WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed this entry on my account with Experian bureaus as well as with XXXX XXXX. XXXX XXXX placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent XXXX XXXX ( see attached letter ). XXXX XXXX did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was Experian able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, XXXX is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.
I lost my long-term job on  XX/XX/XXXX . I graduated from   XXXX   XXXX   in   XX/XX/XXXX . I had never missed a payment since I started with ACS on  XX/XX/XXXX . I cont inued to try to stay off of forbearance and managed to pay my student loan until   XX/XX/XXXX  . My normal monthly payment is {$380.00}. I contract while I am interviewing for a full time job which I have not found yet.     When I realized I could not meet the payment requirement in   XX/XX/XXXX ,  I tried to request forbearance for 1 month only - but the paperwork took too long to arrive and they tried to withhold but were unable to.     I still made my  XX/XX/XXXX  payment as soon as I could on   XX/XX/XXXX   and made my  XX/XX/XXXX  payment timely on   XX/XX/XXXX .  As of now I am current.     I received an e-mail on   XX/XX/XXXX   informing me that on   XX/XX/XXXX  , they were now going to start withholding {$440.00}. I called requesting an explanation and they told me that there was only a 15-day grace period and they were raising my interest rate and payment amount for each month by {$54.00}.     I had to apply for a reduction in loan amount for  two  years as I 'm worried about making the payments now with the increase.     I 'm upset because I only made one late payment and am penalized permanently going forward.
I used a Discover card for several years and finally got it paid off. I called and asked them to close the account. They said they had, but I continued to receive statements every couple months despite not using the card ( I destroyed it ). After a few months I called again and requested that they close my account. I still continue to receive statements ( just got one today ) and it 's been well over a year.
I  XXXX   XXXX  hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with  XXXX ,  XXXX  and  Trans Union  respectively. The attache d medical collections we re instantly filed by  XXXX ,  XXXX ,  XXXX   XXXX   XXXX , a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows  : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medic al invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question.     2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid.     In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  for a continuous illegal collection practic e ( s ) ag ainst consumers without any consideration of the law.   An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations.   My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of  XXXX   XXXX   XXXX   XXXX   XXXX  along with a permanent injunction against same from this continuous abusive practice.
Payment reported as late but mailed in plenty of time. Late charges were reversed, but my deceit report showed 30 days late. I want the 30 days late removed from my credit report. 

Thank XXXX
This company was retained by the original creditor and the original creditor failed to bill the health insurance company in a timely matter. This stemmed from an auto accident case. The original creditor waited over a year to bill the insurance company. The insurance information was provided at the time of service ( in XX/XX/XXXX ). They waited to bill me untilXX/XX/XXXX. I worked with the health insurance company and their Director tried to get the provider to file the claims so that it could be processed. However, because the provider waited over one year to file the claim, it caused the claim to be denied for timely filing. They are contracted with my insurance company and should have filed the claims in a timely manner. I had no idea that the provider hadn't submitted any of these claims and had to call them and ask them to submit the claim. They should not be allowed to submit claims at their leisure and then try to collect payment because they've failed to submit the claims in a timely fashion. I've tried to communicate this with the provider. I even leveraged the insurance company who tried to get them to submit the claims to at least have them processed and in their system. Providers should not be exempt from having to submit claims to insurance companies in a timely manner. I understand that they treat people with auto accident injuries and would rather collect rather sums of payment if the case settles or a judgement is awarded, however, not to process insurance information to try to jeopardize the patient 's financial situation is not fair.
Ok. I got the bike out of state in Texas XXXX a XXXX XXXX XXXX XXXX. Finance the finance turned into a lease Motoleaseing in XXXX which I not to good on i never lease before It took almost two months to get the bike to XXXX and soon it get here they call few days later for the note. They call on the phone and email me just the signed paper. but I had not written paper just in my phone so some of the stuff i didn't know. They told me about it before they print it and they left out a few thing. And I had to ask for it. The bike was here but not paperwork or leasing paper when delivered to me. Just paper from Texas the deal turn out shady at the end. Like the GPS they told me to make the deal work I have to agree to it. But they never told me on the phone i had to pay for it 800 plus for it. They email me the contact and its was there. So when the bike get to me my rent went up I didn't have any idea that was going to happend. So I call to tell them ask to reduce my payments some so i can make them without struggling my payment is XXXX for a used bike with 98400 miles on it no warranty manager special They didn't serviceonly checked to make sure it runs and switch gear that was it I called them on it. I was leaking oil out the craburater engine comes off and on. My credit wasn't good. But I had money down for them. The Bike was 8000 plus now done it became 10000 plus and 1300 plus at the end. I pay late behind rent but they get they money. They call me a work and I told them not to call after XXXX and we can talk. But no they call me back to back and just hold the phone. They done that a lot to where my boss questions me about and warned me. I feel they should work with me plus I think the bike is no good to.
I receive multiple calls per week from XXXX and they leave a message saying I need to call them because they are trying to collect a debt. However, I have no outstanding debts and they have not provided the required 10-day written notice for any debt claim.
In XXXX 2014, based on XXXX reporting, I received a 30-day late on my monthly loan amount of {$620.00} which was due on the XXXX of every month. At the time, my payments were being managed under the agreement of my debt collection company XXXX XXXX XXXX, who was responsible for drawing money out of my personal bank account and making payments directly to my creditors. 

On XXXX XXXX, 2014, XXXX XXXX XXXX transmitted a {$620.00} payment towards my Discover Personal Loan debt. The payment was to be deemed 30-days late on XXXX XXXX. XXXX XXXX XXXX made the payment on the XXXX and Discover Loans did not recognize or process it until XXXX XXXX. When this happened, they deemed the payment as 30-days late even though it was transmitted to them on the XXXX. 

After receiving the 30-day late on my credit report, both myself and XXXX did a XXXX call to try to resolve the matter but the Discover supervisor would not work with us at all. I have since paid off this {$25000.00} loan and I had never received a 30 day late accept for this XXXX and I feel that Discover had some error in it as their system did not recognize the payment until later than expected.
I borrowed $ XXXX, I have already paid $ XXXX however my balance is stil {$29000.00}. 

I never received amortization chart and I never received the complete payment history I asked for. 

I feel this was predatory lending and I want to sue them. This should be illegal.
I have file a dispute various times with Transunion for the XXXX accounts that are being reported on my credit report XXXX. However Transunion indicates that they verified the information as correct but in fact I am no longer liable for this account because XXXX has informed me that they no longer own the account. XXXX informed that they could not bill me for this account because they no longer owned the account and could not provide me with an itemized bill in order to review and pay. So I request immediate deletions of this account however Transunion is indicating that the have verified this account as accurate. This item has not been verified please see Below : Investigation Results Current File File Number XXXXReport DateXXXXDispute Open DateXXXXNameXXXX XXXX XXXX XXXX XXXX, PR XXXXCompletion DateXXXX Account informationITEMDESCRIPTIONRESULTSXXXX # XXXX VERIFIED, NO XXXX # XXXX VERIFIED, NO CHANGEI am requesting inmediate deletion of these accounts as there is no information on record to verify its validity.
Unable to access credit reports online through XXXX  and transunion. In addition to that unable to do online disputes.
Unfortunately the account went to charge off status. When we agreed on a repayment that fit into my budget that is when this company started to report on my credit as if the account is still open but with a charge off status. The delinquent amount picked up where we fell behind and grows every month by the difference of my current payment and the payment when the account was open. I contacted the company asking about it and was told it wasn't them that it was my credit monitoring company doing that. I have my credit summary showing that every month they report.
MY ACCOUNTS ARE ALL LOCKED DOWN AND SAYING THAT I HAVE BEEN MARRIED AND ALSO HAVE A NEW HOUSE I AM RENTING OUT
My credit report is displaying improper information that I have disputed several times for the past 2 years. I have consistently called and disputed the information for all XXXX credit burials. Not only is the information up 8 years old but its against the law. It has caused me financial hardships and I am currently still trying to find away to remove the information from my account.
The original creditor : Car Care One attempted to charge me for some unknown service many years ago. I disputed with the company about this false charge stating to them they had no proof of me ever authorizing such a charge, and requested that they some me proof. They could not. The matter seemed dropped. This was approximately 6-8 years ago. This is, and always has been, a false charge. I have no paperwork from this company. They never sent any. 
The issuing bank : GE Moneybank Apparently they have dug this up and sold this false charge to the collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX They never contacted me all these years. Now the erroneous charge is nearly doubled with interest. 
The original amount : {$600.00} Interest : {$500.00} for the total of {$1100.00} It was a fraudulent charge then, it 's a fraudulent charge now. Again, they could not provide any proof that I ok 'd this charge for an unknown service. 
I have no contact information for either Car Care One nor GE Moneybank
Capitol One refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. Capitol One reports an open Capitol One Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with Capitol One briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. Capital One kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at Capital One and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet Capitol One continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.
Dear  Sir/Madam : On   XXXX   XXXX   2017, m y car was involved in an accident and declared a total loss. I was fully insured plus had GAP to cover any difference.  <P/> At the time the car was declared a total loss, I was approximately 30 days late with the monthly payment.  On   XXXX   XXXX   2017, Honda Financial received {$19000.00} directly from the insurance company. Although they received this payment, they continued to consider my account late. This is a payment that I had to authorize to go directly to Honda Financial.   <P/>  On   XXXX   XXXX   2017, Honda Financial received {$6800.00} from GAP ; however, they still refuse to make my account current and on XX/XX/XXXX ass essed a {$10.00} late fee.  <P/>  Honda Financial is due one more payment from the car dealership to return the cost of the extended warranties, which I was told should be received by Honda Financial on or before   XXXX   XXXX   2017.   <P/> While I totally accept that I was approximately 30 days late when the car was declared a total loss, I am infuriated that  Honda Financial has received over {$25000.00} in payments ; yet refuse to make my account current. They expected m e to continue making monthly payments while having full knowledge that GAP and the warranty reimbursements would cover the total cost of the vehicle, minus my deductible.  <P/> Once the first payment from the insurance company was received, my account should have been made current with only the outstanding balance due.  <P/> What is even more outrageous is that the GAP and the warranties   are Honda products. Therefore, they would have had inside knowledge of the exact amounts being paid on the vehicle.
<P/>
My account is now beyond 60 days late due to this and will affect my credit.
<P/>
I want Honda Financi  al to bring my account current, plus remove the {$10.00} late pa
yment fee that was assessed on   XXXX   XXXX   2017. How can there be a late payment when over {$25000.00} was received from   XXXX   XXXX   2017 to   XXXX   XXXX   2017.    <P/> I feel like this is extortion and I would like this resolved as quickly as possible.
On XX/XX/18 I received a credit alert from XXXX that a new hard inquiry was on my report. When I checked it was from the Law Offices of Timothy Baxter stating I applied for a new line of credit. I have never heard of or authorized this company to access my report. I immediately contacted the company and was told by XXXX they dont need permission to run my credit. I then called XXXX who removed the inquiry and placed a freeze and fraud alert on my account. Come to find out this is a debt collection agency attempting to collect an old debt HOWEVER they should not ran my credit as an attempt to say I applied for a new line of credit which I never did.
Wells fargo home mortgage is claiming I had a mortgage I never had. It was removed off my credit in XXXX from XXXX off my credit. In XXXX it appeared back on my credit from WFH ( wells fargo home mortgage ). Then was removed. in XXXX It appeared on my credit again XXXX. I called the office of the president of wells fargo. They removed it off XXXX in XXXX XXXX. Today I pulled my credit XXXX/XXXX/XXXX and they added it back on XXXX on XXXX XXXX, XXXX. This is illegal. I want this off my XXXX credit. I filed a police report ( XXXX ) on XXXX XXXX, XXXX and an Identity Theft Victims Complaint and affidavit. I spoke today to the office of the president of wells fargo and they admitted it was removed in XXXX. I want them to remove it off XXXX never to put back on again as this was not mine. The original loan on this house was in XXXX. My file has merged with another. help
XXXX XXXX/XXXX was included in my husband 's bankruptcy case. A discharge was ordered. I have reached out to the company in attempt to have them correct my credit report. I 've written several letters requesting XXXX XXXX to correct the negative remarks on the credit bureaus and close out the case as it was discharged. XXXX Bankruptcy department REFUSES to honor the bankruptcy discharge and ignore repeated communication with them. XXXX XXXX has my credit bureau noted as a charge off with a balance and late payments since discharge. I have attempted to dispute the entries in my credit reports. The credit bureaus note the dispute as " consumer disagrees ''. The constant incorrect reporting has effected my credit score and has not allowed for fair rebounding of a bankruptcy. I have endured high interest rates and been denied credit due to the incorrect reporting. All written communication has been ignored and the bureaus have not been corrected. During my communication with XXXX XXXX I have informed them, I reside in a community property state for which only one spouse needs to file bankruptcy. My husband case number was provided. It is very suspicious also in their reporting. XXXX XXXX started reporting me late in XX/XX/XXXX ( almost a year after the bankruptcy discharge ) then continued to report late every month until XX/XX/XXXX - XX/XX/XXXX. Then bank late from XX/XX/XXXX- to present. During the months where they report current in XX/XX/XXXX, there was no  communication with XXXX XXXX. Why would they report current for some 5 months and then late again. No written communication from XXXX XXXX has been received since the discharge. My attorney stated that XXXX XXXX was subject to Louisiana Civil Code 3494, action on open accounts ( credit cards ) are subject a 3 yr XXXX XXXX period. The notation of current payments would break the 3 year period for them to continue to misreport to the credit bureau. It is my belief XXXX has misrepresented information in my credit bureau intentionally. Not to mention their breach of adhering to bankruptcy laws in a community property state. In the state of Louisiana, if only one spouse files for protection the non-filing spouse will also benefit by the bankruptcy since the discharge of debts includes community claims and prohibits creditors from proceeding against community property acquired post - petition, even as against non debtor spouse. 11 U.S.C. 524 ( a ) ( 3 ). Copies of the letters mailed along with discharge papers will be attached. 
I have disputed the information in all 3 credit bureaus. The bureaus indicate the information is reported correctly-consumer disputes.
This is NOT a duplicate it is a response to complaint # XXXX. 

I still have NOT received an itemized statement including pay off to date. Extended warranty amount should be subtracted from principle. 

What is the actual amount due the documents attached to the complaint # above have a different amount. 

The 15 days hadnt been allowed per WI cure to default laws. 

XXXX XXXX
On XXXX XXXX, 2016, I uploaded a letter of dispute to Experian via their XXXXXXXXXXXX. Once I uploaded the information, I received the immediate statement stating my upload had been received successfully. I allowed the 30 days to receive the results from Experian but had received nothing. I just pulled a copy of my credit report from Experian and contacted them to see why an investigation had n't been performed. According to Experian they did n't receive anything from me in regards to an investigation. How could this be when I still have the saved page of them confirming successful receipt of my request? I am asking that something is done about this.
Hi, In order to see your free credit report on Experian you have to submit credit card information after which they charge you {$20.00} a month for " credit monitoring. '' If you do not want credit monitoring there is no way to cancel it online and you have to call and sit on hold as long as an hour or more. 

We all as citizens are forced to deal with FICO it is not a choice, and are therefore without choice subject to using these for profit companies, in this case Experian. It is absolutely unreasonable that I should be forced into a situation where I have to wait hours on hold to not use there service that I never willfully chose in the first place. 

They are essentially exploiting consumers who they know need to check their reports by forcing them into more profitable paid services.
This is so exhausting ... .. I have been going back and forth with Equifax for the past year and A half .... they removed fraudulent accounts from my credit and then re-inserted them back to my credit when the accounts are fraudulent. 

I have supplied Equifax with my police report, fraud affidavit and my FTC case number because I have also reported the fraud to the federal trade commission and Equifax has yet to remove the accounts that have been placed in my name. 

The accounts that are unknown to me and included in the police report are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX