WillisBack/dataset-financial-user-claim huggingface dataset:
This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and Equifax .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. Equifax refuses to delete it. The collection company has sent me a draft that they sent to Equifax to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later. Creditor also says Equifax has never contacted about my account even though I have disputed it 7 times with Equifax
THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX CARD COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF
XXXX XXXX XXXX {$200.00} dollar credit Limit {$120.00} owed My identity information has been previously compromised and used to open several accounts and inquiries without my permission. This is just one of the accounts that was opened that I do n't recognize. This is fraudulent account.
I am writing to file a formal complaint against Equifax, regarding my request to provide the Method of Verification ( MOV ) on ( 2 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, Equifax has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with Equifax, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.
I have a premier checking account with Citizens bank in XXXX XXXX Ohio. The account is linked with several other accounts that have more than the minimum balance to keep it from getting charged a maintenance fee. Beginning XX/XX/2015, the bank, for no reason started taking out a maintenance fee of XXXX dollars for a total of more than XXXX dollars. I contacted the bank and spoke to the manager. She stated that it was their error and " XXXX '' would contact me to handle it. XXXX later called me and said that XXXX charges amounting to XXXX dollars would be refunded, but for policy reasons, no more. He did add that if I came to the bank and discussed solutions, more money might be refunded. I want a full reimbursement of the money fraudulently taken from the account as maintenance fees.
Resurgent Capital Services ( XXXX XXXX ) placed a collection account on my credit report in the amount of {$700.00} in XX/XX/XXXX. On XX/XX/XXXX I sent XXXX XXXX aka Resurgent Capital Services a Debt Validation letter under Texas Finance Code 392 requesting they validate the debt. XXXX XXXX aka Resurgent received the letter on XX/XX/XXXX and sent me a letter on XX/XX/XXXX stating they have " initiated a review of the inquiry they recently received ''. As of today XX/XX/XXXX I have not received any further correspondence from XXXX aka Resurgent validating the debt in question. In the letter I sent on XX/XX/XXXX I requested Validation under Texas Finance Code and requested that if they could not validate that they were to delete the trade line from all 3 credit bureaus which they have failed to do at this time. Under TFC 392 they have 30 days to validate and if they can't they must delete the trade line from all credit reporting agencies. 

They also treated my letter as a dispute under the FCRA and marked my credit report 's as " disputed by consumer '' which I clearly was not disputing under the FCRA but requesting validation under the Texas Finance Code. This is a blatant misuse of the dispute process under the FCRA and could cause issues for future consumers that request validation under TFC. Dispute comments can derail mortgage applications and cause credit denials.
On XX/XX/XXXX, I initiated a credit freeze on the EquiFax web site, given the recent data breach at this company, in order to protect myself. 

I paid {$5.00} that was charged for this service ( which is part 1 of my complaint : given the XXXX data breach, this fee needs to be waived ). 

The confirmation page on the web site ( see attached PDF ) makes loud reference to having to print with an " Adobe Print '' button. On my screen there is just a large empty square with no buttons visible. The PDF is an exact replica of my screen. The Terms mentions no requirements, warnings, or remedy avenues. 

Presumably, this page should show a PIN which will be needed to temporarily suspend or modify the security freeze. Right now, the service I paid for is incomplete. 

I searched extensively for a way to contact EquiFax to clarify this matter. The only phone information on the web site was for Business Customers, or for people to order a credit report ( through an automated system ). The ( Business ) phone number I called disconnected me without comment. 

The other two credit report companies ( each of which also charge {$5.00}, which I believe EquiFax should pay ) at least offered emailed copies of the PIN information, so there was not a single point of failure as with Equifax.
The company is XXXX  XXXX, and my family has been receiving calls from XXXX XXXX at ( XXXX ) XXXX. They have been harrassing my parents consistently over the last few weeks. She states in her messages that she is from XXXX XXXX, in Texas. And that I will find my self in legal trouble if I do not call back. She has also stated that they will have me located and arrested, even in my place of employment. Not once have they called me personally. They are attempting to impersonate the law and it needs to stop, it is unethical.
In XX/XX/XXXX I found a charge on my credit card that could not have been mine ( to XXXX XXXX ) but there was a credit to go along with the charge a week or so later so I thought it was a billing error and dismissed it. On XXXX XXXX, 2016 I saw a charge for {$130.00} to XXXX XXXX in XXXX ( I live in XXXX and have not been to XXXX since XX/XX/XXXX ). I called the number to XXXX and the recording said if I had a billing issue to send an email with my personal information and last XXXX digits of my credit card number. I decided to call the credit card company ( Citibank ) and have them remove the charge from what seemed like a bogus company. They said I needed to submit a dispute online, so I did and they issued a conditional credit for the {$130.00}. Over the next day or so I started thinking about it and realized that someone had my card and the representative at Citi did n't shut my card off. I called back and asked if they were sending me a new card and they said they could if I wanted them to but they do n't do that without request. I explained that my card was used on the other side of the United States for chicken and waffles, since I did not make this purchase someone has my card number I want it cancelled. They seemed surprised by this but sent out another card. On XXXX XXXX I received a response from Citbank with a copy of chargeback evidence from XXXX saying that a XXXX XXXX with an address in XXXX and an email address of XXXXXXXXXXXX ( not even close to my email or address ) ordered this and paid with my credit card number ( no signature, no actual card ) and I am responsible for this charge. I am livid at the customer service from this credit card company. I had to call them to dispute it again, sign a form and mail it ( using my stamp ) but they still have the charge on my card. I received a response yesterday saying that they have sent my response to XXXX and they will get back to me by XX/XX/XXXX!! My bill is due in XX/XX/XXXX, I will not pay for a stolen credit card charge when I alerted them the day of the charge. This is a platinum card that is supposed to have protection on it but it has n't protected me at all. I want the {$130.00} taken off of my card without me having to jump through hoops. This is the most ridiculous thing I have ever heard of and I will not pay this nor will I pay for any interest charges that occur due to this bogus charge.
I signed up at Citibank for their " CitiGold '' account. When I did so, they promised me XXXX XXXX XXXX miles as a signup bonus. I met all the terms of their deal, including making automatic payments from the account for 2 months, and making over {$1000.00} in debit card payments. Six months later, after repeatedly telling me that they would post the airline miles to my account, they changed their mind and told me they had no intention of honoring the deal they had signed, and that nothing could be done to obtain any resolution. Citibank charges an extraordinary $ XXXX/month fee for this account, and the account is only worth it based on the deal that they offered. Failing to meet the terms of the deal is simply theft on the part of Citibank.
I lost my job XXXX XXXX, 2016. I called Honda Financial Services to inform them of this and see about deferring some payments until I could get working again. I was told " no '' because I had n't had my vehicle long enough to make six consecutive payments. I assumed I would be getting a tax refund this year and just get caught up with that money. When I went to file my taxes, I learned I was going to be PAYING IN and getting NO refund.I called Honda back and asked them to work with me.Again, I was told " no ''. 
After asking several family members ( who are all financially strapped themselves ) for assistance and them being unable to help, I called Honda back and asked again for help so I can keep my vehicle, and again was told " no ''. I explained I was not unemployed by choice and am looking for new employment like a madwoman! I was told being unemployed is not considered a " hardship ''. Are these people all high??? It 's a hardship for me! 
I live in a very rural area.We have NO public transportation here! If you do n't have wheels, you DO N'T work, nobody will hire me without them! I have asked Honda several times if they will help me with my loan so I can keep my vehicle. My XXXX mother co-signed the loan and lives on social security.She has no way to help me out.Honda sent me a past due notice and in there it states if I am having financial difficulties, to contact them immediately and they can help.They have offered me NO help and I do n't want to lose my truck!
I have resolved this debt with the original lender. I have notified AP account services of this XXXX times over the phone and have asked them XXXX times over the phone not to call me. They call me XXXX to XXXX times a day and sometimes call after XXXX
this is not mineAccount nameXXXX XXXXAccount numberXXXX .... 
Recent balance {$0.00} as of XX/XX/XXXXXXXX openedXXXXXX/XX/XXXXStatusForeclosed. 
In dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXAddress identification numberXXXXTypeMortgageTerms2 YearsOn record untilXX/XX/XXXX XX/XX/XXXXCredit limit or original amount $ XXXXHigh balance $ 0Monthly payment $ 0Recent payment amount $ 0Date of statusXX/XX/XXXXXX/XX/XXXXFirst reportedXX/XX/XXXXXX/XX/XXXXResponsibilityIndividualReinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.
I was recently contacted by who I thought was the IRS. Upon answering the phone, I was asked whether I was aware that there is a warrant out for my arrest - so of course I immediately panicked. I was then told that because I owed money to the IRS ( of which they knew the *exact* amount, so I thought it was legitimate ), I would be arrested within 45 minutes if I did not pay at least some of the balance due. Because I lived at my place of work, I panicked that a police car would come and arrest me at my place of business - a terrible thought. These scammers knew ALL of my personal information, including my address and the balance due, so again, I thought it was legitimate. As a result I sent them {$500.00} ( which may seem like a small amount to some, but to me is a huge amount of money ). Immediately afterwards I had a bad feeling, and looked up the phone number ( they told me that if I hung up, they would consider it a noncompliance, and that they would send the police ). I saw that I had been scammed. So I called Chase the minute I realized and asked them not to send the money. I begged, pleaded, and cried, but they would not reverse the charge no matter how much I asked them to. I do n't understand what the point of " fraud protection '' is if when I 'm a victim of fraud I am not assisted. I have called several times to no avail. Surely there is something they can do - the XXXX of Chase, XXXX XXXX, makes {$27.00} XXXX a YEAR! If nothing else, ca n't this meager ( to him ) {$500.00} come from his personal account? 4 days after this happened I was laid off - and now I am in dire straights - and simply can not continue to have an account with a bank if they can not treat their customers well when disaster strikes. Please, if you can do anything to help I would be eternally grateful! Thank you so much for the consideration.
This is w ith Fay m ortage servicing company and  XXXX .   I disputed a late being reported on my mortgage. It was found to be inaccurate and incompletes at end of investigation. It was to be removed. They deleted my mortgage. It took weeks to get my mortgage back on. However once I did they put the already investigated late back on. It also was never reported to all  XXXX  agencies. This lead to my score dropping  XXXX  points. Resulting in denial of loan closure. Please see this is rectified immediately. I need to close on a loan. Thank you.
I was contacted by XXXX XXXX of the Law offices of Patenaude and Felix ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) ( XXXX ) on or about XX/XX/XXXX. 
Originally, they were asked to validate a debt in XX/XX/XXXX. They were unable to do so. In fact, I never heard from them after that. In XXXX they filed in XXXX XXXX, XXXX and had my wages garnished. I was never served papers at my current and legal home of residence. My wages were garnished for 60 days. The only way I found out about this was through the XXXX notifying me of the garnishment. 
In XXXX, I received another letter from the XXXX of intent to garnish my wages again. I contacted XXXX XXXX of Patenaude and Felix and came to an agreement for payment. We came to an agreement and I was sent a copy of that. I promptly made a payment of more than 66 % of the agreed upon amount. They also sent a copy of the Release of Writ of Garnishment ( dated XX/XX/XXXX ) with an attorney 's ( XXXX XXXX ) signature from the state of XXXX. XXXX XXXX claims that they sent the release the very same day to the XXXX. 
As of XX/XX/XXXX, My Leave and Earnings statement confirms that my pay has once again been garnished. This time, in the amount of {$380.00} plus an additional {$50.00} fee to the XXXX for processing. I immediately called the XXXX and spoke to XXXX XXXX ( XXXX ). XXXX XXXX confirms that his office has never received any notice from the debt collection attorney 's office and that they have made no attempts to contact him or his office by phone. 
This debt collection office is illegally collecting an unverified debt ; they did not contact me in the beginning of the court proceeding to allow me to challenge this ; after a legally binding agreement was made between both parties, they acted against their word and broke our agreement.
On XXXX XXXX 2016 I lost my daughters social security card along with mine, i made a police report and since she is under XXXX i want to make sure no one has tried using her ssn.
Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

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

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

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

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.
XXXX XXXX has committed fraud on my XXXX XXXX account that I paid in full, {$320.00} before the due date XX/XX/XXXX ( see account statements attached ). 

XXXX XXXX staff did not process my payment until XX/XX/XXXX forcing a late fee and interest charges. 

XXXX XXXX continues to assess late fees and interest charges on my account even today! 

My XXXX XXXX billing statements arrive on our about the XX/XX/XXXX of the month, and my payments are mailed by the XX/XX/XXXX of the month. No way are my payments late unless XXXX XXXX decides no to process the payment and therefore committing fraud by assessing late fees and interest to customer accounts! 

XXXX XXXX has wonderful merchandise but the credit card company, XXXX XXXX, continues to commit fraud against customers, me! My credit scores are being affected by the fraud committed by XXXX XXXX! I want XXXX to reverse the late fee ( s ), interest charges, then, send to me a statement with a XXXX balance on it by XX/XX/XXXX. 

XXXX XXXX is relentless! Please stop them! 

Here is a contact person for XXXX XXXX ( i.e., Attn : XXXX XXXX ) at XXXX. XXXX XXXX, XXXX, Ohio XXXX.
I pulled my credit report today to see if my score had improved based on recent payoffs ( as I am in the process of buying a home ) and come to find out my score had declined significantly. As I clicked through to understand what had caused my score to drop, I saw for the very XXXX time in my life, an outstanding balance of {$49.00}, reported by Trinity Asset Management llc. There is no information about where this " balance '' originated from what so ever. I have never once received any mail, calls, or emails regarding this " debt '' or " overdue '' account. I believe this to be a fraudulent claim and would like to request an investigation to validate that this is indeed not a legitimate claim. If at all possible, please handle this claim with a high sense of urgency, as I will not qualify for my home loan if this does not get addressed and removed form my CR ASAP. I appreciate your help and consideration. If you need to reach me for any reason, please call me at XXXX at any time. Thank you, XXXX
XXXX  from  XXXX   XXXX   XXXX  in the amount of {$1000.00} was place on my credit file as a derogatory item. Spoke with  XXXX   XXXX  today at  XXXX  EST and they have admitted the error due to filing the claim with an incorrect policy ID prefix. They state th at 3 notices  were sent to my current address ; however I have no record of them.  XXXX  has also stated that although this was their error, and the claim will be submitted and paid, that it will not be removed from my credit report. This derogatory item has deducted several points from my FICO score.
MJ ALTMAN COMPANIES - trying to collect a debt which does not belong to me. I have contacted the creditor, a medical company, and then have no records for me in their system. I reported this to MJ ALTMAN on more than 1 occasion, and they refuse to stop the collection. They have now reported me TWICE - two trade lines, to the bureaus, for a debt that does not belong to me. This has taken my score down over 100 points. Please help me in reaching out to this company. They will not go back to the creditor as I have to check the mistake. TY
XXXX / XXXX / 2015  {$2200.00} The following agency is not bonded in TX and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed. I am also unaware debt collector and the original organizations. This debt does not belong to me
I was told by XXXX XXXX XXXX XXXX that I could try service for 30 days, and if not satisfied cancel free. They are trying to collect {$280.00}. 
I have had numerous conversations to solve the situation with no results.
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
I took out a loan with back then was  XXXX   XXXX  for an amount of {$5000.00} for student tuiton in  XXXX . Fast forward 4 years to  XXXX . That  XXXX  I graduated. I believe interest accurred and the loan came out to {$7000.00}. During my 4 years,   XXXX   XXXX   added on {$2000.00} to my loan.    XXXX   XXXX  made their attemp to start payments. I began payments around  XXXX   XXXX  with auto pay of {$65.00}. The interest rate varied from month to month. It was never shown to me what each months rate were. After 3 years of paying minimum paymenta got me nowhere. I decided to pay more hoping to get rid of this loan. It is now 7 years into the loan and I still owe {$2600.00} with Navient. It has been so  XXXX  because {$2000.00} was added to my loan while i was in school. Their rates have been ridiculously high. And I was always kept in the dark as to how much I have paid off. The numbers are not adding up. I am still stuck wit h a 7 year old lo an.
I was a XXXX student at XXXX XXXX College when they closed down making them in breach of contract. I never got to complete my degree. When we were in enrolled we were told that we would need to take out a private loan to cover the remainder of the balance. We did this and the private loan went directly to the school never touching my hands. I did not request a stipend check for living so this private loan was solely for the school. In XXXX of 2016 XXXX XXXX in XXXX XXXX closed down and left us with all of these loans. I have called the lender and they stated I would still be responsible for the loan even though XXXX XXXX was in breach of contract. I have given up so much and missed out on so much for this school. I will have to restart my program elsewhere and put my life on hold for another year or so. I do n't believe I should be held responsible for this loan at all being that it went to the school not to myself. I stopped working so I could concentrate on school I feel like I had given my all for nothing. XXXX XXXX convinced me to get the loan out. I did n't even know it was growing interest while I was still attending. I feel that XXXX XXXX breached their contract so I should not be held responsible for this loan or at least not the full amount. While I was attending school I was making monthly payments to the private loan as instructed by the school. XXXX XXXX made it known that we would not be able to attend scho and would be dropped if payments were not made monthly. I consider myself uneducated on the whole private loan and interest thing. I was supposed to finish school this XXXX. Now I am set back. I really hope that I can receive assistance on this matter.