WillisBack/dataset-financial-user-claim huggingface dataset:
Disputed with all XXXX 'credit agencies ' since XXXX! There should be nothing on any of my credit reports except Dept of Education showing as XXXX, closed. It shows on Experian but then they also show XXXX XXXX. THERE IS NO XXXX XXXX! They have exact same thing twice looking like I have XXXX different student loans. In addition, XXXX XXXX crooks have put " late payments '' THERE WAS NEVER ANYTHING DUE ALWAYS IN DEFERMENT UNTIL DEPT. OF EDUC TOOK THEM AND THEY ARE XXXX. They were sent proof XXXX and mo 's and mo 's at huge expense to me over and over, and now Experian has all XXXX ( XXXX XXXX should not be on any of my credit reports! ) ; XXXX XXXX has it all XXXX ; and XXXX has only XXXX XXXX XXXX ( completely wrong! ) this is so stupid to have XXXX do this continuously since XXXX WHEN ALL MY STUDENT LOANS WERE TO DEPT OF EDUC AND BECAME XXXX XXXX XXXX does this on purpose, they are biggest bunch of crooks in U.S. besides banks.
My son needed his XXXX XXXX XXXX. Our regular XXXX had sent us to XXXX   under the impression ( after XXXX had marketed to them that he was in-network with XXXX ) that XXXX  would be less expensive for us since he was a preferred provider with XXXX.

XXXX office lady told me they were preferred providers of my insurance and in-network. Per XXXX office policy I paid in full prior to XXXX XXXX, the amount I paid ( {$580.00} ) was the amount the office lady told me was my share after insurance, everything went well with the doctor. Then a year later, office lady calls me telling me they arent contracted with XXXX and that shes re-calculated and I now owe more! This is just bad business practice. Imagine giving your own client a quote on a service, providing the service, then later contacting them and demanding more money.

When Capital Accounts contacted me I sent them multiple letters and emails showing my receipt that I paid my account in full before services were rendered. I disputed the debt in writing and they still put it on my credit.
I advised wells Fargo that i was requesting relief because i live in a federal disaster area. they are refusing to apply said relief to my account. i did not make my XX/XX/XXXX payment due to hurricane Irma. I made myXX/XX/XXXX payment on XX/XX/XXXX and they are refusing to post it to my account. this is what they sent me. 
XXXX XXXX : Thank you for your partial payment toward your mortgage loan account ending in XXXX. 

Since we 're unable to make partial payments to the loan, we 'll hold these funds for you until you make the rest of your payment. At that time, we 'll apply the full amount of the monthly payment to your loan. Your due date will not advance until the full payment is applied. 

You may incur a late charge if we do not receive your full monthly payment by the end of the grace period. Please make the full monthly mortgage payment by the due date on your billing statement. 

Please call XXXX for more information and to pay the remaining balance. Our hours are Monday through Friday, XXXX XXXX to XXXX XXXX, Saturday, XXXX XXXX to XXXX XXXX Central Time. 

please advise them that they are in violation of the federal disaster declaration from XXXX XXXX florida. They are nothing but crooks and belong in prison.
I took out my student loans from XX/XX/XXXX-XX/XX/XXXX and used XXXX XXXX XXXX  for my Federal and Private Loans. When I started repaying the loans back in XX/XX/XXXX, XXXX XXXX was the company who I dealt with for repayment. I stayed with XXXX XXXX for my Federal loan until XX/XX/XXXXwhen I submitted my first paperwork for the Public Service Loan Forgiveness Program.
I was told I did not qualify as my loans were not through an approved servicer so I switched to Fedloan Servicing for my time to count. I worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, the XXXX XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX, and now the XXXX XXXX XXXX ( XX/XX/XXXX to present ). I worked as a XXXX in all three offices so I should qualify for PSLF program.
As the PSLF program was created in XX/XX/XXXX, I believed that I should qualify for at least 13 payments ( XX/XX/XXXX to XX/XX/XXXX ) for my XXXX XXXX XXXX XXXX time, 24 payments for my XXXX XXXX XXXX time, and 21 payments for my XXXX XXXX XXXX time. When I submitted my first PSLF form in XX/XX/XXXXI was told none of my previous payments counted as I was n't part of Fedloan Servicing and payments I made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX did n't count as XXXX XXXX was not an approved loan servicer.
When I took my loans out, the Federal government did not service loans and did not until years later. There was no notice that my payments did not qualify so until I got my rejection notice in XX/XX/XXXX, I did not realize that my payments did not count. I believe I should have almost 4 years in towards my loan forgiveness plan, but I am only getting credit for three years of payments.
I believe Fedloan Servicing should count the payments I made prior to switching to them.
I paid off the amazon store card in full and closed the account. Apparently a refund arrived on the card at some point and I am owed some amount of money. The collection company seems to think that because the balance is not XXXX I owe them something and they call 5 times a day. However, if I actually talk to them they realize after wasting 10 minutes of my time that they owe the money to me! While they promise to send me a check and correct the account, this never happens. And an hour or two later they will call again! This has gone on for weeks. 

SynchronyBank, via Amazon Store Card program.
I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XX/XX/XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.
I checked my credit report via credit karma and credit karma showed a new creditor had been added on my report on XXXX XXXX that i owe money from an opened account on XXXX XXXX for XXXX $ by law office of mitchell D bluhm and reimbursement technologies when no such debt was made. I have not done any business with anyone to have generated this account. It must be removed immediately for it is in error
Diversified Consultants be gan reporting a  XXXX  debt to the consumer credit reporting agencies around  XX/XX/XXXX . The debt of {$260.00} was reported as being a delinquent beginning in XX/XX/XXXX . Beside the fact that I owe no debts to  XXXX , there has been quite an issue concerning the collection by Diversified.   First, I was never given written notification that they were collecting on this debt. My first time hearing of it was when I saw it on my credit report, too late to dispute it before it affected my score. I have reached out to Diversified since, disputing the debt. I have also disputed the debt through the individual credit bureaus to which it is being reported.   Diversified has verified to the bureaus that the information is accurate. And to me they sent a bill to prove the legitimacy of the debt. A bill with a total much different from the one they are reporting. The bill theyve sent me is for {$350.00}, while the reported balance is {$260.00}. This is not to say Im claiming that I owe more than what they are reporting, but rather the opposite their own validation documents dont match what theyre reporting to the bureaus. It doesnt seem like this debt collector puts much effort into confirming their own reporting and actions.
Upon trying to open a checking account with Bank of America, I was told that I've already had an account with them. Bank of America informed me that the account was opened in 2008, but I NEVER had a bank of America account before! Someone fraudulently used my information to open that account! I was also told that there is a debt of {$600.00}.
I  obtained my credit reports on line. There were a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the informatio   n with the ORIGINAL CREDITOR, they must re
move said information from the consumer credit file. <P/> My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entrie
s on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
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The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
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Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1   ) ( a ), you are required by federal law to verify through physica  l verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
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Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the   XXXX    Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
I have tried to contact a company attempting to collect a debt which is not being verified/investigated as per my request with FDCPA compliance. The collection/debt buyer is LVNV Funding LLC. I have submitted requests to the Credit Reporting Agencies and the creditor has yet to comply and repeatedly sends my invoices from their company as proof of validation. Yet this is not what I asked for and that proves nothing other than they have my name on a file. 

I received notification from pressure tactics ranging from letters from other debt collectors working for LVNV under the name XXXX XXXX XXXX XXXX. also identified as debt collectors, also telling me I can challenge the validity of the debt. When I do, the company does not comply. 

I am asking the CFPB to help mediate the matter and force the original investigation with the above noted company so that actual compliance can be wrought.
well I have be fraud my family members even siblings also I do understand why come I had to get my identity stolen. 
my name is XXXX XXXX. and I just want to protect my information. and my I was thinking to get a P.O box because I wanted to not use the address that's XXXX XXXX XXXX XXXX to send any mail there. people there take others mail. so that my mail. will be safe. but as of right not I'm XXXX. college student at this time.
I mailed a dispute to Transunion dated XX/XX/2016. Since that time I was under the impression that my disputes were being investigated but I received a letter from Transuion a few days ago dated XX/XX/2016 informing me that they needed proof of identification when I sent in with my dispute.
Made over the phone payment on XX/XX/2018 in the amount of {$99.00}. Payment ID # XXXX. It shows on their end payment is still processing and failed to notify me about the issue. I contacted my bank and they are unable to locate the any issues. TDRCS/ XXXX XXXX FOR LESS acknowledges that there is a problem but is doing nothing to fix it. They lowered my credit limit due to the payment being late. My credit has now dropped XXXX points and TDRCS said their is nothing they can do about it.
I paid XXXX in full directly and by law, they must recall the account from Convergent, which they said they would, Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
i had XXXX with no income coming in i fell behind. I explain this each and every time i 'm contacted. I could n't make the agreed scheduled amount so i send what i can get from family and friends. 
That 's when the calls started coming daily up to 6 times a day starting from XXXX until XXXX XXXX including weekends. I know i owe this debt and looking for work as the Doctor recently released me back to duty with limitations so it 's hard trying to find work with limits. 
But i am trying.
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 2017
My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009.
I am concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the account XXXX XXXX XXXX  XXXX , I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Did not even know about the debt initially until I was applying for a credit card and it came on the report. The debt was an invalid debt from the apartment complex and I was speaking with them when my lease ended in XX/XX/XXXX to settle it. 

Once I found out about the debt, the address that was shown on my credit report was not the address their office was located for any resolution letters to be sent so there was no way to contact them by certified mail. I did more research on the company and found out they have a different address that is not listed on the collection reports and it was the correct address. I requested them to validate the debt around XX/XX/XXXX, which they agreed to not report the debt for the period of time they were validating it because they needed more than the 30 days in order to do that ( it never stopped reporting on any of my reports during that time frame ). When they validated the debt all they provided was the receipt for the apartment complex that used to own the center I was residing at ( which that company is n't even there anymore ). The amount that they stated was owed was approximately {$260.00}, but for some reason the collection amount they said I owed was {$290.00} which was invalid. 

After I received all the information and discussed with them how everything was invalid they still continued to report the invalid information. 

XX/XX/XXXX I contacted my attorney to communicate with them in order to get this issue resolved and the invalid account removed. They resolved the debt, but the account is still reporting negatively and inaccurate information.
I have written Portfolio Recovery and made calls asking them to cease all contact. They sent a letter to me acknowledging my request. On XXXX/XXXX/XXXX at XXXX XXXX XXXX Portfolio Recovery ignored this request and contact me via phone which they were not allowed to do. Portfolio Recovery has violated FCRA and I demand they stop contacting me regarding a debt I do not owe. This debt is not valid and they continue to contact me even after they have been told not to.
They never sent me a letter to see if I could dispute!!!! They Also never gave me the results of the test!!! They supposedly gave me several test. I never got the test results!!! I NEVER GOT A LETTER ABOUT DISPUTING THE DEBT!!! ALSO THESE PEOPLE JUST PICKED UP THE BILL WITH OUT MY CONSENT!!!!! I NEVER aske THEM TO PICK UP MY BILL!
I am a victim of identity theft I have worked extremely hard with Equifax a year now about my credit I have sent verification of documents, Police Report from the XXXX police department, even hired an attorney who has been communicate with this company. I also have documents from the company that are fraudulent on my credit for inquiry to open accounts. it has been more than a year almost the inquiry are still on my credit. those company has informed all three of the credit bureau. Equifax has changed my credit score down I have not apply for any account yet my score is down when I last check it was in the XXXX or higher. I called to ask what was going on a young man by the name of XXXX I sure I am not spelling his name correctly but that is the way I had received it when I asked him to spell his name. Because I informed him that I was recording our conversation for documents purposes I was told to resend the same documents again to fax # XXXX witch is the Dispute Dept. and send it again to the Fraud Department # XXXX these are the company that sent me letter of open fraud applications. now I have 17teen inquiry they have not removed. The young man told me they still are showing my maiden name but the Equifax credit show XXXX XXXX. He said it still shows XXXX XXXX I have the change on my Equifax that's why I know they received my information. I don't understand why they are not updating my credit. XXXX, XXXX, to applications, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX two times one was tired for 2days in the same month. another in XX/XX/XXXX. I informed XXXX XXXX XXXX about the situation that is was fraudulent they said they had already reported to all three credit. XXXX 's had showed the application as fraud and sent it to all three credit bureaus, I still have other things that I am disputing My lawyer has taken over that. I hope this issue can be resolved soon.
National cr edit Systems   XXXX   XXXX   XXXX   XXXX , ga  XXXX  on  X/X/2017    was given a call in reference to work out payment arrangements on behalf of my niece. I recorded and informed the representative I was speaking to by the name of  XXXX   XXXX  who was the only representative that I was ever able to speak to. While speaking to  XXXX   I a sked him for our options outside the balance in full and let him know I made a {$5.00} payment on the account via debit card on  X/X/17   .  XXXX  then asked me what was I expecting to attempt making that payment. I informed  XXXX  the payment was made because he had threatened to attempt to garnish her wages.  XXXX  then said their calls are recorded and I said so i s this one t hen  XXXX  said he has to terminate the call. I attempted to call the company back multiple times but kept getting forwarded to voicemail. The representative also threatened the consumer with not be able to get student loans because of this which is totally false. I work for th e   XXXX   XXXX   XXXX  . So I left a voicemail on the representatives machine letting him know I will be filing a complaint with the Attorney general and that since they will not accept payment nor arrangemen ts we will consider this debt as paid for. Then I moved forward from there to file the complaint. I believe was this agency is trying to do is agains t the Unfair Deceptive Acts Abuses and Practices act also. Plee let me know what to do forward. I do  still have the recording.
XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.
In the summer of 2012, the company I worked for was shut down. Without work, I was forced to part ways with my apartment complex, XXXX d.b.a. XXXX. XXXX XXXX XXXX hired a CONTINGENCY based collection agency in XXXX, called Rent Recovery Solutions. I attempted multiple times to settle the debt with Rent Recovery Solutions, but they refused. I have not received any contact from this agency in over two years. I decided to call and offer to settle again, which they also refused. They informed me they did not purchase the debt, and therefore, do not own it. So I decided to call the original debtor directly to negotiate a settlement. As I found out, the original debtor, XXXX XXXX XXXX, filed for bankruptcy and dissolved in 2012. I spoke with the new property management, and they have no records dating that far back. There is not enough information to verify this debt exists any longer if the original debtor is completely dissolved and did not sell the delinquent account to Rent Recovery Solutions to collect. I contacted the collection agency again to discuss the matter, but they will not return my calls. Rent Recovery Solutions is falsely representing themselves as a 3rd party representative of XXXX XXXX XXXX, a company no longer in business. Without the collection agency purchasing the delinquent account, they have no right to collect.
COMMONWEALTH FINANCIAL has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMONWEALTH FINANCIAL any alleged debt and would like them to provide proof of claim with authenticated verification. COMMONWEALTH FINANCIAL has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
When the company called me, I stated that they had the wrong number, they were looking for a XXXX. Then he tried to confirm the address and again i stated that had the wrong number and he states that I am just asking a question. Asked for the company 's information and advised that i would be filing a complaint.