WillisBack/dataset-financial-user-claim huggingface dataset:
The original collection agency Pinnacle Credit Services , LLC has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( XXXX ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, Pinnacle. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to XXXX. After over 35 days and no response from either Pinnacle or XXXX, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to Pinnacle ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to XXXX on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.
Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX  XXXX  Automobile Financing Company XX/XX/XXXX XXXX  XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX Finance XX/XX/XXXX XXXX  XXXX  XXXX Finance XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Finance XX/XX/XXXX XXXX   XXXX Finance XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Credit Union XX/XX/XXXX XXXX  XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX   XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX  XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX XXXX National Credit Cards/Airlines XX/XX/XXXX XXXX XXXX  XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX Auto Reseller XX/XX/XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Finance XX/XX/XXXX XXXX  XXXX XXXX Automobile Financing Company XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX   XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX   XXXX Automobile Financing Company XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it. 

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.
I 'VE BEEN WITH THIS SORRY BANK FOR 11 YEARS AND I HAVE NEVER HAVE XXXX MISSED OR BEEN LATE PAYMENT IN 10 YEARS. UP UNTIL RECENTLY I CLOSED MY BUSINESS AND HAVE BEEN EXPERIENCING SOME HARDSHIP. JUST RECENT I 'VE BEEN BEHIND ON XXXX PAYMENTS. I TRIED TO REQUEST A MODIFICATION ON MY LOAN BECAUSE I 'M EXPERIENCING HARDSHIP, AND TWICE I 'VE BEEN DENIED FOR REASONS THAT MAKE NO SENSE LIKE I 'M SHOWING A REVOLVING CREDIT CARD ON MY CREDIT THAT BY THE WAY HAS BEEN CLOSED FOR 5 MONTHS NOW!!! ALTHOUGH I 'VE SENT THEM DOCUMENTS SHOWING THAT THE CREDIT CARD IS CLOSED THEY STILL REFUSE TO HELP ME OUT IN MY HARD TIMES. TO MAKE IT WORSE I GOT CAUGHT UP IN A INTEREST ONLY LOAN AT XXXX XXXX XXXX AND NOW 10 YEARS LATER, I 'VE PAID OVER $ 120XXXX TOWARD INTEREST ONLY, WITH ONLY {$10.00} GOING TOWARDS MY PRINCIPLE BALANCE. XXXX THEY WO N'T LET ME GET OUT OF MY LOAN, THEY WANT TO FORCE ME OUT OF MY HOME BY SENDING ME OTHER OPTIONS LIKE SHORT SALE, ETC. I WOULD NEVER EVER RECOMMEND ANYONE TO APPLY FOR A MORTGAGE LOAN WITH THIS SORRY BANK!!!
I have a report on my credit that is now an open collection with a balance of {$350.00} from " XXXX XXXX XXXX XXXX XXXX XXXX. '' This should be covered for and paid by my health insurance. It shows as this : Account # XXXX {$350.00} BalanceXXXX XXXX XXXX XXXXOriginal Creditor {$350.00} High BalanceXXXX XXXX, XXXX Opened DateXXXX XXXX, XXXX Last ReportedIndividualResponsibilityPlaced for collectionRemarksNote
Called phh mortgage on XXXX XXXX, 2016 and they confirmed they had received our checking acct info via fax and would apply it to next months mortgage payment. This was not done and now they are trying to charge late fee. Multiple phone calls have not resolved this issue. I do not want to keep paying for my loan over the phone and incurring a {$17.00} servicing fee imposed by Phh. I believe phh purposely does n't apply automatic debit processing so they can charge their customers additional servicing fees.
I would like for Citibank to remove the unauthorized inquiries on my credit report that was reported by XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX I HAVE ATTACHED THE INQUIRIES PLACED ON MY CREDIT REPORT
I received a letter form the mortgage company denying mortgage assistance, I have filed a chapter XXXX bankruptcy and is unable to keep making chapter XXXX payments in order to keep my home, the letter is dated XXXX XXXX denying me mortgage assistance, they have stated the reason for the denial is due to my getting several modifications and have reach my limit, that statement is not true. I only remember receiving XXXX modification. I have applied for help from XXXX and based on the Government guideline of eminent Default criteria, we qualify, my husband and myself are both XXXX, my husband  has had XXXX XXXX, in the past 10 years and now he is XXXX XXXX, I have XXXX and XXXX and XXXX problems, and is also XXXX XXXX. Please help us keep our home, we no we owe the debt so we are just trying to get a modification because now our income is stable, and we just need to get our mortgage modified, the company is discriminating against us. Life happens and we need your help to help us uphold the law that states we qualify, we could not help our currant situation the dollar amount of the back pay is $ 67,853.42.Thank you XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
First ; this bill has been on my credit report since XXXX. I would like to have it deleted from my credit report. Note previous credit report listing this account. 

Second ; as a resolution, I voluntarily returned the vehicle and requested and outstanding balance and detailed breakdown of costs ( profit/loss ), after the vehicle had been auctioned or resold. I requested this information XXXX. I received no response and the bill still remains at the same balance of {$3700.00}. A few years ago, they attempted to garnish my wages.
I co-signed for XXXX private student loans ( XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank ) for my son to complete his XXXX degree. After XXXX when he conducted the consolidation & promissory note application via phone with AES, he asked to have all XXXX ( XXXX federal & XXXX private ) of his student loans consolidated. He was informed the private student loans could not be consolidated with the federal loans because it was against federal regulations. After approximately 6 months or so, we realized AES had consolidated all XXXX loans into my son 's XXXX consolidated federal loan. He was getting 1 monthly billing statement for all XXXX loans with XXXX account number, only. As co-signer, I was concerned because it was impossible to distinguish how the private loans were being paid as it was an " all or none '' payment situation. I was also concerned because I knew the private loans were not as flexible as the federal loans and could go into default much quicker. When we informed AES of its error & asked them to separate the XXXX private student loans from the federal, AES said it would look into. After months of no resolution & my son 's monthly phone calls to AES to correct this mistake, my son demanded AES correct the error. The very next month, AES placed the XXXX private student loans into default. We were shocked & dismayed because my son was in monthly phone contact with AES to monitor the account. There was never any mention of the XXXX private loans facing default. Now my son & I are being sued by National Collegiate Student Loan Trust ( NCLST ) for the original loan amounts plus interest ( about ( $ XXXX ). However, we have never ceased making monthly payments to his XXXX federal student loan account which is the same account number as the XXXX private student loans ( because AES consolidated them with the federal student loans ). As proof, my son 's credit report states his XXXX consolidated federal student loan status is " Current ; Paid or Paying as Agreed ''. My son 's credit report also shows the same account number for the federal loans as my credit report shows for the private loans. Finally, what concerns me most is my credit report states the status of the XXXX defaulted private student loans as " AES filed claim with the government ''. These XXXX loans are from private lending institutions and AES sent confirmation to me that the " Guarantor '' reimbursed the private lenders for the XXXX private student loans after AES forced the loans into default. I 'm concerned that the lenders were ALSO paid by the government. When I called & spoke to a Federal Ombudsman, I was informed that in no way should AES have filed a claim with the government for XXXX private student loans. Now XXXX is suing me & my son. They are attempting to get triple payment.
I 've disputed a charge with the XXXX XXXX Department multiple times now, once with XXXX and once with XXXX to clarify that my debt IS NOT VALID. 

I called in to turn off my service XX/XX/XXXX with a 100 % paid account and was told there would be no further bills. They continued to run my account through XX/XX/XXXX and XX/XX/XXXX which I was n't even present at the address and then put me in collections without ever getting a notification from Credit Bureau of the South or the City of XXXX for any final balance owed. 
I do not owe this debt, I do not want it on my credit report anymore. 

This is killing my credit score at this point and I 'm trying to buy a house.
Currently have a HAMP mortgage with Di-Tech Financial, LLC. ( Acct. # XXXX XXXX Di-Tech so far has only processed and paid {$1000.00} of the promised HAMP incentives of {$10000.00}. ( XXXX {$1000.00} payments and XXXX {$5000.00} payment on the XXXX Anniv..date of the HAMP modification. ( XXXX. XXXX ) I believe this is due in part to Di-Tech 's failure to timely submit the required documents to the US Dept. of the Treasury. 
XX/XX/XXXX, I received a letter from Di_tech informing me I needed to return the Dodd Frank Certification Letter to apply for the one time principal balance reduction of {$5000.00}. I uploaded the Form XXXX and a Quit claim deed from my Ex-Wife on XXXX XXXX, XXXX. Since the XXXX form required both buyer and co-buyer signatures. 
I then contacted Di-Tech Customer Service to inquire about the need for my Ex-Wife to sign the XXXX Form. At first, they stated they had all documentation that was needed. Later I called again after not receiving any confirmation. I was transferred to Di-Techs Loss Mitigation Admin. that told me they did not have the documents needed.. On XXXX XXXX, I uploaded my Final Judgement and Decree Of Divorce as proof my ex and I Divorced in XXXX. The {$5000.00} was supposed to be posted to my account in XXXX XXXX. I have called Di-Tech 's Customer Service many times and asked if they had enough Documentation to proceed and submit to the US Dept. of the Treasury. 

In my latest conversation with Di-Tech CS, I talked to XXXX XXXX from XXXX Fl. about the situation. She located all uploaded documents but did not know why they have n't been submitted to the proper agency for processing. She also explained that there where supposed to be XXXX ( XXXX ) {$1000.00} payments and the {$5000.00} payment as part of the HAMP incentives. .. According to my account payment History, only XXXX ( XXXX ) {$1000.00} payment was made on XXXX XXXX, XXXX. So ( XXXX ) {$1000.00} & the one time {$5000.00} payment remain to be paid. 
Please see the XXXX supporting documents that have been uploaded.
Called Cashcall to inform them that there will be no funds available in my checking acct. I was transferred to a department who made an arrangement to have funds withdrawn on XXXX/XXXX/16. I was emailed a letter to confirm my arrangements. My account was drafted on XXXX/XXXX/16. Called Cashcall requesting a funds reversal for their breach in arrangement. Manager was not willing to help. I honor my monthly payments and always comply and they were not willing to help me.
Raw Message Printable View I am writing to you because I received a bill for {$11000.00} from ChaseXXXX. I called and discovered an account was opened using my social security number. I also discovered that someone attempted to make payments on the account. These fraudulent payments were attempted to be made from an account that I closed out as due to fraud on XX/XX/2017. I have the closed account statement from XXXX XXXX. I did not make these payments. I also received a letter from Chase regarding a request for a new card that ends with XXXX. There was another address associated with that card and I have never requested a new card, nor have I ever lived or been associated with the address that the new card was requested to be sent.
Hi, I went in for my annual XXXX on XX/XX/XXXXand had my XXXX XXXX completed by XXXX XXXX. I discovered billing coding error this XX/XX/XXXXafter I was denied credit for a refinance. We I called XXXX XXXX third party collection agency Credit Service Company, XXXX XXXX XXXX XXXX XXXX CO XXXX phone XXXX, to get a copy of the bill for my doctor. The bill had a billing address on XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX I have never lived at that address or used it for mail. The only way I could get anyone at XXXX XXXX to talk to me about the billing error was to pay the bill. The collection agency stated the payment would not be acknowledged on my account for 3 to 5 business days, when XXXX XXXX gave the okay to call the debt as paid in full. I verified with the collection agency that they reported the payment to the credit bureaus, however it would take 60 to 75 days to report. I sent the proof that there was a coding error to the collection agency in XX/XX/XXXX, however they said they have not reviewed it. I spoke with XXXX XXXX today and they acknowledged that they had incorrect account information for me. I have not been able to get anyone in either organization to look at the documentation from my doctor about the billing error and now I can not get refinanced at a reasonable rate, even though my credit is paid perfect other than the billing error. Also, my wife had this debt reported on her credit, even though the services were for me. She did not sign any paperwork accepting liability for the debt.
I obtained XXXX separate student loans from XX/XX/XXXX to XX/XX/XXXX to attend XXXX College XXXX XXXX  XXXX. Nelnet was the original servicer of these loans. I was unable to obtain gainful employment in my field of study, so I had these loans in forbearance or deferment status until XX/XX/XXXX. That is when all of the loans became delinquent for a period of ten months and were transferred to the Department of Education. In XX/XX/XXXX, I applied for XXXX XXXX XXXX XXXX XXXX through Nelnet and satisfied all of the requirements for the three year monitoring period. In XX/XX/XXXX, I received a discharge letter from Nelnet. All XXXX of my loans are being reported twice on my credit report by Nelnet. Nelnet corrected the status of XXXX of these accounts to " current, paid as agreed '' after I disputed a false late pay on my XXXX  report during XX/XX/XXXX. I prevailed in getting the false late pays removed. I filed an additional dispute with all bureaus to correct the status of the remaining XXXX loans from currently 120 days late to " current ''. That dispute was unsuccessful. I contacted the Federal Student Loan Ombudsman Group for assistance. The first investigation was unsuccessful. I filed a subsequent case with the Ombudsman Group, via email and this case was concluded in a very timely manner. I was assured by the Ombudsman that Nelnet would correct the reporting of these accounts, however this has yielded more issues. Nelnet responded with correspondence to me stating that after a careful review of my account, they submitted a request to all national credit bureaus to update the trade lines for my loans to show a XXXX balance. I called Nelnet to clarify the information in the letter, and the representative stated that the delinquencies would be corrected. Nelnet reported all XXXX of my loans on my credit file with all three bureaus a second time, these loans are reported in good standing. However, the loans are listed XXXX by Nelnet now, with the status not being corrected on the first set of loans reported. Also, all XXXX of the loans are listed on my report by the Department of Education in a paid, written off collection status. These loans reported by the Department of Education were in good standing up until the point where " inappropriate '' corrections were made. In short, I have XXXX separate loans that are being reported three times with all XXXX  bureaus. Each loan is being reported as a derogatory account XXXX, XXXX by Nelnet and XXXX by the Department of Education. This amounts to XXXX derogatory accounts on EACH of the XXXX bureaus. I have consulted with an attorney in this matter, I was advised that since the loans are discharged they should be completely stricken from my credit file. I have attached the letter of discharge from Nelnet.
I was on a rehabilitation plan to bring my loans current. When that period was up, my payments went up well over {$400.00} with Navient. When I called to lower them, the only option they gave me was to extend the loans, which only lowered the payment by around {$150.00}. I had no choice but to take the option, as I could not afford the payments, even though this wasn't even much lower. I asked about Income Based Repayment plans, and was quickly dismissed, with the rep saying it would be an exuberant amount and that it wasn't worth it. When I asked to go through the process anyway, she told me this new extended amount was the lowest it would be. I took the extended amount, and feel like I was pushed into a corner. I do not feel like I was helped properly. It seems as though Navient benefits more from the extended amount, and therefore did not want to give me the option to choose IBR.
XXXX has been non-compliant with removing the unverified account CBE GROUP which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CBE GROUP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have a dispute with Capital One over a credit car charge fromXXXX for {$1600.00} and I have called the dispute department severaltimes to get this matter resolved. I have sent them additionalinformation about the charge on a course that was free. 
They always inform me that a supervisor will call meand no one has.
on X/XX/2017 -- -Syncb/XXXX XXXX , Fl XXXX XXXX XXXX XXXX -- -ran two hard inquiries without my authorization I have tried to call this bank tried to file a complaint to no avail?? Please Help!!!!
Macy 's Credit allowed a hacker to make purchases on my account including an electronic gift card for {$100.00}. I phoned in the details on XXXX/XXXX/2016 and followed it up with a fax of their fraud form on XXXX. Called it in on XXXX and they could not help me, instead they said they would call me back in 20 minutes. One day later and have n't heard back. It 's been 4 months since the incident and I have not found a resolution to the fraud they allowed to occur. Their system allowed a hacker to send an instant gift card to anyone without allowing the actual owner of the account the ability to cancel it. Meanwhile I 'm being charged 25 % interest while they take their time fixing this.
I had a payday loan with XXXX XXXX XXXX, I became XXXX and was not able to pay it. EVERYONE in my family has been contacted by the company they hired to try to collect or file legal action against me. The company ( XXXX XXXX ) gave everyone in my family their phone # along with the case #, all they would have to do is give my birth date or last four SS # and they could have access to this information! I called the company at XXXX XXXX and asked that they not contact my family. They said they noted the account, but yesterday evening they ( compliance officer ) contacted my brother in law and left all of my information again name, their # and my case # and this is a debt and I would be getting it filed in court etc. 
When I called and spoke with them again to try to work out a repayment plan they refused my offer. I was also told that XXXX XXXX XXXX sent me a certified letter and made numerous attempts to contact me. I never received anything. I have emailed XXXX XXXX XXXX two times to try to work this out without a response. The company that was hired is extremely rude and nasty, they would not give me their address, fax # or any information for my own files I was told that " I do not need it ''.
I sent dispute letters out on in XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. The account I am inquiring about I asked them to validate not verify this account. The company keeps sending me letters saying the account is verified, but did not validate as in showing any signature 's to show me this account is mine. Also calling the company asking them to validate not verify they never have me validation of this particular account. I asked numerous amount of times can you please validate out delete within the 30 day period, and the company keeps saying my account is verified. I asked for the name of the person verifying this account and information used to verify this account and they denied giving me the information, and I have rights as a consumer to know this information. They sent me a letter saying I can not dispute the account in question anymore. As a consumer I have the right to dispute, and ask about an account on my credit report.