WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX. sent me a " settlement offer '' for a debt that I had never received a bill for. Since I was attempting to get financed for a mortgage I accepted the settlement rather than disputing ( in hopes to keep the debt off my credit report ) and sent a check for {$210.00} ( the settlement amount ) on XX/XX/XXXX. The check cleared my bank on XX/XX/XXXX.The back of my check had a stamp stating " For deposit only : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pendrick Capital ''. On or about XX/XX/XXXX, I received another " settlement offer '' from XXXX XXXX XXXX XXXX XXXX. This one was for $ {$140.00}. Assuming this must have been a mistake as the account had already been paid in full and I had the cleared check as proof, I took no further action at that time. In XX/XX/XXXX, I saw that the account showed up on my credit report marked as collections and unpaid. I disputed this 2 of the 3 credit  agencies. XXXX removed the account. XXXX validated the debt. At the end of XX/XX/XXXX, I received a " verification letter '' regarding my debt due to XXXX validating it. This letter also requested me to " remit payment immediately ''. On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX. regarding this and spoke to a XXXX XXXX. This man told me I never paid him. I explained to him that I had proof of payment. He asked me who I wrote the check to. I told him I wrote the check to the Company listed on the settlement offer that I received from XXXX XXXX XXXX, which was " XXXX XXXX XXXX ''. He said " well that 's the problem, you did n't pay us so we do n't have a record of payment, you can either pay us or prove you paid Pendrick '' The  check that I sent for payment was mailed directly to XXXX XXXX XXXX using the address and information that was on the settlement offer. The back of my check is stamped by XXXX XXXX XXXX. This man repeatedly told me that I was lying and that they received no such payment and that they were not affiliated with XXXX XXXX The first settlement offer and the second settlement offer equal the total debt due ( XXXX XXXX XXXX ) It is my belief that they were attempting to scam me to get all the money. The settlement offers are both very different formats with the first one referring to XXXX XXXX  as Debt Recovery Solution 's client and a full back page of a privacy statement regarding XXXX XXXX. The second settlement offer has XXXX XXXX listed on the front and refers to the offer as a " sale '' but offers no information regarding XXXX XXXX.
To date, They have not removed or corrected the collection information. They are falsely reporting me as an unpaid account every month to the credit agencies and they are still trying to collect money that was already paid. I have both settlement letters, the front and back of my check proving payment, the supposed debt validation, and the letter I faxed in an attempt to resolve this.
XXXX account was previously deleted from my consumer reports. XXXX was reporting unsubstantiated information and was therefore removed. Upon checking my credit. I noticed that the credit reporting agencies also re-inserted the XXXX account. The fair credit act says that the reporting agency must notify my in writing 5 days before re-inserting the items on my credit. FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( CONTINUED ) I have not received any information from the reporting agency as to the steps taken to verify the validity of the account.
I KNOW THAT THESE PEOPLE HAVE THEWRONG PERSON BECAUSE THIS IS NOT MY DEBT AND SO THEY SHOULD NOT BE CALLING BE BECAUSE I HAVE SENT LETTERS STATING THAT THEY NEED TO STOP.
We have a loan at Titlemax here in XXXX Tennessee we never been late we did have our pay day moved because we only get pay on the XXXX. This month I went to make a payment the loan is in my wife name we have XXXX loans on her car I make XXXX payment she makes the other. This month however as I went to make a payment they had moved and would n't take a debit card payment I do n't carry cash with me. So I made the statement I do n't carry cash and I will try to get back one day that week to make a payment. The XXXX guy who claims to be a manger said I had until Wednesday to make the payment I said once again I will be back one day this week again he said you have until Wednesday to make a payment I ask him than what you going to take the car throw me in jail beat me up. He never would say what would happen he was just a XXXX finally I told him if he came and took the car I would sued his XXXX. I walked outside to leave he follow me out and told me not to come back that XXXX could come and make a payment I told him we both made the payment and he did n't have to be just a XXXX. I call Corporate finally and the district manager called me back and he said I had 31 days being late before they could come and get the car. My wife finally went and made a payment and the guy told her I was cussing in front of customers. That is a lie from XXXX there was no customers or they was invisible ever XXXX else the employees was out to lunch but XXXX guy, I will tell him to his face he is a XXXX liar he bully me threaten me and cuss me out he had no right to do this. 

The car finance is in XXXX name XXXX XXXX
Account Name : XXXX XXXX ( XXXX ) I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me with sufficient information.The company responded by sending me a copy of an old bill from the original company I had services with that had no other information on it stating they were authorized to collect on it. The old bills don't match the amounts that are being reported on my credit report. They also didn't provide proof that they are authorized to collect on a debt. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX sent {$150.00} to Professional Credit Services, " collections ''. {$100.00} of it was paid to Professional Credit Services, " collections '' in XXXX XXXX. {$60.00} was paid to XXXX XXXX XXXX XXXX XXXX. XXXX did not recognize this payment until XXXX of XXXX. They sent the payment of {$60.00} to the collection agency in XXXX of XXXX. The collection agency and XXXX are requiring me to pay interest on the balance previously paid. XXXX had the funds for almost 4 years. They reported the full amount on my credit report for 4 years. I made XXXX aware of the issue, they paid the collection agency XXXX XXXX, and the interest is now on my credit report. I asked XXXX to pay me the interest or write off the interest and they wo n't. The interest is {$17.00}, it is not the amount but the lack of reconciling my account for 4 years and than demanding interest on money they had all along. XXXX owns the debit, the collection agency did not purchase the debit. From my point, this needs to be removed and back dated off my credit report. I have contacted both XXXX and Professional Credit Services and both will not release the interest on money they had for 4 years. I would like to see both these companies fined for abuse of my credit report. They both are aware the money was paid 4 years ago and are still demanding interest not earned due to the lack of reconciling my account.
ACCORDING TO THE CFPB -- REGARDING HARD INQUIRY ANY RELATED INQUIRIES MADE WITHIN A 14 DAY TO 45 DAYS WILL COUNT AS ONE INQUIRY.THIS ALLOWS YOU TO FIND THE BEST DEAL ON A AUTO LOAN. 
THIS WAS NOT APPLIED TO ME? I FILED A COMPLAINT TO HAVE THIS CORRECTED AND I WAS TOLD " THEY CAN NOT REMOVE INFORMATION ON MY CREDIT REPORT '' WHICH I DID NOT ASK THEM TO DO. I WAS REQUESTING THAT THE RELATED INQUIRIES MADE WITHIN THE 14 TO 45 DAY PERIOD BE COUNTED CORRECTLY AND CHANGED. IF THIS IS THE RULE, WHY DOES THE CREDIT REPORTING AGENCY NOT RECOGNIZE THIS AND APPLY IT TO ME.

ALSO I MUST ADD ... .THERE SHOULD BE A LAW THAT LIMITS THE AMOUNT COMPANY 'S A CAR DEALER CAN TRY TO FIND TO FINANCE A CAR. I WOULD THINK AFTER THE FIRST 10 WITH NO LUCK ... .SHOULD BE A RED FLAG ... .SELLING A CAR TO SOMEONE WHO CA N'T AFFORD IT, SHOULD BE CONSIDERED A PREDATORY LOAN, KNOWING THEY ARE SETTING UP SOMEONE TO FAIL SHOULD BE A CRIME.
I contacted Citibank on various occasions asking them to verify the debt they claim I owe and disputing the amount due. I also asked that they honor the repayment plan they made with me but they closed the account before I was able to send a payment. I wrote to them on all these occasions and received no response back, ever. In fact, several months passed and still no replies. I advised my credit bureau of these efforts and they refused to remove it from my credit report even though I provided them with records ( registers/certified mail ) and copies of the communications. Only then did Citibank respond to the letter.
I had a doctor visit with XXXX XXXX at the XXXX XXXX on XXXX XXXX of XXXX. On XXXX XXXX XXXX the XXXX XXXX sent out the bill to be paid. My heath equity company received the bill on XXXX XXXX XXXX. I then process it in my account to be paid and a XXXX card was sent to the same XXXX XXXX that other payments have been mailed to from XXXX XXXX. That XXXX card was sent out on XXXX XXXX XXXX, that payment was never processed by the XXXX XXXX or XXXX XXXX. On XXXX XXXX XXXX my XXXX XXXX company saw that payment had not been processed yet so they issued a check and sent to the same XXXX XXXX XXXX They check was never processed by the XXXX XXXX or XXXX XXXX. The XXXX XXXX issues all bills to AR Services after they have n't been paid. AR Services contacted me via phone and sent me mail that I had an outstanding bill to be paid. I contacted them several times saying this bill had been paid that the XXXX XXXX had been issued a payment and gave them the date of XXXX XXXX XXXX that it had been mailed. They were supposed to be in contact with the XXXX XXXX to confirm they had received payment. To my knowledge this had been taken care of. On XXXX XXXX XXXX I had my credit pulled to be pre-qualified for a home loan. It showed on there that A1 Collections had two different collections on there for {$130.00} not being paid to the XXXX XXXX for that doctor visit. If it were n't for me trying to be pre-qualified I would have not known that I had been sent to collections. I contacted A1 services that same day to ask about this and ended up paying the full amount to settle it. I have attached documentation that XXXX payments were sent from my health equity account for this to be paid back in the beginning of the year.
Navient XXXX This companies phone system is purposefully misleading, hangs up on students trying to make payments, and purposely does n't provide a way to get ahold of a representative. I think their practices are designed to mislead and postpone students trying to make payments in order for them to collect late fees. If they secured the right to service these loans then they are obligated to provide a CLEAR way for students to make payments and address issues. They should be penalized for their failure in this area just as ( I 'm sure ) they penalize XXXX students who are trying to pay their loans in good faith, but are unable to due to their policies.
I have a paid collection account that was closed on XX/XX/XXXX from the Department of Veterans affairs on my Experian credit report that's showing a " failed to pay '' as of XX/XX/XXXX. I disputed the account in XXXX, XXXX but wasn't successful. I contacted the creditor ( Veterans Affairs ) in  late XXXX, XXXX to see if they could send my account information to Experian to let them know that the account was closed and paid in XX/XX/XXXX, the creditor sent the information to Experian and that was unsuccessful. The original amount was {$460.00}. not including the penalty. The amount I paid was {$600.00}. 

When a dispute is filed, Experian updates the " failed to pay '' as failed to pay XX/XX/XXXX, failed to pay XX/XX/XXXX and so on.
Hi, I had a hard inquiry on my credit report from a third party ( XXXX ) who according to them was making the inquiry on behalf of my student loan company ( XXXX XXXX XXXX XXXX ). I do n't even think I have a loan with this company unless they go by another name, but I have not defaulted or paid late at any point and they never notified me about reasons to check my credit report. Around the same time I was looking for apartments and my credit score went down due to the hard inquiries from the student loan and my landlord. Is the student loan company allowed to do this for no reason and without notification?
I mailed a letter on   XXXX   XXXX   XXXX     certified mail stating the year of birth was incorrect. I also sent in proof with this lette r ( I dentification card, birth certificate and social security card ). I received a response back on   XXXX   XXXX   XXXX     stating they have reviewed my concerns and the information is correct. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 (  b ) (  2 ) and 611 ( a ) ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the wrong birthday that does not belong to me.. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
My brother 's mortgage has been on my Experian report for some time now, efforts to reach experian via phone end up with me hanging up in frustration because I can never get to a live person to find out what i need to send in to fix the issue. This has caused several attempts at applying for debt consolidation loans to be declined because of this inaccurate reporting.
OnXX/XX/XXXX, I tried a number of times to contact XXXX XXXX XXXX to initiate a security freeze both online and by phone. In all cases I was disconnected or the information online did not load. I currently have a membership with Experian for {$24.00} per month and have had it for several years. On one occasion a couple of years ago, I tried to cancel my membership with the same results ( the phone would disconnect ). At the same time, I had to change the credit card I had used to pay for their service so I decided just to not inform them however they automatically began to charge the membership to the new card. Rather than continuing to try to cancel membership, I just let it slide until now. On XX/XX/XXXX and onXX/XX/XXXX, I called multiple times to call the number they provided to cancel membership and except on one occasion, the call was just disconnected. The exception was that I received an automated response noting a high volume of calls and the put me on hold for 45 minutes. I finally hung up.
frequently offline and unable to pull my score from equifax even though i pay a monthly fee for this privilege. this has created numerous issues.
To Whomever This May Concern : My name is XXXX XXXX XXXX. Diversified Consultants has reported a collection account to my credit report that doesn't belong to me. It says it is through XXXX XXXX XXXX. I have attached a police report due to fraud that I have experienced. This account is not mine. I have not ever had an account with XXXX XXXX XXXX and I would appreciate this account being removed from my  credit report asap.
On XXXX/XXXX/12 my account ending in XXXX was closed due to fraudulent transactions due to errors made by Chase. Chase allowed someone to deposit a fraudulent check in my account and immediately take the funds out of my account. The fraudulent check amount was {$3200.00}. Upon this discovery, I was told file a police report and return it to the branch. I did this, and the branch manager at the time told me everything was ok, and my account was closed with a balance of {$0.00}. This was fine, but years later I find out after trying to open an account with another bank, that I could n't because Chase has reported on my XXXX consumer report that I failed to maintain my account XXXX. In fact, Chase has on my consumer report that the account was closed due to insufficient funds totaling in the amount of {$3200.00}. Not only is Chase violating consumer reporting laws, but they are also asking me to pay a {$1000.00} settlement to remove this error off my consumer report. I provided Chase with the police report # XXXX precinct XXXX but they are still refusing to remove this derogatory marks off my consumer report. The branch manager assured me my account was closed in good standing with a {$0.00}, and to add insult to injury they even told me I could open another account with Chase. Why would they do that if they claim I owe money?
Equifax failed to adequately protect my personal identifying information, then compounded the issue by failing to encrypt the data in a reasonable manner that would protect it in the event of a breach. This has led to an incredibly high likelihood that the necessary information to steal my identity has suffered a permanent exposure. 

After discovering the breach, Equifax ( XXXX XXXX, XXXX ) waited over a month to announce that the event had occurred ( XXXX XXXX, XXXX ), and then is requiring the affected consumers ( 143 million ) to jump through hoops in order to freeze their credit and protect themselves.
I am attempting to perform a refinance for dept consolidation. I was advised to address negative credit reporting from my credit report ASAP. Gold Key Credit appears on my credit report 4 times as a creditor  experiencing delinquency. I have never had an account with the company or received an invoice or anything substantiating that I have a debt to them. I am a XXXX XXXX retiree and XXXX  victim. My wife was diagnosed with XXXX a year ago and I have resided with her in XXXX XXXX XXXX ICU for the past XXXX days. It is imperative that I get negative reporting removed from my Credit Report for an improved score and my refinance approved. Reviews of the company indicate that they data mine for any outstanding medical dates and consolidate them for negative credit reporting with varying degrees of accuracy. 
I have always had superior Medical Coverage and never avoided paying a copay at time of service. It would be a great accomplishment to get bottom feeders like Gold Key banned from negative credit reporting. If someone was not paid for one of my accounts it was an error or the care provider did not document what service they performed with date and location of service to be paid by my insurance. This is the first attempt to address these 4 negative entries on my credit report.
I made two payments in XXXX the first was taken out of my account on XXXX/XXXX/15 for the current month. The second they posted on XXXX/XXXX/15 and went through my bank on the on XX/XX/XXXX and was supposed to pay my XX/XX/XXXX balance but of a {$2200.00} payment only {$100.00} was posted to XX/XX/XXXX and it was listed on their web page as a suspended payment. They still show {$2100.00} still owing for XX/XX/XXXX. There is no where on their web page to pull a statement to see how the money was applied and we NEVER receive one in the mail. I called the customer service line, and he seemed as confused as I was and admitted that I was never behind. He told me it would be fixed but could not tell me when.
My bank is Wells Fargo. On XX/XX/2018 I sent my landlord my rent of XXXX.. I used XXXX which is a money transfer service on Wells Fargo web site. I have used XXXX to send my rent for over 2 years and never had a problem. In XX/XX/XXXX my landlords account was compromised and he closed it and opened a new account. When I sent the money by XXXX in XX/XX/XXXX he did not want to accept XXXX, so he never entered his new account info. My money never made it to him, and I never received it back. 
I have filed 2 claims with Wells Fargo and spoke to an XXXX at Corporate. ( XXXX ) XXXX was not able to help me to get my money back either. I have even gone to my landlords bank, XXXX, and the lady, XXXX, put in a call to XXXX for me and I was able to speak to XXXX. ( They normally dont speak to the public ). XXXX told me because I used XXXX through Wells Fargo, they were not able to track the money. They also said, had I used their stand alone app, they would have been able to track it.no one can tell me where this money is. My landlord doesnt have it, and I had to come up with an additional {$480.00} for rent. 
Wells Fargo is not standing behind a product that they have on their website ... this is not fair! 
Please help me to recoup my money! 

My landlord is XXXX XXXX and his phone number is # XXXX. You will need that for XXXX. 

XXXX XXXX
In XX/XX/XXXX after a HAMP program modification XXXX XXXX sold my loan to SLS. XX/XX/XXXX I received my first statement from SLS stating to pay {$210.00} on XX/XX/XXXX as it indicated there had been {$1300.00} already applied toward the XX/XX/XXXX payment. I telephoned SLS as asked where the {$1300.00} came from and was informed it came over from my former lender with the escrow balance. I paid the {$210.00} as requested. XX/XX/XXXX I received a delinquent statement for the full payment amount. I telephoned SLS and inquired what happened. I was informed somebody moved the {$1300.00} to my balance and so the representative was moving it back to apply toward my XX/XX/XXXX payment. Two days later I telephoned to see if the transfer was successful and was told the {$1300.00} had disappeared. I have gone to their " executive dept '' several times and all I get was " oh there was an error ''. Recently I received a letter from SLS stating they sent the {$1300.00} back to XXXX. XXXX says they never received it. I have been past due for over one year and XX/XX/XXXX I received 4 notices of intent to foreclose. A SLS representative told me not to worry about it but there has been no notice received that SLS is not proceeding with foreclosure. I spent over one year trying to get a straight answer out of SLS about the {$1300.00} and still they have not verified they returned the money to XXXX. XXXX says they would mail me a check if they had received funds from SLS. XXXX wants a check number to track the payment on their end. Further, the {$1300.00} to the penny is showing on my XX/XX/XXXX XXXX statement as unapplied funds. So this whole " error '' thing just does n't make sense.