WillisBack/dataset-financial-user-claim huggingface dataset:
I have already disputed this debt. It has been removed from my credit report. The first time I disputed this account it was owned by XXXX XXXX. Since it was disputed and ruled in my favor ; they sold it. It was apparently bought by Franklin Collection SV. After I disputed this claim, they immediately made my account past due. I do not believe they should be able to do this for the following reasons.

1 ) If it has been disputed once, it should not be able to be sold to another company and then they report it. What keeps the individual from having to constantly dispute the same item?

2 ) If something is disputed, the company who believes they are owed should not be able to make the account derogatory during the time of dispute.

3 ) I spoke to this company and asked for a validation of debt, which is another reason why they made the account past due.

The impact on the credit score is significant. Even when this is removed I will not receive the points to bring the score back to where it was. I lost 15+ points, when this is removed I might receive 5-7 points back to my score.

Why are debt collectors even allowed??? If the original company does not want to pursue the debt or writes the debt off, another company should not be able to collect.

Most individuals do not have nor have they ever had an agreement with the debt collection agency ; only the original company. I can not collect debts for other individuals, as I am not in the agreement with either individual who may be owed.
Several accounts of mine were compromised in XXXX & XXXX. They were compromised by a contractor who worked with my company and committed identify theft, forgery and imbezzlement against me personally as well as both of my businesses. I was alerted when federal investigators approached me this XXXX how compromised all of my funds were. This person forged my signature and deposited these checks into accounts he opened in my name. Comerica has blacked balled me for suspected fraud and account abuse. When I called and asked them to review my information they refused to engage me and continued to blackball me.
follow up to citi bank good year card complaint. i will be unable to use my card again. and i wanted to report that about a month ago i was told i had until XXXX but in the response it did not say that. i now have until XXXX XXXX with no interest. we are having a law made and created about illness that is catastrophic since banks have to change how greedy they are. please confirm i have til XXXX since i am repeatedly told things not documeted in the notes that someone else after the call does not see. WASTE and improper use of my time. i have until XXXX XXXX with no interest. 
i do not need credit counselling resent the info that i do i needed and did not get loyalty so i will act accordingly. 
all banks do instead of getting to know the customer is throw things in your face. no one dies with money stop the greed.the answer i got from citi good year card means i can not use it again. to give me XXXX dollars off would have been good business instead they pay someone NOT to help a customer exactly what the definition of waste is will not support it.
I received a piece of mail that resembled a document from Bank of America. I was suspicious of the piece of mail because I do not have a Bank of America bank account nor have I ever opened a bank account under my truncated name. I also noticed that the mailing address was a PO Box # and in the letter it was asking payment to be sent to another PO Box # that was different ( XXXX vs. XXXX ). Please see the attached photo. To test the phone line, I called the number listed and it goes through a fairly believable automated system that you are able to input the last 4 digits of a fabricated account number - which I checked against a real Bank of America automated system. The fake automated system would eventually forward the call to someone who claimed to be in some sort of card member services. I hung up after reaching someone and did not speak with them. A real Bank of America automated system will give the option of using your account number or 4 digits of your social and is noticeably smarter and faster in processing. I checked the number listed in the letter and my social and thankfully an account was not actually opened under my name at Bank of America. I  wanted to bring this sort of scam to light because I feel like it has the feel of authenticity because of the automated system. It might seem fishy but others may be duped thinking that because of the automated system that then directly puts you in contact with a representative seems real enough. Thank you for reading.
XXXX XXXX  {$1700.00} Closed OR : XXXX XXXX  XXXX XXXX  Closed : XX/XX/2017 {$1700.00} Closed This information is incorrect. I've never done any business with XXXX XXXX  or XXXX XXXX  XXXX XXXX.
I have had this phone number for about 5 months. I keep getting phone calls from United Finance. I have told them on many occasions that there is not XXXX here, but they still keep calling me. I have wrote them a letter asking them to stop calling, but I still keep getting calls.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXXInquiry from XX/XX/XXXX + XXXX XXXX XXXX. 
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX/XXXX/17 I ORDERED furniture from XXXX XXXX XXXX ( XXXX ) in XXXX XXXX UT. The furniture was to be paid for with an XXXX XXXX XXXX DBA XXXX Bank. I was required to pay for the 'Taxes ' up-front. This was done with my Well Fargo Credit Card in the amount of {$100.00}. Approximately a month later upon the estimated delivery date, I learned the furniture had not been ordered. In the interim I was first told the chairs were not available, then after research on my own this was not correct. A new sofa was to be ordered with the chairs. None of this happened. The 'floor model ' sofa was retained for my order. XXXX XXXX was unable to provide the services/furniture as expected and could not provide any additional information on the order. Phone calls sent me to warehouse were there was nothing for delivery. The manager refused to talk with me. My sales rep could not provide me with any solid answers for status. The order was NOT cancelled by me, it could not be delivered by XXXX XXXX. XXXX XXXX continued to bill Synchrony Bank. I disputed the charges. Synchrony Bank ruled in my favor and returned the charges. Wells Fargo as refused to refund the 'taxes ' based on the XXXX XXXX Cancellation Policy of cancellations subject to a XXXX % restocking fee. The order was never ordered to be considered for restocking fees and the same paragraph states 'floor models ' of what was retained for my order was 'SOLD AS IT WITH NO RETURNS '. I did not order the 'floor model ' and it was never delivered to be attempted to return. I submitted a dispute with Synchrony that was ruled in my favor. I submitted a dispute with Wells Fargo of the 'Tax ' charges and was denied for reason stated about. I reopened the dispute providing Synchrony Bank 's decision and to date have not received a reply. I do not have evidence of the Wells Fargo dispute documents. The Wells Fargo system removes documents after a small window of opportunity.
Seterus, Inc. purchased my loan a few years ago and I have had problems with them from day one. You settled one dispute for me and now I have another. Account number XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. I recently had my loan refinanced by XXXX XXXX so that I could have XXXX that insurance does n't pay for. Seterus should have mailed me a mortgage Interest Statement, Form XXXX but I have never received it. When I try to call they say the forms were mailed XXXX XXXX ( from XXXX, CT ). When I try to contact them via internet it says not a working account. I am having a XXXX XXXX XXXX and wo n't feel like taking care of my taxes for several weeks after and would like to take care of it before if possible. Can you help make them send my Interest Statement for 2016? Thank you so much.
GM Financial has been reporting my auto loan is late. This loan has been pain off since XXXX 2017. I have attempted resolution with GM Financial and they assured me the issue would be addressed. As of this date nothing has been done. I have afforded them ample opportunity to fix this.
Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over 90 % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
I am a first time home buyer and I purchased a home using Stearn 's Lending Mortgage Brokers in XXXX 2016. I was failed by Stearn 's Lending and the apprasial company because I trusted what I was told by both the apprasier and the mortage broker. The apprasier valued my home for XXXX without considering the roof and the bank allowed this to happen. I am now in a hardship financial situation now because the apprasier that was selected by Stearn 's Lending to appraise my home did not appraise the roof for any damage or age issues. I questioned my Stearn 's broker about it and told her I was not happy that the roof was not apprasied and how could the life span of the roof not contribute to the value of the home. I asked for the appraiser to be contacted and asked to go back and appraise the roof but she said they were not able to interact with the appraiser because they were an independent company. That made no sense to me but sense I was a new home buyer and trusted her information I believed her. Now that I have closed on the house, I learn that there are XXXX roofs on the house with a hole in the left corner and dryrot all around the whole perimeter of the house. I 've had XXXX roofers look at the roof and both said they would not patch a roof with that much dryrot so my only option now is to replace the roof. That is XXXX plus for me to pay when it should of been addressed before I purchased the home. The roofer also noticed that part of the outside wall of the back of the house was not wood but actually plaster! I was told that the seller did that cheep repair just to sell the house but when it rains, that plaster is going to start crumbling. The seller also repaired the master bedroom celing by spraying a sealant instead of using sheetrock. Once again here is something that should of been reported by the apprasial because it was visually accessable to him but it was n't listed at all. I want CFPB to look into my problem because I am in a hardship situation and I feel like I was taken advantage of. The value of the home could not be what the apprasier set it as with a roof with dryrot and a hole in it. I feel like there was some sort of fraud or neglect by the apprasier and the mortgage broker to protect me and put me in a house that is totally functional. Since they did not protect me it has left me in a financial hardship and a home that may incure structure damage and be inhabital for me and my son to live in if I do n't get this roof and wall repaired. I am devistated, please help me. Thank you
MIDLAND CREDIT SERVICES ARE REPORTING INACCURATE INFORMATION REGARDING ME TO XXXX AND OTHER CREDIT REPORTING AGENCIES. THEY DO NOT HAVE THE RIGHT TO PLACE THIS DEFAMING INFORMATION ON MY CREDIT FILE AND I AM REQUESTING PROOF THAT THIS ACCOUNT WAS OPENED BY ME AND WHAT CHARGES INCLUDING ALL RECIEPTS, DATES, AND SIGNATURES TO SHOW PROOF THAT THIS IS MY ACCOUNT AND PROOF THAT THEY HAVE ANY RIGHTS TO PLACE THIS ON MY CREDIT FILE. I WANT THIS REMOVES IMMEDIETELY AND RESOLVE BEFORE I PROCEDE TO HIGHER LEGAL AUTHORITIES.
I am writing to the Consumer Financial Protection Bureau in regards to Transunion 's Inquiry Issue. I have tried to reach out Transunion Credit Bureau on this situation and in regards to the rude employee they refused to address my situation as I am a VICTIM of their said Inquiry Issue, They also refused to delete the hard inquires. And all I ask is for them to take responsibility and do the right thing.
I am being billed by XXXX recurrently for a line of service and phone that I did not sign up for or own. I was also told by a bank that my address submitted to them, via a credit card application, did not match the address within the credit bureaus. I am concerned about identity theft and fraud. Thank you.
This company calls our business daily.  When you answer they hang up. You call them back and they are asking for a person that does not or has ever worked here.  I have asked them repeatedly to take our number off of their call list.  XXXX 
They have called XX/XX/2015  XXXX
XX/XX/2015  XXXX  XXXX  XXXX
XX/XX/2015 XXXX
XX/XX/2015  XXXXM
After filing one complaint against XXXX XXXX XXXX, I am now complaining about how Capital One Auto Finance is handling my payoff to XXXX and generally, my new account with Capital One. Weeks after telling me they have sent a payoff to XXXX, nothing has happened, except that now I have not one, but two car payments due in XXXX. 
The delay is costing me money in interest on my XXXX account, but also it is an outrage that I am still seeing payments to two separate companies for the same car in the same month, a total of approximately {$380.00}, with the first of the two payments ( to  XXXX XXXX still showing due on XXXX. 
I can not understand or accept why sending a payoff check and crediting it to my account can be so difficult.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX ( XXXX ) XXXX BD : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Disputing error [ s ] on credit report I am writing to request a correction of the following information that appears on my Experian consumer report, according to XXXX XXXX XXXX XXXX XXXX when they requested a report : Dispute : In applying for various loans recently, I am receiving letters back denying my request due to : SERIOUS DELINQUENCY TOO FEW ACCTS CURRENT PAID AS AGREED LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION TOO MAY ACCTS WITH BALANCES LOW CREDIT SCORE ( XXXX  ) These comments are NOT true. I have attached each credit report and they do not reflect any of these things. 

I would like to request you investigate this issue and have this corrected as soon as possible. I have worked long and hard to have good/excellent credit and would like this my reports to reflect this. 


Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
I was struggling to pay my mortgage. I have XXXX children and I encountered some difficulty with one of my kids who did not initially want to sign the modification documents. However the issues were resolved and the documents were signed and submitted. I continued to make my payments and did not miss any payment. I was advised that every effort would be made to reinstall the Modification, however I was recently informed that the modification was denied. I would like to keep my home and would like this matter to be resolved.
I have disputed the bankruptcy on my credit, the federal Bankruptcy court wrote me a letter that I have already submitted that they do not report bankruptcy to the credit bureau I gave them the letter they came back telling me that their source implied that they had a third party obtain this information from the internet but refuse to give me the source of who they are getting this information from because the information they have is incorrect I have personally verified this with the courts as well as the attorney that Experian supplied as the filing attorney, this attorney wrote me a letter that he did not file the bankruptcy which I have shown to the bankruptcy court and would like to show whoever is giving them false information about public records that do not belong to me. My attorney wrote them a letter that they supply me with the source to contact directly but they keep referring to the bankruptcy court on my credit report but the court has already verified what is on my report was not mine and I have never filed bankruptcy my exhusband has but I have not and I spoke with him as well but the dates on his credit dont match mine this fraudulent information on my credit report which says the reporting agency is the us bankruptcy court did not report this to them and they keep telling me the same thing that they did not report this information and even though I didnt have to I also contacted the attorney Experian gave me the name for and he said he did not file a bankruptcy for me and gave me a letter as well as an email from his assistant. I feel like Im going in circles do I need to take legal action? I know this is a violation of the fair credit reporting act but these agencies refuse to actually look into it and just keep telling me that it was verified, but by who? I am making one last plea for them to correct this incorrect reporting the United States bankruptcy court doesnt have any agency report to them on their behalf nor do they report to they report to the credit bureaus. I just feel like I have no other choice but to seek damages at this point I have all documentation proving I have never filed bankruptcy and this is the only negative information on my report I have never had any debt so why would I need to file in the first place. This unverified information on my report is costing me thousands and preventing me from getting credit for anything how are they getting away with this, Experian suggested I purchase their credit repair to fix this so I believe this is a scam to get consumers to pay them to take care of the inaccurate reporting they clearly have a part of ... I feel scammed. Give me your source of verification!!! Where is their proof show me what and how this information was verified I had to go through a screening process with the courts to get any information about myself how can they get accurate information if it wasnt easy for me to get information on this myself its not mine please remove it promptly or I will have no choice but to seek legal action against all involved this needs to be resolved this is the crazy I have to go in circles over and over again what a nightmare.
i have submitted about XXXX complaints about this company and the run around is exhausting. everytime they respond the link that is attached is broken every single time. i do not think nco is still open or actually holds the title to my loans. if someone other than nct or aes looked at the cfpb like they say they do they too will see that in the loan default paragraph there is nothing stating i must remain in default. i can not believe the amount of laziness that is shown in this process. i do not think anyone in any of these situations truly reads these complaints and intends to read them as they say they do. i will send a complaint eveyr day for a year and contact lawyers offices if i need to. this will not go unsettled and im tired of the run around with these loans that apparently do not exist from a company i continue to contact that does not answer. do your job and fix this.
I ordered my credit report and this account appeared on my credit report. this account does not belong to me Please remove I have contacted the creditors directly.
In XXXX, I was sent a credit card statement from Macys American Express that said {$300.00} was due. Upon further investigation, I found that a series of daily {$25.00} charges were made and added up to a total of {$300.00}. I called Macy 's American Express to tell them of these fraudulent charges. The company did not remove these charges and told me that I would have to send them complete a form stating to confirm that these were indeed fraudulent charges. I received the first form, which I completed and sent back. However, I received another form stating that they did n't receive the first. I sent the second form to them. I did not hear from them and assumed that they had taken care of the problem. On XXXX XXXX, I called to confirm and was told that due to my lack of response, the fraud claim was closed even though no one called me to tell me or wrote me to tell me. I discussed this with the manager and they told me that the forms were not received due to a systems update. I asked for a form to be sent and was told I would receive it within 10 business days. I checked every day and finally called after the XXXX business day only to be told that due to the systems update, forms were delayed in being sent out to me. I have called again XXXX more times only to be told to wait for these forms. In the meantime, my {$300.00} are accruing financial charges and interest fees. I would like to have Macys American Express stop giving me the run around for 4 months and just take care of these charges as I am not liable. From what they tell me, it appears that these were online transactions due to my credit card number being stolen. The card in question is still in my possession. From all my interactions with other credit card companies, they remove the charges right away. I do not understand why it has taken so long for them to do so despite my diligence in responding to them.