WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX {$680.00} Neither the collection agency or the bureau XXXX has validated the debt. <P/>Under Equifax it says the account name is unknown the only thing that was close to matching the debt under XXXX is the dollar amount and the incomplete account number and under XXXX the account name is XXXX XXXX XXXX  limited again the only thing close to matching the debt under XXXX is the dollar amount and the incomplete account number
I do not have that much information because it is at the beginning stage. I received a call from XXXX XXXX XXXX. Stating that i had an unpaid credit card from XXXX XXXX XXXX, and now it is in the collections stage. They said it was opened in 2015 on XXXX XXXX. This was the only information i received from them. After stating i was not going to confirm or deny any of my personal information over the phone they stated they would remove my number from the account. After I got off the phone i contacted the bank directly. I had them look up any information associate with my name and they could not find any such information. This company had my social information, but incorrect birth date and incorrect address. I looked at my credit report and no such charge was stated or occurred.
We applied for a loan on XXXX XXXX 2015. They told us that we would be closing on XX/XX/XXXX. We sent all the requested info to XXXX XXXX at Carrington Mortgage on XX/XX/XXXX. He sent us an email on XX/XX/XXXX stating that it was not in underwriting like he said because he did not have info that we already sent. We resent this info and he emailed us again on XX/XX/XXXX stating more info was needed that was never told to us. We reached out to him daily and he told us they had all info as was in processing. As of XXXX XXXX he let us know they did not do paperwork correctly so they had to cancel original loan and restart the process. We resent everything on XX/XX/XXXX. He reached out to us on XX/XX/XXXX stating there was even more missing info. On XX/XX/XXXX he emailed us yet again with more missing info. We have asked him repeatedly if this is all and he states yes and it is being sent to underwriting. We received even more correspondence on XX/XX/XXXX and XX/XX/XXXX. At this time he stated we can close on Thursday XX/XX/XXXX but he had to have 3 days prior to sign the papers due to the right to cancel. It is XX/XX/XXXX and we were told they deleted our file when they were sending it to underwriting and we have to restart the process. Every time they restart the process our closing cost keeps going up but they do not state why the closing cost is going up. At this time we have not heRd when we are closing and they are not returning our call
XX/XX/2018 I went to check my credit and to my surprise a medical bill that I knew nothing about was listed. It was from XXXX XXXX XXXX XXXX for {$890.00} and the creditor was Ability Recovery Services. Well from my understanding I signed a HIPAA form when I go to the doctor or a hospital, which states that I only allow them to discuss my medical information with whomever I put on the form. That medical debt collection agency does not have permission to access my medical information. Im asserting violation of HIPAA based on improper disclosure of the medical procedure, and to get a resolution pertaining to the disclosure of the medical procedure. violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency and bureau.
In XXXX, XXXX, my husband and I declared Chapter XXXX bankruptcy in order to save our house ( Case Chapter XXXX BK Case # XXXX ) XXXX XXXX   immediately closed my XXXX XXXX XXXX account, despite years of good credit history, which I was informed that they would do. 

On XX/XX/XXXX, XXXX XXXX filed a Proof of Claim with the Bankruptcy court in the amount of $ XXXXthe entire balance I owed. This claim was paid by the bankruptcy trustee. 

XXXX XXXX continues to report an {$850.00} charge off on my credit report, and has done so from XX/XX/XXXX through XX/XX/XXXX. This is in violation of the Automatic Stay Sections 362 ( a ) ( 1-4 ) of the Bankruptcy Code. 

I would like the credit reporting corrected.
My childrens father lost their job over the summer and I told the agent this information when going to do the loan. I told him that I just need enough to pay my electric bill and feed my kids. They insisted I take the whole loan of XXXX even I expressed concerns of being able to pay it in a timely fashion. So when it first went to collections I was suppose to set up a payment plan of XXXX every two weeks to get it paid. I never received a conformation email so they never took their money and when I contact the actual establishment they sent me on a run around. So I waited for the phone call that it was in collections. XXXX XXXX called. His number ( XXXX ) XXXX Ext XXXX. He was very abrasive and rude. I was trying to understand why it was XXXX and why they would need to garnish my check if Im willing to pay. He told me I was irresponsible and this was also a bill that needed to be paid and I was telling him that the only reason it wasnt was due to my boyfriend loosing his job. He interrupted that conversation and basically forced me into a payment plan that is unreasonable for a mom to pay on top of bills. I want to settle the debt but they are no giving me a fair chance to do so.
I had a loan with Monterey Financial Services, LLC. The loan was paid in full with no late payments approximately 4 months ago. Monterey Financial Services, LLC has failed to report the loan to all XXXX mayor credit bureau and failed to report the account is closed and paid in full.
XXXX XXXX reported 9 delinquent accounts on my credit that lowered my score drastically. These loans are supposed to be under my Dad 's name as he is the one paying the loans. His phone number and home address are listed on the account. The first time I tried to resolve with the company I was rudely hung up on my one of their representatives.
During the process of selling my current home and buying another I found out that I could n't sale, according to the Loan Officer it appear I had a dispute in my credit history apparently due to a foreclosure like issue, that prompt me to look into it. 
It begin XXXX when I tried to refinance through Home Affordable Refinance, at the start of it I was told that I qualified even though I had no late payments but later I was told that I did not qualify, but yet CitiMortgage offered to refinance for a lower interest rate, the process was very confusing but they reassured me that it would not impact me negatively in any way, during the process I was asked to under go a trial of XXXX months making payments equal to {$650.00} and again we asked if this would damaged my credit but they reassured me again that there would not be any problems while the new loan became active and then resume payments at the new interest rate ( by the way the new interest rate actually went up less than a XXXX of point from 4.625 % to 5.000 % and the new mortgage only reflected a {$69.00} monthly savings and they took it from a XXXX fixed ). Not even close to what they have promised to lower the interest rate keep the 30yr fixed and save {$280.00} monthly, but even more confusing was to find out through the Loan Officer that the execution of the refinancing provided by CitiMortgage did not take place the same year they approved it XX/XX/XXXX but rather they executed the loan XXXX years later meaning XX/XX/XXXX at this point I 'm still confuse on what took place and I do n't know if any of my payments were credited to the loan and how did I come to have a dispute based on late payments that never existed. 
Now they have not only ruin my credit history making it difficult to sale and buy a new home, but also took advantage of me by extending the loan and not delivering what they promised. Lately I 've received XXXX letters via XXXX Urgent where CitiMortgage wants me to refinance again and to take advantage of the new low interest rate, I have lost all trust on that organization and I often wander if what they are trying to do is cover up the atrocity they committed to us.
Barclay Card Servicing is the worse card servicer. I had to file a dispute XXXX for unauthorized fraud transactions. The first time it was n't inputted in the system correctly according to the representative, the second time it was acknowledged and I received a dispute number. However, no provisional credit was given and the account was marked past due because nothing happened for a month. I called today XXXX and inquired again and it was stated by the rep. that he will put in the provisional credit today. That 's a month since my dispute was accepted so it appears they do n't care about timing and really addressing customer issues and concerns. They want to hurry up and get you off the phone right away without listening to what exactly you need. Please look into Barclay Cards as they are definitely the worse when it comes to handling fraud transactions or looking into unauthorized transactions.
On XX/XX/2018 I mailed a letter to Transunion dated for XX/XX/18 requesting validation of the accounts reported on my credit bureau. I had the letter notarized and certified. This certified dispute letter was received in their office on XX/XX/2018. As of XX/XX/18, which is the given 30 days time frame for the credit bureau to verify and validate my disputes, I still have not received a response. On XX/XX/18, I sent a letter to Transunion again certified requesting that the items on my report be deleted immediately due to their failure to response. I also sent them a copy of the letter I sent on XX/XX/18 with a copy of the certified receipt stating that they received my request. Now as of XX/XX/18, I have not received a response from Transunion nor have not received an updated report of the items deleted.
I was in the hospital I had Fraud on my account I had both cards in my possession and I noticed there was 3 charges and 1 payment that I did not do I called capital one they said no problem we will reverse the charges and make a note of they payment wasnt you and it will not effect my account because I already paid over my min payment early and then I noticed my card account was closed before I can activate my new card and the rep said it was for my own protection and guess what I cant open a new card anywhere because of the XXXX that is not my fault
Bank of Arizona N.A. made an unauthorized debit to my business savings account. The below message was on the account. I called and told them that there was no authorization for the debit and asked that they stop the transaction because it was still pending and it may be fraud. They refused to stop the transaction and the line went dead while I was on hold. 

Pending DEBIT ADJUSTMENT XXXX {$100000.00}
We were attempting to do a short sale. Nationstar mortgage changed the locks on the home and forced the utilities in their name. They supposedly winterized the home but the pipes froze and the home was flooded and had to be completely gutted. They have since been sued by XXXX XXXX for their negligence. Theyb forced utitlitiesn in their name but they never put on the required forced insurance. We had received an offer that if not accepted we could have put in the remaining funds to cover it. Nationstar and XXXX kept telling us it was tghen other parties problem. This now reports as a foreclosure. Our ability to sell the home was taken away.
I am currently in default with Synchrony Bank. I am well aware of the fact that collection calls are to be expected. Unfortunately, I recently started receiving calls & voicemails on my work phone. On one particular occasion the receptionist was told that they were calling in regard to a 'personal matter '. I worry that these types of calls will be noticed by my employers and could potentially result in problems at work.
I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact Equifax, XXXX, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they  all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and XXXX have responded by removing all but 2 of the inaccurate collection reportings and Equifax still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be permentantly deleted from my credit report immediately.
The collector from XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX keeps calling me using abusive language to collect this debt. I have mailed a cease and decist letter to them. They also keep calling me three to five times a day from different phone numbers to make it look like it is not the same company. I have asked them to stop calling me.
I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit bureaus.
On XXXX XXXX 2017 received my request to validate debt with creditors, transunion nor XXXX provided me with supporting evidence from the companies. These items stayed on my report I also mailed a second request to them on XXXX XXXX, I had some movement with transunion and nothing with XXXX.. I submitted the same letters to XXXX they removed everything but 2 items that they had the companies to send me letters that validated my debt..I must say the crazy part is that everything that was on equitable was on transunion and XXXX. The conclusion is that didnt physically validate anything for me ( transunion nor XXXX  )
I did a dispute on XXXX XXXX and I was told that it would take 30 days. 
I did another dispute on a totally different item on XXXX/XXXX/2016. I am now being told that the XXXX XXXX dispute will not be completed until XXXX/XXXX/2016 because they received another dispute during that time. This is unacceptable. The FCRA says that the CRA have 30 days to complete an investigation. If they can not complete this by XXXX/XXXX/2016, they should delete it. Enclose is the statement where they said it would be completed on XXXX/XXXX/2016.
Sessoms & Rogers, P.A., lawyers are trying to file a judgment on a debt that is not collectable. I have included the XXXX screen shot showing the judgment was satisfied. I have included the letter sent XX/XX/2017 from Sessoms & Rogers , P.A . lawyers showing the matching case number of the judgment referenced in XXXX  screen shot and the notice of exemptions/motion to claim exempt properties.
I have submitted my request to equifax in regards to the abuse of my credit profile with the collection agencies on my report and they along with the collection agencies do not want to comply with federal laws regarding debt collection practices in regards to billing, collections, medical debt they investigate it and no matter when the law is right they refuse to correct the errors on my report be purging the information from my credit record XXXX. I have asked them to supply me with the information of the individuals they have contacted regarding the alleged debt and they have refused profusely. Each time they expect their clients to tell the truth and when they lie they take their word as truth instead of asking for the original paperwork, billing or alleged contracts that they said that they have in their posession before the alleged debt was sent to them. I want with information from them and its refused each time now i am forced to go to get an attorney to sue the collection agencies and well as them for reporting such debts that i dont owe due to the bills being paid off.
on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from XXXX XXXX XXXX saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( ACE CASH EXPRESS ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted ACE CASH EXPRESS which informed me my debt was half what XXXX XXXX XXXX stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while XXXX XXXX XXXX is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.
Received a letter dated XXXX XXXX, 2015 stating my CHASE Credit Card ending in XXXX was going to expire within the next two months. Since the card had not been used within the past XXXX years, they were closing the account when it expires. 

It went on to say if I would like to keep this account open, please call toll free and they would review. 

I called and after giving them my income and information they were willing to keep the card open at {$1000.00} limit whereas before it was {$6500.00}. They also went on and reduced my other XXXX cards from Chase as well taking the limit from {$5000.00} to {$1000.00}. 

What these actions have done is drastically reduce my credit score from good to below average of which I told them so, but they did n't care stating that was my problem. 

With banks doing this to customers no wonder people have bad credit scores and banks can charge more for loans when you need XXXX. This action also prevents people from acquiring a mortgage or car loan and needs to stop.
In talking to a customer service rep, I was assured that credit score would not be a factor, mine is XXXX, not bad. Now my denial was based on 1. XXXX risk view score 2. XXXX XXXX  score 3. XXXX Auto Origination Score, so much for score not being a factor. Misleading advertisement, and I would expect discrimination in lending.
Convergent Outsourcing did not have a permissible purpose when it made an inquiry of my XXXX credit report on the following dates : XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Please have Convergent Outsourcing explain why it accessed my sensitive financial information and to provide any documents to support their reason.
My son has both private and Federal Student loans. He did get behind and I ( XXXX XXXX Father ) have been catching him up. Actually I have always made the payments. He was going to take them over and lost his job, so I took them over and will be caught up next month or by first of XXXX 2016. The private loan was cosigned by his Grandmother. She recently passed away. The Grandfather got XXXX and died in XXXX home on Medicaid several months earlier. The feds of course took his pension and Medicare to cover medical bills. They left her with just enough just to live on. Navient is handling the student loans. The private loan is current. Navient has sent a letter to the cosigners son demanding a cosigner or they would request the loan be paid off immediately as if there was a huge estate left. The loan is current and not in default. This is harassing the family and Navient who I just spoke to said they wanted someone else on the loan to ensure loan is paid. The way the payments are distributed the private must get their portion first. Regardless the private loan is current and they are harassing the family and need to be stopped for everyones sake that has a private loan being handled by Navient. Navient stated they sending loan to a " XXXX XXXX XXXX " who ever they are for collection. The loan is current as the documents show! Stop them from harassing the family.