WillisBack/dataset-financial-user-claim huggingface dataset:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from PORTFOLIO RECOVERY in XX/XX/2018 in the amount of {$470.00}. First and foremost, I have confirmed that the debt collector, PORTFOLIO RECOVERY is not licensed in the state of Texas to collect on this debt. Secondly, PORTFOLIO RECOVERY violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to PORTFOLIO RECOVERY? I have never heard of them, have no written contract with them and have never received any benefits from them, yet PORTFOLIO RECOVERY has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$470.00}.
XX/XX/XXXX I cancelled my service w/ XXXX. I returned the equipment at one of their drop off facilities in Nevada. 
I paid my final balance on XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from a collection agency stating I owed {$120.00}. 
On XX/XX/XXXX I contacted the collections agency called I.C. Systems & informed them I haven't received any calls or emails from XXXX about the false charges. 
I was informed by collection agency to contact XXXX directly to resolve the false charges. 
I contacted XXXX on XX/XX/XXXX & spoke w/ customer service representative who informed me that she saw the equipment was turned in but the drop off location did not properly process. She transferred me to the XXXX Collections Dept. 
The Collections Dept of XXXX rep told me that I would have to call back in one hour because the system was down But did tell me that it shows I didn't return the equipment.
My first mortgage holder, XXXX XXXX XXXX transferred my loan to XXXX. This was after it fraudulently sold the defaulted loan to investors, and after it made a claim for the FHA insurance and converted the loan to a conventional loan. I dd not receive an updated notice of this new loan and its terms. XXXX bought this loan from XXXX XXXX XXXX last year, and my wife and I worked with XXXX to do a short sale, all the paperwork was done, the payoff notice was sent from XXXX, the payoff check was ready, the deal was to close on XXXX XXXX, 2016. On XXXX XXXX, XXXX sold the loan to Shellpoint, refusing payment, thereby invoking UCC rules. Shellpoint has no valid claim to this debt. By refusing to take a payment that would have made more than the full amount of the original loan, more than what XXXX paid for the loan, it is no longer entitled to the debt. Nothing more is owed.
borrowed XXXX do not agree with payment agreement due to loan sharking activities for such small amount. trying to make pay XXXX dollars .will be willing to find affair resolution to this exorbitant amount of interest that they are asking for yours truly XXXX XXXX let be known it was done due lack resourses when I requested help
This account is too old and was not open in XXXX 2016 as stated in my credit report.
I am in bancrupcy and thought I was protected from foreclosure. I recently applied for a loan modiciation and/or any program that could help me with Ditech. They took over my nmortgage from Green Tree. I was also using XXXX to help me fill everything out. I got an e mail from XXXX that Ditech needed more info from me. It was unclear to me what exactly they needed and the next message I got was that it was too late and they are foreclosing. Can you please help me?? Im very worried for my self and my family.
I have made additional payments on my loan every month since origination, yet it still shows the maturity date as XXXX 2022. I believe my maturity date should recognize the thousands of dollars I have paid in additional principal and reflect an updated ( and reduced ) maturity date when I look at my loan information on the company 's website.
I AM BEING HOUNDED BY PUGET SOUND COLLECTIONS FOR 11 DEBTS I AM NOT LIABLE FOR. I WAS A PATIENT IN A COUPLE OF HOSPITALS OWNED BY XXXX XXXX XXXX. I AM A XXXX XXXX  XXXX VETERAN. THE CHARGES INCURRED WERE PAID BY THE DEPT. OF VETERANS AFFAIRS. THE HOSPITAL SHOULD KNOW THAT THE AMOUNT ACCEPTED AS PAYMENT IS CONSIDERED " PAID IN FULL ''. THE VETERAN IS NOT LIABLE OR CAN NOT BE BILLED FOR ANY OUTSTANDING BALANCE. IF XXXX CAN NOT COLLECT THE BALANCES FROM THE VETERAN, THEY TURN THE AMOUNTS OVER FOR COLLECTION TO PUGET SOUND COLLECTIONS. I HAVE SENT THE COLLECTION AGENCY LETTERS, I HAVE CALLED, THE DEPT OF VETERANS AFFAIRS HAS CALLED AND THEY REFUSE TO REMOVE THESE FROM MY CREDIT REPORTS. THEY EVEN SHOW ONE DEBT OF {$420.00} AS JOINT AND ALSO REPORT THE COLLECTION ON MY WIFE 'S CREDIT REPORT. I AM HOPING THAT THE AGENCY WILL TAKE YOUR ADVICE AND CEASE FROM DESTROYING VETERANS CREDIT!!
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX
While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by NORTHLAND GROUP INC . Thereafter, I personally contacted NORTLAND GROUP INC. and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with NORTHLAND GROUP INC . I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, NORTHLAND GROUP INC. recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.
I have been attempting to talk to a real person at Experian in order to ask questions that I can not find the answer to online concerning my application for a security freeze through them, but there is no way to contact them. They have no phone number that allows for you to speak with a real person, best I can tell, as their main phone just directs to automated services and nothing else. They have other services with phone numbers, but those are specific services that I 'm not interested in using. They have no email or similar contact method. This is absolutely absurd for a company that I need to get in touch with about the security of my personal information.
I combined a home mortgage and a heloc and refinanced with my existing lender Citizens-CCO Mortgage. Closing was Tues XXXX XXXX, 2015. I was told many times that no XXXX XXXX mortgage payment would be needed. 6 days later, on Monday XXXX XXXX, an auto-pay for {$2400.00} was deducted from my checking acct, and applied to the closed loan. The unexpected payment made my checking acct overdraft by {$640.00}. The Loan Officer admitted his error ( that he never cancelled the auto-pay ), and he put in writing that I was due the principle and interest refund. He also said escrows from the closed loan would be refunded in 2-3 wks. On XXXX XXXX, {$2400.00} was wired to my checking acct. ( {$2400.00} is the total of all escrow money held in the closed loan ). The Loan Officer then stopped returning my calls and emails because he focuses on loans, not closings. In XXXX I had 3 meetings with Citizens Managers trying to get my principle and interest returned, but they said no money was owed. The Title Company Manager told me that this problem is common with Citizens-CCO, and that other closings that occurred at the end of the month resulted in customers who were trying to get their " extra payment '' returned too. Then in XX/XX/XXXX the local Citizens people sent my issue up to the Office of the Chairman ( OOTC ) of Citizens Bank. Then I started receiving finance charges due to the overdraft that was caused by the Loan Officers negligence. I reluctantly paid the {$640.00} overdraft funds in order to stop the finance charges from occurring. The OOTC reviewed the situation and in XXXX they said no money is due back because they already sent me the {$2400.00} escrow money. Then in XXXX I supplied documentation again proving I was owed money for the extra payment of principle and interest. Then in XXXX the XXXX replied that they sent me the {$2400.00}, which they now claim was the principle and interest plus 1 days ' worth of interest! So I have 2 letters from the OOTC which directly conflict with each other! If they ca n't figure this out, who can? I wrote to them and asked them to tell me the correct answer because their letters say 2 totally different things, and for the last 2 months they refuse to look at the issue because they say they already addressed it. Frustrating! I have asked for a face to face meeting, I have asked repeatedly for a phone conference to go over the documents, I have great email trails, and documents to prove that money is owed to me. I have spent more than 100 hours working on this, to no avail. I have written nice letters, and I have more recently written stern letters XXXX but always respectful ), trying to get action. I have spoken to experts in the mortgage field that tell me to file a complaint with the CFPB to get action.
Wells Fargo open a saving account without my agreement or signature since 2012 and been charging me a fee of {$10.00} every XXXX of the month.
I have a home loan with caliber, they offered a refinance to a better rate for a 20 year loan with with a rate of 3.75 % and a total closing cost of XXXX. This was started in XXXX, documents were signed then no communication until XXXX when I got new paperwork showing my loan went up to 4 % with closing cost of over XXXX. multiple attempts of communication with the company with no response. today I finally spoke with someone who said it was human error and he can not honor the original documents as it was to much of a loss of the company, all of this after i have paid the XXXX in appraisal fees.
The student loan company XXXX XXXX XXXX has giving me incorrect information about student forgiveness program. In XX/XX/XXXX I was told I would have a grace period and not make payments till XX/XX/XXXX. I missed payments XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX because given the wrong information. I have never missed a payment before that or was I late. I tried to dispute it but they denied it which is unfair. It hurt my credit very much and I would like a second opinion. This was not my fault.
Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR  - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed Transuinion via XXXX XXXX, disputed XXXX  and XXXX  via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on Transunion and XXXX  XXXX Collection still on Transunion and XXXX  XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with XXXX- XXXX XXXX  XXXX Collection reinstated with TransUnion - XXXX XXXX
XXXX EOSCCA XXXX MA XXXX The company above has called my house for the last 2 years for a person who does not live here. I have told this company over and over XXXX does not live here and has never lived here to remove our phone number from their system. I also advised them I have no clue who this person is. Each time I talk to them they tell me they will then I receive more phone calls from them.
The lease was overpaid by one month and I contacted Ford Credit to find out if I was to be reimbursed. I called both the dealership to which I returned the F-150 as well as Ford Credit on multiple occasions and was told that paperwork needed to be submitted by the dealership in order to process the lease termination. According to Ford Credit I could not be given a reimbursement for overpayment until the lease was finalized. I waited several months to receive any reimbursement. Last month I received a check from Ford Credit, minus {$75.00} for wear and tear costs. I had purchased {$3500.00} of wear and tear protection for the leased vehicle, which Ford Credit acknowledged was in my account information. However, they said that the dealership needed to sign paperwork for the wear and tear protection to be applied. Any time I speak to Ford Credit I am told I need to contact the dealership and when I speak to the dealership I am told I need to contact Ford Credit. Ford Credit does not seem capable of resolving issues or even providing useful information to the customer.
Walmart XXXX This account was paid through the previous bank that owned the account. I have asked the creditor to provide physical proof of this debt to include all transactions, signed recipients, payments, balances, application, credit limits, finance charges, fees, etc from when the card was open on numerous occasions and they have failed to verify this information but continue to report it as unpaid and charged offed despite it being incorrect and unverified. None of my on time payments are showing on this account. The account is being reported differently to XXXX, XXXX, and XXXX. These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. Walmart has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. I demand that this specific and unverified information be corrected or deleted from my reports immediately!
Good morning my name is XXXX ( XXXX ) about XXXX I attended XXXX and took out loans to pay for my school. Fast forward to now I am currently being garnish by XXXX ( XXXX ) for the past 3years to pay my school loan. XXXXACS ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency XXXX, XXXX, XXXX, U S DEPT OF ED/GSL/ATL, ACS/XXXX are on my credit report with XXXX All are claiming ownership of my loan with XXXX for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?
I have attempted on multiple occasions to have incorrect bankruptcy information deleted from my credit report. As of XX/XX/XXXX I have put in at least 4 disputes with each of the 3 major credit bureaus regarding an incorrect date listed from my past XXXX case. The report date lists XX/XX/XXXX, the uploaded document lists XX/XX/XXXX. I was asked to send a copy of my document for verification, I faxed each bureau immediately. XXXX deleted the file from my report within 2 days. Transunion and XXXX   said it can't be deleted. I explained according to the document I faxed in, this should have been deleted as of XX/XX/XXXX. This document includes : Date XXXX file number XXXX plan information Amount of debt Monthly payment plan and length of plan Debtors Fee 's Lawyer information I also explained to each rep that I called the XXXX XXXX of Wisconsin XXXX court and spoke to the manager XXXX. He explained that no matter what the filing date is, as long as the case is closed the XXXX court does not report to the credit bureaus nor is it mandatory to have a XXXX  listed after a case if closed. He suggested that I ask to speak with a manager. On multiple calls I have been told a manager is not available at this time. I also want to note I've asked what is the process for validating information? I was told a dispute is opened and it takes 30 days to be resolved. They use a third party vendor to verify information. My argument was how can my faxed proof be overlooked vs the credit bureaus using third party vendor? Also, if it takes 30 days, why is my dispute resolved within 24 hours. That to me is a clear indication that know one is doing a thorough check to validate my information. 

Contacting the credit bureaus has been very frustrating and time consuming. Each person I speak with gives me a different answer and always fail to resolve my issue. I also let them know XXXX deleted this record from my report and they should follow suit. This issue has continued to damage my credit as well as caused me to be denied for credit on multiple occasions. Please review my attached document and have this deleted from my report immediately.
There was a loan account opened under my name due to identity theft. I disputed the information with   XXXX   and   XXXX   by providing police reports and identity theft affidavits and was successful in having those bureaus remove the incorrect information. However, Equifax refused to look at my information and sent an automated response that the information could not be verified which is keeping this account on my credit.
PLEASE FURNISH ALL WIRE TRANSFERS MADE BY M FROM XXXX OR XXXX XXXX FROM XX/XX/XXXX-XX/XX/XXXX
After a long period of unemployment, I missed a couple mortgage payments. I'm trying to stop from getting any further behind, but Suntrust is not giving me any mechanism at all to make a payment, directing me to a phone line with nobody answering it. I'm trying to give them money and they are trying to make it difficult, presumably so they can try and take my house.
I have disputed an account with Equifax that was discharged on my Chapter XXXX. We have completed and received our discharge on XXXX 2015. One of the debts included was our XXXX mortgage from XXXX XXXX XXXX XXXX. It is being reported as a charge off when it should be reported as included in bankruptcy and should show closed. This loan was avoided upon completion of our Chapter XXXX and was not even a charge off prior to us filing Chapter XXXX. I have sent court docs to Equifax and XXXX XXXX XXXX XXXX and the charge off is still showing. Is this not a violation of some kind?
I am writing this complaint because I have exhausted all my viable options to resolve this issue with Chase and XXXX. I am currently in a bitter dispute with Chase Bank and XXXX. This whole situation started in early XXXX XXXX when I discovered that a company by the name XXXX XXXX XXXX XXXX was charging a monthly subscription fee to my debit card. I placed a call to my Bank ( Chase ) late XXXX XXXX to alert them of the suspicious charges. Chase immediately reversed the charges and refunded me my money. I thought the issue was resolved until I noticed that on XXXX/XXXX/XXXX, Chase had put the charges back on my account. When I contacted Chase about why they put the charges back on my account they said that after investigating the matter they found to the charges to be legitimate. How Chase could reach this conclusion after their investigation I will never know. After being disappointed by Chase I decided to contact XXXX directly to reason with them but they did n't seem to care if the charges were fraudulent or not. Even after explaining to them that I had never heard of them let alone purchase anything from them, they still refused to refund the money because of their refund policy which I would understand if the purchases were in fact made by me. I never once received an email confirmation from XXXX for the allege orders. Had I received an email or letter from XXXX informing me that a purchase had been made then I would have contacted them immediate to let them know that this purchase was not made by me. In my opinion that it was negligent on their part. To make matters even worst, I never even received the package they claimed I ordered but said it was delivers I was finally emailed an order confirmation on XXXX/XXXX/XXXX for an order they claim was made in my name on XXXX/XXXX/XXXX XXXX. I have attached a screenshot of the invoice to show you that my address was misspelled ( It 's " XXXX XXXX XXXX '' NOT " XXXX XXXX '' ). I have search my email up and down and I do not have XXXX email from XXXX which is very suspicious because anytime a person purchases anything online more emails are certain to follow informing a customer on more products they can buy. I wanted to resolve this situation amicably but Chase and XXXX are refusing to refund my money. I feel like both companies ( Chase and XXXX ) teamed up against me in the investigation which I was not a part of and decided that I was the XXXX that should take the loss. These charges are fraudulent and there is nothing I can do to convince both parties. I loss a total of {$160.00}. I want XXXX XXXX XXXX XXXX to prove that I made the purchases, all they could provide me with was an IP Address they claim they order came from. I am only XXXX person so as much as I would like to hire a lawyer to get a court order so that XXXX could look into the IP address, I ca n't because I do not have the resources to launch a full investigation into the IP address.
I opened a XXXX XXXX credit card which is banked with synchronie bank. They stopped my card without mailing me any explanation. I called them 3-4 times they said they mailed me a package for me ti fill it out and send it bank. but I never received that package. Because of them my other credit cards are not working. Every time I call they do not give me any explanation or reason why
cra violation inaccurate information item is not mine XXXX XXXX XXXX XXXX
Experian reported a XXXX credit card ( XXXX ) report that in XXXX of 2012, a payment was late. It was not. XXXX do correctly reported that the account was paid in full, and closed, but yet they ( XXXX ) continue to report a fictional late payment, that was timely disputed and resolved. Now, preparing to seek another mortgage, I disputed the matter again per mortgage broker, and Experian " investigated '', but it remains on my report. While not fatal, it does slightly impact my rating, and I have asked that the record be corrected and the entry deleted, but to no avail.