WillisBack/dataset-financial-user-claim huggingface dataset:
Submitted a dispute regarding a collection listed on the report that was paid to the original creditor. The collection agency is stating the information is correct when it is not. I have submitted a receipt from the original creditor and it still is not being corrected.
This is in connection with a closed complaint XXXX filed on XX/XX/XXXX regarding XXXX. 

The initial complaint was regarding XXXX selling my private student loan to XXXX XXXX but continuing to report to the credit bureaus for nonpayment. XXXX has since responded with a letter they said they sent me indicating XXXX XXXX will begin servicing my loan beginning XX/XX/XXXX ; however, I've called XXXX XXXX several times and they do not have any information about me or my account. They have no history, nothing current, nothing closed, or nothing pending. My name isn't in the system, my account number, my loan balance, no information at all. However, XXXX has also indicated XXXX reported to the credit bureaus on they're behalf ; but XXXX does not have any account information of me to report. So who is reporting to the credit bureaus if it's not XXXX as the financial service XXXX sold my account to? I have not been able to pay my student loan or make arrangements due to this issue. XXXX doesn't have my account and XXXX didn't have the account. But someone continued to report nonpayment! 

According to XXXX " After the transfer, XXXX began reporting on your student loan on XXXX 's behalf. '' According to XXXX, they don't have my account information and are unable to report any information to the credit bureaus. They have never had my account information. 
XXXX has reported nonpayment to the credit bureaus on a consistent monthly basis ; but has indicated it was not them reporting ; but XXXX. 
XXXX has once again affected my credit score by reporting a closed account and non payment during the month of XX/XX/XXXX as a result of his complaint. 

I also never received a notice from XXXX that they would be servicing my loan as indicated in the letter from XXXX in XXXX.
Me & my father share the same name I 'm a XXXX and he is the XXXX. I have never had a XXXX bill in my name I believe that the current collection agency has mistaken me for my father. I have sent out XXXX validation notices to Stellar Recovery and have not got any response it has been more that 45 days.
In XXXX 2011 I requested a deferment of my loans due to being diagnosed with XXXX and not being able to make payments. The deferment was granted, but I made a mistake on paperwork which resulted in delinquencies being reported. When I realized this, I contacted Nelnet. Nelnet agreed that the months reported as late would be corrected and my deferment would be retroactive. I recently learned that this never happened. I filed a dispute with the credit agencies, but the dispute was denied by Nelnet.
I received and activated Barclay Arrival Plus on XXXX XXXX 2016. I had a transaction on XXXX XXXX 2016 with posting date as XXXX XXXX. And today XXXX XXXX 2016 I just found out that I had to meet the required spending within 90 days from the " APPLICATION DATE '' but not the the date I received & activated the card. It took Barclay 2 weeks to mail me the card. But the rep would n't budge and stuck with application date XXXX XXXX and not the date I received the card. Perhaps next time for for future customers Barclay needs to overnight the card at no costs to customers so they have time to meet the required spending for the sign on bonus.
I.C. SYSTEM Inc. a third part debt collector for XXXX XXXX XXXX is reporting two collection accounts on my credit bureau. 

1. Both collection accounts are for the exact same amount {$260.00} 2. Both collection accounts are for XXXX XXXX XXXX XXXX 3. Both collection accounts are dated XXXX XXXX, 2017 4. I do n't owe XXXX XXXX XXXX XXXX 5. I had XXXX XXXX XXXX XXXX 5 years ago 6. No one will provide any contract or proof I owe this debt. 

These two incorrect collections accounts for the same amount have destroyed my credit score.
On XXXX/XXXX/2017, at about XXXX XXXX they contacted a relative and shared personal financial information including my name, social security number, amount of debt, and nature of debt with him without permission or confirmation that they were speaking to the right person. The relative repeatedly told them that he was uncomfortable sharing or confirming my financial information. XXXX shared significant financial information with him.
I opened a PNC checking account ( performance select account number XXXX ) on XXXX XXXX 2016 in a local branch with a workplace promotion of {$400.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.
My home was foreclosed on Penny Mac through XXXX attorney 's at XXXX. I have requested the documents from Penny Mac which was suppose to provide me notice of the foreclosure, which I never received. My job takes me from XXXX to XXXX however, I was laid off and requested assistance which Penny Mac refused to provide and kept referring me to the Attorneys Office. The law states I was to have a certified letter giving me notice no letter was received either by Penny Mac or the XXXX law offices.
My account with XXXX XXXX XXXX is reporting to the 3 credit Bureaus as closed. This account is Open and current. 

I had contacted the company they wanted my credit reports faxed to them showing that my account shows closed. I did that. I even disputed with all 3 credit bureaus and they updated my accounts to still show closed. 

This is violating all my rights under the Fair Credit Reporting Act
A collection showed up on my credit report from " Allied Collection Service '' in XXXX XXXX, NV ( original creditor XXXX XXXX. After numerous attempts to get Allied to remove collection from my report at the directive of XXXX XXXX the agency hung up on us, then told us to contact the 3 agency 's directly and laughed. XXXX XXXX had tried very hard to help and the finance manager for XXXX had personally called Allied directly to resolve the issue only to be hung up on. XXXX XXXX has detailed notes in the system of the last 2 days of actions. 
The chief compliance officer for Allied Collection Services went as far as to yell that I had a false statement and I was pretending I had a Lawyer. XXXX XXXX XXXX XXXX. ( Attorney at Law ) my attorney for years contacted them and let then know that they were not complying with the request of the original creditor. 
XXXX XXXX has also said they they will take the actions of the agency under review and might terminate the contract because of the behavior and defiance of the management and officers in reference to the unethical way they treated both the XXXX XXXX employee 's and myself. 
Please take my appreciation and thanks in advance for any and all help you might be able to provide. 

XXXX XXXX XXXX
I was contacted by XXXX XXXX of Citibank 's Office of the CEO and President ( she reports to XXXX XXXX ). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with XXXX today, she indicated that I only had XXXX days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by FICO to be reduced significantly and now I am XXXX points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do XXXX of the following : -Restore the credit line to the original limit without pulling additional inquiriesor-Remove the tradeline from the Credit FileThis is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $ XXXX to put down. I making over $ XXXX a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!
Our lender, United Wholesale Mortgage ( UWM ), has had problems from the beginning. It took nearly 3 months for them to be ready to close our loan! The night closing was scheduled, my husband and I discovered that they made a typo in our payment information, and doubled our property taxes, using the yearly rate for the half rate. After discussing the problem with our title agency and our broker that night, we decided to go ahead and close, ( this was XXXX/XXXX/XXXX ) and then just receive the refund on the escrow account once it was recalculated in XX/XX/XXXX. When I received the escrow notice last month, however, I was stunned to find that rather than including a refund check, UWM stated that we owed an additional amount due to an escrow shortage!!! Our taxes, according to the county tax auditor, are to be {$1800.00} a YEAR, and UWM was stating that we now owed something close to {$6500.00} a YEAR. When we called UWM to sort this out they informed us that they have on file that we also " own '' the XXXX adjoining parcels to our property, and thus were trying to collect taxes on them, also. They even sent a check to the county, who promptly rejected it and returned the funds to UWM ( since the rightful owner had already paid the taxes for that year ). We have been attempting to get UWM to correct this, refund our overage, and recalculate our escrow account since XXXX/XXXX/XXXX ( but remember, the original mistake goes back to XXXX/XXXX/XXXX ), and have not had any success whatsoever. You can clearly see on the title, the deed, the county map, and all corresponding paperwork that we only own a single parcel, but that has not been sufficient to please UWM, apparently.
On XX/XX/XXXX i was contactacted by XXXX XXXX about two accounts i had in collections. Ispoke with XXXX XXXX about taking care of the accounts. He told me he had a settlement offer for me. I said i didnt want to take a settlement if they were going to report to the credit Bureau that i paid less than the full balance. He told me if i set up payments and made all the payments on time he would report to the credit Bureau i paid balance in full. All payments were made on time and I fulfilled my end of the agreement. XXXX XXXX has now reported to the credit Bureau that i settled for less than the full balance. I contacted them on XX/XX/XXXX and ended up speaking with operations manager XXXX XXXX, who told me that i made a settlement and that their representative had miss spoke about the agreement that was made. XXXX refused to listen to the conversation that we had and repeatedly told me i was wrong. She stated multiple times that the representative had not worded the conversation properly and refused to help me. I specifically told XXXX that i didnt want to do a settlement if they would report that i paid less than the full balance. He assured me that he would report i paid in full. He talked me into taking the deal by misleading me in their end of the agreement. Exactly what he told me wouldnt happen did. XXXX XXXX refuses to live up to the agreement made and now refuses to help resolve the situation.
Basically I have problem with a debt collector named First National Collection Bureau Inc ( FNCB ) ( scan enclosed ) for my alleged debt. My alleged debt charged off date, according to FNCB was on XXXX XX/XX/XXXX. Today is XXXX XX/XX/XXXX. The status of Limitation for XXXX and XXXX where I resided have long gone out. ( scans enclosed ). 

Also enclosed are several scans of my credit score and report obtained through XXXX, in which I have a very good credit report. I do n't know why FNCB sends me an alleged debt that has been removed from my credit report long time ago. Please tell them to stop sending me unlawful collection note.
Regions Bank is reporting a fraudulent credit card account on all three of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Regions Bank several times, and requested investigations. All XXXX credit bureaus informed me that Regions Bank verified and confirmed that the account belongs to me. I have not received any proof or documentation from Regions Bank that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
For the second time, Mr. XXXX XXXX has engaged XXXX to attempt to collect on a debt for which I do not owe but rather for which the said company found in, '' My favor '' back on XX/XX/2018 ( XXXX ) in the amount of {$610.00}. To wit, Mr. XXXX could not accept that decision and now is trying to collect on the same amount for reasons of " faulty merchandise '' to which he did not think of until three months after his " consumption '' of the a XXXX XXXX in XX/XX/2018. This is a bogus claim and needs to be dismissed as it is creating a HOSTILE AND ANTAGONISTIC situation for my business operation. In essence, Mr. XXXX is trying to impede my use of XXXX as method of payment with this bogus claim.
FACTS : withXX/XX/XXXX for 12 Years. <P/>Every Two Years Had to fight to keep my bill from Spreading like ....
I am extremely disappointed in the " 100 % Bill increase each and every two years, '' they try to get over on consumers. This is very bad business practices disclosed or not. <P/>Before my contract is up I have to tell XXXX, I am leaving in order to get back a closer rate. My contract was coming to an end back in XX/XX/XXXX I had called them several times before that date to try to get my bill under $ XXXX month. <P/>When I saw XXXX XXXX ad and I left forever. It was exactly what I was experiencing with XXXX. <P/>I Switched over to XXXX - ( No Contracts ) I was send to Convergent collections for Agreement/ Contract breech by XXXX . <P/>I requested the Tape Recordings from XXXX on the day that they claim I was locked in another 2 years. I called XXXX yesterday and was forwarded to collections. I gave my personal information to Convergent Including my SSN to stop this matter on XX/XX/XXXX. Convergent told me I was not in the system on XX/XX/XXXX. <P/>
The next day XX/XX/XXXX I started receiving calls from Convergent. I was told they are attempting to collect a debt. I told them do not call me ever again but rather put it in writing only. Additionally, I told them dispute the amount and that I wanted proof of the contract by tape recordings with XXXX. I 've asked XXXX on four separate times for the proof of contract extension. <P/>I filed a BBB complaint yesterday when this still went unresolved. New York BBB. Complaint # XXXX on XX/XX/XXXX I will sue in small claims court each party separately if this matter is not closed. <P/>I am documenting each step of the way as I build my case against XXXX and the Collection company if need be. Please let both companies know there potential liabilities. <P/>Respectfully Yours, XXXX XXXX
On XX/XX/XXXX, I submitted a complaint against Chase bank in regards to fraudulent activity done on my account. On XX/XX/XXXX I received a letter from Chase in response to my complaint. In the letter it states that on XX/XX/XXXX, 9 checks for {$4200.00} were deposited into my checking account ending in XXXX. Those 9 checks were deposited fraudulently in XXXX XXXX XXXX in XXXX XXXX, IL. In turn those checks were returned and subtracted from account balance but not after funds were already taken out from that account to a Company named XXXX XXXX XXXX, in XXXX, IL. Along with these fraudulent deposits these persons had full access to my account online and they were able to transfer funds from my other accounts ( {$1600.00} ) and do ATM withdrawals. According to Chase in their letter I was denied this claim due to fact that they state that i was monitoring my account online during the time of the transactions had occurred and that I did n't immediately notify Chase to the fraudulent activity. When I originally filed the complaint I did n't go into much details, and only received one phone call from Chase and it was only to inform me that they were in receipt of my complaint and that they were working on it. But not once was I contacted to verify these facts they so called found in their investigation to explain what in reality had happened, I was in constant communication with Chase from the moment I found out such activity was being done in my account. I spent 2 full weeks going daily to the local branch trying to resolve this issue for Chase to come with this XXXX letter of explanation without referring to me for confirmation on the occurrence of the events. When I was aware that they had access to account online I called Chase and made them aware of what was happening and they helped me gain access of my account they reset passwords etc. They should have records or recording in regards to all these calls involved in this matter as for they were so many and they went on for 2 weeks straight trying to resolve this matter. I can even tell you the Branch I went to daily and find out the name of the branch manager that tried to help in this matter. I am willing to submit all the documentation I can find of the proof that I did go to Chase immediately to report the fraud on my account.
I opened an account with XXXX XXXX XXXX  through XXXX XXXX many years ago. I was trying to build my credit and my minimum was XXXX  dollars. I made purchases for this amount and made payments on time except for one time and the payment was a few days late. After this I had them call me all hours of the day multiple times a day. They have called from multiple numbers and different states. I have tried to call XXXX  about this many times, I have somehow accrued over 2,000 dollars in debt for a maximum of XXXX dollar credit limit. I have made payments I should not be making and have tried to comply the best way that I could. I did some research and spoke with my bank when recently they took money from me that was unauthorized. I called XXXX first and asked them why the money was taken and they said they do not have a record of this money being taken out so I need to call my bank because it is their issue. I was hung up on towards the end of the call and then called my bank XXXX. My bank was very helpful and put in a dispute to get my money back as well as put a stop payment for them. This is not the first time this has happened with XXXX and the lady at XXXX  told me to let the XXXX know about what I have been dealing with. Just today I received a call from XXXX yet again a Colorado number this time claiming that I need to set up a payment to give them the money back that my bank disputed and took back from them. They hreatened that I need to have an attorney call them and I have one last chance before they take further measures. This happens so often and so many times and I am frustrated and worried. I try to do the best I can to pay off my debts and they are relentles. My husband and I both have asked them to stop calling or I have tried to set payment arrangements just to get rid of them but something always happens. I read their reviews and they have a D- by the XXXX  and it has raised a concern to me with how they treat their customers rudely, by threatening them and calling them in a harassing manner and taking money that should not be taken. They take advantage of other people.
I am an Identity Theft victim and I disputed a medical bill that is not mine and asked them to validate the account. I sent in my ID and other pertinent documents. After awhile they came back with " the disputed account is not reporting on the Equifax credit file ''. So What is the account on my report then? Since it is not mine I don't know the amount or date or anything. 
I want them to verify the account that is on my credit report for XXXX XXXX is mine and when they find out it is not I want them to remove it from my credit file. 
AND The event happened more than 7 years ago and should be removed from anybody 's credit file : Under 611 ( 5 ) ( A ) FCRA they are required to " Promptly delete all information which can not be verified '' that I have disputed and according to the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Previous complaint ID : XXXX submitted XX/XX/18. 
Please help me to resolve this issue.
Dear Consumer Financial Protection n Bureau, On XX/XX/2018 I request a financial assistance for my existing auto loan with Fifth Third Bank, auto Loan # XXXX. This lengthy and biased process requested me to submit many times the same application and multiple personal account information, mainly with the intention of create de-motivation from my side and stop requesting this assistance I really need. I am trying to pay my debts, this is why I submitted this financial assistance request, but big was surprise when on XX/XX/XXXX I received a letter letting me know that my request was denied because I have a high debt in relation to my income. The main reason for the request was to reduce my monthly car payments because I do not have enough money to pay, and although I have debts I still want to pay my auto loan. Please help me in find a solution to my current issue by asking the bank to provide me assistance. 
On XX/XX/2018 I called Fifth Third Bank trying and talked to XXXX from Auto loss mitigation counselor trying to get information about the letter I received, but I was entitled unfairly, and mistreated because all I wanted was to get information on the letter I previously received. I am a XXXX customer who also deserves to be treated with respect, I have never missed a payment before in this loan, and all I asked was payment assistance, and help to pay this debt sooner. I have also sent emails trying to get in touch with Fifth Third banks senior vice President XXXX XXXX, but never got a response. Here is one of the emails I sent to him : to : XXXX Fifth Third Bank, This e-mail is in regards to my previous e-mail asking to have contact information with one of the bank representatives, but got no response from the bank. I would like to get in touch with Fifth Third banks senior vice President XXXX XXXX. Please let me know his e-mails or phone number because I need to get in touch with him. Looking forward to hear from you, Thanks XXXX XXXX XXXX : Auto Loan # XXXX I am also attaching the letter they sent me.