WillisBack/dataset-financial-user-claim huggingface dataset:
The issue I am having is not truly listed above. Today, XXXX/XXXX/2015, i received an alert from my credit monitoring service that a collection account had been added to my credit report. I immediately called the collection agency to find out what the debt was and why I never received the notice in the mail. They told me that the letter was sent to XXXX XXXX XXXX XXXX but I moved from that address and now live across the street at XXXX XXXX XXXX XXXX which was why I had not received the mail. XXXX XXXX XXXX is vacant so no one gave me that mail and I never received any forwarded mail from USPS. 
They also informed we that a wage garnishment had been sent to my previous employer which i no longer work for and I dont understand why i would not have been contacted via phone or email before involving my employer. 
I asked them if they could remove the account if I paid it over the phone and they said I could not dispute with them which I found very strange. I then asked if I could receive a letter stating that the account was paid in full but they said that I have to wait 30 days to receive this and I feel this is unfair since I never received the correspondence to begin with. i am in the process of obtaining employment and since I work in the financial industry, I can not have a new collection account listed on my credit bureau as this would prevent me from being hired. 
Given the fact that I paid the account in full ( reference number XXXX ) and the correspondence was sent to an old address i think this collection account should be immediately removed from my credit bureau report. having it on there will prevent me from finding employment in my field!!!
I am writing this complaint letter for Rent Automated Collections. Their address is XXXX XXXX XXXX XXXX TN, XXXX. They are reporting this on my credit report, RENT DEBT AUTOMATED COLLECTIONS- XXXX XXXX XXXX XXXX for {$1000.00}. I contacted them to have this debt verified since I filed bankruptcy last year. They sent me a bill and stated that the debt it valid. As this is not a valid debt. I do not owe a balance to this property, period. I tried calling the original creditor, XXXX XXXX and I learned that they no longer exist. The property is under a new name XXXX @ XXXX and management. The property manager advised me that there was no record of my rental history or balance. I continued to research this matter further. Enclosed is the original lease as well as the last payments I made on the account. I signed a six-month lease which ended XX/XX/XXXX. Per property policy, I gave my 60-day move out notice onXX/XX/XXXX moved out onXX/XX/XXXX. I paid my final month of rent which was {$940.00} onXX/XX/XXXX. Upon leaving, I provided them with a forwarding address for my last bill. Roughly a month later, I received a final bill for {$65.00} ( please see XXXX bank statement ). I paid this balance as soon as I received it. That was the final correspondence I received. Additionally, I paid a {$270.00} deposit when I moved in and the property has no record of that either. I have never left a balance on any rental property that Ive moved from, nor have I ever broken a lease. I travel for a living, so I can not afford to carry any balances. Most recently, this misreported error has caused me to get denied for an apartment home. Enclosed are the bank statements, original lease and billing statements as proof that this debt is invalid. Please help me get this invalid item removed from my credit report. As this is the only collection that I have on my credit report. 

Thank you! 

XXXX XXXX
I have not received a bill in the past and suddenly have a notice on credit karma that I have an account in collections that I am not aware of. I dont not feel responsible and feel like this should be removed from my credit report.
Experian will not investigate those collection items XXXX XXXX In which all should be deleted it has been over 7 years and they are still reporting these accounts. There is also XXXX bankruptcy on my file which do not belongs to me should be deleted. XXXX and XXXX are not reporting those bankruptcy neither collection items accept XXXX XXXX XXXX.
I had an account wi th M & T Bank which  included a credit card that I never used. I went to my bank on  XXXX   XXXX ,  XXXX , PA  XXXX  and closed my account approximately 3 months ago. I was assured that it was closed with no balances due and the teller even offered to cut up my card, which she did. I have now received a call from a debt collector indicating a past due amount on the credit card. I also noticed that m y credit score recen tly took a dip and now suspect it was due to their action.
SOMEONE USE MY SOCIAL SECURITY NUMBER AND DOB AND OPEN UP UTILITIES IN MY NAME AT A FAMILY HOME ADDRESS. IN XXXX. AT THE TIME SERVICE WAS OPEN FRAUDULENT USING MY NAME I RESIDED AT A DIFFERENT LOCATION XXXX XXXX XXXX XXXX XXXX. THE NAME USE IS XXXX XXXX A FEMALE WHICH I DO KNOW A XXXX XXXX. I AM XXXX XXXX. ( MALE )  I PROVIDED EQUIFAX WITH A POLICE REPORT DATED XXXX WHERE I FILED WITH XXXX POLICE DEPARTMENT DUE TO SOMEONE OPEN A CREDIT CARD AND PAYDAY LOAN IN MY NAME. ALSO THE LANDLORD OF PROPERTY XXXX XXXX XXXX PROVIDED EQUIFAX WITH DOCUMENTATION STATING I DIDNT MOVE INTO MY NEW RESIDENCE XXXX XXXX XXXX UNTIL AROUND XXXX / THIS IS A FAMILY HOME AND SOMEONE THAT KNEW ME HAD TO OPEN IN MY NAME. EQUIFAX IS STILL REFUSING TO REMOVE. I CONTACT XXXX XXXX ( XXXX XXXX ) AND THEY ADVISED ME TO DISPUTE WITH EQUIFAX FOR REMOVAL. EQUIFAX DID NOT RESEARCH ENOUGH. THE OWNER / LANDLORD PROVIDED MY MOVE IN DATE TO SHOW THIS IS NOT MY DEBT. AND I PROVIDED IT TO EQUIFAX. SOMEONE FRAUDULENT OPEN UP THIS DEBT AND USE MY INFORMATION. I AM A VICTIM OF FRAUD AND SENT PROOF TO EQUIFAX. I NEED HELP WITH THIS MATTER.
I believe the lender, Nationstar Mortgage, is effectively changing the terms of my loan. Although payments are not late until the XXXX of the month, and my payments have been set up on autodraft since the inception of the loan, recently the bank has had oversees callers calling me beginning on the XXXX of the month or earlier asking for payment. These are call center employees without access to my account records. I feel this is harassment plain and simple, to get people to pay earlier than they need to in order to be in time.
XXXX XXXX XXXX XXXX XXXX account Opened in XX/XX/2011 credit card is reporting to XXXX the current payment status is " In Collection/Charge-off ''. This is inaccurate. The account has been paid & settled after charge off.
I went to Drivetime in XXXX, NJ and negotiated the purchase of a XXXX XXXX XXXX. With the documents and down payment of {$1100.00} provided I took delivery of the vehicle on about XX/XX/XXXX. They claimed to need to do a work verification but it should present no problems since it was just protocol. I was on limited work hours from my employment at XXXX XXXX but was still employed there. However there was a hostile work environment investigation ongoing at my employment which caused my supervisor to report to Drivetime that I had been terminated. This was not true. This action caused Drivetime to come and repossess the vehicle at XXXX two weeks later without any sort of notification or attempt at resolving this issue. Furthermore Drivetime has refused to return any of my {$1100.00} down payment claiming expenses on their part. I must say if they wanted the vehicle back because the falsehood told by my now former employer which i voluntarily resigned from after this incident, i would have returned the vehicle without Drivetime incurring any expenses for having to forcibly repossess the vehicle. When I have asked Drivetime to explain this action they have claimed I needed to be on my job for 6 months which i was at the XXXX. For the record this was not explained to me as a requirement and doesn't state it on the documents I signed for the car that i have seen. 
To make matters worst Drivetime has reported the car loan on my credit and has refused to cooperate in having it removed.
U. S.Bank denied me a signature loan for {$10000.00} dollars, they sented me a letter where in the letter it didn't tell me why exactly I was turned down only the credit bureau they used ( XXXX ) .Went to U.S.Bank XXXX Branch ( XXXX , Mo . XXXX ) and spoke with XXXX about my signature loan being denied ( {$10000.00} ) He said XXXX   turned me down so get your credit report and come in the branch when you get the credit report and we ( me and XXXX-U.S. Bank employee. ) will go over it .But I said " Didn't your underwriters turn me down for credit whats the reason, then he says " I'm not going to talk about your credit with you.So I still do not know why U.S. Bank denied my signature loan. 
Thanks XXXX XXXX
I am a Rush card holder customer. I have not had access to the funds in my account since XXXX/XXXX/15. I can not move, withdraw, or access my funds.
This was already deleted from exquifax, with your help. Today is appears it has resurfaced to my equifax report and this is inaccurate. I have contacted XXXX again in the XXXX dept and spoke with " XXXX '' to have this removed but this seems to keep re-appearing? please make sure this account is deleted from all XXXX credit bureaus ( right now is appears as foreclosure on equifax ) I was also never late with this account as I was in a loan modification and the company refused my payment. -- HOW CAN I BE LATE?? 
Thank you
please be advised that a copy of this letter has also been sent via certified mail. the XXXX, and experian credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX  deleted the items, however XXXX and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter  attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this debt
Dear Sir/Madam : THIS IS IN RESPONSE TO COMPLAINT : XXXX-XXXX YOU ARE ALLOWED 30 DAYS FOR A COMPLAINT RESPONSE On XX/XX/XXXX, I have sent letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
We received a collection letter form Caine & Weiner Acc # XXXX, Amount due : {$120.00}, This amount due is wrong, I ordered from XXXX : XXXX : {$6.00} and XXXX cups : {$1.00} date XX/XX/2016 and I never ordered anymore from them. 
After that they never sent me billing statement for payment I only received a post card which showed amount due : {$67.00} and have to pay online, It is wrong due amount. 
I can not pay online amount $ XXXX {$1.00} which I owed them. I try to call customer service but only machine answered and wait for long time. 
Now I want to fill out customer complaint and request the XXXX sent to me a billing statement due amount {$7.00} plus tax that I owed and willing to pay for that amount.
From XX/XX/XXXX to XX/XX/XXXX, I was charged an additional {$8800.00} of capitalized interest onto the top of my loan. I was encouraged for YEARS to continue to forbear/defer my loan as I was in a severe financial hardship, going through XXXX Bankruptcies, having a sick mother, trying to secure a job, and essentially being kicked out of the home where I was living. Because of this, I reached out to my loan provider who was XXXX at the time. A forbearance and/or loan deferral were my options. After deferring for X amount of time, I would receive emails basically encouraging me to continue to defer my loan. Being young and already in such bad predicaments, I of course deferred. Today, almost 10 years after receiving my initial loan disbursement of {$10000.00} to pay for my schooling at the time, I now owe {$18000.00}. At an 8.5 % interest rate and for someone who barely clears {$XXXX} a month, my payments are so high. But that is not my biggest concern. My biggest concern is that part of my monthly payments are paying over {$8000.00} for a forbearance and a deferral that I was almost encouraged to get. Someone please help me. I feel like I will be upside down and paying for these encouraged deferrals for the rest of my life!
Regional Acceptance has been contacted my cell phone 4-5 times a day via auto dial & wo n't leave messages. Additionally, on XXXX/XXXX/15 they did call me and leave a voicemail at XXXX XXXX PST - which is a clear violation of the FDCPA to contact me prior to XXXX XXXX PST as I reside in California.
I got a credit card from TD Banknorth in XXXX 2015 with a {$7500.00} credit margin. I gave them my Florida adress as well as my northern adress because I live in Florida only 4 months per year. I used the card without problem until the spring of this year. An amount of {$250.00} was put on my card and the account sent to my Florida adress. The Bank says the the US Postal Service returned all statements sent to my Florida adress even though I had advised the US Postal service to forward my mail at my XXXX adress. 

I did in fact received at my XXXX adress all the mail sent to my Florida adress excep of course the statements coming from TD Bank. 
TD Bank had my XXXX adress in their file but they decided to ignore it. They had also phone numbers that they could use to reach me but did n't care to use them. 
Instead, they notified the credit agencies that I was delinquent, that my credit card was suspended and that they had written off the loan. 
I learned of all this from another Bank and after having paid off the amount owed to TD Bank I asked them to notify the credit agencies so that my record be clean but to no avail.
I was initially rejected for the Pslf program even though I met all eligibility except for the repayment plan which I never told did not qualify.I then applied for the temporary expanded loan forgiveness program.Was told several reason why I didnt qualify.first was told I had only made 119 payments of the required 120 which was not correct as had made 131 payments.Then was told I wasnt in Type of repayment needed as wasnt paying enough each month.Again something I had never heard of.Seems whatever I do is rejected.Feel like the foregiveness program is a fraud program.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
The closing date on my home loan with State Home Mortgage company is XX/XX/2017 and the loan payoff payment was made, however the company reported the XX/XX/2017 payment as 30 days past due on my credit report. The XX/XX/2017 payment should not be listed as late because the home loan was paid off in XX/XX/2017.
I am writing to express my concerns as to the transfer of the credit card services to CITI Bank. I have been a loyal Sears customer since XXXX. On Saturday XXXX XXXX I received a letter from Citi writing that my account was past due and to pay {$57.00} today. It also when on to say that the delinquency was being report to the credit bureaus. I could not believe what I was reading and in turn called XXXX where I was greeted with the rudest people that I have ever talked to. I explained that I never received a bill from Sears or Citi bank the representative then said it was emailed to me. I then explained do not get any of my bills via email they continued to say that was impossible and I received the bill and that was all there was to the issue. I again asked why did n't I get a paper bill they said it did not make any difference they wanted their {$57.00} plus late fees of {$65.00}. 
The purchases were made in XXXX XXXX but I had not used the account since XXXX XXXX. I just was appalled of the verbal abuse that I received from the customer service department. I then asked how did the letter get to me and not the bill? I still do not understand how they had my email address the only logical thing that I know of is that XXXX just transferred all their accounts from XXXX XXXX to Citi bank the same as Sears transferring their accounts to Citi bank and that the information was shared between units. 
After my very unsatisfactory conversation from Citi Bank customer Service I called Sears Customer Service who was very apologetic for my experience. They also removed the late fee payments and continued to state that there have been a large number of accounts that did not get their bills. She also said this is particularly true for accounts that have not been used for a long time. 
The rudeness and verbal strong arming is not the way to conduct business maybe it is again the minimum paying job where they are not paid to think or research instead brainwashed into give me the money now ....
I reported that I did not make this charges, authorize this charges, or have knowledge of this charge. I did not even know about this collection until I checked my report on XXXX XXXX 3 months ago. I called the collection company and they agreed that I should not have been involved in this charge but all three reporting companies ( XXXX, Equifax, and XXXX ) are showing that : " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE '' It should be illegal to place a derogatory report on my credit report that I am not responsible for or even was aware of!
This account is past the statute, this collection agency is trying to say it was charged off XXXX which is not accurate. I have n't had a XXXX XXXX account is 8 years. They sent a statement as validation showing XXXX past due amount {$1200.00}, the account had to be past due a long time to have a minimum payment this high. What I received is not validation.
XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, EXPERIAN and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and EXPERIAN.
I have an account with Suntrust bank and on XXXX XXXX, 2015, they charged me and overdraft fee on an item that was able to clear my account. The overdraft fee charged was {$38.00} on the same day of the XXXX XXXX, 2015 and my account was still positive {$32.00} and after the fee they charged me cleared I was still positive in my account with {$17.00}. This bank charges overdraft fees before 24 hours.
I am a customer of Bank of America and over the last year they have changed their policies regarding the minimum that customers can keep in their savings and checking accounts. I was informed of this and I complied with that policy. However, Bank of America continues to apply {$5.00} fees even after compliance and continued complaints. The minimum is {$300.00}, and I have {$500.00}. 
I am able to maintain, but my question is how do people who do n't have that income and are living off every cent they have use a bank?
On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX, previously XXXX XXXX XXXX XXXX owned our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house XX/XX/XXXX. Our bankruptcy was discharged in XX/XX/XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure in XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure in XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX XXXX XXXXXXXXXXXX there is also a Tax Lien that has been paid and is not showing Paid.