WillisBack/dataset-financial-user-claim huggingface dataset:
Apparently, at some time in the past I ordered an item and it was shipped to me using XXXX. A month or so ago, I received notice that XXXX was not paid by the shipper, and if further collections efforts by XXXX did not result in a payment from that shipper, they would come after me. I had never heard of something so absurd, it 's like a meat supplier not being paid by a restaurant, so the supplier waits outside the restaurant and when you finish your steak they jump you by your car ... 

Anyway, as you can likely predict, the company never paid XXXX and now they are coming after me,. I ca n't find the original collection notice so I do n't even know who the shipper was, and XXXX has no interest in telling me. They are increasingly rude and belligerent toward me, and want to hear nothing but my credit card info, which they wo n't get. I know I paid for the shipping since I have the item, but I ca n't prove it because I do n't even know what specific item we are even talking about. It 's circular dislogic at its worst and the only company with all of the data is n't interested in helping, only harassment.
This is in response to complaint XXXX. Equifax is being disingenuous. I sent them credible evidence which was actually the cover page of their credit report and their letter and they STILL HAVE NOT SENT ME A CREDIT REPORT!
XXXX XXXX XXXX, XXXX KEEPS TRYING TO COLLECT XXXX XXXX '' s, STUDENT LOAN FOR XXXX XXXX XXXX XXXX, LOAN NO.XXXX, CONFUSED WITH XXXX NO.XXXX. ( SEE ATTACHED ). THEY ALSO KEEP CALLING MY DAD 'S CELL PHONE 23 IN 3 MONTH 'S.
I had paid off this account on XXXX XXXX 2015 to Green Tree Servicing in the amount of {$120000.00}, as the proceeds were wired to them by the closing attorney. I have asked them to send me the exact posting information, as how much was posted to the principal, interest, escrow and what kind of fees were charged. Instead Green tree field a Foreclosure against me in the XXXX, SC on XXXX XXXX 2015 ( which was later dismissed after i became aware of it and sent their attorney an email ) Until today, Green Tree has failed to provide me with any detailed information. The only letter I have received says that there was a check sent to me on XXXX XXXX, 2015 ( This is XXXX 2015, not XXXX 2015 ) in the amount of {$1700.00}. When I call their customer service, they give me run around and treat m every rudely.
I financed my house with Quicken Loans and Allowed them to run my credit twice yet I have 8 credit inquiries from this company disguised as other companies such as XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and as XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. While the dates in XX/XX/XXXX I admit to because I was trying to buy a house and, XX/XX/XXXX when i let them check it for a refinance opportunity, the rest were not authorized. I spoke with them regarding this situation multiple times and was told that even though they have no proof that i gave them permission to run my credit that they would not remove the inquiries because they didn't have to.
I paid {$150.00} for 3 months of forbearance and only used one month. I was told to call when i was ready to use the remaining 2 months as I had already paid for them I would n't have to pay again. They are now passing the phone around to other people in the office and laughing at my request. They are telling me to pay another {$150.00} for another forbearance request.
My mortgage was purchased by SLS lending. They had been given the incorrect address by the previous company a nd there was a delay in payments being made directly to SLS. As payments were being made to the previous lender the account was kept up to date. Once the error was realized I reached out to my previous lender and was given the SLS conta ct information. I called them on  X/XX/17    ( loan was sold on  X/X/17    ) and set my account up with my correct contact information. At this time I asked what amount needed to be payed to get my account in good standing and the current balance paid. I was told an amount by their customer service rep and I paid this using their website that was received. On   XXXX   I received a call from SLS asking when my  XXXX  payment would be received. At that time I said " I 've already paid it ''. The representative on the phone was not able to research but said that the payment I made was not sufficient to make the   XXXX   payment. After researching myself I have found ov er one  and half mortgage payments were put towards my principal even though I had outstanding payments to SLS. They have charged me " late fees '' and " property inspection fees '' due to my supposed late payments. The amount they have received since  XXXX  has been sufficient to keep my account current but they are incapable of applying the funds correctly and then ask for further payment. When contacting customer service today  (   XXXX  ) to inquire about the property inspection fee I was told it was an inspection of the property due to the late  XXXX  payment ( which they had received via the previous lender ). I was being transferred to an account  executive b ut instead just hung up on. The service reps are no help and give me incorrect information.
I received a Collections notice from Monterey Collections dated XX/XX/2018 in regards to a timeshare account with XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent them a letter to dispute the validation of the debt owed as well as to inform Monterey Collections that I have made prior attempts to notify XXXX XXXX XXXX XXXX XXXX that I am disputing the validity of this debt and of my intent to cancel this account and attached membership with XXXX XXXX XXXX XXXX XXXX due to the fraudulent misrepresentations that were made to pressure me into signing the timeshare contract. It has been well over the 30 days since I sent that notice back to Monterey Collections and they failed to respond therefore, they need to remove the account from my name and credit files. However, I recently noticed that they have showed up on my credit report.
I have been disputing this negative account that is now in collections since XX/XX/2017. I have contacted XXXX for the proof that the account is mines. I have disputed that the account isnt mine and i am a victim of identity thief. They keep replying to me and the credit agencies that the account is my responsibility and i owe the debt. I have requested paperwork that has my current information and signature. I have never received such paperwork. I have inquiries listed on my credit report that I didnt seek no credit from anyone. Someone is using my credit information to get accounts in my name.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order I have reached out several times to have unauthorized inquiries removed and Equifax will not do their due diligence and remove. I was negatively affected by their breach and I want all unauthorized inquiries removed. The inquiries are as follows : - XXXX XXXX XXXX XXXX BankXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXThese are unauthorized and fraudulent and have no open accounts on my credit report. Per my rights under the FCRA, they should be removed immediately. remove inquiries from CRA as does not show true depiction of credit history.
I paid off in full and closed my credit card with Macy 's in XXXX this past summer in their stores. Since then, I have continued to receive statements from Macy 's reflecting unpaid interest charges for my account being open. I have called repeatedly to have the charges removed and to have my account closed. Each time I call, the representative claims to have cleared all charges and to have closed the account. I am very concerned of how this impacts my credit rating.and find Macy 's actions to be harassment.
On XXXX-18 I sent a certified letter ( tracking # XXXX to JH Portfolio Debt Equities which was received on XXXX-XXXX-18 at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair  debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Nes systems keep calling about a debt for my son that does not use my number. They call several times a day and each time I tell them to remove my number. They still call with local numbers and local business 's that are fake.
The collection agency is Trident Asset Management. The original creditor was XXXX. In XX/XX/XXXX I bundled my XXXX XXXX, XXXX phones and my XXXX XXXX in a bundle plan. All was fine until XX/XX/XXXX when XXXX XXXX increased rates and we went back to cable. I cancelled my XXXX XXXX and continued my service with XXXX. After we sold our home in XX/XX/XXXX I get a bill in the mail from XXXX XXXX telling me I owed them {$240.00}. I called and told them it was paid to XXXX through the bundle. I called XXXX and asked if I owed any money and if there was a problem. XXXX said I did n't owe any money other than my monthly payment. In XX/XX/XXXX I check my credit report which says now I owe {$1000.00}. I disputed this amount. I did n't receive any letters. I called XXXX, who says I do not owe this money. When I called Trident, they hung up on me. I did speak to a rep later that day who told me to go to the website and pay but she did n't offer a resolution letter. I want this off of my credit report.
On XX/XX/2018, I went to a branch of Santander Bank in XXXX XXXX, Pa. and paid my mortgage note as I usually do. To my surprise, on or about XX/XX/2018, I received a collections letter saying that the payment had not been made. I took a copy of the cashed checks and presented them to a representative at Santanter Bank, however, they told me that they could not help me because their mortgage department has been sourced out to another company. But for your information, the representatives from the outsourced company answers the phone as Santander Bank. 

I called Santander several times about my missing payment and finally during one of my calls, their representatives requested that I send an email of the collections letter and copies of the cashed checks. Meanwhile, a representative of the branch of Santander Bank in XXXX XXXX, who tried her best to help me, also sent copies of the payment I made to the XXXX XXXX branch. As a result of the emails sent, I received two separate letters from Santander several weeks ago acknowledging the receipt of the email and the letters stated the problem was being investigated. Since that time I have received another past due letter and two collection calls from Santander. Will you please advise me on what can be done to solve this problem.
Around XXXX I opened an I had an account with XXXX XXXX ( XXXX ). The original amount was {$1800.00} for the purchase of a computer at 26 % interest. 
They sold the account to another company, which name I don't recall. That company subsequently sold the account to Sacor Financial. 
In around XXXX. Sacor contacted me over the phone and advised me that I owed them {$3800.00} on said debt. At that time I agreed to make a payment arrangement of {$40.00} Monthly. After that I called them multiple times over the years to ask how much I owed and for them to send me statements by mail. However, I was told that they didn't ; have to send me any statements. 
Recently, I contacted them because I wanted to pay-off my bill. Consequently I received a letter from them, just stating that I owed them {$14000.00}. When I called them and asked them how could that be possible, They told me that it was due to accumulation of interest. 
I then requested a breakdown and the account Representative didn't know how much did I owed when they bought the debt. They told me that they did not have that information. They bluntly told me that I owed them {$14000.00}, They took my payment of {$40.00} a month for ten years totaling {$4800.00}. Where did that money went. I am willing to pay the correct amount and that is the correct amount.

I hope you can help me on this matter there are many consumer in the internet ( website review ), which are having the same problem with Sacor. 
Can you help me on this please. or do you recommend for me to hire an attorney to deal with this company. 
I hope to hear from you soon Thank You,
As someone who has used XXXX XXXX, my data is at risk in the recent Equifax security breach. 

I checked their website and confirmed that my data had been potentially compromised. 

I consider this a massive breach of trust that is totally unacceptable for such a large organization with such great responsibility for personal data. 

I am making this report to indicate my rage and dissatisfaction with Equifax 's broken promise to protect the data of thousands of consumers, including myself.
The following fraudulent purchases were made on my credit card. Barclays Bank refuses to credit back the fraudulent charges below. 

1 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

2 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

3 ) XX/XX/2017 {$6000.00} XXXX XXXX.
XX/XX/18 -- I submitted a complaint regarding 3 collections on my credit report that appeared in XX/XX/2018 from XXXX XXXX XXXX for tuition from XXXX College. The collections are for {$3500.00}, {$1800.00} and {$430.00}. My XXXX XXXX GI Bill covered this tuition in full. I do not owe XXXX College or XXXX XXXX XXXX any money. Please remove these items from my credit report immediately. 
XX/XX/18-XXXX XXXX from XXXX XXXX XXXX responded claiming that these debts were not paid for. Attached to XXXX XXXX 's response were my account ledgers showing payments and 0 balances, PROVING MY POINT. I will attached these ledgers to this complaint. 
XX/XX/18-Sent proof of payment letters from the VA to Mr. XXXX at XXXX XXXX XXXX after several phone conversations. He assured me the letters from the VA confirming the payments were being uploaded in the system for the manager to review. 
XX/XX/18-Still no resolution so I am now submitting another complaint which will provide the aforesaid documentation from the VA and XXXX XXXX XXXX showing the tuition was paid for. By the way, I am submitting the ledgers from XXXX as I received them, inaccurate file names and all ( they seem to have confused me with a recently deceased actor, XXXX XXXX. But the document itself has my name correct once you open it ).
I have been a loyal Chase customer, and have always paid my bill. I had some issues arise when I left on vacation. I was informed by a telephone representative that my card would be paid automatically through ACH, while I was away. Unfortunately for me this was not the case and was 60 days late when I returned home. This impacted my credit report as you can imagine. I reached out to the appropriate parties and nothing could be done, other than some type of payment plan as my card was no longer active. Seeing that I had no other option and did not want further impact to my credit report I agreed to the payment plan. I also asked to have this issue resolved with the credit bureaus. I was told that even though I was miss informed nothing could be done.
XXXX XXXX account paid in full over four years ago. Also XXXX inquiries counted double. Would like the doubles removed.
National Credit Systems has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I was sent an itemized breakdown of charges owed to an apartment complex, but no consumer contract with my signature on it. THOSE CHARGES HAVE BEEN PAID TO THE COMPLEX!

And furthermore, were there any charges remaining after the fact, I owe NOTHING to National Credit Systems. My lease contract contained an Arbitration Clause, that the complex is in breach of by sending this account to collections.
In XX/XX/2018, I submitted a complaint to the CFPB against Account XXXX XXXX for an inaccurate, erroneous and unverifiable entry that was placed on my account. XXXX XXXX XXXX responded by stating that they were informing me that they were instructing the bureaus to DELETE THE ENTRY!! ( See attached ). To date, Equifax has not done so. Equifax needs to delete this entry and provide me a copy of my updated credit report that reflects the deletion.
I received a voicemail from "  XXXX   XXXX  '', who did not disclose the name of his organization but simply said I or my attorney needed to return his call at  XXXX  regarding case "  XXXX  '' as there was a " complaint pending against ( me ) ''. The call actually came from a local area code that matched mine. I returned the call and was advised the company is called " AMS ''. When I was transferred to  XXXX   XXXX  I asked him for the address of his company. He replied by asking me what I was sending and I reminded him that he is obligated to disclose his company 's full name and address, which he then did as fast as he could. He advised he was with "  Ashfield Management Services  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY ''. He then advised me that he was calling about a defaulted payday loan and a " bad check ''. I replied that I had not written a bad check and he spoke over me and said " sure you did, a bad ach ''. I advised  XXXX   XXXX  tha t 1-I have a bankruptcy attorney that he needs to speak to as opposed to me and 2-payday loans are not even legal in my state. He demanded my attorney 's information. I began to g ive him the information and he spoke over me stating it is my attorney 's job to call him. I advised him that I have not received anything in writing about the alleged debt and that he is not to contact me again as he has been put on notice that I have an attorney. He spoke over me and refused to let me give him my attorney 's information despite his legal obligation as a debt collector to communicate with my attorney only as he has been fully retained.
I had  a walmart cred it card through synchrony bank. I was behind on payments and they sent it to  XXXX   XXXX   XXXX   XXXX  for collection. I called them on  XXXX     XXXX    2016  and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called   XXXX   XXXX   back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  Walmart is  calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by   XXXX   XXXX   and Synchrony/Walmart. I have other  Synchrony ac counts and none of them have done this or offered to.
I filed bankruptcy and it was dischargedXX/XX/2015. Included in the discharge was XXXX XXXX XXXX. I explained to the debt collection department that I included this bill in the Bankruptcy and it was discharged. They claim that the service was reconnected after bankruptcy. I did not live in XXXX  after bankruptcy discharge, nor did I incur any electrical charge from XXXX. I was and still am paying for services in my home in XXXX - XXXX electric bill. Further they are listing me as an open credit from 3 months ago. All this information is false and I request that it be remove immediately.
I took out a loan with Credit Central located at XXXX XXXX XXXX XXXX, XXXX Alabama, XXXX in XXXX of 2017. My payment date is due on the XXXX of every month. I get paid once a month between the XXXX - XXXX and i always pay them when i get paid. On the XXXX of every month and and least 3 - 4 times a week they start calling me and harassing me wanting to know when they can expect a payment. I tell them they will get paid between the XXXX- XXXX everytime they call again at least 3-4 times a week. I always mail them a payment but they never send me a receipt. I ask them to mail me a receipt but they never send one. They tell me they are not obligated to send a receipt unless i mail them a stamped self addressed envelope. i am according to my records 2 payments away from having them payed off. I plan on sending a payment on XXXX. I need help with the uncalled for harassing phone calls every month.
Thank You
I have been contacting this company for about 3 years to dispute this account. I told them time and time again that I indeed had XXXX insurance and they did not bill the correct insurance. I was finally able to get a copy of the proof that i had medical assistance during this time period. Here is the response that Universal Collections sent me " XXXX XXXX indicates in her notes that she had XXXX as her secondary insurance for the Date Of Service in question. She never provided our office with this information prior to this. If that is indeed correct, we request that she provide our office with proof of that insurance for the date of service XXXX/XXXX/2011 and we will expunge this debt from her credit bureau files ''. The point of the matter is that Universal Collections never provided any validation of this debt.
I 'm filing a complaint because I have sent Diversified Consulta nts two  certified letters so they can validate a debt they claim I owe. The first letter was sent out on  XXXX   XXXX  which they received on  XXXX   XXXX ,   XXXX   at  XXXX . I never got a response. On  XXXX   XXXX ,   XXXX  , I sent another certified letter which they also received on  XXXX   XXXX ,   XXXX    XXXX .