WillisBack/dataset-financial-user-claim huggingface dataset:
I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my Equifax and XXXX credit profiles.
XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX
I have been under the PSLF program with Fedloan Servicing for three years now, just began the fourth. In this time-the lack of timely responses, delays and incompetence of the lender and program has grown. This has created frustration, increased payments and longer time paying this monthly debt to qualify forgiveness for me and my family! Current months paid are incurrent on one loan. It took 5 MONTHS this past annual renewal to get processed. Multiple times I was told they could n't read the documents sent in multiple ways by their own method, scan, photo, e-mail and fax! Telling me in coversation it was something on my end! Then, just before I mailed the packet of documents I was informed the IDR was approved and amount of monthly payments. How is that possible??!! Shady.Shady.Shady. I was NEVER informed by e-mail or phone of issues. When I looked in my inbox on the site, it just stated denied without reason ( s ). I would follow up after sending in multiple times asking if legable and was told I would be informed, I was n't.
I have contacted XXXX Hospital several times now and this debt was removed from XXXX of the credit bureaus since they have no record of this on file for me. merchants Credit guide removed this debt on XXXX XXXX from XXXX and XXXX. I contacted Merchant 's credit who is reporting this still to XXXX and they refused to listen to me, were rude and told me they are authorized to continue to report this as long as they want. The representative said that XXXX Hospital is telling them to continue to report this. XXXX says they have done no such thing and have no record of anything owed for me.
Im a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and you deleted it because the furnisher agreed with me. 
Creditor : XXXX Account : XXXX Reason : FRAUD {$1700.00} But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by over 30 points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 

Please delete this previously deleted account within 10 days of this letter or I will file complaints with the FTC, XXXX, and attorneys general in my state and your state. I will be also talking with a consumer rights attorney regarding this matter. 

Not only that you have XXXX is steady reporting inaccurate information into my credit file. I have never done business with XXXX or any company they represent. I am a victim of identity theft and the accounts XXXX hold are a direct result of this. XXXX has refused to verify these accounts with me so how are they verifying them with you?
I was notified by my XXXX at XXXX that Senex reported a debt as unpaid to XXXX on XXXX XXXX, 2015. They did not mail me a notice to dispute before they did it.
Hello, This is a bit different. I keep receiving calls from XXXX XXXX XXXX on multiple occasions in regards to a payday loan that I received and paid off in XXXX 2011 from XXXX XXXX XXXX which CashNet USA is apart of. They are stating that the original loan was done on XXXX/XXXX/2011, in which according to CashNet USA 's site is XXXX/XXXX/2011, which was paid off on XXXX/XXXX/2011. It is strange on how the loan was paid off more than 4 years ago and where they sent the information was to an address that I have n't resided in almost 8 years, so I was never notified. I contacted the original creditor with is CashNet USA and was advised that the loan was paid off and it is a possible scam. I advised of the company, but they are unable to keep up with the companies that are performing the scams. XXXX XXXX XXXX is trying to resolve a debt for {$430.00} and have been hanging up on me and not allowing me to dispute the claim, which I can process bank statements that the loan was paid in full. So I am not sure what else to do at this point. They provided me with a claim number of XXXX and spoke with XXXX and a few other associates. The phone numbers associated are XXXX and XXXX. Any assistance in regards to the matter will be greatly appreciated. 

Thank you for your time.
I am currently repaying a student loan to navient department of education loan servicing the problem is the interest rate is very high and they have divided my loan into XXXX so the interest is higher and I have seen on the local news that many other customers are being charged very high interest rates from navient the interest that I have paid is well over the amount of principal paid
Our mortgage was sold by Bayview to   XXXX   XXXX  . Bayview has sloppy accounting and does not apply our payments. Since the loan was sold we are having increasing problems with payments not being applied and money over the due amount suspended and held instead of being applied to our principle.
This company, XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX previously sent letters stating I owed on a credit card account. They said legal action would be taken if I did not pay the debt. I requested information and to cease communication if they refused to send information. They followed with a letter stating it was my responsibility to deny the debt. I again asked for a cease and desist. One year later, they contacted me about a different credit card account they bought, presumably in my name. They filed a judgement against me. On the date of the initial appearance their attorney did state I had a cease and desist order prior to this account in reference. At no time has the company sent information regarding either account. I have court tomorrow and they've provided no documents. I also do not owe what they say but I cant afford an attorney and may likely lose the case.
In XXXX I moved back to XXXX after living in XXXX for 2 years.Because I had a company vehicle, I did n't need car insurance, so when I returned in state I again needed insurance so I got XXXX of XXXX.they told me because I had no insurance for the last few years I would need a rider on my policy.I was given no choice in the matter and XXXX chose a person in my household, they told me this was temporary until I established a history with them.every few months I would ask XXXX when could my insurance go down and the rider be removed, but all I got were blank stares and the same response that they could do this and I had no choice in the matter.I tried to change my insurance company on several occasions but they 're rates were to high.after a few years my rider XXXX AAA kept her as my rider for another year, even laughing in my face when I dared ask why she was still my rider.When they finally changed my rider they raised my rates.when I bought a newer vehicle they raised my rates.they raised my premium to {$350.00} a month, despite the fact a had no claims, no accidents, and no tickets.This is when I found out my rates were n't based on my driving record but on my credit.which was good before XXXX of XXXX drove it into the ground.you see XXXX used XXXX of XXXX XXXX to determine how good I drove in XXXX Nexus and XXXX used faulty information to price gouge on car insurance.they even chose for my new rider XXXX XXXX, my room mate even though she was ruled by a court of law to not be able to be in charge of her own finances.I had partial ownership of XXXX properties, yet XXXX said I did not.I 've since lost XXXX houses due to XXXX wrongful billing.I 've been forced to move out of that household and away from my family in order to get affordable car insurance.my friend in addition to losing his wife had to return his vehicle because I 'm no longer there to pay for it, he 's a XXXX vet and he used his vehicle to take other members of his family to there doctors appointments.AAA and Lexus Nexus in addition to screwing up my life has totally screwed up my friends life as well.I personally will never recommend them to anyone.I 'm also highly disturbed that LexusNexus is given carte blanche to do as it pleases with regards to my life without first contacting me and confirming any information they use about me.
EQ - had confirmed by way of my previous disputes ( XXXX XXXX ) that a CLOSED or PAID/CLOSED Tradeline, can not and should NOT have an Activity Designator = NA. 



Although I have disputed " this '' item at least 5 times previously, I am simply reminded of willful noncompliance. 
Because EQ is attempting to take my complaints from the CFPB site, I offer the following - once again. 
I hereby acknowledge that I am the author of all data within this complaint, and I am the owner of all accounts identified within this complaint. I am the author of all text within this complaint - as well as the intellectual owner of the identified data issues on my file. There is no credit repair agency involved, simply myself - a consumer who is being educated through all of this activity. 
I, as an American Citizen - have an entire right to have this dispute, heard, managed and resolved through this portal. Prohibiting my right, by again stating something you know, and have been told numerous time previously to be false - is prohibiting me of my rights. 
I do not, and am not disputing ownership of the Tradeline contained in this dispute. Assigning that as the issues, and then responding to this Dispute ( number XXXX ) simply adds to the number of attempts I have made, to have you EQ - resolve this item. 

XXXX - XXXX XXXX. This account is CLOSED. 
2. XXXX XXXX has NOT submitted a record update since this Tradelines Closure ( XX/XX/XXXX ) 3. The Tradeline has an Activity Designator of N/A, and can not - as it is closed and has been closed since XX/XX/XXXX. Please update the Activity Designator to PAID/CLOSED 4. This account then, lacks it TRUE pay history for the duration of time in which it was open, AND IS Inacurrate 5. This Tradeline then lacks its TRUE balance history for the duration of time in which it was open, AND IS Inaccurate 6. The " Months Reviewed '' is inaccurate, and then impossible based on the factual date open/date closed It remains incomplete, and inaccurate on my file for 10 years - Either Verify the entire Tradelines details and fix/update the record to be complete and with correct pay and balance history, or DELETE this incomplete and then inaccurate Tradeline.
On X/X/17 I disputed an account that is reporting as a collection with Equifax for XXXX XXXX XXXX. The account came as verified and updated but had they verified the account the few times I have tried to dispute they would have seen that XXXX XXXX XXXX owes me {$100.00} for a deposit they kept of mine. That I now have to go through the treasurer of my state to collect. I am requesting that the negative listing be removed from my credit report.
I previously submitted a complaint on XX/XX/XXXX in regards to XXXX XXXX attempting to collect for a debt that is not owed by me. The company XXXX XXXX responded on XX/XX/XXXX stating that I retained an attorney, and that they do not have a record of my attorney 's contact information. They requested that I provide that information so that they can contact my attorney directly. Lastly, Midland advised me if I was a victim of fraud to provide them with a copy of a police report or affidavit of fraud showing that I have reported the fraudulent activity. Since then I have sent ALL of the requested information as requested by Midland Funding. I sent a letter with my attorneys information and contact number as well a notarized copy of an affidavit from the FTC reporting the fraudulent activity. These documents were sent out certified mail on XX/XX/XXXX it was received by Midland on XX/XX/XXXX. I received a letter from Midland dated XX/XX/XXXX stating that " We are uncertain of what you are specifically disputing '' and " provide written explanation and documentation demonstrating any errors in our account information ''. Again, a request for my attorney 's information is asked for again. The same information was sent to XXXX XXXX XXXX the original creditor, I have not yet received a response from them however I XXXX is no longer reported on my credit reports. In this case, if the original creditor has been removed from my reports I DO NOT owe Midland Credit Management nor do I have a contract with MCM. I have done ALL that has been requested of me to resolve this debt and MCM has NOT provided anything VALIDATING this debt, I have since then followed step by step instructions from MCM to further resolve this debt and still I am being told that they are uncertain of what I am requesting.
I have been disputing with Source Receivables Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}. However, XXXX, as of XX/XX/18, shows Source Receivables Management collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Source Receivables at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get Source Receivables to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.
We utilize Regions online Bill Pay, and made a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX for an RV loan. In XX/XX/XXXX, Regions put the payment amount of {$670.00} back into our account because XXXX XXXX XXXX XXXX never cashed the payment. We have not been able to get an answer from XXXX XXXX XXXX XXXX as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from XXXX XXXX XXXX of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but XXXX XXXX XXXX chose to ignore that, and churn the account with late fees. 
I contacted Regions about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XX/XX/XXXX. Because XXXX XXXX XXXX did not cash the payment, Regions could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to XXXX XXXX XXXX XXXX, which I believe XXXX XXXX XXXX XXXX ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
XXXX XXXX PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO XXXX XXXX HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU EXSPERIAN WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER
BANK OF AMERICA is not reporting an account I have with them to all 3 credit bureaus.
On XX/XX/XXXX I had my brother to compose a letter of dispute on my behalf to Monterey Financial Services. 
In regards to a collection on my credit profile that I " have NO knowledge of '' The letter is detailed asking for validation of debt ( showing my signature, any stipulations of guarantor statement, last date of charge/activity and or payments ) I do n't even know the name of the original creditor. 
I received a written response dated XX/XX/XXXX stating I should have requested validation 30 days after I was notified of which I was never notified by XXXX XXXX. They have violated FDCPA and also FCRA to list this disputed and unvalidated alleged debt on my credit profile that I have no knowledge of.
I had a defaulted credit card obligation that I owed to XXXX XXXX XXXX. They filed suit against me in the Magistrate Court of XXXX County, Georgia. A judgment was entered against me for {$1700.00}, on or about XX/XX/XXXX. In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan. I was told that I would have to satisfy the outstanding judgment lien to XXXX XXXX XXXX   before the re-financing could be completed. I contacted the law firm representing XXXX XXXX XXXX, Cooling & Winter, in early XX/XX/XXXX. We reached a settlement amount of {$1500.00} to resolve the debt. I spoke with attorney XXXX XXXX. I mailed certified funds for {$1500.00} ( cashiers check ) to XXXX XXXX of Cooling & Winter on XX/XX/XXXX. They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX. They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX. 

Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by COOLING & WINTER, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier. My employer had been served with the garnishment and withheld 25 % of my pay plus fees. A total of {$770.00} was taken from my paycheck. 

On XX/XX/XXXX, I immediately called COOLING & WINTER to see what was going on. I left messages for both XXXX XXXX and his assistant, and never received a call-back. On Monday, XX/XX/XXXX, I again left messages for XXXX and never received a call-back. 

This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25 % OF MY CHECK. AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF {$100.00}. THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED. 

They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED. THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR. 

THE OFFENDING LAW FIRM/DEBT COLLECTOR IS : COOLING & WINTER ATTORNEYS AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
XXXX refuses to get bill off my credit. I have offered to pay but they show an amount of XXXX and only 7 percent paid leaving a balance of XXXX on the collection. Balance is wrong suppose to. Be XXXX dollars from services ended.
I have a new car that I have been making payments on that was not part of my CHP XXXX financed through Ally Bank. I have been making payments on time since XX/XX/XXXX. I contacted Ally who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX.
I have been paying on this loan for nearly 10 years and my total amount has not gone down. First it was with XXXX XXXX then changed to XXXX and now Fed Loan Servicing. My loans from 10 years ago should had been paid off. Also more of my payments are applied to interest instead of the payment which should n't be so.
Loan on mortgage in XXXX was supposed to be turned in as paid when mortgage was refinanced in XXXX but mortgage company failed to report that mortgage in XXXX is paid they still have a open mortgage from XXXX reporting on my property also mortgage company reported information in XXXX on property when that in which was reported is not true according to mortgage in XXXX
On XX/XX/XXXX I tried to pay my credit card with the atm machine ( I took money from my husband card I minute before it was ok ) the machine get my card and ask from the money i wait like 3 minutes and they gave me a paper that said that we apologize but we can proceed. The same day I called bank of america and make the claim they said i have to wait 7 to 10 days i call next week and they tell me that they have my call but not my claim. I have to do the claim again I still waiting for and answer but I didn't get nothing.
Before XXXX 2015, I have a credit score in middle XXXX on all XXXX credit bureaus. After being denied credit I discover all kinds of wrong information on my credit profile. So I file an Identity theft report with the XXXX Police Department, in XXXX, XXXX XXXX File # XXXX ). I send the report to the XXXX major credit bureaus and the creditors. All the creditors and credit bureaus deleted the information from my credit report quickly except Experian. XXXX of the creditors told me that Experian is the XXXX that had cross referance my file with someone else with the same name. My name is XXXX XXXX XXXX XXXX Address ) XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX. My DOB XXXX ( SSN *********** XXXX. And that is the way i apply for credit and that is the way the creditor report my information to the credit reporting Bureaus. After sending Experian a copy of my ID and SS Card that tell me that they dont have no information in there database under that information. Which is a bold face lie and i told them so and that their job is to apply the information in there database exactly like the credit provider report it to them. On a credit report that I have from them is show a difference SSN and Several addresses and phone number that i know nothing about. And they refuse to correct this misinformation. This has cause me denied creditXXXX.
First off my wife called to get pay off amount and they told her they would not give her that information. So I signed up on XXXX to see my amount owed it showed {$1400.00} i even got a slip showing thats what i owed a manager called me and even told me thats all i owed. So i go in with my slip to pay it off {$1400.00} and the associate informs me they turned me into collections plus they tacked on {$400.00} worth of late fees then she said the late fees were a mistake and she didnt know how to fix it. Then she gives me a ticket showing the late fees plus she added more late fees to it even though i dont owe them. They are ruining my credit please help me. Thanks.