WillisBack/dataset-financial-user-claim huggingface dataset:
Collection Accounts identified as ( XXXX ) on my Equifax Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Equifax to delete this accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Equifax needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports. 
Additionally Equifax was notified that these additional accounts were inaccurate and they were previously disputed and Equifax was asked to send myself copies of the documents verifying the accuracy of said accounts and if they were not able to immediately delete them instead they continue to report inaccurate information further damaging my credit. As per the -- FCRA does NOT allow for unverified items to remain on consumer credit reports. Accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been a fraud alert placed on my credit profile
I purchased membership tickets online. When I arrived XXXX in XXXX TX. I was informed by XXXX employeesthat they would not honor the membership since I purchased itto attend the XXXX XXXX TX location. I explained I was notinformed of this and that I thought I could use my membershipany where. The employee stated I only could utilize themembership after I go the designated location of themembership. Therefore, I just paid to get in the park. Thefollowing day attempted to utilize the membership at XXXX XXXX XXXX in XXXX TX. I discovered even if the membershiphad the correct location that is not a part of the membershipagreement. I explained that is the main reason for purchasingthe membership because the advertisement stated it was validat all XXXX including the XXXX XXXX. I emailed andcontacted XXXX membership several times and no one wasable to correct this issue. Therefore, I received a collectionnotice stating I allegedly owe a total of {$1000.00}.
I tried about 5 years ago to get a modification on my mortgage through a company called XXXX and it turned out to be a major scam. They charged me almost {$4000.00} and disappeared. Well XXXX lawyers later and approx. {$20000.00} later the bank Wells Fargo is still denying me a modification and has broken all laws pertaining to the modification. The last lawyer I had XXXX XXXX charged me {$3000.00} to try to get the mod and he said he believed he could get it and he could n't and now he wants to charge me {$1300.00} a month to file the lawsuit with no guarantees at the end. He is also charging me just to talk on the phone. I need direction and an attorney that can work with me to sue Wells Fargo and try to save my home. 

I would like the mortgage and escrow to be lowered to an affordable amount and the interest and lawyer fees to be reimbursed since the only thing that was done was paperwork. I am tired of being ripped off by attorneys who charge too much money to get no results.
I had XXXX XXXX services for a short period around XXXX.. When I ordered the services I inquired if it would be a hard or soft credit check. The agent stated soft. I went forward with the order. Few days pass and XXXX XXXX stated there was a hard credit check. I called in to dispute multiple times. Multiple agents said this would be taken care of and most of those calls were an hour at minimum. They put in a form. Advised to wait 90 days. I did, and called to follow up. Agent states it didnt process for an unknown reason ... waited another 90 days. Denied but stated the credit check was valid but 2 minutes ago you agreed and said soft inquires are always issue do out.. so I go and escalate this via chat with a supervisor. He agreed and stated it wasnt normal for this to happen and to go and disputed this with credit department. I went forward with it. They stated that I need to call att for support and get the OK from them. After going back and fourth I put in a word with the attorney general. She was no help whatsoever. Couldnt explain why any of this happened, why supervisors stated such things. All I want is this credit check to be removed. Everyone is making a big fuss over something att has falsely eductated me. If I do get support, I want to speak with someone else higher or equally as XXXX XXXX.
XXXX XXXX XXXX is trying to collect a debt from a power company in PA on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XXXX XXXX, 2016 ) to Experian and they are refusing to change the report. I have told both Experian, XXXX XXXX XXXX and XXXX XXXX that i no longer owned the house.
I noticed there are continuing collections being posted to my XXXX credit report. These collections have been removed on two occasions already ( by : XXXX XXXXXX/XX/2016 and XXXXXX/XX/2016 ) .Now there is another collection from, ENHANCED RECOVERY CORP for the same amount of {$580.00} for equipment that was returned via the technician who installed XXXX @ XXXX XXXX XXXX XXXX XXXX on or around XXXX XXXX, 2016
This item Nissan Motor Acceptance account # XXXX .... And account # XXXX ... .is inaccurate because the Notice of Sale was held Wednesday, XXXX XXXX XXXX with a balance of {$33000.00} and sold at XXXX at XXXX New Jersey , XXXX XXXX XXXX, XXXX , NJ XXXX. XXXX XXXX XXXX amount {$32000.00} was owed and total balance due of {$1000.00}. XXXX Credit Report XXXX XXXX XXXX reports Nissan Motor Acceptance Company reporting High Balance {$34000.00} and Past due balance of {$16000.00}. XXXX Credit Report XXXX XXXX XXXX reports High balance {$34000.00} with charged off of {$17000.00} and reported secondly on XXXX Credit Report High Balance {$34000.00} as Transferred, closed of {$18000.00}. I am requesting that the item be removed immediately due to violation of the Fair Debt Collection Practices Act:
I was behind {$3200.00} this includes late fees. This company has done this 4 times previous. Refused to work and tried to foreclose and I stopped it each time by getting the money owed. But each time they add fees, {$600.00} internal attorney fees, and add a monthly payment that is n't due yet. I have tried 4 times to modify, or repayment, or work something out. Nothing..but I have in good faith every single time I fell behind find a way to catch up and prevent from losing my home. Here we are again and the game begins and I 'm just exhausted I 'm an old elderly man and my son handles this for me now. This will just kill me. First of yes I know I am behind, but I have been making payments each month ...
I owe {$3200.00} Date XX/XX/XXXX, Minus payment check # XXXX - {$730.00} and Date XX/XX/XXXX. Minus payment check # XXXX. - {$750.00} this leaves a balance owing of XXXX. of which I explained will be paid by XXXX XXXX, 2017 bringing my account current. The problem they refuse to deposit the above checks therefore throwing my account into foreclosure. The dates written on the checks were XX/XX/XXXX, andXX/XX/XXXX.. well in advance to prevent a foreclosure. They have n't sent a notice for foreclosure yet but I know the signs of the game and how it begins..by refusing payments.
Now they sent me a letter datedXX/XX/XXXX, after they received my payment ... .take note here ... they got my paymentXX/XX/XXXX, which would make me 3 payments behind. Foreclosure warnings does n't start till after four late payments ... Now back to the letter ... the letter was dated XX/XX/XXXX, I did n't receive the letter until XX/XX/XXXX, United States postal service. Inside the letter it stated I had until XX/XX/XXXX to send in the {$3200.00}. the problem here is I received this 7 days after the fact of the stated request. But they refused my payment on XX/XX/XXXX which would have prevented this in the first place let alone I sent in another payment on XX/XX/XXXX. If course they are not accepting that payment either. I have called and have gotten no where as usual. I am tired if fighting with them for 9 years. I kept up my end if the mortgage even in default. When will this horrible company give me a break. We bail them out with our tax money ... I 'm a retired veteran and I feel like I 'm not an American anymore. They treat me with no respect. I get nothing but denials, lies, decent, they try to steal my home from me from criminal practices with unfair billing, mortgage increases with no explanations, fees for every fricken thing you can think of. Please help.
We had a negative account balance for over six days in XXXX of XXXX accounts that we have with Ally Bank. They have a policy to freeze your account and then - this is the big issue - subsequently put a 5 business day hold on any deposits for six months ( or more, I 'm a little unclear on the timeline ) following this incident. As they are an online bank with no physical locations, the only way we can access funds is either through direct deposit or a mobile check deposit. We have some direct deposits, but most of my income is as a freelancer who gets paid in small, handwritten checks. A one week delay of access to most of the money I receive is incredibly hard on us and of course makes it more likely that we 'll run into trouble with overdrafts and a negative balance. Their policy really seems to encourage exactly the thing that got us into trouble in the first place.
On XX/XX/XXXX, I suffered from a possible allergic reaction, including XXXX difficulty. Accordingly, a relative drove me to the emergency room at XXXX XXXX XXXX in XXXX, Georgia. 

I incurred {$6200.00} in total charges, offset by an adjustment of {$3600.00} for having no insurance, leaving a balance due as of XX/XX/XXXX of {$2600.00}. 

On XX/XX/XXXX, I obtained a letter from XXXX XXXX XXXX, indicating my approval for 100 % discount from the Georgia Indigent Care Trust Fund, retroactive to XX/XX/XXXX. 

I have shared this letter Indigent Care approval with the billing department at XXXX XXXX XXXX on multiple occasions. 

Nevertheless, the XXXX XXXX XXXX sent the account for collections to XXXX XXXX XXXX. I have shared the XXXX XXXX approval letter with XXXX XXXX XXXX. 

As of XX/XX/XXXX, the charge appears on my credit report from XXXX and XXXX.
Wells Fargo is using system manipulation to intentionally cause overdrafts. In XXXX XXXX I paid my XXXX bill. The payment was deducted the same day ( SHOWED DEDUCTED ALL DAY ). 
W.F. claims nothing was drafted ever until the payment magically appeared 3 - 4 days later. I sent 3 requests for explanation with random response. Finally believing it was a 1 time issue. I let it go. 
Well, yesterday XXXX XXXX XXXX, I paid my bill again and it showed it was deducted and I continued to pay my other bills. This morning to my suprise I had additional money in my account and double checked and sure enough Wells Fargo is claiming I did not make paymemt and NO PAYMENT was EVER drafted. The rep claims he was not calling me a lyer. 
BUT TWICE, I paid my bill, but really did not, and W.F. does not have any record of this mystical draft. 
I nearly over drafted my account. 

The rep told me I should track my money better and it 's not their problem. 

How is it that I am supposed to trust a financial institution to handle my money when they can not even explain to me why a vendor was allowed to draft an invisible payment and not show any trace.
On XX/XX/2018 Chase Credit card company keeps calling me every couple of hours about a debit I owe them. I have already set up a payment to pay off the partial debit that is owed of XXXX I told the latest agent that called to please stop calling and they said that they can call how ever often they want to.
The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )
I was coerced into buying a XXXX vacuum by the owner of the XXXX WI company XXXX XXXX, the salesman ( my boyfriend ) and his manager on XXXX/XXXX/15. They told me they wanted to make quota for the week and that they could resell the equipment and pay it off before monthly payments started up. This had been done before and I should n't worry about it. The manager filled out the sales contract and had me sign it. United Consumer Financial Services said they called my place of employment to verify income and verified the purchase with me but they never did. I 'm a XXXX, living at home and XXXX, I 'm not employed. And my mother is joint owner/signer on all my financial accounts. We have tried to resolve this issue with the company for 10 days with the XXXX but the company refuses. UCFS when contacted, said they verified employment and income but there is no employment or income so who verified it? We asked for a copy of the loan application to see who filled it out and what was written on it, from both XXXX XXXX XXXX and UCFS but neither one would supply it. We just want to return the equipment and cancel the loan. These are preditory and fraudulent practices and should n't be allowed to continue.
I sold my home and paid off my mortgage to Roundpoint Mortgage Servicing Corporation via wire transfer on XXXX/XXXX/16. I called them on that day to give them my new address and verify when my escrow balance and mortgage overpayment would be released. I was told by " XXXX '' it would be sent in 20 days. I called again on XXXX and talked to " XXXX '' and was told a check had not been issued yet and that it could take up to 60 days. I requested and was told it would be expidited. I still have not received a check. Why are they allowed to hold my funds for that long when they received a wire transfer on the date of closing? If I am late on a payment I am charged a late fee. Why is Roundpoint not penalized ( and me compensated ) for their failure to pay ME promptly?
Repeated phone calls, daily, asking for someone who does not live here. We told them that but they have been calling for years.
There are fraudulent credit inquiries on my credit report XXXX/XXXX   Inquiry from XX/XX/XXXX this account is fraudulent and I would like it removed off my CREDIT REPORT ASAP BECAUSE IT DOESNT BELING TO ME AND IS FRAUDULENT.

Also there are other fraudulent accounts on my report and I want them removed at once these accounts are fraud and do not belong to me and I would like them removed from my credit report at once XXXX Reported : XX/XX/XXXX + {$420.00} XXXX XXXX Reported : XX/XX/XXXX {$390.00} XXXX XXXX/XXXX Reported : XX/XX/XXXX {$420.00} These accounts are all fraudulent and I want them removed I keep writing these companies but they have yet to be removed for my credit report. These are amfraud and do not belong to me please remove them at once.
A dispute was submitted to Equifax on XXXX/XXXX/XXXX due to an account being inaccurately reporting on my Consumer Credit Report. Supporting documents were submitted from the data furnisher that I received to support my claim that the account was being inaccurately reported on my Consumer Credit Report. Equifax failed to investigate the matter properly in addition to disregarding the supporting evidence. A Complaint was submitted through the CFPB porthole with respect to this matter on XXXX/XXXX/XXXX # XXXX and the inaccurate account has been under investigation from XXXX/XXXX/XXXX until the present day. ( See Attachments ) A Consumer Reporting Agency 's reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. Whether the credit reporting agency must go beyond the original source depends on a number of factors, including : ( 1 ) whether the consumer has alerted the CRA that the original source may be unreliable ; ( 2 ) whether the CRA itself knows or should know that the original source is unreliable ; and ( XXXX ) the comparative costs of verifying the accuracy of the original sources versus the potential harm the inaccurate information XXXX cause the consumer. See : XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XXXX ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified. I request my private right of action pursuant but not limited to 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ) and ( XXXX U.S.C. 1692g ). Account number XXXX from XXXX XXXX is reporting inaccurate. The account inaccurately reported for months has caused me to be denied credit, higher interest rates, etc.,. This is my final attempt to clear to resolve this matter privately before taking my arguments into a court of competent jurisdiction.
1. On XXXX XXXX, I read my XXXX Red MasterCard statement and there are XXXX charges appeared fraudulent ( total {$250.00} ). I called in right away and I was assured the account was closed, and amount under investigation. 
2. I received phone calls asking me to pay, I refused and spoke with various people and again reassured that the account was closed and I am not responsible for the amount ; just wait for the paperwork. 
3. On XXXX/XXXX/15 someone called my husband ( whom is not on the credit card ) and he paid ( total {$250.00} ). I called my bank to dispute the amount as soon as he told me that he paid the above amount.
I would say about 6 years ago maybe longer I messed up on a bank account XXXX for {$320.00}. I got contacted by the collection agency about 2 years ago and settled the acount to I think {$250.00} and paid it. Today I tried to open up with a credit union givin the fact I have had my bank account now in good standing for 2 years. They denied me for being in chexsystems for the account I had already paid off. I wish to have it marked as paid or settled or taken off or something becuase it is tarnishing my name.
Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect. 
We worked with XXXX XXXX for over a month and he assured us over and over that we would have to pay nothing out of pocket even when our house sold for less money. It is our opinion that the XXXX XXXX was incompetent in doing his job because he would never respond. When we got to closing on Thursday, the closing documents said we owed {$1400.00} out of pocket. When we called the lender, XXXX acted like he did n't know what was going on. It was super stressful since we had a deadline to get out of the house that we just sold. He adjusted the paperwork and resent it. The resent paperwork was incorrect and said we were going to owe money out of pocket again. Our realtor noticed that he made mistakes with the numbers on the paperwork as well! He had the property tax incorrect and the home warranty incorrect. We wasted all day Thursday because he could not get the paperwork right. He refused to eat the cost over his mistake and made us pay for it. We had no choice to go with it because we were backed into a corner and would have been homeless. We were supposed to move from our old house on Friday, but instead we did not close until Friday afternoon. So now, we have an extra {$1400.00} on our loan that we could not afford because of his mistake. We had to cancel movers and move them to Saturday which we had to pay premium. We had to rent a XXXX because we only had 2 days to move out of our old house instead of XXXX due to this guys mistake. We wasted a lot of mileage, gas and tolls going there on Thursday when the paperwork was incorrect. We had to take off an extra day of work that we did n't have because he made us lose a day of moving. I wish we would have went with another lender because now we are paying over budget due to this guys HUGE mistake.
I reported multiple errors on my credit report including XXXX XXXX XXXX for {$5600.00} and XXXX XXXX XXXX for {$2500.00} The first dispute was done on XX/XX/XXXX and a second XX/XX/XXXX ... Both of which are still under investigation with Equafax with no response and no follow up. Please help It is far past the 30 day creditor response deadline and this information is not correct. This error in question is preventing me from being able to get another home.
On XXXX XXXX XXXX Hunter Warfield responded to a complain i filed with the CFPB on XXXX XXXX XXXX ( case number XXXX ). The complaint was filed because while checking my credit report i found and account from this company listed on my file from which i had never received any communication from and when i disputed the account with them they sent me a letter requesting more time. Their response states that they did send me verification when the obtained the account but the documentation they sent to " back up '' their claim shows otherwise. The documentation they sent through the CFPB portal is as follows. Rental application, Move out statement, and their verification letter. Now looking at these documents you can see that the apartment complex noted i gave them notice and moved out on XXXX XXXX XXXX and Hunter Warfield claims they sent me a letter on XX/XX/XXXX..But they did not send it to the address i gave the apartment complex they sent it to the apartment from which i had moved out of over month before they claimed to have sent their verification letter had they sent the letter to my correct address which the apartment complex has this matter would have been taken care of. Now to add insult to injury they have not only increased the original balance from {$2600.00} to {$2800.00} they are not KNOWINGLY reporting the original amount as {$2800.00} on my XXXX, XXXX, and XXXX files. In their response to my original complaint they note tht i must contact XXXX XXXX about this account on XXXX XXXX XXXX i mailed a letter to XXXX to settle this account which was delivered on XXXX XXXX XXXX and i have not received any response.
XXXX 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and GC Services. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to XXXX 's. I 've sent XXXX 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called GC Services. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. XXXX 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the XXXX reporting Agencies and GC Services. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.