WillisBack/dataset-financial-user-claim huggingface dataset:
I agreed to a payment arrangement with XXXX to pay {$350.00} per month via automatic payment in XX/XX/XXXX. This arrangement was made regarding a charged off second mortgage from XXXX XXXX that XXXX had purchased and collected on. XXXX stated that the payments would reflect on all three credit reports, Experian, XXXX, and XXXX. I have sent multiple requests to XXXX, Experian, and XXXX to update the reporting of this account on the credit reports. I received multiple letters from XXXX that state the account was defaulted on in XX/XX/XXXX,  charged off in XX/XX/XXXX, and a monthly payment of {$350.00} has been paid on time in XXXX, XXXX, and XXXX of XX/XX/XXXX, and XXXX through XX/XX/XXXX. I submitted these letters to XXXX and Experian agencies for correction of my credit reports. I have received the same response from both Experian and XXXX of adding a comment to the report that consumer disputes and payment arrangements made on charged off accounts.There has not been any change to the closed dates and the payment grid still states that no payment has been received during these months. Please see the attached copy of how this account is being reported by XXXX and Experian. Experian lists all the above referenced months as FP which is translated to mean FAILED TO PAY and XXXX states no payment received. XXXX stated they would update and report the payments and have not reported these payments as was agreed. I feel that the collection practices XXXX used by stating the payment history would include the regular payments was unfair collection practices. Further, the credit reporting agencies XXXX and Experian are not taking steps to ensure accuracy on my report or responding to my disputes.
A timeshare loan account with XXXX ( XXXX ) XXXX, opened XXXX/XXXX/XXXX, was not reported as " Adverse '' by TransUnon in XXXX XXXX. As a matter of fact, it was reported as " Current ; paid as agreed. '' Without notice, this account began reporting as adverse in XXXX XXXX. A dispute was opened shortly there after with no change in the negative reporting.
I recently filed a dispute with Experian regarding inaccurate information that they are reporting in my credit file that they maintain under my social security number. 

On XXXX XXXX, XXXX, Experian refused to adise me as to how they " verified '' this information since I expressed that I did not consent to electronic verification by any means. I also included to them a letter from XXXX advising they had removed the inaccurate information as well from their file they maintain under my social security. I also included a letter from the court advising they do " not perform any activities with the credit bureaus ''. I have included these letters withh this complaint. 
Having such correspondence from the court and XXXX, how could this account be " verified and/or validated '' by Experian unless they sent someone directly to the courthouse? They are refusing to explain to me their method of verification, and still continue to report negative information in the credit file they maintain for me.
The collection account I am referring to is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX The problem is, is that I was never notified and according to the Fair Debt Collection Practices Act, 15 USC 169 2g Sec. 809 ( b ), I done owe this collection agency anything. The don't have an original application no Proof of this debt that they say I owe. They are continually moving the date back on all three of my credit reports, XXXX, XXXX, XXXX XXXX. If fact they are show two account on three of my credits reports. The first account number is XXXX XXXX for the amount XXXX the second account is XXXX for the amount of XXXX. They are an third party and they have Lack of Standing to pursue me on false accusations. I am harassed by them calling me all of the time. I request that these accounts be removed from my credit reports, ASAP after your investigation has been completed.
Contacted this company via phone and they transferred me to several different departments and stated that they could not locate me in there system. Asked each  one to send me a letter stating I do not have and account with them  and they refused stating that it was illegal. I informed them that it was illegal to put an account on my report that did not belong to me as well if they do not have any validation. This company has not send me anything in writing or email or via phone. All my information my name telephone number and email was given.
I received an intent to sue notification in the mail on a debt to an apartment complex from a company called Wakefield and Associates. 
I knew this debt was owed and attempted to pay it immediately upon moving out of the apartment complex. I was told repeatedly that they did not have a balance for me so I quit perusing it until I received this summons from Wakefield. I immediately called them to try to settle out of court and set up monthly payments. Apx 1 1/2 years later I called to try and settle the remainder of the balance and was informed that they had been applying my payments toward a separate debt that was more than 10 years old. I was then told that my balance on the original debt to the apartment complex had been inflated to over {$XXXX} from the original balance of just over {$1300.00} due to attorney 's fees and interest. I was unaware of the medical debt until 2 days ago when I learned they had been paying on that XXXX instead. I do n't know the debt laws very well but it seems that by attempting to pay the debt down, I should n't be sued. It also seems that the money I give a company for a specific debt should be used for that debt and not for whatever they feel like applying it towards.
ON XX/XX/2018 I CONTACTED EQUIFAX IN REGARDS TO FIVE FRAUDULENT ACCOUNTS THAT APPEAR ON MY CREDIT FILE. IN ACCORDANCE WITH SECTION 605B OF THE FCRA I WOULD LIKE TO HAVE THESE ITEMS BLOCK FROM MY CREDIT FILE.
I applied for a mortgage with Bank of America. After receiving the closing statements I noticed all of the closing estimates were considerably higher. I asked that they withdraw my application. Unbeknownst to me Bank of America ordered an appraisal on the property. I learned about it when my agent called me. they still continued to say that they did not. They billed my credit card for an appraisal that was useless to me. After I complained and spoke to the vice president They still refused to give me back my money. 
XXXXXXXXXXXX XXXX phone AVP Sales operations XXXX XXXX XXXX XXXX Fl. XXXX
I moved from XXXX to XXXX in XXXX of XXXX. This debt has n't been paid since XXXX. Charge off date was XXXX/XXXX/XXXX. A collection agency purchased this debt. A judgement was issued on XXXX/XXXX/XXXX. I was n't notified of a hearing for this. I filed for bankruptcy in XXXX. The debt collector never responded to the court about requesting payment. On XXXX/XXXX/XXXX another collection agency purchased this judgement, this is the 3rd purchase of this old debt. They are now trying to collect this debt. This debt was given a chance to be part of my bankruptcy. I 'm now receiving only Social Security XXXX as my only source of income. I have no assets except for my XXXX, no cars, home ect. This credit card debt XXXX.How long can this be perused?
Today,  XXXX   XXXX ,   XXXX  I recei ved a letter fro m Transworld Systems.  At  XXXX , the same day I called them because I had no idea what they were charging me for. Supposedly I gave a check for the amount of {$320.00}  ( three hundred so mething, not quite sure of the amount ) and that check was used to pay an account on  XXXX . The check bounced. The problem is I do n't have an account on  XXXX , I 've never had. The collector, named  XXXX  said this was in  XXXX , six years ago and now they 're trying to collect {$720.00} for something that I did n't even buy. I asked if the check could be sent to me so I could see that is mine and that if it was I would pay the amount that it said on the check. The person said that was n't an option, that this was the government, the have my social security number, they have everything and they could do whatever they wanted. I told him " then tell them to kill me because I do n't have that amount of money and for an account that I do n't even have ''. They offered me to make payments. Again, I said no, it 's not fair to pay for something I do n't even know. I offered to pay in full the three hundredd something dollars, the person said no and even if I paid the {$720.00} he would not close my case and that the governement could do whatever they wanted.
For a Capital One Savings account, you apparently need to have a minimum of {$300.00} to avoid any " maintenance '' charges. I eventually noticed the charge after two months, brought up my balance to {$300.00} in the middle of the month ( XXXX/XXXX/15 ), and was subsequently charged another {$5.00} on XXXX/XXXX/15. Based on my chat session on XXXX/XXXX/15, the representative said I would need to have {$300.00} each day ; so apparently I can not offset this and save myself from the {$5.00} fee because I can not go back in time to XXXX XXXX to bring the account back up to {$300.00}. 
So I will have been charged {$20.00} for an account that will have earned me about XXXX cents in interest over the same time period.
A woman by the name of " XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my family members and even my new employer ( a 3rd party which she discovered online ) which has NEVER been released to her or any other debt collector. She has been seeking info from my family as well as co-workers, requesting my information/location, verifying where I am working, how she can find me, and even has my co-workers relaying messages to me in order to call her back.. She has also been telling my co-workers that I do n't answer my phone or reply to voice messages which makes me look bad to my employer and puts my job in GREAT jeopardy. One of the numbers she has been calling from is XXXX. IT NEEDS TO STOP!
I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX XXXX in the balance of {$570.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
I was applying for a VA Home Loan when the Equifax reporting agency pulled up information that was not related to accounts I had.
Have written you folks before about the incompetence, uncaring, and indifference of Bank of America and the charade they refer to as " customer service ''. Been trying to arrange a short sale of property financed by BOA in Virginia for the past several months. At one time, actually had a bonafide offer. Our loan # is XXXX. 
The most recent agent assigned our tentative sale is XXXX XXXX, XXXX, ext. XXXX. She sent us a ltr regarding same on XXXX XXXX, XX/XX/XXXX Attempts to contact her have failed. Prior to her supposed assignment, we were told to call or contact : XXXX XXXX, XXXX ( ext. XXXX ) ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; etc., etc., etc. 
Needless to say I have left msgs when possible at the above phone numbers. Our realtor, XXXX XXXX has had similar luck. I have even tried actually walking into a BOA branch office and speaking with a gentleman dressed in a coat and tie and seated at a desk to ask his help. I was told ( albeit politely ) " he knew nothing about mortgages ''. 
If I 'm not mistaken, in XXXX when the real estate market crashed badly in a number of states ( including XXXX where we had recently purchased a home ), BOA was XXXX of the institutions that received federal financial help and assistance. ( My wife and I did n't receive any such help and truthfully, did n't expect any. ) XXXX. At present, we 're not sure if said " short sale '' offer still exists. We do know our realtor is trying hard. We 've never had an offer before in over five years. XXXX would think when and if such an offer surfaced that BOA would take aggressive and immediate action to close the deal. But, now we 're in the XXXX century and everything is different. Glad I 'm old. 
So, I 'll continue to try and make phone calls to BOA and sadly continue to make mortgage payments.
The final bill for XXXX was paid directly to them, not a collect agency yet they continue to report to the credit bureaus as if I did. My final bill never reached me since I moved once my mail was routed properly, I was able to pay the bill as soon as I received it. The collection never even contacted me to begin with, they just showed up on my reports. That is not what the law states and they are breaking it.
InXX/XX/XXXXwe took out a XXXX loan from than XXXX, we were at the time strapped for money, having XXXX kids in college we needed some extra cash. I took the loan out not thinking about the interest rate for which we were charged. Ten years later I was still paying on the loan, I finally achieved my goal and paid the loan off 13 years later, only to discover I borrowed XXXX but paid back XXXX dollars ... I was paying 35 % interest for this loan..I know I should of known better but like I said we needed the cash, I am writing to you only to see if there are others you can help in this situation, I have paid my loan off but if I had known of the interest or your organization I would of gotten my loan reduced and not had to pay double what I borrowed. The company now is call OneMain financial. There is another situation we got ourselves into regarding Student Loan debt with our middle and youngest daughters. The middle daughter took out loans from XXXX XXXX, and they ended up charging her double the interest also, now we are having to pay her debt with her help of course but it came to over 140,000.00 dollars. I refinanced the XXXX XXXX loan with the XXXX XXXX XXXX XXXX in XXXX at a much lower interest rate but I am still paying on that high loan. I am XXXX and my husband is XXXX. He works two jobs and I work full time at a Utilites company making an ok wage. We have some retirement, not much but with these student loans we will never be able to retire. My youngest daughter has her loan with XXXX XXXX XXXX XXXX also, and with a much lower interest rate we are helping her out also. I know there is not much you can do to help us but I thought I would just share my story. Seen about agency on XXXX XXXX this morning. thank you for reading this and listening. 
XXXX XXXX XXXX North Dakota.
In XX/XX/XXXX I started a messy divorce at the time my mortgage company was XXXX XXXX. I called and asked that the extend my mortgage so I could afford to pay it without my spouse, they said NO. I didn't even ask for any discounts or forgiveness. I bought my house high {$360000.00} now worth XXXX with now forgiveness offered. I was in the middle of a short sale when my soon to be ex-husband claimed bankruptcy. Cancelling my short sale. I let the house go because no one would help me. I decided later that I was going to fight harder. I moved back into my home that sat vacant for 3 years. My mortgage was sold 3 times at least. I started this process with many services, XXXX XXXX XXXX ( one of the rudest companies ever ) and XXXX XXXX. Once we were close to modifying my mortgage was sold again. Now with Ditech, I had to wait a very long time to start a modification. I did all the leg work. I sent in all my papers in XX/XX/XXXX. My modification trial started, I made all my payments ( which I feel should be less, currently @ {$2500.00} ). They did say they were slightly behind and instead of 3 mos it could take 5 or so. Now here we are XX/XX/XXXX I am still without modification papers, all payments made. I call there teams, its like speaking to a new employee ever time. Their loss mitigation dept does not speak to their foreclosure dept. Also in XX/XX/XXXX, the foreclosure dept sent my attorney Modification papers saying I neglected to sign them and if I didn't do it immediately the deal was off. I signed and forwarded and then called loss mitigation and said you never sent me papers and they stated the attorney should have never recieved those documents and they were invalid. I called this am, XX/XX/XXXX, I was now told they finally received the title chain they needed and were working on my papers ... ... Which may take 30 more days. I stated this is now unacceptable. These mortgage companies hold people hostage, make you feel like you are an irresponsible person ( which I am not ) and as if I am some how the only person to be held accountable. This system is outrageous, WHO PROTECTS ME????????? 
I have a book with dates and calls and there were so many I stopped writing them all down, I have papers and papers I have worked on, at what point does someone protect me and people like me. I am not looking for a free ride, I have work hard my whole life and just want this process laid to rest. I am disgusted the government has not done more to help those responsible people who just had an unfortunate situation. I should be protected from this process, am I?????? 
If you need all my documents tell me where to mail it, its way too much to attach here.
Called and threatened jail time for a payday loan I never had. Explained to them I have not worked since XX/XX/XXXX. I 'm XXXX. Told me I took out a loan in XX/XX/XXXX. I asked them to send verification in the mail. Told me they ca n't. They hung up on me and told me good luck, you will need it. Then they called my XXXX year old mother in law and threatened her. I have not taken out any loans at all. They have all my private information as well. I have also recently had XXXX of my credit cards hacked and used as well as someone trying to steal income tax return. I received a letter from the IRS warning me of hackers. Please help.
Our remittance of US {$170000.00} from XXXX dated XX/XX/2018 still not received by Beneficiary. The Fund remitted from XXXX To XXXX XXXX - via USA.

But HSBC USA holds the fund from more then a month without any intimation to us. Pls find herewith attached SWIFT copy of remittance for your reference & follow up.
A derogatory report is shown on my report. I filed a dispute through XXXX and received notice of investigation 's results. Transworld System Inc. verified this account as mine and that result is completely false. Transworld represents XXXX rent a car which asserts I opened an account on XX/XX/2016 and owe {$510.00}
Hello, I have a credit card account with Navy Federal Credit Union opened around 2012. I believe in the last few months I been receiving collection letters considering this account. I was SURPRISED because this account ALWAYS been paid on time never late. I reach out to Navy Federal and they stated that they did not have any information on me in their system. I give another representative my access number and he contacted his manager and they stated that my access number does exist. But this negative information is reporting on my credit reports. Can someone please help me in this matter it feels like I 'm going in circles.
THERE ARE  XXXX  ACCOUNTS  FROM THE SAME FINANCIAL INSTITUTE THAT ARE 10 AND 11 YEARS OLD THEY NEED TO BE REMOVERED NOT JUST SAY CLOSED THERE IS STILL DERAGATO RY REMARKS ON THERE INFORMATION ABOUT ME
I was sent a letter on XXXX XXXX, XXXX ; from Patenaude & Felix , A.P.C., XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ; stating I owe : {$6000.00} from XXXX XXXX XXXX, XXXX. ; account # : XXXX XXXX XXXX XXXX. I will first state ; the last payment made on this account was XXXX XXXX, XXXX, the account was Charged Off on XXXX/XXXX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XXXX XXXX, XXXX removed it : XXXX XXXX. 

XXXX XXXX, XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XXXX XXXX, XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can XXXX get a judgement on me in XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XXXX and in XXXX XXXX. 

I responded to their first letter on : XXXX XXXX, XXXX ; stating the 7-year diary has came and gone in XXXX XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XXXX XXXX, XXXX ; showing a default judgement for XXXX XXXX, XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, XXXX charged off this account. XXXX removed this account in XXXX XXXX. XXXX and XXXX removed it in XXXX XXXX. 

XXXX Credit report dated on : XXXX/XXXX/XXXX is stating and showing ; XXXX " Charged Off '' and " Closed '' this account on : XXXX XXXX, XXXX. Getting a Judgement on me in XXXX XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.
On XX/XX/XXXX, when paying my credit card online I accidentally added a XXXX, paying {$30000.00} rather than the intended {$3000.00}. This was in excess by about {$24000.00} to what I owed and twice my credit limit on the card. I called Bank of America to request a refund on XX/XX/XXXX. They said they would issue a refund within 6-7 days. No refund was issued in that time. On XX/XX/XXXX I called Bank of America again and was assured that the refund of {$27000.00} ( the over payment amount ) would be made by XX/XX/XXXX at the absolute latest. No refund was issued. I called again on XX/XX/XXXX. I was told the refund was not being processed because Bank of America wanted proof from me that the money was taken out of my account ( i.e., they wanted me to provide a bank statement before they would process a refund ). Bank of America made no efforts to contact me in this time with this request for verification and simply did nothing until I called third time and insisted that some thing be done. I was made to fax in my bank account statement to prove that the money was sent to Bank of America and that I was not refunded. I have now been told the request for a refund will be expedited and refund will be issued in 24-48 hours, but they also said it might be 6-7 days.