WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX   XXXX  filed a collection on my Credit Report stating that I owed them with for an unpaid cell phone account. I did not open an account with  XXXX  in  XXXX . Subsequently, I filed a Dispute with the Credit Reporting Agencies which resulted in the Bureaus removing the Collection from my credit report. In  XXXX , a  XXXX   XXXX   XXXX   XXXX  filed another Collection to the Credit Reporting Bureaus under the Name of a different  XXXX   XXXX   XXXX  again stating that, I owe an unpaid .Cell Phone Account. Again, I filed a Dispute and the Debt was again removed. Since that time, e very 3-6 m onths or, so a  New   XXXX   XXXX   XXXX   XXXX  files a Collection against my Credit after it has been removed which is Harassment. I have repeatedly informed th e Bureaus that, the  Collections are false and, not to allow  XXXX  or any of it 's m any Collection agencies  to continue to place erroneous debt collections on my report as they .have been added and removed no less t han seven time s previously. I would ask  XXXX  to cease and desist in their Harassment of me by continually making erroneous fraudulent collection claims.
In my three credit reports appear wrong information which could be fixed but the bureaus do n't report the correct information or remove the incorrect one. XXXX XXXX sent to me a letter fixing the wrong report on XX/XX/XXXX about a pay late they were reporting in my mortgage on XX/XX/XXXX by mistake and the bureaus have n't remove from my credit neither fix other wrong information about some debts I already paid and them do n't upgrade my report affecting me in my financial goals. If you need the information I have tell you I can send you when you ask me for. Please help me in this matter as soon as you can because I am trying to refinancing my home and this is stocking me. 
Thank you XXXX XXXX
XXXX XXXX XXXX must be removed from report. I dispute this debt. I paid XXXX for telephone and texting to other cell phones. I became ill and started text ing landlines. texts did not go thru on landlines. XXXX wireless charged me {$290.00} for texting to landlines which could not would not go thru.
Between XXXX XXXX and XXXX XXXX, Equifax was hacked and a large number of accounts were released to those hackers. After using Equifax 's website to see if I was affected, the Equifax website declared that I most likely was included in the hack. I 'm posting a complaint against Equifax for this hack and the delay in which they alerted people.
Never recieved a bill so i do not understand why im recieving this letter. I have insuranc so i should be covered for whatever procedure!
I applied for and received a XXXX card through XXXX/Chase. I applied for the card on XX/XX/XXXXunder the marketing advertisement of receiving XXXX bonus miles if I spent {$2000.00} within the first 3 months of opening my account. I had fulfilled the obligation according to my XX/XX/XXXX statement and I called several times inquiring when will the bonus miles be applied to my account. I was graciously told by XXXX that the miles will be applied by Chase withing six to eight weeks. When I called Chase in XX/XX/XXXX, they stated I did not fulfill my financial obligation of spending {$3000.00} in order to receive XXXX bonus miles. I explained to them the advertisement stated {$2000.00} for XXXX XXXX. I applied for the credit card on XX/XX/XXXX from XXXX and the page stated {$2000.00} for XXXX bonus miles. Apparently Chase and XXXX were running two different promotions but I the customer should not be held responsible
To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the  FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/XXXX
ON XX/XX/XXXX, I FINANCED A VEHICLE FROM A NOW CLOSED AUTO DEALERSHIP NAMED XXXX LOCATED IN XXXX, FL. THE VEHICLE, A XXXX XXXX XXXX PRICED AT ROUGHLY {$16000.00}. I SAT WITH AN AGENT, DISCUSSED THE TERMS AND FINALLY CAME UP WITH A PAYMENT AMOUNT THAT INCLUDED GAP INSURANCE AT ROUGHLY {$430.00} PER MONTH FOR 72 MONTHS TOTALING TO {$30.00}, XXXX ROUGHLY WITH AN INTEREST RATE OF OVER 20 %. FROM XX/XX/XXXX-XX/XX/XXXX I MADE ON TIME PAYMENTS TO THIS BANK FOR THE VEHICLE. ON XX/XX/XXXX I WAS REAR ENDED BY ANOTHER VEHICLE CAUSING MY VEHICLE TO BE DECLARED A TOTAL LOSS. WITHIN THE NEXT FEW MONTHS, BY XX/XX/XXXX, THE VEHICLE WAS ASSESSED BY THE INSURANCE COMPANY AND VALUED AT ROUGHLY {$15000.00} AND THE PAYMENT WAS MADE TO THE BANK. FROM, THERE MY GAP INSURANCE WAS DUE TO PICK UP THE REMAINDER AMOUNT OF THE LOAN IF ANY. FROM XX/XX/XXXX - CURRENTLY, SANTANDER CONSUMER IS REPORTING A PAST DUE AMOUNT ON THE VEHICLE WHEN INDEED FOR A FACT THIS VEHICLE WAS PURCHASED WITH GAP INSURANCE TO COVER. THE PAST DUE AMOUNTS HAVE FLUCTUATED PREVIOUSLY ON CREDIT REPORTS FROM {$6700.00} DOWN TO {$5900.00}. THIS COMPANY HAS BEEN REPORTING INACCURACIES AND HAS BEEN VERY HARMFUL TO MY CREDIT STANDING. THIS VEHICLE SHOWS AS A REPOSSESSION TO CREDITORS AND IT IS NOT!
XXXX XXXX case which is stated to be closed. However, I have not had any resolution with Lexis nexis. I have requested Lexis Nexis to correct my report. Currently my data is combined with another individual. I am XXXX XXXX XXXX from XXXX Ohio, XXXX XX/XX/XXXX SS ending XXXX. My report is combined with XXXX XXXX XXXX of Oklahoma. completely separate SS #. This is the third request. I do not feel that it is that difficult to have this corrected. Lexis nexis sent a letter XX/XX/XXXX stating could take up to 60 days and it is now past that period. This matter is NOT CLOSED and NOT COMPLETED to my satisfaction.
I pulled my own credit report last year of XX/XX/XXXX and on that same month, I have disputed Items that has been almost 10 years past the 7 years due time for deletion. The collection agencies has continued to keep updating this very old debts just to reflect that there was a new activities. When I disputed the 3 major credit reporting agencies, creditor and collection agencies, I requested them to supply me a copy of all records of why I owed them because I do not have any recollections due to the time being so Old accounts and they can not provide me with anything, instead, they just keep updating the negative information with CRA for over 10 years now. Under FCRA 623 ( A ) ( 5 ) ( A ) - If you are a debt collector furnishing information to CRA about the accounts of a creditor, YOU MUST REPORT THE DATE OF DELINQUENCY GIVEN TO YOU BY THE CREDITOR, This dates of delinquency, determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven ( 7 ) years from the debt of delinquency. In my case, XXXXXXXX XXXX and XXXX XXXX  XXXX has been reported me for over 7 years and I believed it's close to 10 years now. 

1. XXXXXXXX XXXX - Opened Date - XX/XX/XXXX - Acct. Bal. {$550.00} / Charge Off - I have requested to send me any information regarding of my signed agreement with my signatures, documentations of all charges with my signatures, they can not provide me to support their inaccurate information and I believed that this is over 10 years now from the delinquency date that XXXX card has not reported to CRA and that has to be deleted off my credit report.under FCRA 623 ( A ) ( 5 ) ( A ) 2. XXXX XXXX XXXX - Opened XX/XX/XXXX - Collection Charged OFF / Closed / Account balance is {$1800.00} / XXXX XXXX XXXX did not report the delinquency date but I truly believe that this is over 10 years and XXXX XXXXXXXX XXXX continues to keep updating on this very old account that has been past due of the 7 years Under FCRA 623 ( A ) ( 5 ) ( A ) 3. XXXX XXXX XXXX - XXXX XXXX XXXX - Acct. Bal. {$200.00} - I have disputed this account and requesting CRA to provide me all the records of any agreements that I have signed with the credit grantor and any charges that I have approved but XXXX XXXX XXXX can not provide me with anything and they they continue to report negative information to ruin my credit. Any inaccurate information must be deleted per FCRA - you must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) 4. XXXX XXXX XXXX - Date opened XX/XX/XXXX - Account balance {$0.00} - Charged OFF - I have disputed this item of why payment status showing as Charged OFF and this negative reports to my credit is affecting my ability to buy a house. If XXXX XXXX XXXX can not provide me with the acceptable explanation or does not have the accurate information, Please delete this negative information off my credit report.
On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC Autopay XXXX XXXX XXXX, XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.
I have been disputing a account on my credit report from XXXX XXXX XXXX. On XX/XX/2018 i sent a letter to XXXX XXXX XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from XXXX XXXX XXXX within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.
I applied to refinance my mortgage online with Quicken, explained via a chat session that I wanted the lowest rate available without paying loan origination fees or points. The originator XXXX XXXX confirmed that he understood and quoted a 30 year fixed rate on my loan request of 4.05 %. Then a little later after I deposited {$500.00} with the company for the appraisal fee, I got the Loan Estimate ( LE ) which had a loan origination fee of {$3300.00} ( 1.25 % ) and a {$790.00} processing fee. On the credits side of the LE, there was a {$2000.00} lender credit to absorb some of that fee, but in my opinion {$1300.00} in origination charges was {$1300.00} more than was explained to me initially. That 's a large difference. 
I brought this to my loan originators ( LO ) XXXX XXXX and was unable to come to an acceptable resolution as he said that the highest rate he could charge me was 4. % and the lender credits would be larger absorbing fee. I did n't want my rate to increase that much, as that would have a material impact to the affordability of the loan and I felt that I had been intentionally mislead. I was then referred to a client resolution expert. He was able to help somewhat and increased the lender credit to {$3000.00} which did a better job at offsetting the {$3300.00}. Ultimately, I paid 4.125 % because that provided a large enough lender credit to make the loan affordable for me. 
During the process Quicken send me XXXX different LE 's without an actual change in circumstance or condition or request by me. I would get notice that there was a new LE. The fees or rate were always higher. I would then bring that to their attention to which Quicken 's reply was " whoops, that was a mistake '' I think that Quicken systematically uses bait and switch tactics to mislead and deceive consumers into doing business with them. I feel that they would have taken more advantage of me if I was n't as diligent to review every LE that was sent. 
Also outside of deception, the processing time was almost 60 days, and the morning of closing they canceled the transaction on accident. When I called to get it resolved the closing specialist said " oh, that happens all the time '' After my recision they wired the funds to the settlement agent so late in the day that they could not send out the wires on the same day. Thankfully there was not additional charges to me for that. 
Overall it was a very frustrating experience filled with deception and rudeness from XXXX XXXX.
A case was filed against me in XXXX County Georgia XXXX XXXX by XXXX ( XXXX ) for an alleged debt. I have not received any contact via mail or phone nor was I served any court documentation regarding this matter. I do not know the original creditor ( if any ), amounts, or the nature of the alleged debt. I also have no information on the type of court filing this may be. On XXXX/XXXX/15, I received my personal credit file which shows that I am in collections status with XXXX XXXX ( listed as a creditor ). 

I became aware of this matter when I received several advertisements via US mail from bankruptcy lawyers referencing a court filing against me ( please see attached ). These advertisements prompted me to investigate to obtain further information. I performed a public record search in counties surrounding XXXX, GA and found the court filing which listed the contact information for XXXX XXXX. I called on XXXX/XXXX/15 to inquire about this matter and a representative informed me that this account has been transferred to Frederick J. Hanna & Associates. I asked the nature of their business. The representative stated that XXXX XXXX is a debt collections agency and that no further information could be provided. 

I contacted the Frederick J. Hanna & Associates office on XXXX/XXXX/15 and spoke with a representative by the name of XXXX XXXX. I explained to XXXX XXXX that I did not have any knowledge of this alleged debt nor did I receive any contact or a written validation notice from his firm or XXXX XXXX XXXX regarding such debt. I also explained that the only notification I received were advertisements from bankruptcy lawyers referencing the court filing. I then asked XXXX XXXX to send me a copy of the original written validation notice, if any ; via mail to the address his firm has on file. XXXX XXXX then requested personal information ( social security number and date of birth ). I informed him that I would not provide such information without knowing the nature of this alleged debt. XXXX XXXX refused to grant my request to provide documentation and any information regarding the matter due to my not providing personal information. I written a letter to Frederick J. Hanna & Associates sent via certified mail on XXXX/XXXX/15 ( please see attached ). As of today, I have not received any contact from the firm.
XXXX XXXX XXXX filed a state tax lien ( s ) which was reported by all three credit reporting companies. The lien ( s ) have been released properly under Cert # XXXX for XXXX XXXX reported as Release of Lien by XXXX and XXXX, However, Experian is still reporting the lien filed with the XXXX XXXX County Recorder as being an open and active lien not as RELEASE OF LIEN like XXXX or XXXX have already updated their report the reflect RELEASE OF LIEN as noted below for Experian : Experian Court / Docket Number Plaintiff Ownership Filing Date Balance Amount XXXX XXXX XXXX XXXX Individual XX/XX/2016 State tax lien
Called XXXX verified they sent me a letter verifying this account was closed in XX/XX/XXXX. I sent it to credit Management they changed it on all 3 credit reports only to turn around and change it back to XX/XX/XXXX. This account is from XX/XX/XXXX they are reaging this bill twice now.
I am livid with Nation Star for refusing to work with me on a fair resolution to satisfy my foreclosure. I had to re-apply numerous times because Nation Star purposely used wrong property value and/or labeled my home as a single family residence to avoid approving my loan for XXXX XXXX modification. I was approved for XXXX non-affordable modifications based on incorrect property value. Nation Star used an inflated property value to justify the outrageous trial payments and after submitting my own appraisal and proving them wrong they retracted the offer and allow me to re-apply. Again, they continue to use wrong property value and offered trial payments that were not affordable. This is when I began to get frustrated and decided to contact my investor directly. My investor advised that I was eligible for all government modifications and based on my property value my monthly mortgage payment should not exceed {$1800.00}. I provided all proof submitted to Nation Star and was told I would be approved within 30 to 60 days. Once again that never happened because according to Nation Star my property value had increased over XXXX within 30 days. I demanded proof and when I receive Nation Star 's BPO they used a commercial building to increase my property value for their benefit. Finally, my investor contacted me XXXX 2015 and advised to not file a complaint with my attorney general nor cfpb because they had approved a new modification that would help me called XXXX XXXX. Finally, I was relieved and static to find a solution to this problem that had begun to affect my well-being. Unfortunately, my positive outlook was cut short when Nation Star continue to deny me mortgage assistance. To my dismay it has taken over a year to get approved for XXXX XXXX despite my investor reaching out to me directly based on my eligibility. Nation Star has and continues to label my home as a single family residence when it clearly shows in all BPO 's, Appraisals and XXXX county records that it is a XXXX to XXXX unit property. Regardless of all proof Nation Star conveniently continues to make internal mistakes to deny XXXX XXXX Modification. Moreover, Nation Star was sued and I was part of the settlement therefore Nation Star 's underwriting department advised my loan would be considered for XXXX modification. After advising Nation Star this was my next step they finally decided to review my loan for XXXX XXXX. Nation Star claims they are reviewing me because they received enough proof to move forward. I am terrified to lose my home therefore I am submitting this complaint to ensure they do modify me under my city modification. I have tried to work with them for the past 2 years and they have done everything to deny me assistance and prolong my foreclosure. I trust that with this complaint my loan will be modify under XXXX XXXX modification so I can satisfy my foreclosure. I have done and continue to do everything in my power to save my home. Please help me in this stressful matter. Thank you for your assistance.
My home was burgled in XXXX XXXX. Subsequently, XXXX credits cards were opened in mine and my wife 's name, most of which we have been able to dismiss at this time. However, a XXXX XXXX account was also opened in our name, and {$390.00} was charged to my account without my knowledge. In XXXX XXXX, I received a collections notice for this amount. I submitted an affidavit that my identity had been stolen, and I had not opened this account. I heard nothing about this account since, but received yet another collections notice in XXXX XXXX without hearing anything about my initial affidavit. I have tried calling XXXX XXXX multiple times, but get shuffled between Customer Solutions and Payment solutions, with no one taking ownership of a solution.
I am a XXXX survivor twice and can not handle anymore stress at all! 
I am a mother of XXXX XX/XX/XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXXI filed suit under XXXX XXXX Lemon Law XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of XXXX over 24 months and payments and auto insurance. FINALLY XXXX XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED