WillisBack/dataset-financial-user-claim huggingface dataset:
The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/2018 at XXXX XXXX Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.
I did not order newspaper delivery ( XXXX XXXX XXXX XXXX and I 'm being charged for it
i have a vehicle financed by XXXX XXXX XXXX. I am receiving several phone calls from them on a daily basis every time I am late on my payment. Even the day payment is due including Saturday 's and Sunday 's starting as early as XXXX est up until XXXX. I advised them that my payment will there a few days after the due date and they still call me several times in a day. I asked if I can get my due date changed to coincide with my pay date and was advised that they could not change the date. did not give me a reason.
Since XX/XX/2016 I have been in a fight with AmeriHome Mortgage about them not paying my property taxes from my escrow account. I have received tax bills from XXXX showing delinquent and current taxes owed. When I call AmeriHome they insist there are no taxes due. I have advised them that they had the wrong parcel # ( XXXX ) on my account information and the correct parcel # ( XXXX ) as shown in the documents I signed at closing and as shown on the tax bill. They have been saying for 5 months now they are checking with XXXX Tax office to verify parcel #. At least that is the story I get every time I call or email them.
I wanted to close an inactive checking account with this bank. They claimed I still had an outstanding claim with them. From almost the maximum 90 days. What do you know? They reversed the claim and tried to extort the money from me ( a fee ) in order to close this account. They also locked me out of online access to my account and I was unable to verify the details of this alleged transaction. They now have sent me to collections, with no notification, for this extortion money.
I am disputing accounts reported by The Starks Collection Agency INC ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to The Stark Collection Agency , Inc . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from The Stark Collection Agency INC that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XX/XX/XXXX. In the letter The Stark Collection Agency , Inc. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.
On  XXXX / XXXX / 2017 , I closed my Bank Of Ameri ca account- I tal ked to some sack of  XXXX  named  XXXX   XXXX  who refused to provide me with a written letter. I was extremely careful to change all automatic payments over to my other account and have no pending debits. Having not received a printed statement in the mail for many, many years, suddenly the usurious company, enabled by bank deregulation, has begun sending me account statements about the account I closed. The  XXXX   XXXX  did give me a sheet of paper that is labelled as my " Account Closing Summary '' and yet they suddenly are treating it as though I have an account. It 's threatening and it 's total  XXXX  and I want the  XXXX  account closed permanently. This company has stolen hundreds if not thousands of dollars from me in fees over the years and I do n't trust them to not find some reason to charge me now.  XXXX  Bank of America.
On XX/XX/XXXX there was an unauthorised transaction ( {$2000.00} ) on my credit card with a merchant ( XXXX  XXXX XXXX ) in XXXX. I gave the card to the merchant to check if it could be used as it is a USA card but the transaction was not authorised. I disputed this transaction and the credit card company resolved it against me ( on XX/XX/XXXX and again on XX/XX/XXXX ). I made the payment in XX/XX/XXXX.

I went to the merchant recently ( XX/XX/XXXX ) to resolve the dispute but to my surprise learnt that the merchant did not receive my payment. The merchant shared documents which clearly state that the merchant bank issued a permanent debit to their account for lack of sufficient proof. 
When I checked with the merchant bank, they are saying they issued a permanent debit to the merchant. They want my credit company to raise a second charge back request and then they would credit me but my credit company is saying they had already resolved the dispute and can not help anymore ( letter dated XX/XX/XXXX ). They want me to resolve with the merchant but the fact is the merchant doesn't have my payment as it was permanently debited by the merchant bank. 

To summarise, my credit card company resolved the dispute against me and I made the payment. 
The merchant bank issued a permanent debit to the merchant and ruled that the transaction is invalid.
I am in the process of obtaining a mortgage. I applied with a mortgage company that after looking at my credit report indicated that they not process my application because I have XXXX accounts with disputes, and that they would not process the loan unless I remove the dispute. XXXX of the disputes is with collection accounts with XXXX. 
I had disputed the account because XXXX was never able to validate the account and they are claiming an amount for medical services received in NJ in 2012. I have not received medical services in NJ. Last time I received services was due to hospitalization in 2012. 

Reluctant to do and following the instructions of the mortgage company I requested ( see attached a removal of the dispute ). Transunion incorrectly classified the account as a new account placed for collection. My credit score declined overnight from XXXX to XXXX due to the wrong coding of the account. 
Although, I know I do n't owe the money I called XXXX to try to settle the account because I will not be able to obtain a loan with the decline in the credit score caused by Transunion. When I called XXXX today they indicated that they do n't have that account anymore and refused to provide me with an explanation of what happened. Nevertheless Transunion continues to report the account and now to make matters worse they reported this as new account placed for collection. 
In addition to that Transunion does not let me do a new dispute online to provide them with the information I am including here. 
I am requesting that Transunion take immediate action to remove the account completely from my credit report and bring back the score to the level it should be without that account.
Ditech has called everyday for four days ( Tuesday, XXXX XXXX, 2016 - XXXX XXXX, 2016 ). I advised each caller that I had already spoken to someone in previous days. Today, I got two calls within two minutes of each other ( XXXX and XXXX ). Based on previous experience with them - especially with the representative XXXX 's manager -, I believe Ditech is purposefully harassing me to to force me to make promises of payment that I am not certain I can keep at this time.
On XXXX XX/XX/2018, an unauthorized transfer of {$3700.00} from my joint checking account ( USAA ) to an unknown account ( later determined to be XXXX XXXX XXXX XXXX. I immediately notified my bank, USAA, that same morning, XXXX XXXX, of the fraudulent transfer. I also followed up in writing to USAA on XXXX XXXX, XXXX XXXX, and XXXX XX/XX/2018, and requested the funds be returned to my account and that they pursue the fraud investigation. USAA responded on XXXX XX/XX/2018 that their fraud investigation is complete and they determined no fraudulent activity. On XXXX XXXX, USAA responded that their decision was based on multiple USAA system security records. Apparently the fraudulent wire transfer occurred due to fraudulent online access to my USAA checking account. USAA has failed to return the funds to my account as requested and they have failed to adequately investigate this incident. 

On XXXX XX/XX/2018 I notified XXXX XXXX XXXX, by both mail and email, of the fraudulent transfer to their account. XXXX XXXX XXXX responded that I must first work with my bank, USAA, to contact them about the fraudulent activity.
XXXX is the only one that 's right the other XXXX have incorrect information on them. I am tired of trying to get the old information off my credit report. Most of the stuff that appears if before 2010 and has resold to other collection companies.
Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) AMERCIAN EXPRESS ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX. 
XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed. 
I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; and XXXX
XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN XXXX: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX   XXXX on my credit bureau and it's negatively impacting my score.
I disputed an account name XXXX XXXX with the CRA Equifax. After reviewing my account with a credit monitoring service it showed XXXX XXXX as being removed and then reinserted. I never received any written letter/notice of such reinsertion nor notice that I have the right to place a statement in my credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ). Legal restrictions against reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ). Credit reporting agencies can not legally report back an account that was removed from my credit file after a dispute. They will be in violation to the fair credit report act and to the federal trade commission guideline and many other federal and maybe state laws. I was never notified that they had removed it and was putting it back on my report.
I was paying a debt that I owed and entered into a payment arrangement with the collection agency. and when the debt was settled they continued to charge my debit card and collect the arranged amount. after the second time they collected this amount from me I received a letter stating the debt has been satisfied .it was satisfied XX/XX/XXXX but there was an overpayment XX/XX/XXXX and they collected again XX/XX/XXXX .when I received a letter stating they were going to charge my account again XX/XX/XXXX. I called them and it was then she told me they were now collecting for another debt. that I knew nothing about. I have never received notice of this debt. or any statement for this new debt. so I asked for them to refund the money that they took from me but she said they would not refund it even though I disputed the debt. to me this is criminal and should be treated as theft.
I recently called and submitted a letter to paramount recovery systems asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask paramount recovery systems to remove the collection from my credit report until the debt is validated.
The payment system and deceptive billing practices used by XXXX  seem to intentionally cause customers to default, or have late payments.

For example, if a person makes a payment on the due date. XXXX  will not process the payment until a few days later and post the payment on the day they processed the payment ( not the day it was made ). Therefore, the customer incurs a late fee for a late payment.

A second scenario, a customer makes a payment 3 days prior to the due date. XXXX  still processes the payment after the due date and post the payment to their customers account after the due date. The customer still incurs a late payment fee, because XXXX  did not process the payment until after the due date, although the payment was made before the due date.

The payment system used does not seem stable and has had issues processing payments. Also, causing customers to keep trying to make a payment online and sometimes will cause the customer to be late. Or force the customer to submit a payment in an alternative method ( mail ) which will also cause the customer to incur late fees and a late payment.

XXXX also reports an account as " Closed '' to the three Credit Agencies, even though the account is truly not closed by XXXX or the customer.
Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from XXXX XXXX. I opted out from reporting. This information. Should to be verified once disputed.
I'm complaining about Experian. 
In my XXXX years on earth I had outstanding credit because I never missed a payment or even made a payment late. Ever. 
Within days of receiving my statement i called XXXX XXXX to request the payoff balance of the account. I immediately paid the remaining balance in full and closed the account. 
XXXX XXXX for some reason added charges to the account afterwards of which I was unaware. 
I was never contacted by them in regard to the charges and found out for the first time when I saw that my credit score was blasted from over XXXX to below XXXX by Experian. 
After inquiries, I contacted XXXX XXXX and resolved the issue which was their mistake. 
Now my credit score is still below 700. 
I feel that my credit score dropping almost 200 points because of something that was not my responsibility is unfair. Especially considering my flawless lifetime history of timely payments and financial responsibility.
Hello CFPB, I would like to bring to your attention the harassment policies that the CHASE bank has used against me. I opened a chase account providing all information which was asked at the branch making a copy of all documents as well. however they hit my credit for a credit card which they never gave to me and sent me a letter that i need to submit documents which i did again by going into the branch at XXXX UT. they again kept sending me the same letter until i asked them to stop by going in the branch again. 

now they again sent me a different letter that they are closing my chase account without prior notice and gave me the excuse that i dont have an ssn but i have been submitting taxes for the past 3 years on time and i gave them my ssn card to make a copy 4 times. they never sent a notice letter before and directly closed my account due to which i didnt get my direct deposit. these criminals at chase need your audit as they are doing frauds with customers like me who we have to suffer
i disputed the tax lien with trans union a few times, and they came back verified, when i called to request a method of the verification, and i told the rep that this is not a good verification, so he called the county court clerk to verify the information, and the county court told trans union that they do n't furnish or verify any information and that means the investigation of the dispute is over and the results is unverified, therefore the information on my report is unverified information and needs to be removed from my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX social security # XXXX XXXX XXXX XX/XX/XXXX social security # XXXX
I hired a law firm to help me with some of my credit issues. I have an account with XXXX XXXX and the law firm that I hired confirmed that the last time I made any payment was in XXXX of XXXX. According to my attorney, this account is past the Statute of Limitations and also past the reporting period for accounts to be reported on a persons credit report. They first sent out a letter via fax to inform them of what my attorneys stance was on XXXX XXXX XXXX. On XXXX XXXX XXXX I checked my credit report and the XXXX XXXX account still remains on my credit report. On XXXX XXXX XXXX, my attorney 's office called XXXX XXXX to follow up on the letter that they had sent. XXXX XXXX stated that they will continue to report it to the Credit Bureaus because the time started when the account was charged off in XXXX and not when I made my last payment in XXXX of XXXX.
Debt Collector repeatedly tried to collect a XX/XX/XXXX debt I allegedly owed my graduate school for medical services/prescriptions not covered by my school insurance plan. Over the phone, my mother paid the debt collector {$410.00} by credit card on XX/XX/XXXX, based upon their employee 's verbal promise to reimburse her if we could prove the debt had been paid by the insurance company. If I ( or my mother ) did n't pay that day, the employee said they would make an adverse report to the credit bureau. My mother sent them a statement from the insurance company reflecting they had paid the school but the collector will not refund her money despite her written request.
Resurgent capital, LVNV Funding LLC, does not prove the debt is mine. The burden is on them to prove this and they have not done so. They state it meets FCRA requirements, IT DOES NOT.     They are required to remove the trade lines from all majo r Credit reporting bureaus. (  XXXX ,  XXXX , and  XXXX  ).
XXXX sent me a cancellation bill. Before I had moved to my new home I called and told them I was moving outside of their service area. According to the contract I signed I was not responsible for any cancellation fee if moving outside of their area. I received the bill XX/XX/XXXX. I called XX/XX/XXXX and tried to explain they were mistaken, but was transferred in a circle about 5 times before I just caved and paid due to their XXXX tactic to get people to pay for things they were n't responsible for. They cashed my check on XX/XX/XXXX and then sent the bill to collections in an attempt to collect payment twice. I called XXXX and confronted them about it and the " supervisor '' said he 'd look into it. I then called the collection agency which informed me I still owed them the same amount. XXXX never notified me or reached out in an attempt to collect the money due and never sent a second notice other than the original bill which was received 3 weeks ago. They have tarnished my credit which has never had a missed or late payment and they did this over a bill that was paid in full immediately after receiving their first notice.
It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXX processing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed..

This 30 day late and all comments on my credit reports for XXXX XXXX needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.
American Education continues to contact me even though I no longer wish to deal with them, they have threatened wage garnishment against me even though I am not being sued, I checked with my local casenet and no pending lawsuits against me. They are a scam because their supervisors do not know anything, XXXX XXXX claimed to the Illinois Attorney General that I gave them my mother 's phone number as a way to contact me when that 's not true. A 3rd party company named XXXX changed the phone numbers because they admitted it to my attorney because a FDCPA case was settled with me. I would never given my mother 's phone number to contact me because that is not a way to contact me. I have advised them not to call me but they claim per my promissory note that I agreed to it, I do not have a written contract with then I can go online to make payments. Also, I need the credit mark removed from my credit because my bank did not pay the {$25.00} on XXXX/XXXX/16 due to a system glitch in the system therefore this is not my mom 's fault or mine for that matter. I have a letter from my bank explaining that information. American Education Services uses legal action to scare people but I will have an attorney as of Monday, therefore no more contact with me because it will be illegal to contact me since I will have an attorney on Monday. I will not make anymore contact with them. Now I recieved a letter from them claiming a name issue, I have not changed my name at all so I think this is a ploy.
I keep getting robo calls from the number provided with my name in it. It states if I am XXXX XXXX I need to return a call for a debt owed. Not once have I ever received any notice about a debt owed in writing which by law is required for issues of such. When I call back, they know who it is already, with out asking any information, they tell me they are not required to put anything in writing and it is becoming out of control. This is fraud and they need to be stopped
Basically i came to the end of my car loan, made the last payment and got a confirmation number. A week later the funds were still not taken out of the account, i called Mid Atlantic Finance back to find out what 's going on - they said the method of payment - check over the phone - can not be done for the last payment. I payed using this method for 15 consecutive months. When i payed off the car the first time the final payment was about {$330.00} + {$6.00} ( the XXXX is the fee just to make a payment ). When i payed it yesterday the new final balance was {$350.00} and the {$6.00} was waived. So basically i payed interest on an account that should have been closed, this constitutes fraud and after doing some research found all sorts of people with similar stories dealing with mid atlantic finance.