WillisBack/dataset-financial-user-claim huggingface dataset:
I received a second notification form this company about a proposed debt with them. XXXX XXXX handled this matter a while ago and yet i receive communication regarding this matter from time to time. 

This company has called my number repeatedly regarding this and i spoke with an agent today and informed them that this is not my debt and was the result of identity theft. I need these harassing calls to stop. this company continues to try and collect payment from me although i have already sent a letter asking that they cease with the calls and phishing regarding an invalidated debt that was the result of ID theft.
I applied for repayment assistance and was denied and assistance with direction or options that could be available. Was given no explanation as to why I was denied.
XXXX is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid. 

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with TransUnion and XXXX so I disputed it since the account was paid in 2016. In response, XXXX recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED. 

XXXX is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal. 

Instead, XXXX continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately. 

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected TransUnion and XXXX reports. 

Both of our records ( mine and XXXX 's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale. 


***Documents Attached*** - Not for Posting Examples from credit reports of how XXXX is falsely reporting my paid account # XXXX on my credit reports. 

On TransUnion, XXXX changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On XXXX, XXXX reported the Current Status as a current Charge Off/Referred to Collections making it appear new
We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. 

We are unsure of what they are doing
PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY
1. Ocwen failed to provide for any principle reduction..
2. Ocwen failed to provide for the reduction of excessive and exorbitant fees that they have assessed.
3. I have provided Ocwen notice of errors in the statement of account they have provided, and they have neither fixed the errors or provided any explanation.
4. Ocwen is dual tracking me. After approving the trail modification with the payment scheduled for XXXX XXXX, they sent a notice of a foreclosure sale scheduled for XXXX XXXX. I believe this was a bad faith effort to manipulate me into signing a deficient modification offer that is out of compliance with the guidelines of the Federal Settlement they are bound to, and accepting a ballon payment of over {$500000.00}.
5. Ocwen has sent letters stating 3 different amounts as my payment. After sending their proposed modification payment amount they sent a new statement stating a payment that is 40 % higher. What is the payment going to be after the trial period?
Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me.
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. " that I have  disputed. Please resolve this manner as possible.
I have an account with a company called Coinbase. Initially, when I opened the account, I was in the state of Wyoming. I initially purchased a virtual currency called bitcoin in the state and the exchange allowed me to do this. However, I wanted to buy more coin and they said I had to upload my Identification. Upon uploading my identification, Coinbase locked my account and would not allow me to access the funds already in the account. ( I had approximately {$50.00} in the account ).

I have since moved to colorado and attempted to unlock my account by uploading my Colorado ID per the instruction of Coinbase. That action was taken approximately 1 year ago. Coinbase still has not unlocked my account. The company told me numerous times they would unlock my account and said the case had gone to a specialist but still nothing has come of this. The company essentially steals money by locking accounts.
I have XXXX US dollars frozen on my Pay Pal account. They refuse to release those founds to me sinceXX/XX/2018 They claim that this money belongs to me, but they will not transfer that money to my bank account. 

Account is linked to email address : XXXX XXXX
I received a copy of my credit report and I notice a fraudulent hard inquiry, I called Experian right away and placed a fraud alert and ask them to remove the inquiry for my credit report. They help me with the fraud alert but they haven't remove the fraudulent hard inquiry. Please help me removed this fraudulent hard inquiry from my credit report. XXXX XXXX XX/XX/ 2018 2018
United Revenue Corp is reported me to XXXX but I have never used any services from them or their affiliates. I asked them to provide me documentation of this debt so I can turn it over to proper authorities. But to no avail they did not do so. I verified my Idenity and current and previous address with them but the address they have for me I never lived there. I told them it is mistaken Idenity but the refused to notify XXXX to delete the accounts. They are on my credit report 4 times all different accounts.Account numbers are as follows : # XXXX # XXXX # XXXX # XXXX
I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with  updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that XXXX  and Trans-union are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.
On XXXX/XXXX/15 I paid ACS education services {$340.00} out of my checking account. Instead of taking out {$340.00} they took out {$680.00}. I have called them them twice to inquire about when my monies will be put back in my account and they state " 24-48 hours ''. I have yet to see the money in my account. I have other checks outstanding and if they do n't put the money back in my account, i will be penalized by my bank. What they did was theft plain and simple and they are dragging their feet to correct it. My account # is XXXX.
I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : XXXX XXXX XXXX- XXXX XXXX, 2016 XXXX Dba XXXX- XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX -- XXXX XXXX, 2016
The process to do anything about student loans is ridiculous. I 'm trying to consolidate my loans and I have had to deal with at least XXXX separate agencies to accomplish this. Student assistance Corp, Navient, and now studentloans.gov. Stop making everything so complicated. When I called Navient for details on all of the information about my loans the call center rep was n't really sure about all of the loans that I had with them. She also stated that she did n't have access to all of my accounts. That leaves me with zero confidence that anything that is being serviced by them is legit.
Macy 's ( o nline here :   XXXX   XXXX   XXXX   XXXX   XXXX    )   and at their  XXXX   XXXX   XXXX  location ( in  XXXX , NY, where no one has cars/trucks/etc, which will be relevant ), advertises up to {$100.00} off purchases made when you open a new card. The purchases must be made within 2 days of opening the card.  <P/> I went t o Macy 's to buy a mattress that was cheaper because of this {$100.00} offer and opened a card. The interest rate is  ridiculously high, and so I opened the card only because of this offer.  <P/> The in-store person I dealt with handled the entire transaction - he answered questions about the mattress, set up the credit card application, processed it, and set up delivery date. I did not speak with any other representatives, there were no opportunities for a store rep to misunderstand what was happening.  <P/> The associate told me the credit would appear on my first statement. I waited unti l 2 s tatements had come, and nothing was there.  <P/> I calle d Macy 's customer se rvice and was told that the issue was that the mattress was purchased on the day I applied, but only charged on its delivery date. At no point when applying for the card was I told this, and even after confirming the delivery date the salesperson continued to say that the total would be {$700.00} rather than {$800.00} because of the credit.  <P/> The phone representative claims that they will process the {$100.00} credit, but given how unethical their behavior has been I do n't fully trust that.  <P/> They continue to advertise this promotion on their website and in store, without any notes about this major limitation. I did n't buy anything other than the mattress set, and there was no ambiguity about why I was getting this card.  <P/> I now have a hard pull on my credit rating for 2 years for a discount tha t may never come through, and this company is continuing to take advantage of anyone who goes to them to make a major, large purchase. I do n't know about Macy 's locations elsewhere, but the perce ntage of sales of large household appliances and things like mattresses that are done carry-out in  XXXX  is minuscule, so there is no excuse for not being aware that the offered discount would not apply.
Apparently XXXX of my girlfriend 's credit cards ( XXXX XXXX ) was added to my list of credit cards, though I do not have the card, I am not an authorized user, nor do I have any type of access to this account. The account has had XXXX late payments, which are showing up on my credit report and damaging my score. The account shows as open, but with XXXX balance and it states that the last time it reported was on XXXX XXXX, 2014. On the credit report, it also states my responsibility for the account is " Terminated ''.
I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency Global Solutions back in XX/XX/XXXX and then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX Global Credit Solutions {$50.00} XXXX XXXX  XXXX XX/XX/XXXX Global Credit Solutions {$35.00} XXXX XXXX XXXX  XX/XX/XXXX Global Credit Solutions {$32.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.
I recently received a copy of my XXXX and Equifax credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact XXXX and Equifax to please remove these inquiries but in the end it turn to no avail.
I have gone to the hospital and advised them that this is not my bill I have never been to there hospital and definitely have no reason to visit hospital. Now I have this collection agency attempting to collect from me for an emergency room visit I did not do, however I have called my insurance XXXX XXXX to advise them that they paid on a bill that I did not incur my purse was stolen at XXXX Mall approx. XXXX week prior to this visit.
I have service with info armor and Transunion has not accurately reported or corrected the information they have been providing XXXX. XXXX has stated they have been going back and forth with Transunion as well to no resolve. In XXXX 2016 credit score was XXXX and now its XXXX - I have no idea what the credit reporting agency has done behind the scenes within a month to in accurately reflect a score of XXXX. I am trying to purchase a car and this is effecting my loan qualifications.
Capital One discriminated against me by only offering interest rate on a loan way above that of what they offer other individuals for no reason. They were completely predatory in there unfair loan. The company does n't refinance existing loans, again discriminating against me by denying me services they will provide other people.
Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX  and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is not validation. ( see attached ) Cavalry Portfolio Services sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several attempts to contact the credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX and each agency refuses to remove ... indicating Cavalry refuses. I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. I should not be obligated to pay for the alleged debt. Thank you in advance.
Coast Professional , Inc. is claiming that I owe XXXX XXXX XXXX XXXX College {$10000.00}. 

They have called my work multiple times which is not appropriate. I asked them to validate the debt. All account receivable forms that Coast Professional , Inc. show a balance of {$0.00}. 

Additionally, my student loan balances are owed to XXXX for my attendance of XXXX XXXX XXXX XXXX. 

They have called my personal line multiple times as well as continuously send me mail correspondence.
I applied for a loan online thru Ace Cash Express. I received an email from  XXXX   XXXX  letting me know that I was approved for a loan for {$5000.00}. Email included a letter from  XXXX   XXXX  along with the loan agreement. It said to call  XXXX  to finish the process. I spoke w/  XXXX  on  X/XX/17    who told me that in order to get this loan, they were going to deposit $ into my checking acct, & I needed to send back. He said I needed to do this because my credit was n't that good ( which it is n't ). They were going to deposit  XXXX  into my checking acct, & I needed to go to Walmart & send  XXXX  to  XXXX   XXXX  -  XXXX   XXXX  IL via  a Moneygram. Moneygram w as sent, & I paid  XXXX  ( incl  XXXX  fee ). I called  XXXX  to let him know th at Moneygram wa s sent, & he said to send him a copy of the receipt to his email, which I did. He, then, called me back letting me know that the {$5000.00} could not go thru, & it may be because my credit was low. He was going to try it again by depositing {$980.00} this time & to send back {$960.00} to  XXXX   XXXX   XXXX  IL via Moneygram, which I di d ( incl   XXXX  fee ). I called him again letting him know $ was sent, & he then told me again to send him a copy of the receipt, which I did. This went on for  XXXX  more times on  X/XX/17    ... deposited  XXXX , sent  XXXX  ( incl  XXXX  fee ) to  XXXX   XXXX  via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   XXXX   XXXX   XXXX  fee ) to  XXXX   XXXX  again via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   ( in  cl   XXXX  fee ) to  XXXX   XXXX  -  XXXX   XXXX  IL via  XXXX   XXXX . All of the receipts for these transactions were also sent to  XXXX  's email. We spoke again on Friday night,  X/XX/17   , & he said that everything looked good now on their end, & $ would go into my acct w /i 15 min s or on Monday. I sent him an email & text on Saturday to check on status & also left him a message as well ... .no response. When I checked my checking acct on Monday, I was negative  XXXX . The  1st  deposit of  XXXX  was taken out. I immediately called  XXXX  to find out what was going on because I was also unable to use our debit card or check acct on my cell phone, & they explained that my acct was locked & looks like all the deposits will probably be taken out,  & I may ha ve been scammed. I am now negative  XXXX . I spoke to both  XXXX  &  XXXX   ( w ho I think are the same person  ) s everal times on Monday & Tuesday, & they both told me that they would look into it & get back to me. I called again on Tuesday night & was told by  XXXX  that he could send me {$5700.00} via    XXXX   XXXX    if I paid {$500.00} fees. I told him I was not going to give them anymor e ,  & I wanted my $ back & was going to report them the authorities.
I have received phone calls from IC System repeatedly at all hours of the early morning and late evening ( including XXXX on the weekend ). the numbers were originally from the XXXX area code. I was never able to answer the phone, and nobody ever left a message.also called from an XXXX ( CT ) number. In the past 2 days they have robocalled me from XXXX ( ID ) and XXXX ( WY ) and have either not left a message, or I have answered with the delayed response from them and hung up ( indicating a robocall ). I returned their call both times and asked who they were and they refused to give me any information until I verified my address or my social security number. I do not give out personal information on the phone. I suggested that if they wanted to collect from me XXXX which they never actually confirmed who the creditor was XXXX, they needed to send me something in writing, and we returned to other person demanding that in order to do this, i had to give them my identifying information. They hung up on me in the middle of my own sentence about why they would n't be getting my information over the phone. they called me back about an hour later and it was another delayed call without a person on the other end. If i legitimately owe a debt, I am MORE Than willing to pay it, but I 'm not giving out any information over the phone ... not when they clearly already have that information if they are asking me to " verify '' it with them.
I WAS BUILDING A HOME IN XXXX XXXX XXXX, LOCATED IN XXXX, IN. THE POA CHARGED US ERRONEOUS FINES, FORCED MEINTO BANKRUPTCY, TRIED TO SELL MY HOME AT A SHERIFF SALE, TOOK ME TO COURT AND BOUGHT MY HOME OUT FROM UNDER ME. 
THERE WAS AN AGREEMENT BETWEEN MY ATTORNEY AND THE ATTORNEYREPRESENTING HIDDEN XXXX XXXX THAT NOTHING WOULD BEREPORTED TO THE CREDIT BUREAU. THIS IS ON ALL XXXX CREDIT REPORTS. 
I HAVE DISPUTED THIS ENTRY WITH THE CREDIT BUREAUS BUT THE ITEMREMAINS. I HAVE ALSO FILED A COMPLAINT WITH THE INDIANA ATTORNEYGENERAL 'S OFFICE.