WillisBack/dataset-financial-user-claim huggingface dataset:
This debt was paid to XXXX already and should not have been sent to collections. I confirmed with XXXX that my account has no pending charges and that I have paid in full. GLA Collection Company, IN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX, reported falsely to XXXX that I have an account in collections. I filed a dispute and they lied to XXXX and said that the debt is being reported correctly. It is not being reported correctly. They did not investigate that this debt is not valid. They falsely claimed the debt is valid to XXXX.
My car was destroyed by dealership and deemed mechanical failure. I had my car repaired at XXXX XXXX. They destroyed my car making it unrepairable. I attempted to drive home after damage and had to end up getting it towed to another mechanic where after two weeks of testing and paying for parts out of pocket the mechanic informed me that the problem was not repairable and had been a noted defect. I informed my insurance company and the finance company letting them know the dealership refused to take ownership and I needed help fighting them and to be relieved of a debt for an automobile that would never be fixed. Insurance company attempted to help but due to state law ( nc ) they could not assist with mechanical defects. The finance company refused to care or listen. At that time I was current. The finance company then proceeded to wait 3 months later for them to then claim the car that had a lojack and put a repossession on my credit.
I have tried several times to have FAIR COLLECTIONS & OUTSOURCING to send me verification of debt. on to this day I have n't received any notice from them. I would like them to completely remove any negative mark on my credit reports.      XXXX  Account Type : Collection Account Type - Detail :  XXXX   XXXX   XXXX  : Joint Account Status : Derogatory Monthly Payment : - Date Opened :  XX/XX/XXXX   Balance : {$3400.00} No. of Months  (  terms ) : -  High Credit  : {$3400.00} This is the only information that I have of this dept that is showing on my credit report
I opened an account with Citizens Bank in XXXX, PA on XX/XX/XXXX and my Citizens accounts are not reflecting the correct opening date. 

Also I was promised interest rate of 1.24 % on my money market account and that were not done according to discussion when opening the account. 

Also I was not given documentation promised while opening the accounts. 

I spoke with XXXX ( a supervisor at the Citizens Rhode Island Call Center ) who was not able to help.
I was a victim of the inquiry issue with Transunion 's Credit Bureau. I contacted their customer service representatives and they refused to remove the inquiries from my credit report. I wish to have these negative inquiries removed from my credit report. 
These negate inquiries include the following : XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX
Equifax mishandled my information via a publicly announced hack of over 140 million records, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Equifax deleted an auto loan from XXXX XXXX XXXX that I paid off in XX/XX/2014 that was previously on my Equifax credit report XXXX/XXXX/14, Ref : Equifax Confirmation # XXXX and now I do n't have a Credit score from Equifax. I need Equifax to Re-Insert my auto loan from XXXX XXXX services back on my credit report. I 'm also a member with XXXX XXXX and was checking my credit report/credit score every week and I had a credit report/Credit score for both Equifax & XXXX. Equifax claims they did n't delete this, my auto loan company must have and I ca n't file a claim because it does n't appear on my credit report. My auto loan company did n't delete this, this auto loan still appears on my XXXX and XXXX credit reports as paid. Please help.
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
We have repeatedly asked for a history on our loan, and have yet to receive one. We noticed on recent statements that we are being charged interest on fees the service provider is charging that we have not been notified about. ( quarterly appraisal fees? ) We have also received correspondence in incorrect names with our mortgage loan number and address. We also have reason to believe our escrow account has not been properly managed as we are now due for two years of insurance in our latest statement.We can not get answers from the ombudsman email address or via phone. We have reason to believe they are in violation of several fair lending laws. Our home has been undervalued so we continue to pay PMI, on which the premiums keep increasing.
I have been trying to have these inquires removed from transunion and XXXX. I have had no luck. My ex husband who just recently is now deceased tried to open things in my name. 
XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXXl XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquiries from discover with no dispute information XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX, 2016 I wrote a check to Wells Fargo Home Mortgage for the amount of {$1000.00}. The amount was written out in words on the legal line and also in numbers in the amount box. Wells Fargo 's processing center processed the check for {$6000.00} on XXXX XXXX, 2016, which is an additional {$5000.00}. It overdrafted my account. This is a banking error. I contacted XXXX at the XXXX XXXX, PA bank and he reversed the check. It was resubmitted on XXXX XXXX, 2016. I contacted XXXX again and the same scenario occurred. It has since been resubmitted again on XXXX XXXX, XXXX XXXX, and also again today on XXXX XXXX. Every time I contact them to resolve the issue, they do not. I also contacted the home mortgage company and they told me they would charge ME {$35.00} to stop payment on THEIR mistake. I spoke with an attorney at Legal Aid in XXXX County, XXXX. She directly spoke with the bank manager XXXX at XXXX XXXX and he told her it is just a " bandaid '' effect and what he does only lasts for 24 hours. Therefore, it continues to happen over and over. I am beyond frustrated, want to close my account and ca n't because I have no money available, and I also can not get groceries or my XXXX daughter 's XXXX because every time I go to the store, my account is overdrawn and I can not access my fund. No one seems to care, at all, that this is happening. No one resolves the issue. I need legal help and also to file this claim because this has to stop NOW. I am a recent widow on social security and my social security is going to be affected. I 'm also receiving notices in the mail from all the companies I had automatic payments coming out of who I will now have to take the time to argue with to not charge me their overdraft fees and not affect my credit score. Once the credit score is damaged, it 's damaged. There is no reversing that. This is ridiculous!!!
I disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX  says XX/XX/XXXX, Equifax says XX/XX/XXXX XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau XXXX says XX/XX/XXXX, Equifax says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.
Coming into this branch I already experienced several problems with XXXX the banker who opened my account. Coming into the branch on Saturday XXXX XXXX at XXXX XXXX   I came in and as always saw very friendly staff. I came and approached XXXX XXXX the teller and she informed me that my D.O.B. was wrong on my account so I had to speak with the banker who opened my account which was XXXX. I was reluctant to do so because of every experience I've had with her including one the previous week in which she called me with a nasty attitude and told me she pretty much was only calling because she had to. 
I came into her office and she never once asked me for any identification even after I tried to present it to her. I find it very unethical and illegal for a banker to access my personal records and discuss my account without properly identifying who I was or accepting my identification. She was so rude as always I still never got my account date of birth fixed and its so disheartening to know great representatives of this branch from the security staff to XXXX XXXX the branch manager, XXXX a banker, XXXX XXXX, teller and the other tellers who are so professional and courteous even to rude customers are now seemingly over shadowed by this one banker who treats customers as she wants to and still is literally acting as if she is above the law by not verifying my identification. She has got to be the rudest banking rep I've ever had to deal with in banking. Horrible service from XXXX on a regular and continuous basis. She never even greets customers with a hello or goodbye or have a nice day or anything. She is always so informal and rude and I just have literally started to hate coming into this branch do to her actions and behavior that seems to go uncorrected because she is not being held accountable for her poor customer service. 

This is in reference to the branch located at XXXX XXXX XXXX XXXX XXXX IL XXXX
Ordered a guitar online from XXXX XXXX ( XXXX XXXX XXXX XXXX, Minnesota XXXX ) which never arrived. Company said I had to fill out a police report despite having NO proof of delivery. I disputed with XXXX Visa - and WON the dispute. Yet - they still email AND call me EVERYDAY.
I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  Credit Management Control  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.
There is a company named Oracle Financial LLC that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.
Accounts Receivable ( XXXX ) has sent me communication regarding a debt that is not owed to XXXX ( XXXX ). I retained legal representation and the creditor ( XXXX ) and Accounts Receivable were sent a cease and desist from Attorney XXXX. I want Accounts Receivable to no longer contact me by any and/or ALL communication tactics. Thank you.
AFFILIATED ACCEPTANCE CO # XXXXThis account has been reinserted. It was removed before and it is an account that was established due to ID Theft and Fraud. I was never a subscriber and I never lived in the XXXX of Colorado. The collection agency fails to validate and verify the debt but continues to report it even though it was previously removed. PLEASE DELETE.
I had a M and I credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and XXXX. I have made numerous attempts with both M & I which is now BMO and the credit bureaus. XXXX is the only one reporting accurate information. I have asked BMO to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
US bank is reflecting on my credit report that I was 30 days late in the month of XX/XX/2015, when I actually paid off the account on XXXX/XXXX/2015 before the payment was even due. I need this account to be updated on my credit report as being never late and the 30 day late removed as it is stopping me from purchasing a home.
I have a loan with Ditech Financial the property need insurance which I provided by XXXX XXXX the problem is Ditech went on put insurance which take the mortgage too high for me to afford the mortgage. I send them the all the insurance information and have XXXX  XXXX company called and still Ditech refused to take the insurance off, my mortgage payment was {$890.00} now because they had insurance is now {$1100.00} which is way too much for me can you instruct me on my next step thank.
The number that called is XXXX XXXX XXXX. They told me that I owed XXXX XXXX XXXX and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this ADR arbitration and mediation company but no luck so far.
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX XXXX XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Citibank paid an item that was presented as an ACH. They reflected the item paid with a credit balance of several hundred dollars after the payment. They then turned around and returned the item two days later. When the item was returned, it showed that I had a hundred plus dollars more once the item was returned. The item was only for {$59.00} so how was there not enough money available. As well as why did the item never show as a negative which would have alerted me that there was not enough money available. Citibank responded to my concern but never addressed the problem. I was able to get the credit for the NSF fee after calling and speaking with a representative that agreed that they had made a mistake. Citibank needs to own up to their mistake and fix their online account information to reflect charges and credits to show real-time accurately. I clearly had enough money for the item to be paid. The account statement that Citibank sent in their response shows the item being paid with funds left over.
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. XXXX XXXX XXXX XXXX {$680.00}
Originally complained about numerous harassing phone calls ( # XXXX ) and, due to unemployment, how Key Bank refused to allow forbearance. Now, they have reported to the credit bureaus that I am 90 days late ( affecting credit score from XXXX to XXXX ), which is erroneous. Some month payments are doubled. I asked numerous times for a forbearance ( due to unemployment/ hardship XXXX XXXX to XXXX ) and was refused. Monthly payment is {$160.00}. The following are the payments made:XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}.
Today on XXXX XXXX, 2016 I have received 3 phone calls from Receivables Performance Management. Every time I answer my phone, its dead air and they are not speaking. I call back and got disconnected on more than 6 times. I placed a cease and disease on my account to stop contact me because of the harassment number of phone calls in one given day. After I placed the cease and disease on the account I received another phone call from Receivables Performance Management.
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to Green Tree which is now DiTech. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, DiTech keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know Green Tree/DiTech had a case against them due to this very issue.
My father passed away XX/XX/XXXX. I am his only heir. The mortgage company at the time, XXXX, would not speak to me even though I repeatedly sent them the death certificate, will and administratrix paperwork. XX/XX/XXXX my property was affected by the flooding in XXXX, XXXX. The loan had then been transferred to Select Portfolio Service in XXXX XXXX XXXX, XXXX, and so I began with them to explain my father was deceased but that I have been making the payments. They transferred the loan to the Estate of my Father instead of to me even though I asked to assume the mortgage and I am the only heir and supplied them a copy of the Will and Administratrix paper work. They sent me a letter today telling me this loan was included in a bankruptcy my father filed in XX/XX/XXXX ( it was not - and if it was why would we make payments through XX/XX/XXXX?? ) I HAVE to have this transferred to my name in order to complete my FEMA paperwork for damages from the flooding. The law was passed in XX/XX/XXXX that children could assume a parent 's mortgage. What will it take to make these people understand this? I am at wits end!
I have lodged disputes with Chase and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in XX/XX/XXXX.
Man 's voice, no name. Said was " XXXX '' and that failure to respond would result in legal action. Did not identify any account that they are collecting for. Called 3 times in 5 minutes. Their number is XXXX.
There is a collection showing on my account from XXXX from XXXX. This seems to be new and did not appear on several credit reports that I pulled between XX/XX/XXXX. I believe this to be an error.