WillisBack/dataset-financial-user-claim huggingface dataset:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the collection agencies, NCB MANAGEMENT and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too much time passed. I 've made contact via certified mail 2 times. XX/XX/XXXX and XX/XX/XXXX. Still have not received anything back or response.
Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. I mailed a certified letter asking for proof of validation and they have not responded.
On XXXX/XXXX/2016, DT CREDIT ( DriveTimeXXXX ), XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX, conducted a credit inquiry to my credit record from XXXX without my consent or information provided directly by me. 

This adversely impacts my credit report at a time in which I am trying to seek financing for a VA home mortgage within the next 90 days. 

I do not have an account through DriveTimeXXXX, nor am I currently applying for an account. They claim this information was provided through a third-party company to them.
I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with experian and XXXX and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time.
I was given my first bill on XX/XX/18. I enrolled in automatic recurring payments on XX/XX/18 so that I wouldn't be late. Then on XX/XX/18 I was considered late for my bill and charged a {$25.00} fee. I contacted and they said you have to be enrolled before the bill is posted for it to count. I was not notified I was late until XX/XX/18 by email.
TD bank manger is sending me handwritten envelopes with letter threatening to close my account, harassing me by telling me not to write checks or use my debit card. I called the customer service number 2 times and was told there was no record of my complaints. I was also told the mangers manger would call and this was also a lie.
National Credit Systems amount is {$1500.00} and I have sent National Credit Systems a debt validation and National Credit Systems has not responded.
On XX/XX/XXXX, I signed registered with the University XXXX XXXX for an XXXX class ( XXXX XXXX ). The very next day I got an email stating the class is not excepting enrollments from the University XXXX XXXX and thus I did not take the class. In XX/XX/XXXX, I get a letter from Williams & Fudge , Inc stating I owe {$1500.00}, about a quarter of it is late fees. I ca n't understand why they want me to pay for a class I could not attend per the University XXXX XXXX.
I had an end of auto lease obligation to pay Nissan Motor Acceptance Company back in XXXX 2015. I contacted NMAC via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying NMAC {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency that required a payment for the alleged debt I owed NMAC. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, Nissan Motor Acceptance Company hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. NMAC refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in Nissan 's best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with Nissan again. XXXX of companies work with you on this, they assist you with monthly payments ; however, Nissan does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.
In XX/XX/XXXX i filed an original complaint on XXXX  XXXX XXXX as well as Equifax for erroneous account information listed on my credi report. The account number for the XXXX account is XXXX. XXXX XXXX XXXX researched the information and based on the items, documents i provided, were able to correct the negative information found on my credit reports. However on XX/XX/XXXX the negative reporting of the XXXX  XXXX XXXX Account ending in XXXX was re-inserted and even shows a balance owed of {$35000.00}. XXXX  XXXX XXXX had previously responded to me as well as CFPB this information : Company 's Response During our recent conversation on XX/XX/XXXX, we discussed the auto loan ending in XXXX. We confirmed that based on your recent inquiry, an adjustment was submitted on XX/XX/XXXX, to report your account as a discharged bankruptcy account with a XXXX  balance with Equifax. In addition, derogatory history after XX/XX/XXXX was also removed. The corresponding notice was sent to the address on file on XX/XX/XXXX. We also confirmed that it may take up to 90 days for the consumer reporting agencies to make the adjustment and update their records. However, if your consumer report remains unchanged after 90 days, you can contact Equifax directly, and provide them with a copy of the letter dated XX/XX/XXXX. We followed up with you on XX/XX/XXXX, and during our telephone conversation, you confirm that the letter dated XX/XX/XXXX, had not arrived. Therefore, we would send a copy of the letter to the address on file by XXXX. 

This is proof that they had saw the error, and claimed to have corrected the error. The problem was realized again on XX/XX/XXXX when i got an alert via my credit monitoring with the credit bureaus that showed my credit score dropping from a score of XXXX XX/XX/XXXX to a score of XXXX on XX/XX/XXXX, XXXX points! Not only did the score drop, but the balance went from {$0.00} to {$35000.00} and the negative history that was erased dating back to XX/XX/XXXX, was reinserted, along with a status of the account of past due, and " charge-off ''. This needs to be corrected IMMEDIATELY not 90 days, as I am supplying proof from XXXX, along with original XXXX  XXXX XXXX response. The previous complaint number to CFPB is XXXX for XXXX  XXXX XXXX and the complaint number to CFPB for Equifax is XXXX. This is a FCRA violation and based on the law : If you can show that the credit reporting agency ( CRA ), information furnisher, or entity using the information willfully violated its obligations under the FCRA, then you may be entitled to recover up to all of the following damages : statutory damages damages between {$100.00} and {$1000.00} ( to get these you don't have to prove that the violation harmed you ). Clearly a drop in score of 125 points has harmed me, and the fact that the negative information was disputed and corrected, to yet go on a month later and be re-inserted again, has further harmed me.
Today is XXXX, I will begin this is not the first time this has been done to me by a XXXX XXXX Credit Card for a Store. Today it was XXXX XXXX. What they do is on the website after you receive the card they advertise to set up auto payments so you are never charged and late fee and do not miss any payments. What THEY don't tell you is that the auto payments take up to 30 days to be active and work properly. So the consumer feels they have set up the payment and things are fine. Well then the auto payment doesn't work and they charge you a late fee. I have inquired both times this has happened to me the other card I believe was for XXXX XXXX. I am wondering just how many people blindly pay the fees and the kind of revenue that generates for misaddressing for XXXX XXXX. Many stores use this credit card and I am in the process of paying off my cards with Synchrony and will never get another card for a store if I find they use Synchrony it is always just a hassle with this company.
I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months include that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.
After previous disputes I was able to get   XXXX   XXXX   and  XXXX   XXXX  off my credit report from Equifax but without giving me any notice Equifax put the collections back on my credit report   XXXX   XXXX   has n't reported since  XXXX    XXXX   they were removed  XXXX    XXXX  .  XXXX  was removed in  XXXX    XXXX  .
In XX/XX/XXXX I opened an account with Santander Consumer through a XXXX  branch in GA. The account was sold to me as a single use account to cover the purchase made that day.

I made all timely payments, always more than the minimum amount due. On a XX/XX/XXXX instead of paying the required {$25.00}, I paid the account in full for {$230.00}. In XX/XX/XXXX I received a statement for. {$0.00} cents. I called and asked why I had gotten a bill when I had paid in full. The employee stated that it was interest on the number of days between my last bill and time paid. I told her that was silly and it would now cost me more than {$0.00} to pay then. I was then told not to worry about it. I didn't.

Then in XX/XX/XXXX I got a call about an outstanding amount. I disputed that on the call making it very clear that the account was paid in full and closed. The calls continued. I disputed. No luck. Now they have place a derogatory mark for charged off with credit bureaus for {$250.00}. An account I paid in full, called and cared for {$0.00} and closed is impacting my credit score and I was denied a mortgage because I lacked the desired 720. If they are insisting on their {$.00} I will gladly pay it but they are refusing to remove this mark from my credit report. In 7 years I have missed one payment on a credit card, and with utilization of 31 % this collections which is incorrect, unfair and a money grab is impacting my ability to buy a home. I want this removed from the credit reporting agencies.
Each month when I pay my mortgage and escrow, Wells Fargo take my check and places it in an " unapplied '' account. The problem here is recurring and in XXXX 2015 Wells was found to have misapplied funds and was led to back track and make corrections. 

The problem persists because Wells refuses to address the issue of the errors in the ledger and therefore continue to misapply the account management. The error here is very clear and if Wells would make the correction, this situation would be resolved. 

This is the error that is causing the " unapplied funds '' Tax : XXXX Ins : XXXX Escrow XXXX However according to your Escrow records ( XXXX/XXXX/2015 ) was there is a standing escrow balance of XXXX. 

Escrow account : XXXX Pre Balance : XXXX correct Escrow XXXX Wells Fargo has made no effort to address this problem.
This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting, regarding the entry being reported under XXXX XXXX! 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX substantiating their claims! Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I will have no other choice to File a small Claims Lawsuit against you and XXXX XXXX XXXX! I have maintained careful records of your actions as well as XXXX XXXX XXXX! Im a victim of fraud and Im trying to get to the bottom of things and you have failed to provide me with help! 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance, incorrect account number, incorrect name, an updated late pay, missing payment history of payments made before and after charge off, inaccurate date of last activity, an incorrect original credit limit, a late pay after account was closed, charge off listed as OPEN a collection account with a limit! 


Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action XXXX or in-action ) on your behalf will result in a small claims action against your company. 

I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office
I have missed XXXX monthly payments and the company is calling me 10 times a day, starting XXXX until XXXX, 7 days a week. I feel that this is not legal and definitely bordering on harassment.
After repeated communication that I was unable to pay for my student loans. I received several calls in one day from Sallie Mae. The most recent call at XXXX on XXXX XXXX, was from a rep. who yelled at me and threatened to add additional delinquency fees.
On XXXX XXXX, 2016 I began receiving up to three calls daily from what I believe is XXXX/ASCI Collection Services ( www.acsi-collections.com ). In the past month I have logged nearly fifty calls from eleven different phone numbers with similar calling patterns. To date, no call has ever left an intelligible voice message. I 've resorted to whitelisting contacts in my address book. 

As described on their own website, this company 's calling infrastructure is fully automated and allegedly makes up to XXXX unsolicited calls every day. 

I 'm complaining because I 'm almost certain that the debt in question is a case of mistaken identity. I have incurred no significant debts, past or present, and my credit score is excellent ( XXXX ). This company boasts about its ability to harass debtors and does n't bother to identify itself or provide contact information when they call.
I requested a copy of my credit report for review and found XXXX discrepancies. There is a XXXX after my name showing XXXX XXXX XXXX XXXX, and I have never used any numbers after my last name. There is also a former address that is not mine listed on my credit report that is the next address listed under my current address. The incorrect address on the report is XXXX XXXX XXXX, XXXX, IL. XXXX. This was reported on XX/XX/2012 and last reported on XXXX/XXXX/2012.
On XXXX/XXXX/2016, I submitted XXXX transactions on MoneyGram International site. XXXX of them succeeded, yet there was network connectivity issues between MoneyGram and my bank via through me. Due to the first transaction, it became an error, yet my bank still saw the hold amount against my account as authorized transaction. XXXX one was canceled in my choice due to the first error. The XXXX transaction, I choose to post ACH money transfer through my routing and checking account, and that too was successful attempt, and due to the present errors I found after the fact of calling MoneyGram, I canceled the third transaction. On XXXX/XXXX/2016, I see a debited amount charged on my account of {$99.00} against me, and now caused overdraft charges to other amounts I posted besides this charge, that I did cancel was posted by XXXX XXXX and paid MoneyGram, yet they insisted and denied that they did not receive any monies from due to it 's cancellation. I have documents to suffice and prove this is the later and is contrary and untrue, and was still charged and my bank institution still accepted the payment and debited other fees due to my in the negative balances.
I was recently notified by XXXX XXXX, that TransUnion has stopped recognizing an open account of mine that has always been on my credit reports. In my case, XXXX XXXX in Connecticut. An active account I have had for years and was never late on. When they did this ... my credit score dropped by over 70 points. I never authorized them to do so. They just took it upon themselves to delete it and my credit rating suffered greatly. What gives them the right to do this?
I have never been able to get my free annual credit report from TransUnion, but i was able to get annual free credit report of XXXX and XXXX until two or three years ago. I complained then, but cant remember what the response was.
On XXXX XXXX, 2016 I was notified by XXXX and XXXX that a debt was placed on my account by a collection company named Allianceone Receivables from XXXX, PA. According to the debt placed on my account, the original creditor was " XXXX XXXX of XXXX XXXX. '' I have never had contact with either company nor have I received mail, email, or a phone call from either company at any time for any reason. An online search found no results for the company " XXXX XXXX XXXX XXXX XXXX. '' It appears that Allianceone Receivables has created a fraudulent debt and illegally placed a debt on my credit report without first contacting me. I called Allianceone Receivables on XXXX XXXX, 2016 to discuss this issue. The automated system required that I input my social security number before I could talk to a person. Given the suspicious nature of this situation, I believe that it would be unsafe to enter my SSN into this automated system.
In a 31 day or less Billing Cycle I make at least XXXX payment to my accounts with Capital One. Each time I make these XXXX payments this company takes almost 50 % of the payment amount toward the balance for APR each time, not only for purchases but cash advances. Making it almost impossible to every pay down your balances. I want to know the interest that is charge should be on each payment you make after initially making your minium monthly payments each month is a violation of my consumer rights?
I am writing in regards to the late payments on my account. In the years XXXX I was dealing with personal illness and death in my family. I had even started the process of applying to have my student loans permanently discharged. Due to illness I was unable to work, and that is why I got behind in my loan payments. Nelnet was notified of this health issue, and I started the discharge of loan application with Nelnet, so Nelnet was property notified of my health issues and therefore should not have any negative postings on my credit. Today my health has recovered substantially, and I do work, and I am a graduate student. Upon graduation I will gladly work with Nelnet to repay my student loans ( currently they are both in deferment and in the low income repayment plan ). I wish to say my ability to repay Nelnet would be substantially increased if Nelnet removes the late payments from my credit report. While it is and always was my responsibility to repay my loans and work with Nelnet on that matter, I should not be permanently penalized for this matter because doing so impedes my ability to earn money and pay Nelnet back. Please remove the late payments from all three major credit bureaus. I have been responsible for Nelnet payments or keeping my status up to date for about two years now. After disputing this on XXXX, XXXX had deleted all but one of the negative accounts. But then Nelnet decided to repost the negative entries.
I received an offer for XXXX points for opening a Citi Priority Checking Account with the stipulation I make consistent bill payments and a large purchase with my debit card within a certain period of time. I opened the account and funded with {$500.00}, and over the course of the next week, also deposited an additional {$300.00} check, {$500.00} check, and {$2300.00} cash, which would have covered my bill payments, large purchase, and some left over. 

Following this, I learned I was unable to use any of my funds and all transactions, transfers, and bill payments were being denied. I used both online chat and called several times, speaking to a manager last, who all said I could not access my money because a check needed to be verified. However, I rebutted that cash must still be available for me to withdraw since it was a non-suspicious amount and regulations required it to be available, but they insisted that the one check on hold meant they could hold my entire balance.

I asked if they could expedite and they said no. I asked if I could verify the information on the phone and they said no. I asked why my cash was unavailable and I kept getting an answer that my check was on hold, and no funds would be available until XXXX. 

Then I asked to close my account, and they refused. 

It seems as though Citi lured me with a marketing offer, and is now refusing to let me use any and all of my money as my online account and card are locked. I can not withdraw my money to pay these bills, and can not access my funds in any way.
Recently while defrosting my credit to apply for loan for a land loan my credit was breached by someone opening a checking account and depositing XXXX in my account XX/XX/XXXX which was done with my address and social security number with PENFED CREDIT UNION. This was not me. 

Thank you for help and assistance to secure and protect me as a consumer.