WillisBack/dataset-financial-user-claim huggingface dataset:
I was just made aware that my XXXX/good credit score took a dramatic drop because XXXX XXXX XXXX incorrectly reported that I owe a payday loan of {$840.00} to all XXXX agencies. I have NEVER taken a payday loan with MRS or the companies they represent and have never taken out a loan in the 12 years I 've been here. I 've disputed this with all XXXX agencies, filed a XXXX compliant and am now doing this with you. After researching Midwest Recovery Systems, hundreds of other people have complained about the exact same thing. This was illegally and mistakenly added to my report and I want it removed on all XXXX reporting agencies.
Recently, I received a notice from Certegy that XXXX was reporting negative information to them on my behalf. XXXX is a creditor listed in my Chapter XXXX Bankruptcy which was filed on XXXX XXXX, 2017. The bankruptcy was discharged on XXXX XXXX, 2017.
On    XXXX   XXXX   , 2017   XXXX   XXXX   XXXX   in  XXXX  GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further.
I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit.
I would like the dealer 's credit practices reviewed for compliance to FCRA.
Some of the information on my credit report is not mine credit inquiries XXXX XXXX XXXX is false and also there 's a credit for auto loan I do n't even have a car Someone is using my information none of the identification answers where mines help me please
On multiple attempts dating back to XXXX of 2017 I have disputed an unverified account with National Credit Systems , Inc with client account number XXXX and XXXX account number XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called into National Credit Systems , Inc. and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she gave a completely different name and an address of XXXX XXXX XXXX XXXX in XXXX, GA that I have never lived or been associated with. At that time the rep advised I dispute again with the credit bureau and stated that the account should not be reported on my credit bureau report. Well, on or around XX/XX/17 I received a letter from National Credit Systems , Inc addressed to XXXX XXXX ( not now or ever known by that name ) requesting I complete a Fraud Packet with that name. I declined to complete the form because the name associated with the account is n't mine and I was advised the packet needed to be completed by XXXX whom I do not know. After advising this information to the manager when I called in I was told thats what needed to be done for them to move forward with an investigation. As we all know, this means that National Credit Systems , Inc. have NOT verified or can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law. I demand the following account be verified or deleted immediately. As mentioned earlier, the name is incorrect, the social they have provided to the the credit bureaus does not belong to me ( which has caused and alias by the name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX with a social ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have only been issued one social and it does not end with either numbers mentioned and I have not been associated with any name mentioned.
They called me claiming that I owed an insane amount of money for a toll I supposedly took from two years ago. This is absolutely the first time I have heard of anything at all. They said it was my fault that I did not know I was being charged and that I never got a bill. Since this was the FIRST notice of any bill at all, I offered to pay the original bill which was {$3.00}, but they said I owed over {$77.00} because I was sent to collections without my knowledge. I will not be bullied into paying this.
I am in the process of refinancing my home loan. The previous lender sold my loan to XXXX XXXX. I have requested a " net escrow '' payoff from my new mortgage lender since XXXX XXXX, 2015. There have been several requests since then. I have called in and also faxed in a request several times, with no success. They keep sending me a regular payoff. I had {$2400.00} in my escrow account that was to be deducted from the payoff balance. They keep saying they have processed the request. Two weeks ago they sent out a payoff only showing a balance of {$1100.00} and the property taxes are n't due until next month. Last week I requested documentation that shows what happened to that money and have received no explanation. This delay has caused me to lose my rate lock and now rates have gone up, which is now costing me thousands of dollars in back end interest.
I called Capital One Credit card today and attempted to re open a dispute against XXXX XXXX XXXX XXXX for {$500.00}. I submitted additional information requested however it was rejected.The representative told me that Master Card would not accept the documents submitted. I submitted a second opinion, detailed explanation of why the charges was fraudulent and quoted North Carolina regulations. If the merchant committed fraud either by misrepresentation or illegal deception as in this case I should not be bound to pay. Master Card has not provided a detailed explanation why it refused my documentation.I would also like Master Card to provide the regulation it based it decision and provided the person name who made the decision and department.
Am not working full time! Have a part time job only work XXXX hours a week! So iam not making enough money.
I had an account several years ago with Chase. I recently tried to open an account with them and said that I was " blacklisted '' they will not give me any reasons as to why I can not have an account with there financial institution. They stated I was sent these reasons years ago. I was sent no such letter. I think this is discrimination. I want to know why. I have done nothing wrong.
I reporting reporting illegal actions by my mortgage company or service center ( Seterus ). Today is the XX/XX/2015 i paid my mortgage on XX/XX/2015 .My comfirmation # XXXX. My loan number is XXXX. I went to my property on XX/XX/2015 which was a thursday and saw my lawn was cut. I check with my gardener and he admitted that he was coming tomorrow to cut the grass and edge. The problem is that i am not XXXX late or nor am i in foreclosure. My mortgage is current and thought i was late on my paymentit was still done within the month it was due. This does not necessate ( Seterus ) to dictate and have people come on my property and due grass cutting or anything of that nature. The property is not abandon it is under renovation. There is current activity in and out of the building due to repairs an renovation activity. There is no reason for them tpo send someone to my property to grass my grass. I have a gardener to come twice a week to take care of that job. They have no right to do this without justification .The house and its maintance is being care for by me .They have done this before and try to bill me for the service. The point is the grass was not that high to were it did n't show someone was tending to the lawn care and general needs of the property. They need to be notify to cease and desist activity .If they come with applying this to my mortgage this would not be fair and a violation my home owner rights. I appeal to you for assistance to this matter, because i do n't think they do such antics to a home owner that is keeping up with he mortgage payments. Also a reminder to house is not in foreclosure are behind in the mortgage. Will you be able to help stop them doing such activity.
I pulled a copy of my  XXXX  credit report and learned that  Alliance One sl ammed my credit report  XXXX  different times for the same  XXXX  account. I called them to ascertain what this was about because they have never contacted me, or given me an opportunity to dispute this debt. I was told by the representative that those  XXXX  different accounts actually posting in my credit profile were invoices from the same  XXXX  account. How nefarious can you be? That is like reporting each invoice for a delinquent  XXXX  account. They know better! In addition to that, I do not have any recollection of this debt. They have never attempted to contact me prior to reporting those  XXXX  invoices to my credit profile. I have never been treated by the reporting medical facility. I am insured with   XXXX  . Any medical bills should have been reported to them. This is a serious violation of my rights because this collection agency knowingly slammed my credit report with  XXXX  different entries for  XXXX  account, according to their representative. This was a hideous attempt to hold my  credit score hostage t o collect on a debt. I am requesting that they are severely sanctioned because it is no telling how many other American citizens that have treated the same. When I spoke to  Alliance One, I  adamantly denied responsibility for this debt, and I requested that they not further report this in my credit file. At the time, they were only reporting to  XXXX .  Imagine my surprise w hen I learned that now  XXXX  and  XXXX  have the same manner of reporting in my credit file. This was after they were told to remove it from my   XXXX    profile. Please instruct them to remove this derogatory and erroneous information from all  XXXX  of my credit reports. Furthermore, discipline this collection agency and remove their ability to do business in this industry. Thank you!
While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by XXXX XXXX XXXX. Thereafter, I personally contacted XXXX XXXX XXXX and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with XXXX XXXX XXXX. I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, XXXX XXXX XXXX recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.
AD Astra Recovery service is on my credit report. I did a request for verification of a XXXX loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the Summer I did attempt to start business funding. My information was given to third parties. 

I did have phone contact with AD Astra Recovery. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX. 

I did receive an email from XXXX for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research XXXX. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX. 

I have read many complaints about Astria Recovery and XXXX. I ca n't find they are invested with each other. Astra Recovery Systems and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today. 

A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX SEM scheduling called my home. He did give out Recovery Service was going to my home to serve me. Who will be my lawyer in XXXX TX. 

I drew up a legal notice to AdAstria. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. AdAstria had no permission to contact or send any packages to my lawyer. 

My attorney called me XX/XX/XXXX and told me that AdAstria did get in contact with him to verify him as my lawyer. AdAstria had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.
On XX/XX/XXXX I paid off my loan down to a zero balance. I repeatedly asked the CS rep was this all I owed, she double checked and said yes. Since then, I've been going back and forth with the XXXX XXXX XXXX XXXX about my credit report. The listed on my report that I owed {$1.00}, when in fact, it is paid off. I disputed it with all 3 credit bureaus, who then reported that it was in fact paid off according to XXXX, who informed me of the same thing. The very next month, the XXXX went back and posted that I owed {$1.00}. I disputed it again, and again the changes it to a XXXX   balance, but refuses to mark the account as paid off. Instead they have the " current status '' as in collections. It needs to read paid as a current status. My next step is to hire an attorney if you can not correct this. Thank you.
Recently I made a payment to first progress to pay off my outstanding balance. The amount was debited from my account as an ACH check since that is the ONLY way that the take payments. Since the beginning of having the card they have been a total pain in the XXXX to get a pay to. I made the payment on XX/XX/XXXX of this month, and no credit was available to me even though they received the money from my bank and my balance was XXXX. I called them on XX/XX/XXXX in regards to this and they informed me it would take up to 15 days for me to have the credit available, Irate I closed the account and demanded the deposit back, and they told me it would take up to nine weeks to get my deposit back. This is completely unacceptable. they got the deposit for the card in a timely manner they should return it in a timely manner, and 7-9 weeks is ridiculous.
This collection is showing on my credit file.I have no knowledge of this account.it says that i am a joint owner and it is paid.Have tried several times to remove it.It is illegal to report in accurate information on my credit file.I am buying a house and they will not remove from file.If it is not removed ASAP i will seek legal recourse for damages
Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX : XXXX/XXXX/16 XXXX : XXXX/XXXX/16, XXXX/XXXX/16 XXXX : XXXX/XXXX/16, XXXX/XXXX/16
I was experiencing financial hardship two years ago, due to being unable to secure employment, when I tried explaining this over the phone several times to the Agency ( PEAKS ), they kept threatening my credit and telling me I had to pay it in full, or they would send it to collections. Since I was n't employed at the time ( with no Government assistance, Unemployment, or assistance from family ), I could n't make the payments, and they sent my debt to collections. To this day, I 've been trying to work with them, but every time we set something up, they destroy my credit as if I have n't made any payments at all. On top of this, every time I have called, they keep requesting I pay it in full which is impossible, due to my current situation. I 've requested the recordings of the calls a few years ago, but they will not assist me any further aside from destroying my credit. Now I 'm currently unable to secure any sort of funding for anything. ( car, house, etc ) but yet have to pay {$14000.00}. I was unable to repay my loan, decrease my monthly payments at the time, or any sort of assistance from them.
I owed debts to XXXX for XXXX hospital. I paid allied the money owed and they said I do not owe them any mony, my acct. is paid in full but trans union still will not take XXXX of them off my record " they removed XXXX " but not both They say they will keep the one on until 2018 even though it is paid
Seven months after moving out of my previous home, XXXX XXXX XXXX XXXX XXXX sent a bill for {$370.00} to a collections agency. No attempt had been made to inform me of the debt in the intervening 7 months. XXXX XXXX XXXX had my home phone number, work number, bank account information ( with permission to withdraw ), new address, and e-mail address. Yet they sent the account to collections without ever informing me that there was a balance due. 
The collections agency threatened to take further legal action, including negative credit scores and lawsuits, if I did not pay immediately. The collections agency had no information about the debt. XXXX & XXXX had no information or explanation of the debt, other than " you owe this. '' No one could explain why no previous effort had been made to collect the debt.
Mr. Cooper sold my mortgage ... AGAIN ... 

XXXX XXXX was original ... all have been terrible ... re sales I would like to know what law permits it ... and who the author of it was ... so I can bark them out ... 

Thanks ...
SKIP TRACING, SEVERAL LAWSUITS, COLLECTORS IN VIOLATION OF TCPA, FDCPA ETC..
XXXX and Experian say I must mail in sensitive documents before I can get my credit report. Deed, Social security card, copy of drivers license etc. XXXX had errors in education and employer, and locked me out when trying to update for my " protection ''.
XXXX XXXX XXXX keeps calling me after I have asked them to stop. They are informing me that they will dispute everything listed on my credit file and since most companies do not respond to their emails in time, it will remove all debt all hard inquiries from my account. I need to have someone assist me into this because consumers are able to dispute items on their credit report. If there is some information that is not available to the public I would love to know because it would assist me in getting a higher credit score.
Hello I have a Fraud alert on my credit report and it was pulled by   XXXX   XXXX  . I NEVER authorized   XXXX   XXXX   to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.
Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.
My complaint is with a company named American First Finance. A few years ago, I had car repairs done XXXX. I financed the repairs through American First Finance. My vehicle was never fixed, I made a couple of payments to this finance company while I tried to work out the issues of my vehicle. After having to continuously take my vehicle to this shop for numerous issues I decided to take it to another repair shop. I was informed by a different shop that I needed the same repairs that I had been told I had repaired at XXXX. Needless to say XXXX, didn't care that I had receipts from another shop showing they DID NOT MAKE ANY REPAIRS TO MY VEHICLE. None the less I reached out to American First years ago and no one ever investigated my claim. All they did was continue to send me bills. They closed the account in XX/XX/2015 and reported to the credit bureau that I made 2 payments and now the account is closed. Just recently, they keep reporting to the credit bureau that I have missed payments or late payments. They also have changed the amount I owe. I have not received any letters from this creditor stating the amount I owe or why the amount I owe went from XXXX listed XX/XX/2015 on my credit report and then from every month and year after that {$1800.00} so now its saying I owe {$2600.00} ( again ) I have not received any info from this company in regards to what I owe in over 3 years. And when you call them no one will send you anything in writing.
We did a re-finance on our home mortgage with Bank of America since they held the original mortgage we felt it would be easier than going elsewhere. A woman, XXXX XXXX, in the closing department asked for our information as to when our mortgage payment was withdrawn from our XXXX XXXX checking account ( date of month ). We told her it was withdrawn on the XXXX  of the month. To interject ... there are no escrow monies involved since we do our escrows on our own. XXXX stated that there was enough time to notify the proper department not to withdraw our XX/XX/XXXX, 2019 mortgage payment since they would have the mortgage paid off before the due date. Our closing was XX/XX/, 2019. To our shock on XX/XX/, 2019 the old mortgage payment was withdrawn by Bank of America. We called the bank to have this fixed and spoke to a woman named XXXX and she issued request number XXXX. She told us that they were going to 'reverse the mortgage money by wire '. We waited the 48 hours as she instructed us to and then contacted the bank again.We spoke to a woman named XXXX on the XXXX and she told us that we would not be getting the money wired back. In fact, we would be getting a check in a few weeks. We told her this was unacceptable and she got us so upset that we waited until the next day to calm down to call back. We spoke to a gentleman named XXXX and he gave us a request number of XXXX. He told us the money would be in our checking account on Monday, XX/XX/XXXX. Since the money never showed up on the XXXX we contacted the bank again and spoke to a woman named XXXX. She stated that the only information she had was that we were not getting the check anytime soon. We then requested a manager or  supervisor. Eventually a man named XXXX XXXX got on the phone and again we had to explain this whole situation. He said he would get the check expedited that day. Needless to say this did not happen. We need to let you know that during this whole time we were in constant contact with the closing department practically begging for help and the people involved just kept either being rude, ignoring us, and turning the situation around to us. We left voice messages for supervisors and their supervisors and nobody contacted us back. Ms. XXXX even stated to us that she told us to have the money stopped being removed from the bank account. This never happened! How would we do that since the new mortgage monies were coming out of that account? If you do record your conversations, as is implied during phone calls, then someone will hear her asking us for the information so she could handle this. The people that we constantly contact were XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of them did anything to help. 
As of this moment we have not received our money.l We are in need of the {$710.00} to pay our bills. We are senior citizens on a fixed income. This is a horrible position to put us in. We need not to be late to pay the bills and do not want to ruin our credit scores that are over 800.