WillisBack/dataset-financial-user-claim huggingface dataset:
A COLLECTION for {$50.00} was submitted to my XXXX Credit Report on XX/XX/2018. I do not know who this is and it is NOT my bill. 
XXXX/CAPIOPART Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/2018 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$50.00} Balance Updated XX/XX/2018 Original Balance $ 50 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
I contacted the debtor to let them know that an attorney was handling the medical bills as a result of an accident. It took months to resolve but was eventually paid in full by the insurance company. The company continues to report negative information on my credit report and I have contacted them through the XXXX main XXXX and they have refused to remove.
My credit reports state I have a Serious Delinquency on my XXXX Mortgage. XXXX is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by XXXX From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by XXXX reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called XXXX in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from XXXX in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called XXXX in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.
Repeated phones starting XXXX XXXX 2017. Since that day they have called me 43 times.
I had a loan with Western Sky / XXXX / Delbert Financial Services. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.
Over the past month I have watched my credit score with Equifax fluctuate on a daily basis, ranging in dropping scores of almost XXXX points in less than one day, to raising, dropping, raising, dropping etc ... XXXX XXXX, 2015 ( score XXXX ), but that changed when I reported inaccuracies to this agency and my report was in the process of being replaced with the outdated information. On XXXX XXXX, 2015 ( score XXXX ), XXXX XXXX, 2015 ( score XXXX ) and today, XXXX XXXX, 2015 it is back down to ( score XXXX ). 
I have reviewed information contained on both XXXX XXXX and XXXX XXXX credit files and they have added items that are incorrect, deleted previously populated data and have basically frozen my account with DISPUTES on all accounts. Also, on a daily basis I receive emails telling me that my DISPUTES have been completed and that I can view the results online. However, if I look at them during that current time, they are stuck in the UNDER INVESTIGATION mode. 
I would like for Equifax to remove all history & disputes associated with my accounts as of today and repopulate my account with the XXXX XXXX, 2015 report and END ALL INVESTIGATIONS & DISPUTES from my account, and delete any DISPUTE comments made. The XXXX XXXX report is the closest report I can find in the past 4 months that appears to have accurate information on it, and I would like to start " fresh '' with that information and let my creditors update that information monthly as they 're required to do anyway. 
I have attempted to contact them over XXXX times to resolve the discrepancies and I have contacted the " Dispute '' department, who transfers me to the " Customer Service '' department, who then hangs up on me. This is either incompetence or fraud on their part, but they can go a long way to fixing the issues by restoring my reports.
Was sent letter claiming to owe without any documentation of charges. I called them and demanded a full breakdown of charges and a copy of any signed approval document that I ever agreed to these so called charges. Company has Never provided proof of charges or even attempted to resolve these bogus demands. I recently sent another request for proof of charges and now this shows up on my credit report damaging my credit. This Company is a fraud for reporting illegal charges never approved by me. I even called the hospital and they referred me back to Helvey and Associates who has never tried to provide me documentation of debt, because they cant get any as the Dept is not owed and never was! I am asking to have this damaging disclosure immediately removed from my credit profile
The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishand led MY loa n money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
My loan originated on XX/XX/XXXX, with a principal balance of {$310000.00}. The original lender was XXXX XXXX XXXX XXXX XXXX. My loan was later bought by XXXX XXXX. There is no evidence XXXX assigned the note and deed of trust to XXXX XXXX XXXX, XXXX, as Trustee for XXXX Master Participation Trust ( XXXX XXXX XXXX ) on XX/XX/XXXX. There is no pooling and servicing agreement. Caliber Home Loans, Inc. ( Caliber ) began servicing your loan on behalf of XXXX XXXX XXXX on XX/XX/XXXX. The Note, as modified by the XX/XX/XXXX loan modification agreement, and Deed of Trust are no longer in full effect since the original note was canceled. They can't have two notes open. There is automatic stay in place when my wife XXXX XXXX XXXX, filed for Chapter XXXX bankruptcy on XX/XX/XXXX. There was a sale scheduled for XX/XX/XXXX, but as Mrs. XXXX filed for bankruptcy protection on XX/XX/XXXX, foreclosure proceedings are currently on hold. The 36-month payment history is all wrong as my pre-petition and post-petition payments have not been credited correctly to my loan.
Please remove the following unauthorized inquiries from my Transunion credit report 1. XXXX  XX/XX/2018 2. XXXX XXXX   XX/XX/2018 3. XXXX XXXX XXXX XX/XX/2018
I am a permanent resident. I do not yet have a SSN. Ally online bank flatly refused to let me open an account without one although I explained that the gov.ss states I do not need one to open a bank account. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX make the online process impossible without a SSN.
There was an application submitted on XXXX XXXX, 2016 for XXXX XXXX Visa through Comenity Capitol bank. It resulted in an online approval. However, I called and was told that it was only a soft pull. Subsequently the account was closed before the card was ever sent out. This additional account totally XXXX up my XXXX and also showed as a hard pull from XXXX.
Portfolio Recovery Services constantly calls me at all hours claiming I have a debt from 12 years ago that I never had ( and would be past the statute of limitations even if I did ). They spoof numbers so it 's always different on the caller ID. I 've sent XXXX cease letters certified mail to them, and they ignore them both. They use vulgar language and threats every time they call. This has been going on for over a year, my next step is to sue them as others have ( which would include {$1500.00} for every call they make to me ). They ca n't even tell me what the so called debt is from!
While in forbearance and applying for a loan reduction, XXXX XXXX sent negative remarks to XXXX  for non payment of accumulated interest.
Consumer ID # XXXX In my previous dispute with this XXXX  dated XX/XX/2019. XXXX  has failed to provide a method of investigation as requested. CFPB complaint # XXXX XXXX  failed to respond to my method of investigation. Futhermore, as a company holing a report under my name, XXXX tried to push the burden of proof to me. How lazy and irresponsible of XXXX  to have me try to verify the information they are reporting, IT IS YOUR JOB XXXX!!!!!!!! not mine. 
-Still have yet to receive a method of invesigation -Still have yet to get any relief on the issues requested in this dispute -XXXX  has failed to fulfill their responsibility and tried to push the burden on me. 
- Multiple FCRA violations Furthermore XXXX  has failed to correct/remove/verify/show method of investigation for anything I listed tint the previous dispute. This company is willfully not complying with FCRA Once again, attached is all items that had been previously disputed and a method of investigation/verification had been requested in Cpfb complaint XXXX. I have the utmost confidence in XXXX ignoring/ brshing me off as well as, not complying with standards set forth in an industry they chose to be in. XXXX needs to do a better job at DOING THEIR JOB and stop trying to push their responsibility back to the consumer.
My issue is regarding synchrony bank. I had an account go into charge off status due to the XXXX of my grandparents causing me to fall behind on payments. I spoke to a nice woman about 2 months ago who told me since my account was paid in full, that it could be deleted. I received my letter from the company stating that my account is paid in full. But have not yet received my deletion letter as promised. After numerous phone calls and attempts to get my letter, they told me " there is nothing more they can do for me and I have to figure it out ''. As soon as I found out my account went into charge off status i immediately paid the balance and i feel extremely disappointed that this company is just making me go in circles without giving me my letter that I was promised. And giving me false information that my account would be deleted if they didn't plan on doing that.
I recent had a n alert on my credit file that I had a collection account for Diversified Consultants. This was for an old XXXX bill for an old address that was suppose to have been cancelled. XXXX failed to cancel the service in XX/XX/2017 when i requested due to my family and I moving out of state for work. 

I just received another promotion at work and will be moving again, so instead of arguing over the old bill, i paid it after being assured that this would be taken off of my credit reports. I made the payment about a week ago and was told it would take 4-5 for the account to be removed from collections. Well today the account updated as paid, so I contacted XXXX again in reference to the collection account they sent to Diversified Consultants. I was again assure that this would be removed from my credit reports if I called up Diversified Consultants directly. 

I called Diversified Consultants and the rep told me that they will not remove the collection account, they will only update it. So after some back and fourth, I am back at square one. I have paid a bill that i should not have, because I did not owe it, however wanted it off my credit reports so I paid it anyway.
I ANTICIPATED THIS RESULT FROM EQUIFAX AND I 'VE BEEN THERE BEFORE WITH THEM BECAUSE THEY DO N'T SEEM TO THINK THEY HAVE TO ABIDE BY THE LAW TO ISSUE MY OR MY WIFE 'S REPORTS. I HAVE TO GO THROUGH THIS PROCEDURE EVERY TIME I ORDER OUR FREE REPORTS FROM EQUIFAX. I SUPPOSE XXXX AND EXPERIAN WILL DO THE SAME AFTER EQUIFAX CONTINUES TO GET AWAY WITH THIS VIOLATION, HOWEVER, I HAVE NO ISSUES WITH THEM AT THIS TIME.
I submitted a complaint to the CFPB on XX/XX/2016 regarding Roundpoint mortgage not allowing typical and standard costs that have been verified from the buyers lender in a Cost Estimate for his loan that we asked the bank to allow after raising our sales price to cover those fee 's along with Roundpoint paying for Title fee 's for the borrower so that we could insure our title at closing for the buyer. The complaint case # is XXXX. 
Roundpoint has continued to stall in making any decisions on this account and also has not replied to the complaint submitted on XX/XX/XXXX, other than " Roundpoint needs more time '' That again is a stalling tactic. the single point of contact " XXXX XXXX '' has continued to tell me that I can not get any info from the correspondence dept regarding what is going on with that complaint. He has also said that the file is still under review and has not been responded to although they say its been complete since XX/XX/2016. It is now XX/XX/XXXX without an underwriters decision. This file has been under review with Roundpoint since XX/XX/XXXX. That is 4 months too long to highjack any file and just let the borrower continue to make payments without any response to a bonafide offer that is ready to close. Please get Roundpoint to respond appropriately and legally.
I am a XXXX Veteran that is trying to purchase a loan. XXXX trade line with Experian shows an " Account In Dispute '' for XXXX. I called Experian to get this removed because the XXXX system would not accept my loan application. Experian told me after many phone calls that I would have to contact the creditor. Experian said they will not remove the Account In Dispute Comment for accounts on collections that are over {$500.00}. This allows the creditor an opportunity to force a payment on the account. Even though the account is no longer in dispute. Here is what happens. 
-Individual disputes unknown item on their credit report-Experian sends the dispute to the creditor ( collection agency ) -Collection agency does not have to supply any proof, only respond back that the account is legitimate and the add " Account In Dispute in the comments '' -Several months pass and individual wants to buy a home and the XXXX system kicks it back. 
-Needing a home loan Experian uses that leverage to force the individual to contact the creditor and negotiate getting Accoint In Dispute removed. 
Essentially individuals are required to pay accounts that they believe are fraudulent under duress of needing a home loan.
I have a mixed credit file with another family member. XXXX and XXXX have removed the Public Record but Experian and XXXX refuses to call the Court House to investigate. Numerous inaccuracies exist including wrong address, No dollar amount, wrong District for Bankruptcy and furthermore they say it happened on my birthday. Please remove this from my file?
On XXXX XXXX, XXXX I took my daughter XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. She received care in the emergency department. I received a bill from the hospital concerning physician services, but never the emergency services. The balance for the physician was paid in full as of XXXX XXXX based on the balance that was mailed out. I received an " overpaid '' check in the mail stating that I had over paid on the account. As of XXXX XXXX, XXXX I received a report on my credit in the amount of {$650.00}. I called the collection agency number only to be told my daughter 's insurance was never filed back in XXXX. I was then told that the physicians and emergency departments are billed separately and that the hospital would be the one to send over the insurance information to the emergency department that never was sent. I asked why was n't I informed of this and was told that the letter that was mailed out was returned back to sender. I asked them how was that my fault and was told that once the letter was returned back to them that they had to report it.
As a Wells Fargo checking, savings and auto loan account customer, I was repeatedly solicited to open a secured credit card account. In XX/XX/XXXX, I placed {$6000.00} collateral into a Wells Fargo account and used it for a few months. On XX/XX/XXXX, I paid the outstanding balance of {$5900.00} in full and called Credit Card Customer Service at XXXX to confirm that that the account was paid off. I was informed on a recorded line that my collateral deposit would be transferred into my Wells Fargo checking account within 6 weeks. On XXXX XXXX, I still had not received it, so I called same number and spoke with supervisor XXXX XXXX on a recorded line. She did not know why it had not been transferred yet, but assured me the funds would be available in my checking account by Fri XXXX XXXX or I should call her again. On XXXX XXXX, the funds were not there, and at it was exactly 6 weeks since pay off. I left her XXXX voicemails which were not returned. I then spoke with supervisor XXXX, extension XXXX who informed me that the funds were not released until XXXX put the order in on XXXX XXXX! She also informed me that even though this was Wells Fargo 's mistake, it could be ANOTHER 30 DAYS ( from XXXX ) for the funds to arrive! XXXX also suggested that I should " call every day '' to check on the wire as if I have time for such a thing! None of this was my mistake and I 'm being penalized for their incompetence!
This debt keeps appearing on my report after numerous attempts for proof of account, balance. I received a letter back in XXXX 2016 that it would be removed from my account and it was for few weeks then I assume bought from another debt buyer and its back on my account with another debt company. I do not have any idea of a debt owed to XXXX XXXX nor have a received a detailed bill of this debt and what the charges are for as I am required this information by law. I have sent multiple requests for months now for removal of this account with all XXXX credit bureaus and still no response from new debt collector. The first collector was XXXX XXXX and now the second collector is AFNI and I want this removed from my account due to over 30 days requested information never received, sent certified numerous times and no detailed bill received. Please help me in this situation and I am forwarding information I have pertaining to this ongoing battle with a debt I know nothing about nor have I been sent information, 30 day request for detailed information per law passed. This is unlaw practices of the fair credit law under consumer law. These debt collectors keep buying and selling this account with no required information of detailed bill as requested on numerous times, well past 30 days required by law and the credit bureau continues to allow this to happen as I have sent all XXXX of them I want documentation of this debt and 30 day period and all they send back is " it remains '', no investigation, no contacts, nothing and certainly not following consumer credit laws. 
Please see attached information. Thank you.
My lease with Nissan ended XX/XX/2015. We turned in the vehicle as we were supposed to do. We were told that we would receive a statement within 6 weeks. We did not. My wife went online and paid the amount showing as owed for the disposition fee using their online payment system. A couple of weeks later, my wife noticed that the payment never went through. She tried to log back in but it said the account was closed. She then mailed the payment in to the address listed on their website. That was returned as undeliverable. At about the same time as the payment was returned, we received a letter from XXXX XXXX XXXX XXXX saying the account was placed with them for collection. I called Vital and was explained our attempts to pay, and was told to contact Nissan. I contacted Nissan ( NMAC ) and was told I had to have the payment in the next day or would appear on my credit. He said that he could not take a payment over the phone. I was told to log into my account and make the payment, which I did. The payment still shows as pending. The manager, XXXX, told me that it was due the day before, and that it may have been reported on my credit report. I explained everything that happened and that we had repeatedly tried to pay this off but due to NMAC 's problems the payment keeps being rejected. He said the payment should go through today or next Tuesday. I asked if it will appear on my credit report and he said it may, since it was due yesterday. I told him that if it does appear on my credit report, I will sue NMAC. He said that he would make a note of it in my record.
I Have XXXX hard inquires, XXXX from XXXX and XXXX from XXXX on my Equifax report that are not mine. I tried using Equifax to dispute this but they came back saying that they are mine. But I have never delt with XXXX and I have n't been a XXXX customer in years.
I applied for a payday loan with Oportunum a month ago or so.My loan was for $ XXXX.My payment biweekly is {$36.00}. I got behind on my payments.I have been harrass by numerous of phone calls per day.They need to stop. I know I owed {$300.00} but this is insane.Please help with this issue.Thanks