WillisBack/dataset-financial-user-claim huggingface dataset:
Puget Sound Collections ( PSC ) is attempting to collect a debt that is invalid and previously paid. I have offered on numerous occasions to settle this alleged debt despite previously believing and now knowing that the balance had been previously paid. PSC has reported this alleged debt to the credit reporting agencies and caused me economic harm. Attached is a letter from them, a letter from the original creditor, a letter I sent them explaining how this has been paid and supporting bank statements. PSC has engaged in a pattern of deceptive behavior when I have attempted to ask them for validation of the debt they have sent me a multitude of conflicting account numbers and inaccurate service dates. I believe that they have not attempted to validate any of the debts as they are legally obligated to do so. Further, they have previously regened on promises to myself to remove this from my credit report, another practice that seems to be happening repeatedly. I believe they are engaging in a pattern of abusive practices as evidenced from complaints at the better business bureau. 

PSC has also previously offered to settle this matter with me for full payment and agreed to remove it from my credit report while on the phone with XXXX. She additionally stated they would send me a letter to the same effect and never did. When I called in subsequent to that they have told me that " its against office policy '' to remove entries from people 's credit reports. This same kind of behavior and worse is easily found on the XXXX for this business. This company is an example of the worst behaviors of debt collection agencies.
I XXXX  XXXX XXXX XXXX XXXX SAW YEARS AGO THAT SOMEBODY MADE/OPENED A C4EDIT CARD WITHOUT MY PERMISSION. TO MAKE TBHIS SHORT I S3NT A NORTERIZED, REHISTETED. AND MY LAW FIRM GAVE ME SECTION 609 AND 625 OF THE FAIR CTEDOT REPORTING AGENCY WHICH GOVES THEM 30 DAYS TO PROVE I SOGNED FOR CARD, WAS AWAIR OF CATD AND CHARGES MADE WITH MY SIGNATURE BIT ION ONE MONTH THEY TELEASED XXXX CASH TO A THIEF. THEY TRICKED ME AFYER GETTING BACK FROM XXXX XXXX PROGRAM WETE I WAS DURINHG THOS WHOLE SOTUATOON WHICH I S3NT TJEM PROOF. I SENT THEM DATES I WAS XXXX AND POLICE REPORTS AND CONYRACY OF SECYOON 609 AND 625 OF FCTA THAT GAVE THEM 30 DAYS. I GAVE THEM 3 MONTHS NOW WITH REGISTERED MAIL RECIEPTS AND NOTETIZED LETTETS. I ALSO SENT TO EACH CREDUT AGENCY BUT THEY PREFER ME TO HAVE TO PAY LAWYET TO SUE AND WHEN FOUND THEY WETE WRONG THEY COULD DELAY FOR YEARS. MY RETAINET WITH XXXX XXXX XXXX HAS XXXX DOLLAR RETAINET BUT THOS IS 4 YEARS IBTO THIS AND 7SAA HAS BROKEN LAW. MY LAWYER TOLD ME THAT WITH ALL THE INFO. FROM FCRA AND SECTION 609 AND 625 WERE NOT MET, O DO N'T NEED LAWYER. YHESE GUYS ARE SO AGAINST WAR HEROS IT MAKES ME SICK HOW THEY SAY THEY WORK FOR OUR 1 % OF AMERICA. I WAS IN XXXX, IN, XXXX AND XXXX. ALL WITH HONORABLE DISCHARGES AND HAVE DOD IS THAT BASOCALLY SAYS I AM IN MILITARY TILL DAY I XXXX  BECAUSE OF XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX THAT XXXX  TOP XXXX. THIS COMPANY IS NOT BEING A LEGAL BANK. AFTER 30 DAYS OF MY REWUEST THEY SHOULD HAVE TAKEN OFF C5 EDIRT REPORY AND APOLOGIZED. I EVEN SRNT THEN LETTER FROM XXXX IF THEY CAN BREAK THE LAW AND MAKE ME KOOSE EVERYTHING I WORKED FOR BECAUSE THEY ARE HARD HEADRD COMPANY THAT ALLREADY WROTE THOS THEFT OFF. THEY SAY THEY TALKED TO ME DURING THIS CASH WITHDRAW WHEN IN LICKED DOWN XXXX XXXX PROGRAM US JUST FUNNY AND DAD. THEY NEED TO DO WHAT FEDETAL PAW SAUS WITH ALL THE REGISTETED, NOTTERIZED, POLICE RSPORY AND LETYETS SHOWING I WAS IN XXXX PROHRAM. TJIS AS FRAUD AND THEY ALREADY WROTE OFF ON TAXES BUT STILL GIVING ME RTROUBLE. IF I TAKE MY LIFE SAVINGS AND THEY LOOSE AND HOLD MY MONEY FOR DIFFETENT WAYS THEY CAN HOLD MY CADH FOR YEARS UP9N YEARS. I WILL BLOW. ALL THEY NEED TO DO IS KNOW I SENT THEM 609 AND 625 MONTHS, AGO 3 TOMES AND TJEY JUST LAUFGJED AT ME BECAUSE 9F GRAMMAR FROM XXXX XXXX. THIS WAS FRAUD AND THEY ARE NOW BTEAKING FEDERAL LAW. I HOPE I DO N'T VECOME HOMELESD BECAUSE OF THIS BIG COMPANIES DONALD TRUMP SAYS WE ATE MAKING BILLIPNS FOR. I MEAN HIS XXXX SPEECH SAYING VETS AND MILITARY ARE MAKING BANKING INDUSTRY UNTOUCHABLE. WELL HE WAS N'T XXXX IN XXXX AND XXXX AND IN AND XXXX. ALL I WO N'T IS XXXX XXXX XXXX TO GO BY FEDERAL LA3 AND TAKE THIS OFF C4RDIT JUST BECAUSE 9F 609 AND 625 I SENT. 

GOD BLESS AMERICA AND IF I BECOME HOMELESS OVER C4EDIT F4AUD AND IT IS THIS BIG BANK? WOW.
I am writing to request assistance with Navient. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score.

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately.

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
A company that goes b y AFNI w ith the telephone number :  XXXX . They called twice - once on  XXXX   XXXX  at  XXXX   XXXX  and again on  XXXX   XXXX  at  XXXX    XXXX   .  They did not leave a message either time but when I got home I saw that they called. The first time, I called the number back not having any idea who they were. They said they were a debt collection company and asked to speak to me. I said they were calling the wrong number and I asked them to not call me again. Then again today I come home from work and see that they called again. I called them back but they were not open. How many times do I need to tell them to stop calling me?
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET Opened Date XX/XX/2009 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
They told me they couldnt access my account because of a creditor & I have nothing on my report! Just call back and see if you can access it then!
I had disputed XXXX accounts in which one was an inquiry and the other was an account. This request was completed on XXXX XXXX, 2017 in which all of my hard inquiries were removed ( XXXX accounts including the one I was disputing ). I noticed however, XXXX hard inquiries were reinserted back onto my account without any written or literally ANY notification to myself. The only reason I discovered the change was because of I monitor my credit through XXXX XXXX and seen a severe XXXX point drop in my score. 

I reached out on XXXX XXXX, 2017 to TU and spoke with a rep name XXXX to explain the reason for my call and was immediately told I would need to purchase a TU credit report for {$9.00}. I explained again the reason for my call ( the deletion and reinsertion of the inquiries and the score drop ) in which he first admitted a system glitch had occured. When I questioned why I would be obligated to purchasing their TU credit report for a mistake they caused, he became defensive and claimed he never said there had been a glitch and directed me to contact the companies individually to dispute each inquiry. This was very heartbreaking and insulting. 

I requested his supervisor and was transferred to a woman who stated the glitch was being investigated and to check again in a week. I informed her the most recent credit activity I was looking at had been over a week since their glitch, with no changes to my credit score. She then informed me that I would need to purchase a TU credit report to see their findings in which I requested her superior. I began to lose faith in TU after this continued byt knew I had to stand for what was right. 

I was then informed I would be transferred to her supervisor in the US. The last rep I spoke with informed me that the deletion and reinsertion should not impact my score significantly and that I further investigate. Feeling as though I had struck a brick wall with each rep, I gave up and decided to reach out to you for help. 

If TU would have owned up to their glitch and provided me with written notification of what happened, I would have understood but to first admit it, then insult me by stating I was never told there was a glitch and try redirecting me to other parties while attempting to strong arm me into purchasing a credit report for a mistake that they made -- is UNHEARD OF and downright belittling.
ACCOUNT FOR XXXX XXXX HAS BEEN FULLY PAID AND CLOSED SINCE XXXX 2014.
I've had a XXXX XXXX XXXX visa Chase credit card for the past, 1,1/2year i've been paying it in good standing time never been late on it. On, XXXX18 i wanted, to pay some of my balance off on the card, like i, have been paying fine for the past year an half, i come to find out that my account has been cancelled, I never received, a phone call nor a E-mail, nor any type of communication by mail telling me why my account had been cancelled. When i, called Chase credit card, the fraud department. advice me, that the creditors had sent them an alert saying that my account was fraudulent because, of the address that chase reported, to them, just be advised, that i've had this card for over a year an half and, never had a problem like this. I, called all creditors like XXXX, XXXX, and XXXX, well when i, spoke to XXXX they advice me due to the fact, that chase reported, an old address that i had over 10 years ago, they send an alert to them, and thats what made a fraudulent alert. XXXX, has also told me that they where going to mark it as an error. In order to get my card back from Chase credit they needed, to run my credit again, and i think thats not right since i, had my credit card in perfect standing position with Chase, by Chase running my credit again, that would bring my score down, and i don't think that's right for them to do this. Till this date i haven't received, any information about my account. They also have my correct address ever since i, opened this account, another thing they want to do is to cancel my milage i, have earn since i, had this account.
Hi, I just opened an account with bank of america about one month ago. I had my first direct deposit come in two weeks ago. My second one just posted yesterday XX/XX/2016. I went to use my debit card and it said unauthorized usage. I called in to check and they said my account was in the process of being closed. Without any notice or anything. I had no money to pay bills or provide for my kids because I was looking forward to my money. They told me my money would be on hold until the account is closed. I do not see how can they hold my money and I 'm showing a balance of XXXX.
It 's been told to me as I understand it that XXXX XXXX Institutions are requiredfor consumer concerns that within institution must be posted acknowledgement and/orrecognition of Office of Consumer Currency [ OCC ] and/or provide contact # Consumer Compliance Division ... nor FCPB ... .neither of which is provided. When asked for in XXXX XXXX, XXXX XXXX Senior Premier Banker, Vice President, Regional expressed no such ideaof any such agency that I was describing but offering outlandish excuses about myconcerns.
On XX/XX/XXXX I filed for removal of my PMI because I have met all terms required ( no missed payments, reached 80 % of my LTV, value of house did not decrease ). I was turned down because they said the value of the house decreased according to the AVM. However, it did not decrease : - Sale Value : $ XXXX - Original Appraisal at time of Sale : $ XXXX - Current Appraisal Value : $ XXXX They stated that the value decreased from the original value because the appraisal value went from $ XXXX to $ XXXX. However, the original value is defined as 'the lesser of the sales price of the secured property, as reflected in the purchase contract, or the appraised value at the time of loan consummation '. So the value actually increased from $ XXXX to $ XXXX. This definition is very clearly defined in the Homeowner 's Protection Act and by Citizens Bank. 

I sent 2 letters and called numerous times with no response to my messages. I finally got through to a manager who said they would look into it but that 'their investors define the original value differently '.
I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports  until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies. 

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EQUIFAX IN XXXX BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.
I called American Medical Collection Agency  ( AMCA )  to dispute the amount they were reporting to the credit bureau {$140.00} and the female agent verified all my information and disconnected the call. I received a bill for the amount of {$250.00} but reported {$140.00}. The bill shows  XXXX  separate dates of service over a period of two years (  XXXX  ) added together. This debt is in violation of my rights because I was not sent a bill with the appropriate amount. Taking and adding bills from separate past dates together is a violation. I want my this removed from my credit. I want to receive an accurate bill with the amount that I owe.
XXXX addresses are not mine : Address : XXXX XXXX XXXX, NY XXXXXXXXAddress identification number : XXXXType of Residence : Single familyGeographical Code : XXXXXXXXThe above address was where my ex-wife ran away with the man she had an affair with after our divorce. 

XXXX XXXX XXXX XXXX, XXXX, FL XXXX, is my employment business address, not a single family home
Carrington Mortgage Services did not follow thru on the HAMP modification that was applied for thru XXXX XXXX. They stated that the 3 month trial period would be as long as 10 months because they were too busy to look at it from acquiring too many loans from XXXX XXXX XXXX. XXXX XXXX XXXX approved a trial HAMP for three month sold the loan to Carrington Mortgage Service before the first payment was received. A good bye letter was received but no welcome letter ever came. Every month required a phone call to Carrington to make the trial modification payments which were XXXX more than the regular monthly payment. Numerous calls to Carrington with poor or inaccurate information have occurred. Carrington ultimately denied the modification due to liens they stated were attached to the property. The liens are not attached to the property and Carrington did not provide accurate information on the phone. Carrington will not apply over 6 months of full payment to the outstanding balance and have cause a determent to credit scores and ability to get out of this situation. Carrington did not try to obtain clear title just stated there was not a clear title. HAMP guidelines require the lender to do everything reasonable and necessary to obtain clear title to approve a HAMP modification. This did not occur.
My federal student loan was through Nelnet. I have since paid it off, but during the course of the loan, they almost never mailed me a bill, even after I sent numerous Certified Letters and phone calls requesting them to send the statements/reminders - that I had no problem with the payments, but needed the statements. I even submitted a complaint to the XXXX which also fell on deaf ears. As such, I frequently missed payments that were not a problem for me to make financially, but caused major harm to my credit. My resolution was finally to just pay the whole balance ( not easy for my family but it was necessary ) so that I could cut ties with Nelnet. I believe this is their primary job : to properly bill their debtors and help them pay off their loans in a manner which keeps all sides satisfied. It should have been easily resolved by Nelnet but now it will be my ongoing problem for the next 7 years on my credit report, attempts to purchase a house, etc.
I got a student loan when I went to XXXX College in XXXX. The loan company was Genesis Lending Services and it was for a little over {$3000.00}. I ended up dropping out of the school due to it not being the right fit. I started paying off the loan in XXXX XXXX. I have had nothing but problems from this company. First they charged me late fees every month, and I had to call to make the problem corrected, then I applied for a line of credit through my previous bank and I did n't get it due to lack of credit history, which is okay but they told me my student loan was not reporting to my score or anything. So I called the company in XXXX XXXX and they said it takes a while, give it a couple more months and it will be on there. Well I gave up and decided to wait. I recently called XXXX XXXX and they STILL are not reporting. They said it 's a flaw with the specific loan I have, and they are working on fixing it. But it has been almost 2 years, and I should have been fixed by now. Them not reporting is messing with my credit and making my score not what it should be. They also mentioned my loan is being taken over by another company, and when I asked if I would be getting notified about this, she said only if I called and asked for a pamphlet or a letter. This transfer is something I should know about long before it happens. The loan transfer is happening XXXX XXXX, and I heard about it less than a month before it happens. This company is shady. I would like the student loan I 've been paying on for almost 2 year to be on my credit report so my score will go up and I can start life without having to have a consigner on everything!
Credit Management LP, XXXX XXXX XXXX, XXXX Tx XXXX, furnished derogatory information which does not belong to me to XXXX. This information is now included in my credit file and damaging my credit score On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report included the following information, furnished by Credit Management LP : Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classifications : Cable/Cellular Original Creditor : XXXX XXXX Account Owner : Individual Account Original Amount Owed : {$210.00} Date of 1st Delinquency XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owed : {$210.00} Last Payment Date : Status Date : XX/XX/XXXX Status : D-Unpaid That information does not belong to me. It belongs to my son XXXX XXXX XXXX XXXX. This account was initiated while he resided in XXXX Ga. I have never lived in XXXX and this is not my account. I had previously spoken with XXXX and Credit Management upon receiving a collection notice at my residence in reference to this account. They assured me that the account would be annotated correctly to reflect my son. I am disappointed to find this information is now in my credit file and damaging my credit. There is no way a mistake of this magnitude should happen. This account should be under my sons SSAN.
I paid my daughters car off over 2 years ago. It was in my brothers name. He died XX/XX/2014. Then today they repossessed my car. She now does n't have a ride to college. My bank has the title. An they are sayin my bank did n't pay it off but they did.
I never signed anything for this debt, nor do I owe anything. also the statute of limitations on this debt are up, this company is fraudulently destroying my credit score. and the representative is being very rude to me,
I have been trying to modify my loan with the XXXX/Nationstar for the past 4 years. I have attended 3 mediations where they have participated in bad faith. They have never proved ownership of the note. The note was securitized into a trust then sold as certificates to investors with NO RECOURSE. XXXX has recorded an assignment in my county recorders office that they are acting on behalf of their investors. They are a Trustee and only a trustee, they do not have any beneficial ownership rights to my property and since the investors have no recourse they should not be allowed to foreclose on my home. Since the 3 failed attempts at mediation I have filed a petition for judicial review. The judge ordered us back into a 4th mediation. Four years ago I tried to negotiate a principal reduction with the help of the TARP funds. Nationstar is a participant of the TARP funds however never offered me any help or assistance with not losing my home. From day 1 it was their sole attempt to foreclose for the cash funds. I wish I would have let them get the {$60000.00} my home was worth then compared to the {$180000.00} it is worth now along with my arrears now of {$43000.00}. I have basically maintained the home for their benefit. I am sick to death of their extreme unprofessional behavior as well as no care or concern of helping me through this situation that has drug on for 4 years now.
Yes I was charged XXXX for a purchase with rv parts and I filed a dispute with my bank on my own secured credit card and they still have not issued my credit I prepared the case for them and gave them 7 emails so that they could win under the fair credit billing act
The federal Fair Credit Reporting Act ( the " FCRA '' ) section 604 outlines permissible purposes of consumer reports. On that outline it is very specific as to what qualifies. Go threw ALL of it and you will notice that it is NOT APPLICABLE to those Hard inquiries. These inquires are not from Collection agencies, Employers, Government Licensing, Insurance companies, National security, or from creditor that I have existing accounts at the time of the inquiries, ect .... I have attached all of Section 604 as proof. Continuing to not follow CRA guidelines after these complaints have been made is willful noncompliance which is outlined Section 616 and 617 and there are legal consequences as outlined. And those legal consequences will be followed threw if willful noncompliance continues. In addition if I must I will send all of these transcripts to Senator XXXX office.