WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery A {$1000.00} Portfolio Recovery A {$490.00} I challenge the accuracy, compliance and reportability of this listing. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
In XXXX I applied for refinancing on my home. I turned in all required documentation. The bank said that everything looked good. There were some discrepancies. They were taken care of. Now is when it went sour. The man handling the loan when on vacation for two weeks, nobody handled it. when he came back I had to make numerous trips to bank to find out the status he says everything looks good. Then I find out that they took him off the loan and turned it over to a lady in XXXX, XXXX..From then on I had no personal contact with anyone. Through the following months, I had to talk to five different persons? Seems like ever time they sent it to the underwriters, the underwriters would sent it back to them for additional information. This went on up til XX/XX/2018, when I get a call that my loan had been denied. They said that a document would be coming explaining why! The bank sent a document, but I could not open it. The bank said that they would mail and e-mail me again. Finally I got the letter with postage dated XX/XX/2018? And was then able to open the e-mail!!
Please be advised that I.C. System, Inc. has violated the Fair Credit Reporting Act ( FCRA ) by reporting this fraudulent debt and amount to the credit bureaus. If this collection is n't removed immediately from all credit bureaus, I will be moving forward with a formal lawsuit against the company. I 've been in contact with an attorney and have all supporting documentation outlining their failure to adhere to consumer protection laws. If the company does n't remove this immediately and I am forced to proceed with a lawsuit, I 'll also explore the possibility of a class action lawsuit to help the countless other victims that have been damaged by I.C. System 's unlawful practices. Thank you.
EQUIFAX HAS WIPED MY ENTIRE CREDIT REPORT CLEAN ... ..ITEMS I PREV DISPUTED AS BEEN PLACED BACK ON MY REPORT IN WHICH IS AGAINST THE FAIR CREDIT REPORT ACT. FIRST SOUTH FINANCIALLY WAS REMOVED OFF MY REPORT ON XX/XX/18 UNDER NUMBER XXXX THEY HAVE ADDED IT BACK TO MY ACCOUNT.
I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via XXXX, Equifax, and XXXX. 

I never was late on these accounts.
I have tried numerous times requesting TransUnion to send me documentation on how the " verified '' this alleged debt on XXXX XXXX. But according to FCRA, Section 611 ( a ) ( 5 ) ( A ) ( i ) and 15U.S.C. 1681g, I have the right to demand for those documents that are used to " verify '' an alleged debt. But with TransUnion refusing to do so. TransUnion has violated my rights as not providing documents in how this alleged debt has been verified. I have sent multiple letters requesting proof of how TransUnion verified the alleged debt. I have not got any documents and only one dispute result which stated, " verified ''. I have been asking for documentation for the last 2 to 3 months and received nothing. I am asking, " where are the documents that you used to verify this account? What is the name of the person in your company who verified this account? What documents did they use to verify them? TransUnion has refused to answer this questions and to send any documentation.
I returned the bill to the sender with a note indicating that I never requested the publication and I do n't want any publication.
I took advantage of a 15 month 0 % balance transfer offer on my Wells Fargo Visa credit card XX/XX/2016, since then the balance on my card is split between the 0 % APR and the regular 22.24 % APR. Prior to accepting the balance transfer, I inquired about how payments will be applied to the credit card account, with the goal of paying off the balance with the higher interest rate as soon as possible. All representatives from Wells Fargo credit card phone customer center have informed me that payments above the monthly minimum payment will be applied to the higher balance first. That held true for payments made through XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX, as I got close to paying off the balance at the higher interest rate, more and more of my payments were diverted to the balance at 0 %. Over {$750.00} of payments have been applied to the higher interest rate and there 's still a balance that is assessed interest every month.
I was charged by Bank of America for {$35.00} late payment charges XXXX in the past XXXX months. I understand I was late on the payment in XXXX and XXXX, but I still think {$35.00} late payment charge is ridiculous. I contacted them multiple times and they said they could not waive the fees for me.
On XX/XX/XXXX, I made an arrangement to make two payments for my vehicle, A XXXX Toyota Tacoma. My account is up to date. On XX/XX/XXXX the Wells Fargo Collection Department called me and said that my account was behind because I had supposedly missed a payment XX/XX/XXXX. They made me pay the over due amount with interest as well. Meanwhile, I had asked two times if i could get the payment history on the loan I had recieved to pay for the truck. However, i did n't receive the payment history until 8 months later. As I went through the payment history I noticed that one of the payments that I made in XX/XX/XXXX was n't showing on the account. I called the Wells Fargo Department of Collections to fix the mistake and they asked if I had proof. I sent them the receipt of the two payments, and the copy of the checks that i had written to the department. XXXX, an employee for the collection department, said that the payment was lost and sent me to the Wells Fargo Bank to ask them what happened to this payment. They said that i need to call the Collection Department because they were not responsible for that. I then called XXXX again and she said they do n't know what happened to this payment and that they were going to investigate what happened. She called me on XX/XX/XXXX and told me that they found the money, it was in another account that I was sharing with my son. I said that I wanted a refund for my money and for it to be taken off my credit because they posted it 30 days later on XX/XX/XXXX and XX/XX/XXXX and it was false information. XXXX said that she could n't because even if they refunded the money to my account, my son 's account will be behind and it was n't possible to do so. I then asked XXXX to show me the payment history of the loan my son was supposedly behind on his account. I talked to my son about his loan, he said that he was n't behind on payments and showed me a bank statement to prove that he had payed XX/XX/XXXX. Me and my son could not prove anything until the department gave us the payment history of my sons account. The department began to start calling me asking for a payment, but I refused because I was not behind. I also asked for my money back, but because of the ongoing investigation they wanted me to continue making payments. I had told them that i was n't going to make a payment because i had already paid for the month of XX/XX/XXXX and they never refunded me anything. Afterward i reviewed my credit and i noticed that they posted five 30 day late payments on my report XX/XX/XXXX through XX/XX/XXXX. I called XXXX again and asked her to remove this from my credit record, but she said that she could n't. She advised me to called her manager, so I called her today. She was in a very bad mood we did not agree on anything. She did not want to remove the bad report from my credit, and transfered me to her manager. He said the same thing, that they were not going to remove anything from my credit because if they did they were going to put it on my sons credit report. I told them that I was going to make a complaint to their bank but they did not care.
In 2013, I had a car repossessed. The car was sold and the debt was paid. Today I got a notice that on my credit report there was a new repossession with a company called XXXX XXXX XXXX the original XXXX that was settled 3 years ago and has been reflecting on my report as a repossession was Central Ohio Credit Corp. I do n't have a " new repossession '' this took my credit score down XXXX points and they also made a hard inquiry on my report that I did n't authorize. This information is not accurate.
Experian has reinserted wrong information on my credit report and has affected my credibility with loan officers.
XXXX XXXX XXXX, junk debt collector trying to collect on a debt that was XXXX in bankruptcy in 2005. 
Calls repeatedly numerous times of the day. Have explained the debt was XXXX in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.
Due to financial hardships, I took out a loan in XX/XX/XXXX for {$300.00} with {$150.00} added on for interest. So in XX/XX/XXXX, my balance was {$450.00} and I had health issues and was unable to make my first payment that was due XX/XX/XXXX. Despite my defaulting on the loan, Security Finance continued to add interest and late fees ; even though they were well aware that I was in the hospital. I was unaware of how much interest or the late fees until I made a {$50.00} payment ; which brought my supposed balance down to {$390.00}. I called Security Finance and spoke to XXXX and XXXX ; I was told by both that my entire payment of {$50.00} went to interest ( XXXX ) and late fee ( XXXX ). None of my payment went towards the actual loan. Furthermore, they call my phone 3 to 4 times a day, 6 days a week. They are overly aggressive and refuse to work with me.
After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to me.
I sent funds to my Paypal Smart Connect account that is backed by Synchrony Bank in error. Once I realized it was sent to them, I called XXXX, was transfered to Paypal Smart Connect and hung up on XXXX times by the automated system. When I could finally figure out how to get thru the IVR to a real person, I got transfered again. The IVR would accept my account information, social, or zip code. This processed has been repeated multiple times. I call, get transfered, hung up on/transfered again. When I spoke to a manager, he demanded the adress on the account, I have him my address. This was not good enough, I had to find the address, by calling the attorney that settled my account, and call back.. I finally speak to a manager, XXXX XXXX, he needs to research.Please note that I was never asked to confirm the address. He calls back, I now have to call another department. I call XXXX. I get told I have to speak to someone else, I get transferd. After XXXX hours on the phone, XXXX people, I am told I have to send a payment request in writing to a XXXX . There is no fax available so I can expadite this request. My Smart Connect account was enrolled in a repayment program in XX/XX/XXXX. There was a settlement reached in XX/XX/XXXX and the final payment was made XXXX. I sent a billpayment to the wrong XXXX account on XX/XX/XXXX and it should be arrived electronically on XX/XX/XXXX. Now I have to have proof of payment along with my signed dated request to get the funds back. Infuritating! 

This is n't their money and I should not have to dance like a dog throug hoops to get it back.
My loan was transferred to Freedom Mortgage starting on XX/XX/2016. I had sent a payment to the wrong company XX/XX/XXXX, and talked to XXXX different customer service reps to make sure that a late fee would not be charged. They both stated that they had removed the unauthorized fee, yet they keep showing up in my statements. Under federal law, a person can not be charged a late fee within the first 60 days after a loan is transferred, and a loan is transferred according to the XXXX payment to the new provider ( XX/XX/2016 ). I am also unable to pay the amount without the late fee, unless I call in, in which they charge me a {$15.00} convenience fee! I have my previous conversation with the customer service rep recorded, where she agrees that I am right about the fees, and also promising that it will be removed from the next statement.
A person with my name ( XXXX XXXX ) has applied for a mortgage from Chase. Someone at Chase incorrectly noted his email address as XXXXXXXXXXXX, which is my email address. So now we have : - me : XXXX XXXX from XXXX ( email is XXXXXXXXXXXX ) - borrower : XXXX XXXX from XXXX ( email is unknown ) Sequence of events : - I received an email from XXXXXXXXXXXX on XXXX/XXXX/2016 asking me for tax information. I responded the same day indicating that I did not apply for a mortgage. 
- After receiving additionals emails, I called Chase customer service to resolve. They were unable to assist me, because I do not have a Chase account. They suggested I email XXXXXXXXXXXX, which I did. 
- The abuse account response indicated they could only interact with me via a secure web portal, and that I was to log in using my Chase account information. I responded by pointing out that I am not a Chase account holder. 
- I then received an email to confirm registration to a secure Chase portal. I was pleasantly surprised that Chase had figured out how to enable secure communications without me actually being an account holder. Upon confirming the registration, I discovered that the account was for the " other '' XXXX XXXX : it contained mortgage disclosure documents. 
- Concerned about identity theft, after 3 hours of calls to Chase, I finally spoke to the mortgage broker who originated the application ( XXXX XXXX - XXXX ). He confirmed that the " other '' XXXX XXXX has a different address and different last XXXX SSN digits. He promised to try to " disconnect '' my email address from the other XXXX XXXX 's account. 
- On XXXX XXXX, I received a call from Chase with questions about my account. A Chase employee asked me to verify my address and SSN last XXXX digits. Curious, I provided my information. The Chase employee then began to discuss my mortgage application. I immediately told her that this was not my application, and asked her to confirm whether my address and SSN were on the mortgage application. She paused, and admitted they were not. ( XXXX check right there. ) She promised to attempt to remove my email and phone number from the account. 
- Today ( XX/XX/XXXX ) I received another email prompting me to log into the Chase " secure portal '', only to discover my email account is still bound to the " other '' XXXX XXXX 's mortgage application. So now I have access to another person 's mortgage documents, and Chase can not figure out how to correct the situation.
I have no record of this company as a owed creditor, will you please remove from my credit. Must supply open date and process of this date, or remove from my report ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX {$2400.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported.
Basic Complaint : XXXX XXXX, XXXX Between XXXX, XXXX and XXXX, XXXX, my student loan increased by the amount of {$3.00}, XXXX. More specifically, according to Navient, the balance of this loan was {$30.00}, XXXX on XXXX XXXX, XXXX and by XXXX, XXXX, the same loan cited a balance of {$34.00}, XXXX. It is highly unusual for any student loan balance to have increased several XXXX dollars in less than six months. 
To date, there has been no explanation by Navient or XXXX XXXX on this matter. 
During several months, Navient did not report any type of accrued interest on this loan. 
However, in XXXX, XXXX, Navient processed the accrued interest even though I resided in a subsidized housing for the first time, and I had lost major employment due to our nation 's earlier recession. There is no specific logic for this loan balance increase. 
I am holding Navient accountable for processing my student loan with accuracy as well as consistency. As a result, I am requesting an immediate overview of the accounting processing of this loan to correct the issues cited above. 
Thank you for a prompt response. 
Attachments
Barclays continue to post that I have a charge off account and my account is paid in full never a charge off. I do n't owe any money and company wont send me a payment history just keeps saying I owe them. XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....
I submitted a request to experian to delete an erroneous item from my credit report. Request was sent XX/XX/XXXX, receipt was signed by experian representative on XX/XX/XXXX, as of today ( XX/XX/XXXX ) I have received no notification on the status of the investigation nor has my credit report been corrected.
This happened back on XX/XX/XXXX when the fraudulent account was apparently opened. And, apparently there was a disconnect of the XXXX XXXX on XX/XX/XXXX ( according to XXXX ) for non-payment. I just found out about this XX/XX/XXXX when my XXXX Credit Report ( FICO ) went from XXXX   's to XXXX! XXXX has turned this over to a collection company ( Credit Protection Association, LP, XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. My reference number with them is:XXXX. What makes this disconcerting is XXXX  ( XXXX XXXX ) acknowledges this is probably a 'fraud issue ' since I've never lived in XXXX , FL and my birthdate is XX/XX/XXXX, not XX/XX/XXXX that was used to open the account with XXXX . XXXX XXXX 's email address is : XXXX and phone number is : XXXX. It's as if, " Well, somebody has to pay, so go after this guy. '' And, how can XXXX drop my FICO score so drastically? I have never ever had this happen before! My contact at XXXX is XXXX, in the Fraud Department @ XXXX and my Report # is XXXX.
Complaint # XXXX was CLOSED. It should NOT have been since this matter has NOT been resolved. Please see feedback submitted for the above mentioned Complaint number. Please, please, please get this resolved! This company has disregarded my requests since XX/XX/2018! Completely unprofessional service!
I received a call regarding a balance ( {$140.00} ) on a payday loan from First Virginia. I advised I did not take out a loan with First Virginia for that dollar amount and settled the account with a different collections agency. The rep asked me to fax the receipt. I advised I had to find it since it's been well over a year. I called the debt collector ( XXXX ) today and advised I found my receipt but did not have the ability to fax it at this time. I asked if I could email it and was advise that wasn't an acceptable form of transmission. I then proceeded to advise the rep that I am disputing the debt and requested that they send me documentation supporting their claim. The rep advised I had to settle the outstanding amount prior to them sending supporting documentation for the claim. The rep continued to advise they are not required to send me anything showing proof of this transaction and hung up.
Midstate Collection Solutions, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX IL XXXXContinues to send mail showing a debt from XX/XX/XXXX and XX/XX/XXXX. 

They also sent a false signature on a document from XX/XX/XXXX. 

This is NOT MY DEBT ... Also the FCRA states that any debt over 7 years old should be deleted from Credit Reports, however MSCSI continues to report this debt on my Credit File. 

I disputed this Debt with the Credit Bureau, and it continues to report on my Credit File ...
Bank of America changed its policy about accepting payments My payments were REFUSED In person at the branch When I called to inquire as to why my credit limit was decreased THEY DID AN UNAUTHORIZED inquiry dropping my credit score lower!! 
When I expressed I wanted to close my acct and end business with this criminal organization they threatened it would further ruin my credit!!
With respect to the Income Based Repayment options offered through studentloans.gov, I have experienced issues, delays and problems every time I have applied or sought to renew or re-apply for Income Based Repayment through studentloans.gov. They make the application process over-complicated which I believe is intentional or at the very least, unnecessary. For example, I recently learned that my payment to Navient would double despite the fact that I filed for Income Based Repayment two months ago. The reason I was given was that I could not verify my spouse 's income which is laughable since my spouse 's income was imported directly into the application from the IRS ( I file jointly ). I would not have indicated that I could not verify my spouse 's income. This is the third time I have had issues related to my spouse and my application for Income Based Repayment. Rather than being reported in default and/or suffer the consequences of negative credit reporting, I recently paid the higher amount. This is a glaring example of how Navient and others extract money from borrowers and discourage income based repayment plans. I will attempt to discern how to rectify my current income based repayment issue through studentloans.gov ( I will have more issues next year without question ) but want to point out the questionable and deceptive lending practices. When I spoke with Navient today they were perfectly able ( through the " back office '' ) to determine the supposed problem with my income based repayment renewal application but did not offer to lower or adjust my payment for this month either now or when I rectify the purported problem. Rather, they point the finger at studentloans.gov and claim that my next payment will be lower if I go online and resubmit my IBR. Will see. Very convenient.