WillisBack/dataset-financial-user-claim huggingface dataset:
I was illegally served an unlawful detainer for an apartment I was leasing a couple of years ago. When it came time to go to court and I had proof of the illegal service, the company decided that it was best to settle. We then agreed that I would have XXXX balance and my debt would be erased without prejudice. About 6 months after moving out, I received a call from a collection agency. I reached out to the original creditor and asked them what was going on, their response was " No you still have to pay! '' I then disputed the charges as I was obviously not responsible for the bill as agreed in a superior court. 

Fast forward, I have received additional calls and hardships and when I contact the original debtor now, they have been bought out by another company. Even after presenting evidence to the collection agency the lady said " I've seen times where it doesn't matter that you have a judgment in your favor. You still have to pay! '' How can a creditor blatantly ignore a court of law? This has caused me to miss career opportunities, housing opportunities, and it's even caused an unnecessary burden on my relationship.
They called a friend of mine and harassed him. They were apparently trying to locate me. They called me tok and did n't leave a message. I am certain that they are using call spoofing.
XXXX  has been reporting the wrong  XXXX  date of delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ). For a long time  XXXX  was reporting the wrong history and balances of th e accounts since day  one, but  that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the Navient payment history for both accounts in yellow via attached documents to show the proof.
transunion has reporting a negative item on my credit for the last few months, and i have tried to work with them concerning ( XXXX XXXX XXXX ), the account should be open and they has it reporting closed. i still have the automobile and are paying notes on my car that i purchase in XX/XX/2017.Please help me in resolving this matter
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
I have filed numerous online disputes with each of the three ( 3 ) Creditor Reporting Agencies ( CRA ) in an attempt to correct errors, inaccuracies and/or incomplete information for my individual credit report issued by each of the CRAs. I have also contacted and communicated with each creditor identified herein in an attempt to resolve the noted issues. 

I have attached a 3-bureau credit report dated XX/XX/XXXX issued by XXXX for reference. Due to the breadth of my issues, I will identify the credit account via reference to the corresponding page number on said report. I will further indicate which CRA I feel is reporting incorrect, inaccurate and/or incomplete information for each identified item. Also attached are four ( 4 ) Advisory Opinions issued by the FTC that i feel are applicable to the items addressed below. 

On page 3, I have a list of five ( 5 ) negative accounts. Two ( 2 ) of those accounts ( XXXX/XXXX XXXX and XXXX XXXX ) had a {$0.00} balance and were always paid by the statement due date while they were open. As outlined in the FTC 's " Advisory Opinion to XXXX ( XX/XX/XXXX ) '', it is the FTC 's view that " it is not a reasonable procedure to label an account that has been discharged in bankruptcy as 'charged off as bad debt ' if the account was open and not charged off when the consumer filed bankruptcy. The FTC goes on to state " such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of the bankruptcy when in fact it had not done so. '' This is certainly the case with the aforementioned accounts as there was no balance due on either account at the time of filing the Chapter XXXX bankruptcy so, as a result, there was no corresponding amount for the referenced creditors to right off. 

A third account identified as a negative account and charged off includes the BBT credit card that was a joint account. Although there was a balance due on this account at the time I filed bankruptcy, monthly payments continued to be made by the statement cut-off date both before and following discharge. The account is current as of XX/XX/XXXX and is absent any late payment during its lifetime. Just in the above referenced cases, the creditor in this case did not write-off the account at the time of bankruptcy and, consequently, the creditor 's reference to the account payment status being anything other than paid/paying as agreed is inaccurate, thereby rendering reference to the account as charged-off incorrect and inaccurate.
Equifax keeps reporting XXXX student loan on my account that does not belong to me. I need them to verify the social security number, which they HAVE NOT! they need to remove this student loan from my account.
For at least a year or longer, Macy 's has messed up the accounting on my credit card, which I 've had for well over a decade. I just tried several times to reach it at a so-called customer service number ( XXXX ). It is impossible to reach anyone there, as there are numerous phone loop recordings at that number. Among other things, Macy 's lowered my credit limit, allegedly because XXXX provided it with a false credit report. It should have gotten a ( partially ) corrected copy of it by now, as I asked XXXX several times to provide one. However, throughout the last year, Macy 's continued with numerous, habitual errors, even after I called several times to correct it and was told that it was corrected. For example, it habitually mailed checks for balances on my account, then treated my account as though I cashed the check with the credit balance when I did not. I would call Macy 's about this, with little to no avail. Macy 's continued to show less on my account even when I had overpaid it and had a balance on it, with the difference explained by a lost or uncashed check, often one that I 'd told Macy 's about. Then when it received no additional payment, it charged me phony late fees. I would call to have that corrected and often was told that it would be when it was not. One example appears to be a {$2.00} charge from XXXX XXXX, 2015 that I should not have. Add to these problems ( of claiming that uncashed checks eliminated credit balances, then using that to charge illicit fees ), as is the case today, no one can be reached at the numbers printed on bills, so there is no way to verify even the false balances Macy 's has been attributing to me throughout the last year or longer. As I write, I just heard a recorded voice tell me that my balance was {$73.00} and change, but I have little idea of what explains it, since I have not gotten a bill and can not reach anyone at their so-called customer service center. I have not gotten a bill from Macy 's in months and can not reach anyone there to discuss this and other problems. I should not have to roll dice to decide what to pay Macy 's, if anything, but that is what I am having to do.
I purchased a XXXX XXXXXXXX XXXX  on XX/XX/XXXX from XXXX 's XXXX & XXXX in XXXX, Texas. The vehicle was financed by Credit Acceptance at 22.01 % for {$22000.00} total amount of payment. On XX/XX/XXXX, Hurricane Harvey hit XXXX, Texas and I had to travel through floodwaters to make it home where I was trapped. I called Credit Acceptance on XX/XX/XXXX to report XXXXXXXX XXXX was in floodwater. I had full coverage insurance through XXXX XXXX and extended warranty protection through XXXX XXXX ( XXXX XXXX ), however, for FEMA disaster assistance, I was advised not to file a claim with the insurance companies. The XXXX XXXX  trouble indicators lit up the dashboard. I took the vehicle to a local XXXX dealership, XXXX XXXX XXXX on XX/XX/XXXX, and diagnosis indicated Multiple DOC 's. I requested letters for both XXXX XXXX and XXXX XXXX in applying for Fema assistance stating I did not file a claim. I received a letter from XXXX XXXX stating they do not cover vehicle damaged by floodwaters. Credit Acceptance informs I had to file a claim with the XXXX XXXX because of Hurricane I missed the XXXX payment. XX/XX/XXXX XXXX XXXX agent XXXX XXXX in a recorded conversation total XXXX XXXX and was going to send a tow truck to retrieve the vehicle from my residence immediately, however, I requested paperwork to provide to lien-holder Credit Acceptance and was told to wait on XXXX XXXX agent for documents. XXXX agent XXXX XXXX read invoice from XXXX XXXX to determine months later the vehicle did not suffer from flood-water damage but needed a catalytic converter. XXXX XXXX provided a check in the amount of {$200.00} to cover my deductible for vehicle repair, stating they will cover the cost for the catalytic converter. I took the vehicle to XXXX XXXX XXXX XXXX on XX/XX/XXXX, and before they release the vehicle I had to pay out of pocket expenses in the amount of XXXX and the following Monday Credit Acceptance repossessed the vehicle. from my job
I refinanced loan without understanding what kind of mortgage it was and the settlement company which rip off me is already out of business, they told me they will reduce my mortgage and convince me to get this loan, at that I was struggling with my mortgage so I refinanced the loan and it was in 2005 and mortgage company was bankunited. I got {$370000.00} loan from the mortgage company and maturity date was XXXX and now I am still with the company and still have loan of {$360000.00} and maturity date is XXXX, I am not understanding why I am paying so much interest for same house and why my principal is not lowered in 11 years, please help me get this answer, I contacted them so many times but I did not get any specific answer, please help me out.
The following company has made multiple inquiries of my credit. I am not applying for new credit. 
Dates include according to XXXX report include : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX
On XX/XX/2018, I transferred XXXX Bitcoin ( {$1000.00} USD at the time ) from my GDAX   account to my Coinbase account. The balance in my GDAX account went to XXXX BTC. When I checked my Coinbase account, the balance was also XXXX BTC. Effectively my Bitcoin balance just disappeared entirely. 

I created a ticket with Coinbase to resolve the issue and it turns out there was a bug on their side which caused the BTC I transferred to be sent to my old deleted account, making it impossible to access the BTC. It has been almost a month with no updates from Coinbase and I am completely unable to access these funds.
I have disputed a 90 day late payment being reported on my XXXX  XXXX account # XXXX for XX/XX/XXXX with XXXX, Trans Union, and XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they have come back and stated that they verified it as accurate. I was in an approved financial forbearance during the time that the delinquency is reporting. I have attached the documentation, so how are they verifying this entry as accurate?
See the attached dispute results, dated XX/XX/XXXX, showing XXXX credit card account XXXX " updated ''. 
Based on the reported Date of First Delinquency/FCRA Compliance Date of XX/XX/XXXX, as well as applicable state law ( NY GBL 380j ) limiting reporting of paid charge-off accounts to no more than 5 years, this account was considered " obsolete '' and had to be deleted as of XX/XX/XXXX.
Two years ago I was charged with a fee of about $400 for a HARP mortgage .  The loan request was not processed by Chase Bank.  I requested return of the fee without Chase response.  I understand that HARP loans do not require a fee.  I want fee returned. XXXX address XXXX Indiana.  XXXX Phone XXXX       Chase Bank Branch located at      XXXX    XXXX Indiana                             
                         
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Equifax is showing a XXXX account open for {$46000.00} but they sent a XXXX and wrote this off. Account balance should be XXXX. I have sent copies of the XXXX twice to Equifax. 
This was removed from my husband 's account but not mine.
cra violationsent po report and idtheft govnot mine XXXX XXXX and equifax taking more than 30days
XX/XX/XXXX, I took out a {$10000.00} PLUS loan ( serviced by Nelnet ) for my son 's college education at XXXX University in XXXX, WA. XX/XX/XXXX, just before beginning his XXXX year, XXXX. XXXX. Doctors have not determined whether he will be able to XXXX or return to complete his schooling. I called Nelnet to see if I it would be possible to for loan forbearance since XXXX may never complete his college education. They explained that if the loan had been in my his name they could have made arrangements, but since the loan is in my name ( for his benefit ), there were no forbearance programs for parents. My son 's medical bill are astronomical and I 'm trying to avoid declaring bankruptcy. Therefore, forbearance would be help my finances and leave more money to provide for my son 's daily care. I would like to know if I have other options besides beginning payments on my son 's student loan?
I agreed to a monthly home phone payment of {$19.00} per month and XXXX tablets at {$10.00} per month. They were supposed to waive all of the fees up front. The amount I should owe from XX/XX/XXXX through XX/XX/XXXX is {$120.00} plus about {$300.00}. to break my contract due to their negligence. That would be a total of about {$420.00}, not {$830.00}
I am a XXXX XXXX XXXX XXXX VETERAN HAVE ASKED THEM TO REMOVE THE LOANS FROM MY CREDIT REPORT HAVE FAXED AND MAILED THE INFORMATION IN NUMEROUIS, TIMES, I HAVE ATTACHED PAPERWORK THAT STATES I AM XXXX XXXX XXXX XXXX XXXX.
I have contacted XXXX XXXX four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, XXXX XXXX began reporting  to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.
I could not continue making payments to XXXX XXXX XXXX XXXX XXXX NE XXXX in XXXX XXXX. I called them and made arrangements for the vehicle to be returned. XXXX XXXX XXXX reported a " charge off '' of {$11000.00} to XXXX. XXXX then sold the debt to a third party ( XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX. ) In XXXX XXXX I contacted XXXX to pay off the debt. XXXX referred me to a third party collector XXXX XXXX XXXX ( XXXX ). I contacted XXXX and we agreed upon {$7700.00} to settle the debt, and I overnight mailed XXXX a cashier 's check. 

Now the problem : I obtained copies of my credit reports from all XXXX credit bureaus and the debt remains showing as a " charge off. '' XXXX says they wo n't report this account as " paid '' to Equifax, that it is XXXX 's responsibility even though XXXX is mentioned on the credit report under XXXX 's Name. XXXX says they wo n't change the status. I have disputed it with Equifax three times and submitted proof of settlement and payment, but Equifax refuses to accurately update the credit report. 

I submit that : one, when XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX, the debt ceased to be a charge off and that XXXX should have changed to status from " charge off '' to " debt sold '' ; two, once XXXX was informed by XXXX that the debt was paid/settled, that XXXX must change the status on the credit report to " paid/settlement '' ; three, that since proof of payment has been provided to Equifax three times and that this inaccurate information on my credit report has been disputed three times ( and that XXXX and XXXX both acknowledge that the debt is paid, ) that Equifax must change the credit report status from " charge off '' to " paid '' or " settlement. ''
XXXX XXXX XXXX This account has never been late ...

grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigatio

n may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.
In XX/XX/XXXX I disputed a fraudulent account with XXXX  for a credit card that was obtained without my knowledge. According to my credit reports the acount went into negative status in XX/XX/XXXX. The fraudulent XXXX ( XXXX XXXX ) account was taken off of my XXXX report. The XXXX account is still on my XXXX report. It was updated in XX/XX/XXXX to reflect it being charged off as a bad debt with no payment history. The XXXX account remains on my Experian report. XX/XX/XXXX it was updated as Failure to Pay Charge off. The comment " subscriber reports dispute resolved-conusmer disagrees '', was added to both Experian and XXXX  reports.

I sent letters to Experian and XXXX  about the fraudulent CFNA account and filed a complaint with the CFPB before. Because of the complaint XXXX ceased reporting the payment history.

However, on XX/XX/XXXX, XXXX  updated the payment history of the account on Experian to reflect another Failure to Pay.
XXXX has been non-compliant with removing the unverified account LVNV FUNDING LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that LVNV FUNDING LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Major issue with Wells Fargo and their payment posting. 8 years into home ownership, starting with Wachovia, now it 's Wells Fargo. Due to circumstances, the lender placed insurance on the home - which was fine, that was just the way it had to be at the time. Per the bank, the only necessary/mandatory payment was the actual mortgage payment ( principal & interest ) - the insurance could be caught up at any time. So some months the insurance was made, but some months only the mortgage payment - BUT NEVER LATE, not once! Through the process, ultimately there was help from the Principal Reduction/Florida Hardest Hit Program - {$16000.00} to be posted directly to the principal balance ( figures provided by Wells Fargo ). After all the signing and everything was said and done - the numbers seemed wrong. Upon further inspection, it became evident that not only had the insurance payments not been posted to the insurance premiums, but the total awarded from the Hardest Hit Fund was NOT APPLIED to the principal balance - only about half was posted there. And through multiple calls and emails to Wells Fargo, their responses have been totally off point -- - they claim they ca n't re-post incorrect payments and they would have to retroactively add money to the principal amount with interest ( even though it was XXXX their mistake ) if they could re-post ; also claim that even though the paperwork plainly states the funds received were to go toward PRINCIPAL ONLY, they needed to pay off the insurance balance. Ultimately, the process of getting the principal to a manageable amount has been completely ruined by Wells Fargo and they are not willing to cooperate in any fashion. Is there any hope of getting anything done about this?
On XX/XX/XXXX I contacted XXXX, Equifax, and XXXX about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from Equifax and XXXX. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!
This bill is not mine i lived renting a house and the owner on XXXX XXXX XXXX. where was my last gas bill but the rental company locked the doors and change locks i could not get in and the landlord use the gas for some months it was not me.
This is my place of employment and they continue to call this number instead of my private number even though they have been requested numerous times that I can not receive these calls at work nor confirm my social security number at work. It is a public place that anyone can hear the conversation. I have requested they call my private number but refuse to and then state that is me refusing the debt and still continue to call my work
the following letter attached shows that this account ( XXXX XXXX  ) does not have any delinquencies, and needs to be updated, i have already spoken to XXXX XXXX and they have updated their data base as never late. XXXX also made sure of a conference all and they have updated their systems. but XXXX and equifax are not cooperating an they are just placing a dispute. please help me to update this account on the credit bureaus as never late for ( XXXX XXXX 2014 ) that needs to be removed. 
letter attached from XXXX XXXX thank you
I purchased a home and it was turned over to Wells Fargo as the servicer.XX/XX/2006. I made my payments on time and know that I have a lot of equity in my home. My income has changed and I have been trying to get a modification from Wells Fargo and they refuse to give me one for all kinds of bogus reasons. Now Wells Fargo is trying to foreclose on my home. It is a XXXX account. I really need help with this matter.
Creditor -EOS CCA Recent Balance - {$1300.00} Date opened - XX/XX/2017 First Reported- XX/XX/2017 Original Creditor - XXXX XXXX The Debt was Charged Off, Sold to another creditor and now the new creditor is reporting the wrong balance on to my credit report. I would like for account to be removed concluding this investigation.
I am repaying part of student loans for my daughter. I fell on hard times and had to claim bankruptcy when I asked if I could lower my monthly payments and have income driven loans I was told to do forbearance which I have had to do on several occasions because I can not pay the monthly payment they want. I have been paying what I can afford to do each month but the loan keeps going up higher and higher and they want more and more. I also believe the rate is higher than originally promised.