WillisBack/dataset-financial-user-claim huggingface dataset:
This company is trying to collect a debt that is not mine. They are the 3rd collection agency to try to collect this amount. I have been in contact with XXXX XXXX XXXX XXXX and they do not have me on file or owing them any money. I would have paid my debt if I owed them.
To whom i t may concer ns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Experian because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance. Here is the list of all the accounts :  XXXX   XXXX  : Account #  XXXX   XXXX   XXXX  : Account #  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX   XXXX   XXXX   XXXX   XXXX   :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD  XXXX    XXXX   XXXX   XXXX   (   XXXX   XXXX   NEVADA ).     I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  RENTAL HISTORY REPORTS ON SITE MANAGER  XXXX   XXXX   XXXX   XXXX   XXXX  Thank you
Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
XXXX XXXX XXXX wont take my payment of XXXX I already paid this to a company called XXXX which is a company who pays off loans to pay day companies. I paid XXXX XXXX to have Speedy Cash be paid XX/XX/XXXX The XXXX is a consolidation company to cover each month pay day loans Ive tried many times to ask XXXX XXXX which is collection company for Speedy Cash to take my XXXX is they have no record of XXXX paying them They wont take money unles I pay them XXXX which includes interest on Speedy Cash loan. I only have record of XXXX that I paid XXXX info is email XXXX ( XXXX ) They wont call me back either. XXXX was taking XXXX monthly out of my checking debit card ... XXXX for 30 months I signed XX/XX/2017 address is XXXX XXXX XXXX XXXX # XXXX XXXX, KS XXXX
This is not my debt. Submitted dispute to diversified consultants, accepted & signed for XX/XX/2018. No response to validating my debt, or removing my disputed account. They are past the 30 days to validate a debt. I am requesting this account alleging i owe XXXX be deleted at once.
After years loan modification has damage our credit, we have been stressed out, ,and we g ot 4 time transfer our  lender, mortgage servicing from   XXXX   XXXX   to   XXXX     XXXX  and to   XXXX   XXXX   XXXX  , we paid  three months trail mo dification from  XXXX / XXXX / XXXX  through  XXXX   XXXX  with all hope and affordability modification after al l required trail mo dification to   XXXX   XXXX   XXXX   XXXX   {$34000.00} we have not received affordably modification an d sale our loan to new mortgage services,  Shell pint mortgage servicing.we believed th ey are violated the Californi a law because the collected the money after 5 years expired statue limitation, my account due dat e start  XXXX / XXXX / XXXX  than lender collect  the trail money  start  XXXX / XXXX / XXXX  than we never received an affordable modification.   Now our loan trans fer to Shell point servicing Inc. ne w mortgage servicing. we start over and submitted all new modification required by shell point mortgage servicing.   we got Denied by shell point servicing inc by using our pass income not present income.   we need loan modification affordable rate and term.
Upon receiving a weekly programmed text message of my checking account balance, I realized my account was in the negatives and when I checked my account, I realized there was a {$35.00} overdraft fee from Bank of America from a Venmo payment that was withdrawn one day prior. I called Bank of America customer service to try to resolve the issue which is where I learned that I had been charged an overdraft fee twice before and never even realized or was notified of such. The customer service representative refused to reverse the charge or try to resolve the issue and when I requested to speak to a supervisor, I was told that I should be receiving a callback in 24-48 hours. I never received a call back whatsoever and it has been almost 2 weeks after this phone call. My surrounding friends and sister whom are all customers of Bank of America had all admitted they had been charged overdraft fees for the same reason multiple times and had them reversed, so I was quite confused as to why I was rejected from a refund when the same exact thing happened to me. Awaiting the callback from the supervisor left me in a supreme negative amount in my bank account, which left me unable to use any form of payment until I had received my first paycheck from my first job.
We started receiving calls from Firstsource ADV XXXX XXXX XXXX last summer about debt collection for someone else. I called back on XXXX XXXX, 2015. I told him that they have the wrong number and they were reaching the XXXX residence. In other words, they were calling the wrong person. We were rudely asked " what phone number do you want me to remove '' and we told him. He refused to take the case number ( XXXX ). However they still are calling us, and just called this morning, XXXX XXXX, 2015. We want this to stop!
I have a account that should had never been put on my credit reports I applied for assistance threw the hospital and was approved. because I was on public assistance at the time and the hospital told me I was approved. and the bill would be paid threw the hospital.
In XX/XX/XXXX received a pamphlet about receiving a degree or certificate for XXXX XXXX in the mail. I ignored the first one but after getting a 4th Pamphlet in the mail I filled out the Pamphlet and mailed it back in and in 2 weeks I received a letter congratulating me for being accepted and that I would receive more information. I dont recall how long it took but I received information requesting my ss # and a drivers license along with a form to fill out about my financial status, if I had a job and how much I earned. I filled out the information and signed the form at the bottom and later received a check stating that it was for a Perkins Student Loan and I was to sign and mail the check back to XXXX XXXX XXXX XXXX, XXXX DE XXXX. I received a phone call later in the week letting me know that I would receive another check and I needed to sign the second check and send it to same address above. The lady told me that they were forming a college in College location in XXXX Ohio on XXXX XXXX and I could attend partially at home and after that within 6 weeks take the remaining of my courses and test at a XXXX XXXX Location. I never did receive the books and when I went to the location on the letter along with other students we found a letter on the door with a phone number stating to call the Department Of Education in XXXX Ohio and when I did they said the XXXX XXXX XXXX was under investigation. I never heard anything back and the Department of Education said I did not have to do anything at the time. Years later I received a letter from a collection agency and later I was informed that Navient would be accepting my loan payments. At the time it was about 2,500.00 and just this year when I had a credit report pulled XX/XX/XXXX I noticed Navient had put the amount on my credit report and this month when I checked through a on line credit agency the amount has increased. I do not own anything on the old Perkins loan because I did not spend any money and the checks were sent to the XXXX XXXX XXXX. I would like to have removed from my credit report and for Navient to remove me from their list of owing for the loan.
I received a voicemail yesterday from phone number XXXX XXXX, it was a very snotty rude woman saying she needed me to call her back " immediately ''. Yesterday was the first time this number has ever contacted me. Last night the same woman called my XXXX year old dad, and left him a horrible voicemail that I am " avoiding her '' and that this will be sent to their attorney 's. Needless to say it made my dad very upset. The number they leave for a call back is XXXX XXXX. In googling this number people have reported many issues of people harrassing them from this company, and being scammed out of money for debt repayment on debt they don't even owe!
I Obtained a mortgage through XXXX XXXX XXXX in XX/XX/XXXX. XXXX sold my loan to XXXX XXXX and Specialized Loan Service shortly there after. My certified mailing address was shown to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX recoded my address to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never received any mortgage statements from XXXX as they were going to the wrong address. I learned about the error on XX/XX/XXXX when I was checking my credit and noticed a 90 day late from SLS/XXXX. On XX/XX/XXXX I made the payment to XXXX  to catch up, and set up the mortgage to be on Auto Payment Drafting from my bank account so this wouldn't happen again. SLS/XXXX 's automated phone system allowed me to do this. However, what I wasn't aware of was that, SLS/XXXX will not let you set up auto drafting for 48 hours after a phone payment is called in. So, I thought I was set - auto payments would be made and I wouldn't have to worry about this property and the above happening with XXXX again. Unfortunately, even though the automated system allowed me to set up auto payment, SLS/XXXX   didn't honor that and I received another late payment mark on my credit because the following payment never happened. So, this time, I made the payment with a live person and set up auto drafting with a live person. Which is interesting because they allowed me to set up auto drafting even though my other payment hadn't cleared ... The long and the short is, SLS/XXXX has administrative issues and consumers are getting the short end of the stick. I greatly appreciate any assistance you all can provide in disputing this derogatory mark on my credit.
I have been employed at The XXXX XXXX  in XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX since XX/XX/XXXX. My previous employer was XXXX XXXX   XXXX XXXX from XXXX until XXXX. My Equifax credit report still lists XXXX as my current employer.
This company Captial one auto financial. Company has been abusing reporting on my credit report. They take three months to report good things on my credit. They instantly report bad things on my credit. I notice this in XXXX when I went to look at a new car. Car company ran my report and capital one 3 month behind. I had just paid then XXXX dollars. My car payment is XXXX a month. I called them and paid additional money on my account XXXX. Then I notice that my credit report was not changing. I called and asked them how can I get out of this loan. I informed them that I no longer want to be with this company with a loan. I was told that I had to pay the whole thing. I told them that I could only pay XXXX in XXXX. They told me that my account would be current. Next thing i know the called saying i owe them XXXX. I said I just paid XXXX. They told me that only counted for one month. I told them I was not behind. I was paid up the account. They never honored my XXXX  payment. Now they saying I am behind 2 months. However, i would like to know where the XXXX   went on my account .my credit score was XXXX and they have taken it down to XXXX. This is unfair practice.
My friend paid over {$1000.00} to XXXX XXXX for a loan mod. XXXX XXXX kept the money and kept getting her to pay more money to do things that the initial payment was to have taken care of. By the time her loan mod had been completely refused she had paid over {$2000.00}. From others in our community, its been learned that XXXX XXXX regularly pockets a lot of the money that she claims to used for the loan modification process. And end the end most have still ended up being referred by XXXX to Atty. Roberts to try to fight the foreclosure process. It truly seems that Atty. Roberts has no idea what XXXX and her friend Atty. XXXX XXXX are doing. This is how XXXX and XXXX were able to go behind the back of those at Roberts Law and take control of a loan modification contract that use to belong to the main attorney. XXXX has taken thousands of dollars from the law firm. My friend use to go to the law firms office numerous times trying to get her loan modified. She witnessed that a man named XXXX had to pay his own fees on a pleading necessary to get out of jail because the firm had no money in the escrow account. XXXX kept a check the the owner had given her to deposit into the escrow account. Between XXXX and XXXX it is a wonder that the law firm is even in business. I attempted to go to the Georgia bar directly but was told that because I was not the actual injured person I could not file a complaint. The police said that its a civil matter and referred me to the Georgia Consumer Protection Bureau who referred me to this agency. If this is n't the right agency please direct me to the right agency or department. These XXXX women are stealing people blind and not providing the service they represent to be able to provide and no one seems to either care or be able to investigate and stop them. On her last visit she overheard the staff talking about a man name XXXX who had been arrested because of the firms failure to fulfill its obligations. Since they do not know me, If it would help, I am willing to go in and request a loan modification from XXXX so that the process can be traced from start to finish. Several of my friends are willing to do the same thing. The firm is Roberts and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. No. XXXX, XXXX Georgia XXXX. ( XXXX ) XXXX. I forgot to mention that XXXX locked XXXX XXXX out of the loan mod portion of the law officies software so that XXXX XXXX could not help protect the XXXX community from the predatory practices of XXXX XXXX and her partner XXXX XXXX.
I have disputed with Sear credit card home improvements, the disputed amount was XXXX , which was related about the kitchen renovation not done correctly, used faulty faucet appliance, water leakage. After submitting the complaint, they continue to charge with the promotion interest. I have called several times that resulted no solution. I will like to file complaint against Sears Credit card in regard this issue.
I had a Citi ThankYou Preferred MasterCard account with Citibank for many years, with a limit of {$28000.00}. My credit score is excellent ( XXXX as of XXXX 2016 ). Nevertheless this company closed my account XXXX XXXX without any warning whatsoever, which will have the effect of lowering my credit score by affecting the credit to debt ratio. When I contacted them by phone, an individual told me that it was for my " protection '', as I had n't used the account for 25 months. Really? When a credit card company is worried about a customer 's safety, they usually contact the customer before taking such drastic action. 
I also contacted them by email, after which they closed my online access, essentially shutting me off. It seems that they are not willing to have a dialogue and display a rather hostile and arrogant attitude towards the consumer. The specific problem I have with them is the complete lack of warning, for what I see as an unjustified and irrational action ( again I have a very high score, a good XXXX figures income and no debt whatsoever except for an existing mortgage ). 
Can this actually be resolved? I would imagine that a company that wants to stay in business would lay out the red carpet for customers. Are they XXXX, or has their arrogance clouded their judgment?
With no notification, as is required by the FCRA and FDCPA, and 2 years after being filed as a charge off ( in full, without " sold to another lender '' status ), I had a collector contact me, AFTER reporting me to all XXXX credit beureaus. When I told them the request was illegal, that they had no proof of standing, and that I wanted the matter dismissed, I was threatened with a lawsuit. The company in question is Credit Solutions Corp. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.
They relentlessly called my work, even though I am currently on short term XXXX, the refused to send me proper verification that the loan existed and they told my employees personal information, and even tried to tell them they would serve them papers to give me.
Equifax has stated that they have contacted North Dakota child support. I have called them and spoke with them as well! They are not reporting my arrears because it happened during a time of XXXX and they have been paid. I do not believe that once a XXXX is proven and acknowledged by XXXX I should not be punished for late payments as a result of said XXXX! That is what is happening here. I have been XXXX since XXXX of XXXX and did not receive any payments until XXXX XXXX I believe. So in effect I am being punished or discriminated against by Equifax simply because I was XXXX and could not pay until the U.S. Government paid me my XXXX!
I just pulled my credit files and learned that XXXX XXXX XXXX  is reporting fraudlent information on my files. This is not my debt and i have never received any notice or demand for payment from this company.
I signed up for an American Express Platinum card that promised a XXXX point signup bonus when a spending requirement was met. This offer was publicly available on the Internet. After reaching the required spending amount, my points posted. Shortly after this, my reward account was frozen by American Express with no written notice. The only way I found out the account was frozen was by attempting to make a points transfer. After this failed I contacted the company. They stated that the account was frozen pending a review that would be completed in 6-8 weeks. After waiting this period of time, I tried another transfer. This transfer was declined as well due to the account being frozen. I have paid off the balance of this account as well as the {$450.00} annual fee. There was and has been no notification from American Express to me about the freeze of my rewards account or when the freeze will be released. American Express is electing to audit this account, freezing my ability to use my earned reward points. I feel that they hooked people into signing up for the {$450.00} card with an offer and did not deliver what they promised.
Name ( XXXX XXXX XXXX ) and address of XXXX are not correct. Seems as if someone at that address might have tried to get credit card
I got a new job and request to push 2 payments back and they didnt do so till later and my credit score went down
I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( National Credit Systems ) had put on my credit reports that I owed the XXXX XXXX XXXX {$6600.00}. As soon as I discovered this entry, I attempted to contact National Credit Systems, however my phone calls went unanswered, as did my emails. A certified, return-receipt letter was returned as refused. I have been unable to get information from them about this " supposed '' debt. 
The company that took over the XXXX XXXX XXXX, known as XXXX, attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by XXXX that the dispute of the information from National Credit Systems Inc had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from National Credit Systems Inc had been added back into my account, and dated as being reported on XX/XX/XXXX. 
National Credit Systems has never made any attempt to contact me.
I was calling in to the credit card company, to make a phone payment for  XXXX   2017 , as I do every month. The voice message informed me, before I could even make payment, that I was charged a {$25.00} late fee on  XXXX / XXXX / 17  ( for no payment made ) and now I owe, as of when I made call on  XXXX / XXXX / 17 , {$84.00} for month of  XXXX  and {$100.00} for current month of  XXXX . I then reached out to representative this evening to ask why I was charged a late fee for  XXXX  and expected to m ake x2  payments now ( for  XXXX  &  XXXX   ),  when I made {$100.00} payment on  XXXX / XXXX / 17  for the month of  XXXX .  (  Mind you, I also made {$100.00} payment on  XXXX / XXXX / 17 , so  XXXX  was paid up as well ) .The  XXXX  representative told me that since my payments are due on the  XXXX  of every month, I paid my  XXXX  bill too soon so it does n't count towards my  XXXX  bill and since there was no other payment made closer to the  XXXX , it was considered no payment made, I was considered delinquent in payment and now I owe for both  XXXX  and  XXXX  with late fee. This is crazy to be penalized for an early payment made during the month a payment is due. I closed this account some time ago and I am just making payments until balance is zero. It just seems like the bank is taking advantage of paying consumers. I have not yet made my  XXXX  payment. This is so very wrong.