WillisBack/dataset-financial-user-claim huggingface dataset:
During a XXXX XXXX drill weekend I was injured on duty and received hospital work for the next three days. The military booted the bill for the entire stay with the exception of a single XXXX. That single bill took approx. 2 years of getting re-directed and asking the right and wrong people before finally being paid. 

My issue is that during this time, the hospital referred this debt to a debt collection agency they partner with and I am worried about how this has affected my credit score. What I want to know is how exactly I can argue any delinquent debts that were not mine to pay for in the first place. 

Besides the actual debt collection statement itself, I have multiple contacts from both XXXX ( military insurance ) and a liaison from XXXX ( general military help site ) to corroborate with on this story and would be able to provide contact information whenever necessary. 

Thanks for any and all information, all the best.
In XXXX XXXX, the offices of XXXX XXXX XXXX, XXXX seized my assets in XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX assignee of New Century Financial Services , Inc XXXX XXXX with an alleged judgment from XXXX XXXX. Multiple phone calls to validate debt was not returned with any written documentation of debt, Their office simply stated on the phone that the matter was an issue related to a judgment entered in XXXX XXXX and gave me the case file to get my own documentation. I later learned the judgment was vacated in XXXX and I had the judgment vacated again in XXXX. The plaintiff pursued the matter after the second vacated judgment even though it knew it had not provided any documentation to the validity of the debt after 2 months of legal action. They sought and were rewarded additional time by the courts to delay my proper remedy by the court which incurred XXXX trips more than necessary t defend the matter and to obtain satisfaction in regards to my counterclaim. Although I submitted all documentation necessary to prove that I had actual damages, the plaintiff lacked any meritorious defense the judge determined that the case lacked sufficient documentation to prove wrong doing. First according to FDCPA the collection agent is to submit documentation to validity of debt, I proved that the plaintiff submitted no documentation to support claim to debt, not within the original 14 days of request or the entire court case history in XXXX. Secondly, the collection agent pursued legal action without any consultation about the debt with consumer prior to seizing assets. Third, the seizure of assets was committed using FALSE information obtained from ecourts XXXX system which validated a history of a judgment but not the status of the judgment. The assignee did not validate the debt by requesting history of payments or original documentation of contractual obligation prior to seizure. Fourth, Plaintiff submitted a false document as authentic in the submission of the restraining notice to the XXXX legal offices which is a violation of New York State Criminal Law. Fifth, the plaintiff 's attorney, XXXX XXXX XXXX, XXXX, which acted as the Collection agent committed an act of fraud and a violation of professional conduct by not validating the status of the judgment since the ecourts XXXX system stated to " See File '' for status of the original judgment. It was within their purview to validate prior to proceeding with legal action. Finally, the judgment was vacated twice by the court after multiple attempts to validate the authenticity of debt. The vacated stated was granted on XXXX/XXXX/XXXX and XXXX XXXX. The plaintiff had ample time and opportunity to reduce the injury to defendant by doing proper processing of the court case 's documentation instead they requested two adjournments to prepare for the case which further injured the defendant by requiring multiple visits to an out-of-state- court to provide defense for her suit against the illegal actions of the plaintiff.
1 ) XXXX credit card account : The account XXXX .... ( member no XXXX ) was PAID IN FULL IN XXXX 2013. You are still showing it as " CO ''. This is creating all the problem. Despite many requests and reminders, experian is not updating the status and I am loosing good credit card offer opportunities. 
XXXX sent a letter to experian also requesting them to correct the informaiton. I am enclosing that letter again. So please correct this account status. 

2 ) Also I have only XXXX shared credit card from XXXX for last XXXX years which is going good. But experian report shows so many accounts from XXXX with their status as lost/ stolen/ closed whoch IS WRONG.They are not correcting that too ( I have enclosed XXXX letter for that ) 3 ) The merged credit report shows a score of XXXX from experian but experian report shows a score of XXXX. My score should be XXXXThe experian report is completely messed up and not upto any professional standards. I have enjoyed good credit offers until now but experian report is wrongly reporting information and is stopping people to get good credit terms. I request you to investigate and do the needfulthanks in advance and please call me if you need any information you may need for the investigationXXXX XXXX ( XXXX ) XXXX XXXX XXXX, MA, XXXXcell no XXXX
After living in this apartment for 12 years, we were sent a letter asking us to move due to remodel ( see pg 1 ). We were never given the option of a walk through to identify anything that we could correct before having it deducted from our deposit of {$700.00}. Landlord conducted a walk through after new tenants had been living in unit He has kept our entire deposit plus asked us to pay another {$900.00}. He has called us liars and insulted our intelligence as you can see in his email. we asked to see receipts but were denied. except for the one for carpet. He wanted us to pay for carpet but pg. 8 of the lease states we can not be charged for carpet after so many years, so instead he is charging us for the recycling of old carpet and padding and installation of the new carpet this is how he has worked his way around it. He claims we damaged appliances and that they werent clean enough, this is after 12 years of use, they are going to have wear, plus they are the same appliances that were left for the new tenants, so they couldnt have been too damaged. he would not produce a receipt for the extra cleaning. We received a letter on XX/XX/XXXX stating we had 10 days to pay or we would be turned over to collections, on XX/XX/XXXX we received a statement from a collection agency. we had just moved out on XX/XX/XXXX. we are being charged twice for utilities, and late for supposedly over 10 mos. ago. He has ruined our hard earned credit standing, it dropped 40 points. which he had threatened to do to make it difficult for us to find a new place to live Please see his email to us dated XX/XX/XXXX, very intimidating and threatening. We tried mediation, but we received very little cooperation. I am willing to pay {$75.00} each for 3 closet doors, since he will not get us receipt i think that is fair. The handle on the refrigerator was missing when we received it. it had come from another apartment that way, it was replacing the one we had because it was broken when we moved it. I feel I am entitled to my deposit minus the {$220.00} for closet doors, I expect him to correct what he has done to our credit and be held monetarily responsible. We have worked hard to keep our credit in good standing, he had no right to damage it for his satisfaction. I would really appreciate your help on this matter. we have been denied what should have been rightfully by law offered to us, our credit is ruined, and he has kept our funds.
I have attempted to reach out to OCWEN and work with them on a modification due to being unemployed for close to 7 months. The mortgage company has giving me a difficult time and the run around and has not given me an answer as of yet. I have filled out and sent in the paperwork on numerous occasions due to them indicating that they had not received the paperwork. A few months back they shared with me that I could have filled out the information via online, so I did and they still indicated that they had not received it. So, it was recently faxed to them per their request. And, they refuse to accept a payment or any form of payment.
I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, Equifax, and XXXX, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies.

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.
I signed up for XXXX cable and internet services in XXXX 2016. I called and cancelled before they could come and install anything because I found a better deal at XXXX. I check my credit report and XXXX sent me to collections for installment equipment they supposedly sent to my house which I never received. I called them. They told me to file a claim with XXXX which I did. Claim was issued and approved. XXXX still wo n't take their hit off my credit report
received a letter from profesional account management, llc stating i owe from from various parking citations- i sent them a letter saying that one is mine but the others i was working those days not in the city! they proceeded to tell me that i had plenty of time to dispute and didnt so i forfeit my right to appeal! they keep sending letters saying i owe debt that wasnt me
Updated tradeline XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.
I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
CFPB Request a review of the following account XXXX I requested to close this account due to poor customer service. XXXX had a pending credit transaction of {$99.00}. See attached e-mail from XXXX I paid the min due required at that time for the charge of the XXXX to XXXX to protect my credit rating Upon/once XXXX got the credit transaction processed from XXXX XXXX and closing my account as I requested. XXXX than refunded me the min due payment back as well closed the account as I requested. 3 months later after XXXX posted this on my Experian as a late pay for {$99.00}. A week or so later they added interested to the {$99.00} for a total charge of {$110.00}. 
I disputed the prior late pays as well requesting for documentation. So it appears that they now believe or claim that they never received the funds from XXXX. I contacted XXXX on the XX/XX/2016. I spoke with XXXX at XXXX who claims they ( XXXX ) request was made reversing the charge of the {$99.00}. He additionally claims that the transaction C/C shows that XXXX was credited the funds. 
Prior to XXXX reporting this false / incorrect information to Experian they had not or still have not reached out to me in any manner about the said debt ... .after closing the account as well marking the balance as {$0.00}. See XXXX reports most recent or prior reports for Experian and or XXXX. 
I would like to request an audit on my XXXX file providing all documentation regarding this matter/account. 

XXXX XXXX, LA XXXX XXXX
I received word from XXXX last year that my information had been accessed. I put a security freeze on my accounts. In the last two months I have received multiple scam emails which had my actual social security number on it and I forwarded those to the XXXX and the FBI. I have also had a collection account place on my report which is not mine! The Collection agency is XXXX. This is not my account as I have had a Fraud Alert on my credit since last year I do not know how this got placed on there and I have no knowledge of this account. Also, there are multiple errors on my report which I have tried to get removed such addresses that belong to my ex-husband, and my sister, and my daughters ' credit card accounts! There are also several credit card accounts that are reported twice and should not be reported as they are because I filed bankruptcy in XXXX of 2013! The public record accounts that are on there are shown as derogatory when in reality those accounts are where I set up payments with the IRS because I could not pay all of my taxes at once so I called the IRS before the filing date to set up payments and they agreed. I filed a dispute with XXXX and Experian and they removed the wrong information for a little while but it was placed back my file. Overall, I want the XXXX collection account off my account as it is absolutely not mine!
On XX/XX/XXXX, I opened a loan account with Nelnet , Inc., a Federal student loan administrator whom I was directed to by my college XXXX XXXX XXXX University - XXXX, NY Campus. I borrowed the amount that would suffice the difference between total tuition cost and my partial scholarship, which was {$6500.00} or thereabouts. On XX/XX/XXXX, I borrowed a like amount from the same administrator for the same reason as the first loan from XXXX. In the XXXX instance, I had to acquire two loans that made up the amount needed ; a larger loan of {$4000.00} and a smaller one of {$2000.00}. At this time, the balance of all three loans totals {$13000.00}, including interest. 

In XX/XX/XXXX, as shown by the provided images of the reporting of XXXX , XXXX, ascertained by an online credit monitoring service, the lender began to report missed payments in excess of 90 days. I myself, as the borrower, was not properly notified of payments becoming due and eventually delinquent at the time of these reports. I was not contacted directly by Nelnet , Inc. until XX/XX/XXXX, when I was granted forbearance of payment for financial hardship. I was notified by the representative who assisted me with the forbearance procedure that efforts had been made to contact my mother, whom I did not live with and did not have regular contact with, in regards to the delinquency of the loans. As the sole borrower of the loan, whose accurate contact information was provided with the application for the loan and online management portal, I believe it is not just that this administrator made no effort to contact me as the borrower in pursuance of payment or procedure in regards to the loan until several months after the account had become delinquent. 

I continued with forbearance with no issue from the provider for more than one year after the initial delinquency and maintained good standing with Nelnet , Inc. and they reported as such to credit bureaus. However, in XXXX and XXXX of XXXX, they once again reported missed payments in excess of 90 days, also visible in the provided imagery, despite my forbearance status. Upon contacting the administrator again, they reinstated forbearance, but did not report good standing to credit bureaus until seven months later, in XX/XX/XXXX, also visible in provided images. More investigation of their reporting procedures indicate that numerous months of all three accounts being in good standing went unreported by Nelnet , Inc., which I believe is unjust. It is unjust not only for the initial failure to contact me as the sole borrower associated with the loan, but also for Nelnet , Inc. to continuously report the account delinquent in excess of 90 days and not reporting at appropriate intervals of 30, 60, and  eventually 90 days, as well as their failure to report positive standing for many months throughout the repayment period.
Hi, I first got my student loans through XXXX XXXX and later consolidated. My compliant regarding these loans is the fact that i have been making payments on my loans since XXXX and within the last several years almost nothing has been applied to the principle. I have a fixed interest rate and i do have a lower monthly payment. I recently, XXXX/XXXX/XXXX, spoke to a representative from Navient and she basically told me that if i continue to make my current monthly payment which i have now been doing for 7 years that for the rest of my life i will be continuing to make payments and my principle will never decrease. My balance when i originally started was {$26000.00} and my current balance is {$28000.00}. My current monthly payment is only {$50.00} less than my original payment. Why is it that when i paid {$50.00} more i was having anywhere for {$68.00} to {$90.00} being applied to my principle but now almost nothing is being applied. For the last 3 years out of all the payments i have made only {$280.00} has been applied to my principle. I just do n't understand why my payment can not be split to have at least a percentage get applied to my principle. I have had several loans throughout my life including a graduate student loan. However, this is the only loan i have been consistently making timely payments on and not have my principle decrease but to increase. What makes this even disappointing for me is that i called and talked to Navient and told them i specifically needed a repayment plan where i can make payments, because i want to pay my bills, and have my payment be applied to both principle and interest and i was guaranteed that my repayment option would do that. I 'm just getting really frustrated and honestly afraid because if do n't continue to pay Navient then my really really good credit score is going to become terrible which will hurt any and all of my opportunities of getting any type of future loan. I could also have my wages garnished which i seriously can not afford. If i continue to pay them there is no guarantee that my payment will be applied to my principle.
I finished school in 2012 at XXXX. My outstanding loans were XXXX. some how they reported me owing XXXX. Need resolved! Have made hundreds of calls. Never get a resolution and company is dropping the ball every time.
I was constantly forced to pay fees for my loans with Sallie Mae, including when I was on XXXX. My loan amounts doubled in less than five years from interest capitalization from the lawyer.
I contacted Trans Union and XXXX on XX/XX/XXXX, I spoke with a representative, I explained that there were several inquiries on my report that was not authorized, they asked me to fax a letter to them and to list the unauthorized inquiries. I did that and I received no response and no results. I contacted them yesterday and they told me to do the same thing. A fraud alert has been placed on my account, and they still have all these inquires listed on my credit report. XXXX was the only credit bureau that worked with me to remove these inquiries and to issue a fraud alert.
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I have been unsuccessful with Trans Union and XXXX, I sent letters to the agencies who placed inquiries on my report, no response, I asked Trans Union and XXXX to identify if the information was correct, no response.
<P/> Both of these agencies have are reporting double inquiries from the same Company within 30 days of each other. The companies are listed below.
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Trans Union : XXXX was authorized but only once, they have it listed twice on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX was authorized once but listed twice on XX/XX/XXXX and XX/XX/XXXX.
XXXX was not authorized at all on XX/XX/XXXX XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX was not authorized at all on XX/XX/XXXX or XX/XX/XXXX XXXX XXXX  was not authorized on XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX never authorized XX/XX/XXXX, XX/XX/XXXX ( address was incorrect for me ) XXXX XXXX  never authorized XX/XX/XXXX XXXX XXXX XXXX XXXX never authorizedXX/XX/XXXX XXXX XXXX not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX ) XXXX XXXXs not authorized on XX/XX/XXXX ( only authorized once on XX/XX/XXXX )
I was a victim of identity theft and noticed a collection from AMSHER COLLECTION SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I received calls from the same person at both XXXX XXXX and XXXX XXXX stating that a friend of mine has financial fraud action pending against her, and she left my number as a reference. After the XXXX message, I called my friend and left her a message repeating the charges and phone number. Then I called the above number and left a message stating that I called my friend and gave her the information ... I stated my full name and personal cell phone number and commanded that she do not call my number again. A few days later, I received a message from my friend stating she called the number and made arrangements to pick up the payments. However, I received another call afterwards from the XXXX number asking directly for my friend by name claiming that my friend returned her call from my number. Yet when I tried to tell this person she did not call from my number, she insisted that she did ... this harasser threatened every time that she called that she was going to send the allegations forward ... I told her to send it forward and that I contacted my friend and gave her the information but I was not giving her number ; now it 's between the XXXX of them and if she calls my number again, I was going to report her for harassment. Yet today, this same person called again asking to speak to my friend by name. When I tried to tell her that my friend called her from a different number, she claimed I did n't know what I was talking about and again, threatened to send the allegations forward. Throughout all of this, my friend insists that she spoke to someone and made arrangements to pay. I just spoke to her again today. I 've had enough of this person harassing me personally for a debt I do not owe. There were somewhere between 10 to 15 calls this month alone. I pray that this complaint with stop the harassment calls.
I have never been 30 days late ever and chase reported me last month. I am in the middle of a refinance to get my ex wives name off the house and them reporting is really hurting my score. I screwed up and sent the check but forgot the stamp and when i came back from working in another state it was late. If i dont get this removed i am going to have to sell this house and move.