WillisBack/dataset-financial-user-claim huggingface dataset:
This company Orian Management from XXXX, CA employee by the name of XXXX called my job stating that he had some papers to serve for court and do he want me to serve them at my job or at my house. He also continues to call my cell pone harassing me over and over again. I DO NOT want them to call me again.
XXXX has not applied all payments to my debt, I sent information and copies of my bank statement showing payments had not been credited to my account so I stopped paying and they turned it over to a collection agency. I have sent other info to collection agency twice and have n't heard from them for a few months. They need to apply my payments and stop sending wrong information to collection agency.My credit is not very good and this makes it even harder when they refuse to correct there mistakes..
I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective X/X/2017 that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.
I shopped at amazon did get a credit card from them by way of XXXX. got a notice I owed XXXX dollars XXXX years ago. asked for the bills that demonstrated this purchase. many times, they promised always -- at that time it was crown assets who had the account now p and c XXXX ... no one ever sends it ... if I get it, and it is mine I will pay it ... now they say they are getting a judgment.
XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on Equifax. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.
Equifax is stating that they have verified a collection on my report with XXXX XXXX XXXX DBA XXXX   but they haven't actually provided the information needed to verify it. I am not aware of this specific collection and they refuse to get original invoices from this company.
CBB Collections in XXXX XXXX is trying to attach my SSD check of only XXXX per month for old medical debts in 2013. They have filed with the Court and are asking for trial. I do not work, have been XXXX XXXX for 14 years and barely make it. They are suing me for {$760.00} which is more than half of my monthly direct deposit Social Security Check.
I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past XXXX years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from XXXX XXXX on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw BYL collection services as a negative account on my credit report. I called BYL collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is XXXX XXXX. They told me that I should call Experian to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from BYL Collect. After they get the prove, they will mark it as paid, so XXXX agency suggested me to call BYL to ask them to send a prove to them to prove that I paid. Then, I called BYL collect again, they told me since they no longer have this payment, and I paid to XXXX XXXX, so they can not do anything about this. ThenI called XXXX again to ask them if I can call XXXX XXXX, they said it 's not working because the negative account on my report is BYL collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. BYL said they could n't help me, but the negative account on my credit report is still BYL collect. I do n't know what should I do now.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
I have an entry on my credit report from Northwest Financial Services in XXXX XXXX, Missouri that stems from a medical bill from XXXX that was reading an x-ray on my finger back in early 2008. The original bill was XXXX and now they have increased it to over XXXX. This bill is past the seven year mark and they have been made aware of this but they state that they can report this for ten years. This is violation of FCRA. I have wrote letters, made numerous phone calls and always I am told that it remains fro ten years.
Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap
I have complained about this company XXXX through the CFPB and wrote both times that they were to stop calling any number they have for me. The XXXX complaint got no response and the XXXX XXXX I was un able to access the respone on the website. The CFPB said that the company recieved both comnplaints so I know they have seen the do not call me anymore message. Also I have disputed the known debts from this company and that should also be on record with the CFPB
I have been paying on a student loan to Wells Fargo that was purchased from Wachovia Bank over 13 years ago. I am co signor. My son XXXX XXXX is the student. He states that a few years ago, he got a buyout on loans from XXXX and paid them off. He contests that the Wells Fargo loan is or is partially bogus. I am co signor so I was not aware of any settlement. I am trying to buy a house and these are on my credit report, FOR YEARS, even though I have been paying {$200.00} month. I have spoken to XXXX over the years but never got any information about the loan until recently. He said Wells Fargo would accept XXXX for settlement and I was going to use my XXXX club to pay it, but now I 'm not sure that I ever owed this amount and I have been paying on it for years. We had a fraudulent dealing with our local Wachovia Bank in XXXX PA and think this is a case of fraudulent billing. XXXX said something about interest and compounding on a loan. At any rate, I would like this investigated. Having this on my credit report for years has hampered my ability to do anything, and I have been paying on it for years, never late. Please advise ASAP.
I had old child support deleted from all XXXX credit bureau they are more then 7 years old now equifax has now put it back on my credit report within 7 days. they are just doing what they want with my credit report
This company ignored my validation of debt request, and is continuing to try to collect this debt from me. It is trying to artificially inflate the price of the alleged original debt with interest and fees, in an attempt to collect on an amount greater than what it bought it for. These are a blatant violation of the FDCPA, and this company is in violation of privacy HIPPA laws in regards to breach of security with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.
I spoke XXXX XXXX at XXXX XXXX. XXXX did not provide me customer service. All I needed Lowes to do was remove authorized user from account and XXXX advise could not do that because her company was having technical issues. Her response to why she could give me customer service was invalid and I would have to call back and possibly go through same torture. I was on hold for 45 minutes and did not accomplish anything.
1. XX/XX/2017 Bank of America rejected my application for a Visa card. 
2. I was informed that this was because I had a payment modification made on a previous credit card. 
3. Responsibility for paying the credit card was assigned to another party in a judicial settlement. 
4.Since I was the primary holder of the card only I could request a modification to the payments.

5. I neither made nor approved anyone to make such a request nor was I informed by the bank that such a request had been made. 
6. The bank refused to correct the error and remove the injurious report from my file.

7. To protect my credit from future injury I subsequently had to pay off the remaining balance on the credit card. 
8. The bank has refused to accept responsibility for the error and to provide a written apology.
I live in XXXX, Florida and in early XXXX XXXX, we were hit by hurricane XXXX. The area in which I live was declared a FEMA disaster area. I was advised that I could call my mortgage company XXXX Equity Resources , Inc XXXX and that I could have 90 days worth of payments deferred. I called equity resources and they confirmed that this was the case and that I would not receive collection calls and that before my next payment was due on XXXX/XXXX/XXXX that I would get a call from someone to check in and see if I needed an extension. 

I then received a letter in the mail stating I was in a forbearance period and it sounded as though I was going to have to pay the last 3 months of payments when the forbearance period ended. I called equity resources and was advised I was previously given the wrong information and that my payments were not being deferred. I was advised a guy named XXXX was handling my case and would need to call me back because he was not in the office. He advised me that I was in forbearance and my payments had not been deferred and that I could complete the paperwork I had received via email to see if I qualified for deferment or I could wait to be contacted before the 90 day period was up to further discuss. 

At XXXX roughly on XXXX XXXX, XXXX, I received a collection call, the collector never read the mini-Miranda and was wanting to know what I could pay. I advised her that I had been advised my loan would be deferred and that I would make my XXXX/XXXX/XXXX payment as planned. The call was made to my cell phone via an auto dialer. 

On XXXX XXXX, XXXX, I received a call where the person was checking into see if my forbearance period needed to be extended, I also told her I was under the impression my payments were deferred and that I would be making a payment on XXXX/XXXX/XXXX. She said she would submit the request for deferral and that I would hear back from someone in mid XXXX. Later that day I received another collection call from an auto dialer to my cell phone. I advised them of the conversation earlier in the day and they apologized and we ended the call. 

I also received auto-dialer collection calls on XXXX and XXXX where I once again advised the people of the situation and asked them to stop calling. On XXXX, I spoke with XXXX XXXX XXXX supervisor ) who said my account was never put in the right status and that I would no longer receive calls. She said on the call that the notes indicated that I had told each collector this each time they called. 

On XXXX/XXXX/XXXX, I received another auto dialer call to my cell phone from the same number ( XXXX ). This time, like every other time, when I answered the phone rang back to someone, this time, no one responded and after a few seconds the call was disconnected without the caller saying anything.
I pulled my Equifax credit report for my XXXX XXXX course at my college. Upon looking at the report, I noticed an inquiry that did not belong to me ( XXXX ). It stated this inquiry took place on XX/XX/2016. I have never had a business relationship with XXXX and have never contacted them. I contacted Equifax over online chat to attempt to dispute it after finding their online dispute form did not allow me to dispute this fraudulent entry. After speaking with an Equifax representative, she rudely informed me inquiries are " matter of fact '' and to contact XXXX. I contacted XXXX and after searching numerous ways, they found that they had never pulled a report on me and I was not even in their system. I contacted Equifax again and spoke with another representative who also told me he could not help me. I just want the fraudulent entry off my credit report and no one will even investigate, despite the fact they claim they will within 30 days.
When I requested for a credit report and score to know where I stand but nothing is showing up like I am deceased. I attempted to get the XXXX report but is showing no score at all, even the FIDC score as well. I recently requested for XXXX reports from Transunion and XXXX but it said they could not pull up a credit report. I find that very odd and that explains why my requests for loans were denied repeatedly.
I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here is what I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : it is NOT the docket # that I am looking at on the petition # 3 the court that you have listed is wrong : " XXXX XXXX '' is NOT the name of the court and you must have the city and state listed
When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my XXXX XXXX   - XXXX account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with TransUnion about my XXXXXXXX XXXX credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

TransUnion was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.
I was declined credit due to a an unpaid balance, as I was not aware of any unpaid balances I ran my annual credit report. I found this on my report : I C SYSTEM INC Potentially Negative potentially negative icon show account button Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$8600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$8600.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX This is for someone else entirely, I've never used XXXX, I've actually had a company paid phone since XXXX, and it's with XXXX XXXX. In addition, I've used XXXX XXXX ( now XXXX ) for internet since I've had internet.

I have over 7 lines of credit going back 7 years and not one late  payment, and I typically pay my full balance unless it's during a promotional zero interest period. 

Please let me know what to do as this is VERY unsettling. Thank you SO much! 

XXXX XXXX XXXX XXXX
On XXXX/XXXX/15, I initiated a cash advance on my account with PayPal credit in the amount of {$560.00}. The same day, XXXX/XXXX/15, the transaction was canceled and the cash advance was not completed. In reviewing my PayPal statements, I have been charged a cash advance interest charge since XXXX for a transaction that was never completed. I have tried to resolve this using PayPal online procedures with no resolution.
CREDCO MADE A LOT OF INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT
In XXXX XXXX I became unemployed and asked XXXX XXXX XXXX to recalculate my payment, they did it and made the payment much higher even though our income was a lot lower due to me being unemployed. Also back around 8/2017 they approved me for a unemployment deferment, then they took it off for no reason and without my permission put me back on repayment status at a high rate, so I called into customer service and they asked me to send in another unemployment deferment and I did then they approved it which I have copies for starting XX/XX/XXXX. Why would I want it to start in XX/XX/XXXX I am unemployed now. Then XXXX XXXX without my permission put me on a forbearance for a month which is higher interest than the unemployment deferment. Also during this time with all this going on they kept changing and increasing my payment amount. Also I was on the public loan forgiveness and they have n't added any payments that I did make toward the 120 payments. They keep messing with my loan and not responding to my emails. And when I call the customer rep they tell me different stories. Like one customer rep said for me to apply for one of the income contingent payment and I would have a XXXX payment, that was not so they as I mentioned early increased my payment by double or more. I was giving a lot of misguided and false information. Also in XX/XX/XXXX they took off my parent plus loan and said it was transferred so that one loan showed transferred, but now we are in XX/XX/XXXX and they have it back on there. Why would they put that is was transferred even though it was n't. I have kept my paperwork and taken screenshots of my account where they keep changing things. I have three loans with them and the parent plus loan is one of them. Please do something about this. It is very stressful to deal with.
I am in receipt of two letters from Portfolio Recovery Associates, LLC dated XXXX XXXX,2017. This letter claims that I owe Portfolio Recovery Associates, LLC. On both letters Portfolio Recovery Associates, LLC are representing themselves as the current creditor of these accounts from XXXX XXXX  and XXXX XXXX in the amounts of XXXX and XXXX. I am filing a complaint because Portfolio Recovery Associates, LLC are representing themselves as a creditor but Portfolio Recovery Associates, LLC has never extended any type of credit to me. I am asking that Portfolio Recovery Associates, LLC verify that they are in fact a creditor and that they have extended credit to me or delete these listings from credit report. They also have included two different amounts for the XXXX account in the amounts of XXXX and XXXX. Im asking that the verify these amounts as well. Regards, XXXX XXXX
This account was sent to collections and judged upon where it was paid in full. There is a balance of {$21.00} showing. It should be {$0.00}.
I saw that the CFPB now has a class action lawsuit with Navient which used to be XXXX XXXX. I am co-signed on my wifes loans that started off as XXXX XXXX, both private and federal. The loans, switch to Navient, and during a time of financial hardship, I called in to see what my options where. At that time I was pushed to basically defer my wife 's loans over a period of time, and told I was still encure interest but no payment would take place. I see this is exactly what the lawsuit it for and wanted to make note that it has happened to me and my wife.
I filed a compliant on the CFPB website back on XXXX/XXXX/2016 that CMRE was reporting inaccurate information and when I called to correct the information. CMRE required me to pay the debt before removing the dispute preventing my from refinancing my home loan. CRME provided the following response - The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX CRME removed the debt form my credit report in XXXX 2016 and now has listed it on my XXXX credit report without any notification for disputing the debt and violated Under the Fair Debt Collection Practices Act
I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report,
In XX/XX/XXXX NAVIENT notified me by letter that they were increasing my monthly payment of {$180.00} by {$71.00} - to be effective with my XX/XX/XXXX payment. No explanation for the change to my repayment plan was provided in the letter. I have made all the monthly payments on time since XX/XX/XXXX and have never been notified by NAVIENT that I was delinquent on any monthly payment prior to XX/XX/XXXX or that I owed any late fees. I called the company for an explanation and a written accounting of why they are attempting to collect an amount in excess of the original repayment amount listed in the promissory note, but they offered no further details about why the change was being sought. Therefore, I continue to pay the original amount ( {$180.00} ) and have not paid the increased amount. However, since then I continue to receive letters and calls from NAVIENT informing me that I am now delinquent on my loan. 

The terms of the loan are clearly listed in the original promissory note which I attached with my submission : {$15000.00} borrowed at 8.5 % interest to be repaid over 10 yrs ; 120 payments at {$180.00} with the first payment due in XX/XX/XXXX and the final payment due in XX/XX/XXXX ). The increased payment of {$260.00} demanded by NAVIENT is effectively a change in the original loan terms as documented in the promissory note and amounts to an overcharge of {$1000.00} on the loan.