WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2016, I was forced to move out of my apartment building located at the XXXX XXXX building. I was told to pay {$730.00} for the last month rent. I put my rent check made out to XXXX XXXX for {$730.00} into their deposit box. The check was then cashed for the full amount according to my bank statement. The collector or their agency continued to send me demands for payment. All the while the payment was already made previously. The reporting agency then sent out a negative credit report for negatively impacting my credit score falsely. I would like the XXXX to review their case and reverse this action against my credit rating.
For approx 11months I've had numerous errors on my TransUnion report and the credit bureau refuse to remove errors per FCRA.
My credit report shows a ffel consolidated loan..done online XX/XX/XXXX..student database shows it. But I did not initiate this..my original loan done back in XX/XX/XXXX..and made 4.5 years of payments..does not show up..on student database ..nor does any of my payment history..this has been very frustrating ... and wrecked my credit including IRS deferment of 2 years refunds..

I am trying to discover the actual lender..student database shows Chase..Chase said it purchased loan from you ... I need the computer location address..and any other information from original application..
XXXX was unable to access my Credit report to due a credit freeze. However, there are XXXX inquiries on my report from XXXX. I called XXXX several times concerning this. most recent today where i spoke with XXXX and her manager XXXX If they were able to access my report, why did n't i get a decision letter based on the information in the credit report. they told me to check with the credit agency which i did and they told me to contact fingerhut. i explained that i received a letter stating they were n't able to access my report but the inquiries show they were able to. Ive reached out to equifax who told me that this inquiry is legitimate. but according to the XXXX investigation, they are stating they never viewed my report.
I have a auto loan with  Tidewater Motor Credit an d I wish I did online research PRIOR because every single complaint is the same or worse than mine and the Government has n't shut them down.  Tidewater  used a predatory loan and changed the terms on us after we signed paperwork, then their online and automated phone systems do not work on purpose to FORCE customers to call in so they can add on ridiculous fees to charge. When you call to make a payment the approximate hold time is in excess of more than TWO HOURS and when you finally do get through they either tell you that you MUST make 3 MONTHS worth of payments or they tell you to pay the vehicle IN FULL or they will not take your payments???!!!!! That will force customers to spend way more than they can afford, or into hiding. There are many lawsuits against them for the same issues. They called me at all hours of the day and night before  XXXX  and well after  XXXX  and they threatened to send someone to " sit outside my home to wait for me ''. Their repo people have disclosed my debt account balance to my neighbors by literally walking door to door in my GATED COMMUNITY, THEY HAVE GONE INTO MY WORK giving my boss and co workers personal information and how much I owe and leaving their information and they have offered a monetary reward to every one of them for turning me in. I had a woman named  XXXX  call me on   X/XX/17   and she told me that I should " be embarrassed by not paying my bills and I did this to myself and then told me she was sending a tow truck with  2  men to sit outside my front door and follow me everywhere I go to retrieve the vehicle '' Today is the 11th time I have had to call the police because there is no peace when these men come, they BANG on windows, AND DOORS SCREAMING OBSCENITIES, try to break in the home, scare my children, neighbors, and myself. They have literally CHASED me in multiple vehicles trying to get the vehicle and it is all because they want to get paid. Tidewater gives their employees bonuses to collect extra fees and more payments and if you do not comply they say they do not want your business. How is this legal?? How can they force consumers to call in and charge them through the roof or take the car when I was trying to pay on time. On paper it looks like I was never on time bit the reality is they would never take a payment. And if I could get through, I could not afford  3  payments at a time???? Look online at their own employee reviews and you will see that it 's high stress to meet the incentive money goals and most feel the consumer is being taken advantage of. I have a log book with every date, every threat, every form of harassment from Tidewater and will be taking them to court if they do not fix this issue. I am not sure what  Towing Company  is involved but their harassment also violates Nevada laws as well a s Consumer Credit l aws. The police have been called here so many times and if you tell the company in writing to stop harassing they ignore it. Tidewater does not care aboit the consumer PERIOD.
Account was verified through equifax but the debt collectors did not have documents to support claim. This has been an issue for over 4 years I was told the companies sent over documents but I requested copies of the document at the beginning of my dispute. But was told I need to re submit the claim and request the documents in writing even though I requested a copy of the documents in my initial dispute. The investigation of the account should have revealed there was no documents to support the claim and should have never been verified. I want a copy of the submitted documents seeing as the document were verified and the company. And there is cause for concern the bureau need to a better job of investigating matters before confirming this issues has caused me to many problems. And has had a negative impact.
Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks
I closed on this property on XX/XX/18 none of the VA standards were met and the basic standards were not met. The selling agent provided paper that was false.
I have reached out to AES for help with repayment on my loans and they have told me that there is nothing they can do. I had a baby in XXXX and was unemployed for a few months. I had no way to pay the loan and called numerous time to try and work something out until I was able to make payments again.Now some of my loans are in default and I have no idea what to do. It is affecting my credit and my parents as well since they were cosigners.
Enhanced Recovery Company showed up on my credit bearu I disputed it with the credit bearu. As it was for an old XXXX account that was closed XX/XX/XXXX. As I could no longer afford it and was told upon closing the deposits that would be applied to the account and closed. I contacted ERC and requested detail on why they where collecting the said it was for XXXX old XXXX accounts ( XXXX lines XXXX account ) this was sometime XX/XX/XXXX. I told them I have never received a letter at all from them to dispute the collection and requested more details Some time goes by and XXXX/XXXX/2015 I contacted the collection agency again and they transferred me to the dispute department a woman by the name of XXXX said that she had already placed a request in with XXXX for a company of by account along with where the depsit was placed. She then told me the account also had XXXX of early termination fees. I told her my account with XXXX was past the early termination fee period and requested that she provide proof of my signed agreement and any recording they had from XXXX authorizing such a hefty termination fee as i had stated the account was well past the termination charges. When I called and spoke to some else I was told they would not give me any time frame as to how long they had to collection the info before they would have to remove the account without the validation. I called XXXX/XXXX/2015 and spoke with a XXXX who said that they just received the request on XXXX/XXXX/2015 and this was the first time they requested any info as it originally needed to be in writing when I told him that it I was told it was already requested he said that they had not. When I told him I want proof of all documentations as the letter I sent requested his response was we will only send you what we are legally required and that is just the statement not the originial signed agreements. A previous complaint was files under Case Number : XXXX a agency responded that they would be supply the information of the signed contract and any and all recording in regards to the early termination fee to date nothing has been provided to me from the collection agency nor XXXX. ERC removed the collection and all negative information from my report and it remained off my bureau for a couple months and now they have resubmitted the collection on all my CRA bureau as a new account as of XXXX 2015. I am demanding that they remove all negative reports from all any of my credit bureaus as they they have failed to provide proof of the agreement.
Capital One Bank in XXXX, Virginia. Amount owed : {$450.00}. Please write-off. 
Ms. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX XXXX Please remove this derogatory mark from the 3 credit bureaus, XXXX, XXXX XXXX, XXXX, immediately. Today.
Misrepresented themselves as attorneys with the ability to sue ( they do not have an office in Oregon and thus have no right to do so, they are thus collectors ), refused to send me verification. Hung up on me, refused to accept my request for cease and desist of telephonic communication, provided me with false contact information and website. Refused to even identify the debt to me
There is a XXXX XXXX credit inquiry on my credit report with equifax that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report
Issue : Equifax is not capable of spelling my name correctly. In XXXX 2016 I wrote letter requesting correction, with proof. They responded by spelling my name wrong. I send another letter XXXX 2016, again they responded by spelling my name wrong. We did all this again in XXXX. They have just responded ... again ... .with the wrong name. I had mostly given up on having my name spelled correctly, but can not get the complimentary XXXX score from XXXX, with the name not matching. Can you help me please to get Equifax to spell my name correctly?
I am a victim of identity theft. The information listed below, XXXX XXXX XXXX, DEPT OF ED/XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
On  XX/XX/XXXX , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within 24 hours, I received a reply from Equifax stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.
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I have requested that the following inquires be removed :    XXXX   XXXX      XXXX   XXXX   An Inquiry that is tied to no name at al  XXXX   XXXX   XXXX  / XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
I had sent two ( 2 ) certified letters to ( XXXX XXXX XXXX XXXX XXXX XXXX , XXXX ) : Letter one ( 1 ) was asking for the validation of debt. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) then responded by mail with just a letter dated XX/XX/2018 in response to my first request. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) Did not include any original documents pertaining to this alleged debt. 

Letter two ( 2 ) was mailed on XX/XX/2018 to cease and desist communication with me because they have not sufficiently shown or provided proof of this alleged debt with original documents. 

Now, on XX/XX/2018 I received a new letter from ( Resurgent Capital Services ) which is another " company '' working with " XXXX XXXX XXXX '' in response to my second certified letter as they have said in the most recent letter mailed to me.
Commonwealth Financial systems called from XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX I spoke to the representative who stated that they had a personal business matter. He asked for my address as they did n't have my SSN or birthday. I told the representative that I was not providing my address or agreeing to anything without more information as to the matter at which they were calling. The representative stated that they will mail a letter and that I was to contact them when I received the letter. I agreed to contact them once the letter was received.
OnXX/XX/XXXXat XXXX, I received a phone call from Commonwealth again. I told them I spoke to them less than 24 hours ago and was told that I was to contact them once a letter was received. I stated that this wass harrassment as we had agreed on how to proceed based on the amount of information they were willing to provide. I, then spoke to a manager that confirmed that I did speak to the representative yesterday and that a letter was supposed to be mailed.
Updated medical insurance information was submitted at the time of the office visit but the information was never forwarded to their billing department. Doctor 's office sent the bill for collection. I had paid the copay and since my address also had changed, I did not receive any notices of the bill not being paid and was unaware that there was a problem. Doctor 's office cancelled collection on XXXX/XXXX/15, more than 30 days ago, recognizing that the error was theirs..
On XX/XX/XXXX, I pulled a copy of my credit report from TransUnion. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to TransUnion disputing said alleged account and asked for validation. 

TransUnion failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to TransUnion requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has TransUnion marked my credit report as being " disputed '' ; although, TransUnion continues to report said item.
XX/XX/2018 XXXX XXXX. Called my house from this number XXXX XX/XX/2018 XXXX called and hung up on my house phone XXXX
They reported an amount to my credit report when I contacted the original debtor they give me a much lesser amount & still I settled with this company ( PHOENIX RECOVERY GROUP ) and they agree to removed all info and notations on all credit bureaus after 45 days after i paid em what they told me but they didnt remove it, I call em and she said ( XXXX XXXX rep ) maybe is gon na take longer you should pay the rest ( we agree on a settlement ) now they told the credit bureaus the info on my reports are right even tho I have the proof where they agree to remove it after I paid em the amount we agree I all send so many emails they dont reply back no more i think this is unfair i did what they told me and they didn't live upto what they offer even XXXX XXXX approved my letter stating my account will be deleted but no they just took my money and didnt deliver they promises
In the process of making a purchase over the internet through a small business commerce site I signed up for Paypal yet did not clearly understand that I had to use a credit line for the purchase. I was contacted by a collection service to pay off the remaining balance which I did during that phone call. Looking back at the process I would like to know if the extremely high interest rate I paid for the lats month of the credit line was actually legal?
JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.
Credit reporting agencies not providing a updated credit report with update scores. Not deleting negatives wordings, and collections after Bankruptcy XXXX XXXX, Texas Federal Judge Discharged bankruptcy XXXX on XXXX XX,2016. This is a major Retaliation and Discrimination against me as a XXXX Military Veteran. There is many errors on my credit reports.
This is my second complaint against Credit Collection Bureau in regards to collecting for a XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX Today I received Validation of Debt documents from Credit Collection Bureau and as previously stated in my prior complaint I AM NOT THE RESPONSIBLE PARTY for financial obligation. In the contractual agreement # 4 " I will pay in full any cost of treatment or insurance copayments according to the office 's financial policy. I understand that even if an insurance pre-estimate is given or a procedure has been preapproved, I am responsible for any cost that my insurance does not cover. '' Patient or Guardian name signature is my father signature and my mother is the witness. My father signed the contract and took responsibility due the fact I was an unemployed college student during the time of rendered services. I never signed the contract obligating myself to pay a debt in which I knew I had no INCOME to pay. What my father signed the legal binding contract between him and XXXX XXXX XXXX. This greatly concerns me because based on the Validation of Debt documentation sent to me this violates the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( 8 ), and because of my military career a violation of the Service Member Civil Relief Act ( SCRA ). This misinformation in pursuit for payment of the debt by me and a blemish in my credit file is a Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I made three biweekly mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Selene Finance in XXXX. The last loan payment on XX/XX/XXXX was deducted from my bank account, but it was not deducted from the principal balance like it should have been. They will not resolve or even reply to the matter after 23 days now. 

I have attached screenshots of the current Selene Finance payment history and the payments made from my bank statement. The Principal Balance displays a {$220000.00} amount on XX/XX/XXXX. The payment reversal on XX/XX/XXXX is the problem because the funds were in fact deducted from my bank account and never returned. 

That payment reduces the principal because its the third payment of the month and Selene should never have had a " Payment Reversal ''. Therefore, the current amount in Suspense should be half the mortgage payment and the Principal Balance {$220000.00} as ofXX/XX/XXXX.

On a side note to eliminate any confusion. Due to the lack of information Selene Finance provided me, I made a manual payment onXX/XX/XXXX. Unknowingly, two payments were then deducted from my bank account. One deduction was turned back for insufficient funds, but the other payment was accepted.
Experian has been incorrectly and inaccurately reporting certain information my credit report. The furnisher has referred me to the bureau. As shown in the attached screenshots, Experian lists these accounts as being installment accounts when they are not. They also list date of status as being XXXX and XXXX, respectively, yet the they 've updated monthly since the addition of these items to my credit report. They also list past due amounts and other history that the furnisher insists has not come from them. I 've attached several screenshots supporting my position.
My car company stopped reporting to transunion and XXXX for a year. Thats how long ive had a incorrect balance on my credit report. Ive already reported. XXXX came up with the same incorrect balance. I do not feel, like a proper investigation was done. Thank you
I was seen by XXXX XXXX  in XXXX NH for a work-related back injury in which there is an open claim verified by the State of NH workmen 's comp. XXXX was to followup with the company and apparently did not and even though i repeatedly told XXXX to contact my former employer 's workmen 's comp insurer they did not and repeatedly harassed me then sent it to cbcs collections out of XXXX NH who has continually called me using a dummy rhode island phone number and leaving no messages. I repeatedly spoke with reps from cbcs explaining workmens comp and even offered to pay the bill to avoid negative credit reporting even though i am not responsible for it but was told i did not have to if it was workmens comp by XXXX. I forwarded a copy of the workmens comp claim letter to cbcs XXXX XXXX but they continue to keep calling me.
On XX/XX/XXXX I pulled my credit report and found and account listed as " charged off '' from XXXX XXXX for {$200.00}. When I contacted the credit bureaus, I was told that it was associated with my ex husband 's social security number and name, of which I left XX/XX/XXXX and was officially divorced from XX/XX/XXXX. However it has been placed on my credit. I sent a debt validation request to XXXX XXXX and let them know, that this was not my account. That in fact my ex husband ordered out of the catalog and the debt did not belong to me. I did not hear back from XXXX XXXX. I reached out to the company, and the only answer they could give me was to file a dispute with the credit bureaus. That is not professional at all. If an error was made and the company was contacted, it should be cleared up. They are reporting erroneously on my credit report. Not only that, they are in violation of my FDCPA rights as a consumer. I have the right to request validation, and the contract that is between myself and this consumer for this debt. Which they clearly do not have! There is absolutely no contract between myself and this company, so how can they place and report a fraud account on my report. This account was opened XX/XX/XXXX. I don't even live in XXXX  anymore. Why wasn't I notified? I am horrified that this company would allow someone to simply order a catalog in someone else 's name, someone incorporate their social and ruin their credit without even a proper signature nor mutual bonding agreement with signature. No telling who else has gone through this and with no help from the company. No proper validation, no rights to report.