WillisBack/dataset-financial-user-claim huggingface dataset:
This collections first appeared on my account in XX/XX/XXXX in the amount of {$460.00} for XXXX XXXX. I contacted the collection agency directly to obtain information regarding this account. The collections agency suggested that I speak directly to XXXX XXXX. 

XXXX XXXX provided me with forms to complete to dispute the account. I completed these forms and returned them to XXXX. After numerous letters mailed to the credit bureau, all three collections removed the collections from my report. 

A few months later I received a letter from XXXX stating that the account would be removed from collections. 

In XX/XX/XXXX the account showed up on my credit report again for XXXX XXXX in the amount of {$460.00}. Because XXXX had confirmed with me in XX/XX/XXXX via letter that this account was indeed fraud and they would report to the credit bureaus. I disputed the account with the credit bureaus. 

Again this account was removed from my credit report. 

Here we are in XX/XX/XXXX and the same fraudulent account is reported to my credit report again for XXXX XXXX in the amount of {$460.00} this time.
I have been trying to get my house refinanced for months, and I keep contacting my own mortgage company, Nationstar, to get this accomplished. I have twice now been switched to Greenlight. They run me in circles for months with lies and inaccurate information, have me submit the same information over and over, and pull my credit over and over. 
I attempted to contact Nationstar again yesterday, and was assured I was working directly with Nationstar, and not Greenlight. Greenlight Financial has horrific reviews online because they flat out lie and give out inaccurate information.
XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
On the XXXX XXXX website, after I logged in as a Premier Platinum member, I got an offer on the screen asking me to apply for the Chase XXXX Explorers card, and offering me XXXX bonus miles AND a {$50.00} statement credit after my first purchase. I took a screenshot at that moment on XXXX/XXXX/16 of the offer ( which you can see in my image was to expire the next day ). I then filled out the application. I got an email confirming my application ( dated XX/XX/XXXX too ). I was later approved and got the card. After having it for some weeks and using it, I sent email to Chase asking when I would get the {$50.00} credit. They replied that they would not give me the credit because I did not apply " the right way '' on the XXXX site. I applied the only way offered, by clicking on the big button that is clearly visible in one of my screenshots. No error message followed, I got to the application and answered all their questions. I tried multiple times to get Chase to resolve this, and they refuse. They DO admit that I am owed the XXXX miles, which is stated on the screenshot offer too, and which was only offered to me once I logged into the XXXX site as Platinum member ( the standard offer on the general XXXX site was XXXX miles ). So they must admit that I applied through this offer, but refuse to give me the other marketed offer, the {$50.00}. They are simply refusing to honor their offer, fulfilled on my end exactly as directed on the website.
ECMC has been taking my tax returns to pay off private student loans for 4 + years. When asked for a statement showing all my tax returns being applied to open loans they can not provide me with any prof!!!! It has been at least 4 years at at least {$2000.00} per year, they have also been taking my state returns at about {$100.00} per year. That 's well over : {$8500.00} estimate. Yet they still claim I owe them the whole balance of {$13000.00}. MY loans should be at {$4500.00} NOT {$13000.00} I have read online that I am not the only person that this is happening to. It is scary and I honestly feel like these loans should be forgiven. The schools I attended have both lost their accreditation. Both have also been involved in class action lawsuits.. I am at a loss about what to do.
My mortgage was recently sold to PennyMac. PennyMac 's website does not interface well ( if at all ) with the Safari web browser resident on my iMac. There are XXXX Mac users and I am not the only customer with this problem. PennyMac acknowledges the issue, but it prevents me from making extra payments or finding out important info regarding amortization, etc. PennyMac has known about the problem since XXXX 2015 and " hopes to do something about it over the next year. '' If a company can not service the loan of a perfectly happy customer with their original lender, then what recourse does the customer have?
XXXX XXXX XXXX , XXXX. amount is {$11000.00}. I have disputed this with XXXX XXXX XXXX , XXXX. several times and also sent XXXX XXXX XXXX , XXXX. a debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX , XXXX. has not responding and also have reported me to all three credit reporting agency 's.
At the beginning of XX/XX/2018 Chase closed all of my credit card accounts without prior notice or permission and refused to refund two {$95.00} annual credit card fees that had been charged less than two months prior. Despite meeting all of the spending conditions to earn a welcome bonus of XXXX XXXX on my now-closed British Airways Visa card, Chase refused to release the points to my British Airways account. XXXX points earned on the now-closed Iberia Visa card were also forfeited. I suspect that Chase closed the accounts to avoid paying out the XXXX points, while keeping the combined {$190.00} in annual fees. If a credit card issuer can close a customer 's account for any reason, refuse to refund the annual fee, and forfeit the earned points, how can any consumer be confident that they can actually use the credit product they've paid for? I have been a loyal Chase customer for over four years and have made 100 % of my credit card payments on time and in full. I was very disappointed by the unwillingness of the customer service representative and her manager to come to a fair resolution for this issue.
Equifax mishandled my personal information, including SSN, in the recent data breach, which puts me and others at risk. I 'm listed as one of the potential victims according to the equifaxsecurity2017.com website, and I 'd like a resolution.
While recently getting my credit report to quality to buy a house, I noticed that there was a derogatory item from XXXX XXXX ( XXXX XXXX XXXX ) indicating the account had gone to collection and {$1200.00} was due. When I disputed the information online on XX/XX/XXXX, Equifax said it began an investigation. Equifax responded onXX/XX/XXXX they the debt had been certified by the debt collector and my credit report will remain unchanged. I have never had an account with XXXX XXXX ( I have always had XXXX  ). When I called XXXX XXXX to look into the account they had an address for me on a street where I never lived. This is not my debt and it is extremely unfair that Equifax only did a cursory investigation before ruling against me.
I paid Global Client Solutions to help me with my debt, they took my money and did n't contact my creditors, I still have the receipt from the XXXX XXXX XXXX from XXXX XXXX, 2008. I am out of pocket {$720.00}. How do I get my money back with interest? 
XXXX XXXX lived in XXXX XXXX at the time of this XXXX XXXX XXXX XXXX XXXX, FL XXXX
Equifax did not put the proper protocols in place and its database filled with sensitive information including consumers credit info was compromised by hackers.
THE FACTS : 1. I defaulted on my GMAC mortgage payments XX/XX/XXXX due to job loss. 
2. Now bankrupt GMAC ( superseded by OCWEN Loan Servicing LLC later on ) issued a repayment plan. 
3. I complied with repayment plan - paid all requested amounts to GMAC through XXXX XXXX for 8 month. 
4. On XXXX XXXX, XXXX, GMAC approved my Mortgage Modification Request and set the monthly payment amount based on new loan amount that contained all the default amounts from previous months. 
5. I have been making payments every single month starting XXXX XXXX without missing a single payment and without being late till Present, all according to GMAC/OCWEN requirements. 

Now, comes XXXX XXXX, and more than 5 years after my Mortgage Modification with GMAC I am suddenly informed by OCWEN that I am past due 7 month?! 

Even assuming that GMAC/OCWEN were not calculating monthly payment correctly or having any other reconciliation errors - it is still not acceptable consumer lending practice to suddenly inform the customer about 7 months default and engage in behavior that OCWEN is engaging ( when all I did is complied with their requirements at all times for 6+ years ), namely : Start charging me late and other fees, as shown on your recent statement. 
Refusing to accept my regular payments that I have been paying for years. 

OCWEN 's Customer Service is in XXXX and I can not get any meaningful answers from there. Meanwhile OCWEN is pushing to foreclosure. So I had no other choice but to apply for additional Mortgage Modification with OCWEN ... and now am waiting for them to approve it. 

It has been a month of them supposedly " researching '' but meanwhile they are charging me late and " other '' fees and pushing for foreclosure. So far I did not get a meaningful documentation and accounting on the loan according to Section 2954 of the California Civil Code ...
Our mortgage was supposedly sold from an existing XXXX trust to another trust. 
XXXX XXXX XXXX. i was not notified of this transfer for over 90 days. At that time I requested proof of sale and a certified copy of my note as well as any assignments and or allonges.I have made this request over 5 times and I have never received any notoriety or certified copies of my notes sale.I did find an assignment datedXX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX, however XXXX was a defunct corporation at that time and I feel this is an illegal assignment clouding my mortgage. Specialized Loan Servicing has refused to provide my proof of sale of my mortgage or any substantiation of their right to service and become a debt collector of my note. I believe they as a Collection Company are acting without legal rights or possession of my loan note as the Debt collector. 
I have sent Certified mail requests for my note and all endorsements and continue to not be supplied such.They continue to damage my credit without rights to do so.
There is an item on my personal credit report from a Debt Collector who purchased the debt from XXXX XXXX, which was a debt for a company of which I was a the majority shareholder. I did not personally apply for the card it was a corporate debt. The statements where sent to the company address and for more than 8 years the company made all payments on the account using a corporate bank account. The company XXXX XXXX, In filed Chapter XXXX in the Virginia XXXX XXXX Court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed XXXX/XXXX/XXXX Case Closed by court XXXX/XXXX/XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} The Debt was discharged in bankruptcy court. 
I have filed XXXX disputes which Experian. I have asked the company to send me documentation which proves I am responsible. XXXX XXXX. told me the information had previously been mailed two years ago from XXXX XXXX. I asked XXXX XXXX XXXX. via telephone more than 1 year ago for the documents and they never sent them. I asked again today for the documents and they told me as long as I was disputing the claim they would not speak with me. She told me unless I would remove my dispute they would not discuss the matter. I sent the following email XXXX XXXX and the company failed to respond. 

XXXXXXXXXXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX XXXXXXXXXXXX Message body You are Reporting a Debt on my Credit Report which was associated which a XXXX XXXX which I was a XXXX Declared Bankruptcy. I have repeatedly told you via telephone that this debt is not mine personally. I filed a dispute with Experian more than 30 days ago and you have failed to respond.You have as required by law failed to Validate the Debt and as required by law must remove the debt from my credit reports immediately. 

I made you aware this debt was reported in error more than 1 year ago. I will file a formal complaint with the office of the Virginia XXXX if the debt is not removed in 5 business days. 

Please see the attached Filing Information Below to confirm the Company Filed XXXX XXXX. 


XXXX XXXX XXXX XXXX Virginia XXXX XXXX XXXX XXXX/XXXX/XXXX PORTFOLIO RECOVERY XXXX XXXX Original Creditor XXXX XXXX bank XXXX XXXX. 
Open Date XXXX XXXX, XXXX Balance {$21000.00} Collection Debt {$21000.00} XXXX XXXX XXXX I ca n't prove I do n't owe something because they refuse to provide any documentation proving I am responsible. I paid for a subscription to Experian and have disputed this item and asked for Experian to ask XXXX XXXX for the documents and they told me they can not require a company providing them with information to provide proof.
I purchased a vehicle from XXXX  XXXX in XX/XX/XXXX and fell behind on payments. My account was then sold to XXXX XXXX XXXX in XXXX, tx. I paid off my account with them in XX/XX/XXXX and spoke to the manager there who assured me my title would be mailed in 6-8 weeks. I waited 10 weeks and did not recieve my title so I contacted them again. They told me my account was transferred to American Credit Acceptance and that company now had my title. I contacted American Credit Acceptance and they told me I owe XXXX on my vehicle still and will not release my title until it has been paid in full. They also threatened a reposession of my paid off vehicle. They said I needed to dispute the amount owed with XXXX XXXX. I have all bank account statements and payment information for the payments of my vehicle. I feel they are trying to swindle me out of more money that I do not owe. I did contact XXXX  XXXX acceptance after this conversation and the manager assured me that my account had been paid in full.
This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 XXXX XXXX XXXX
I am not able to make my payments. My interest rates keep going up, which causes my payments to keep going up, even though I have contacted AES ( American Education Services ) multiple times over the years that I can not afford the payments. I have literally been told that I have to just make the payments " or else. '' Even if I paid 100 % of my paychecks I would not be able to catch up on past due payments as there would be less than {$100.00} left at the end of the month after making the base payments. Their website, depending on if I log onto their mobile version or the desktop version, will show me two different total amounts due for the month. One will show the past due amount, which is the mobile, and one just shows the two monthly payments combined and nothing else. I have emailed them at least twice about this issue, and have not gotten a reply to the second email, but on the first time trying to report the issue they stated that I should just know how much to pay even if the website is n't showing me a correct amount. I have been told, repeatedly, I do n't qualify for any assistance in payments. They used to have a 3rd party called XXXX XXXX try to help for people who are behind, but they are no longer communicating with them so I can no longer get assistance that way. My cosigner, who is my dad, can not help me make payments. His job is at risk because I can not afford my payments. When I contacted AES on XX/XX/XXXX, the associate stated my interest rates were ridiculous, and because XXXX, the company that owns XXXX XXXX XXXX, has been found guilty of fraud in a Federal court, she told me to try to go through the fraud process with my loans as I have not been able to use my degree for anything other than clutter. Realistically, I do n't think my loans will be forgiven, even though the company was found guilty of fraud, especially since AES, going by XXXX rules, is n't able to help me even have lower payments to where I can afford to pay for an apartment/gas/food.
the loan is with Best Egg, who transferred the money into my bank account [ good ] but has not ever given me a statement, correspondence, or any way to contact them or keep track of loan. I would 've liked to make additional payments but the info they show when withdrawing payments from my bank account does not provide any information I can use to do so. also, they advertised low rates but that does not turn out to be the case.
This debt collection company is trying to collect a debt I have no knowledge of, They have not given me any prof I owe this debt.
Account status is a critical information upon which lender may rely to assess credit worthiness. Equifax should make sure that account status information, including any additional extraneous information they add to the credit report, is accurate. This is not the case. Instead of simply correcting the status of the loan as requested, Equifax added inaccurate information. 

On XXXX/XXXX/16, Equifax reported XXXX XXXX / Account No. XXXX status as 'Pay as agreed. ' On XXXX/XXXX/16 and XXXX/XXXX/16, the consumer and the lending company ( XXXX XXXX ) reported to Equifax that XXXX XXXX had been sold to XXXX XXXX XXXX As of XXXX 2016, Consumer had no open student loan with XXXX XXXX XXXX ( see fax from XXXX dated XXXX/XXXX/2016 ). On XXXX XXXX, 2016, Equifax changed the status of Account No. XXXX XXXX XXXX XXXX XXXX to 'transfer/sold. ' This is correct but Equifax also added : 'ADDITIONAL INFORMATION - consumer disputes this account information ... '' This extraneous statement is inaccurate. We disputed the previous account information ( i.e. Equifax 's failure to report the loan as closed and transferred ), not the current status ( closed ). We did not dispute the current status of the loan. Equifax must correct the credit report, i.e. remove reference to a dispute.
After graduating college I tried to get some information about my student loans from Navient on how to consolidate my loans so i could lower my interest rate. I was n't provided with any information. Navient seems like bullies when they are always " pay me, pay me '' and do n't care about the customer. I am {$100000.00} in debt with them because they failed to help me. Sometimes i feel like i have to chose between eating everyday or paying them. They say my monthly payments are around {$650.00} a month. They do n't provide enough information to the borrower and did n't let me know the interest rate and I am just finding out that all my loans are private which I thought they were federal loans. This is becoming a XXXX for me and I am out of options. I am asking you to please look into my account. I will provide screenshots of how much I owe and the interest rate on the loans. 

Thanks
I tried to get from free Experian credit report through XXXX. The last time I got a free Experian credit report was XX/XX/XXXX, so it has been just over a year. I tried this on XX/XX/XXXX around XXXX Arizona time ( Mountain Time ). I received an error message that said " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I really want to get my credit report online, not through the mail and not on paper. I called Experian. They told me to get my free credit report, go to freeCreditReport.com, which as you know requires me to sign up for credit monitoring ( at a monthly cost of {$19.00} ) after which I do receive my " free '' credit report. I did this, paid {$4.00}, got my report, then canceled the credit monitoring. If Experian does n't give free reports online, they should explicitly state that and let me know for the free report, just mail in the forms.
I am getting automated calls from Portfolio Recovery XXXX and XXXX. XXXX says press XXXX to except call or XXXX to leave a message. I have no idea why I 'm getting these calls.
My account is in Forbearance states from XX/XX/XXXX-XX/XX/XXXX but XXXX XXXX XXXX posted a 90 days late in XX/XX/XXXX and a 120 late in XX/XX/XXXX. I contacted XXXX XXXX XXXX and they were unwilling to correct the reporting and told me to send in a dispute to the credit bureaus. I sent in the dispute with documentation from XXXX XXXX XXXX that proves my account is in Forbearance during those dates. XXXX was able to remove the 90 day late and the 120 day late due to the supplied documentation but XXXX  was only able to correct it to show that it is " paid as agreed '' in the comments but the 90 day late and the 120 day late remains. i was told by XXXX that XXXX XXXX XXXX was n't willing to remove that. This does n't make sense. If there is n't anything due and it is current how can it still show 90 and 120 days late? XXXX was able to clearly see that it should n't be reporting that way but XXXX wo n't make the change.
Next month or so I receive a letter from a collection agency saying I owed XXXX to XXXX XXXX XXXX, so I called Agency said I do n't owe I called XXXX & T I was told I 0wed nothing they got in touch with agency and when I called agency back they told me it had all been straightened out and apologized. Then a few days ago I get a letter from The Collection Firm of Franklin Collection Services , Inc Saying I owe XXXX XXXX XXXX XXXX case # XXXX XXXX called XXXX XXXX XXXX I owe nothing today spoke with billing specialist .He told me I had to speak to a collections specialist I got cut-off so I called agency talked this time to a supervisor he said his name was XXXX he said I had to dispute this on there website and also with XXXX XXXX XXXX XXXX Finally I called XXXX XXXX XXXX spoke to a collection specialist she suggested I call credit bureau and have this matter investigated and filed a report. 
Could you help me please, I never had phones I do n't even know phone number Thank you
Convergent Outsourcing has called me twice now identifying themselves as a debt collector, but I am not overdue or late in making any payments. 
They do not identify the debtor. 
Recorded message tells me to call XXXX and completes. 
I feel that this is a scam for me to reveal important information on myself