WillisBack/dataset-financial-user-claim huggingface dataset:
ECMC is reporting inconsistent and inaccurate information to XXXX, XXXX, and of the XXXX. In reference to XXXX accounts with the same account # XXXX, they are reporting it as a " closed account '' to XXXX, an " open collections account to XXXX, and a " closed collection '' account to XXXX. These inaccurate reports to the major credit bureaus are damaging my credit worthiness and my credit score and should be DELETED under Secction 611 ( 5 ) ( A ) of the Fair Credit Reporting Act.
I discovered a fraudulent debt on my credit report in XX/XX/2015. At the time I was told by another debt collection agency that the account would be canceled and sent back to XXXX XXXX. Now, AFNI has received the XXXX assignment again and they have illegaly credit reported this to my credit reports. I am in the middle of financing a home and this is causing me significant damages if it does not get resolved IMMEDIATELY. I have a police report and fraud affadavit that has this account listed as a fraudulently opened account and demand this item be removed from my credit report. Should I suffer any damages from AFNI 's willfull negligence in credit reporting this I will hold them liable for everything I will lose including my earnest money deposit and less than prime financing terms that they are going to be causing me.
Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Previous Creditor : Pendrick Capital Partners LLC Reference # : XXXX Balance Due : {$180.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Original Acct # : XXXX Original Balance : {$180.00} Date of Medical Service : XX/XX/2014 I received a debt collection letter as well as a negative mark on my credit reports for the above listed account. Originally, Pendrick Capital Partners LLC had to remove the information from the credit bureaus and cancel the collection because they were unable to prove the billing providing bogus information and a falsified bill information. XXXX XXXX XXXX   XXXX is not owed this money hence the dispute. 

However, they to pursue this action by posting negative collection information on my credit. I have requested that this debt be removed as soon as possible. The fact that they sold this debt and it continues to be an issue has caused me to file a complaint. 

Selling and re-selling a debt that is not mine and my having to constantly remove from my credit is creating a problem for me.
In XXXX XXXX, I stopped paying my mortgage because I could no longer afford to pay the monthly mortgage payments. I attempted to negotiate the terms of my loan, but the bank refused to lower my monthly payments and the principal balance of the loan. I hired an attorney in which he was not able to lower my monthly payments nor the principle balance with XXXX XXXX. According to Nationstar the current loan servicer, XXXX XXXX did not participate in loan reductions for struggling homeowners and as a result I had to reluctantly agree to a loan modification or risk losing my home to forclosure. I was a victim of a predatory loan when I purchased a was approved for a second mortgage to remodel my home in XX/XX/XXXX which caused me to fall behind on my monthly mortgage payments. The loan was originated by XXXX, sold to XXXX XXXX XXXX and then sold to XXXX XXXX. In addition, the loan was serviced by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the loan is currently being serviced by Nationstar Loan Servicing. As of XXXX/XXXX/XXXX, my principle balance has nearly XXXX from XXXX dollars to XXXX and my monthly mortgage payments have remained relatively the same despite the loan modification. My home is currently valued at approx. XXXX dollars and unfortunately I will be forced to leave my home due to the bank 's refusal to negotiate in good faith. 

Note ; The copies and documents regarding this matter will be submitted via fax or US mail upon your request.
AFNI rep XXXX stated that once I made a payment over the phone with a XXXX or XXXX that AFNI would send me a letter stating that my account with XXXX  would be removed from my credit report. He stated the letter would have the AFNI company logo and letter head. This conversation took place on Wednesday, XXXX XXXX at XXXX EST. 

The AFNI website clearly states that after I pay my debt, the account will not be removed from my credit report. This can be found at the following URL https : //www.afnicollections.comXXXX He then continued to insist that I give him a credit card to " start the process ''.
I have a collection placed on my credit report with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, FL XXXX. 

I have never opened an account with this corporation and they have failed to provide me with a valid proof of debt. 
This negative information was placed on my credit report on XX/XX/2018 for the amount of { {$2100.00} }. 

I initially contacted them on XX/XX/18 requesting validation of said debt as well as provide the credit bureaus with my notice of dispute. I received random unsubstantiated unoriginal ( photocopied ) material and no acknowledgement to the credit bureaus of my legal right to dispute within 30 days notice. 

On XX/XX/18 I sent an additional time stamped, dated letter requesting additional information to which the lines of communication went completely mute and still no legally enforced notification to the credit bureaus of my dispute. 

I have been hindered in opening credit lines and purchasing a home for my family because of this negative information on my credit report. I am including tracking numbers as well as timed stamped certified letters with signatures that proves XXXX XXXX XXXX has received my disputes via USPS the dispute letters were received on. I also have dated credit reports that show my lawfully protected right to dispute under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) have willfully not been followed by this company as well as several other violations. 

It has been more than 30 days and they have failed to respond legally. I am demanding this account be removed immediately due to lack of validity.
I was speaking a a XXXX XXXX about entering a debt rehabilitation program. I was explaining that I had no means to repay the debt at the moment but would appreciate if they could stop calling. I was later transferred to a supervisor named XXXX, she explained that this was a Federal loan and it had to be paid. She battologized the word " Federal ''. I explained to her that I have XXXX and the calls have been XXXX, that I would appreciate if they could lower the volume of the calls and I would pay the debt as soon as possible when I gain employment. She asked me for my debit card information and told me to speak with my family about helping me repay this debt without listening to me explain that I do n't have financial support at this moment. This incident left me scared, anxious and triggered a XXXX in me.
I immediately submitted a complaint with US Bank about the process and the many times the Loan Modification was changed. 

The Modification was submitted on XX/XX/XXXX. 
The XXXX XXXX was changed and modified on the following dates. 
XX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXXX/XX/XXXX - $ XXXXFigures changed again after the results that submitted to US Bank Complaints Department -XX/XX/XXXX - {$940.00}. 

I believe it should not have taken this long nor should the modification papers have been changed several times and I have reported this to the VA requesting that they review the Mortgage Modification for accuracy and improper handling.
In XXXX of 2015 I opened a credit card account with USAA because my Dad is a XXXX XXXX and I thought it would be a could company. My credit is good but a few bumbs but good enough to get loans. I was approved a {$4000.00} limit. A month or so later I opened another card with them that had a better interest rate it was also {$4000.00} limit. Both cards we almost maxed out but I had had many purchases being bought and returned. So it was always changing. I have worked very hard to keep my credit good and keep it get getting better. I made XXXX payment with them and then after I applied for an auto loan with them and was approved. Bought the car and was told that they suspected fraud and declined my loan after already giving me a blank check. XXXX. Who does that. I was approved through the dealer instead with no problem. I called USAA and they said all my cards were closed but would not tell me why. I said permanently? They said yes. They said it was because they were new and that they were almost maxed. I said isnt that the point ti use them? I have not been late with a credit card for over XXXX years. My problem is that they should not approve credit and expect you not to use it. They should not close your cards with out telling you why. They should not be able to affect your credit report when you have never been late or abused any cards in the past XXXX years. I have work very very hard improving my credit. This is not fair when I have not done anything wrong. They can keep their cards I could care less. I am paying them off asap. But I dont think they should XXXX my report with a status of closed when I did nothing to break the contract.
This is my fourth request submitting this exact same information. After about 71 months of dealing with ID theft, I have provided and it was requested from all 3 CRAs, but only 1 still refuses to remove 3 accounts. Under 15 USC 1601cb block, Experian ( Especially in light of XXXX V. Experian ) KNOWS it must block fraudulent information. I have sent them via XXXX 3 different BONA FIDE verifications of FRAUD. Which they will not remove, the XXXX account remains, they reinserted the XXXX accounts that had been deleted, and my personal information has 2 Last NAMES. I want this fixed, or like XXXX  they will force my hand. I HAVE HAD ENOUGH, of the fraud on the Experian file and I enclosed all the required documents they requested each and every time, which Experian indicated were needed as described in their original correspondence with me when I first informed them, and thus they also placed a 7 YEAR FRAUD ALERT on the file. I additionally have contacted the creditor, the FTC, the CFPB, the Texas AG, and NY AG, I received an acknowledgment in the mail but they left the fraud accounts on the reports, only EXPERIAN, Of course which is exactly opposite to that which I had legally provided proof. I 'm attaching the documents which were provided and request for the fourth time that they remove the accounts. Do I need to ask a federal judge to make them listen?
Shellpoint Mortgage Company bought my loan in XXXX 2015. They erroneously charged me {$320.00} a month less in escrow each month than was due. Hence, the additional money was being applied towards my principal. Moreover, I now owe {$2200.00} in back escrow. This is a large sum of money even when spread over 12 - 36 months. To take one year, from time of assumption, to do an " escrow analysis '' is an absurd amount of time.
In XX/XX/XXXX we purchased a home in XXXX XXXX, CA my mom and I are retired on a fix income when all things were satisfactory with Quickenloans the lender found everything satisfactory they funded. XXXX mortgage payments later we were told that things have change our home has increase in value by XXXX XXXX XXXX XXXX each month since we signed the contract and closed, that insurance premiums have increased some as high as two hundred percent that our monthly mortgage payment will be increasing by XXXX XXXX dollars beginning XX/XX/XXXX and they are being slow giving as an answer how they value our home so high to raise our insurance without anyone coming out to look at the home. I live in the XXXX XXXX in California XXXX XXXX no one is flocking to move here. We signed a contract at XXXX XXXX and XXXX XXXX at the XX/XX/XXXX they plan on raising our mortgage payment by XXXX dollars, which we can not afford,
information was sent to XXXX stating paid nothing owed but was not sent to XXXX and XXXX XXXX. I have tried to contact them on the phone by calling XXXX no response
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Equifax is showing a federal tax lien on my credit report. The IRS has withdrawn this tax lien, and properly filed the withdrawal with the XXXX Clerk of Courts. 
I mailed a dispute to Equifax on XXXX/XXXX/2016 with an original certified copy of the Withdrawal of Filed Notice of Federal Tax Lien and that dispute was completely ignored. Then on XXXX/XXXX/2016 I submitted another dispute online and Equifax responded on XXXX/XXXX/2016 that " this public record item is reporting correctly, '' which is not accurate. 

A withdrawn lien means it is as the lien never happened ( similar to a vacated judgment or dismissal ). Equifax should have deleted the lien from my credit report. XXXX, XXXX, and XXXX have all properly investigated this tax lien, and deleted it from my reports. Equifax is the only consumer reporting agency that has failed to properly investigate and delete this inaccurate tax lien.
I received letters and calls from XXXX XXXX XXXX XXXX for a {$1700.00} loan from XXXX XXXX  that i did not make from XXXX. Never was notified by the loan company of any loan owed and never received anything from courts on unpaid loan. First thing I received was from collection agency years after the loan I supposedly received, that I never had any knowledge of.. I called World Acceptance corp XXXX BOX XXXX XXXX SC. XXXX ( phone # XXXX ) who owned XXXX XXXX and ask for a copy of contract, so I could prove that the signature was n't mine and they refused. Every loan i got from XXXX XXXX ( AKA World acceptance ) was paid in full. I want World acceptance to give me a copy of the contract, so I can prove it is n't my signture on it and is not my loan or have it removed from my credit reports.
The inquiry was made by XXXX XXXX XXXX on XX/XX/2016. I do not recognize this inquiry and it should have been removed from my Experian consumer report because it is over 2 years. I contacted the inquirer but they have not remove the inquiry from my consumer file yet.
This is a medical bill incurred in XX/XX/XXXX, I made payment arrangements with the service provider in XX/XX/XXXX to pay {$25.00} per month, at which time I started sending payments monthly, and paid as agreed sending more than {$25.00} some months, in XX/XX/XXXX just as I had paid off the debt it was turned over to a collection agency who immediately put it on my credit report. They have never contacted me, I had to find out who they were through the Credit Bureau. I have sent proof of payment in full to them twice XXXX XXXX and again XX/XX/XXXX, I have never received a response from them. I have disputed this account with XXXX and both times they state debt is reported correctly. I have proof of payment in full for the account. I want the debt removed as it was paid in full as agreed with original medical service provider, whom I also contacted that then referred me to XXXX XXXX XXXX whom my account was turned over to with no explanation as to why it was turned over when it was paid in full in XX/XX/XXXX XX/XX/XXXX
Ford credit corporation keep on calling me at work for some late payments but they have the wrong person, same name as me but different last name also never have a ford credit or driving a ford car, it was a former employee. Keep telling customer service to remove my name on the list since XXXX of XXXX but they still calling me and I felt like it was an harassment but up to this date XXXX/XXXX/XXXX, they continue calling me. I wanted to file a complaint to Ford credit corporation.
Ongoing issues for a long time. I have chat and spoke with the company, also asked them multiple times to block charges. I have disputed charges and they continue to let someone charge my account.
This company describes them self as " Affiliated Assests Solutions '', it is a debt collector company. Many years ago they have been calling my cell phone. They continue to call to my personal cell phone asking for a person named XXXX. I told them to stop bother me. They stopped for time to time and then they started again to calling me twice almost every week. I called them to stop but it did n't work I told them that there is nobody under this name with this phone number. I have this number more than 6 years. They don listen. When I am working, resting, eating any time any hour they are calling. Please I need somebody stop this people.
In XXXX of 2017 my vehicle was Repossessed, during that time the title was taken out of my name. 
I paid the fees to get the vehicle back and also signed paperwork to have the title returned to my name, I was going through a Divorce at the time and loss track of the matter. I recently went into my local DMV to renew my Registration and was told, I could not get the registration renewal because the vehicle was not in my name, I called Capital One Auto finance and they refused to give me a Straight answer, my Tags are Expiring  soon and I am driving illegally.its been a year since the vehicle was Repossessed and I still don't have a title, so I'm more or less Leasing this vehicle but paying, high interest 21.99 % and high late fees .... 
This had to be XXXX!!!!!!!
I have an old XXXX situation on my credit report, and the credit reporting agency will not do anything about it. They will not give me proper investigation results. Please can you help me with this matter?.
In XX/XX/XXXX, my old Perkins Loan from XX/XX/XXXX completed the rehabilitation process with XXXX XXXX XXXX. It was then transferred to XXXX for servicing. 

Payments have all been made in a timely matter, which has been acknowledged by the servicer. 

In reviewing my file on XXXX, I saw that one loan was being reported as in default status. This initiated numerous phone calls to the servicer as well as several government agencies to find out why that loan showed as defaulted. 

The servicer admitted there was no problem on their end and would look into it. The CS agent I spoke with also assured me that they update every Friday, and it would be resolved then. 

Except, it wasnt. Finally, on or about XX/XX/XXXX, I was told by a CS agent at the Department of Education that the servicer had not updated since last XX/XX/XXXX, and that they are the only people who can perform this update. 

As of today, it still has not been done.
A XXXX party authorization, signed by the homeowners is within the attached NOtice of Error. 
Ocwen has obtained forced placed homeowners insurance even though they have been shown repeatedly that the homeowners have compliant insurance in place. Worse, Ocwen is collecting escrow and PAID the premium on the homeowner chosen hazard insurance, which is proof they KNOW lender placed insurance is inappropriate. Payments for the homeowners ' chosen hazard coverage, and the lender placed insurance are both reflected on a single escrow statement. As noted in the NOE, the homeowner provided proof of insurance coverage in XXXX or early XX/XX/XXXX, I faxed proof again in XX/XX/XXXX. Nevertheless, in XX/XX/XXXX, Ocwen obtained lender placed insurance. 
A Notice of Error has been filed, and is attached here. So far, Ocwen has not acknowledged the NOE.
I have been receiving multiple phone calls from XXXX XXXX XXXX XXXX regarding a debt I owe on a credit card. On X/XX/2017 they provide personal information regarding this debt ( amount owed, attempt to collect a debt, asked the person if they could pay my debt, etc ) to a person unrelated to me that answered my phone number. They additionally are constantly calling and harrassing my place of employment and told my employer that I said that they would pay for my debt which is a lie. I have told them I am responsible for this debt. They are repeatedly harrassing them and my company has asked me several times to make them stop. I have asked XXXX XXXX XXXX multiple times for them to stop calling my employer and they still continue.
Called ID of Robo and Potential Spam calls are received several times daily. 
Other calls that I can see in caller ID : XXXX XXXX, XXXX XXXX XXXX Qickenloans, XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX Also receive calls from XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX in XXXX
I received a credit collection letter from XXXX for {$640.00} with creditor Wells Fargo account ending in XXXX. I contacted Wells Fargo regarding the amount due for the account ending in XXXX. The representative stated that the account ending in XXXX had a balance of {$450.00} and he not sure were the collection agency got the amount of {$640.00}. The account is being disputed as fraud with the original creditor Wells Fargo for fraudulent activity on account ending in XXXX for the amount of {$450.00} reference # XXXX DATE : XX/XX/2017 @ XXXX. The credit collection agency has sent a letter for a debt collection from a creditor for an amount that I do not owe. This debt is not valid for collections. The is a fraud account/identity theft. This credit collections agency is trying to collect on a made up amount.
XXXX, the original company, was paid in full when I left them for XXXX. They have send three other collection agencies about this and they've all backed off upon review of the evidence but they continue giving the account to additional agencies in order to destroy my credit.
I have asked Portfolio Recovery to only contact me by mail. I have also informed them that I do not believe the debt is owed by me and would like to research if they mailed me the information. These harassing calls have continued for over 4 years. The calls come from different numbers every time. The most recent call was XXXX XXXX, 2017 at XXXX XXXX. They continue to call 3-5 times per week. They are rude and very aggressive. They will also immediately call back from a different number.