WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers.

I called Commonwealth XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
Commonwealth and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website XXXX XXXX XXXX which is very strange because in my last complaint they had another website XXXX XXXX XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. THis is Fraud. 
I'm pretty sure Commonwealth does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.
There is Debt Collection from XXXX XXXX XXXX XXXX for $ XXXX1that does not belong to me.
XXXX   XXXX  SS #  XXXX  DOB   XXXX   ADDRESS S   XXXX   XXXX   XXXX   XXXX    ,    XXXX   XXXX   , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX     XXXX     XXXX . Box  XXXX   XXXX , GA  XXXX    XXXX   XXXX      XXXX   XXXX   XXXX    XXXX , PA   XXXX   I recently pulled a copy of   my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX      XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  &   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX , FL  XXXX
I received a message on my answering machine this morning. I have no idea who the caller or her company is, or what she is calling about. In the message, which came from XXXX, the woman identified herself as XXXX from Atlantic Recovery Solutions. She claimed that she " received the documents for ( me ) to sign '' and that I should return her call as soon as possible, or else I would need to call a lawyer. Even more strange and disturbing to me is that I just heard from my XXXX mother, who lives several XXXX miles away, saying that SHE received a message. In my mother 's words, " There was a message left by a XXXX XXXX Atlantic Recovery Solutions for [ my name ] and a request to call her at XXXX XXXX XXXX. ''
Citibank is using past contact about fraudulent use to induce card members to fill out their survey. I almost filled out the survey because I thought the fraud warning required it. I was almost duped! This is deceptive!
I have received multiple invitations to apply for a credit card through AAA XXXX XXXX XXXX New York Visa Signature. The review was performed by Bank of America. I received a decline notification in the mail stating they were unable to approve my request because I had a current or past delinquency on my account ( XXXX ) with BOA or their affiliates. I was stunned and immediately pulled a free copy of my credit report from XXXX. XXXX was used by BOA to assess my credit worthiness. After pulling my report, my report confirmed NO POTENTIAL NEGATIVE and I had XXXX ACCOUNTS IN GOOD STANDING. I also reviewed every single account status on my XXXX page XXXX Credit Report which again confirmed for each account listed : PAID CLOSED NEVER LATE or OPEN NEVER LATE. I even assessed the payment history listed for each account on my report which again did n't show anything derogatory. I attached a copy of the decline notification I received from BOA along with my report summary from XXXX confirming " XXXX Potentially Negative ''. I am honestly insulted and concerned by BOA actions.
We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Here is how it went down. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00} credit {$110.00}
XXXX with a balance of XXXX with a balance of XXXX these accounts show on my credit report, company has been unwilling to answer requests for information on these debts and continually reports them as " verified '' to the credit reporting agencies. in effort to repair my credit, even though the balances are not mine nor do i know the accounts, i paid the amounts directly to PRA. The accounts were re-verified with the credit reporting agencies and still shows full balances on my credit report. i find this tactic a bit dishonest and want PRA to remove the items from my credit report immediately
I receive over 5 calls a day from various numbers that all go back to XXXX XXXX. They are now starting to call my place of employment multiple times a day. They have been asked to not call. They continue to call. When people to speak on the phone they are harassing and rude and scare me.
XXXX RUNS AD 'S ON XXXX TO USE AS A TOOL TO LURE CONSUMERS INTO SCAM AND FRAUD AND SEND TO LOCAL XXXX TO WHOM ENDORSE FRAUD AND SCAMMERS ALIKE!
Requested validation of XXXX XXXX debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile. 1st request sent certified mail XXXX/XXXX/17 ; response was " verified '' 2nd request sent certified mail XXXX/XXXX/17 ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile : * These items remain on my credit report in violation of Federal Law. * Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct. * These negative records are also listed on my report as duplicate records ( 2-4 times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years which is the law their policy is keep it credit report for ten years
Documents were sent to US Bank for a loss mitigation review of the Making Home Affordable Program on XXXX XXXX, 2016. These documents were followed up by a call on XXXX XXXX, 2016 to confirm complete and received. They advised that the only thing that would be needed to complete this package would be a financial worksheet. This document was faxed to them within an hour of the request on XXXX XXXX, 2016. When US Bank was contacted on XXXX XXXX to confirm that this was received, the representative did not even know that it had been added to the file and the document was not reviewed until the call was placed to them. Since there was a foreclosure sale of XX/XX/2016 it was imperative for these documents to be reviewed in the proper 5 day time frame. When a call was placed on XXXX XXXX, 2016 the foreclosure sale was still listed when they had a complete package on file since XXXX XXXX, 2016. They are violating dual tracking by foreclosing on the property when the file should be in loss mitigation review.
I had an auto loan in 2013 through a company. I paid the loan for two years, but also told the company that the dealer sold me a lemon. The truck didnt work anymore. I paid the loan down to about {$390.00} and I had a XXXX. The loan company stated that if I let them get the vehicle once its sold that should cover my balance owned. Now 5 years later a debt collector says I owe {$8900.00} for unpaid debt. I tried to explain, but they dont want hear it. I only paid {$12000.00} for the truck back then. They are scamming me and I cant do anything about it.
A Mortgage company, DHI, and my Mortgage Broker, XXXX XXXX, who is an AGENT for DHI MORTGAGE COMPANY, interfered with a contractual relationship I had with my builder, who sold me the new home, and my real estate agent and her broker, who agreed that I was to get a " CASH REBATE '' of {$2000.00}. The Mortgage Broker Company, DHI, and their agent, XXXX XXXX did the following : He informed me, 5 days, prior to my new home closing escrow, that DHI MORTGAGE CO. would n't fund my loan, as per XXXX Requirements, if I ( XXXX-buyer of new home ), were to receive my legally agreed upon CASH REBATE. The CASH REBATE FORM WAS LEGALLY SIGNED by the XXXX parties agreeing that I 'd get the {$2000.00} cash rebate. XXXX XXXX, mortgage and agent to DHI Mortgage CO. forced me under DURESS AND BY COERCION and by FRAUDULENT MISREPRESENTATION, to sign a VOID FORM, voiding my {$2000.00} CASH REBATE THAT I WAS LEGALLY ENTITLED TO RECEIVE. He also, " legally '' interfered with a CONTRACTUAL RELATIONSHIP I HAD with the Builder and Agent, who XXXX signed that CASH REBATE FORM, legally guaranteeing me that I WAS TO RECEIVE the {$2000.00} UPON CLOSING ESCROW. LASTLY, it is ILLEGAL to INTENTIONALLY LEAVE OUT SIGNED FORMS that are PART OF THE PAPERWORK, ESCROW, etc. The CASH REBATE FORM, guaranteeing my {$2000.00}, and the VOID form, which I was forced to sign, WERE INTENTIONALLY NOT INCLUDED IN THE FINAL ESCROW PAPERS. Even though DHI Mortgage and Their Agent, XXXX XXXX did n't sign the REBATE FORM, he did legally and INTENTIONALLY INTERFERE with me getting that CASH REBATE, by refusing to FUND MY MORTGAGE LOAN, 5 days, prior to closing. It takes a couple of months to submit papers, run credit checks, have them check my employer, etc. Nobody in their right mind would walk away from a new home after being approved and the loan ready to fund within a few days, and this is the only way the funding would occur, is if I would forfeit my {$2000.00}. It is n't as though I was working separately with a bank or separate Mortgage Co. Remember, the BUILDER OWES and operates DHI MORTGAGE COMPANY, so XXXX XXXX knew EVERYTHING THERE WAS regarding all paperwork, contracts legally signed, etc.
I contacted Experian and attempted to add my Consumer Statement. The representative acted as if he entered and then read back to me my Consumer Statement. It does not appear on my report. 
I attempted to provide accurate information regarding original loan amount, current loan amount and date of relationship with the Lender XXXX and other Lenders on this report. 
I was told they will only show what is sent to them from the Lender and not from me. 
I have had a relationship with XXXX for more then 20 years. 
XXXX has opened and then closed my account over the years as we had mutually agreed. 
Experian and the Lender have made statements that are false and misleading. 
XXXX assigned me a new Credit Card number and a line of credit for {$6000.00} at a repayment term of 18 months @ 0 % interest rate. 
However this information is not available to other lenders. 
The failure to report the facts of my loan agreement is missing and is designed to make me look like I am a high credit risk. 
This is done by limiting the information as it appears on my report. Instead of the true facts, it is reported that I am maxing out my available credit allowing Experian to create a scenario that is harmful and incorrect lowing my credit score by more then 100 points. 
This is what Experian is reporting to other Lenders who look at my Credit report.

Experian and the Lender together are failing to accept or mention the terms and conditions of my actual account. 
It is in reality a loan being reported as a revolving loan even though I have a different repayment agreement. The report makes me appear as if I am a credit risk when in fact I have excellent credit with XXXX. 
I have never been late in my repayment with XXXX or any creditor ever as my current Credit Report shows! 
However after opening the new account with XXXX it has become a derogatory account making me look like a very high credit risk. The same thing happened with my two XXXX Credit cards one for {$3000.00} and the other for {$12000.00}. All of these accounts have the same terms and conditions for repayment. The agreement is for 18 months at 0 %. 
I have proof that I wish to submit so that my report is correct and accurate. and was told that I could not provide them with this information and that they will not consider it at all.
I received a letter saying I owe a student loan and must send the amount to them.The letter used the XXXX XXXX XXXX XXXX. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter XXXX yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as XXXX dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for XXXX dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the XXXX $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again XXXX letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.
On Monday XX/XX/2019, I made a payment onto my Capitol one venture card through the mobile app. I attempted to pay the minimum payment of {$49.00}, but it went through as the entire balance of the card of {$4900.00}. On the morning of Tuesday XX/XX/2019 I was notified that my checking account was negative {$3300.00}. My balance before that was {$1500.00}. The difference was pulled out of my savings account to make there be sufficient funds for this payment. This payment was not supposed to happen. I am a student with no income and need this money to not only helps me pay for school, but for all my bills. I have talked to no less then five different people at Capitol one, including a manager, who all claim that there is no way for this payment to be reversed. All of the people I have talked to at Bank XXXX XXXX have stated that this claim is ridiculous. They have people make mistakes all the time through the bank and the payment just becomes reversed. XXXX has filed a claim for a charge back to Capitol one to attempt to get my money back. They will give me a credit for the amount I lost within 24 hours. The claim processing time takes around 45 days, but if Capitol one declines to pay back the funds, then the money from XXXX gets taken back, which basically means I can't spend any of it just in case they don't approve the charge back. I'm at a loss.
Equifax mishandled my information, which puts me ( along with about 143 million other US customers ) at risk. According to their website equifaxsecurity2017.com, I am listed as a potential victim of this breach, and I would like a resolution.
I wanted to refinance an existing ARM mortgage that was at 3.25 % and was to expire in late XXXX, with a new XXXX ARM at a lower rate. A company called Newfi finance offered a new XXXX ARM at 3.00 % in XXXX XXXX. My loan was less than 70 % loan to value. 
I provided every information they needed or asked for. They then requested that I pay for an appraisal to " lock in '' the rate. That appraisal cost me {$440.00}. I was assured that the loan was a go and was sent and E-signed all the the documents. Meanwhile the mortgage rates started to rise and suddenly the company rep was not returning my emails and phone calls. After a period of two months I finally called their corp headquarters and asked to speak with " some one in charge ''. At that time the gentleman informed me that there was a problem with verifying that I actually live at the residence since I use my business address as a mailing address on my utility bills ( I have used this address for over 25 yrs. It is safer for mail and identity theft as the mail is brought in to my business and handed to me 6 days a week ). I informed them that I can simply have the mailing address changed as I only get e-bills any more and did so right a way and sent them the information. I have never heard from them since, with the exception of a letter from a law firm claiming that I had not sent them the needed information. This firm has NEVER sent me a piece of mail. No " denial of credit '' or any other communication regarding my loan. They just hoped that I would go away. 
It is either discrimination ( I am an XXXX ) or greed as the mortgage rates ahd gone up. Either case is inexcusable.
Dynamic Recovery Solutions is attempting to recover a debt of {$790.00} that is not mine. I have never had a contract or account with them. 
Thy even state in their letter that they are not the original account holder and that it was XXXX XXXX XXXX XXXX XXXX. I'm not familiar with them either. 

If I have no written contract with Dynamic Recovery why are they trying to collect a debt from me for another company? I request validation of this account with original documents showing itemized charges. Not photocopies, but originals with wet ink signatures on it. 

I doubt that they can produce these documents. And if they do have them and they are not a licenced medical facility but a collection agency then that is a clear case of a HIPAA violation and possibly FDCPA violation.

I have sent a letter directly to Dynamic disputing these charges and account a week ago.
I continue to receive calls and letters from Sallie Mae / XXXX. I have made several attempts to speak with a representative to enroll in repayment plans. The representatives states that they do not offer income based repayment plans only short term forbearance payment plans. 

I have be ignored of my complaints, they have provided inaccurate information and offered only high cost repayment plan. 

My research of my loan compared to other student loans I received a subprime high interest rate and terms. 

My co-signer has made request to become released from the loan and has been ignored of her attempts. 

I am interested in the income based repayment plan. ( PAYE ).
I received a wage garnishment notice, but this was the first I had heard about it. The company had my wrong address the whole time. I contacted them to stop the garnishment and set up payments once I found out what was going on and they refused to work with me, even though they had the wrong address the whole time.
Nationstar and XXXX XXXX XXXX, both banks hired, XXXX, who has demonstrated a consistent pattern of conduct in which XXXX, unjustly and illegally enter into a foreclosed home before the mortgage foreclosure process is completed and burglarize the home stealing everything in the house. Since XXXX was hired by the banks, the banks should be liable for their conduct through vicarious liability. Of course, XXXX should also be held accountable for their illegal misconduct. XXXX should not be able to hide behind the employment/agency curtain while pointing the finger at another party to avoid liability, after all it was XXXX and its agents and employees that have committed multiple felonies.
I have received a collections account from an agency that was filed in error as I have a legal payment arrangement with the creditor and paid them before the deadline to avoid collection activity on my credit. They are refusing to remove this fraudulent activity from my credit and its effecting my score incredibly Creditor : DIVERSIFIED Acct : XXXX XXXX
I have several times have requested Capital One and XXXX to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.
I opened a personal checking account with chase bank in the month of XXXX and deposited XXXX dollars in it. on XXXX XXXX I received a letter stating my account was closed and funds will be mailed back to me. I called and they told me that my account was closed for no reason at all and without a valid response. JPM Chase stated that they reserve the right to close my account with providing a proper response, which a form of discrimination. Once I completed my conversation they gave me a ref # of XXXX.