WillisBack/dataset-financial-user-claim huggingface dataset:
Ad Astra Recover Services has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent two certified letters dated XX/XX/2018 and XX/XX/2018 requesting verification that the alleged debt is mine, including any documents bearing my signature agreeing to this alleged debt. Ad Astra Recovery Services. has responded to the letter from XX/XX/2018 with a printout of an itemized document ; however, they have not responded at all to my second letter request for signature validation of alleged debt dated XX/XX/2018 which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature or a second response ; however, they are still reporting inaccurate information and have not reported the account as disputed on my credit reports. I am very serious about my credit and their inaccurate reporting has caused damage to my credit, my ability to get credit and my reputation. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt that this account be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
Hi. I have contacted Equifax, XXXX and XXXX several times asking them to update my address to XXXX  XXXX XXXX XXXX # XXXX XXXX, Florida XXXX because all other addresses that are listed are incorrect. They are all still showing incorrect information on my credit reports.
Dates starting the day XXXX assumed all 4 loans on XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX all monthly payments were not applied towards all four accounts specifically when I paid online. Loan servicers did not handle payments and process borrowers ' instructions in a that facilitates successful repayment, minimizes costs to me, and ensuring consistency. Payments initiated on XXXX online platform should be accuraltely credited as of the date I initiated the payments. As I stated from XX/XX/XXXX to XXXX, the four multiple loans have different principal balance and are listed as one group account.therfore on my monthly statements I should see a breakdown of each of the loans outlined showing principal balances, payment, principal, interest, and ending balances of what I specifically paid toward each loans including all overpayments. I specifically instructed those idiots on XX/XX/XXXX that every month there 's an overpayment on all specific four loans, and it to be applied towards the outstanding principal balances each month. I expected those incompetent idiots XXXX servicers to post payments correctly. Since the loans that have the same FIXED interest rate ( 6.8 % ) and the same subsidized and unsubsidized status, each excess amount should be allocated in the proportion to their monthly payment amount and the overpayment as instructed specifically to applied to the principal balances each month. XXXX, has been changing all four outstanding principal balances, monthly payments, and interest each month. My monthly payments are fixed therefore the only thing that changes is the decrease in principal balances and decrease daily accrued interest. All loans have been paid on time each month until XXXX SERVICERS started making adjustments to all loans by removing payments from going as far back to XX/XX/XXXX up to this date. I always made monthly payments on all four loans. Attachment and other documents will be attached and along with the correct balances after XX/XX/XXXX payment. I instructed XXXX  SERVICERS to change my expected payoff date to XX/XX/XXXX once XX/XX/XXXX payment of {$460.00} is posted correctly to all four loans. That was not done at all.
In XX/XX/2018, I called to set up service with XXXX. When they did not show up for appointment, I called and cancelled their service and set up service with XXXX XXXX XXXX instead. ( XXXX also lied about the speed and price they could offer for internet ) I was told account was cancelled and I owed nothing because they never came out to the home. In XXXX, I received 2 bills stating I owed money to XXXX. I called on both of those bills and was told account was closed and I owed nothing and to ignore the bill. 

In XXXX I received another bill from XXXX for {$51.00}. I called again, spoke to XXXX in billing and was told they forgot to cancel account but they would take care of it and we owed nothing. I was given this case # XXXX. 

Since XXXX, I have NOT received a single bill from XXXX or from their collection agency. I thought everything was fine until I see on XXXX XXXX that XXXX has sent the account to collections and they say that we owe them {$51.00} again. This is ridiculous! 

We have contacted them 3 times and was told every time that they closed our account and nothing was owed to them. We NEVER received services from them! We cancelled the account before it ever started.
I haven't received the {$200.00} sign up reward as advertised below by Valley National Bank after meeting all the direct deposit requirements. 

XXXX XXXX  XXXX
On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late 2016. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.
This ordeal began in XX/XX/XXXX when we had our daughter. We fell in love with a pediatrician with XXXX XXXX XXXX in XXXX Washington. We ended up moving our other XXXX children over to her care also. Unfortunately, that pediatrician ended up moving shortly after the birth of our daughter, so we were in limbo for a few weeks until new doctors joined the establishment. Rather than switch offices entirely, we were patiently waiting with high hopes that we would find a replacement that would fit our needs just as the previous doctor did. We never settled with a primary doctor but instead bounced around between a few different providers with no real preference or opportunity to have a preference. Things became increasingly confusing when we switched insurances and at one point became double covered for an extended period of time. 
I was n't sure how the double coverage would affect our co-pay and deductibles so I would frequently ask the receptionist how our bill was going to change or if it would change. No one could really provide any definite answers. After receiving a collection notice in the mail, I called and asked to speak with the billing department. This happened on many occasions with no real resolution. I would continually leave messages with no return phone call. We eventually received a letter excusing us from the practice. We gladly obliged. 
Not only had XXXX basin excused us from their practice, but they also sent us to multiple different collection agencies. I received another notice in the mail asking to respond to a court date. I responded to the notice, not realizing XXXX other collection agencies were also proceeding with court judgments at similar time frames. This became overwhelming to say the least. Because I did n't understand that multiple agencies were contacting us, I only responded to XXXX of the XXXX, allowing the others to seek and receive a judgement in their favor. 
This billing issue has ruined our credit, caused significant amounts of XXXX, and yet continues to haunt us today. 
My husbands check has been garnished multiple times for this by multiple different collection agencies ... each claiming the SAME debt is owed. 
We are at our wits end and in desperate need of help to finally be done with this horrid ordeal once and for all. I 've lost my motivation to fight this unfair and saddening injustice.
Caci has been calling me, sent me a bill, and also put a collection on my credit report. All of this after I told them on the phone the debt was paid in full to the original creditor. I also called the original creditor to verify again this was paid in full. I was told yes and that they had already told Caci this was paid and to stop collection. Caci has not stopped and has put a collection on my credit. When I called Caci and spoke to XXXX, no one could tell me why it was put on my credit. And I would get an email in 3 days saying it was paid. I still do not understand why this put on my credit when it was paid in full.
I on XX/XX/2018 have sent Equifax a certified mail asking for verification of an account that I suspect is fraudulent. 
under the FIR CREDIT REPORTING ACT UNDER SECTION 611, Notice of Results of Reinvestigation ( A ) In general. A consumer  reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;
I have received a communication from north shore agency indicating that I owe money for a magazine subscription renewal. Last year my daughter gave me a subscription as a gift. I have never ordered or renewed this subscription. Acct # XXXX
Lost my job coming out of college in 2012, so obviously couldn't make many payments on my already predatory loans ( 15.25 %, 11.5 %, 7.25 % ). Asked Sallie Mae if I could refinance or lower monthly payments, they declined abruptly. Said I could go into forbearance to stop payments altogether, but interest would continue to grow. At those interest rates, non-payments would increase the amount of time I would have to make payments significantly.

I entered Forbearance and continues to make as much repayment as I could, but eventually had to go to XXXX  and utilize some of my parents ' assets in order to get a lump sum loan in order to pay off these higher interest loans ( at this point, they were around $ 30k at 15 % when the initial loan amount was somewhere around $ 10k-12K ).

If it weren't for my parents to put assets up for me to get a loan, I would be drowning in student loan debt right now. Not everyone is as lucky as I am, and it saddens me to see a promise of a better life via education be taken advantage of by these greedy companies who pose as someone out there to help.
I received a collection letter from SKO Brenner American , Inc. stating that I owed {$700.00}. In their letter, they did not identify who they were attempting to collect for nor did they identify any product or service that was supposedly rendered. I do not have any outstanding debt from anyone, so this is either a scam or mistaken identity. Since SKO Brenner American did not identify a vendor or product/service, this appears to be a scam.
Experian had a massive data breach due to its negligence that included all of my personal information. In the aftermath, I signed up for credit reporting and credit freezes. I did not think in doing so that I had agreed that Experian could start charging me for these services ( and none of the other credit reporting agencies have charged me even though they were n't the ones that were at fault ) but a {$24.00} charge from Experian appeared on my last credit card statement. I tried to call Experian several times to get this straightened out but keep getting recordings that say the wait will be " more than 45 minutes ''. I want them to stop charging me and refund what I 've already paid - I do n't even know what Experian is billing me for since I thought they had agreed to provide free services for people who had been affected by the breach. I think Experian is engaging in fraudulent conduct by charging people for credit monitoring services are only needed because Experian did n't do its job.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$280.00} XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Americollect continuously harasses me with collection letters after they accepted to bill and be paid by the US Federal Veterans Medical Program for emergency services I received at a non-VA facility. Per US Federal Law any entity willing and accepting VA Medical payment does so in full and can not bill the veteran any balance or even attempt to contact the veteran and doing so is in violation of the contractual agreement and the law. Not only have I been harassed with phone calls and letters but Americollect refuses to follow the contact and law and has placed numerous balances that I am not to be billed on my credit.
I continue to get a recorded message that presents themselves as a 3rd party collector on behalf of XXXX. They harass me by calling multiple times in one day play a recording and then hangs up. I blocked the number but they seem to be able to bypass my block and continue to call. the number is XXXX
Asked the credit bureau to remove account that was not mine and was told the account was verified. Spoke with the collection agency and was informed the account was requested to be removed but it has not.
On XXXX XXXX,2017 I put 2 stop payments on two ACH debits per instructions of Citizens Bank of XXXX NH ( that is by phone ), with specific instructions that the companies might try to change the date, amount, and check number in order to wheedle them through my account. One was not paid and the other was. It was, because it came in a day earlier and with a different amount, but 2 days after the stop payment was put through. At the time I made the stop payments I was clear about this might happening, It was recorded so by the bank gentleman I spoke to. I received copies of the stop payment notices with incorrect information on them. additionally I was charged {$70.00} for the 2 stop payments. Because this was over the XX/XX/XXXX holiday and I was away, I kept sending email messages on my phone through their mobile banking to inform them of the errors. I received a letter saying I should not use email for these complaints. But time was of the essence. I now have {$1.00} in my account until I get paid at the end of the month. Plus I am unable to pay any other bills.
This debit has been wrote off my credit going on 6 years then out of the blue they contact a family member giving him account information and personal data ... this individual family member has no idea what they are talking about nor is this matter even a concern of his I feel like they have violated my privacy act not to give out any personal info to an outside party ... I believe they have broke the law
The collection was reported to Experian without my knowledge or receiving a verification letter. They are in violation of my FCRA rights. The original debt was paid in 2014.
XXXX a fradualant company called XXXX XXXX XXXX manged BY XXXX XXXX claims to have rights to a heloc loan Residential capital that went bankrupt in XX/XX/XXXX, residential capital servicing rights were bought buy Ocwen filed a false notice of default, his investor XXXX claims to have bought the property at a trustee sale, and XXXX XXXX assigns the property to XXXX BEFORE THE SALE, this was a XXXX lien and we were current with first lien and was in the property for XXXX years, when we landed in a unlawful detainer court stating we are now tenants and XXXX is our landlord he never shows up in court and the court violated our rights of due process because the judge went against his bench guide XXXX because this was about title and not about rents and they should of never been able to take our house under false pretenses and criminal intent. XXXX has never paid off my first lien they just rented my house out for a year and now it is just sitting empty. On XXXX XXXX XXXX ASSIGNED THE GRANT DEED TO XXXX XXXX another fraudulent company of XXXX XXXX stating there exempt for any transfer fees? The house XXXX XXXX XXXX XXXX ca XXXX was upside for years but once it got back up this vulchers came out of the wood work getting the new secretary of stale XXXX in place all in XX/XX/XXXX and all our each others agents/ mangers all from XXXX XXXX XXXX fraud scam they have no proof of this debt because I ask for validation of claims and they could n't produce any, also they have a fraudulent trustee in place XXXX XXXX XXXX has no rights as a false trustee to give our house away and claim XXXX in debt charge off claim. XXXX IS A CRIMINAL HE ALSO GOES UNDER XXXX AND XXXX, SO HE WONT HAVE A XXXX XXXX, also XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX ARE ALL PART OF THIS SCAM THERE INVESTORS FOR THE MORTGAGE RIMICS, AND SEVICING POOLS, SCAMMERS.
I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX , XXXX Acc # XXXX *XXXX XXXX XXXX Acc # XXXX
Creditor XXXX XXXX XXXX has acknowledged in writing ( attached ) that their accounts were reported to my credit file due to an " inadvertent internal error '' and should have been removed. 

Further ; the creditor acknowledged that they never received a payment from me on this account.
We are in default of our mortgage.   OCWEN has mishandled most of the correspondence.   I filed a Ch  XXXX  in   XXXX   to stop the foreclosure which was scheduled for   XXXX   XXXX   XXXX  .   OWCEN via   XXXX   XXXX   filed for relief and the judge granted it in  XXXX .   Since then the information that I receive from  OCWEN is conf using & very often conflicts from what they had said in a prior phone call.   Also, I received a letter on   XXXX   XXXX   XXXX   " IMPORTANT INFORMATION ABOUT YOUR CONDITIONAL DEED IN LIEU OF FORECLOSURE APPROVAL ''.   I received a call from  OCWEN on    XXXX   XXXX   - they said that there were liens on the property and asked me to get a pen to write them down.   I said no - that I needed it in writing and that it seemed to me that this would be the legal protocol.   Then they recited my email address - incorrectly - I had updated this 4 times in the past yet they still have the incorrec t one. I now  question what email communications that I   have missed that may have prevented a foreclosure.
When the judge granted relief to OCWEN they asked t  hat my attorney provide authorization & permission to directly speak with me which was faxed to them on the day of their request.   Mos  t timea that I call they claim that they do not have the authorization document & when I insist that they DO I get put on hold for up to 30 minutes while they check for it - and they always come back and apologize for the inconvenience saying that I do have this authorization.
OCWEN called m  e on Monday,   XXXX   XXXX   and left a voice mail.   I called them back today, Wednesday,   XXXX   XXXX   and my " relationship manager '',  XXXX   XXXX   XXXX , said that she could not speak to me - did not have this authorization from my attorney - looked for it while I was on hold - and came back to say there is no such authorization & to call my attorney.   I am completely frustrated because o f OCWEN inab ility to maintain up to date information and generally manage the D.I.L. application status for this mortgage.    OCWEN has h ad me in the dark for months now.
In XXXX of 2017 I complained to the big 3 reporting agencies that my balance was shown too high for a prolonged time thus lowering my score. They deleted the card from my file [ not at all what I wanted ]. XXXX and XXXX XXXX began reporting again and reinserted accurate information. Equifax never did. XXXX XXXX  assures me they report as required monthly. I have enclosed a letter from their XXXX XXXX XXXX who phoned Equifax with me yesterday in an effort to have them report my card. We left frustrated once again that they have not corrected the error. In their response to you to close my initial complaint they lied and stated XXXX XXXX is not reporting on my file. To illustrate their incompetence further about 6 weeks ago my knee was bothering me and I had my sister do some grocery shopping for me. To make it easier for her I added her to my card so she would not have to use her own funds. The incompetent Equifax is now showing my card on her credit file but still not mine. I have filed disputes with them on-line, over the phone, in writing via U.S. mail  and thru the CFPB but nothing works. On-line I can not see the remarks since they block me from access since they do not recognize me. I am frustrated beyond belief that they continue this error despite my sending copies of my statements and payment history. I have just been turned down for a refinance on my home due to their low score which dropped over 100 points since according to them I have no credit hjistory. IN truth I have excellent credit history never late, balance always paid in full early before even being billed.