WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I received a collection notice from Credit Protection Association L.P. stating that I owed to XXXX a " Service Balance '' and " Equipment '' fee totaling {$280.00}. The notice further stated : " Due to my your lack of response to our previous communication, your account will be reported to the credit bureaus after XXXX/XXXX/16. '' This is the FIRST such communication I have received ; there were no " previous communications ''. Furthermore, I have been making regular automatic payments to Wave and have the documents showing that I am up to date in paying for the services and for the equipment. When I contacted XXXX to inform them of the situation I was told that they would " investigate '' the issue. I also contacted Credit Protection Ass'n L.P. and spoke to " XXXX '' who assured me that the collection activities would be put " on hold '' pending a response from XXXX. I have heard nothing from any of these parties since then. I am XXXX XXXX XXXX, in poor health, and caring for my wife who is currently recovering from a XXXX ; I do not need this aggravation. Please look inbto this for me. Thank you.
Ad Astra reporting false information/unauthorized. Not aware of this debt I have reached out to them several times about this debt. Sends out a letter stating to be proof of debt with NO SIGNATURE! Then I recovered that they are a collection agency who brought this account from someone. Also NO credit bureau contacted me as I do have a fraud alert set on my credit reports. I would like taken if my credit report they CAN NOT validate.
Wrong address on my Equifax credit report. This was from a collections agency who took an incorrect collections off my credit report, but left the address on the credit report. I have tried multiple times to contact the collections agency to resolve this but can not get an associate to pick up the phone. The wrong address in question is : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
On or about XXXX XXXX, a representative called me about a charge of XXXX on my account. Captiial One suspected fraud ; this was true. Capital One told me that they would remove the amount from my credit card.Capital One did remove the charge. I wrote them XXXX letters, and they said they would remove the charge. Despite the fact that they said they would remove the charge they are still billing for {$26.00}. I wrote them another letter. They replied to me that they did not understand the nature of the dispute. I can not get through to these people. I have cancelled the card, and I need them to stop billing me.
I opened an account with  XXXX   XXXX   XXXX  in  XXXX   XXXX   XXXX   XXXX  charged-off and sold this account to  XXXX   XXXX   XXXX   XXXX . The  XXXX   XXXX   XXXX  account is still reporting on my credit file with all credit reporting bureaus.  XXXX   XXXX   XXXX  is not reporting that once the account was sold to  XXXX   XXXX   XXXX , it was settled and paid off. Also,  XXXX   XXXX   XXXX  is not reporting how long this account will be reported to the credit bureaus. In otherwords, the portion of the accoount listing that says " On record until '' is missing for this  XXXX   XXXX   XXXX  account with Experian,  XXXX , and  XXXX .   XXXX  I wrote  XXXX   XXXX   XXXX  in  XXXX   XXXX  but have not received a response.
Since XXXX of this year I have been trying to get the bank to make a correction in my credit report for an account reported incorrectly. I had a personal loan that had a balance of about {$1800.00} in XXXX of 2013 and it was about 30 days past due. I contacted the bank and indicated that I could pay the amount in full if an adjustment was made to the interest rate already paid and a waiver was granted for the accumulated late charges. After several phone conversations, the bank agreed to let me pay off the account with a discount. The amount of discount was {$570.00} which consisted primarily of late charges. The loan was paid off in XXXX of 2013. In XXXX of 2013 the bank reported the debt as charged off to the credit bureaus. The account was 30 days past due at the time the bank agreed to a discount, but reported the account as 120 days past due and for that reason was charged off. The account never reached 120 days past due to justify being charged off as the report to the credit bureau indicates with the charged off code. Subsequently, the account was sold to an investor. The investor sent me a collection letter, however, after I explained the situation the investor verified the information with the bank, and they proceeded immediately to delete the information in the credit report and sent me a letter indicating that I have no debts with them ; however, the bank refuses to do the same and continues to report incorrectly an account they do not own anymore. I have disputed the information in the credit bureaus, but when the credit bureaus contact the bank, the bank indicates the information is correct and takes no action. The bank refuses to change the credit report despite several conversations and after two bank officers agreed with me that the account is incorrectly reported and promised to make the required changes. Also, the bank has not returned the cancelled promissory note despite several requests on my part. 
Please see attached letter which explains in details the problem. 
As resolution for this matter, I want the bank to delete completely the account from the credit bureau since their actions have caused considerable damage since I have been trying to obtain a loan for a house I have under contract for deed, and I have not been able to obtain a loan.
EQUIFAX IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME ON MY CREDIT REPORT AND I HAVE SUBMITTED MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY TO THEM SEVERAL TIMES AND THEY STILL HAVE NOT REMOVED THEM FROM MY CREDIT REPORT.
XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my XXXX income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. OnXX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.
XXXX XXXX XXXX contacted my employer today. I called them to see who they were and why. I spoke to a girl named XXXX who then transferred my call over to a male named XXXX. XXXX proceeded to tell me how if I dont pay they are going to contact the attorney general in my area and take legal action. I tried to explain to him that the debt was not mine. The dentist wrongfully billed for work never done. He started to scream at me on thue phone stating regardless if the work was done or not I still owed the money.
You've paid off -33 % of your collection amount. 
Balance {$4500.00} Highest Balance {$3400.00} Opened XX/XX/XXXX ( 4 yrs, 10 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You've paid off 0 % of your collection amount. 
Balance {$2900.00} Highest Balance {$2900.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Account status Open Type -- Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX   AKA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX You've paid off 0 % of your collection amount. 
Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of a signed lease etc, ( being that I know there is not one ). I am aware that as of XX/XX/XXXX all civil judgements should have been removed from credit reports in which these three have not. I am requesting these three be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX, and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to leave he creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgments. Eviction judgements such as forcible detainer and unlawful detainer judgements, are civil judgements, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
Financial Freedom LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A Complete Short Sale Package was submitted to Financial Freedom on XXXX/XXXX/16. 

XXXX XXXX is the assigned negotiator - XXXXXXXXXXXX. 

There is an upcoming foreclosure date on XXXX/XXXX/16. 

XXXX refuses to answer our emails or phone calls. 

We found out today that absolutely nothing has been done on the file at all. 

**We have an upcoming foreclosure date on XX/XX/2016XXXXWhat is going on??
Never received my sign up bonus for my First National Bank of Omaha Travel Elite card. 
Contacted company but never received the account bonus.
I got a bill that is not mine from XXXX for Paypal. I don't have a PayPal credit card so I should not have to pay {$980.00} under reference # XXXX
XXXX  has refused to fix the late paayment due to never recieving the paperwork not knowing i had a late payment when refinancing with  XXXX  and the company   XXXX    has failed to remove the hit on my credit even though i called and they said the hit to my credit would be removed and sent i the proper paperwork and they said they would remove the delinquent payments due to being sent and sending in the income based deferment an requiring to pay  XXXX  bucks a month when my income is   XXXX    and cant affrord to pay since i have no income due to being sick for over 9 months with the doctors still having no clue with what is wrong even though i called them.     also experian i sent in a dispute and they still havent fixed the issue and the problem ha yet to be reolved
I purchased a XXXX in XX/XX/XXXX at a monthly payment of {$500.00} due on the XXXX of each month. Due to a lay-off, I fell late with XXXX payment, but immediately brought the note current when I found another job about XXXX weeks later. As a result of being off for that length of time, I could no longer make the payments exactly on the due date, but make them every single month in full. The creditor MEI Finance/MEI Auto/Midpoint Auto ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has decided to consistently call me no less than XXXX - XXXX per day. They call my job, they call my relatives telling them they will repo my car if I do n't call them by a certain date and time, this is after I have requested they stop calling both my job, family, and friends, and to stop calling me more than once per day. 
Again, I make my payment in full every month, never going past XXXX days late, but because I can not pay exactly on the XXXX, and they have no " grace periods '' according to them, they begin with the daily/hourly incessant and constant phone harassment and threats, and I would like it to stop!
I got behind on my Navient private student loans and could not afford to make the payments. I tried to get a forbearance to become current on my loan and was told that I have exhausted all of my options. We then attempted to setup an income driven plan and we were told we make to much money to be eligible for this and we did not comply with the correct bank document for my husband. The loans went into default. I was called 5/6 a day and when it went to an account specialist, I was told that there was no way they could take payments. The counselor thru navient asked where I was when I was n't home which is absolutely none of his buisness. He wanted to know how I was going to buy XXXX presents. He insulted me as a person and how I could n't make payments. That i was dead wrong in my thinking and I needed to listen to the " grave '' consequences. All of which I tried to offer solutions with what little money I had left over in the month, but these payments were not an option. I finally hung up and got a manager even though they did not want to do this. She told me to ask family members to settle the account for XXXX! I do n't have family members that could do such a thing. I attempted to apply for the loans she suggested and was denied becuase my credit has been destroyed, she told me I could speak to my account manager with anything else though he was harrasing me and making me feel like I was a criminal though they wouldnt help me when I WANTED to come up with a solution..
Wells Fargo Mortgage gives you a grace period on your mortgage payments before the late fee is charged. However, if its not paid on the first they report it to all XXXX credit agencies as LATE, this is causing problems because I keep getting DENIED when I apply to refinance my current mortgage ... ... Can I bring legal actions??
My identity was stolen by someone and XXXX XXXXXXXX XXXX never contacted me to indicate that I owed a debt of any kind. I looked on my credit report and noticed a fraudulent account. I took the necessary steps but XXXX XXXX XXXX took the debt and they gave me the run around for an Affidavit which NEVER came to my house. They never indicated to me that they XXXX XXXX XXXX was very negligent in getting this issue resolved and they're using another party to collect this debt I do not owe. Thankfully, XXXXXXXX XXXX XXXXXXXX have sent the Affidavit and I am going through a painful process of getting this resolved.
I believe that this alleged debt us fraudulent, because according to the date in question I was insured through XXXX have been employed at XXXX for Aprox. 5 years. So as XXXX of these facts there is no way that I owe any hospital.
My wife opened a prepaid card for me with Capitol One. She accidentally gave them her social instead of mine. We gave them the opening deposit, an automatic payment from our account. When we went to use the card a few months later we found it had been closed, because of the social being wrong. They would not and have not returned the deposit money despite hours on the phone with them.
To Whom This May Concern : We are writing this letter in an attempt for some assistacne regarding payoff issues with CitiMortgage. 

We were in the process of renovating our property when a neighbor told me that someone was in my property. 
CitiMortgage had the men to come and break the door and damage it to change the locks on the property. The front door is damaged which can not be repaired. 

My grill that was on my upper deck was taken into the house which they also had broken. 

As they can see that the house was being renovated by looking at the outside and inside of property. 

We had put siding on the property and pulled up all of the carpet inside the property. 

We had requested a pay off in XXXX. Amount {$3200.00} Good through XXXX XXXX, XXXX. That deadline was not met. 

Next Pay Off was {$5400.00} in which they paid end of year property taxes which was not due until XXXX XXXX, XXXX. 

Pay Off letter 3 now show {$9000.00} good through XXXX XXXX, XXXX. 

How and why did it go up so much? 

Our principal balance on the property is {$2200.00} We have not came this close to lose our property. 

CitiMortgage is trying to do everything they can to take our property.
This company keeps calling me about a debt of someone else 's. I told them I am not that person several times and they keep telling me my number is off the list but I still receive a call almost everyday in which I answer with hello and they say nothing but hang up. The number that they are calling from is XXXX. Any help would be appreciated. 
XXXX
my refinance loan was denied because they said that I did n't make enough money, i made XXXX but they said they only would use XXXX
Since XXXX my family has been dealing with Capital One in regards to a payment that was made to a car dealership that OWNS a car. They have the title and they are listed as the OWNER of the car in questions. Capital One states that they can not take a verbal confirmation for the XXXX XXXX XXXX XXXX New Jersey stating that they dealer is the owner. Instead they state that they need something in writing. Rather than ASK the dealer for a copy of the TITLE, they are asking me, which by STATE law I can not get. 

This has been going on for months and capital one refused to ask the dealer who they have paid for the title. A simple phone call. 

As a result the dealer has ownership of the car and my money. As this while I am stuck without a car to take my XXXX month old baby to doctor appointments.
XXXX credit card. XXXX XXXX. Autopay bug. 

I had autopay for my monthly balance set up for the end of the month. I had a balance of {$9700.00} due. The autopay went through as planned. The next day they took out an additional {$9700.00}. A total of over $ XXXX. 

I then had overdraft on my other bills with it being the end of the month. I called to remedy this and they did not accept or tell me why there were XXXX payments only that I had called before. I had called before to confirm the balance amount only. 

XXXX, told me that it would take 10 days to return my money. I then asked to cancel the card and she told me that I would forfeit any benefit owed me for cash back offers. I then asked to speak with her supervisor but there was no one. She was the supervisor ... 

I was very kind and know she was not at fault personally, but this puts me without money at the end of the month, no overdraft remediation, my credit being impacted on my report, and a very long time on the phone.
On XXXX/XXXX/2015 I got a call from there fraud prevention they ask if I ok a certain transaction on my XXXX XXXX card I said no.They canceled my card. I called Susquehanna Back they gave me the # for the place that charged my card. At that time I was told the person I talked to told me she will order me another card. It would take 5-7 business days till i get it. Well on XX/XX/XXXX2015 the day before I was going to leave to go out of town I called the bank to find out my card was never ordered I hung up on them. After I cooled of for a little I called back and told the person I was leaving to go on vacation the next day she said OH MY and I said OH MY is right. I did n't want to carry cash with me she said to come into the bank to get travelers checks. I should not have to change my plans because they have incompetent employees. So I had to cancel my vacation ( fishing on the outer-banks with friends because of their screw up. I waited all year for this and was not going to have my friends hold money or checks for me. I want some kind of action from this bank I am out my deposit for the trip
I had a US Bank Educational Loan, in the amount of {$5000.00} ; of which I consolidated many years ago. I recently became aware of there being a remaining unpaid balance in the amount of {$230.00} that appears on my credit as a Charge Off. I contacted US Bank, attempting to resolve this matter. I explained to XXXX different representatives that this balance remaining was a result of a Consolidation error, and that US Bank never contacted me regarding this, but now that I am aware of this being on my Credit, I want to resolve, and I offered to pay the balance in full. However, I asked for them to remove/delete the negative reporting from my Credit Report, requesting that this no longer appeared as a Charge Off, if I was to pay the balance in full. US Bank Representatives told me that even if I were to pay the full balance, that they would not remove the negative reporting/Charge Off Status. It would just reflect a {$0.00} balance. Considering this was not an error on my part, but as a result of the Consolidation, I did not think this was a fair remedy. They told me to take my complaint to the Company that Consolidated for the error. I politely explained that another company would not be able to remedy the situation on behalf of US Bank, nor remedy my Credit Report. US Bank can easily see in their records that this was a Consolidation and paid off by another Lender, and that was never a balance I intended to ignore or not pay. I am offering to pay the balance in full, but I needed the account status updated to not reflect a Charge Off, and they are not willing to cooperate. In all actuality, this was not a Charge Off, because they are willing to still accept a payment there in their office, not another company. So it should not reflect Charge Off, if they still have the account with them, and are willing to accept a payment. Upon making the payment in full, US Bank should be willing to update as Paid/Closed account. I would like the CFPB to follow up on this matter, and the unfair Credit Reporting practices of US Bank.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they are required by law under Section 611 ( 5 ) ( A ) of the FCRA to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Dear Representative, I have tried to prove that the account has been paid and they continue collections.   There has been a payment authorized but I need time to go through this information.   There is a investigation being done and they have n't completed their due diligence to finish the investigation. Thank you.
This is a complaint of a general nature. Advertising on TV touts free credit reports and the link in the FTC websites citing free credit reports take a person to XXXX. In the end everything is provided with the exception of an individuals credit score. All XXXX credit agencies demand payment for this info. My question is of what value is a free credit report without this critical piece of information.
In XXXX of XXXX I received a pre-approved credit card from Salute credit company. I did not have credit and figure this would help build it. I used the card and withing a few months they closed the account. I paid on time and never went over my balance. It is now XXXX and I am still paying on it. I have paid almost XXXX what I owe. This card is a scam. My balance is not changing now. I believe they are charging me ridiculous fees that is causing my balance to stay they same but online I can not see these fees. They hide them from me. I can not even view my statements online. I have tried multiple times to contact the company but they have no phone number. I can only email them, which they never reply back. I do not want to pay on this card anymore but if I do not it will go on my credit. I need help contacting the company and getting the remaining balance canceled. I believe I owe them no more.