WillisBack/dataset-financial-user-claim huggingface dataset:
Company continuously contacted me about a debt. I explained that I never received a bill and did not believe I owed any amount. Requested a copy of the bill and they sent me the debt collection letter. 

Threated that if I did n't pay the amount would be reported to my credit. Said I should pay because the amount was small and that I would n't want an amount that small affecting my credit. 

They effectively strong armed me into paying a debt I still am not certain that I owe
Loan paid off through auction but total loan amount is still reporting negatively which has prevented me in getting a new car loan? 

This is what its currently reporting but the entire loan has been paid off? 

You've paid off 26 % of the original amount. 
Balance {$20000.00} Highest Balance {$27000.00} Monthly payment {$670.00} Opened XX/XX/XXXX ( 4 yrs, 6 mos ) Term 74 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Automobile Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX
Bank  of America  offfered free checking because they were my mortgage servicer so I opened an acoount. Bank  of America tran sferred my mortgage to a new servicer on their own and breached the account terms and now illegally charge me {$25.00} for my account which should be free. Also, they charged me {$35.00} overdraft this month because the illegal monthly fee they charge me made my account go negative and they refuse to stop the monthly fee or refund the {$35.00} overdraft. I have also incurred expenses since they switched my mortgage servicer since I have to send the payment each month with tracking to Texas instead of just going into a Ban k of America branc h.
My Mortgage Bank is : Ocwen Loan Servicing LLc I was offered aapplication Modification but after I sent the application, but after that, they started to refusing my payment, my credit is getting very bad and when I called last time after several timer per week and i Got HAng out, finally, this person told me that this bank will take my home and i have nothing to do, I told him tha I 'll find if I have the right to fight and get my home but he said they have the best lawyers and if do n't have plenty money he would n't reccomend me to fight because any ways I have everything to loose. 
Im very XXXX and I do n't know if I should keep XXXX or not because I work to hard for my home and now instead of getting a modification with government help that they mentioned to me, I ENDED UP LOOSING MY HOME. 
NOW I UNDERSTANG WHY MANY PEOPLE XXXX, BUT THEY DID N'T LEAVE A LETTER MAKING BANKS RESPONSIBLE FOR THAT, THEY MAKE PEOPLE XXXX WITHOUT CARE ABOUT OTHERS BUT JUST THEIR MONEY.
Paid off an old navy and a walmart card in full, for a total of XXXX missed a walmart payment and used it regularly. Was thanked for the payment in full by dropping my credit from XXXX to XXXX dollars. XXXX disappeared. 

Paid off old navy in full at XXXX, even after my credit was lowered for no reason. I was thanked for paying in full by my account being closed. That XXXX plus earlier payments of XXXX disappeared. 

Synchrony stole around XXXX in payments, and despite my good fAith as far as having access to my credit that i paid, and despite my timely payments, they lowered credit and shut down accounts, thus damaging a credit score that should have improved due to my actions. I consider this fraud and theft and they should be penalized.
Discover is stating the wrong current balance for my credit card. Please see attached screen shot. That math does not add up and discover owes me {$74.00} for the difference. Thanks.
I have a car loan through CarMax Auto Finance and submitted 'Principle Payment Only ' payments to them in XX/XX/XXXX and XX/XX/XXXX. The first payment was in the amount of {$2100.00} and the second one was in the amount of {$1200.00}. Each time the finance company deducted interest from the payment instead of applying the complete amount to the principle. Multiple calls had to be made to have them correct the issue. The customer service agents seemed unconcerned and unaware of the gravity of the error. CarMax Auto Finance had stated several times that I needed to contact them after the payments were made to let them know that the payment was on the principle, so they could apply the amount correctly. Each check had 'Principle Payment Only ' clearly written on it.
Currently on 3rd dispute with Experian ( not on any other CR ) XXXX account number per CR XXXX 1st disputed as not mine and supplied police report, ftc, and statement. 
Experian response will take 30 days. When I called up they said 605b request to block must name XXXX specifically. 

2nd dispute, supplied police report with XXXX named as fraudulent. 
Response from Experian wait 30 days request for block denied with no reason. 
30 days passed account changed from charge off with balance to charge off XXXX balance? 
I recived a letter from XXXX stating I am no longer liable for the debt. I uploaded document to Experian and called in. 
On XX/XX/XXXX Experian employee XXXX XXXX ( Super helpful ) actually called WFDS with me on the line. 
XXXX - we do n't have that account number. 
Can we try your Ssn. 
We found that account, charge off with ( name edited ) account included in bankruptcy with ( name edited ). 

Me- this is a fraudulent account, I did n't do-sign with her. 

XXXX would you like to open up an investigation? 

Me -yes. I also have a letter releasing me from liability of this account! 

XXXX correct you are no longer liable. 

Experian - response, we ca n't remove it as XXXX did n't verify it as fraudulent. Open up a case with them and then re-dispute. 

So how did they ( Experian ) investigate this the last 2 times if XXXX has no inclination that I was claiming it as fraudulent. 
I need ( Experian ) to follow FCRA 605b Block fraudulent information and or conduct an adequate investigation! 
The account number it self is n't even correct! 
Maybe start off by telling the creditor that it is claimed as a fraudulent account.
on the XX/XX/18 i went to PNC bank to pay my monthly credit card bill i was told by the bank representative that card i was using was discontinued so he was going to send me a replacement card. i tell him that's ok. two weeks later i received a letter from PNC bank saying i was denied credit because of low credit score, the letter came on XX/XX/18 i call the bank on XX/XX/18 to let them know i did not apply for any new credit they were supposed to send me me a replacement card for the one i had which the representative says is discontinued and i did not authorized him to run my credit score, and he didn't mention anything about my credit score we did not have that kind of conversation so it has to be a mistake. they apologize for what happen and told put it in writing disputing what happen and mail it to them, which i didn't.
I filed a dispute with transunion over an alleged debt from XXXX XXXX that came back as " verified ''. This is a screenshot of the results. But how can an account be closed on XXXX/XXXX/XXXX yet the last supposed payment was on XXXX/XXXX/XXXX?
Merchants and Medical Corporation has violated numerous sections of the FDCPA and FCRA. The most glaring of these offenses being lack of verification within the first 30 days of communication. This is my second complaint with this specific issue to the CFPB and upon research have found numerous others. I have remained within my rights while dealing with this company and even on XXXX occasions stepped out with an olive branch and offered to accept a letter of deletion considering how worried they are of not being paid. They have also refused to produce proper means of securing an address or business license number for me to move forward with a civil case against them.
I received an email that a dispute I filed yesterday with Equifax was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. 
I initiated a live chat on Equifax website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me.

She then gave an email address that is invalid. I attempted to live chat with several more agents on Equifax website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address.

I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.
comapny will not provide me verification and validation of debt yet continue to report this on my credit report. This debt is not mine
In my review of my credit report on XX/XX/2018 Portfolio recovery association is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
I took out an application on a credit card at Home Depot in XXXX 2015 because I was offered a promotion of 0 % interest for 18 months if I purchased items totaling between $ XXXX. I purchased a lawn mower for {$1200.00}. The front page of the invitation says no interest if balance paid in full during this time period. I just got my statement for XXXX and I was charged {$190.00} in interest because the balance was n't " Paid in full within 6 months ''. This is the small print inside of the offer that does n't coincide with the large print on the offer. I have documentation of all this if needed. The card is issued through XXXX Bank.
My name is XXXX XXXX. Last year XXXX XXXX, XXXX I purchased a lease from XXXX of XXXX, FL. I was asked by the cars salesman to pay him cash for my car payment so he could give me a discount. The cars salesman named XXXX XXXX, pocketed the money I was giving for my car payment. I paid him every month. I have text messages between him and myself of me giving him payment as proof. He never paid the car payment until XXXX XXXX. The reason why he paid it was because a repo man came to my job and tried to reposes the car. He paid the back payments from XXXX to bring me back up to date. He took another {$460.00} from me and never paid the car payment. I called VW and they fired him because of this. I am now behind my payments again because he took that {$460.00} from ( ( which is all on record via text ). I am now trapped in a XXXX year lease for a car payment of {$440.00}. I was promised by the salesman after a year of the lease I could bring the car back in and swap it out for a newer lease or to buy a new car. I only did this to bring my credit up. My credit is now XXXX. I am stuck in a car payment that is so high I am working a second full time job to make up for the car payment. VW will not help me get out of the lease or bring the car payment down. I 've spoken to VW credit and I 've spoken to the XXXX ( XXXX XXXX XXXX at VW of XXXX, where the incident happened. I ca n't afford a lawyer and I am really trying to seek some justice. I want to be put back into a more affordable car. I am so unhappy with the way VW handled this situation. I am a single person asking for help. They are a XXXX dollar company that can afford to help me out in this situation. Please contact me so we can figure out how to come to a resolution. Please XXXX XXXX XXXX reference number XXXX Thanks, XXXX XXXX XXXX
XXXX just now has notified me of a drop in my credit score due to a hard inquiry by XXXX on XX/XX/2016. I have not requested a credit card, or an increase in credit on my existing card, and there are no late payments associated with this card. This hard inquiry needs to be taken off of my credit report and credit score needs to be restored.
XXXX has prevented me from accessing my account and making an interest-payment for the year 2016. I 've contacted them over-the-phone and they are in disarray, do n't know how to calculate the interest and do n't know what is wrong with their website. After speaking with a representative, she attempted to calculate the interest payments by-hand, but I am not confident as the numbers I received are inconsistent for the given timelines.
On   XXXX     I received a letter from the original creditor   XXXX   XXXX   stating that the following accounts  XXXX  and  XXXX  were both apart of fraudulent accounts and that they would be removed from my accounts. I was over joyed with excitement when I seen the accounts removed from my  credit score. But Portfolio Recovery  XXXX .  Is n't budging they I assume bought the debt from   XXXX   XXXX  . I sumbited the paper to the credit bureau to have all the accounts regarding those debts deleted.  One account    XXXX  is {$680.00} and  XXXX  {$700.00} as it shows on my credit report. I feel as if the original creditor found it fraudulent then I should n't be responsible for the others.
This was an unauthorized credit pull. I did not want their Credit card. 
XXXX XXXX in XXXX, MN pulled my credit report and caused a hard pull. I did not authorize them for a credit card pull. I was trying to get signed up for just a XXXX XXXX Rewards card. Please remove this inquiry from my Credit report.
My name is XXXX XXXX. I am having trouble paying my son 's student loan. I tried to lower my payment. But I was told that I couldn't..
THIS IS A NEW COMPLAINT WITH NEW INFORMATION! Please review the updated information so that Discover is required to respect the law. In 2009, I moved to XXXX. I have lived here in XXXX XXXX, XXXX for the past 6 years. Discover keeps reporting an account to my credit with a balance that is collectible with out verifying I did guarantee it or when the last payment received. They claim I have lived places with out documentation. They still attempt to collect a debt now acknowledging it is out of the statue of limitations.
I needed car repair, was offered financing via XXXX as their financing option, which I accepted. Upon picking up the vehicle I learned that the financing was at 119.56 %, which is grossly high, and very unfair to someone who needs the financing. 

I want to complain that the financing charge is far too high and should be reduced to a fair rate, of under 50 %. They are taking advantage of the financially disadvantaged person who can otherwise pay off a loan, and this is a rip-off.
XXXX ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX mortgage service company as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. XXXX has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of XXXX 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before XXXX 's false report. 

The service company name and address : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX tel : XXXX
I wrote to Transunion on XXXX XXXX asking that a Federal Tax lien dating back to 2010 be removed as it exceeds the maximum 7 years which a derogatory items can be shown on the credit report. I got no response and a recent credit report shows no change.
TLA, XXXX XXXX, XXXX MD XXXX, XXXX sent out a postcard to seniors who have a reverse mortgage which I feel is very deceptive advertising. " This is an attempt to make contact as your loan is approaching the end of its probation period '' and " Your Reverse Mortgage may be due for a change in terms ''. There is no probation period on a reverse mortgage and terms can not change.
I applied for credit and received a letter stating that my credit bureau indicates I was deceased. I called both the credit reporting agency and the card company but no one could tell me why the bureau said I was deceased, and Kohl 's could not tell me anything about the application.
Hello I currently have a mortgage with U.S. Bank Home Mortgage. In XX/XX/XXXX my wife and I decided to do short sale on our property so we hired an attorney to handle the process. While we were going through the process my wife became very ill and was diagnosed with a life threatening illness, so bad that we did n't think she was gon na make it out of the hospital. Not knowing what the outcome was gon na be I asked our lawyer to look into a mortgage modification. U.S. Bank agreed and we began that process i submitted all documents and verifications that they asked for. I got started on the trial period payments, made 2 and the third was n't accepted. After some communications with U.S. Bank I did n't like the way my lawyer had been dealing with them so I decided that it would be better served handling it myself. So I began the process all over again on my own, submitting all documents and verifications myself and waiting and waiting. So ever since I started the process myself its been very limited communications. When I would call I would be told that it was still under consideration and I would hear something soon. Finally XX/XX/XXXX I get something from them and its a notice of intent to foreclose. I contacted XXXX and they began working my case in XX/XX/XXXX of last year. Every time I 've spoken with U.S. Bank since then I 'm being told that they have n't recieved anything from XXXX even though I 've sent all of the documents and XXXX has the same contact information that i have. I 'm not asking them to lower my payments, my wife and I went through a terrible medical ordeal that we are still dealing with, but now that she 's better we only want to move the back payments to the end of the loan and get started fresh.
According to my recent credit report request from XXXX, Equifax, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification  CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
I AM ASKING XXXX XXXX XXXX, BARKCLAYS AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.
I have a Fidelity XXXX XXXX credit card which was changed to Fidelity VISA with Elan Financial Services. The Fidelity interface automatically takes you into your credit card where you can see transactions, pay bills, etc. I set up an automatic payment for the entire balance. Some weeks later, it stated the payment had not been set up. I went back into see what was going on, and experienced problems with the interface. I set up the payment again as it did not show my automatic payment set up weeks earlier. Subsequently, my credit card was charged twice and then I was assessed a {$25.00} fee by Elan and my bank when the second payment bounced. I attempted to resolve the matter but the bank will not credit the fee and I am left with charges for something that was not caused by me. Elan made all kinds of excuses and claimed it was my fault, even though they acknowledge that there website does n't show prepayments ( Fidelity 's interface does ). So, all new customers are left hanging, and with messages like the one I received indicating no payment has been set up when it was, and then leaving the customer thinking it must be set up again. Elan also failed to transfer payments set up on the old card XXXX XXXX XXXX XXXX, but transferred the balances to the new card. So, payments were made to the old XXXX XXXX card ( for balances incurred on that card ), but the balance had been moved to the new card, so the money was taken but not applied to the right card. In short, this organization ca n't find its XXXX for its yin yang and consumers are being penalized for the mismanagement of money.
I had defaulted on my federal student loans services by XXXX XXXX due to the large monthly payment. My Loan went to a collection agency who I worked with to rehabilitate a loan. During the rehabilitation I attempted to negotiate a lower full payoff of my loan which XXXX XXXX countered twice. During the third round of negotiations my loan was fully rehabilitated and sold to Navient ( Still XXXX XXXX ). The monthly payment jumped up over a XXXX per month which wa was the reason I defaulted in the first place. I attempted to continue discussions with them concerning a full pay off and they have now stated that since my loan has been rehabilitated they are no longer willing to negotiate with me as I am now obligated for the full amount after the rehabilitation.
XXXX credit reporting agency removed an account off my credit report. The account is XXXX XXXX/XXXX XXXX. This account is an account that is in excellent standing I dont no why they removed it off my report. Having this account report on my credit report helps my credit worthiness.
I have contacted each credit bureau several times about incorrect names and addresses on my report. My name is oft-times misspelled by creditors and reported wrong. I 've submitted my drivers ' license and passport to show each credit bureau the correct spelling and styling of my name as well as my address. I 've requested to have my reports updated. To date, this has not happened. I want my name ( s ) corrected. The only names that should be on my report are my maiden and former married name : XXXX XXXX XXXX XXXX I DO NOT HAVE A MIDDLE NAME. My former married name has a hyphen, not a space between the maiden and married name ( s ), nor do the two names run together with no space. The name is hyphenated. ( XXXX XXXX XXXX. <P/>
The ONLY addresses on my report should be my current residential address : XXXX XXXX XXXX XXXX XXXX GA XXXX *My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX *and my former residential address : XXXX XXXX XXXX XXXX , GA XXXX
I have been charged over XXXX XXXX dollars for schooling I never attended. I signed up for school, though I backed out, yet they still have sent me multiple emails, like XXXX a day for the past XXXX years, drummed up charges for classes I never attended, and ruined my credit. I have been permanently XXXX for the past XXXX years, have n't worked, and could really use some help from consumer finance. Thank you so much for your time and assistance.