WillisBack/dataset-financial-user-claim huggingface dataset:
I have had oral and written communications with Receivables Management Systems ( " RMS '' ) numerous times at the beginning of them placing a medical debt payment on my credit report ( XX/XX/XXXX ) and as recent as of XX/XX/XXXX. I do not and have never had a written contract with RMS to pay them anything and have denied over and over again owing the medical debt they are repeatedly asking me for. They claim that the debt was purchased from XXXX XXXX. I had a contract with XXXX XXXX, but my insurance company paid that off in either XX/XX/XXXX or XX/XX/XXXX. I DO NOT HAVE A CONTRACT WITH RMS and never signed or agreed to pay them anything. have even hired XXXX XXXX XXXX to get their assistance in removing the duplicate collection payments from all three credit reporting bureaus. Once XXXX XXXX XXXX got involved, instead of RMS deleting the collection data from my credit reports, they placed a duplicate collection on my reports showing that I owe {$0.00} and that payment was received. However, the original collection they put on my reports is still there and shows on my reports as an additional collection, with a new start date as of XX/XX/XXXX ( starting the seven year removal cycle all over again ). This has turned from bad to worse because it is showing up on my reports as a new collection debt and has lowered my credit scores by an average of 22 points. RMS has been playing games and have been very uncooperative. They just wo n't budge and seem to enjoy doing detriment to my credit score, even though they can not produce any papers showing that I have an agreement with them to pay them anything. I want all of their collection debt information deleted from all 3 credit reporting agencies immediately. I realize how important good credit is and have been working extremely hard to improve all aspects of my credit. Negative 22 points is a large set back to be placed on anyone 's credit and especially if it 's not valid or proven. <P/>Please help me get this bogus medical debt removed from my reports. You are my last resort to getting this officially taken care of once and for all. <P/>Thank you.
Regarding a fraudulent Capital One credit card account that I have been fighting since XXXX, 2015. I sent Capital One a notarized ID theft affidavit back around XX/XX/XXXX/XX/XX/XXXX. They claim that it 's my responsibility when I did not authorize anyone to open the account. However, I am suspecting it is a family member who did reside at my home from the time the account was opened and then used. Unfortunately, I am unable to contact this relative, nor have any of my family members had such luck. Yes, he did reside at my home, yes he did have access to my personal items such as cellphone, computer and filing cabinet, and it would not be his first time committing fraud. Capital One has failed to recognize this instance, in a time that we are living where ID Theft is astronomical in crimes committed. I also want to add that I have fought this account with the credit agencies and had it removed, however, Capital One has gone ahead and reposted this account. I am willing to fight this fraudulent account to the end, and will pursue legal matters against Capital One until my name is cleared. Finding and prosecuting my relative is a bit more trying. The account number is XXXX. I am going to file another complaint with the XXXX as well as the FTC and Virginia State Attorney.
I hired XXXX back in XX/XX/XXXX to assist me with removing items that did n't belong on my credit report due to the age of the debt or incorrect information. I had an auto that repossessed in XX/XX/XXXX and it was auctioned and sold. The creditor added on extra fees and I had disputed with them regarding the balance owed. This still item still remained on my credit report during my dispute with them. In XX/XX/XXXX, with the assistance of XXXX, this item was removed off my credit report It has now re-appeared showing a totally different company as the original creditor and the open date for the account is showing XX/XX/XXXX which is incorrect. I fell that they are trying to re-start and old debt and to my understanding, that is illegal to do. I did reach out to the collection agency today, XX/XX/XXXX and when I advised this information that they are reporting is incorrect, I was placed back into the call rotation. I 'm hoping you can help me. This is showing up on XXXX, but I 'm not sure if it 's showing up on the other XXXX credit reporting a agencies.
i had sent out a verification letter to Zales on XXXX/XXXX/XXXX with no letter from them verifying anything that I had sent, since the 30 days has pass for verification they want to sent a letter on XXXX/XXXX/XXXX threatening to sue me for the bill that has not been verified by them. 
I 'm also sending them another letter on today XXXX/XXXX/XXXX.
It was a very hard time to get access to a dispute specialist over the phone. I had tried many calls to them over the course of 3 days to reach someone. FInally after selecting the credit report prompt I was able to follow to prompt to a specialist.

Once on the line with the specialist I was constantly asked the same question that I was disputing information regarding.

The specialist did not appear to want to help me the consumer but more so protect the company. The inaccurate reporting I informed the specialists I had documentation regarding she continued to ask the same question after I stated it was not correct. Finally I was given a separate link to use which also did not accept the upload of the supporting docs. 

There is an account for XXXX  XXXX XXXX that I do not have a contract of service for. This account has been placed by 2 other agencies and is now with a third and has been removed twice before. This account should have been removed and checked before placing. I should not have to work hard after the placing of the account as a specialist should have seen this account was deleted twice before and now it is being placed again now that it has been sold. 

There is a Bankruptcy reporting which has to be verified via the source and the US Bankruptcy court has noticing on the website which states they do not report to any CRA. Since all reporting has to come from the source this account is also not reported accurately as XXXX XXXX is not the source and PACER is not a source so therefor the Bankruptcy should be removed due to the account can not be verified via the Federal Court reporting the record.
I am contacting you again regarding my initial Case number : XXXX. I requested a copy of my credit report and sure enough Bank of America is still not reporting my information accurately. I tried going through them, and I tried going through XXXX and the problem is still not fixed. Bank of America is reporting that my mortgage is CLOSED and they did not report my payment that they received ON TIME for the months of XXXX, XXXX, XXXX and XXXX of 2015. I need them to fix this. Mortgage credit scoring has a huge impact on a persons credit score so it is very important that they do the right thing here. They need to report those payments, and they need to report this account as OPEN in order to fix their mistake. They have reported subsequent payments, but not those particular months. Please help. It is unbelievable that I had to come back to you again, but here I am still fighting with Bank of America.
This complaint is about XXXX credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX. They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us government.
My husband and I had a property investment loan with Ditech. The loan was refinanced in XXXX 2016 and as soon as it was paid off, Ditech starting reporting the XXXX payment over 30 days late to the credit bureaus. They put the burden on me to send in XXXX of our credit reports and proof of the bank wire that was sent on XXXX XXXX, 2016. About 3 weeks later, they took off that late pay BUT then 14 days later put it back on. I called and they said it was the XXXX payment that was late. I had to send them proof again of my check dated XXXX/XXXX/16 and proof it cleared my bank on XXXX/XXXX/16. Then they determined they did not apply the payment to the loan. I first started contacting Ditech about this XXXX, it is now XXXX and despite hours of research, multiple letters and faxes and at least XXXX calls, they are still reporting inaccurate information to the the credit bureaus and we have no control over this! I have asked for over 2 weeks at least for a letter stating the XXXX report is inaccurate so I can use that to complete other business and XXXX supervisors have told me I would get XXXX that day and it 's been over 2 weeks. Not one supervisor delivered a letter or even called me back. My husband and I are self employed property investors and our credit score is CRUCIAL to our daily business. This inaccurate information has caused our scores to crop XXXX an d XXXX points respectively and we can not get the loans that we need to for other homes until this is resolved. Also, this has caused numerous pulls to our credit to see if it 's fixed, further reducing our credit scores. In the 2 month timeframe during this, we had several property insurance renewals come up and they were increased because they are based on credit scores. We are even receiving notifications of interest increase on credit cards due to the false late report to the credit bureau. This MUST be addressed. This is hurting consumers. I 'm a professional at monitoring my credit etc because of our business and I ca n't get this resolved. I ca n't even imagine a regular consumer dealing with this sort of situation.
I am enclosing my last 3 payments to AES. 

The payments and interest rates change every month and makes no sense. I have not agreed to any terms they change my rates to and they are not consistent with how my payments are allocated. I have enclosed my last few payments.
Select Portfolio Servicing ( SPS ) has sent us XXXX letters, XXXX dated XX/XX/XXXX and the other dated XX/XX/XXXX ( both attached ). In the first paragraph of each letter which referenced our mortgage loan account were the following words : " the mortgage servicer on the above referenced account, participates in the XXXX Treasury 's Making XXXX XXXX program ( XXXX ). '' We sent in a HAMP application to Select Portfolio Servicing and received a response that did not even mention that our application was utilizing the form from the Making Home Affordable XXXX Treasury program. When we received the second letter, I called regarding the letters claiming participation in XXXX and was told that these were form letters and that our loan could not be modified. They have repeatedly said that the investor does not participate in XXXX. I would like to know why they are sending us letters of this nature when they know that they will not assist us with a XXXX loan. I for XXXX am extremely angry since I nearly died in the hospital from an attempted suicide on XX/XX/XXXX because SPS verbally granted a HAMP application review and then did not review our application as a HAMP. It seems like a computer can be programmed not to send out a form letter if it is not applicable. I believe that their so called " form letter '' shows their deceptive trade when dealing with our account. 

The pool service agreement XXXX PSA ) does not show any restrictions to XXXX loan modifications. Even if there were such restrictions, which we do not believe even exist, according to the XXXX Handbook XXXX Section XXXX regarding Servicers Participation Agreement ( XXXX ) servicer participants should " use reasonable efforts to remove any prohibitions and obtain waivers or approvals from all necessary parties in order to carry out the requirements of the XXXX? '' Furthermore, under XXXX XXXX of the XXXX the servicer should contact the investor in writing at least once, encouraging the investor to permit modifications. Every time we have applied for a XXXX loan modification and our loan applications were not handled as a XXXX application, we have asked SPS if per Section XXXX, had they made reasonable efforts to gain approval, and per Section XXXX, had they contacted the investor. We have never once received an answer to the above questions.
I received another response letter in the mail from XXXX XXXX XXXX, Vice President of Loan Operation at PHEAA/Fed Loan Servicing. It is my contention that my account with Fed Loan Servicing was setup incorrectly back in XXXX/XXXX/XXXX with an option called " paid ahead status ''. This option has been removed from my account. This option caused 9 of my Public Service Loan Forgiveness monthly payments to NOT count towards the 120 needed for loan forgiveness. Also, it was a FED LOAN SERVICING employee that told me to make a telephone payment of {$190.00} which was not applied to my account, as the old servicer XXXX had already taken out the {$190.00} that was due in XXXX. The 9 payments that I am disputing were made after Fed Loan Servicing sent me incorrect monthly invoices amounts instead of the amount needed to qualify for PSLF. There is also a delinquency forebarence listed for XXXX/XXXX/XXXX. They sent me an outdated form, then Fed Loan Servicing rep helped me fill out a new form and I faxed it over, I was switched from IBR to Repaye payment plan after checking the wrong box on the new form. 

XXXX XXXX XXXX ( XXXX ) can copy and mail me the same XXXX/XXXX/XXXX letter and it will not change my opinion. The Department of Education is a predatory lender and PHEAA/Fed Loan Servicing is a predatory loan servicer. If my goal was to make 120 qualifying payments why would they setup my account with " paid ahead status '' as an option other than to keep me from making the 120 payments for loan forgiveness. There is nobody that can hold them accountable. I have filled out the CFPB complaint, contacted FSA Feedback Center for an Ombudsman, and contacted my local U.S. Senator 's office to follow my case. The PSLF program is a sham. I have been paying on my loans for 10 years, and I never had a problem with XXXX XXXX or XXXX. My problems happened right from the beginning with PHEAA/Fed Loan Servicing. This is the 3rd CFPB complaint ( see # XXXX and XXXX for further information ) that I have submitted on this issue.
I 've been trying to dispute this alleged collection debt of {$1200.00} that Diversified Consultants ( DC ) claim I owe. I sent DC my first certified letter dated XX/XX/2017, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from Diversified Consultants should be ceased and removed from all my credit reports. DC replied with a letter dated XX/XX/2017, stating that they found the debt " valid. '' Their verification included a letter from XXXX, which included an itemized bill. I also noticed the address on XXXX bill doesnt belong to me. Theres also no signature agreeing that the debt should be paid to Diversified Consultants. DC 's evidence is invalid. I sent a second certified letter dated XX/XX/2017, which DC received on XX/XX/2017, according to the signed return receipt. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Diversified Consultants since, which show they lack the proper documents. However, they continue to falsely report this debt on all my credit reports.
I have disputed XXXX XXXX several times. They are reporting that I am past due. The amount that they are reporting as past due is actually what is in forbearance after a modification. However Experian keeps saying it was verified. So this time I reached out to XXXX and emailed the CEO he had someone get back in touch with me only for me to find out Experian NEVER contacted them to investigate. I am asking that Experian stop violating FCRA laws.
AMERICAN EXPRESS CARDS GOT STOLEN, AND REPORTED TO THEM. 
XXXX DISPUTE CHARGES ON THEM. 
THEY WILL NOT TAKE THEM OFF.
I have filed BK and it was discharged I put in a complaint with CFPB and was closed by you I have documentation proof my student loan was discharged
on XXXX XXXX i had a XXXX and been put on long term XXXX.havent been able to work since then.have repeardly told walmart and synchrony bank i am on hardahip and not to call. they constantly call and block thier nemer and are very rude and use bank names i dont deal with they say its personal and the mlae that calls refuses to give his name i tell them not to call and explain why they dont listen or care they will geet a payment when i can this all started when i was a month late with them
I am writing for assistance to determine the legitimacy of the owner and servicer of my mortgage. With whom should I speak to regarding the owner ( s ) and servicer ( s ) of my loan. Currently, the owner is XXXX XXXX XXXX and servicer is Caliber. 

In XX/XX/XXXX, Caliber did a modification. After doing so, Caliber changed my FHA Fixed rate mortgage to an Conventional Adjustable one, When I discovered the issue I filed a complaint with Consumer Financial Protection and Caliber was supposed to have corrected the issue. 

As of XX/XX/XXXX, the owner will be XXXX XXXX XXXX and servicer is XXXX XXXX XXXX XXXX. In lieu of the fact that fraud is as at an all time high. I am trying to ensure the aforementioned is accurate and the transfer is legitimate. 

Please let me know who I should speak with regarding the issues listed. Thank you in advance.
I have repeatedly requested and been denied a credit limit increase on my Capital One credit card. I have also filed numerous CFPB complaints related to the denial of a credit increase. 

My last complaint filed with the CFPB I received a response from a XXXX XXXX stating that she could not approve a credit line increase at this time until she spoke to me on the the phone and performed a manual review of my account. She also stated she sent me a secure message to my Capital One account asking that I please contact her. She provided her contact information in that letter. 

I have left XXXX 3 voicemails to date and have not heard back from her. I also spoke to another representative in client services and I explained I could not reach XXXX. This client services representative stated she sent XXXX an email message requesting she call me immediately, again I have not heard from her. Also, I never received an email stating there was a message waiting for me in the secure message center in my Capital One account and when I went online, the secure message center has been discontinued/closed. 

I am tired of the run around by Capital One. I 'm tired of being denied a credit line increase when I have good credit, make all my payments on time, and utilize the credit I have. Even my CFPB complaints are responded to with inaccuracies and I 'm unable to get ahold of the representative to help me obtain a credit line increase. 

I have been offered a 0 % balance transfer and I would like to take advantage of that promotion, but am unable to do so without an increase in my credit limit. To note, I also have an auto-loan with Capital One and always make timely payments on that account as well. 

I am asking that a manual review be performed and that my credit line is increased to {$12000.00}. 

Thank you.
I have multiple hard inquiries that I don't recognize from these consumers XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.
I have tried to resolve this issue with TransUnion and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is XXXX opened XX/XX/XXXX amount XXXX the company or Transunion who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.
My mortgage is serviced by XXXX XXXX ( XXXX ). In XX/XX/XXXX, I had to stop working due to illness. I reach out to XXXX  for a loan modification approximately XX/XX/XXXX. They did a forbearance plan instead a permanent loan mod. Each forbearance was for 3-4 months and each time I had to reapply in advance. I did always. One forbearance period ended in XX/XX/XXXX. I had already applied for a loan mod and by XX/XX/XXXX, it was still pending with XXXX. I was told it was still under review, but told me I could not send any payments until they ( XXXX Underwriters ) made their decision. Towards the end of XX/XX/XXXX, they made the decision to continue with a forbearance plan and the next payment was due XX/XX/XXXX. I was specifically told I could not send in no other payment except for that in the forbearance & had to follow the plan. If not, the plan will be breached & I would be required to pay the full arrearages. Later in XX/XX/XXXX, XXXX put on my credit report that I had a late payment for XX/XX/XXXX. I disputed thru the credit Bureau & XXXX. Explained to them, that because our case was under review, they refused any payments until they agreed to a plan. Once completed, they instructed me to make a payment starting XX/XX/XXXX. I remained under forbearance until XX/XX/XXXX, never missed a payment or defaulted under the forbearance plan. You can never continue in a new forbearance plan if you are default from the previous. However, XXXX, still has a late payment on my Credit file ( over 420 days ) & refused to resolve this matter. For this reason, I am unable to refinance or get help from another financial lender. The loan has been under review with the underwriters since XX/XX/XXXX, & still no decision. In the meantime, no payments or being made or accepted by XXXX until the review is finalized. They are sending someone to inspect the property on XX/XX/XXXX before they make a determination. XXXX   has been unorganized, added false info to my credit report, not reporting correctly of our agreed forbearance amounts/plan & they are showing all our agreed payments as unapplied. Numerous attempts have been made to resolve this matter but they have been unprofessional, uncooperative, & refused to correct or remove this derogatory info. It has negatively impacted me to move forward with restoring my situation. As of now, my case is still pending since XX/XX/XXXX. XXXX says the review takes 7-10 days, but it's been 60+ days, still no determination on their part. So we are helpless and continue to fall behind due to their unfair business practices & handling of my loan. As a veteran of the XXXX XXXX & the XXXX XXXX XXXX, I am appalled that they are able to treat our service men & woman this way & get away with it.