WillisBack/dataset-financial-user-claim huggingface dataset:
ERC removed a debt for {$680.00} on my credit report and has now resubmitted it on XXXX XXXX XXXX. I have contacted them to let them know that this debt does not belong to me. They say that they are working with XXXX to collect this debt. They sent me a verification of the debt but did not provide me any documentations such as a signature showing that this is my debt. They are ruining my credit profile and I am currently trying to buy a house. This has been beyond belief and this item is damaging my reports.
I was consitantly making payments of {$280.00} for almost 6 months. However, when I tried to call Navient at the beginning of XXXX about how I cant afford to pay that much a month they pretty much told me that I have already been given the lowest payment plan they have. I am in the military and I am the sole source of finances to my wife and XXXX kids. I will be more than willing to make these payments if i could get them lowered. Please help me.
A collection account with The Law Offices of Mitchell D. Bluhm & Associatges, LLC was reinserted on my XXXX account as a newly opened collection account. There are four different discrepancies that I would like to address related to this account. 1. If any information has been deleted from a consumers file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. The initial collection resided with XXXX XXXX and was deleted from my XXXX credit report approximately on XX/XX/XXXX. I did not receive any type of notification that this account would reappear on my account as a new collection. This is a Fair Credit Reporting Act violation. 2. The balance due is incorrect. 3. The date of service is incorrect. 4. This account reflects an open date of XX/XX/XXXX. This is NOT a new account and was originally placed on my credit report on XX/XX/XXXX with an expected date of removal in XX/XX/XXXX. A collection agency, no matter when an account is received can not re-age an account. They have added 2 1/2+ years to the allowable allotted time that this account should be reflected on my credit report. Again, this is a Fair Credit Reporting Act violation and illegal!
On XX/XX/XXXX XXXX XXXX closed my existing credit card tied to my bank account and re-issued a new credit card transferring the existing balance of the old card into the new one. XXXX XXXX did not alert me of this change, nor did they link the new credit card to my bank account. Due to the fact that the new card was not linked to my bank account, I did not see any open balances when I did my routine weekly online banking check. 

It wasn't until the following month ( XX/XX/XXXX ), when I received a statement by mail saying that I had a delinquent, {$300.00}, payment, that I was made aware of this situation. I then called XXXX XXXX and immediately paid off the balance. I let them know of the situation, I paid off the balance and demanded that they link the account to my online banking so I could set up automatic payments as I had done in the past. I also asked if they could please write a note about this so it wouldn't appear on my credit score since it was their fault, and they said they would write a note on my account to try and prevent this.

However, my credit score has now been lower for several months due to this late payment on an account that was created to replace an old account without XXXX XXXX having alerted me, or informed me of the money that was due or the new account. 

Please help me fix my credit score.
I was trying to purchase a vehicle from XXXX XXXX. I was told that I need another XXXX because of the negative equity in my trade-in. the salesman told me to go to Omni financial so I did I did n't purchased anything for this loan it was just a consumer loan so the guy from Omni financial sat me at a computer told me to put in my XXXX card and went through the paper work for the loan and he did n't explain it basically he just said parts and said if you want to read it you can but I already summarized it for you so he had me set up a allotment for XXXX every month so after everything was done he gave me a envelope with all my papers work in it and gave me a card to use to get the money off of it he told me I only was approved for XXXX.
Back in XX/XX/2018 I requested for Experian to validate and delete the debt of a negative paid/charged off/inaccurate/closed credit card that I had with XXXX ( Account # XXXX ), ( Amount {$0.00} ). I have sent my last 4th letter to Experian on the XX/XX/2018. I have not received any copies in regards to my request. XXXX and XXXX   have deleted or updated this account on my credit report within the 30 day time frame already. My XXXX  credit score is XXXX & XXXX   credit score is XXXX. This item is negatively impacting my Experian credit score. Experian is involved with illegal business practices and is  committing fraud on various levels.
This is in response to conversations I 've had with XXXX XXXX and XXXX XXXX on XXXX XXXX, 2016, concerning my complaint of predatory lending. I received a voicemail message late on XXXX XXXX from XXXX XXXX of SunTrust 's Escalation Resolution Department advising me to return the call and speak with 'any representative '. This was a red flag to me, as having to deal with multiple client relations representatives in my modification process in XXXX of 2016 was a matter of which I 'd already filed a complaint. I did call back on XX/XX/2016 and spoke with XXXX XXXX. She asked me if I had any questions, to which I said I did n't know what questions to ask, as this is their service and they must explain this process to me, clearly and thoroughly. I also told her that speaking with 'any representative ' was a red flag for me and why. She advised me I had XXXX person assigned to handle my account, XXXX XXXX. I told XXXX I would not work with XXXX XXXX as she had lied about what was discussed in our phone conversation of XX/XX/2016, vs. what was stated in their response to my CFPB complaint filed on XX/XX/2016. In that conversation I have no recollection of any discussion of the foreclosure sale scheduled on XXXX XXXX, 2016. Yet in their response to my complaint, it was stated this discussion took place. This was the second of XXXX lies and/or inaccuracies in that response. I told XXXX I would speak with XXXX XXXX 's XXXX, and she advised that is XXXX of Mortgage Escalation Resolution. I received a call and spoke with XXXX XXXX late the afternoon of XXXX XXXX. She confirmed the foreclosure sale of XXXX XXXX was stopped due to my complaint of predatory lending, and that their 'compliance people ' would review it. Among a few things discussed, I told her I wanted documentation of what SunTrust did with our interest payments paid to them over the course of the loan. She said she would have to get back with me. I have not received a return call or email on that request. 
There is a pattern of lying and/or inaccuracies, misinformation, creating confusion by passing me off to multiple representatives. Considering that, and recalling my experience with the loan application process and closing, I do suspect there are potential violations. As such, I am requesting documentation and information as outlined in my attached letter.
On XXXX XXXX, XXXX at XXXX XXXX Portfolio Recovery called my wife and I at home in attempt to try to make contact regarding a debt. The problem is our number is listed on the Do Not Call Registry. They  were calling late, while we are in bed trying to get our rest. We have had this happen several times before and are getting tired of this.
onXX/XX/XXXX i spoke with someone at rise and agreed to remove all negative info from my credit report. a verbal agreement was made on a recorded line that once i showed receipt of payment the item would be removed. onXX/XX/XXXX i recieved an email saying that everything is correct. they are now refusing to stand by the agreement made on a recorded line.
On XXXX XXXX I XXXX XXXX had notice that there were some unauthorized transactions charges made to my bank of america account. I contacted the bank ( Bank of America ) immediately concerning this matter, and file a dispute. I contacted XXXX and they were n't able to verified a account under my name social security, phone number, email address, I ask them why was they taking money out of my account every month. I do n't have a contract with them and I do n't receive no services from there company This is fraud Bank of america said they put a stop were XXXX ca n't take no more money out of the account. Later in XXXX or XXXX XXXX I notice XXXX again took more money out the account. I contacted the bank again concerning this matter ( Bank of America and spoke with a XXXX XXXX XXXX XXXX she 3 way called XXXX they still were n't able to verified me having a account with there company. On XXXX XXXX, XXXX Bank of America contact me and said they have completed this and as a result the temporary credit that was issue to me in the amount of XXXX will be removed on XXXX XXXX, XXXX from out of my account. This is fraud I have contacted my bank concerning this matter, and I still not be held accountable to pay someone else bill. My debt card Driver License keys was stolen in XXXX XXXX this was reported. Bank of America should safe guard my money at all times FDIC I do n't have a account with this company and never had a account and I never gave permission for no one to use my account to pay another person bill off my household have XXXX XXXX XXXX services Cable, Phone, and internet I need my money back plus all the fees Bank of America made me pay I have filed a complaint with The Illinois Attorney General and Federal Trade Commission Center concerning this matter my contact telephone number is XXXX XXXX report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America XXXX fraud claims XXXX Federal Trade report # Identity theft XXXX
This company is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I have previously sent written correspondence to XXXX XXXX Bank requesting that all account information be verified and removed because this account ( 1 ) does not belong to me, and ( 2 ) is listing both negative and inaccurate information on my credit reports. XXXX XXXX Bank 's response XXXX was that I did not indicate what specific information you were disputing or requesting to verify. This is FALSE ; please see the detailed email below which shows all of the inaccuracies this company is reporting false information. I have also filed complaint with all three major reporting bureaus and have not received a thorough investigation as required by the law. This is a notice of complaint with Experian, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file. The date of last activity, payment history, and status* do not align across all credit bureaus. After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with XXXX XXXX Bank, nor do I have any prior knowledge of said account. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, this notice includes : Identification of the specific information being disputed : XXXX Experian, and XXXX reporting for Acct # not listed on either of the XXXX credit bureaus website, but pertaining to credit card account ending in XXXX. BASIS FOR DISPUTE 1. Date of last activity ( Inconsistent across all XXXX bureaus ) XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX Experian - unknown/not listed 2. Payment history ( Inconsistent across all XXXX bureaus ) XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Bad debt/Collection XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - None reported Experian - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Collection ***Payment status is showing charge off from XXXX XXXX XXXX on XXXX ; however, Experian payment status is showing " charge off '' on XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX, XXXX XXXX, then " charge off '' again XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX and XXXX XXXX, then listed as " charge off '' XXXX XXXX. *** XXXX. Status ( Inconsistent across all XXXX bureaus ) XXXX - " Charge off '' Transunion - " Charged off as bad debt '' Experian - " Unpaid balance reported as a loss by credit grantor '' I also have NO knowledge of this account. 
Below I have attached a copy of my original letter to XXXX XXXX Bank, a copy of their response letter and a copy of the section of false information that is still reporting on my credit report.
I continued to make monthly payments to XXXX XXXX for my hospital bill. I made a payment in XXXX, however on XXXX XXXX a letter was sent from Venture Financial Services that they are collecting on this debt. 

In the letter it states that this debt will begin to accrue interest. There is no disclosure on the amount of interest that will be charged. I was not paying interest on the debt when i was making payments directly to XXXX XXXX. 

If banks need to fully disclose the amount of interest they are charging consumers, why can these medical debt collectors get away with being so vague. 

I did not receive a fair notice that the debt was being either sold or collected on by a debt collector.
We requested credit investigations almost two months ago, and so far, Experian has not sent us any response.
Sent payment for another persons judgement twice to clear up balance. Company states its mine and I am past due. When I made the payments on the judgement, I never received a receipt with principal, interest paid or balance due. Now I am getting certified letter and phone calls trying to collect from me. Company has also changed names and this is not a transferable judgement based on an account that was sold yet they are stating this as an asset bought and still due.
I have several student loans through Sallie Mae called the " smart option '' student loan. We have tried multiple times to consolidate these loans or get the payments lowered. As of right now they want us to pay almost {$600.00} per month which is not even feasible at the moment. We were at one point put into a program which lowered the interest rates from almost 11 % down to 4 % for 1 year and then down to 2 % for 1 year but we were only allowed into that program because the loan had defaulted. The loans have been paid for 3-4 years without missing a payment and they wo n't let us consolidate or lower the interest payment. The last person I spoke to told me that the only way they could help us with anything would be to let the loan go to collections/default. Of course then it would hit our credit and hurt other things leaving only one choice, to pay. For student loans only totaling {$36000.00} a {$700.00} a month payment is just a bit much. All we want is a fair rate and a fair monthly payment. Do n't get any student loan through Sallie Mae unless it is a government subsidized or unsubsidized student loan.
Once again, Equifax denied me a the yearly free credit report I 'm entitled to. I answer all their questions correctly, but they denied the report nevertheless with no explanation whatever. For how long are you going to allow them to get away with this practice, as it is a violation of federal law?
The attached company claims that the account will be removed on all pertinent credit reports XXXX XXXX. I stipulate that the account was opened in XXXX, that it went into default the same year, was eventually paid in full in XXXX, and that the company in question still not only maintains a balance of {$1500.00}, but that the account if legal would show a XXXX balance. My dispute was challenged and a copy of the XXXX XXXX result is attached, with virtually no response or required documentation to maintain a negative trade line on my personal credit report. The item needs to be deleted as mandated under the 84-month rule with the Fair Credit Reporting Act. The Consumer Financial Protection Bureau, as mandated under Dodd-Frank has taken up consumer rights where FCRA and Fair Debt Collection Practices Act consumer rights are being violated.
I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. 

Please help me out with this issue I do n't have extra money and this is very hard on me. 
Thank youXXXX XXXX
I have tried for the past 90 days to request an economic hardship deferment. There is no way based on my current situation that I can make the payments. I have advised them of reduction in income ... The number of children in my household alone combined with my income puts me at below poverty level. I even did the calculation on their website and it said my payment should be XXXX. I submitted the documentation and they continue to deny me. I need some assistance.
XXXX XXXX from Aargon Agency contacted me today at my work phone to ask me to confirm my personal information ( birthday/address/SSN ). She even left a message at my work saying it was extremely important that I call back. I told her none of the information in they system was accurate. I asked why she had to have the information and she said they were legally obligated to ask me questions. I asked if someone was trying to apply for something in my name and she would not answer. I was given no information. They just wanted me to give them my personal information, which I did not give. They called me at my work to collect this information which is unacceptable and harassment.
I got a letter two days ago from American Express ( two addressed were on the letter : XXXX, NJ was on the letterhead and XXXX  XXXX, FL was on the bottom ), stating I owed {$37000.00}. I have not had an American Express account for many many years. I have not had any communication with AE for years and my credit reports do not provide any evidence of it. I could not get an account now if I tried since a few years ago I got health issues and would certainly not be approved for any credit. 

The statute of limitations for any earlier amounts would have been way beyond any collection efforts and this threat to avoid collection activities is unethical and illegal. I will be sending them a certified letter, but would like this notes and followed up for company censure.
GC Services - Partnership from XXXX, Texas XXXX has been calling my family members and friends in an attempt to collect a debt. They call daily and leave a message asking to have XXXX ( me ) call them back. They told a family member that they have the number listed as an alternate number ( I have NEVER listed my family as alternate contacts ). They have called a minimum of XXXX different family members about this and wo n't stop.
I purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with Equifax and  XXXX  are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.
I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for Trans Union, XXXX, and XXXX. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with Trans Union, XXXX, and XXXX to have these accounts removed from my report as the information is no longer valid. Trans Union, XXXX, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by Trans Union, XXXX, and XXXX within this amount of time and this resolution is completely inaccurate.
I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX  with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.
In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX  and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau XXXX. I also had another loan with XXXX  that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
the company have received the identity verification documents and has closed the account and no longer reporting but Equifax continued to report negative.