WillisBack/dataset-financial-user-claim huggingface dataset:
My ss # came up on a credit report while trying to refinance my home. I did not know why I had a negative report, so I disputed it, and I got the loan. While revisiting my credit report, I see that the report is still on my credit.
I was never contacted by XXXX or Nelnet that my loans were in default. I was under the assumption that since I had recently stopped going to school, my loans were not yet due. I was never sent statements or received phone calls regarding payment for my student loan. Once I found out that the loans were in default, I was never offerred a restructuring or forgiveness for my lates. I took the effort upon finding out how dire the situation was and consolidated under XXXX. They have since paid both XXXX and Nelnet in full. All I am asking both XXXX and Nelnet to do is to remove the late payments on my credit bureau report since I was not made aware the laons were due and in default, they had an incorrect address for me, and upon finding out about the default, neither of them offerred me a restructuring or forgiveness. I have sent numerous emails, letters, and made numerous phone calls to both and they are both unwilling to work with me due to their error.
I received an email from XXXX XXXX that my XXXX XXXX store card had been approved. I did not apply for an XXXX store card. I also received an email from XXXX that my order for a {$1400.00} XXXX headlight was being processed. I do not own a XXXX. I immediately contacted XXXX, they put a freeze on the card and my account so it can not be used. However, the headlight was from a 3rd party seller and I received an email from them that the headlight had shipped. I live in XXXX, MS this headlight is being shipped to someone in New Jersey. I do not know anyone in New Jersey and I did not apply for that card.
Bank is taking money from people without them knowing. I paid for unlimited plan but got put on pay as you go. So instead of 5 a month in fees. I have been paying XXXX per debit and XXXX pre credit transaction. Called and complained was refunded XXXX dollars for the past 2 days. Saying they were wrong, but if so why can I not get the rest that is owed
I paid my debt to XXXX consumer agency and now there are XXXX other agencies trying to collect on the same debt.
I had been using XXXX XXXX to monitor my credit. I received a notice that a collection account was added to XXXX. I filed a dispute because the account was charged off years ago. XXXX completed their investigation and removed the report on XX/XX/XXXX. It had not shown on the other credit reporting agencies until later. I assumed this was taken care of when I received notice from XXXX. I did not dispute this with the other two agencies. At the time I was applying for a home loan and had been preapproved because none of these had shown up. When my loan officer pulled my credit the accounts showed in dispute which FHA will not accept. I contacted Equifax on the XXXX and told them I wasn't disputing the account any longer. I was told it would be removed within 48 hours. I could not get ahold of XXXX until I signed up for their service online ( which should also be a complaint ) XXXX  removed the remark immediately after I spoke with them and sent me notice of that. My loan officer pulled the credit reports the next week assuming they were fixed. Equifax has still not corrected my report. I called them again today and they assured me it would be done right away but I still have not received confirmation from them. I asked them to simply send me a document stating that I had asked them to remove the dispute because the loan officer can work with that and they will not even do that. This is not right for the credit bureaus to allow a collection agency to purchase old debt information that has already been charged off and you have already been punished for and suddenly just throw it onto your credit report. Then to be punished again when you try to straighten this out. None of that is right, however, my main complaint at this point is that Equifax is not removing the dispute that I never asked them to do and will not even give me a document saying that I asked to have this removed.
There was promotional value of 0 % interest for 12 months on the Sears Credit card. The original balance was a little less then {$700.00} and to this date, we have paid over {$750.00} towards this balance. We made other purchases after but were making payments that were suppose to go to the original promotional balance. After calling the company direct, we were told that the payments were going to the full balance instead of the promotional value and that you need to call and set up a separate payment to go towards that. We have a {$100.00} set up as autopay that should go towards the promotional value, but instead they have been using it towards the whole balance instead.
Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX Santander- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX
PROCOLLECT INC # XXXXhave a a unverified account from PROCOLLECT INC . I had previously disputed this account. I have never done business with PROCOLLECT INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PROCOLLECT INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PROCOLLECT INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
I applied for a XXXX card on XX/XX/2016. The advertising for this card promised " apply by XX/XX/2016 to get 10 % back when you use the Card at XXXX XXXX in XX/XX/XXXX, up to {$200.00}. '' I have not been receiving this benefit as promised despite a total of {$490.00} in payments to my wireless telephone service provider, XXXX ( listed in billing as " XXXX '' ). I called American Express customer service on XX/XX/2016 to inform them of this error on their part ; the agent I spoke with verified that I was eligible for the bonus, did not know why I was not receiving the benefit and they said they would " open a case '' and that this would be investigated. I called again approximately 4 weeks later and was told that there was still an " open case '' and that this was still " being investigated. '' I am extremely upset that I was promised a benefit ( which was the main reason I opened the card ) and that your company is not fulfilling it as promised, despite promises it was being investigated and my patiently waiting more than a month and a half for a resolution. I do n't appreciate being blown off like this. It 's time for your company to do as promised and provide me the 10 % back on my wireless telephone payments.
called my work phone on XX/XX/XXXX and XX/XX/XXXX from a XXXX Service number XXXX trying to verify information for me to pursue legal action left number of XXXX then proceeded to contact my husband 's cell phone immediately after calling my work phone both days. We have ignored all calls, but its a scam and harassing. Based on what I can find on the internet I have no idea if they have called other family members.
XXXX We contacted Capital One about the account and they told us that they did n't have any record of the account because they had turned it over to a collection agency. We then contacted that agency and they said that they did n't have it anymore and that Capital One had taken it back. We then called Capital One back and they said that there was no payment ( s ) needed because the account was basically forgiven. At this time we thought everything was on the go so we proceeded on trying to purchase a house. 



XXXX/XXXX/XXXX I got a call from the lender today stating that we had an issue with the Capital One credit history in the amount of {$660.00}. The lender said that we needed to get the 90 and 120 day late payments that Capital One reported to the account off and why on the credit report it states that the status is a " Profit and Loss '' account. I called Capital One in regards to this and they stated that they do n't report Profit and Loss, but they could not explain why. I then asked them to remove the 90 and 120 day late payments off because at the time they closed the account I was the only one working at home and I was put in the hospital for 1 week and out of work for 3 weeks. During this time we were trying to catch up on the behind payments but just was n't able too due lack of funds. At this time they stated that we were in a dispute with them that was not resolved but they reported that it was. When we contacted them about removing the late payments all they said was they would get in touch with their credit department and make sure it was n't misreported. So I called XXXX XXXX and stated a new dispute with them against Capital One on these matters. I need these matters taking care of ASAP so that i can go forward with the closing on my new home mortgage. This is the only thing holding us up at the present time to get the loan.
Eight years ago I took out a payday loan from Cashcall/XXXX. I paid them back and the matter was closed. However, almost immediately after my husband XXXX ( he is ion the XXXX XXXX XXXX ) in XXXX of 2014, I have been receiving threatening calls from random phone numbers all over the US saying that I am going to be served with papers and my wages are going to be garnished if I do not pay my loan. They also try to get me to pay them what I owe right then and there so I would not get served with the fictitious papers. Of course, I have never been served and my wages are just fine. I know these are all scams so I ignored them. 

The other day I returned a missed call on my cell phone. The area code was XXXX, which is XXXX, New York. I returned the call because my husband just transferred his GI Bill to me and I am trying to use it for XXXX school, so I believed this numbered belonged to the Regional VA office that is in fact, in XXXX. Instead, it was a no-name debt collection office saying that Cashcall has referred my past due account to them because I owe them {$8100.00} on a loan I took out 3 years ago. I did not take out a loan 3 years ago. 

Once more, I was told my wages will be garnished and I 'm having papers filed against me and I will be served. The woman I spoke with told me that they have already attempted to serve me with papers multiple times at my old address, which is my parents ' address, which has never happened. 

Although I am very confident this is a scam, it has n't ceased, and as someone who was once in a poor financial situation, it makes my XXXX every time! I am really at my wits end, and I can not imagine how many other people experience this, and how many other people actually actually pay out of fear. 

These people obviously know that I previously had a loan from Cashcall and now using this information to prey on me. All of their claims are absolute nonsense, but it still makes me extremely nervous. 

The phone number I called was ( XXXX ) XXXX. 

Alos, here is a list of the other phone numbers:XXXXXXXXI do not know how to proceed to stop these scammers from bothering me. It seems to be quite an elaborate operation! Again, although I am pretty confident it is a scam, it is still scary. And for the sake of all the other people who go through this, someone needs to step in and get these people.
These companies used the shot gun approach on my credit report with consenting me its damaging to my score
Green Tree has change the Charge Off date so that it does n't get drop off my credit report. 
It also has also lower my FICO Scores. It was charged off back in XX/XX/XXXX and they reported to credit bureaus to reflect an reset charge off date of XX/XX/XXXX ...
I am a victim of what is being called Synthetic Fraud ; where the perpetrator uses my Name and DOB but another SSN. These items are blended into my report and reporting on me. I 've been disputing this for over 3 years with Transunion and they finally were at the final phases of completing with the disputes until they ran Maintenance, which was to eliminate all the accounts with the different SSN but they added all the accounts that had been removed over the years with the dispute process. I 've called on several occasions to the Fraud department and they 're very rude and not helpful. They essentially want to start the dispute process over again rather than blocking these accounts from my credit profile. I am days away from a mortgage and because of their actions on XXXX/XXXX/2015 ; I am in jeopardy of being homeless next Wednesday XXXX/XXXX/2015 if these items are n't removed. I 've provided a police report, a copy of my SSN Card and I 'm still receiving no urgency to remove these items. This complaint is my last resort to force their hand to actually handle this situation manually and remove these items from my report. I 've verbally spoken to each of the creditors in question and provided documentation and validated these accounts are not mine but they move on their own timeline. Time is of the essence and I do n't feel I should be penalized for being a victim in this scenario. Pleas help
About 6months-1year, I went to speedy cash to obtain a loan, received {$2400.00}. 
Since then til current I have paid them back in the total amount of {$3600.00} and XXXX XXXX XXXX is still allowing them to freeze any amount of my hard earned money at any time, I have done all procedures with the lender speedy cash as my bank by paying for the stop payment thru both my account as my card, various times. Still to this current day my bank is allowing them to still freeze and take funds out, I need urgency of help and getting my funds put back in my account, currently 3 days ago they allowed speedy cash to freeze {$580.00} and XXXX XXXX XXXX won't put my money back to my account
I've tried to correct this issue with Equifax several times there's an account that does not belong to me reporting on my credit file. The account was opened under a different social security number and the creditor has verified this information with me I have a letter from the creditor stating that this account doesn't belong to me yet Equifax is still reporting XXXX XXXX and XXXX. I want a re-investigation because the account wasn't opened under my social security. Equifax mixed my credit file with someone elses and gave them my address but the account wasn't open under any address that belonged to me or my social but now Equifax has provided them with my address.
Please refer to my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU correspondence for full details and allegations of " 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score ''.

Please note that I am attaching 2 copies of my XX/XX/2019 CONSUMER FINANCE PROTECTION BUREAU PDF copy that is unsigned for the purpose of clicking supporting links that can be reviewed and another duplicate signed copy that was scanned. 

Both letters describe full details of my allegations of 18 U.S. Code 876 - Mailing threatening and other Federal and State of Texas Statute Violations Maliciously Used to Damage My Experian Report and Score.
I am a Chase Business account holder. I sent money to a company for a service that was not completed through their " Chase Quick Pay '' system. I called Chase bank numerous times and spoke with senior support representatives only to be repeatedly told that they could not offer any protections for electronic money transfer. This is unacceptable, consumers need to have some sort of recourse in the event of fraud.
XX/XX/XXXX Dear XXXX XXXX XXXX XXXX ; American Honda Financial Services has sent a letter requesting payments for a XXXX XXXX XXXX Account # XXXX. The request to payments arrived from XXXX XXXX XXXX Account # XXXX dated XX/XX/XXXX. 
The debt refers to a XXXX silver color XXXX XXXX vin # XXXX. Plates : XXXX. This vehicle was returned to XXXX XXXX XXXX, CA on XX/XX/XXXX and the status of the vehicle was MINT with the lowest mileage for a vehicle of that year. Disputes were not made in the status of the vehicle. 
American Honda notified me by certified mail the XXXX XXXX XXXX was sold and profit was made out of the vehicle. However, I never received any money back from the difference of the sales. Honda claimed they had applied the difference profit of the sales to any outstanding credit in that vehicle. At the time I handed the vehicle to XXXX XXXX XXXX, the payment was up to date. The monthly payments were paid every month. I later received a letter stating the vehicle was sold and profit was made. I signed a release of interest in that vehicle and was mailed to XXXX XXXX XXXX. At that point there should be no standing debts. However, I see Honda is using a collection services to collect debts that have been closed. 
Attached are the letters and evidences. XXXX XXXX XXXX seems not to have updated the credit to the Credit Bureaus and have kept me as a delinquent customer affecting obviously my credit records and credit scores. 
I would appreciate your assistance in this matter. 
Sincerely. 

XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX
I have disputed the following Collection Account with XXXX & Equifax - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
While checking my credit report in XXXX XXXX I saw a collection from Healthcare Collections. I disputed this with the credit agency as well as requested validation on this debt. The collection agency sent me a itemized list from XXXX XXXX XXXX for {$250.00}. I disputed that this bill was not mine and that I 've never been to XXXX XXXX XXXX. They sent me a letter that said that their client was XXXX XXXX XXXX XXXX yet the itemized bill was from XXXX XXXX XXXX. They never sent me validation and said their client XXXX XXXX XXXX has verified the debt. This is unfair and deceitful. I am attaching the itemized bill that clearly says XXXX XXXX and the letter from Healthcare collections stating XXXX XXXX XXXX XXXX. I am in the process of dealing with an attorney on this issue but want to file a compliant.
The account account in dispute. 
XXXX : XXXX This account was chrged off XX/XX/XXXX the date has been changed and this account should have been deleted XX/XX/XXXX
on XXXX/XXXX/XXXX my mortgage company received my XXXX/XXXX/XXXX mortgage payment. They reversed the payment and applied to the principal because as they explained I could not be ahead due to my bankruptcy. They never notified me of their actions. I continued to pay every month. At the end of XXXX when my bankruptcy was over I get this call asking for the XXXX XXXX payment which I had just paid. As we argued the gentleman stated I had bounced my payment for XXXX/XXXX/XXXX. After investigating the matter they found they had not serviced the account correctly however they refused to correct their error. I was not ahead I was on time. I have been charged late fees which they collected from the extra amount I was sending to apply to the principal. Instead of reversing the payment that they applied incorrectly and making current, they now are offering to accept a short sale or I can sign my house to them in lieu of foreclosure. The bank in question is Select Portfolio.
Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$810.00} due to unforeseen circumstances. 

I can instead offer the total amount of $ which is 75 % or {$200.00} as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX
I have not received any sort of response or correspondence form your company regarding making arrangements for a repayment plan on my student loan. Our last discussion stated you were going to work on getting the fraudulent and discriminatory default action taking by XXXX corrected so that your company and myself would be able to come up with a reasonable repayment plan. please advise on the progress you have made ; while I understand the illegal actions were not your choosing, having this Illegal and disgusting action that this loan company committed against me removed from my credit report is a MANDATORY step that needs to be taken before any payment is made.
YET AGAIN EXPERIAN HAVE FAIL TO PROVIDE ME WITH A COPY OF ANY EVIDENCE SUBMITTED BY XXXX.BE ADVISE THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION WAS HEREBY REQUESTED, TO BE PROVIDED.AN EMPLOYEE LOOKING AT THEIR COMPUTER SCREEN, SEEING MY NAME LISTED IN THEIR DATABASE IS NOT VERIFICATION OR VALIDATION OF ANY ALLEGED ACCOUNT. THE SAME ACCOUNT IS ON MY REPORT XXXX TIMES. ENCLOSE IS PROOF OF IT SAME ACCOUNT NUMBERS AND EVER THING HOW CAN THEY DO THAT AND GET AWAY WITH IT.
The company use my work address to send the bill but I never received it! Bill got late 4 months Try to fix the problem with XXXX XXXX without success. Company reported delinquent account. The amount was {$3700.00}. I paid {$13000.00} to liquidate the bill. and they still reported negatively.
I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card account in XXXX and at the time that I signed up for the account, Citi was offering a {$650.00} statement credit if you spent {$2000.00} within the first three months of opening the card and then later purchased a cell phone with plan from XXXX XXXX XXXX. I completed the required spending and then waited to purchase my phone until XX/XX/XXXX.  On XX/XX/XXXX I purchase an XXXX XXXX through the link provided in my Citi account for {$1200.00} ( see attached credit card statement showing the purchase ). I was told that the {$650.00} credit would post to my account within 2 billing cycles of purchasing the phone but I have yet to see the statement credit. I have contacted Citi and provided proof of the purchase of my XXXX XXXX XXXX phone but have not received the credit. Instead, Citi opened up a dispute of the phone purchase ( which I explained was not my intent ... ..I did NOT want to dispute the purchase from the merchant. Rather, I wanted the promised statement credit from Citi ). I have called Citi several times to resolve this issue without a satisfactory response.