last email with said institution led me to believe this was deemed satisfied since I never heard back and it was removed from my credit report. 

Come to know, that the original creditor rider university was given the account back without my knowledge either written or verbal and is threatening to report it again without payment which due to lack of communication by either party I thought was taken care of.
I HAVE ALREADY SENT A NOTICE TO THESE PEOPLE TO STOP REPORTING THE ACCOUNT ON MY REPORT AND TO STOP HARASSING ME ABOUT SOMETHING THAT ISNT EVEN MINE NOW I HAVE SENT YET ANOTHER AND NOTHING HAS STOPPED.
There is a chapter  XXXX  Bankruptcy and  XXXX  public records on my credit report that does not belong to me. The courts do not report to the credit reporting agencies nor do they report to third party companies such as  XXXX ,  XXXX , Experian, Collection agencies, or   XXXX   XXXX  . I have sent a method of verification letter to  XXXX  and Experian asking them to fill out the verification form that I sent to them and got no response. These are the accounts in question that are an identity fraud issue : Reference number for Bankruptcy is  XXXX ,  XXXX ,  XXXX , and  XXXX  are the other   XXXX    accounts that do not belong to me.
There is a slew of inquiries that I did not authorize nor did I sign any paperwork to run my credit for any of these inquiries. I called the companies and none of them can send me a signed credit application with my signature stating I authorized these inquiries.
  XXXX   XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX  & f  Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from  XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX
I submitted a dispute with Experian on or around  XXXX / XXXX / XXXX  for an inaccurate bankruptcy reference #  XXXX  that was filed in  XXXX  showing on my report. On  XXXX / XXXX / XXXX  I received the results of the dispute online. The bankruptcy was " supposedly '' verified as accurate and remained on the credit report. I called Experian on  XXXX / XXXX / XXXX  and spoke to  XXXX . I asked her how the Bankruptcy had been verified and the source of verification since the information was not listed on the dispute results.  XXXX  told me that a third party vendor went to the court house in  XXXX  IL to verify the bankruptcy information. I placed  XXXX  on hold and called the bankruptcy courts (  XXXX  ) and spoke to  XXXX . I asked her if they verified any type of information on a bankruptcy for myself to a third party vendor for Experian and she stated that the Bankruptcy Courts do not verify or share information with Credit Bureaus or third party vendors for credit bureaus. I advised  XXXX  of what  XXXX  from the Bankrup tcy Courts h ad just stated.  XXXX  said she does n't know who the  XXXX  party vendor for Experian is and there is no way for her to tell me or verify whether or not t he 3rd p arty vendor actually did verify since the Courts just said that they did not verify anything. I asked to speak with  XXXX  's supervisor and was transferred to the fraud department where I spoke to a  XXXX  and she stated that Experian gets their information from  a 3rd pa rty vendor but she could not tell me the name of the vendor that verified the information. As per the FCRA a consumer has the right to know how information on their credit file was verified and also the name of the vendor that verified the information. P er Civil Action No.   XXXX   XXXX   XXXX   XXXX   XXXX  all credit bureaus must list the vendors that was used to verify information related to a consumers credit file. Experian failed to do that and because of the lack of verification the bankruptcy must be removed
I am filing this dispute against Equifax for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. This is the is the section of the Fair Credit Reporting Act ( FCRA ) that mandates that Equifax must respond within XXXX days to a consumers request for information on the procedures they used to determine the accuracy and completeness of the information they relied on to verify items disputed by a consumer. 

So to explain the back story a little, I did dispute items in my credit file. Equifax did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to Equifax requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

Equifax subsequently sent me a response and a credit file dated XXXX XXXX, 2015, confirmation # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the XXXX day maximum requirement, that that letter did NOT provide me with any of the information used to verify the items in my credit file that I disputed as I requested. Instead, in that letter Equifax stated the " Below are the results of your reinvestigation request and, as applicable, any revisions of your credit report. '' In other words, all they really did is again tell me that the items were verified. It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my Equifax credit report and request documentation used to verify the items disputed. In good faith, I expected Equifax to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. Equifax has failed to do that to this day. This is completely not fair to me and I am sure the CFPB also expects Equifax to comply with ALL applicable laws in dealing with my dispute and others. Clearly, Equifax has failed to comply with [ 15 U.S. Code 1681i ( a ) ( 7 ) ] in my case and they should be held accountable for that.
On XX/XX/2018 we had fraud on our debit card. It was compromised for {$590.00}. Chase bank said we are liars and there is no way our account could have been compromised. The charge occurred 35 miles away on the other side of town. We were in bed at the time. We filed 2 police reports. Sent footage of charges being made by someone else. They said we could have let someone else use our card. Our account has been negative ever since.
This states that it is a Medical Collection Debt. My co-pays for a doctors office visit are {$40.00} flat which covers all services provided. For an Emergency Room Visit my copays are a FLAT {$75.00} ... So the 2 debts this company are trying to collect are either not mine, simply wrong, or the result of balance billing which XXXX does NOT ALLOW ... The other problem with these debts are one is for {$210.00} and the other is for {$100.00}, i'm not a rocket scientist but I do know neither of those amounts add up to {$75.00} nor {$40.00}. My Medicare Policy is for people with certain conditions only and pays much better than the average medicare policy. I can only assume they are trying to collect way more than allowed by XXXX. I will be glad to forward a single visit, which has been broken down to multiple charges to XXXX  and have them speak with the provider to clear this matter up. Unfortunately this may also result in a fine from XXXX  for Balance Billing! It needs to be removed completely.

Dates of Service XX/XX/2016 XXXX  Medical Center Act # s XXXX  and XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX
I have several private loans with XXXX XXXX now Navient. I called to lower my payments, my credit history and purchases were looked up without my permission unbeknownst to me. She then puts me on a brief hold, then she comes back reporting, '' Well you brought a car knowing you had to pay us '' and hung up. 
I did not give her permission to do this, she needed my permission to access my credit information.
Credit Card collection agency has repeatedly called my place of employment after being asked multiple times to not call. In addition collection agency has contacted my parents, sister and elderly grandfather repeatedly. Call are made sometimes XXXX or more in a single day with only a single message being left. After calling and speaking to agency and asking them to cease calls to my place of employment - I am a XXXX and do not have an outside line to my XXXX and will never be able to receive calls at work as a result ( nor is it appropriate ) - they left detailed messages for me with both the XXXX secretary and the XXXX. This has been going on for 3 years and as most recently as XXXX 2015. 
I called in XXXX of 2015 to make a settlement offer of {$800.00} for my outstanding debt of {$1200.00} ( more than 70 % of a 5 year old debt ) and was told that I needed to come up with {$1000.00} and I should " call back when I have the rest of the $ '' and was hung up on. The collections calls have since resumed to multiple calls each day. I would like a reasonable settlement offer sent to me IN WRITING as I do not feel comfortable dealing with a company via phone that ignores my requests for cease calls, ignores me when no permission has been given to contact on certain phone numbers and refuses to send me anything via mail. My information was updated with this company in XXXX of 2015 and I simply want to resolve this debt reasonably and expediently without myself or my family being treated rudely or unprofessionally. I want no further contact from this company via phone call to any number. As soon as I receive a reasonable settlement offer by mail, I will remit payment accordingly but will not do so without something in writing.
XXXX XXXX of Quicken Loans. Every time I come close to closing the mortgage loan.. He would come up with an document that he could have asked me for several weeks ago. I have a high credit score and he has asked me for a document on four separate closing occasions. Today close to closing he stated that 60 days of account activity were missing on my bank statements that I 've faxed to him two weeks ago. The bank teller printed out those statements and signed those pages. I have been going through this with him for almost three months. I have searched the internet for complaints. I found XXXX people who had the same problem with XXXX XXXX of Quicken Loans. There are many who had the same complaints about Quicken Loans.
received on XX/XX/XXXX letter dated XX/XX/XXXX stating i owed {$1600.00} from XXXX XXXX XXXX.original creditor XXXX XXXX XXXX # XXXX.this is not my account.i sent a letter of dispute XX/XX/XXXX i have received no response to date XX/XX/XXXX.
I am writing to dispute the following information in my file. 

Enclosed are copies of previous disputes and other documentation supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.