WillisBack/dataset-financial-user-claim huggingface dataset:
This account is being reported as it current status is collection/chargeoff and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/XXXX. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/XXXX. You can clearly see on the attached info from XXXX that the payment status switched to XXXX in XX/XX/XXXX. This account went into default and was transferred to XXXX. This does not constitute a payment and this account is being reported past the 7 year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX XXXX several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan in XX/XX/XXXX, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. I should have XXXX account ( with XXXX ) that shows that I have paid on this since XX/XX/XXXX and is current and paid as agreed status. The way these are currently being reported is that I have XXXX accounts that I stopped paying on in XX/XX/XXXX, which is not true and is painting an unfair picture. Please delete these accounts immediately from my credit reports.
XXXX report says : XXXX on XX/XX/XXXX they gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it. 

XXXX/XXXX on XX/XX/XXXX said they would soft inquiry and check if i was approved. and now it is a hard inquiry and i never even got a credit card from them.

XXXX  report says : Discover bank XX/XX/XXXX  gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$300.00} so they could give me a credit card worth {$300.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX  XX/XX/XXXX gave me an hard inquiry for a " secured credit card ''. 
i had to pay them {$200.00} so they could give me a credit card worth {$200.00}. and this secured credit card doesnt actually give me credit since i prepaid this money. Anyone can get this type of credit card and a hard inquiry is not proper for this. 

XXXX XX/XX/XXXXXX/XX/XXXXthey gave me a hard inquiry into something i never asked for and this is staying on my credit report and hurting it.
In XXXX of this year, I spoke with a representative of P & B Capital Group by telephone and made arrangements to pay of one of my creditors in 'full '. This representative was to send me an agreement to the settled amount. After several attempts to contact this individual, I contacted the company directly. The company gave the representative the complaint, and the representative continued to 'bully ' me and send me emails with boxes at the end of the email where I was to 'check ' a response. I again contacted the company. My complaint was given to another representative. This representative at first seemed sincere, and stated he would send me the requested documentation asap. Then he put boxes at the end of his email for me to check a response. I have yet to receive any information and the last contact was made on XX/XX/2018. 

This company has a negative rating with the XXXX XXXX XXXX. 

I am contacting your firm as this company is abusive, condescending, and makes promises that are not kept. 

I have attached copies of correspondence sent and received by this company. 

Please assist me in obtaining the requested documentation.
I have XXXX dollars to repay the US debt Ed I never got I call from this goverment institution saying this. I found out that i had to pay this is because I went into my email account to figure out why my credit was so low. On XXXX XXXX, 2014 this debt was applied to my credit and for so long I havnt got a call from anyone.
on XXXX XXXX, 2017 my daughter wired {$2500.00} from her Wells Fargo Account to a XXXX XXXX XXXX Account for an apartment she was planning on leasing in XXXX. After learning of the wire transfer I did some investigating and it became clear that she was scammed. I had the account number for the scammers XXXX XXXX XXXX account and called and tried to stop the transfer. I was told by a XXXX XXXX XXXX rep that the transfer was in progress and Wells Fargo needed to call XXXX XXXX XXXX to stop it.. Simultaneously, while I was on the phone of XXXX XXXX XXXX, my daughter was calling Wells Fargo to advise them of the scam. Throughout my call with my daughter I continued to text her to find out how the call was progressing. She texted back and told me she explained the situation but kept getting put on hold. Approximately, half an hour after she made the call to Wells Fargo she was told that the bank was opening a case. She was given a case number but when she called the next day, Wells Fargo had no record of the case. She had to explaining the situation again and was given a new case number. Needless to say, the money was taken by the scammer Wells Fargo did n't even speak to XXXX XXXX XXXX until XX/XX/XXXX ... one day later! Wells Fargo maintains that they are not responsible for the loss. I maintain that Wells Fargo is responsible for failing to take appropriate action and contact XXXX XXXX  XXXX while the transaction was in progress.
On  XXXX   XXXX ,  2017  i paid off  My Ally Auto loan. i waited a few weeks to inquire to Ally after not receiving my Auto title to the vehicle. I have been told 6 times from Ally customer service that the title was maile d regular mail to me on  XXXX ,  XXXX . As of today  XXXX   XXXX  i have not received the title and  all Ally will  tell me is they cant issue a duplicate title request until  XXXX   XXXX . And that  XXXX   XXXX  is just the date they can request a title to be reissued. It will t ake 3-4 week s for the reissue to take place. i should not have to wait 2 months to receive my title to my vehicle.
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
XXXX XXXXXXXX XXXX XXXX account no.XXXX  appeared for the 1st time on my Transunion credit bureau in mid to late XX/XX/2018.The original creditor had been paid 4 months before and said the collection was in error.Transunion today possess a letter from the original creditor saying the debt was paid and gave a contact number to verify.Transunion via phone call service to XXXX said they had received the document but hadn't yet ruled on the matter.I have attached here letters from the original creditor saying I do not owe the debt and that debt was paid in XX/XX/2018.SO WHY IS THIS COLLECTION ACCT APPEARING ON MY TRANSUNION REPORT IN LATE XX/XX/2018 AND WHY DIDN'T TRANSUNION DELETE IT IMMMEDIATELY AFTER SPEAKING WITH ME TODAY. 
CFPB PLEASE PUT THESE COMPANIES ON YOUR WATCH LIST FOR LEGAL ACTION.THEY HAVE DESTROYED MY CREDIT WITHOUT THE RIGHT TO DO SO.
Telerecovery contacted me about several hospital bills. I asked for them to send me a itemized bill and the specific dates. They explained to me that they didnt have an itemized bill just a amount was submitted by a physician. I didnt feel comfortable paying for something without proof. I go on to tell representatives that without proof, I wont pay them over the phone. The representatives began to say how legal action will be taking against me. But they can lower the amount owed if I agreed to pay them today.
I requested validation of this debt XX/XX/XXXX and this collection agency sent a letter in response that they were deleting it from my credit report, however when I got the results from my dispute the account still remained on both XXXX and XXXX. I sent in a copy of the letter received stating the account would be removed to both of these bureaus and still they are saying that Enhanced Recovery is verfying the information to be correct. This makes zero since being that they have put in writing they were removing the account. As you can see the deletion letter is dated XX/XX/XXXX and the XXXX credit report is dated XX/XX/2016 and when XXXX verified this information they had a copy of the deletion letter on file.
I had reached out to XXXX over an outstanding debt of {$100.00} that they did not respond to my attempts to clarify if it was actually owed. They gave the debt collector my information yesterday, he called me 4 times today, my husband twice at work, and sent 3 emails one stating how disappointed he was that I did not pay my debt! I said I already settled it with XXXX and sent them a check, and he is repeatedly checking with them and telling me I paid nothing. I had to block his number. I received nothing before today from Caine & Weiner out of XXXX prior to this afternoon when I got so many phone calls and harassment, he then started sending all capital letter emails clearly stating that he was getting angry. This is NO way to treat a debtor, I was a XXXX and did XXXX for 7 years and I would never treat someone this way, let alone over a debt of {$100.00}!!!
The access to medical services ... and the billing of said services to me ( per this false debt reporting ie., ) was covered under XXXX XXXX XXXX / XXXX XXXX . This so - called medical debt reporting, that is ancient as well, is not valid.Period.
I contacted TD Solutions LLC at XXXX XXXX XXXX address being XXXX XXXX XXXX XXXX XXXX, IL XXXX and I spoke with a representative by the name of " XXXX '' I reached out to the agency after viewing an amount owed on my XXXX I contacted the agency to resolve the debt and to setup a payment arrangement. I was not advised that the call was monitored and or recorded by the representative until after she had asked me for numerous pieces of personal information nor was I advised of the Miranda warning. I was only advised " this is an attempt to collect a debt '' I had stated to XXXX that I am currently unemployed and in severe financial hardship and I can only afford {$25.00} a month but that I am willing to pay, the representative then told me that in order to accept that I had to give them {$250.00} as a down payment I told her I was not able to afford that, at that point she said she could n't accept {$25.00} and I would need to pay what she was telling me and I would need to call back when I can afford that. I then asked to be transferred to a manager she said I would have to leave them a voicemail I advised her I wanted to speak with a live manager or a team lead if a manager was unavailable she told me my only option was to leave a voicemail then she continued to speak over me cut me off when I was talking and then hung up on me. I attempted to contact the agency back to speak to a manager but was unable to get ahold of anyone.
I am enrolled in XXXX, the free service provided by Experian due to the data breach, I was one of the affected customers. I logged into my account and there is a hard inquiry that I did not initiate or authorize, for a rental company based in XXXX, MA. I am a homeowner in NY. I attempted to resolve this online with Experians dispute process. Their website shows that you can not despite inquiries online and provides a phone number to call. I called that number : there is no option for a dispute. I repeatedly said dispute and dispute inquiry on the recorded line, and this answer/option was not available. This in and of itself is a huge consumer issue : direct the consumer to dispute fraudulent, identity theft inquiries by a phone number, and then that phone number does not offer that option. Pressing 0 and attempting to speak to someone was also not an available option. That number is XXXX XXXX. Then I called Experian customer service main number. tel : XXXX. Again, disputing an inquiry was not an option in the automated system, and pressing zero or attempting to speak to someone was not accepted. This is also a major legal issue. Hard inquiries impact my consumer credit score. Experience should not be permitted to not provide any way- online or via phone - to disputed inquiries.
I called the original company who I had the debt with and was told I was no longer in their system and I should call the collection company. I called the number listed on my credit report for XXXX Collections but the number was no longer in service. Then, I noticed that this same open collection with XXXX was closed in XXXX 2015, on my credit report. I have never received any calls or letters from XXXX. I would XXXX to see if this can be permanently removed from my credit reports.
Pinnacle as they do with so many consumers fail to address the issue at hand and think that simply proof that a debt accures is sufficient evidence to ruin people lives. Pinnacle has an F rating with the XXXX and they no longer except rebukes from Pinnacle for this reason
I asked them not to call my work twice now in writing. They have called my work 4 times within the last 5 minutes. The number they are calling from is XXXX.
While checking my credit report I noticed XXXX medical collections. I disputed these debts reported by XXXX for 1.XXXX 2.HEALTHCARE COLL I LLC. I never received any information about these alleged debts and despite disputing them with the credit reporting agencies they did not verify the accounts however they still remain on my credit report. I never received any notices to dispute by the collection agency.
I had moved out of the Property in XXXX due to a job in a different city. I attempted to sell in XXXX, I bought in XXXX so the Property 's value was severely under water. I applied for a short sale through Chase. I was expressly promised a short sale was approved several years ago. I had several offers fall through due to Chase 's failure to timely respond. After losing several offers, it came to Chase 's attention that they need FHA approval. In a letter dated XXXX XXXX, XXXX Chase indicated that the short sale was denied due to a " second lienholder '' not approving. There is no second lienholder. Chase 's failure to properly respond for years has caused me continual decrease in my credit score.
Our original mortgage servicer was with XXXX. We were in the middle of being approved for a modification when our mortgage was sold to Residential Credit Solutions in XX/XX/XXXX. They requested that we start the modification process over, which we did. They requested our income and tax information one at a time which delayed the process. We had to call continually to get updates, only to be told that they did not have documents that we had already sent in. They then sent us a statement saying that we had an escrow surplus, which we never received. Next, RCS sent an appraiser out around XX/XX/XXXX, paid the home insurance for the XXXX year without notifying us, while no longer accepting our payments. Throughout XXXX, we continued to follow up on numerous occasions to see if we have been approved for the modification, only to be told by the mitigation rep that our account needed to be sent to the underwriter for review. The results of that review never came, instead, we received a letter from their attorney in XX/XX/XXXX stating that they had been retained to initiate foreclosure proceedings. 
Residential Credit Solutions failed to honor the trial loan modification that we entered with XXXX. Instead of honoring the previous agreement, Residential Credit Solutions insisted that we re-prove that we were qualified. By refusing to honor the previously agreed upon loan modification, Residential Credit Solutions effectively set us back as though we had not received a trial modification. This prolonged our loss mitigation. Residential Credit Solutions ' actions put us in loan modification trial period purgatory and confused us about the status of our modification, making it difficult for us to take the appropriate action. 
We ended up losing our home in XXXX. We were sued by the home owners ' association for {$2700.00} after we were foreclosed on which resulted in a garnishment of wages. Our credit was ruined and the foreclosure is still on our credit today preventing us from obtaining another loan. It has caused stress on our marriage and required both of us to take time off work. We were subjected to collection calls, late fees, and default and delinquency notices.
My mortgage company send employees to my front door to deliver past due notices and notices to contact servicer. I already speak to them via telephone and respond via mail from servicer. I 've never heard of mortgage companies being allowed to come to your front door almost weekly to hand deliver notes to call servicer or past due notices. Especially when I am currently going through modification process.
I want Ocwen to remove the balance I do not owe. 
I do not owe them for the money I already paid to other servicers. 
I want them to refund the money I just paid for the escrow on XXXX other properties in which they have no security interest and the XXXX payoff balance of the XXXX that was foreclosed in XXXX and the {$57000.00} down payment I made in XXXX. 

I have paid all of the principal interest taxes and insurance on a 30 year loan I want them to realease my lien and refund the money I did not owe. 

In addition they have nothing in writing for a new loan. 
I have paid all of the balance of the modified loan I have paid all of the escrow on XXXX properties ... twice. 

They can use the escrow they had no right to pay to another property to pay my insurance and the escrow shortage and refund the remainder
The collection agency did not provide me with an understandable explanation of the amount they claim is owed. They have placed the account on my credit report as disputed, but it still affected my credit score. No resolution has been met.
We sold our house and paid off a second loan to Wells Fargo and although our loan was current and previous statements from them stated a zero balance due after each payment, they took {$2500.00}. in excess of the payoff amount. I feel they saw all the money coming in from the sale and decided to grab some extra. They could not provide a detailed explaination for this other than " interest is paid forward '' I want them to refund my money and want to stop them from this behavior.
Below is a description on my complaint. It is the text of the letter I sent to parties listed below on XX/XX/XXXX. I have received numerous billing statements from XXXX XXXX and I have not received a bill from XXXX XXXX XXXX XXXX. 
XXXX ATTN XXXX XXXX, Collection Department Manager, XX/XX/XXXX XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX, Account Representative XXXX XXXX XXXX XXXX - XXXX, MT. 
DBA : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MT XXXX XXXX ATTN Billing Department Manager, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX XXXX Under false pretenses, willfully and knowingly XXXX XXXX XXXX XXXX MT ( DBA XXXX XXXX ) opened a fraudulent account as reported by XXXX  and XXXX using my name and included an unsubstantiated claim for " unpaid '' in the amount of {$17.00} on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. Additionally XXXX XXXX XXXX ( DBA XXXX XXXX ) continues to willfully and knowingly violate the Fair Debt Collection Practices Act ( FDCPA ) and harass me with repeated attempts to fraudulently collect money on this unsubstantiated claim. These actions are an unlawful attempt to commit fraud, extort money from me, and damage my name and credit rating. 

I have made every effort to : 1. work and coordinate with my insurer XXXX, XXXX , XXXX , XXXX , XXXX , and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( DBA XXXX XXXX ) to facilitate and expedite satisfaction and closure of this matter since XX/XX/XXXX 2. show and reiterate on numerous occasions that XXXX XXXX   XXXX XXXX XXXX XXXX XXXX did not bill my insurer for services provided on XX/XX/XXXX at XXXX XXXX XXXX in a timely manner. My insurer waited more than six months without being billed by XXXX XXXX XXXX XXXX XXXX, XXXX 3. show that once XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted and billed my insurer, all claims due were paid with no outstanding monies owed. XXXX XXXX XXXX XXXX XXXX, XXXX was provided multiple statements of remittance ( on XX/XX/XXXX and XX/XX/XXXX ) which clearly state and serve as record evidence that all claims were paid by the insurer and these records further indicate that there never has been co-payment due for the beneficiary and there is no money owed by the beneficiary to XXXX XXXX XXXX XXXX XXXX, XXXX. 

In sum, I owe no money and never have owed any money to XXXX XXXX XXXX XXXX XXXX, XXXX. However, XXXX XXXX  XXXX XXXX ( DBA XXXX XXXX ) has violated my rights and protections under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. giving false information about me to credit reporting companies including XXXX and XXXX 2. making repeated false written statements indicating I owe money 3. conducting unfair practices in attempt to collect money from me
Bought a lawnmower from Lowe 's zero interest for 6 months, received first bill and noticed it was to be sent to Lowe's/Synchrony bank in XXXX, FL so sent payment right away received second bill and sent it right away did not receive third bill and did not notice until I received a bill the next month and a {$25.00} service charge had been added did not receive a bill the next month which was XXXX but did get call XXXX XXXX from Synchrony ( a foreign person who was very hard for me to understand ) saying I was in arrears again and would be assessed another {$25.00} if I did not pay by credit card or at the local store that day or the next so told her I would. I did pay at the local Lowe 's the complete loan as can not afford to pay a {$25.00} service fee each month. Then I went online especially XXXX and found XXXX ratings on there with a XXXX star rating and most with same problem I have had with them. I think this company ( Synchrony ) of XXXX, FL needs to be looked into.
I just moved to the US and have a 1 month old SSN. Experian that was asked by my bank for a credit report won't provide them with any information. I also can't create an account, since I lived here for less then 6 months and for this reason they ask for my previous address, which was outside the US, while they only accept US addresses for this. Furthermore, I can't reach any human on the phone numbers that they provide, only unhelpful computer voices with a handful of choices that all want me to just go to their website and log in ( which I obviously can't do ) and then directly hang up on me.
I have XXXX requested that my file be updated to reflex that the negative entry be removed. It was included in my Discharge Chapter XXXX, dated XXXX XXXX XXXX. 
Experian keeps saying that the report is valid.