WillisBack/dataset-financial-user-claim huggingface dataset:
This account {$340.00} for CommonWealth Financial for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from XXXX XXXX XXXX XXXX and then sent to Commonweath Financial. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus Commonwealth advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from CommonwWealth is because they got it when I disputer with credit bureaus. When I sent in verification of debt with Commonweath they only provided what was sent to them from XXXX XXXX. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to XXXX XXXX as well and they cant even verify anything outside of my name.
On XX/XX/18 I reached out to Bank Of America to see if they could waive the late fee ( s ) that were incurred due to late payment ( s ) which was no fault of my own I've tried on  numerous occasions to add my financial institution to their bill pay service but to no avail it is my firm belief that they blocked and or prevented me from adding my financial institution to cause such an action the customer service representative stated that i had other options other than using online bill pay which I told her those options weren't best for me suffice to say she said she couldn't waive the fees for me when the fees were incurred due to bank negligence
On XX/XX/XXXX, 2017, XXXX XXXX, XXXX placed a collection account on my XXXX and XXXX credit report. The account is from XXXX XXXX in the amount of {$410.00}. I disputed this same account approximately 4-6 months ago as not being liable for the account due to fraud. The account was removed via my dispute but has now been sent back to XXXX and XXXX credit reporting agencies and placed on my reports once again. I 've attempted to dispute with the credit bureaus, but have not heard anything as of yet. This is week 3 without a response. I am asking for your help. Thank you.
The company who is calling me on an old debt called and discussed the matter with my XXXX year old daughter and my employer. They also advised me they are trying to have me fired.
Each CRA has permitted the data furnisher to report in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : Name : XXXX XXXX XXXX Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX TransUnion : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Requests : Each CRA must provide the documentation used to verify the validity of this reporting. 
Each CRA must provide a copy of all information used as the source of this reporting ; also provide the names, phone numbers and addresses of all parties contacted in connection with the investigation. 
This account must be deleted.
I refinanced nearly {$54000.00} in student loan debt with a company called earnest. I made a mistake in taking up service with earnest. It's not a good fit. I realized immediately on a Sunday. I called Monday and they were closed for XXXX XXXX. So, I called immediately as they opened on XX/XX/XXXX. Well within my rightful timeframe of 3 business days to cancel. I was assured it was all taken care of. About a week later I received an email stating the funds were being sent to the servicers. I called immediately and they blamed it on an anomaly in their system. 3 days later I still have no update.
I recieved a letter in the mail 3 months ago and when I Opened it there was a completely legit looking check made out to me for XXXX dollars. I have never talked to this company by any means and never prequalified with them as I am not originally from this state..I honestly was broke when I recieved this check so I went to the check cashing place to see if I could cash a random piece of paper with my name on it from Maverick Finance Funny enough it got cashed. Now apparently, I am there debt XXXX for a year and never initiated this relationship in any way. Yes I 'm the dumb one to cash it but what does any poor guy do when they get a check for {$1000.00}? The is Predatory to a T. Honestly I am not good with financial decisions, so I had my address opted out before this happened. How do these people know I 'm that XXXX who will cash this? Where did they get my addres? I had been signed up for OPT out before this came..is XXXX just selling everybody 's secrets Or now if you have an impulsive personality XXXX XXXX algorithm detects this and sends this loser company a list of down and outs trying to not make stupid life decisions anymore. If this XXXX is legal that 's crazy. It is comparable to sending a junkie who has been clean for a year a little bag of XXXX in the mail. He did n't ask for that envelope to come his way, but most addicts honestly are n't throwing it away. . I need to know if this is legal for them without checking to see If I am even working or if I am even capable of paying the amount. What if I worked a min wage job? I have made a few payments and now I 'm broke every payday. I receive calls constantly and have several saved calls as they are not supposed to call me or my work. - The company name is Maverick Finance in XXXX, ID - Weird thing is I think there was a different company on the mail I received but no clue. They were not listed the same I do remember that - My Name is XXXX XXXX. I tried to pay this debt back but after thinking about how this never would of happened if not for opening some random mail ... I want to know if they really are allowed to mail me a check, then patiently wait until I, the XXXX algorithm rated XXXX cashes it? XXXX XXXX XXXX Oh yea, my phone number is a California based number, .. the first time they called the lady said she was not allowed to call California numbers but I do n't think they really give a XXXX when in comes to legality. It 's whatever and thought that was weird, I live in XXXX ID If this debt is valid and legal I will pay but I ca n't afford the monthly payment of {$130.00}. My question is how do they know my address/ my compulsive problem/ all my work info/ this is a scary form of advertising. Please let me know if I am actually obligated to pay or is this something that is not legally allowed. I know calling me is n't legal and I have all conversations Saved.
I had no credit inquiry 's on my trans union report before XXXX 2016, i applied for a credit cars and was denied do the fact TO MANY INQUIRY 'S on my report. I did find out that TRANS UNION had a cliche in their system and as of XX/XX/2016 all XXXX inquirys where back on my report. I called and they told me nothing they can do. I called apx 5xs and NOBODY would transfer me to an AMERICAN SUPERVISOR ... still till this day i cant get someone to help me.
When I first started working on my credit in XX/XX/XXXX I had a collection on my report from XXXX XXXX for a XXXX account that was listed under a name that I had never done business under, XXXX XXXX ( my maiden last name is XXXX ). This account did not belong to me, I disputed it and it was removed from my report. On XX/XX/XXXX I received an alert that this debt was added back onto my Transunion credit report from a company by the name of XXXX XXXX XXXX. I disputed it right away as this debt does not belong to me AND I was never notified of this debt being re-inserted onto my report, which legally I am supposed to be notified in writing by the credit reporting agency within 5 days that something will be re-inserted. Transunion failed to send me anything regarding this. I disputed it right away with Transunion stating this and that the debt does not belong to me and after only 4 days of investigation they have returned the result that this debt has been verified as accurate. This debt does not belong to me and was illegally re-inserted on my report. In addition I have received nothing in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation of this debt.
the bankruptcy on file has been  discharged  but they wo n't verify it keep telling me they verified through a third party but has no information on status refuses to verifie it through the court
For months now I have been trying to get this XXXX account on my Experian credit report to report correctly. However XXXX and/or Experian keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on Experian from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Please also Experian report dated XX/XX/XXXX with Date of Status on XXXX as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and Experian/XXXX are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this XXXX account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.
On XX/XX/XXXX at XXXX XXXX, a representative from XXXX XXXX XXXX signed for a certified letter containing a dispute for a collection account they are reporting on my credit reports ( XXXX, XXXX, and XXXX ). On XX/XX/XXXX, they sent back a letter attempting to verify, but did not send any verification documents. I also sent another letter requesting verification, in which an individual signed for on XX/XX/XXXX at XXXX XXXX. They did not respond to the letter and they also did NOT mark the account as disputed within 30 days as required by law. They have not followed the guidance required by law per the FCRA and the collection need to be deleted from ALL of my credit reports.
I 've been battling for about a year now to get some accounts that were taken out in my name resolved. I 've sent this company XXXX series of documents and what they 've required for my case. Still, am having issues with a creditor collection company on my report. XXXX. The other XXXX collections came off but this did n't. I 'm wondering if XXXX or XXXX pays this bureau under the table or just pays more than what is required but it makes me concerned. XXXX have received also XXXX documents and I 've gotten zero response from them either. This bureau did respond just with notices of an alert. Also, there 's this judgment for {$910.00}? contested that bc I 'm never been evicted or sued or anything.
I have been trying to work with AES since XX/XX/XXXX ( as soon as I found out this loan was in repayment ) to reduce my monthly loan payment in order for me to get caught up. At the time, I was in between jobs and moving back in with my mother to try and get ahead. I had explained this to AES several times and submitted all documentation for a deferment 4 different times between XX/XX/XXXX and XX/XX/XXXX. Every time I would submit required documentation they would say that their processing department was behind and that I should call back in a week to check the status. Then, when I would call back, the person on the phone would tell me too much time has passed and that I would need to submit a new deferment request. During this time, my late fees and balance were continuing to grow. Now, XX/XX/XXXX, I am still calling to try and make small payments to get caught up and they refuse to work with me. Every person I speak to on the phone is extremely rude and will not help me in resolving this matter at all. It has completely ruined my credit at this point, and I do not know what else to do.
The CRA 's have added fraud alerts and security freezes to my credit reports after I specifically requested they NOT place fraud alerts to my file. This is a violation of FCRA regulations.
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
On Friday XX/XX/XXXX I filed a claim on a transaction from a merchant for a product/service I did not receive when I tried to send a fax at XXXX. A short time later, someone from XXXX, the business I tried to send the fax to, informed me that the fax was too dark to read. At that point I contacted XXXX to inquire about a refund and was told by an employee ( XXXX ) that I could not get a refund since I no longer had the receipt. I then called the Bank of America claims center to recover what I had spent and the representative informed me that order to have my money returned I would need to contact the business that received the fax and have them write to Bank of America on company letterhead with an explanation that they could not read my fax. Bear in mind that the total amount of the claim is about {$5.00}. Bank of America required this step in spite of my having gathered the name of everyone I dealt with at both XXXX and XXXX.
Attached is pictures of Payment reversal navient has made to my account. I tried paying them many many times they use to accept my payment but for the past mast its been saying payment reversal. I always make sure I have money on my checking account and the last payment I made via phone I made sure that the representative took notes and explained to her my situation. The payment has posted but I check again that they did payment reversal. 

Im filing a complaint because it has been affecting my credit and its not like Im not paying them they just dont want to accept it. Also they put me on forbearance even though I did not request it. This is a very serious case and I am not very happy with their customer service.
I have requested for a company to be investigated for incorrect reporting into my credit files. My request were submitted multiple times for the past six months. I have requested for the creditor to be required to submit a CONTRACT that obligated me to a claimed debt. The company has only supplied a bill in which is NOT a form of validating a debt. I have requested a signed contract with my name and social security number to be attached with my signature. Documents has not been supplied by the creditor to myself or to the reporting credit agencies. 
XXXX  and Equifax credit agency has continued to report derogatory information without thoroughly investigating the alleged debt. 

My request is that XXXX  Credit agency as well as Equifax comply with the FCRA section 616 and supply me with their method of verification from original dispute. 

RE : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT ; {$3500.00} ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX PHONE NUMBER : XXXX
I have has a second mortgage with HSBC since XX/XX/2006 at the rate of XXXX %. I have paid my mortgage on time but, after all these years my loan amount have only decrease only by {$4000.00}, and on top of that at the present time I work only part time and my spouse is on a set income. We have request for HSBC to extend our home modification on our loan because of our circumstances have not change. The modification was for only XXXX months before it ended. This is the interesting part about my situation. We received a loan to update our home for {$39000.00} about XXXX years ago. I pay {$460.00} for XXXX and half years and the rate of the loan only decrease to {$35000.00}. This mean I will never pay this loan off. I have pay them if my math is correct we have pay a total of {$44000.00} for the total of the XXXX and half year. I have pay this loan off with an additional {$5000.00}. This companies have railroad people for years and need to be put out of business. This is truly example of predator lending because you are trap unless you let go of your home. Is there something that can be done for financial companies such as these.
I, Called XXXX XXXX Starting on XX/XX/XXXX to resolve a debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. The collection agency informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account. I gave XXXX XXXX my file Number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX or the Collection Agency they said that I could pay either one. before agreeing to pay i asked the associate that I spoke to " Once payment is made in full will the charge off be removed from my credit report and he answered yes. I then asked him if he was sure he repeated yes '' he assured me as soon as there office received full payment that the charge off would be removed from both credit Bureau 's i sent a cashier 's check in the amount of {$320.00} to Merchants ' Collection Agency. I  then called XXXX XXXX back after payment was made, spoke with a supervisor and he said that they would not be removing the charge off from my credit report. He said " the he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their associates and i gave him that person name. I explained to him that that was unlawful what they did to me. He then apologized and said he was going to have a coaching/training meeting. This is Larceny by Conversion and this company reported that the account was paid but refuse to removed the charge off from my credit report
XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX Chase mortgage acc # XXXX In XX/XX/XXXX my wife and I filed bankruptcy chapter XXXX in United states Bankruptcy XXXX District of Florida. The Document was approved on XX/XX/XXXX. At that time we were current on our mortgage ( Chase Bank ) and our personal vehicle XXXX XXXX financed by XXXX XXXX XXXX. Both items, house and car were NOT included in the bankruptcy and we paid a separate fee for what it is called Reaffirmation agreement ( {$300.00} ). I must mention these monies were paid to XXXX XXXX XXXX XXXX XXXX XXXX   whom represented us, prepared and filed all documentation before the court. I will include documents as necessary to prove our complain. Chase bank got ride of the loan and sold it to XXXX XXXX XXXX after fraudulent foreclosure process that has not been resolved until today .Earlier on XX/XX/XXXX it was discovered on court that only one item ( XXXX XXXX ) XXXX XXXX was accepted in a timely date through the reaffirmation agreement ( XX/XX/XXXX ) and The mortgage was not, even though they were paid and filed about the same dates or close by, therefore the house had to be surrendered due to the mortgage house showing included in bankruptcy. Despite all of our allegations and showing proves of receipts and been over five years, and the none jurisdiction of the court in the bankruptcy case, the judge sided with the bank attorneys and we lost that battle due to the inefficacy of the bankruptcy lawyer or a premediated action of someone else. Please we need Chase bank to provide the exact time and date of receipt for the Reaffirmation Agreement sent by our lawyer XXXX XXXX XXXX XXXX of XXXX Florida back in XX/XX/XXXX excluding the house in the such call bankruptcy case .Also explain thoroughly why if mistakenly the property was included in the bankruptcy chapter XXXX on XX/XX/XXXX, Chase bank kept collection mortgage payments until XX/XX/XXXX.We are requesting chase to reimburse us all the payments collected after XX/XX/XXXX when chase knew the house was included in bankruptcy. Thank you for your help
I have had a  XXXX  rewards card with Fidelity  XXXX  for over 10 years. In  XXXX  of  XXXX  Fidelity (  Elan   ) m oved to a new servicer. When this change was made they capped my rewards without adequate notice. As a result, I did not earn rewards for the first  four  months of  XXXX . When I noticed this and called in they said all I had to do to remove the cap was to was to ask for it. There was not change to my account number. However, they would not credit me with the rewards I would have earned.
My loan payments were always sent on time. I keep explaining this to Experian and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX
I have had two calls from your company regarding a XXXX co-pay from XXXX XXXX Hospital, which confirmed last year that my balance was XXXX. I requested your people to check back with XXXX XXXX ... because I do not owe the {$25.00} and they asked for my address. I do n't give out my address to inbound callers and do n't you have it? If these are legitimate debts you should!
I received a "  XXXX  Credit Card '' issued by TD Bank. I never applied for this card!
I contacted Transunion on XXXX/XXXX/16 and requested that all inquiries on my credit report be removed due to their error in deleting them and then placing them back on my report without providing notification to me of such. I was hung up on four different times. Each person that I spoke with had a different justification for why they would not remove it. The XXXX one said that they would n't remove it because I did n't have any inquiries between XX/XX/XXXX and XX/XX/2016 which I explained did n't matter because all my inquiries were removed and that it was a violation of FCRA Section 611 paragraph B ( II ) to place any back on without notifying me. The XXXX person said that their records did n't indicate that I was affected by their error, to which I asked what proof they had of that and never received an answer. By the XXXX person I asked to speak to someone in the Special Handling department in the US and was told they could not transfer me nor allow me to speak with a supervisor. The XXXX person told me that they had provided notification to me about placing the inquiries back on my report. Again, I asked for proof of this and they were unable to provide me with the details of how and when it was sent. The Transunion error affected everyone and now they are refusing to take ownership for their mistake. I respectfully request that all inquiries on my Transunion credit report are removed as they are in violation of FCRA Section 611 paragraph B ( II ).
My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different.