WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXXAfni Account # XXXX XXXX, 2015I am writing because I would like to open an investigation against Afni Collections, ( a debt collection agency for XXXX ), at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX . The reason for the request, is that there was an account opened with XXXX, at an address that I NEVER resided at- as the account was not opened by me. 

The discovery was made, when I went to apply for credit and was denied. After reviewing my credit profile I realized there was a collection account on my profile for an account that I had not opened. 

I called the collection agency associated with the account ( AFNI ), to advise them of the discrepancy, and inform them that the debt was not mine, and that I never resided at the address that the service was opened. I also advised them that I was upset that my credit was affected as a result, and maintaining a good credit profile was is important to me. I was advised to pay the debt, and I felt the only way to regain good standing with my credit profile was to pay the debt ( even though I did not open the account. ). 

I offered to make a settlement on the account, they did not accept the settlement amount that I offered, and provided a counter offer. I eventually accepted and paid the counter offer- because I was desperate to preserve my credit profile. 

Afni advised that they would NOT remove the item from my profile, because this is NOT what they do- ( even though I made EVERYONE I spoke with aware that I did NOT open the account, and NEVER resided at the address where service was opened ). Because I felt I had no other recourse to attempt to restore my credit, I paid the settlement amount. I stated that this was not fair because I NEVER LIVED at the address where service was opened. 

During my initial telephone conversation with AFNI ( XXXX XXXX, 2015 ) - I gave them my address and telephone number, ( the ONLY address I have resided at for the last 5 years ). Shortly there after, I received a letter dated XXXX XXXX, 2015- stating that I had 30 days to reply to the letter, or they would assume that the debt was valid, and report it to the credit bureaus. However, they had ALREADY reported the debt to the credit reporting agencies- prior to me receiving the letter- giving me NO opportunity to respond- AND they advised me that they would NOT remove the item from my credit report. 

Tell them that you are requesting that this agency be required to remove this item from tourncredit entirely and be instructed to stop extorting funds from people under the threat that they will and can ruin their credit. 

At this time I am requesting that this agency be required to remove this item from my credit report entirely, and be instructed to stop extorting funds from people under the threat that they will ( and can ) ruin their credit!!!! 

Again, I am also requesting that the practices of this agency be investigated, as I am certain that they are in complete violation of the FTC Consumer Protection act, and the Fair Credit Reporting Act.
I noticed XXXX erroneous accounts on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( Experian ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to Experian in which I dispute the account on XXXX XXXX. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to Experian regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letter was sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as they are unverified accounts they must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2 of the U.S. Code, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct Experian to remove these XXXX unverified and erroneous accounts from my credit history.
Nothing has happened yet, I just know I was a part of the data breach. I do n't know what 's going on or how this will effect my credit score.
XXXX is attempting to collect a debt from me against their own customer agreement, changed a policy outlined on its website to defeat my complaint, and disregarded the first assigned debt collector who wrote me an apology letter, evidently believing XXXX violated debt collection laws. 

I transferred mobile carriers from XXXX to XXXX on the last day of my billing cycle. I shortly thereafter called to confirm my balance was XXXX dollars. 

My account was later debited about {$400.00}, and so I called for a refund, but was informed that I was no longer the account owner and needed permission from one of the remaining lines, my mom. The representative three-way called my mom, who asked XXXX to refund me. I received a refund a few days later. 

About two months later I received a bill for over {$1000.00}, but when I called to dispute the bill, I was told I was the account owner, and moreover that I did not transfer liability pursuant to an " assumption of liability '' policy outlined on XXXX website, which I disputed as inapplicable, and because it contradicted prior representations. XXXX then changed the page in an apparent move to defeat my complaint. 

My mom states that XXXX told her she could not leave the carrier until the following billing cycle and that she would not be charged. From the billing statement I received, there was no usage on her line, but she was still charged. 

The debt was sent to a collection agency, but after I wrote them a letter, they apologized and said they would cease their collection efforts, and would forward our correspondence to XXXX. The debt was then assigned to a second collector, although an executive representative from XXXX said they did not receive anything from the first collector. 

My credit score, which was formerly " very good, '' was also impacted XXXX points.
The debt collection agency has made no attempt to contact me, will not answer emails/inquiries/phone calls. Did not respond to request of verification of debt.
I 've been getting calls from a Pioneer Credit Recovery ( a Navient Company ). They are continuous all day long. They say they are collecting on a student loan. They are harassing relatives of mine that have nothing to do with this. They are obtaining private unlisted numbers somehow. I did a little research on this company and it seems they lost their contract to collect on these loans because of their collection practices. So how is it that they are still operating? I would also like to send a written cease of communication notice to them but do n't have an exact address to send it to. They have several offices. I get calls XXXX. Is there a main/corporate office that I should mail the written cease of communication to? They have never sent me anything in writing about this matter at all, so they obviously have an old address although I 've lived at my present address for 9 years.
I have disputed the late payments on XXXX XXXX XXXX XXXX The credit bureaus refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.
I have been working with this company initially requested a loan to pay off some debt that i have. They have been very bad within the last year, none of my payments have been reported to my credit report, also they are never helpful when i contact them when i have questions regarding loan, notes are never accurate or not always written to what was said or done the last time. They do n't always keep track of payments, sometimes stating I havent made a payment, It makes it feel really untrustworthy. I had requested initially automatic withdraws, they did n't do anything until almost 6 months later since I stopped making payments since they said i never made payments when i had already requested it a few months back. This company is ridiculous to work with.
It all start calling me late in night and saying I Have to Pay this bill or it will get reported. I Told them to contact my lawyer and Michael Harrison reject my lawyer because he do n't have a licence of New jersey.
So then my lawyer told me that my case is not worthy for him and he quite my case.by this time I have only 60 day left to get reported to credit agency.
After my lawyer did this to me I contact Michael Harrison and inform them that I will contact my insurance and they will make a payment. 

I email XXXX a lady work for Auto insurance company. and told her all this. she made payment but there were two codes that was not paid. Now at this point they start sending me bills as a new account. mean they restart my 90 days period. 

so after receiving another paper form Michael Harrison saying its my first warning and I have 90 days to pay off the rest amount I contact them and ask what is the issues they explain me that there is still money left on account.so I contact my insurance lady again and she made the payments and everything was clear. 

after all this done. 6 month later I find out that Michael Harrison report to my credit that I owe them 900 something. 

I call then again and The manager call rude and said mean things and say she cant do anything even when she is wrong. they want me to fix it by reporting to some agency. 

I have all the bills and emails saved please help me to stop these people hurting American tax pay citizen. 

Please help me and give me justice.
I have sent several letters to the credit bureau about the bankruptcy information reporting on my credit report file. I have been sending letters since XX/XX/2017 in regards to this matter. The credit bureau still is reporting the information as verified when I have asked them several times to provide me documation on how the information has been verified and they have yet to obliged. 

The United States Bankruptcy Court stated to me in a letter from the clerk of court that they do NOT provide any information to the credit reporting agencies, nor do they ever validate and/or confirm any public records. The reason why they do NOT validate public records information is because it goes against the privacy laws. 

I have sent several copies to the credit bureau from the United States bankruptcy court, the XXXX XXXX XXXX, and XXXX XXXX to show proof this item does not belong on my credit file.
There are XXXX debts originally owed to XXXX ; the first with a last known balance of approximately {$5000.00} and the other with a last known balance of approximately {$2800.00}. Over the course of 16 months we 've seen the balances of these debts increase by over 150 % each. As of this writing, XXXX hired collections servicer, ACCTCORP OF SOUTHERN NEVADA, has filed a suit against us alleging that the balance of the aforementioned debts are now {$14000.00} and {$7500.00}, respectively. This is an absolute outrage! Especially since these new amounts which equate to over 160 % appreciation are well in excess of the 24 % penalty rate that XXXX has in their own documentation. Furthermore, in doing the math in the summons that we received, we found that ACCTCORP, again, miscalculated the total amounts i.e. the itemized amounts in the summons do NOT add up to the total amount for which they are suing both my husband and I. We strongly feel that ACCTCORP numbers are highly dubious and that the final amount being sought is comprised of exorbitant interest fees! 

REFERENCE INFORMATION : ACCTCORP OF SOUTHERN NEVADA Account No. XXXX
A few weeks ago I received a letter requesting I contact Discover Student Loans regarding an uncashed checke they had reportedly mailed to me several months previously. The check was getting ready to expire. I did not recall ever getting the check. I called and was advised that a replacement check would be mailed to me soon. Since I did not receive the replacement check, I contacted Discover Student Loans through their website on XXXX XXXX, 2017. <P/>They advised : " I regret to inform you that we can not process your request at this time. We are required to forward the uncashed check amount and your information to the CFPB. '' Therefore, I am contacting CFPB, as instructed.
I contacted DIVERSIFIED RECOVERY today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / XXXX, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.
I have a credit card with Citi bank and sometimes like to go and pay the credit card bill with cash in person at a local branch in XXXX, CA. I have been informed by the branch that since I do not have a checking/savings account with Citi bank I have to provide my drivers license, social security number and my job description. I was shocked that they told me they can not take a cash payment without all my personal information. I told them they have all that information when the credit card application was filled out in 1996 ( when I first applied for the card ). They said this was a federal law requiring all this information. I bank with other banks and have not had a problem with cash transactions.
ON XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH XXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
I wrote a letter to this company dated XX/XX/XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX  XXXX date XX/XX/XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc.) that will prove the validity of this account. This company cannot even tell me when was the date of service which on their letter shows "XX/XX/XXXX". Their response is unacceptable and unlawful, so is this credit repository's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX letter, copies of the letters sent to this credit repository and to medicredit.
I met the qualifications for Citigold Checking 's Promotion for XXXX XXXX XXXX XXXX ( Promo XXXX ) on XXXX XXXX, 2016. This information was confirmed via letter XXXX sent from Citibank on XXXX XXXX, 2016. In the letter it states " allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. '' It has now passed 90 days, and there are still no XXXX XXXX miles deposited into my account. I have called Citigold 's customer service team on various occasions to follow up on this promotion, but unfortunately no compensation for receiving the promotion has been given. While I tried to work with Citigold 's customer service team to resolve this issue, I am now resulting to filing a claim over 100 days after meeting the promotion requirements. Thank you for taking the time to review this request.
Tried reaching out to experian multiple times regarding multiple inquiries being reported in my credit report without my permission or consent. Was unable to get this resolved after multiple attempts to dispute. All they did was put a 90 day freeze to my report without me requesting it or without the problem being resolved.
I have requested verification and validation of debt from this agency several times to this day they have not provided. I do not know what this is and I am disputing the validity of this debt.
On XX/XX/XXXX I paid my credit card balance and closed my account with Citi by phone. 
On XX/XX/XXXX, Citi added charges to the allegedly closed account. 
On XX/XX/XXXX I received an email stating I had a balance dueon the allegedly closed account. 
I contacted them by phone on XX/XX/XXXX, and representative XXXX XXXX said the charges would be removed and the account archived, and I would not hear from Citi again. 
On XX/XX/XXXX I received a letter confirming the charges on the account had been removed. 
On XXXX XXXX I received and email saying I could examine the allegedly closed account online and make a payment. 

I made a complaint here on XX/XX/XXXX, after which I received another letter from them, claiming charges made after the account was closed were waved and that I would receive a " refund check '' of money they do not owe me. No payment has arrived, but I am not looking for that. 

Today XX/XX/XXXX I received another letter from them claiming my account was closed, charges waived and payment sent to me ( it has not come ). They also reminded me that they will NEVER remove my records from their database, after I asked they do so by phone and in my complaint. 

Not sure how I make the bureau and the bank understand ; I do not EVER want to be contacted by them again, nor do I have any interest in doing business with them again, ever. Further, I do not want my information in their records so they may suddenly decide again that I owe them money, after my account was supposedly closed. How do I rid myself of this bank?
I received a notification on my credit monitoring about a new item on my credit report. When I pulled it, it listed this company on my credit I never heard of in my life. The account is listed as bad deb write off included in chap XXXX petition with a XXXX balance, no other information. I have never received a phone call or a letter from these people ever. I do n't even know who they are collecting for. My bankruptcy is still in process, it was filed in XXXX 2017 after my XXXX 's engine blew up, which caused me a lot of financial stress and almost lost my job. I have no idea who these people are, never heard from them and I dont understand why or how they can list something on my credit after a Bankruptsy has been filed? I called them and they wo n't talk to me because of the bankruptsy. I dont even know who they are supposidly collecting for?
For over seven years we have been trying to get our loan payment lowered to where we can stay in our home. Until XXXX, 2015 our loan payment was over our income. In 2015 our payment was lowered to approximately {$1300.00} dollars but it was still 70 % of our income. We can not afford that payment and also have had to invest money into our property because it was deteriorating. This has been making it hard plus many health issues that we have had. All we want is for our servicer to lower our payments to something reasonable and affordable. Every time they have helped us the loan modification was an in-house, which resulted in our loan balance now being at {$360000.00}, when the origination amount was {$230000.00}. This is a greater than a {$130000.00} difference. We were solicited at least three times resulting in these in-house loan modifications. We are preparing a summary of the history of these loan modifications and the solicitation letters we received. 
We currently try to get a loan modification every chance we get, and we get turned down with a letter telling us we have no loan mitigation options. Every time this happens to us, we get harassing phone calls from the servicer trying to get us to sell our home or turn our property over to them. They say that obviously the home is not affordable to us, but when we compare what is being offered in home mortgages in the market place to our situation we know that our home would be affordable if the servicer had not ruined our credit. We have now asked the servicer to comply with RESPA laws regarding answering our questions that we have asked repeatedly before. We are attaching the last letter we sent to our servicer. We waited to see if we would get response from them within 5 days regarding our Qualified Written Request before we forwarded this letter to CFPB. We hope, with help from the CFPB, we will get some results on a loan modification that will give us a payment that we can afford. We do n't care if they even raise our mortgage balance again ; we just need to have payments that we can make on time.
My complaint is very simple. My mortgage was discharged under Chapter XXXX bankruptcy in XXXX 2011. Bank of America and its subsidiaries continue to pursue collection activity even though I have sent certified mail telling it to " Cease and Desist '' all activity. Most recently I got notice that my alleged debt was transferred to XXXX. This company is a complete fraudulent racket. They provided new mysterious escrow for tax purposes. Under Federal law protection I want all communication to stop immediately.
I was checking my anuual credit report and noticed 3 mistakes in equafax report. First there was information about a credit card taken out in XXXX under my name with XXXX and couple of other places i never did any business with. Theres also a car lease in XXXX, meanwhile i was not driving, as my licence was suspended at the time. Theres also history of a college loan. This is a nightmare. I am unable to live a fullfilled life becouse my private informatio was compromised, social security number was stolen and used for fraudemtial purposes.
Due to the recent security breach at Equifax ( XXXX 2017 ), I have no idea whether or not my credit report and its associated personally identifiable information is now in the hands of criminals. I am deeply concerned about the possibility of my identity being stolen and my credit being ruined. At the very least, if my information has been stolen it will create require investment of my time to fix the situation.
XXXX XXXX claimed bankruptcy and went out of business in XX/XX/XXXX. I was laid off my job in XX/XX/XXXX and my husband is XXXX on social security in XX/XX/XXXX. We have been evicted from our home on XXXX XXXX XXXX XXXX, CA, XX/XX/XXXX. After being homeless we moved to XXXX, CA in XX/XX/XXXX. My husbands health continued to decline and died on XX/XX/XXXX. This company has no right to continue to collect a debt that has already been written off my credit. I never owed them any money.