WillisBack/dataset-financial-user-claim huggingface dataset:
I had a debt with XXXX and when I could n't pay they sold it to a company called Midland Credit who then sued me when I did n't pay them, so I have been paying them for about 7 months now and I just found out they are a scam, so I have been throwing my money away, which I really want back and have asked them and the XXXX several times, but ca n't get anywhere. The paperwork that I have for them says they can sue me again if I do n't pay them and garnish me, so I am scared, but I am sickened that I am paying a fake company and in the end this debt will still be on my credit. Is there anything that I can do?
I 'm writing in regards to a response received for a dispute filed with TransUnion. I have been disputing since XX/XX/2016 information on my credit report regarding XXXX creditors - XXXX, XXXX/XXXX and XXXX. TransUnion has responded saying " XXXX-CONSUMER DISAGREES. '' They did not address the specific question I asked about. I was not asking for verification or accuracy of the accounts. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by TransUnion. Secondly, 1 of the creditors ( XXXX/XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by TransUnion. 
In summary, XXXX/XXXX is incorrect, and this fact was ignored by TransUnion. The other accounts were addressed but my letter and specific points were not, nor was any proof of documentation provided. 
I have attached a copy of my letter sent to TransUnion as well as their response. Also included is my identity verification. 
Thank You, XXXX XXXX
Portfolio Recovery Associates is reporting bad information to the credit reporting agencies. They are reporting as a factoring company rather than what they truly are - a junk debt collector. This tactic has caused my credit to suffer as a result and they are also stating that I owe them {$840.00} whereby I have never had a credit card for that amount. The credit limit that they are trying to collect on was {$500.00} maximum. the original account was agreed to be deleted by XXXX XXXX but Portfolio Recovery Associats is still trying to collect.
This dispute is regarding account # XXXX for XXXX XXXX. 

This is a dispute letter regarding an account for XXXX XXXX XXXX. 
I originally purchased a vehicle for a 12-month lease on or about XXXX. Once the 12-month lease was up, I had the option to either turn the vehicle in and they will bill me the disposition fee or take it out of my original down payment of {$970.00}, or if I still needed the vehicle, I would have to put down another down payment for an additional 12 months. I opted to return the vehicle, which I was informed by the account rep that I had until XXXX to return the car without any additional fees being added. The account rep also informed me that if there was any damage or additional fees ( disposition fee ) that it would be taken out of my initial down payment or I would be billed for whatever amount remained. 
When I returned the vehicle on or about XXXX ( I had purchased another vehicle several days prior ) I was also informed that if there were any additional fees that did not apply towards my initial down payment that I would be billed. 

1 year later, I checked my credit report and the finance company of XXXX XXXX, has recorded a charge off amount of {$12000.00} with a 39-month term and a monthly payment of {$310.00} on my both my XXXX and TransUnion credit files, and {$6300.00} for 12 months on another with a monthly payment of {$150.00} on my XXXX credit file. 

My agreement was for 12 months with the option to lease again at the end of my 12 months and a monthly payment of {$150.00}. As of XXXX/XXXX/XXXX, this company was paid a total of {$7000.00} from XXXX to XXXX. This vehicle was returned on time with no additional monies owed. 

Furthermore, I contacted the company in XXXX XXXX to ask for my credit report to be adjusted from the amount owed/charged off amount of {$6300.00} to be corrected. The account manager then informed me that the amount that is seen is what was financed and not owed. At this point the finance company is refusing to correct their issue. After I disputed this issue in XXXX XXXX, XXXX XXXX sent me an email, with a settlement offer for {$220.00} ( for an amount I did not owe ). I asked that if I paid the amount would they removed it off of my credit report, I was told no. 

I have since called the dealership in which I leased the vehicle ( XXXX ), to request a copy of the signed leased ( I have moved since I purchased the vehicle and a lot of paperwork was lost ). I was informed by the Sales Manager that they were under new management and that they no longer have those files ( he did attempt to look for my file in their system ). I was then told to call the finance company, which I did. I asked if there was any way that I could get a copy of the signed leased and I was told no and that I basically had no rights to dispute. I was told to pay the {$220.00} and that the charged off amount would remain on my all of my credit reports for the allotted time. I have disputed this issue with the credit bureaus several times and still no resolution
We have a Pay Pal Account we use for credit card transactions for our business ... on XXXX XXXX our customer made a purchase for a rebuilt transmission totaling XXXX. In XXXX he lied to his credit card company stating he did not make this purchase ... I sent documentation to Pay Pal who assured me they were working for OUR BUSINESS and to rest assure we would not have to pay this money back ... I have NOW found out after numerous phone calls to Pay Pal and asking to speak to a supervisor and being told they would call me back ... it has been turned over to collection
XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX  can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company
Account PLATINUM CARD XXXX Transaction Date XXXX/XXXX/2016 Posting Date XXXX/XXXX/2016 Description CASH ADVANCE FEE & lt ; REFERENCE XXXX & gt ; Amount {$52.00} Company 's website will not allow consumer to dispute fees and also refuses to remove fees from phone call as well. Attached form shows that the website errors out and does not even allow consumers to even raise a concern effectively blocking them from a dispute of a charge.
Collection Agency : GC Services Limited Partnership XXXX, XXXX, TN XXXX BACKGROUND : For the past decade I have been harassed by collectors for an alleged student loan debt, a small XXXX, that was paid back by my parents in XX/XX/XXXX-XX/XX/XXXX as a graduation present. ( I graduated from XXXX in XX/XX/XXXX ). 

XXXX did n't contact me until almost XXXX years later. claiming I owed this debt. Naturally NO ONE has their banking and financial records from that long ago! Which of course, is why this scam is so insidious. 

And by then, my mother, who always handled the family finances, was suffering from XXXX XXXX. 

This latest collection agency I responded to immediately, as I always do, reiterating I DO NOT OWE THIS DEBT. 

They sent me back a collection notice, to which they attached a FAKE PAYMENT RECORD, which allegedly shows I made one payment of {$26.00} in XX/XX/XXXX 

Fortunately, I still have the same bank ; and they have just mailed me the proof that no such payment was ever made by me to the Dept. of Ed. or anyone else. 

It is SO UNFAIR AND OUTRAGEOUS that almost XXXX decades after the fact " someone '' can just " decide '' I owe a debt that I ( or anyone else! ) can no longer prove was paid! This would not be allowed in any other kind of debt. 

But fraudulently creating a document in order to " show '' something that never happened is really just too much. I will fax you the proof from XXXX that I never made any such payment on this debt I DO NOT OWE! 

I am securing a legal aid lawyer to stop this bogus debt collection once and for all. When I complained to the CFPB about this bogus debt in XX/XX/XXXX, you passed it on to the Department of Ed ombudsman, who did nothing except send me a copy of my loan application, which of course, PROVES NOTHING ABOUT WHAT WAS PAID BACK AFTER THE LOAN WAS TAKEN OUT!! 

But I would like some action, some censure, SOMETHING against this debt collection agency who is making up false financial statements!!
My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX
XXXX College XXXX XXXX practiced predatory leading made false claims of 98 % placement rate after graduation and students making over 50,000 a year. They had a a class action lawsuit that paid out in XXXX by Attorneys XXXX XXXX and XXXX XXXX. The school was placed on probation for accreditation and didn't inform student body or alumni. There were student loans taken out that were without signers consent falsely by XXXX College staff. This is deceptive practices and against the Dept of Education rules and policies. This School is now closed as of XXXX due to having numerous fines/ complaints and a XXXX XXXX special about the deceptive behaviors/ false claims/predatory lending practices of this school. I would like my federal student loans discharged due to all the above all accrued due to this For Profit College.
A Check was written to  XXXX   XXXX   XXXX  on  XXXX   XXXX ,    2017 a nd  XXXX   XXXX ,    2017 in  the amount of {$4000.00} and {$2000.00}. He forged my signature. The {$4000.00} check was not endorsed on the back and cashed. The {$2000.00} check was not. Citibank said they called me to let me know there was suspicious activity but could n't get a hold of me and Citibank pushed the check through anyway, even though it was suspicious. They refuse to give back my {$4000.00} when Citibank was negligent and they said it was my fault for not checking my account within 30 days. The police said it sounds like an inside job.
I had a Wells Fargo PMA account for over ten years, I removed money and told them to close my account. They did not close account as directed, instead they converted my checking account to a fee account. They have settled a lawsuit for doing this same thing already and they are continuing do this. The Bank regulator FDIC should be notified and this bank should be fined again, Account number XXXX
I behind on two loans and a credit card at navy federal credit union. I talk to them weekly about the matter. This week they have been calling my family members and leaving messages saying, " this is so-and-so calling from navy federal, please return our call. It is urgent. '' This is absurd. They have my number already. I find to be harassing and trying to embarrass me with my family.
Ten years ago I had a credit card and unfortunately my account was at {$10000.00}. Asset Acceptance now has control of my debt from this card. I have been paying through my work checks and have paid off {$2000.00} of the initial {$10000.00} owed. When I called XXXX XXXX, 2015 to settle this debt I was told that even though Asset Acceptance had my debt that they could not do anything and it was now with a law firm, XXXX and that they would have to take care of it. I received no resolution through Asset Acceptance, only sending me somewhere else. When I called XXXX, over ten times, I still did not receive a call back. Their voicemail stated that in order to get in contact with me I had to leave my social security number and I did not feel comfortable leaving something so secure on a voicemail. Finally after almost twenty attempts I was able to get ahold of XXXX XXXX, who bullied me to give him my name/social security number/phone number and then firmly stated he must have my address. I refused to give my address because I was advised that they do not need any information other than my name and social. He then bullied me into giving him my address by saying he would not work with me if I did not give him this information and that he will hang up and then to have a nice day so I gave in and gave him my information. He then told me that they had a different amount on file as payment received, about {$1000.00} less than what I had actually paid. XXXX then went on to tell me that if I wanted to settle then I would have to pay 83 % of my debit. The figure he gave me, over {$8000.00}, would be my settling payment. That settling payment with the amount I have already paid, {$2000.00} according to my previous employer that I have receipts of payment from, would total more than the actual {$10000.00} I initially owed. That means in order to settle I would be paying over 105 % of my debt to someone who told me I could ONLY settle for 83 %. This does not make sense. I asked if anything could be done, that I do not have that kind of money but could settle for less, and he refused everything and anything. I then expressed again that I did not have that kind of money and would have to file for bankruptcy and he said, " That 's fine. Just make sure you contact us and send us notice. '' Again, no negotiation or compromise. Settling does not mean pay in full. This was debt from ten years ago. I then expressed that I would file a complaint to the CFPB and he did not care. After all attempts XXXX XXXX would still not help. Asset Acceptance can not do anything, which they are the ones who actually have my debt, and XXXX will not settle for anything less than 83 %. Please help!
In XX/XX/2018, I received a latter from A.R.M. Solutions stating I owe a debt of {$12.00} to XXXX XXXX. I have never had a XXXX XXXX subscription ( or received a newspaper delivery from them ) and when I contacted the XXXX XXXX, they were unable to locate me in their system. I then wrote to A.R.M.  Solutions asking for proof of the debt. They have refused to provide proof of the debt but continue to send me letters demanding payment or they will report it on my credit reports. I do not owe this debt and demand proof of the debt. They refuse to provide this proof.
I have no debts but they call me saying that I do. This is extortion and unlawful
I tried disputing incorrect balances, date of last activity, date of last payment, date reported, status and etc but the always referred to the actual companies. 
After speaking with the companies such as XXXX, XXXX XXXX the issues have yet to be resolved after multiple attempts. Please see my Equifax report dated XX/XX/2017 for support documentation. 

XXXX 's past due amount, actual amount, status, date of last activity, date of last payment and balance are all incorrect. Nor have the creditor reported for XX/XX/XXXX and XX/XX/XXXX on Equifax and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX 's balance, date of last activity and date of last payment are all incorrect.
I sent a intent to pay and a Notice to Cease Communication letter to XXXX XX/XX/18. I received a letter from them XX/XX/18 by mail.
I was attempting to re-fi an owner financed bond for deed with Visio financial and before I applied I had inquired if this was something that was possible. I was assured this was something they could do. I applied and provided them with all financial documentation they requested. I was approved for the loan and when they where confirming the title was clear and about to set a closing date they informed me that their lending requirements had changed and could not close the loan due to the title not being seasoned in my name for thirty days. They said the only option was to do a new purchase on investment property and I would be required to have 20 % down which I was not in a position to do and they new it because they had all my financial disclosures. needles to say the loan was never fulfilled and now i 'm out over a thousand dollars and an inquiry to my credit. I have been paying for this asset over eight years and was well above the numerical requirements for the loan to be considered safe. Also, the appraisal was flawed and contained incorrect or incomplete information which had an effect on the interest that they were quoting me. I requested a full refund and was led to believe that I was at fault because I did n't want to come to the table with a deposit and the appraisal ( incorrect appraisal ) could still be used at a different lender. I do n't believe it fair to not return any portion of my expense when I was led to believe one thing and they changed at the last minute to requirements that they knew I would not be able to meet. They are being deceptive and dishonest about their practices and charged me for a loan they knew they were not going to fulfill.
Safety and Security Alert! Is your bank or business telecom safe, secure, and socially responsible? Many banks and businesses have outdated, insecure, and unsafe telecom identifications systems that require remedial change, or innovative improvement. Please watch the following urgent video : XXXX and read the Safe Call report XXXX
I filed the below complaint with Creditplus. " Creditplus has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what Creditplus is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it. '' The below is their response. I have not authorized Credit Plus or " XXXX XXXX to pull any of my credit information. '' CreditPlus is not taking responsibility for the reporting. I am re-opening this case with both Credit plus and XXXX XXXX and requesting the immediate removal of this fraudulent hard inquiry from my credit report. On XX/XX/2016, " XXXX XXXX '' pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc.
I made several attempts to obtain my credit report thru annual credit report.com but I was unable to get  XXXX  of my reports Experian and  XXXX . My conformation number for  XXXX  is  XXXX  report date was  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  address.  XXXX    XXXX   XXXX    XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX
I filed bankruptcy on XX/XX/23 and on XXXX checksmart called me to collect on this debt which is in bankruptcy, I told the representative that I filed bankruptcy and he called me a liar, said I was just saying that. I told him I have the call log on my phone which I will giving the attorney and he told me I wasnt giving it to my attorney. I informed him that collection activity after bankruptcy is filed is illegal and that I can sue them for punitive damages, attorney fees and such. He still persists I was lying.
I'm in the process of repairing my credit and I noticed a company by the name of XXXX XXXX is reporting two negative items on my credit report which keeps dragging down my score. I have no idea who these people are and I've never done any business with them or signed any type of paper work with them. 

The 1st amount is for {$350.00} and the 2nd amount is {$370.00}. I have worked hard and paid a lot of money to improve my score and profile only to have this company keep reporting it causing my score to drop from XXXX to currently XXXX. 

Please advise Thanks,
My wife and I filed for chapter XXXX bankruptcy inXX/XX/XXXX. Included in the bankruptcy was our house. At that same time we also listed the house as a short sale. We brought multiple offers of various price points to the bank however none were accepted. The house was left vacant as of XX/XX/XXXX. We were discharged from the bankruptcy in XX/XX/XXXX. We received a letter in the mail that Wells Fargo obtained an insurance policy on the house. While the house was under the care of Wells Fargo 's insurance policy there was an incident at the residence and Wells Fargo filed a claim, collected insurance money, and fixed the damages on their own, all done with our names still unknowingly on the deed. Wells Fargo continued to keep the deed in our names until XX/XX/XXXX, even though it was included in the bankruptcy back in XXXX. During these past few years, my wife and I have completely rebuilt our financial lives. Our credit scores have rebounded into the 700 's. We have been able to finance cars, secure a rental lease, and open credit accounts, all of which have been handled responsibly. We were informed that we would need to wait two years after our bankruptcy discharge in order to obtain another mortgage. We had put in our time, saved up our down payment, and were pre-qualified for a mortgage. It wasn't until underwriting came that we discovered a XXXX on the account. We were baffled that Wells Fargo waited two years to transfer the deed to the house out of our names. We are devastated by this news. Just as we thought we were fully over the nightmare it seems like it is coming back to haunt us. We should not be held accountable for Wells Fargo dragging their feet. The deed should have been transferred months after the bankruptcy discharge and not years later.
The Experian & XXXX processes for putting in place a credit freeze are unreasonably and extraordinarily difficult, even as compared to the other credit reporting services. 

In light of the recent data breach at Experian, I am in the process of trying to put in place credit freezes at all of the credit reporting companies. I tried the XXXX  and Experian online processes yesterday on XXXX XXXX. Both of them are very complex and the identity verification procedures are nearly impossible. The processes are clearly designed to discourage security freezes. 

I 'd be willing to bet that it 's easier for a third party to request my credit or for a wrongdoer to apply for credit with my stolen identity than it is for me to take the basic precaution of freezing my credit. 

I have been directed by Experian that I can only submit for a freeze in writing and have to provide copies of identity documents and utility bills. 

XXXX says I have to call them, but they are not open on weekends and the phone lines are impossible clogged during the week. 

I 'm trying to help my spouse and my aged parents in this process. Their procedures make it impossible. Furthermore, I ca n't figure out if there even is a process ( however bad ) to do the same for my minor children. 

By way of comparison, the online process for a freeze at XXXX and XXXX was relatively quick and painless ( at least for me and my spouse and parents, have not yet tried for my minor children ). 

I am outraged by the security breach at Experian. I am outraged at their lack of even the most basic cybersecurity processes. I am outraged at this whole situation. Their XXXX up processes for putting in place credit freezes is just the icing on this anti-consumer cake. 

I would very much appreciate you holding these folks to account publicly. The first priority would be getting them to streamline the process for credit freezes, then I would hope to see civil and criminal prosecutions.