WillisBack/dataset-financial-user-claim huggingface dataset:
I would like to submit a complaint against ( Afni Inc ) regarding unknown account ( s ) ( XXXX  ) in the amount of {$670.00} reporting on my credit report ( s ). ( Afni Inc ) reported and placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Afni Inc ) never provided me with notice nor did ( Afni Inc ) mail me any letters or communicate with me in any manner regarding this alleged account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). On or about XX/XX/2018 I mailed ( Afni Inc ) a certified, registered and tracked letter via the United Stated Postal Services requesting debt validation of the account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). ( Afni Inc ) has not responded but continues to report the unvalidated and unverified unknown account ( s ) on my credit report ( s ). The reporting of the erroneous account ( s ) /entries on my credit report ( s ) by ( Afni Inc ) are detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX and XXXX.
XXXX  and Transunion are violating my rights as a consumer by ignoring my disputes. I have been fighting these credit errors for a year now and sent in several disputes regarding a bankruptcy that is not mine and items/old accounts that have been paid but not removed nor updated. I've called and questioned there verification methods for the bankruptcy and the representatives can never give an explanation. I've spoken to reps at Transunion several times and they tell me " ok mame we'll remove the bankruptcy '' but when my report updates the following 30 days its still there. My credit score has hardly budged in months and my credit report does not even have as many delinquent accounts as other consumers I know and there scores are higher than mine.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but TRANSUNION failed to send me evidence of the accounts in question.. XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX
IC Systems has added a collections my credit report for the amount of {$210.00}. The debt in references was originally owed by XXXX XXXX XXXX and was apart of a XXXX with a recurring monthly payment. XXXX and IC Systems failed to send any notification of owing a past due balance and instead added the collections to my credit report. 
The account was cancelled with XXXX XXXX XXXX between in 2015 as our dog " XXXX '' was stolen from our property and a police report was made. XXXX was notified immediately via phone call at the XXXX location and our account was cancelled. 
After the cancellation we were still being billed for pet care through automatic debt on an old account that was closed. After speaking with a representative from IC Systems we were informed about a contract that apparently stated that regardless of the dog being stolen we still had to pay. We have submitted a dispute for verification of the debt and a copy of the contract with XXXX but we have not been provided anything from IC Systems. Even though the debt has not been verified it still remains on my credit report.
On XXXX XXXX XXXX I paid off the total amount of {$1100.00} owed on my Citi credit card from my XXXX bank account. On XXXX XXXX XXXX {$1100.00} was taken from my XXXX account to pay the Citi Credit Card. As of XXXX XXXX XXXX the {$1100.00} is still NOT showing up as paid on my Citi Credit Card.
XXXX appears on my credit every other month for no reason and want to no why and the purpose.
XXXX XXXX XXXX open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file
Experian National Consumer Assistance Center XXXX. XX/XX/XXXX XXXX, XXXX, TX XXXX Re : Dispute Account Information To Whom It May Concern : Im writing you in regard to these accounts on my credit report you claim I owe. Since Im unaware of these debts and its origins, Id like to formally request validation of these alleged debts. To be clear, I am unaware of these debts and according to the FDCPA, Im disputing these debts and need complete, irrefutable evidence these accounts is legitimately mine and this claim is legally yours, you are legally allowed to collect on it, as well as report it to the credit reporting agencies. 

Name of Account : Open Date : Provide Physical Proof of Validation : XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XX/XX/XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XXXX XXXX XXXX Non-validated XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Non-validated Account Please respond to me with the following information : Proof I agreed to this debt with my signature ( s ) Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof you are the owner of this account, which will require the contract and terms between you and the original creditor Proof you are legally licensed to collect this debt in my state For verification purposes, I will need your business license number ( s ) I am sure you are aware if you are unable to provide these few basic facts, you are in violation of the FCRA and FDCPA, as well as potential state and local laws. That being said, if you can not provide this basic information, and continue to report these unverified, non-validated debts, I will pursue this legally for violating the Fair Credit Reporting Act. 

Until this debt is validated, I request the above accounts be removed from all credit reporting agencies, since it is not been validated. Please remove all references regarding these debts from all reporting agencies until you can provide irrefutable evidence this debt is legitimate and you are legally allowed to collect on it as the owner of this debt. 

If you are unable to provide the proof I requested within 30 days of receipt of this notice, please remove and/or continue not reporting this account from all reporting agencies, which is mandated under federal law.
I took out a loan at XXXX for XXXX was paying back XXXX a month after XXXX payment which was a total of {$3800.00} I was under the understanding I was finished paying the loan back. As time went by XXXX XXXX was never on my credit report. Then this year in XX/XX/XXXX a lawyer from D SCott Carruthers contacted me to settle a debt that they say i owed of XXXX when my husband asked who the debt was from they said XXXX XXXX. we asked to send proof at the debt nothing was ever sent.Two months passed and in XX/XX/2018 the lawyers from D Scott Carruthers was calling 4-5 times a day demanding payments, then they started calling my place of business 4-5 times a day which i told them to do not call me at my workplace and my husband trying may attempts to try to resolve the issue at this time my husband was trying to Negotiate with them a payment plan since my husband is out of work and we are a single family income. They started threatening him with if you dont pay today we will take you to court and garnish your wedges if you dont pay XXXX XXXX up front we will take you to court and make you pay and make you pay paper fees and court fees my husband state we could pay XXXX down make monthly of no more that {$200.00} payments which is financial burden at this time and settle at no more than {$5000.00} and she stated they would think about it that was on a Friday XX/XX/XXXX they called back that Monday demanding XXXX down at {$380.00} a month settle at {$9000.00}. My husband re explained we didnt have that kind of money and she state if I dont hear a response by the end of the day I will file a judgment take to me to court and garnish my wedges. This was the last time we talked to her as of XXXX XXXX. D Scott Carruthers has never sent us anything and we really have no way of knowing how much the debt really is.
I was making my mortgage on time and then a person called me on my phone from  XXXX  they told me not to pay the bank so i make payments to them each month a total of {$6000.00}. Then they told me I did not qualify because I was working off the books on my job. Then I started working with the  XXXX  and now I am a  XXXX   XXXX  for about 3 years now.   First my loan was with  XXXX   XXXX , then  XXXX   XXXX   XXXX , then  XXXX  and now Seterus.     Each bank I send all papers all paystubs everything they want.   Then I receive a letter from Seterus saying I could not get the modification because I did not give them the initial payment. They never sent me anything about the trial payments. Please help me save my home.
Recently XX/XX/2018 shellpoint foreclosed on my home. I paid the account including past due fees. I paid it current to bring it from foreclosure, I had to pay the attorney fees, appraisal fees, etc. Shellpoint sent me a letter stating I owe Attorney fees and my account is still past due. I believe they are scamming me out of my money. I have requested the appraisal report, they refused to send it ... I'm not even convinced that they completed an appraisal of the property because if they did they did realize that the property ( home ) is burned to the ground. I want to know how was my money applied to the Account if everything is still past due and I still owe all those fees. Please investigate this issue.
The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.
An account from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) in the amount of {$250.00} began reporting on my credit report on XXXX XXXX, 2012. Despite constantly disputing this debt with Equifax, the debt still remains on my account. I have yet to receive correspondence validating the debt or a copy of the original debt with my signature. The account has been removed from my other credit reports due to lack of validation.
I filed bankruptcy in XXXX 2010 and there was a loan from XXXX and now they are trying to call it a student loan. the loan was included in my bankruptcy which was discharged this past XXXX and now ACI of XXXX, NY is sending me letters and calling stating i owe {$7300.00}. i am also wondering why they are trying to collect on the debt and the statues of limitatons are 6 years and the loan was taken out in XXXX XXXX i am just getting out of bankruptcy and who has that kind of money. i want to request a discharge because i am disputing this debt.
On Saturday, XX/XX/XXXX I received an email from XXXX that my account would be deactivated if i did not confirm my account and login. Without thinking this was fraud, I IMMEDIATELY responded to the email. After responding to this email, a transfer in the amount of {$220.00} was done to someone by the name of XXXX XXXX. Leaving me with only {$0.00}. As soon as I noticed the transfer, I IMMEDIATELY contacted Bluebird American Express in regards to this unauthorized transaction and entered a dispute with an agent over the telephone on Sunday, XX/XX/XXXX. During the dispute, they adviced me to send the email that I received in regards to the scam ; I forwarded the email to XXXX ( I will attach a screenshot of this original email and the forward i sent ). However today, Monday, XX/XX/XXXX I received an email stating the dispute was declined and my account has permanently been suspended. I then called account services and told them what is going on and they mentioned that the account being closed is permanent, however they will try escalating the issue and see if they could credit me the money back.
My creditor is charging me a " late fee '' when I made payment arrangements with one of their online agents. From the chat I asked the agent to process the payment : " XXXXXXXX XXXX : XXXX XXXX : You just need to make the payment chat or call us for the allocation process and we will be glad to do that for you. XXXX XXXX : CustomerXXXX : I need that " allocation process '' now. XXXX XXXX : XXXX XXXX : Sure, let me help you with that. '' She did not make that payment for me, so now, they are you charging me late fees in the amount of {$27.00}. 

Additionally, the Synchrony account website pages are extremely confusing to navigate with minimal information to help consumers understand their account staus '. They tether you to " agents '' that don't seem to do what they say they will, or otherwise make confusing statements in the chats.
Independent Recovery Resources has placed a collections account on my credit report for XXXX XXXX. I was never to XXXX XXXX. My ex husband took my son there and XXXX XXXX did not submit to my sons medical insurance correctly and therefore did not get paid. By the time I.T was realized, too much time had passed and therefore they could not collect from the insurance. I sent XXXX XXXX XXXX the letter from the insurance carrier proving that I.T was not submitted correctly. There are two accounts from XXXX XXXX with Independent Recovery Resources. They only removed one account from my credit report. I have called over 20 times in the last 3 months requesting someone to call me back. I keep being told that the manager is handling the account. I have requested to have a letter sent to me about the removal of the one account, but once again nothing. I can not believe that this company can completely ignore my requests. I am not the medical insurance holder and I have never signed anything or even walked into XXXX XXXX. How can this company ruin my credit and not even return my phone calls. I honestly do not know what else to do to get them to return my phone call and remove the account from my credit report that is not mine.
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX, these all hard inquiries that I do not approve. Transunion
I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT
On XXXX XXXX, XXXX my wife sent a letter to XXXX XXXX, stating that we were changing health insurance companies to the group policy that her employer offered. The new policy would become effective on XXXX XXXX, XXXX. XXXX XXXX apparently did not receive the letter, so we sent the letter 3 more times over the next few months. In XXXX of XXXX, I re-sent all of the documentation and another letter to XXXX XXXX, Certified Mail - Return Receipt Requested - see attached proof of delivery. Now XXXX XXXX has hired a debt collection agency and they are both claiming that XXXX XXXX never received my cancellation letter and that I owe them for 1 month of premium for coverage that I did not receive, request or use. The proof is clearly available in the Certified Mail Receipt and their statement that I never notified XXXX shows that they are not able to manage their own mail and deliver important documents to the designated departments within the company ( XXXX ).
I took this loan out in an emergency basis for XXXX. I have been making payment of XXXX every two weeks since XXXX. I have paid them XXXX back and I am struggling to pay the rest. I called to see if I could try to pay early and negotiate a price and they stated if I 'd like to pay off early it would be XXXX. That 's still more than I initially borrowed plus the XXXX I 've already paid them. I can no longer pay my bills with almost XXXX going to them. I 'm desperate for help with this predatory lender.
Reference : XXXX. XXXX XXXX XXXX XXXX have deny an auto loan based on* Serious delinquency, and public records or collection file*Time since delinquency is to recent or UNKNOWN*Number of accounts with delinquency*Lack of recents revolving account information*Number of recent inquires on credit report. *Credit score XXXX
This company Ocwen Loan Servicing XXXX has accessed my consumer credit report without lawful authority. I contacted them via facsimile transmission on XX/XX/XXXX. They have not responded. I asked them to send me any documentation that shows I gave my consent for them to pull my credit report and violate my constitutionally-protected right to privacy. 

They have not sent any documentation showing that I have given anu such consent or that I have any kind of previous relationship business relationship with them. In fact, they have not responded at all. I am invoking the office of the CFPB to take any measures necessary to make them correct the violation before I file suit. If they respond with anything relating to accessing my credit report as being a soft " pull '' that will be unacceptable. 

An identity theft affidavit and police report will be forthcoming.
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX Loans and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX had a case against them due to this very issue.
On XX/XX/2018 @ XXXX XXXX I called XXXX XXXX at XXXX extension XXXX is the assigned CitiMortgage Single Point of Contact for my account number XXXX. XXXX XXXX is listed as my dedicated SPOC as recent as Mortgage Account Information statement dated XX/XX/2018. The issue is that my telephone call on XX/XX/2018 at XXXX XXXX to XXXX XXXX was interceded by a XXXX XXXX employee ID # XXXX who inquired as to the reason for my call to XXXX XXXX. In reply I stated that I had some questions which were 1 ) is my account insured by the FHA or VA, 2 ) is the mortgage loan owner XXXX XXXX or XXXX XXXX, 3 ) is there a foreclosure effective date ( s ). But XXXX unapologetically and with a cavalier demeanor dictated to me that those questions should only be addressed by my attorney ( presuming I have an attorney ) directly to the CitiMortgage Foreclosure Attorney XXXX XXXX XXXX because the account is in litigation. On the contrary when I explained to XXXX that I do not understand why CitiMortgage is prohibiting me from seeking answer to the list of questions in my capacity as the account holder ; XXXX authoritatively insisted that I call their Foreclosure Attorney XXXX XXXX XXXX.
Equifax leaked my credit information. I am now forever vulnerable to be a victim of identity theft.
I took out a loan with Big Picture Loan on XX/XX/XXXX for {$870.00}. My goal was to pay it off in one payment, however, it did not work. So I called ( XXXX ) XXXX and talk to a represented to find out my options. I was not told that the interes5t would be compound daily, also it was not in the disclosure. I was able to make the payments on time until Big Picture loan started to debit my account before my Social Security Check got to the bank. Therefore, I stop payment to keep the bank from charging me fees. Additionally, my husband had to get a loan with them to for XXXX. They wanted to charged him {$32000.00}. for duration of the loan. So again they would attempt to take the money out of the account. Moreover, to pay his loan, I paid {$1100.00}. through my debit card. On XX/XX/XXXX, I attempted on six occasion to pay the last payment of {$360.00}. Nevertheless, it would not go through, and it showed up on my bank statement as a foreign transactions. Then I asked if I could send a money order to them, the representative wanted to do a debit knowing it would not go through just to continue with the daily int. Finally, the interest is way over the amount of what was borrow, and the harassment is awful. I did make the attempt to pay the final payment but that compound daily interest is not what I agreed too.
I reviewed my credit report and noticed a debt that had been paid yet it is still appearing on my credit report. I do not owe this debt and would like to have it removed from my report from all three of the major reporting agencies.
On XX/XX/2018 at XXXX XXXX, I was notified by XXXX of a transaction that had just posted. This was a fraudulent purchase, and someone must have hacked my Paypal account. Paypal had transferred funds from my credit card for this fraudulent purchase. I filed a claim with Paypal, XXXX, and my credit card immediately. Paypal responded that based on my history of XXXX purchases, that they believe this was not fraudulent. When I tried to dispute their judgement to my claim, their system does not allow you to respond or re-address the submitted dispute. They are basically telling me too bad, we dont believe you. They block you from further discussion of your submitted claim. It least my credit card believes me. Unbelievable!!
I never had an account with this company, this is a collection agency. I have filed a complaint with this office before about the company Trident Asset Management, at that time the 4 items were removed XX/XX/XXXX and now placed back on my credit report on XX/XX/XXXX. Fraudulent.