WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX collection accounts on my credit report from this company and not only disputed with the credit bureaus but also with the collection agencies. I sent the letter to the address on my credit report. The letter was returned as deliverable. I then sent the letter to another address obtained from a letter sent to me after the credit bureau dispute was received by them ; it was a different address. I asked for the proof that I ever agreed to pay or owe the debt with my signature on it. The only communication I have ever received was that one letter. They refuse to remove, reply, validate or anything else. By not replying, they are agreeing that the debt is not valid and therefore, should be removed. Not only have I received no proof of this debt, but they have also failed to insert a notice of dispute to my credit file which is a violation of the FDCPA and I can take them to court over this along with reporting a debt and failing to verify. In addition to this, they continue to change the account status from open to closed and back again, multiple times per month.
A collection account is reporting to other businesses on my credit file as an open collection. The creditor has reported to Equifax that the account is closed, XXXX balance, and was included in a bankruptcy. XXXX correctly reports the account status as closed. Equifax is the only credit bureau reporting the status as an " open '' collection. I have disputed this info multiple times with Equifax and they are not resolving my issue. I have submitted a complaint to Consumer Protection ( Case # XXXX ) and it was not addressed either. I have called Equifax and they are not resolving my issue. They told me to contact the creditor. I contacted the creditor, XXXX XXXX , XXXX, and they told me they are reporting to Equifax and the other XXXX credit bureaus that this account is closed. I am attaching supporting documentation this time to my complaint from XXXX XXXX that keeps showing this collection as an open collection. I was recently denied credit by several companies for an auto loan because of this open collection reporting to them when they pulled my credit report as well. This collection account reporting as open instead of as closed is negatively impacting my credit score even though it is a XXXX balance. An open collection harms my credit score more than a closed collection. If this complaint is not resolved this time, I will be contacting an attorney for legal services. I have been trying to get this issue resolved via telephone, dispute process, complaint process, etc. for months.
I have been getting calls fromm NCB Management at my place of employment and I have already set up a payment plan with this company through their website and the first payment had already come out on XX/XX/XXXX of {$75.00} and the next one is scheduled to come out XX/XX/XXXXof {$75.00}. They call my job everyday and I am not getting called into my bosses office about this. I work with kids and I ca n't get away to take these phone calls and if I have a payment arrangement set up and the first payment was already made why do they have to continue to call me like that.
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
I have a JC Penney credit card that is being serviced through Synchrony Bank. In XXXX of 2015 I contacted JC Penney/Synchrony Bank in order to rectify and pay off any past due debt that I owed them. I came to an agreement with them and even received a letter stating that they would accept a settlement offer of {$360.00} dated XXXX XXXX, 2015 in order to close out the account. I happily accepted and as soon as I got the letter I attempted to consumate the agreement and pay them off. When I tried calling them to pay off the amount agreed upon, I was told by a XXXX that they could n't accept my payment because they were no longer collecting the debt because it was past the " statute of limitations. '' When I asked her to clarify that statement, she could n't clarify it but just said that they would not be taking my money. I asked for an employee ID and she refused. I then asked to speak to a manager and was transferred to a voicemail. I attempted to call him again at a later date and XXXX again I got a voicemail and have yet to receive a return call. I then spoke to a different representative named XXXX on a different date and he said they would not take my money. They even sent me a letter dated XXXX XXXX, 2015 which is just 6 days after they sent me a settlement offer stating that they were not going to collect on this debt but that they were still going to credit report it! For a few weeks I tried calling them to pay them the settlement offer we had agreed upon but they still wo n't accept my payment. I may not be a legal expert, but I know they ca n't simply refuse my payment because they are claiming they are no longer collecting it and STILL report it as an unpaid debt. That is fraud, defamation of character, and outright Malicious. Not only that, but because they wo n't take my money to clear this debt I am unable to proceed in obtaining credit as most creditors want me to pay this debt before they will extend me credit themselves. Does Synchrony Bank want their money or not? Either they accept my money so I can clear off my debt or they truly stop collecting this debt and stop reporting any balance owed since they refuse to accept any payments. They ca n't have it both ways. Please assist me in this as I am trying very hard to clear up my debt and if you can not assist me then I will be forced to sue Synchrony Bank.
I have several inaccurate addresses on my credit report. I have never received any documentation on several accounts that are listed wrong on a unverified Bankruptcy. I contacted the U.S. BANKRUPTCY COURT and I was told they didnt furnish that information about a bankruptcy. Who furnished the information on the case? 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
My Employer XXXX XXXX XXXX XXXX  The follwing addresses are not mine please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following number are not mine please delete ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I recently obtained a copy of my credit report on XX/XX/2018 and I seen that I have a {$1200.00} bill from a collection agency named Sources Receivables Manag that was sold to them by XXXX. I then attempted to reach out to the company to send me a debt validation letter to make them look into the account further because I didnt have any cancellation fees with XXXX when I disconnected my devices because I wasnt under contract so I knew I definitely didnt owe them {$1200.00}. The company stated that they had previously sent me a letter and wasnt going to send me another one. I then asked for the address that they sent it to because I didnt receive one. They gave me an incorrect address, I advised them that it was wrong and asked would they send it to my correct address and he told me no he wasnt going to, I asked why and he stated because he sent it to the address on file and I then let him know again that it was incorrect. He said that his associates talked to me on numerous occasions & that they notated the account each time with statements that I had given them telling them why I couldnt pay off the debt. I let the representative know that I havent talked to anyone about this account, I didnt even know it existed until this month. He then proceeded to keep reading the falsified statements that were made by his associates and I again told him that I havent spoken with anyone at anytime about this debt. He ended the call stating that he would not send a debt validation letter to my correct address and I could settle the debt for {$600.00} if I wanted to.
When attempting to submit a dispute by clicking on Experian 's Icon start a dispute online, I was directed to a page " Page not found '' https : //www.experian.com/XXXX https : //www.experian.comXXXX XXXX  Therefore Experian is blocking my ability to file a dispute with them.
My American Express Macy 's credit card failed to send me any sort of invoice or bill for purchases I made on the card. Then then charged me XXXX late fees and ultimately reported the account as delinquent to the XXXX credit company which brought down my credit score and caused me to be denied a loan. When I contacted them they said I was set up for " electronic billing '' but they did not have my email address. I never signed up for electronic billing, so I do n't know why they would say that. Also, they have my home address, so if they did n't have my email, they could have sent a bill there. I had to pay over {$100.00} in late fees and it ruined my credit score, cost me a car loan, and took hours out of my life trying to get it resolved. I have never not paid a bill in my life. If they had sent me a bill, I would have paid it, but I had no idea there was an outstanding balance because they did not notify me. I spoke with multiple representatives, waited hours on hold, and no one has been able to help me. I was told someone was going to contact me to resolve this, but it has been a week and I have heard nothing.
On XX/XX/2019 I got a alert on my credit report about a new account opened by Midwest Recovery Systems. I have never heard of this company nor have done business with them! Upon calling XXXX I found out this company is a collection agency. This company never contacted me to inform about a debt, where or what its from, or to give me an opportunity to dispute this debt. I dont know any information about this debt. This company has never made an attempt to contact me.
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against LVNV FUDNING for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.
I went to the school back in XX/XX/XXXX and graduated in XX/XX/XXXX with a loan of {$40000.00}. The school has closed and I didnt even receive my diploma and have no way to receive it. Due to the closer of the schools ; because of fraud!! And now Im obligated to repay this loan??
I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from IC Systems As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
My credit card information from American Express was stolen in XXXX XXXX. I resolved the issue through the legal department of AE. They redacted all bad credit reports, admitted it was fraud and covered it under my fraud insurance and said it was resolved. 

Since that time I have had 5-10 phone calls every day from collection agencies. Anything from messages telling me " the police were coming for me for not paying my bills '' to the " IRS is going to put a lein on my wages. '' I have told the people who call to leave me alone and stop calling. I have texted them. I continue to block the phone calls but it is not stopping. They are harassing me and I would hope you could help me stop the harassment. Enough is enough. 

Some of the phone numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and about 200 more numbers ...
My credit history has been excellent ( i.e., 0 % utilization rate ; 100 % ontime pymts past 7 years ; XXXX open mixed accounts ; all other paid accounts in good standing ; XXXX small pd tax lien in XX/XX/XXXX ( {$5400.00} pd in 3 months ) ; avg credit history 4 yrs 7 mos - XXXX account for 9 yrs ; XXXX for 8 yrs ; XXXX small car loan opened XX/XX/XXXX ( first car loan in 10 yrs ) and XXXX rate and term refinance 6 mos ago ; XXXX hard inquiries in past yr ( XXXX for refi in XX/XX/XXXX and XXXX for new home loan XX/XX/XXXX ). My TU XXXX score has been between XXXX and XXXX last three months ( including a score of XXXX TODAY ) but when lender ran Classic XXXX TU on these exact same factors on XX/XX/XXXX a score of XXXX was issued. This will increase my interest rate a full point. 
I contacted XXXX and her supervisor XXXX at TU starting at XXXX this evening and neither could provide a rationale for such a low score. The gist of the conversation was that lenders can evaluate whatever they please and a borrower will never know what information was used. 
My score should be much higher for all the effort I dedicate to caring for it. Meanwhile the lending industry 's shell game of " XXXX different credit scores '' continues to ensure that people with excellent credit will still be stuck with high interest rates. The endless choice of models based on using credit ( or not using credit ) guarantees every lender an excuse to bleed borrowers no matter how strong their credit history is. 
Please investigate my complaint into this " rigged '' system, especially the following : 1. I believe my credit score was unfairly used and manipulated to generate a false impression of creditworthiness. My " excellent '' set of credit factors for the banking, credit card, insurance and auto loan models inexplicably reversed into a " poor '' set of factors under a mortgage model. This is outrageous and TU ca n't explain it. If there 's no valid explanation ( and how could there be? ) TU must be encouraged to report the data that is excellent/positive throughout all other models as excellent/positive on the mortgage model as well. 
2. TU needs to be able to explain why a set of positive parameters under one model becomes a strong set of negative factors under another. 
3. Please also lobby to halt the practice of allowing the credit bureaus to have hundreds of scores designed to penalize consumers no matter what their credit situation is. 
I need a response quickly due to escrow closing XX/XX/XXXX and I 'm facing a full % point increase if these reports are not corrected. All efforts to expedite action will be deeply appreciated. 
XXXX XXXX
I am a single working mother with no family or financial resources. I purchased a used car on XXXX/XXXX/XXXX, in a state of utter desperation. I later discovered I had been a perfect candidate for a " subprime loan '' ( the details of which I was not fully aware ), and which pretty much assured I would not be able to keep up with the very high payments and penalties. The lender is Santander, one of the top subprime lenders as I understand. During the course of the loan, I did make several late payments and was charged penality feels. At one point, the car was actually repossessed, but I was Able to get the car back by paying various additional fees ( which I had to borrow from a friend ) in addition monthly loan Amount. The car was Totalled in XXXX, XXXX. Despite having paid for gap insurance, Santander did not accept the gap insurance for the coverage of accrued late and/ or penalty fees - which started out at {$5800.00}. Hence, at this point, I no longer have the car, but had to agree to make monthly payments for two or three years. After receiving my tax refund, I made monthly payments of XXXX a month - but when thel money ran out I could not keep up with payments, especially BC I lost a job and I was sold another used car with a bad title ; As of now! I I have n't been credited for paymwmts that were made, they continue to accrue Inretest, and Santander calls my cell phone about 7 times a day - they have also reported the nin- payment to my credit report. I apparently now owe {$6200.00}. Deapire the original amount being {$5800.00}, against which I made about 5 or 6 payments of XXXX They call me all day and night - and have also been calling two friends if mine as well as my step father. Please help!
Equifax shows a unnamed account on my credit report for XXXX there is NO NAME no phone number no company provided with NO OWNERSHIP see photo attached ive tried to contact Equifax and was hung up twice and disconnected twice, ive disputed the info on their website with no success. 

this is fraud at its finest, not to mention the unprofessionalism on Equifax part.
We received a Loan with Seterus INC for the orginal value of {$390000.00}. We were paying PMI of {$300.00}. We refinanced through HARP because we wanted to get lower interest rate and shorter term ( 15 years ) and to be able to cancel the PMI sooner. No appraisal was done and we refinanced through Seterus Inc for the original loan value of {$390000.00}. I requested PMI to automatically terminate as of XXXX XXXX, since our LTV was below XXXX %. They are now saying that because we refinanced through HARP, our PMI does not automatically cancel until XXXX XXXX. We never changed the loan agreement based on the Original Loan value of {$390000.00}. Now, Seterus Inc is asking us to buy an appraisal for {$350.00} to assess the current value of our home. This is fraudulent.
I am disputing an account on my Equifax credit report that is inaccurately reporting. The inaccurate account is XXXX and today, XX/X/2017, I received an alert that a new collection was added to my credit report. I have been disputing this account for about two years so this is not a new collection. I want this error corrected immediately! It seems as if this collection was just added to my report today when it has been reporting for about two years. This has caused my score to drop. Despite this inaccurate information reporting I have continued to build good credit and increase my score. I should not be losing points due to an account reporting inaccurately. Furthermore, I have no business with this company and this account should be deleted altogether. Equifax continues to say this account is verified, however they refuse to provide information on how this account was verified as accurate. Equifax said in their own words that information was supplied from the creditor and I quote " Equifax supplies this information upon request to qualified users of this information. '' I have requested method of verification numerous times to no avail. Equifax always gives me some bogus, generic response that does n't make any sense and does n't have anything with what I requested. Per FCRA Section 611 I have a right to request method of verification and if not I do not receive a response within 15 days this information must be removed from my credit report. Well if you count all the times I have requested method of verification this should have been removed from my credit report. I was a victim of identity theft around the same time this account reported hence why there is a fraud alert on all of my reports with all three bureaus. With this data breech and XXXX knows what else Equifax is hiding, I would think this company would take my disputes more seriously and be cautious of the information reporting in my file. I know mistakes happen but it should not be at my expense. Please remove this inaccurate information from my report and send me an updated copy of my credit report once this has been completed. Thank you.
I have been recently discharged in Bankruptcy Court of XXXX Tennessee Docket XXXX. all other credit reporting have removed the accounts as being reported except Transunion
Good morning, AES misleads lenders in their communications. Recently, I fell behind and received a notice saying that my account was past due by a month. That is fair. But AES does not specify exactly how much is past due and how much is currently owed. They only give the customer the total amount owed.
This can give the customer the impression that twice as much is past due. I have raised this concern with AES and they did not know how to address this.
Service provider Bayview Loan Servicing LLC applied hazard insurance to my mortgage ( XXXX XXXX through XXXX XXXX ) account in excess of any authority in the loan agreement. I would like a full refund of money collected for hazard insurance and any overpayments to an ancillary escrow account. The Servicer also issued a Notice of Default based on erroneous accounting.
I purchased a vehicle from Wells Fargo in XXXX. My payments were 74 months which my car would had been paid off in XXXX. Wells Fargo state my last payment was received in XXXX. Wells Fargo states there was a balance of XXXX, but never received letter and this is now XXXX and I still have the car in my possession. Wells Fargo sold the account to XXXX XXXX, then to XXXX, and now XXXX claim they purchased the account in XXXX. I never received any mail and thought my car was paid off until XXXX someone hit my car and insurance still listed Wells Fargo as the lien holder. I called Wells Fargo and the lady was like you still owe XXXX and something, I ca n't remember the correct amount. I sent the check of XXXX from the insurance and XXXX in XXXX. Never received my title. I have a car that I do not need for some years and want to get rid of it. I called Wells Fargo for title and they said to call the people who the account was sold to. Called all the places listed in statement. Superlative wanted me to pay XXXX and I asked what happened to the money sent and told the guy XXXX, I have the receipts and need my title. Keep in mind this is not on my credit report never received mail from these people but yet they have my title. This vehicle is a XXXX in my possession and I told the guy if I still owed on this car why Wells Fargo never repossessed the car back in XXXX.I finally called XXXX back and told the guy I am seeking an attorney then he said yes a check was received in XXXX and I asked why it was not deducted from the amount owed. Keep in mind I am getting different amounts. The gentlemen at XXXX now want to investigate, but he hung up on me just as the other guy at XXXX did when I started asking about the money sent in XXXX. I am tired and just want my title because this is longer than 7 years and I need my title. They keep selling the account and no one is checking into nothing. Please help! I hope other people are not getting ripped off.
I received a certified letter on XX/XX/XXXX stating that I owe a judgment to XXXX XXXX XXXX   DBA from the year of XXXX I don't know who I'm suppose to owe or why I'm suppose to owe them. Please help me to find out what is going on. Thank you very much. You can contact me XXXX XXXX at ( XXXX ) XXXX- XXXX.
Discover Bank is reporting my old account which was closed in Chapter XXXX BK as open. I am not disputing the information that they have provided. However, I am asking that they review this account a make a business decision to have the Consumer Reporting Agencies adjust the reporting from open to closed.