WillisBack/dataset-financial-user-claim huggingface dataset:
TRANSFINANCIAL AND XXXX will not remove a paid debt that on my credit report.

I have the letter from Transfinancial saying its paid in full. They promised to delete it off my account once it was paid. But until now my XXXX account says I owe. ( {$810.00} ) medical bill.

I am a VETERAN and I don't appreciate the treatment I am receiving. I used my hard earned TAX RETURN just to pay it off.

PLEASE HELP!!!
Received a call from a man stating he was with Spotloan.com about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is BlueChip Financial and not even licensed. They need to be stopped!!
To whom it may concern, I have an issue with missing deposit payment in my XXXX account. More than 10 days ago ( XX/XX/XXXX ) a friend of mine transferred XXXX Euro from his XXXX XXXX based bank ( XXXX credit card ) yet I have n't received anything in my Coinbase account yet, however the transfer results successful from his side since XX/XX/XXXX. 
Considering the fact his account is in XXXX XXXX ( XXXX ) and currently Coinbase accepts transfers from US and XXXX only ( according to their website statement ), I assume this transfer will never arrive to me. Although I want to know when the amount will be returned to my friends account? 

I have tried to contact their team countless times via their official website ( case ID : XXXX ), phone ( waiting on the line for hours ), official XXXX account ( created topic and contacted their staff ). So far I do n't have any feedback where this money is and when they are planning to accredit/return it.
In approximately XXXX the mortgage on my home was sold by XXXX to Nationstar Mortgage. The mortgage was ONLY in my XXXX 's name. I was NOT on the mortgage. On XXXX XXXX, XXXX, my XXXX  refinanced the mortgage to take advantage of a lower interest rate and lower monthly payments. He was contacted by a representative of XXXX XXXX who advised they would be handling the refinancing for Nationstar. The representative came to our home with the closing documents for my XXXX to sign. The representative stated that XXXX XXXX required that he have me, as spouse, sign some forms affirming I was legally married to my XXXX. He further stated the signing of these documents would in no way obligate me to be responsible for the payment of the mortgage, it was just a formality. He also advised that within XXXX days of XXXX XXXX, XXXX, XXXX XXXX would transfer everything back to Nationstar and the relationship between my husband and Nationstar would resume as it was prior to the refinancing. Approximately 30 days later, my husband received a letter informing him the transfer back to Nationstar had taken place, and he again began receiving monthly billing statements in his name only from Nationstar. Over the course of the next several years whenever Nationstar would call our home to speak with my XXXX, should I answer the phone and offer to assist them ( in the event my XXXX was unavailable ) I would be told they were not authorized to speak with me because I was NOT on the mortgage. In XXXX XXXX, my husband XXXX XXXX suddenly. I contacted Nationstar and advised them of my XXXX 's XXXX. They stated they were no authorized to speak with me about the mortgage, because I was NOT on the mortgage. I was unable to keep up the mortgage payments on my own. My attorney attempted to speak with them, but to no avail. On XXXX XXXX, XXXX, my attorney forwarded a letter to Nationstar requesting a history of the loan. On XXXX XXXX, I received letters addressed to my XXXX and XXXX to me from a law firm, XXXX informing me of foreclosure proceedings with the auction of my home set for XXXX XXXX, XXXX. The letters were dated XXXX XXXX, XXXX, XXXX days after my attorney requested a history of the loan. I have been unable to get any response from Nationstar as to how it is I was never on any mortgage with them, they always refused to talk to me, and now they are foreclosing on my home against me on behalf of XXXX XXXX, who was only supposed to be handling the closing of the refinancing back in XXXX. It is my complaint that Nationstar and XXXX XXXX have engaged in certainly unfair, and perhaps unlawful, practices in regards to their handling of the mortgage. My deceased XXXX and I were mislead and deceived by Nationstar and XXXX XXXX. And, to add insult to injury, they have refused repeated attempts to communicate directly on this matter.
I have numerous accounts showing that I have late payments that have fallen under XXXX XXXX all in and around XX/XX/XXXX through when the name change to XXXX XX/XX/XXXX. I have never had a late payment as the loans have been in a deferment. I have continued to dispute these errors on my credit reports and at one point even had a credit repair agency dispute these errors and yet these continue to remain on my report. I don't know what I need to do to have these items removed. XXXX XXXX is listed 9 times 1. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX opened XX/XX/XXXX, {$1000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX opened XX/XX/XXXX, {$3000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX opened XX/XX/XXXX, {$4500.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 6. XXXX XXXX   opened XX/XX/XXXX, {$2000.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 7. XXXX XXXX opened XX/XX/XXXX, {$1300.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 8. XXXX XXXX opened XX/XX/XXXX - {$6600.00} - wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX opened XX/XX/XXXX, $ XXXX- wrong XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX, {$5800.00} - wrong All my loans were consolidated in XX/XX/XXXX and were placed in deferment due to numerous surgeries and unemployment. All these had been documented and yet this company placed these accounts erroneously right before they switched names to XXXX and all of a sudden there are no late payments. This company should not have been allowed to ruin people 's credit based on their illegal practices. I need these to be taken off.
They are reporting multiple items on my credit report saying I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.
I bought my vehicle and ever since the second day of owning my vehicle there has been nothing but problems. The dealership and the bank does not want to help me out at all. Now I 'm stuck paying $ XXXX for a paper weight that 's been in and out of the shop about 11 times since I purchased it on XXXX/XXXX/2016
I have been paying them to let payment plan which I have not continue to do it to serious hospitalization and I try to explain that on several occasions the gentleman continue to harass me call me tell me that 's not his problem and was is verbally abusive when trying to make contact with him to set up a different payment plan. he refuses to knowledge any other plan other than pay him today! 
It has become so bad at this point I do n't even answer the phone however made my last attempt today XXXX XXXX and had to hang up because of the abuse was so bad! 
He has stated he 's already reported to my credit and continue to make threats of further actions. The company continues to add personal fees on top of the original fee that I/O and we can use to make any payment plan or negotiation with me we ca n't even get to that point because of the abuse of the gentleman on the phone. When request to speak to another agent he refuses to who is the only one on my case and on this phone line repeat when request to speak to another agent he refuses to who is the only one on my case and on this phone line repeaterly.
I submitted a dispute online on a debt with XXXX XXXX Hospital that has been settled. This was confirmed by a representative of XXXX when I asked him to look at my old file. He said that the old debt collector has instructed XXXX to delete the negative report on the supposed debt. I asked XXXX why it would accept a file from a new collection agency, XXXX, on an old debt that XXXX   acknowledged has been settled. The rep said that it has no control on who files what on credit reports. 

On the online dispute I filed with XXXX, I just received notice stating that the debt is confirmed by the creditor, but the creditor it listed is the collection agency, not the original creditor. I do not think XXXX did any investigation other than asking the collection agency, XXXX, to respond to the dispute I filed with XXXX. The provided contact number and address of the original creditor turned out to be those of the debt collector, XXXX XXXX. 

XXXX is being irresponsible in just accepting the report of the collection agency even though its own representative, informed that this is an old issue that has been settled, still went ahead and reported that this debt has been confirmed as valid based on the say so of the collection agency. 

I think the collection agency is being clever by half in changing the amount owed from the original amount of {$1500.00} it filed to now {$1500.00}. I suspect this is to throw off XXXX to think that this is a new debt.
The addresses shown on my credit report are not mine. I've lived in the same address for over 12 years and I've never lived in XXXX Connecticut. I've always lived in XXXX Connecticut. Is this affecting my credit report and is someone else using my identity?
I fill out the form to get my annual free credit report, i give all my information asked i the form to this web page and the last step is asking mXXXX about money charging XXXX dollars and change to give my information. This supposed to be free why asking and getting all my information if this web page will not give me my credit report??
On XXXX XXXX, 2014 I ordered medical products from XXXX XXXX XXXX in XXXX, Florida, totalling {$4900.00}. Within an hour or two I called back to cancel the order. The next day I received the order anyway. I made numerous attempts to contact the company, and left messages, but was never called back to resolve the issue. I never opened or used any of the product. 
I filed a dispute with U.S. Bank and was given a temporary credit on XXXX XXXX, 2014. I was told by U.S. Bank it would be taken care of, but on XXXX XXXX, 2014, U.S. Bank reissued the charge against my account. I have called on numerous occasions, each time being told it would be taken care of. Now, nearly a year and numerous calls to U.S. Bank later, I was told that U.S. Bank was not able to get a refund from XXXX, and there was nothing more they could do for me. Now I have no product after returning it to XXXX 's XXXX XXXX, and no refund. I have carried that {$4900.00} balance on my Visa card since, and have been accruing interest since XXXX 2014. 
This should never have been billed to my credit card in the XXXX place, as I cancelled the order, but now it 's beginning to affect my credit score when I 'm trying to purchase a house. 
Please help me in having this fraudulent charge and accrued interest removed from my credit card account and my credit report.
In 2013, I started working for a public school and learned about the loan forgiveness program. I called Navient ( my student loan servicer ) to consolidate my loans to qualify for loan forgiveness. They said that their income based loan would qualify me for the loan forgiveness program. I consolidated my loans, and AGAIN asked " does this qualify me for loan forgiveness program? '' They told me, " I was all set! '' They also stated that there was no form to submit for loan forgiveness until I completed 120payments over 10 years so I did not follow up sooner. Recently, I called to check in around this, and was informed that I WAS NOT in the loan forgiveness program, and that I needed to consolidate my loans through the US department of ED. I was furious!!!!!! I have been paying for 4 years and was misled by this company completely!!!!!!! Now I have consolidated my loans through the US department of ED in a direct loan, and have ONE payment toward my 10 years. This is so wrong by Navient and I am devastated!!!!!!! I just lost 4 years of payments. I will fight for that to be forgiven. They mislead me completely!!!! Please help me resolve this issue. I feel so violated ... I have never been late on my loans, I want those loans to count toward loan forgiveness-I have done right by my student loans. Navient was dishonest, and misled me ... 

Sincerely, XXXX Sincerely, XXXX
I attempted to switch my television/internet/phone services to  XXXX  around  XXXX   2014 . I had  XXXX  working phone lines in my in which were not ported over, so I was left without working phone and internet services. I also experienced technical issues with my television services as well. I stayed in constant communication with  XXXX  as I did not have properly working services and I was always bounced to my previous provider of  XXXX  to handle the issue, in which they could not because my services were taken over by  XXXX . I spoke numerous times with  XXXX  technical support and porting services and to no avail services were not fixed and I switched back to  XXXX . I was informed that due to the trouble that I experienced, I would not owe a bill, it would be settled and now I have a bill reported in Collection, which I received no notice of prior to reporting to the credit bureaus. I spoke with  XXXX  customer relation a couple of months ago to have this matter taken care and I basically informed that I owed the bill.
I recently refinanced my home and obtained a loan through Fifth Third Bank. I specifically chose Fifth Third since they had my original mortgage for 14 years and I knew they did not sell their mortgages. Selling of my mortgage is a concern due to the recession in XX/XX/XXXX. Several times during my conversation with Fifth Third mortgage employees and customer service representatives, I mentioned that being a consideration of mine in choosing to refinance with Fifth Third and the employees did not refute my statement. I received a letter yesterday, XX/XX/XXXX, from XXXX XXXX telling me my Fifth Third mortgage had been sold to them. I do NOT want XXXX XXXX to have my mortgage. What recourse do I have? 

Thanks, XXXX XXXX
I have declared bankruptcy and Caliber has posted my home for Sherrifs sale twice during this period without requesting relief to do so. Please see the attached letter from my lawyer.
XXXX, the loan servicing my Perkin 's Loan, withdrew funds for two accounts  from my checking account while my account was in deferment. I called to explain that their mistake is causing me to have a financial hardship, which is contrary to the purpose of deferments, and they stated it would take 45-60 days to return funds to my account. I found that to be completely unreasonable. I requested the assistance of a supervisor who then told me he could get it to accounting but it could take up to 3 weeks, even if it is expedited. I was not happy with that, nor do I find their practice to be feasible given the fact the mistake was on their part. I called a week later and they still have not reviewed my account. I feel someone needs to look into why they are not able to reverse payments when they make a mistake with in the standard 3-5 business days.
I had to parcel 's that set side by side. XXXX XXXX XXXX XXXX, XXXX Co owner of XXXX XXXX, now XXXX, stole my identity, XXXX parcel homestead ( located XXXX. ) ( XXXX ) and submitted a 1st mortgage into XXXX XXXX. Then refinanced that mortgage changing the parcel to my XXXX XXXX parcel and falsifying the address to " XXXX '' XXXX XXXX XXXX XXXX. to hide the " XXXX '' XXXX XXXX 1st mortgage.
I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer XXXX. XXXX failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XX/XX/XXXX, the primary account holder contacted XXXX and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by XXXX would be due at the very end of XX/XX/XXXX. Payment was actually made Monday, XX/XX/XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XX/XX/XXXX advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XX/XX/XXXX. I called XXXX and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is XXXX policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

XXXX, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XX/XX/XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XX/XX/XXXX to make the payment, which XXXX agreed to and approved, according to this letter XXXX still would have reported the delinquencies to the credit reporting agencies.
Procollect Collection agency reported a debt of {$870.00} by error to my credit report, I find out of that debt when I was trying to get a Home Loan and I was told that I needed to pay that first. Credit report was showing that balance was from Original creditor XXXX XXXX, I contacted that storage place and talked to a Supervisor, I faxed over my information over to them. They advised me that they did not reported anything under my SSN to credit report, and that the error is from the collection agency. 
I contacted Procollect on XXXX/XXXX/XXXX and talk to XXXX XXXX I told him that there was an error that account # XXXX with a debt of {$870.00} from original creditor Assured Self Storage was not mine. He advised me Fax my DL, SSN and a Police report. I faxed over My information and also contacted them back to make sure it was received. I was told account was going to under investigation. On XXXX/XXXX/XXXX I received a letter from Procollect stating that was a true debt and also they mailed me a contract of for a storage unit under the name of XXXX XXXX XXXX Last XXXX of SSN # XXXX, date of birth XXXX/XXXX/XXXX From XXXX. 
I contacted them back to dispute again because on the contract clearly stated that me and the person who signed the contract are XXXX different person because my name is XXXX XXXX XXXX last of my SSN XXXX, my date of birth XXXX/XXXX/XXXX I 'm not from XXXX. I told them this tells me that you did n't even took the time to review my case and resolved BIG MISTAKE ypu have made. I talked to Supervisors and they keep telling me that is my debt and that I need to pay. I called them so many times to fix issue and they are not listening. I think is unfair to charge me for some XXXX else debt and this company should not be running a business, because they charging to the wrong person, also this their employees are very rude that makes your life so difficulty. You can not imagine how much time and tears I have waste because of this company, I even had to go to the doctor and asked for medication because I was so stressed out about this issue and my XXXX XXXX, and the worse thing is not is not even my debt. I contacted local police dept. for help. Detective XXXX assisted me contacting them, they told her that it was going to be taking care, the next day this collection agency call me back again asking to pay that bill. After I faxed and email my proof they did nothing to fix the problem I called the XXXX and file a claim with them they told as well that it was going to take care. I contacted Procollect to ask for a letter stating that issue has been taking care and that balance has been removed from credit report, I 'm asking for the letter because I do n't trust them and I 'm scare that this is going to happen again. When I called they keep telling that they will give me a call back, but they are not returning my call back. Please help me with this issue and please do something about this abusive company.
Mid XX/XX/XXXX checks were stolen from our financial advisors office. This account was closed on XX/XX/XXXX. XX/XX/XXXXmy credit union denied payment on a electric funds transfer to XXXX on XX/XX/XXXX for {$620.00} using the account number of stolen ( thus closed ) account and mailed me a notice. About 2 weeks later I received notice from XXXX XXXX XXXX that they were trying to collect a debt for XXXX store # XXXX. I sent them a letter explaining the situation and received a letter back asking for more documentation. 
I then found the location of XXXX # XXXX. It is in XXXX, WA, about a 2 hour drive from my home. I do not shop at XXXX at all and there are 3 or 4 in my area. I then called XXXX county law enforcement where XXXX is located. After taking my report they went to XXXX # XXXX to investigate. XXXX had no record of a purchase on the date of the EFT, nor for a for a few days prior or later. Law enforcement unable to reach TRS by phone but did see online comments about them for the same type of situation. Advised me not to communicate with them further as this is probably a scam.
I have yet to receive validation on this account. Enough time has gone by. I have requested this several times. I feel the information is not accurate, I do not owe the amount stated and this account is outdated. The last time I requested a very nasty collector called me. It was not a good call. I have rights to.
I originally had a private loan through  XXXX   XXXX , when i agreed to the loan, many options were available if I was not able to make payments - many many options. When the loan was transferred  to Navient, I assumed similar options would still be available to me. I hit a hard time and was n't getting the hours at work I usually do, I called Navient to work something out and they were not constructive at all. The only option they gave me was Forbadence. All t he options I had when I originally agreed to the loan we no longer available to me and I feel that is unfair to me.