WillisBack/dataset-financial-user-claim huggingface dataset:
Fair Collections & Outsourcing has placed a negative on mine & my wifes credit file in error and are still unwilling to resolve this after repeated letters sent and speaking to managers there. I sent FCO a debt validation letter on XX/XX/XXXX in order to make sure they follow the Fair Credit Reporting Act & Fair Debt Collection Practices Act but they never responded to the debt validation & we NEVER received any notification from FCO in regards to this account referenced in collections and on our credit bureaus. We made a FULL-PAYMENT of {$630.00} to XXXX XXXX XXXX XXXX directly. I spoke with XXXX XXXX from FCO on XX/XX/XXXX and she told me to email proof in order to get the collection account removed from mine & my wife 's credit file and she assured me that it would be done but to this day it has still not been removed. FCO is still continuing to report this inaccurate negative account on both of our credit files. FULL-PAYMENT payment was made directly to XXXX XXXX XXXX and not settled as it shows on our credit reports. I mailed 4 separate letters to FCO in order to get this resolved but they would not cooperate. 

Attached is our final account statement from when we moved out on XX/XX/XXXX directly from XXXX XXXX and also debt validation letter sent to FCO on XX/XX/XXXX which they never responded to.
I have an unverified account from DIVERSIFIED. I had previously disputed this account. I have never done business with DIVERSIFIED pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DIVERSIFIED Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DIVERSIFIED Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I have a private student loan taken out through Navient when I attended XXXX at XXXX and at first was working with them in an attempt to lower my student loan payments. Upon my decision to turn back to school many of the emloyees there encouraged me to pay {$100.00} to put my loan into forbearance for 3 months and bring all accounts current. I had been receiving emails from a XXXX who is apparently and account manager at Navient and decided to speak with him directly. I called on XX/XX/2017 at XXXX spoke with employee XXXX and told he either went home or had n't arrived and to call back in an hour. I called at XXXX the same day, was put on hold for XXXX minutes then was hung up on at XXXX. I called back immediately and spoke with a girl named XXXX who did n't give me her ID number and all of a sudden XXXX is available, in fact, " she has him right here '' she tells me. I speak with XXXX who tells me if I pay the {$100.00} my loans will go into forbearance, all accounts will be brought current and the harassing calls and payments should go away. I set up the payment with XXXX for XX/XX/2017 under the advisement of XXXX telling me to NOT let the payment happen in XXXX or else my loan would go delinquent. On XXXX/XXXX/2017 I check my bank statement to make sure they in fact did take the payment out of my account. I spoke with XXXX, employee ID XXXX at XXXX and, after putting me on hold and " checking with her manager, '' she assures me they did indeed pull the payment. Keep in mind that on XX/XX/2017 I received my federal tax return ( including XXXX $ child tax credit for my daughter ) so there was MORE than enough money in my account for Navient to withdraw the {$100.00} I had set the forbearance payment up for. Well, low and behold, I begin to receive phone calls about paying my loans again. I call back and tell them that I 've already paid the {$100.00} to place me into forbearance and they tell me that the payment was " returned '' 10 days later. So now, it 's XX/XX/XXXX, my loan has more than likely gone delinquent because they never took a payment out that I specifically called to make sure they got and my loan STILL is n't in forbearance. I finally decide to just grab my debit card and pay the {$100.00} then and there with a man from their credit dept who is apologizing profusely telling me this thing happens all the time and that payments made via automated bank payments are n't always reliable!!! Absolutely ridiculous!!! I made the payment the first week of XX/XX/XXXX. It is now XX/XX/XXXX, my accounts STILL have n't been made current as XXXX said they would be AND my credit score continues to drop for NO REASON. I also have records and bank statements showing they never even ATTEMPTED to take the payment of {$100.00} out of my account on XX/XX/2017. This is absolutely ridiculous and I 've honestly had enough with this unprofessional, rude and lying financial lender. They need to make this right for my sake and the hundreds of others they continue to take advantage of every day.
XXXX/XXXX is reporting five student loans on my Transunion and XXXX as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with Transunion and XXXX, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.
The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like XXXX, XXXX and Experian.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Apparently,  XXXX   XXXX   XXXX   XXXX  sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections comp any, AFNI. Now, both are appearing on my credit report and AFNI is mis-representing the date the account was open. The open date shoul d have be en  X/X/XX  but  they are claiming it was open in   XX/XX . Th ey are also reporting that I missed a payment in   X/XX . I  have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
I was promised verbally, bc VW refused to agree in writing, that I would be able to reinstate my lease after payment. They did not honor that promise. My car was then repossessed on XXXX/XXXX/XXXX & the vehicle contained my work equipment etc. When I went to retrieve my belongings, I was told I had to pay {$150.00} to retrieve them, which I had to pay, in cash. Some belongings were also not listed & missing from inventory list. I was told by the repo company that this was VW policy & the law. I contacted VW, who  never responded. Then on XXXX/XXXX/XXXX I received a letter from VW credit that I owe XXXX, there was no detail breakdown included, & I was told that I would owe the remaining payments, along with repo fees etc. My remaining payments were possibly 6 payments, I ca n't get a hold of anyone who will talk to me about my lease, so I do n't have the exact information. My payments were approximately {$570.00}, so I am not sure why I owe so much. I believe my rights were violated by VW financial. Now they are threatening collection activity and have not responded to my written objection dated XXXX/XXXX/XXXX.
I opened a gold Amex business card and the mailer said that if I spent {$5000.00} in 3 months I would get   XXXX   points, and another   XXXX    points for spending another {$5000.00}. This makes a total of   XXXX    points for {$10000.00} spend. Amex admits ( several times on phone and live chat, screenshot attached ) that this offer was attached to my account, but denies I spent {$10000.00} ( once on chat they even agreed that I spent it, and opened a case but never gave me the points ). See statements attached, showing I spent more than the required amount.
I was contacted by XXXX XXXX and XXXX XXXX through XXXX on XX/XX/XXXX. I was given a pre-qualification for a home loan from XXXX XXXX XXXX XXXX. on XX/XX/XXXX in the amount of XXXX. I did not find a home until XX/XX/XXXX and I contacted XXXX XXXX to update him on the home. Then I had to finish the paperwork to complete the process in getting the loan. The home loan was supposed to be for XXXX. XXXX XXXX contacted me on XX/XX/XXXX to tell me that my credit score went down. I was given a list of items to pay off in order to bring my credit score back up. After those items were paid and a receipt provided to XXXX, I did not hear from him again. My realtor and I both tried on several occasions to get in contact with him but received no response. On XX/XX/XXXX the mortgage commitment was due. On XX/XX/XXXX I called XXXX XXXX from my job and afterwards I received an email stating that he would provide an update of my loan to my realtor and the listing agent. I 've called and emailed him to get some more information so I could move forward to complete my loan but still no response. This mortgage company has put me in jeopardy of losing the purchase of this home and my earnest deposit. I am forced to start with a new mortgage company which has pushed my settlement date into XX/XX/XXXX. This company has been unprofessional and caused a lot of stress and money. They should not be aloud to operate a mortgage business.
I have disputed an account on my credit file numerous times and I 've been informed by the credit reporting agency that my account was investigated and that the item remained unchanged from the processing of the dispute. The account was included in a Chapter XXXX bankruptcy in which was discharged on XX/XX/XXXX. The credit reporting agency is using that date as the date of recent balance in which will place the account on record until XX/XX/XXXX. The date of last activity for the account was in XX/XX/XXXX. So therefore the account has to be deleted from my credit file according to the Federal Credit Bureau guidelines. I also made contact with the creditor and they stated to contact the credit reporting agency to have the old account removed from their records. I have made numerous requests to have the old account deleted from my credit file. However, the credit reporting agency has failed to respond to my requests.
XXXX obtained my credit report without my prior authroization or consent. Since I already have a pre approved loan with XXXX, I informed them that I would use my approved loan instead of them financing. But XXXX XXXX pulled my credit report from EXPERIAN CREDIT BUREAU without my authorization. I also didnt provide any written or oral authorization for obtaining my credit report for auto loan financing. I also contacted XXXX and they told that they neither obtained my credit report nor applied for auto loan financing. Below are the unauthorized inquires. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I 've been in the hospital for the last month in and a half from being diagnosed with XXXX XXXX XXXX XXXX. Got out the hospital on XXXX/XXXX/XXXX and noticed I had a ton of mail. Within that mail, it was a lot of denial of credit letters, in which it was due to too many inquiries in the last year. Reviewed my XXXX XXXX and noticed that I had a total of XXXX inquiries. Out of those XXXX inquiries, XXXX are valid. Please help me to get this removed. Also I have a credit freeze on my account and when I did pull it off the creditors pulled XXXX instead of TransUnion. These XXXX items I never applied for and the XXXX XXXX and XXXX was removed and reinserted. Even on my XXXX XXXX my credit is important to me. 
1.XXXX XXXX-XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XXXX 4.XXXX XXXX 5.XXXX 6XXXX XXXX XXXX 7.XXXX XXXX
I received on XX/XX/XXXX a repeat bill for a XXXX account that was opened fraudulently, in XXXX, not by me and they were notified to cease in XXXX ... and i notified the collection company to cease and desist, prior to this letter ... about a year ago, I filed a dispute on my credit file and it was removed by Original creditor XXXX, as well as another Collection company.
After pulling a copy of my credit report I noticed that XXXX XXXX is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to XXXX XXXX informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from XXXX XXXX claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from XXXX XXXX that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.
I requested a credit investigation from Equifax in lateXX/XX/XXXX. Its nearly the end ofXX/XX/XXXX now, and I haven't gotten a response yet. They were supposed to respond by the end of XX/XX/XXXX.
I have previous sent a complaint regarding ECMCXXXX XXXX and now including XXXX XXXX XXXX XXXX contact at XXXX. I filed originally with CFPB last fall because XXXX XXXX XXXX illegally sent my loans to collections while I was XXXX stating " They had sent me notice that my economic hardship had been denied. '' I asked to which address they sent that information ( Knowing very well I was homeless and had no address ) they said they could n't give me this information. So ECMC is still continuing to contact me. I had told them to stop contacting me previously while i was contesting the loan being sent to collections. They have not stopped calling they call daily. XXXX XXXX XXXX called me at my work on behalf of XXXX. I HAVE NEVER OFFERED OR GIVEN THIS NUMER TO ANYONE NOR HAVE I EVER GRANTED PERMISSION TO CONTACT ME AT THIS NUMBER!!! I can not believe this is happening! I have {$55000.00} in student loans in good standing and XXXX XXXX and their blood hounds are harassing me for {$2000.00}. I should have been included in the class action law suite against XXXX XXXX and XXXX that happened at the beginning of the year. Reading the description of what happened in the suite I qualify to have my loans removed.
The loan opened on XX/XX/XXXX, for the term of 254 months, at the interest rate of 8.23 %. The note amount is for {$570.00}. We have continued to pay our for loan. Earlier in XX/XX/XXXX and XX/XX/XXXX we were able to payoff the loan, but they talked my husband into keeping the loan to help his credit. So we decided to just make larger payments ex. {$1000.00} for our monthly payments for a while to bring down the principle. We got behind in XX/XX/XXXX due to trying to get someones attention, about the payments somehow were all going to interest and nothing to principle. Yes it had been months before we noticed, but I had to contact them and the response was " you are not on the loan so we can not discuss this with you ''. So my husband faxed over a letter to allow me to discuss the loan matter. They looked into the matter and finally came to some resolution to add the interest back to the account and gave us a deferment and said it would just be added to the end of our loan. Since then they still will not discuss the loan with me. We have tried and no return calls. So we have kept paying our loan in order to keep our home. 
My husband in the past couple of months went to what we were told at one time the main location in XXXX, Ohio. When he got there they were closing the location and had moved all information to another location. I tried to pay our loan on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XX/XX/XXXX, I thought they may have been doing some update on their web page. So I continued to call every number I could find online. It was only after a couple of hours before I reached a real person. The lady in AZ explained to me that all she could tell me was all accounts had been sold to other mortgage companies, and Citi financial was no more. So now we have paid 45 notes over our 254 months loan. There is a balance is still showing on our account. I am asking for your help in this matter, Please!
On XX/XX/XXXX I filed a complaint against XXXX XXXX with the Better Business Bureau because I have no contractual agreement with them. XXXX XXXX did not provide me with the necessary documentation that I had a contractual agreement with them. XXXX XXXX only responds to this matter is that I need to fill out a consumer request form. I told XXXX XXXX I will not be tricked into signing anything with them because I do not have a contract with them. XXXX XXXX failed to validate a debt with this consumer and is causing defamation to this consumer credit report and name and would like the CFPB to have XXXX XXXX to remove alleged debt from this consumers report. The alleged debt that XXXX XXXX is saying that this consumer owe is {$6500.00} the dated open XX/XX/XXXX.
I received my EXPERIAN & XXXX credit report and discovered that XXXX XXXX Delaware, hadhad unlawfully without my written authorization fraudulently viewed my creditreport on XXXX/XXXX/2015 in violation of FCRA. I did not authorize any employee of this comp. 
to review my report. This conduct is in violation of my privacy Act.
I received bills XX/XX/XXXX from Pay Pal Credit, I called and told them I do not have a credit with your company and they said they would send me paperwork to refute this billing/acct.so as not to have a collection on my credit record I paid the {$870.00} with assurance from Pay Pal that it would be refunded when all the mess was straightened out and the acct was closed and no further cash advances could be done and I waited for the paperwork from them. Then on XXXX XXXX I received a bill from a collection agency for another {$600.00} owed to Pay Pal credit. I once again called Pay Pal and they said sorry and they would send the paperwork. I paid the {$600.00} on XX/XX/XXXX. Pay Pal has not looked into this fraud and done nothing to resolve this issue except to send it to collection. I want my money back and Pay pal to find out who used my info to open this acct.
I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, I do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleaSe delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX FL XXXX XXXX OH XXXX XXXX XXXX CT XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX
On XXXX XXXX, 2014, my husband and I signed a residential contract of sale form to purchase a house. Wells Fargo was the name of the bank we used to finance the loan. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested my husband and I to have this house inspected by a company which they must approve that is contracted and authorized to supervise and sign off on rehab work. My husband and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 

After the inspection was done and I found that the roof repair estimation was incorrect because it was for a XXXX roof instead of a XXXX roof. I had paid a XXXX {$250.00} to inspect the XXXX roof and give me the cost to either repair or replaced the roof. When the contractor emailed me the estimation, I had forward the email to my loan officer at Wells Fargo. He told me that he suggest that my husband and I let the house go and he did not communicate with me any more. I have called him numerous times and emailed him as well to let him know that my husband and I still want to move forward in purchasing the home ; we told our agent as well but the loan officer never called me or replied to any of my emails. My husband and I was willing to pay for the roof repair in order that we may stay within the loan approval amount. The loan officer which was handling our loan paper work never took our desire into consideration and as a result we lost out on purchasing the home and lost our {$800.00} for the mandatory inspection as well as the {$250.00} XXXX roof inspection.
Navient promise to fix my last payment over 6 months ago. I asked over and over again for this company send me the documents re : posted late payments. Navient promise to fix the mistaken last payment posted on my credit report. They never send me anything concerning this matter. My credit reporting has drop due to these unverified last payments. Now that the payment are paid and closed it should not still reporting negatively on my credit report due to the Fair Credit Reporting Act.