WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, account no.XXXX  is erroneously reporting on my EXPERIAN AND XXXX  reports post dispute.The account, balance history, charge-off status ... everything is wrong.First of all, what they are missing was that I paid off the account, over the phone with my XXXX debit card when the total balance was about 250 dollars..no evidence of that in the record.Secondly, the account is re-aged, the date of 1st delinquency is about 9 months prior to what the record states.

Delete the account from all bureau files ... I can acquire my bank records any time I need it even if they are archived to prosecute the bank and the bureau for statutory damages due me.When my purse was stolen in late 2014 for which a police report was filed someone gained access to my identity and opened many credit accounts in my name.If they were able to abuse this account, they did, they were professional thieves.
XX/XX/2018 No Action was taken and this is not the first time. this has happen several times. I Don't Remember the Dates though sorry for that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA. XXXX
I have been the victim of financial fraud by a family member that was XXXX time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
Bank of America canceled debt on XXXX accounts. 
They also show " placed for collection '' instead of " canceled debt '' I received this XXXX for tax year 2013 for both accounts yet they still report it on my Bureau with differing amounts from the XXXX and although canceled, they still report it as a collection account instead of closed/canceled. It is canceled and I paid taxes on it in 2013. I do not seem to have any rights as a victim to get this corrected. BoA should not be allowed to both cancel it and report it open, I understand it will show on Bureau as canceled debt, but they should not be allowed to continue to show it as an open balance since they told the IRS it was cancelled. 
I am trying to clear up issues that were not my doing, but were in my name, my name and SS # were fraudulently used multiple times. Please help me in this matter, I can not seem to get BoA to willingly fix this issue that is clearly being reported incorrectly.
XXXX XXXX XXXX XXXX and XXXX XXXX was previously deleted and now reporting once again
I purchased my home in XXXX of 2015. I made payments to my initial mortgage company, First mortgage, until XXXX 2015. In XXXX I recieved a goodbye letter stating that my mortgage had been bought out by Freedom Mortgage. The letter was a mistake. it even had the wrong account number on it. I sent a payment to freedom mortgage to this wrong account number and thought nothing of it, until i received a letter from first mortgage stating i was behind on my mortgage for the month of XXXX. I quickly called and told them that they had sent me a good bye letter and told me it was a mistake ( i have proof of this letter ). they told me i would have to find the money. I called freedom mortgage and explained the mistake. they said they would send the check for XXXX to first mortgage directly so i figured it was handled. I was wrong and the check never arrived. I continued making payment to first mortgage then in XXXX I received a letter from Freedom mortgage stating that i was late on my mortgage payments. now I was really confused because first mortgage had told me i was with them. I never got a real official goodbye letter from first mortgage or a welcome letter from freedom mortgage. I called first mortgage to confirm i was transferred over and i also called freedom mortgage to confirm. this time the transfer was for real but they made a mistake. They transferred me with a missing payment from XXXX, but the only reason i was missing a payment from XXXX is because of their mistaken goodbye letter in XXXX. now they say i am in default and they are sending me threatening letters. 
All in all i have proof that i have paid every mortgage payment, since the day i bought my house, on time to this day. I have never missed a payment and i have proof! It was all mistakes on their part but they can not figure it out!
Sent XXXX on XXXX XXXX via XXXX XXXX to the code city for XXXX XXXX XXXX TX with the Account Number as of XXXX XXXX the Company states they have no record and can not find payment, when trying to pay with checking account online receiving the run around
First Niagara Bank was sold to Key Bank. On XX/XX/XXXX, the date of the transition, it took over 4 hours to gain access to my accounts online. On XX/XX/XXXX, Key Bank deducted my mortgage payment ( they call it 'auto deduct ' ) which I did not authorize. This caused an shortage in my acccount. Key then deducted funds from my savings account to partially cover the shortage. When I discovered the error, Key told me it would take 10-30 days to correct. I left work ( losing pay ) and went to a branch and demanded the error be corrected immediately. It was corrected the next day. The following week, Key again overdrew my account by making duplication payments to XXXX other accounts. Unfortunately, they did not reverse their unauthorized deduction from the savings account so I had no funds to rely upon while Key figured out how to correct the error. They then accused me of setting up something they call " Auto Deduct '' which I never used with either Key Bank or First Niagara. On XXXX/XXXX/16, I set up a bill payment for my mortgage with Key Bank and the funds were deducted. 
As of XXXX/XXXX/16, the payment has not been posted and Key Bank departments - Mortgage Servicing, Online Banking or the branch - can figure out why the payment is not posted. All departments acknowledge the withdrawal of the funds from my account, however, I receive daily calls about a late payment, and daily mailed notices with threats that my credit rating may be in jeopardy. This is not fair or right. I did not ask to be transferred to Key Bank and since being assigned to them, I have to check my account online at least 3 times per day to insure that the bank has not tampered with the account without my knowledge. Their lack of internal controls, their obvious inability to handle the transition of accounts from First Niagara and they accusatory behavior towards their customers should be dealt with. I am trying to go to another bank but refinancing my mortgage will cost me even more money. But I am at the point that I have no other choice. Can you help me get through to Key Bank and have them fix their errors?
Received a call from XXXX. When I answered there was no one on the phone and after several seconds the caller hung up. When I called back a man answered and did not say the name of the company or that he had called me in an attempt to collect a debt. He told me he was calling about a payday loan I had taken out with XXXX XXXX Loans in XX/XX/XXXX. He said he wanted to know what I was going to do about it. He never told me the name of the company that he was calling from but told me that he has tried to contact me several times which is false. I have had the same phone number for over 10 years. I told him that it is now XX/XX/XXXX and in the state of Arizona payday loans are illegal and he should not be contacting me regarding a debt over 7 years old. Once I said the word illegal he seemed flustered and said that he had to terminate the call. Then he hung up. In the past I have taken out payday loans but I do not remember taking one with XXXX and I do not recall how much the loan was for. The man I spoke with said my account number ended in XXXX digits and when he said the XXXX digits they were the last XXXX of my ssn. Now I am worried that I may have a identity theft issue
XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact Exeter who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : Incorrect Address : XXXX, PR XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 


XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX I am disputing this account in its entirety because I feel that it is a violation of the Fair Credit Reporting Act. Please check with the furnisher of this account and make sure it is 100 % accurate and verifiable and delete it from my credit report. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX Please review the late dates reporting on this account. The months you are reporting do not match my records. Please remove all lates from reporting on this trade line. 

XXXX Please run a full examination on this account name and number because it does n't look right and delete this account from my credit report. 

XXXX Please check out account name, number, type, terms and payment amount I do n't think it 's 100 % correct. Please remove this account for violating the Fair Credit Reporting Act. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX Under the FCRA, I request an investigation on account type, name and number it does not match my documents. Please abolish this account for it 's errors.
they have not sent me paper statements for months now, i have not and never will sign up for paperless statements. i have received neither. also they have never let me draw on my heloc, they are impossible to get in touch with someone that can answer any questions. typicall corporate run around
Several months ago I purchased about {$6000.00} in furniture from XXXX. 
I was offered to finance it interest free by their credit company, XXXX. 
I accepted the interest free offer and financed the purchased with XXXX. 
The only reason I accepted their offer is because its INTEREST FREE.

Within about a month or so my credit score dropped from above 800 points to about 750 points. What a shocker!!!

Consider this. I have an {$11000.00} credit line with XXXX XXXX, and no matter how much I charge on this care I pay it off completely every moth BEFORE any payment is due. I could have put the furniture on this care but why ; when I can spread the payments over a year or two, interest free. Its simply good business to do this. Further, I pay all my bills on time every month!!

The three credit reporting agencies have little or no respect for the average consumer. This kind of treatment is a SHAM!!!!
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Ally Financial on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
Case number : XXXX Related Case Number : XXXX Chase receivables has been notified of the fraudulent activity for which they have a collection. The agent stated that the merchant was notified and that there was no information needed from me as I am not liable for the fraudulent use of my account. 

Chase Receivables has not submitted for removal of adverse and incorrect information on my credit report.
XX/XX/2016, we were in the process of switching from Wells Fargo Bank to another bank as we have had several fraudulent transactions in the past year. The latest one was in the amount of $ XXXX from my daughters and my account to my husbands and my account. About 2 minutes after doing so my account password and address changed and I was notified by the bank by email if I had changed my password so I ran this through their fraudulent dept. a few days later XX/XX/2016 I received a phone call from a women who said her daughter works at the XXXX next door to the Wells Fargo Bank in XXXX, which was our bank at the time. Her daughter went out to the dumpster that sits between them and Wells Fargo Bank and found a bunch of papers scattered around the outside of the dumpster on the ground. When she looked down she saw one that had all of personal information on it so she took a picture of it, then told her mother on Thursday. Her mother said that they needed to contact us which they did from the information that was on the document. The daughter did not pick up any of the papers which mother saw the email address and sent the pictures of the papers which clearly show the paper. The document had our full names, tax ID, address, phone numbers, and full social security numbers on the page. I immediately called the XXXX police which were right across the street, they gave me a case number but said they really could n't do anything about it. The next day my husband went to the dumpster and all of the papers were still there, no at least 4 days laying there. He took pictures of the surrounding area of the dumpster with the view of the bank and the XXXX restaurant and also picked up the document that has our personal info on it, which was page XXXX of XXXX as well as a deposit slip that had someone else 's name and account number. We called the XXXX police again and told them the papers were still out there on the ground and they said all they could do is come over to the bank why we talked to them but we decided not to do that until we spoke to someone else, but the police have documented our information. That afternoon the same girl from Wingers went over again and saw another paper with our information on it, she picked this one up, which my husband had missed. This one said page XXXX of XXXX. This area has a lot of homeless people etc. that look through dumpsters for food. The mother and daughter said they would testify about everything they saw. We would like to take some legal action as we have no idea who might have all of our information. I will attach the papers so that you might review them. Thank you.
Debt was in dispute with original creditor earlyXX/XX/2018. 

Collection company called XXXX XXXX XXXX attempted to collect in XX/XX/2018. XXXX XXXX XXXX failed to verify the debt and they were also notified it was in dispute. They were unable to validate or verify. Transfer or reassignment consent was not given and they were demanded to validate and verify. 

The Debt was reassigned to Merchants Adjustment Service. We have since requested and demanded validation and verification or the alleged bill. 

Complaint is about the transfer or reassignment of the collection attempt with another company. My understanding is that this is illegal under the FDCPA.
Last month, my credit score was XXXX. Today, the Experian Credit Monitoring Service notes that my credit score was downgraded by XXXX to XXXX! More concerning, ( 1 ) I have not applied for new credit, ( 2 ) I have not been late on my payments within the past 24 months, ( 3 ) No accounts have been closed, ( 4 ) I have not used my credit cards in since XXXX 2015, and ( 5 ) no credit inquiries last month. 

I would like the credit bureaus to explain why my credit score dropped. I am currently paying $ XXXX/month to monitor my credit because I want to improve my credit worthiness. As a customer, I should be entitled to know why my credit score dropped because it is not showing up on my credit reports. Please advise.
I have been going back and forth with Wells Fargo for about two years trying to do a short sale on my home. Throughout this entire time the bank has made mistake after mistake in handling my account. They came back time after time asking me to provide information and documentation that I had already provided. They called XXXX over and over again even though I told them to cease and desist communication with him as he has medical issues preventing him from being able to comprehend such issues. Now we are finally to the point that things are moving in the right direction and we have been approved for the short sale. We have the buyer inspector coming on the property however when he comes he is making request for me to repair and fix things. I am more than happy to do so however he is making it difficult because when I fix the things that he asks me to fix he comes back and asks for me to fix more things. I 'm doing everything that I can do to work with Wells Fargo and now that we are finally at the point that we could possibly close on the house and move forward I receive word that the bank will not grant me any more extensions on the short sale. I can not believe that after all that they have done to me and my family over the last 2 years that they can not partner with me to finalize thing and give me the time needed to get the house closed. This WOULD have been do n't months ago should there have been a confidant employee handling my account in the first place. I am now so overwhelmed trying to work with this mess of a company. Every mistake that this company has made has taking so much time to fix and all I 'm asking for is the time that I need now to complete what should have been completed MONTHS ago! I 'm shocked that this company would rather sell this house at auction rather than getting the fair market value for the property. At this point I will be contacting an attorney to investigate the way my case has been handled and pursue legal action against this company.
Today i contacted Jacob Law Group in regards to a debt they stated that i owe. I spoke with a rep name XXXX. XXXX was extremely rude, told me that i need to stop being like " other XXXX people in america '' and take care my responsibility. She cursed, called me all type of racial names, this is unacceptable.
they mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
I checked my credit report and there was a company I had never heard of. I never conducted business with. This company is XXXX XXXXt Address : XXXX XXXX XXXX XXXX XXXX, WI I wrote a certified letter to the company but I still did not receive a response.
I recently moved to Arizona where I established a phone line through my cable provider for work purposes, as I do work from home. My employer reimburses me for this phone line so it is considered my work phone number. 

I received a call from XXXX XXXX on XXXX/XXXX/2015 @ XXXX in which I requested the number he called to be removed from their system as this is not a personal number and used only for business purposes. He continued to aggressively try to make me arrange a payment even after I requested no contact and asked that he only contact me on my cell phone number, which I know they have on file, as they have contacted me @ that number in the past. 

Then again on XXXX/XXXX/2015 @ XXXX, I received a call from National Recovery. I advised that I told them last week not to call this number, that it was for work purposes only. He was belligerent and rude and told me that I needed to advise of this in writing. I know my rights and a verbal request to not have contact @ my work phone number is well within the scope of the law. He refused to hear me and continued to argue with me over the phone. I politely terminated the phone call.
Greetings, I signed a contract with XXXXXXXX XXXX XXXX inXX/XX/XXXX and again inXX/XX/XXXX. I bought out of my contract on XX/XX/XXXX ( XXXX ) because I had sold the house with the security system in it. I received a debt collection notice notifying me that I owed them XXXX. When I spoke with the Senior collections person above XXXX XXXX ( McCarthy , Burgess & Wolff Collection Agency XXXX Extension XXXX  ) she had said that I was suppose to notify XXXX  in writing of the cancellation of the contract. The person at XXXX  did not disclose this to me at the time of cancellation. I asked if I could get a copy of the recording of the conversation on XX/XX/XXXX with XXXX and the collections person said that I would need a ticket number, of which I do not have.

I was never billed by XXXX  to my new address, so I was completely unaware that this company was continuing to bill me. XXXX  had my new address and they also had my husband 's credit card number, which was also not billed.

When speaking with the senior collections person at McCarthy, Burgess, & Wolff, she stated that in one year and 6 months of working with this company only 2 complaints have been mistakes. When I did not read the contract in full about the cancellation process, that it was " on me ''. Which leads me to believe that this type of predatory collections is rampant and pervasive.
Your company is reporting this account as opened in XX/XX/XXXX. This account was closed back in XX/XX/XXXX. You keep selling to other companies and restarting the open date to stay on my credit report. Please send verification showing that your dates are correct. 
.
I tried to get credit for XXXX XXXX and they turned me down because there is a security Freeze on my account for my protection. They flat refuse to recheck my credit. Then XXXX refused to provide a credit report based on the Date being today that Google rejected my credit application, XX/XX/2017 as invalid date for requesting a credit report for an adverse action taken against me as I was notified instantly by Google that I was refused credit and need to pay full price for a cell phone, and XXXX instantly refused to provide a report indicating why. Both Google and XXXX credit reporting agency are at fault here.
After many attempts to reach a better payment options with Sallie Mae they refused to help me and my cosigner under the pretense that " we have more than enough money to make the payments ''. Now mind you my cosigner is battling XXXX and I work for a non-profit and don't make that much. Now they have resulted in daily harassments towards me and my cosigner. The harassments have been going on for months now. If this new CFPB do nothing I will sue Sallie Mae for harassment.
Reliance Recoveries ( XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) has attempted to collect on debt that I do no own. I provided proof that I paid it. They ignored the paperwork. I then requested that they verify the debt. They failed to provide anything. They have told me over the phone that they have ceased collection. However, they will not provide written notice.