WillisBack/dataset-financial-user-claim huggingface dataset:
I settled a debt with Citicard previously with a 3rd party debt collector on behalf of Citicard and then instead of closing the debt they sent the remaining balance from the original amount to another debt collector who reported to the credit bureaus that the debt was a new debt. It is my understanding Citicard was under litigation for such practices and I was to report it immediately. I have a settlement letter from the first debt collection agency stating that I settled the amount. My credit was affected by this and I am extremely unhappy and would like Citicard to erase this issue from my credit report completely.
Freedom mortgage is reflecting late payments XX/XX/XXXX and XX/XX/XXXX which is inaccurate. Our payments are automatic from the bank and are not late. In fact we found they had our full payment and didn't apply it to the mortgage. they even waived any late fee when they found the error. They should NOT reflect a late payment history on the mortgage. Unacceptable. # XXXX
I have asked Financial Control Service to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
After numerous repossession of my vehicle I have paid every fee that was owed my vehicle was repossed 3 or 4 times and paid every fee that was owed then the last one that was paid had paid off the vehicle however Santander put in the credit breau that the car was repossed but I still got the car I had them send me the whole report if my payments and was paid off but never received the title or pink slip and I would like that sent to me
I received a " second notice '' letter dated XX/XX/XXXX from Phoenix Financial Services LLC Registered as XXXX  XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but Phoenix can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. Phoenix reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc. 
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.
Enhanced Recovery Company, LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
BAY AREA CREDIT SERVICES VIOLATED MY FCRA RIGHTS. They INACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015 on an old COLLECTION account. Bay Area Credit Services reported to XXXX XXXX as a New Account. This is highly illegal for any company to report as a New Account. This account was generated originally over 5 years ago and was part of a Chapter XXXX Bankruptcy. Not only did they violate FCRA rights they also NEVER advised me of any reporting. Clear VIOLATION OF MY FCRA RIGHTS.
XXXX XXXX XXXX XXXX : This vehicle was destroyed in a weather related accident on XX/XX/XXXX. 
I have spoken to XXXX XXXX XXXX XXXX numerous times that they continually report to the bureaus account is still be paid and in good standing. 
I have told XXXX and XXXX that I have not had vehicle since the date listed and they have since removed it. Equifax refuses and XXXX XXXX states that because I continually speak about it, that each interaction extends the trade that much longer. 
Further, Equifax is also stating that I have negative payments, yet I am paying as agreed with a XXXX balance. In XX/XX/XXXX, I received a letter clearly indicating my account was paid in full, yet they still report. My account was reported as inaccurate and would be corrected. My wife was a co-signer and all of her information has been purged, yet mine has not. 
Would like this removed once and for all.
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Dominion Law Associates. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.
XXXX XXXX XXXX repeatedly calls me for a debt that has not been verified, and is nearing the statue of limitations. They also call repeatedly and excessively, after I have reported them and asked them to no longer call. My debt has been one that they should n't be collecting on at this time as it was included in the lawsuit that required them to stop collecting on illegitimate debts a few years back.
American Express promotes to new credit card holder to sign up for its Platinum personal credit card with an annual fee, and the new cardholder will receive XXXX welcome bonus points XXXX to XXXX weeks after meeting the spending requirement of {$5000.00} and satisfying its terms within 90 days of opening the account. I had met the requirement and company has not given me the bonus points after XXXX weeks and telling me to wait for another XXXX to XXXX weeks, despite me contacting them 4 times and their reps told me repeatedly the bonus will post in XXXX to XXXX weeks. 

American Express finally opened a case on XX/XX/2019 and I was told it would take XXXX weeks to work on the case, but it usually would be much quicker. After checking with them each week for the last XXXX weeks, I was told they are still working on the case. It has been around XXXX weeks and I don't know if they will honor their agreement or not.
I filled Bankruptcy on XX/XX/XXXX, because I had no other option. I was XXXXXXXX XXXX  from the XXXX XX/XX/XXXX. I am XXXX  % XXXX, and could not maintain where I was or what I had. Numerous attempts were made with lenders to help, and none wanted to assist at all. I received negative reports from the accounts. I had XXXX XXXX with my truck that I returned openly. The reason for this is also XXXX is reporting my accounts that were listed on the Bankruptcy as negative accounts when they should be closed, and its affecting my reports. My wife has sent letters to all three reporting agencies, and nothing has changed as of yet. XXXX is the worst, but the other agencies are also not accurate. According to Section 609,611, and 623 XXXX was suppose to notify people about inquires on their report that were added back after they lost them on accounts. What they did is just put them back not knowing if it was correct, and not following guidlines. 

Installment AccountXXXXXXXX XXXX StatusClosed Balance {$47000.00} Credit Limit {$0.00} Past Due {$2000.00} Date OpenedXX/XX/XXXX Monthly Payment {$870.00} Date Closed- ment History 22N/A 1Negative 1Reposession,  Pay Payment StatusRepossession
XXXX received a credit rejection letter. I never applied for credit! My identity was stolen in the past 3 weeks and two things have happened since then, this is the 2nd. The other had 2 cards issued by another group ... I never applied for and, ready, they were mailed to ME under 2 names. (? )
My wife called ERC Monday on XXXX.17 in order to get information about a a debt reporting on my credit report. She explained that the equipment was stolen and asked for contact person and phone number directly to XXXX XXXX XXXX, so that we could call them and resolve this matter. She spoke with XXXX XXXX, he refused to give her any information to contact the creditor. He just kept trying to get us to settle. What she tried to explain to him was we should n't be paying for equipment that was stolen, she did n't think it would be such an issue to get information so that we could figure out what exactly is going on with this account. Being that equipment was stolen, I do not understand how ERC is trying to collect on stolen equipment. XXXX stated that we could pay settlement or that he would open a dispute with XXXX. However, I have no paper trail or confirmation that this is actually happening which cause grave concerns for me. She asked him how long would the dispute take with XXXX, his response was I am not sure. They can take as long as they need to respond to dispute.
On XXXX XXXX, 2017 I noticed yet another item currently reporting on my Experian credit report due to fraudulent activity. What that means is that this account, along with the many others that I have previously filed disputes against via this venue ( CFPB ), Experian, XXXX and XXXX are due to someone stealing my identity in some capacity and in turn using it without my knowledge. 

The following item needs to be disputed as a fraudulent account in it 's entirety. 

( COLLECTION ACCOUNT ) 1 - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX This account is also associated with an address of the following that too needs to be removed upon results of investigation : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks, XXXX XXXX XXXX ) XXXX
On XX/XX/XXXX, after mailing several dispute letters that went unanswered, I initiated a dispute process for several charges that were made to my Navy Federal Credit Union Credit card. The charges totaled {$3300.00} and were for merchandise ( XXXX in-game credits and virtual currency ) that was never received. I received a letter from Navy Federal several days letter stating there was no billing error and I would be responsible for the charges. 

I then contacted a Navy Federal customer service rep on XX/XX/XXXX who requested I provide additional information  regarding my dispute. As requested, that same day I submitted to Navy Federal a copy email correspondence between myself and itunes and screenshots showing the merchandise was never received. 

On XX/XX/XXXX Navy Federal sent me a letter again denying my dispute in direct conflict with the FTC 's Mail, Internet, or Telephone Order Merchandise Rule. I attempted to contact the person in charge of my dispute, XXXX XXXX, as well as her supervisor and was told both are " unavailable ''. I left a voicemail for XXXX XXXX, but have not received a returned call.
I am contacting the CFPB as I am being given the run around from my mortgage servicing company, Ditech. My loan had been in review for a loan modification for several months when I was finally given a loan modification. The loan was never given a trial modification but I was given a permanent loan modification dated XX/X/17 was mailed out XX/XX/17 by Ditech. The agreement was due by X/XX/17. The permanent agreement was executed X/XX/17 and returned. <P/>The first payment was due X/X/17 which I have made all permanent payments from X/X/17 through X/X/17 in which Ditech accepted all of my payments. Last week, I was advised the modification was denied due to they are unable to create an affordable payment. <P/>I do not understand how I was approved for a permanent modification, made 6 monthly payments and now I can be denied?
I applied for a HAMP loan modification with the help of folks at the NeighborWorks HomeOwnership Center of Central MA. The papers were all submitted 14 days prior to a scheduled auction. SLS is refusing to review my application, and insists on moving forward with the application. It was my understanding that as a HAMP servicer, SLS needed the paperwork 7 days before an auction. Our situation has improved, we have solid income, my counselor tells me that the math works, I just need SLS to review my application.
I disputed a Chapter XXXX Bankruptcy, which is reporting inaccurately on my credit report. I sent a letter to Experian ( EX ) dated XXXX XXXX, 2017. I received the investigation results from Experian dated XXXX XXXX, 2017. The bankruptcy record on my report " remains, '' according to EX. The details of my results state " the company that reported the information has certified to Experian that the information is accurate ... '' In this case, the company the information should have been reported to EX is US BKPT CT IN XXXX. However, I previously sent a letter to the Indiana Bankruptcy Court, asking how they verify information with the credit bureaus. The court state they have " no control over the information added to or appearing in credit reports maintained by credit reporting services ... '' In this case, EX should have contacted the court, but there is no certainty that the court certified the public record to be accurate since they do n't report to the credit bureaus. 

Also, I have completed security freezes with XXXX ( X/XX/2017 ), XXXX  XXXX XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), XXXX ( X/X/2017 ), and XXXX ( X/X/2017 ). All documentations are attached to this complaint.
On XXXX XXXX 2015, my XXXX son opened an account at the Chase Bank XXXX. with a XXXX XXXX XXXX XXXX dollar check. he was told to come back in a few days to and the funds would be available, when he went back to the bank they told him they did not want him as a customer and they where sending back a check. before the check came he had to move due to an unsafe environment. they would reissue they check, and it would be another XXXX days and they where XXXX it never came. XXXX days later they said they needed to have papers filled out to reissue they check. in the mean time his XXXX ssi payment was put into the closed account, they said they would one time put the money in my account, they sent the moneys back to ssi any way now they have close to XXXX of his money its been a month and we cant get any real answers or his money. I have been into the bank at least XXXX times a week its a XXXX, mile round trip from my house. I call them almost daily, all I get is its corporate, and they are doing everything they can. if we had not moved him home he would be XXXX. XXXX i believe he would have XXXX. my e-mail is XXXXXXXXXXXX. my phone number is XXXX please help usThank You. XXXX XXXX
my original bank was bought out by XXXX, no problems, Then BB & T bought out XXXX, Then the problems started, my original contract on my Line of credit overdraft protection, both other banks honered my original contract, If i over drew I would pay no fees, id pay back {$50.00} plus a few dollars interest, BB & T is chargeing me {$3600.00} dollars everytime, sometimes $ XXXX.I was never told this or was given any paperwork stateing such fees would be charged or incurred. 
I am a XXXX on fixed income, They have made my credit line max out from these fees, so now they are running up take started out as {$35000.00} missing out of my account, each month, Then it went up to {$750.00} missing out of my account, it is having a snow ball effect on my income. I cant afford my Morgage threw XXXX second morgage threw BB & T, in which that Home Equity was taken out in 2006 with the Original bank XXXX, Now I cant afford Food, I am going to loose my car, My home, and not be able to put food in my stomach. 
This is illegal practices and XXXX Abuse, I am asking you for your help in rectifing this matter, I am asking you to have them put ever fee they have charged me since they took over my bank from day one to present, If not I will be taking legal action against them and you if need be, Until all those fees are put back in my bank account, You are here for the consumer from fraudulent practices, and are paid by me and many taxpayers, we the consumer and the tax payers bailed the banks out for issueing undocumented loans fraudulant activities to begin with, now this is another scam by the banking industry to become predators against those same taxpayers that bailed them out, If I have to Right my Mayor, my congressman my senators and my President Donald J. Trump, if said money is not put back in my account, Looking forward to your help and cooperation in this matter,. 

Yours truly XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Home XXXX Cell XXXX BB & T bank is located XXXX XXXX XXXX XXXX NJ XXXX
I have disputed the account : XXXX & XXXX XXXX XXXX with XXXX Equifax , and XXXX due to Fraud. I contacted XXXX XXXX XXXX & XXXX after Equifax stated the information came back verified as accurate. XXXX XXXX XXXX assured me they sent an AUD to have the information removed from all XXXX credit bureaus. I requested a copy and forwarded the letter from XXXX signed by the Credit and Collections manager, with a screenshot of the updating the removal of account and email correspondence. Equifax refuses to remove this fraudulent account from my credit bureau file. I have called over 30 times between XXXX XXXX and XXXX XXXX and my request to have the item investigated to be removed. I am transferred from XXXX agent to another, then a different supervisor who advises " we will open a dispute and provide the results in 30 days ''. This response was given in XXXX, XXXX and XXXX. It has now been 90 days and I continue to fax, email, and call Equifax weekly and CONTINUE TO RECEIVE THE SAME RESPONSE. 

This account is causing EXTREME HARM AND DAMAGE to my credit profile and preventing me from qualifying for my first home loan program. 

Equifax is reporting as : XXXX & XXXX Account Type : Open Account Number : XXXX Payment Responsibility : Individual Date Opened : XXXX Balance Date : XXXX Balance Amount : $ XXXX Monthly Payment : High/Limit : Account Status : Collection Past Due Amount : {$XXXX} Comments : LAST REPORTED DELINQUENCIES : XXXX CONS DISPUTES - REINVESTIGATION IN PROCESS PAID CHARGE OFF
We paid {$200.00} to the Discover Card Account on XX/XX/2018. Months ago, we were told by Discover customer service that in order for a payment to post immediately, we must pay through an authorized bill payment system. We did the payment through XXXX bill payment, and had decided to pay that way henceforth because Discover do not take payments from a debit card. That payment did not post until four days later. One week after making the payment, we were informed that the account was closed. We did not receive any type of notice. Two weeks later, we finally received the letter stating the account was closed due to payment issues. Its not our fault that Discover only takes checks. That is old and they need to change their payment acceptance policy to take debit card payments from the checking account. Times are changing, and they need to change with it. We did not receive anything in the terms and conditions that states they can close the account due to payment issues. We were late only once.
Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents
This company XXXX XXXX XXXX XXXX XXXX, TX-XXXX Telephone XXXX XXXX is reporting to Experian that I owe them XXXX. For a rent sofa that was picked up by the store truck. I have disputed this Item over XXXX times and the credit reporting agency is telling me they can not do nothing at all. I call this company and they told be they do n't have this acct and do not know who does ... but they are still reporting. This has cause me and my family severe damage on my credit ... PLEASE HELP.
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to I.C. System Inc. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by I.C. System Inc. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of I.C. System Inc.
I have a federal tax lien that has been withdrawn, equifax will not update my credit report to reflect the withdrawn status which would remove the negative public reporting from my credit file. The withdrawal was issued XX/XX/2016.
This letter is being sent to you in response to the above reference account that TRI-STATE ADJUSTMENTS has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against TRI-STATE ADJUSTMENTS for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character