WillisBack/dataset-financial-user-claim huggingface dataset:
I got a text alert from the credit bureau 's that someone had recently filed a collection on my credit file under a name other than mine. It was dated XX/XX/2018 from a collection company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL for {$770.00} for XXXX XXXX which I have NEVER subscribed to or ever had. The credit bureau said a new name was added to my credit file and the collection agency filed the collection under that new name. I've read numerous posts that this company is known for this type of criminal behavior, many whom are suing this company for its illegal practices.
I went through a loan modification process that took this company 1 year and a 1/2 to resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was  approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.
Account was oppened without my knowledge. Ive disputed it multiple times with the credit beuroes. Keeps coming back as " Account was in dispute-now resolved-reported by subscriber ''. Inncorrect reporting for multiple reasons. It's shows on time payments since XXXX ( 6months ) I've only made 1 payment ever last month ( XXXX ). " XXXX XXXX XXXX XXXX has flagged your account as Card Over Limit ''. I made the first payment ever last month to bring the balance down when I called and asked if I should make another payment I was advised not to because it was in dispute. So I didnt, and the following month they charged me interest or something on a closed account that I was told not to pay now the balance is higher than the limit it had. This company has no intention on resolving this they make me jump through hoops and keep me in a negative standing meanwhile. They have never kept me updated but continue to make up stuff on my credit report. Definitely a violation of the FDCPA 807, and the FCRA. Could you please look into this and get it resolved
after years of attempting to secure a loan modification ( 11+ % ) rejected each time, even w/hardship letters, ( XXXX ). company foreclosed, on day of Sheriff sale, we filed bankruptcy Chapter XXXX ( this is a legal automatic stay ) ( XXXX XXXX, 2017 ) XXXX XXXX Denied the automatic stay sighting a section 362 ( c ) ( 4 ) ( A ) ( I ) of bankruptcy code. Note : research of legal library failed to reveal such a provision. [ XXXX XXXX lawyer for Greentree/Ditech. No. XXXX Premises : ***** ** XXXX Rd. ******, **. 1**** ]. The XXXX County Sheriff 's proceeded w/sale. Even though the involved parties were aware of the bankruptcy. We know our rights have been violated be parties involved.
After submitting a dispute and information request to this company, they did not send me a reply or information regarding my debt. Instead, I believe they forwarded my information to another debt collections agency who reported the false debt to the credit bureaus.
WELLS FARGO has never answered my questions regarding escrow discrepancies, see attached letters from Wells Fargo dated XXXX XXXX, 2016 and XXXX XXXX, 2016. I do not know which information is correct and Wells Fargo has refused to help me stay in my home by transferring me to XXXX XXXX for service of my loan for XXXX and I had no idea my loan had been transferred.
We filed bankruptcy XX/XX/2018. We had the collection agency as well as the collection agency client list in the bankruptcy. The bankruptcy was discharged mid-XX/XX/XXXX. We are still getting collection notice from this agency. I have written them several letters advising them if this and to contact the attorney that handled our case. The bankruptcy case # XXXX. The collection service information is American Collection Services , INC, and the client information is XXXX XXXX XXXX XXXX.
I was given a Visa debit card as a XXXX gift by my employees. When I attempted to use the card I learned that it had a zero balance. Following a little more investigation I learned that several transactions had been made using the card number and had exhausted the cash value. I called XXXX at XXXX but could not talk to a person. I left my phone number with a request for a phone call I received nothing. A few days later I called again but was still unable to speak with anyone so I faxed all the information to XXXX at XXXX on XXXX XXXX, 2017. I was assigned XXXX case numbers XXXX and XXXX via a letter sent to me on XXXX XXXX, 2017. Yesterday a representative called my home phone and left a message stating that I needed to start the whole process over. I called again today and waited on the phone line for 30 minutes just hoping that I would get to talk with a real person. No luck. Please help me.
I recently pulled my credit report and found that NELNET\Education reported late payments regarding my student loan accounts. 
I believe this reporting is incorrect because I was in XXXX school during that time and my loans were in forbearance/deferment and did n't require any payments. 
I am requesting that this late payment be assessed for accuracy. 
Nelnet has not been able to resolve this issue after multiple disputes.
`THIS HAS BEEN AN ONGOING DISPUTE WHICH CONTINENTAL FINANCE HAS BLATANTLY BEEN VIOLATING MY FEDERAL RIGHTS TO HAVE THIS GOOD STANDING ACCOUNT REPORTED! 

Since XX/XX/XXXX XXXX, XXXX ( I have all documentation ) I have been disputing and corresponding with a supervisor name XXXX regarding my XXXX credit card ( XXXX ) being reported to all XXXX bureaus. I have been emailing and sending documentation to him ever since. he has been telling me he will have it reported but has not. From the very beginning XX/XX/XXXX when I noticed on my credit reports it was not being reported I contacted continental finance. initially, it was n't being reported to both XXXX and XXXX. its since been reported to XXXX but still not to XXXX. XXXX XXXX, supervisor at continental finance informed me XX/XX/XXXX that continental finance was in fact, reporting it but XXXX had a security block and that was the problem why its not reflecting on XXXX ( I have a ltr from continental finance dtd XX/XX/XXXX ) I then disputed XXXX and received results on XX/XX/XXXX XXXX, XXXX ( report number XXXX ) and the concluded their was in fact NO BLOCKS WHATSOEVER! 
Since XX/XX/XXXX XXXX, XXXX ( have documentation ) I forwarded the XXXX results stating no blocks and wrote/contacted XXXX XXXX and noted their was NO BLOCKS!. I BEEN PLAYING PHONE TAG AND AWAITING BROKEN PROMISES FROM XXXX XXXX EVER SINCE. 

IN CONCLUSION : Their are no blocks on XXXX end! continental finance states a block is the reason it s not reflecting on my credit report. this is an old account with many years good standing. I HAVE BEEN IN TOUCH WITH CONTINENTIAL FINANCE REQUESTING/SENDING DOCUMENTATION SINCE XX/XX/XXXX XXXX, MORE RECENTLY IN XX/XX/XXXX XXXX, XXXX LTR AND COPY OF DOCUMENTION REFUTING THEIR CLAIM OF A SECURITY BLOCKTHEY BLATANTLY REFUSED TO COOPERATE WITH FEDERAL LAW AND REPORT THIS ACCONT ON MY CONSUMER REPORTS!!!!
I began the process of refinancing with Wells Fargo in XXXX. It is now near the end of XXXX and they are requesting that I pay {$1000.00} to extend my locked in rate. They have already required me to extended it at least twice and the fees continue to add up. I have been extremely responsive when they have requested documentation ( normally turning around documents in less than 24 hours ). There have been multiple delays in the processing and they point the blame on others and take no credit for their ineffective process. On the occassions where I was able to speak with someone, I was told that it was company policy and they would not cover the fees to extend the rate. I should mention that I currently have my loan with them and I am looking to keep it with them. 

There seems to be little interest in keeping me as a customer. Their customer service has been poor at best. I am now faced with paying {$1000.00} or discontinuing the process and throwing away the money I 've spent on getting my home appraised.
This is about a problem with a credit card company. I live in XXXX, my son lives in XXXX. He is an authorized user on my credit card, which I provided him for emergencies. But because we live in different places, every time he tries to use it -- that is, during emergencies such as car problems -- the credit card company declines the charge. Even though he is an authorized user. I have called the company, even to alert them to charges, and the card is still declined. I 'm willing to do whatever I can to provide my son this safety net, but the credit card company makes this impossible. What is a father to do?
I do not owe this debt. Any further collection letters and/or calls will results in taking legal action against this collection agency.
Hello - I have requested TransUnion to remove account number : XXXX off my credit report for over 60 days. I have a letter from XXXX XXXX XXXX request the removal and TransUnion has not honored the request. This is stopping me from buying a house and I request this account be removed ASAP! I have attached the letter from XXXX XXXX XXXX for support.
I tried to talk to a live person for the credit bureau to freeze my credit report. That bureau, SageStream , LLC Consumer Office, formerly known as IDA Inc. There is never possible to talk to live person in their business hour and only allow me to do voice mail which is so inconvenient. They do not accept foreigners request as they strongly need their list XXXX files to do freeze report. And the files literally give people no way to make freeze done. For example, they want NON-US Person US PASSPORT picture page,, they want Birth certificate where they have no ability to read other language file and if you submit they would not accept them. Weird thing like that can list endless. 
They revoke foreigner 's people right for their own credit report freeze.
I have made disputes to both Experian and   XXXX   regarding information reported on my credit file that is not correct. Experian made it difficult to confirm my identity because they are relying on fraudulent accounts as verification. I have submitted several disputes and made phone calls to  XXXX  and after a re-investigation, I received an email that advised me to call   XXXX    for further information if I still dispute the item. When I called  XXXX , they stated that the collection agency " verified '' that the account was in fact my account. When I asked what was the proof that they provided, I was told that the collection agency confirmed that the account in question was associated with my social security number. Well of course it is, that is what I am complaining about ; someone using my " identification '' fraudulently. That is the basis of the dispute.  XXXX  stated that I would need to contact the collection agency because they believe the collection agency. This is the proof? that the social security number belongs to me? I contacted the collection agency "   XXXX   '' and they stated that the account is being reviewed by the fraud department but it appears to be my account. I provided a police report number and information forwarded to me by the police department. The reporting agencies refuse to remove false information and I am losing money by purchasing different credit monitoring companies to gain a way to dispute these items. The collection agency states that they will send an update to the address on file. The address on file for a cable bill. I reiterated that I never have lived at that address, let alone the city where the fraud occurred. Where is the proof from these companies. I must show the burden of proof, not them. I was never notified of a bill, therefore a collection was reported on my credit file without my knowledge, and now that I know there is such a collection, they ignore the facts that prove it is not mine. I have researched the address and found the name of a person who lived there during the time of the fraud. Neither the reporting agencies or collection agencies perform due diligence.
My wife and I are on Income Driven Repayment plans while I am a XXXX XXXX as we have a partial financial hardship. I am on PAYE and she is on REPAYE. Our loans are held by XXXX ( PHEAA ). 

On XXXX/XXXX/XXXX, I received a notification to submit annual loan recertification documentation. My wife and I submitted those documents promptly on XXXX/XXXX/XXXX. 

We received emails on XXXX/XXXX/XXXX confirming the receipt of those documents. However, there was no indication in our online portals that these documents were received or that processing had begun. 

Today ( XXXX/XXXX/XXXX ), I received an email from XXXX stating that I needed to recertify as the deadline was rapidly approaching ( XXXX/XXXX/XXXX ). 

I called XXXX at XXXX XXXX/XXXX/XXXX and waited 20 minutes on hold. The agent I spoke with said " That 's  strange that you received a notification so early. '' and that " Since you submitted so early, your application was placed on hold ''. 

I asked when my application would be processed. She said " 1 to 2 months, but not before XXXX/XXXX/XXXX ''. I expressed my concern that this would be insufficient time as my plan expires on XXXX/XXXX/XXXX. She stated " you have nothing to worry about '', but would not give any sort of confirmation or offer to expedite the processing of my application.
On XXXX XXXX, XXXX, I filed for XXXX XXXX bankruptcy protection in the state of XXXX ( XXXX ). As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX was XXXX. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was XXXX as such. Despite being XXXX, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XXXX of XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.
I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BEGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.
I have been repeated called by Portfolio Associates after changing my number XXXX times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You
I have paid the debt. It was already removed from my XXXX but has not been removed from my XXXX
I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$5100.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Had a credit card charged off XX/XX/2014, was sold to a collection agency for {$300.00} more than I owed. Midland Financial 's local counsel attempted to contact me via phone and mail at my father 's home, an address that was never associated with the credit card and has not been used in association with my personal or financial information for over a decade. He is in the early stages of dementia, and as a result phone messages get deleted, letters get misplaced, and when the collection company filed a civil suit against me XX/XX/XXXX he signed for and subsequently misplaced the summons. Discovered the summons in a pile of papers while helping clean his house, and due to the time frame between the discovery of the summons and the trial I opted to just pay the debt as opposed to attempting to mount a defense, since local counsel was not willing to negotiate for the same reasons. My credit report, drivers license, etc. all have my current address and phone number listed, I feel there was a lack of due diligence on the part of the debt collector, either by accident or design. It should be noted that I moved a little over a year ago from the address that was associated with the credit card and filed a change of address with the DMV and mail forwarding with the USPS. The original address and my current phone number were both on paperwork attached to the discovery section of my writ of summons.
I have worked as a XXXX XXXX sinceXX/XX/XXXX to present. I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX and for the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXXto present. I certified both employers with the PSLF program. I have been making payments on my loans since XX/XX/XXXX without interruptions, deferrals, forbearances, or late/incorrect payments. On XX/XX/XXXX, I received a payment-tracking letter stating that I had made 40 qualifying payments from XX/XX/XXXX to XX/XX/XXXX. This is incorrect. I have made 51 qualifying payments from XX/XX/XXXX to XX/XX/XXXX ( 4 years and 3 months = 51 months ). I made numerous calls to inquire about the 11 missing payments and onXX/XX/XXXX, and XXXX XXXX XXXX  requested an audit to correct the payment tracker. It is now more than 10 months since the audit was requested and I have not yet received the results of the audit.

Although the payment tracker is missing 11 payments, a XXXX XXXX XXXX  agent ( Employee ID XXXX ) told me that following 9 payments are the only payments at issue : 1. XX/XX/XXXX- XXXX XXXX XXXX 2XX/XX/XXXX- XXXX XXXX XXXX 3. XX/XX/XXXX- XXXX 4. XX/XX/XXXX- XXXX  5. XX/XX/XXXX- XXXX  6. XX/XX/XXXX- XXXX  7. XX/XX/XXXX- XXXX  8. XX/XX/XXXX - XXXX XXXX 9.XX/XX/XXXX- XXXX XXXX XXXX  I have uploaded all the documentation I have to XXXX XXXX showing that these payments were properly made. Every month I call to follow-up on the audit and I am told that all missing payments are still at issue they can not tell me when the audit will be complete. There is a Massachusetts law suit brought by the MA attorney general about this same issue. In addition, numerous classmates I have contacted in CA report similar issues with their payment tracker being incorrect and being unable to resolve this issue with XXXX ( despite having documentation showing payments were properly made ). Please let me know if you need any additional documentation.

Thank you, XXXX
At Bank of America with them for over 20 years. I was expanding my business so I opened a account changed from a sole prop to LLC on XX/XX/XXXX on the XX/XX/XXXX a XXXX XXXX to a XXXX XXXX for XXXX. I new nothing about the account was unused at that time I receive a overdraft notice so I added more money when I noticed it was coming out I put a stop payment on XX/XX/XXXX though it was stopped it started right back up. I stopped it again and received a stolen money letter from the bank manager. Then the XXXX XXXX  just drained it all. Come to find out it was a wire with I have a special wire account for that. All the while calling the ph number associated with the account dead number I ask them to help with the faxing and helping me get the money back the sent it to the ACH dept not the fraud dept the gave me a number to call I did A senior at B of A said the bank it was wired to XXXX XXXX on easy cost was empty and they we not gon na give it back. All in total  {$3500.00} dollars and the loss of my business this was Fdic secure money and they just let it get stolen i made a police report
I have been arguing with  XXXX   XXXX   XXXX  over disputed late payments for   XXXX   months. They claim they have no record of our conversations and wo n't remove the lates from my credit report.     Since our last conversation, they have made changes to previous leases reported to Equifax in an attempt to further ruin my reputation. They are targeting me because I reported them.     They are now claiming that a lease I had in  XXXX  ( acct #  XXXX  ) was included in a Bankruptcy Chapter  XXXX  and became delinquent in   XXXX   XXXX   None is this is true. There was never a delinquency, and there was never a Chapter  XXXX  B/K.     I do n't appreciate  XXXX   XXXX  bullying me by trying to claim that a lease that ended without incident almost   XXXX   years ago was delinquent or subject to a phony bankruptcy.