WillisBack/dataset-financial-user-claim huggingface dataset:
I have been trying to get Ncc business services to update my credit report since XX/XX/XXXX. I paid this account balance in full after jumping through hula-hoops and placed on hold several times with several different people due to their poor phone system if thats what you want to call it. I received my paid in full letter after a rep " lost " my front and back copy of the check i sent. I was happy. i have waited and waited and even talked to a XXXX supervisor who told me they were reporting the account as closed even though i see it has not! I have waited a month and this account is not showing as closed or paid. I am getting nowhere with this company! I have no clue how they are in business. Its so frustrating trying to do the right thing and the people who are supposed to be helping you dont even know what they are doing. I have called multiple times to get this corrected and each month it doesnt happen.
On XXXX/XXXX/XXXX, I made a purchase totaling {$85.00} on my JC Penny Credit CardAlmost a year later, in XXXX of XXXX, I received a notice from XXXX XXXX XXXX for {$230.00}. Not knowing what it was for, I contacted them and upon my inquiry realized it was for the purchase of the {$85.00} made the year before plus all of the collection/late fees. We had moved and the billing address was not updated to reflect the new address which I accepted responsibility for. I immediately contacted JC Penny and they had record of return mail and accepted and filed a dispute on my behalf. For the time period of XXXX XXXX XXXX I never received any information about my dispute, and the collection calls kept coming. In XXXX of this year, to finalize this, we negotiated the {$230.00} balance and settled with XXXX for {$120.00} which was paid. Two weeks after settlement and almost 7 months after filing the dispute, I received notice from JC Penny they were finding in my favor for the dispute and that they placed my account back in good standing. I then received a statement from JC Penny for {$110.00}, which is basically the {$230.00} less the settled amount of XXXX that was paid. Essentially all of the late fees. I contacted them to advise the account was previously settled and as part of that settlement the acct should be zero, but I get nowhere. I have attempted to speak with agents and supervisors on a few occasions, ( XXXX XXXX and again XXXX XXXX ) but no one seems competent enough to assist with this so I am seeking help to resolve this once and for all. I am now getting {$25.00} late fees assessed on the {$110.00} balance when there should n't be a balance. 
Thank you for attention to this matter and am willing to cooperate to get this settled quickly.
XXXX and Comenity Capital Bank XXXX XXXX XXXX OH XXXX XXXX for account number ending in XXXX has harassed me since XXXX by charging me a late fee of {$37.00} for a balance that was paid in XXXX 2016 in full. I have called and asked this to be corrected and they have refused. They continously report this to the credit bureaus monthly driving my score down over XXXX points since XXXX 2016 EVERY MONTH. 

I reported this to you in XXXX and still not resolve? When can I expect some help from you with an issue that is clearly out of control and unfair? They now have a balance of {$130.00} built strickly from late fees and interest that they are reporting which is incorrect and should be XXXX as this bill is paid. 

The original credit limit was only {$250.00}. I made orders and paid them faithly on time each month. Only when I paid the balance off did they start the antics to continously collect funds an keep me in debt. 

Please advise.
I recently submitted a claim for damage to rental vehicle through XXXX. On the way to return the vehicle, the vehicle was struck by another driver. Which cause substancial damage that increase the over total. I explained to the XXXX that there was a claim available and I do have representation. However, they have used tactics to damage my character for employment through partner companies. This ultimately damaged my ability to work and find closure. Nevertheless, XXXX knows about my mention of claim. I also stated to them that I will provide information for such filing. Secondly, XXXX says that I owe {$1000.00}. Finally, XXXX has not given me a fair shake after putiting me on the conversion list.
NorthStar Location Services , LLC has been contacting me nonstop. It 's for a debt they claim I owe from a credit card company. They did not validate the debt, they have called me when I sent a letter to tell them to stop, and they said that legal action will be involved. This is ridiculous. They are using illegal practices on me and it is unfair and unethical. This debt collection company has gone out of bounds and NEEDS TO BE INVESTIGATED ASAP! They ca n't prove I owe the debt, they ignored my letter that told them to not contact, email, mail, call, text me at anytime. All they can say is " we have no record of that ''. You do n't keep records because you are a unethical company. CFPB needs to investigate this company for debt collection practices. 

I have no money or assets for you to take from me. I do n't believe i owe this debt and I am tired of being harassed.
In XX/XX/2016 I left a job in XXXX XXXX. I went to my bank ( XXXX an affiliate of HSBC ) and withdrew {$17000.00} as a demand draft ( see attachment ) in preparation for leaving. The demand draft was drawn on XXXX XXXX, XXXX. Upon arrival in the XXXX I deposited the demand draft. It was returned without explanation by my XXXX XXXX ( XXXX ) and stamped " refer to maker ''. They issued me a check in lieu of the original ( see attachment ), which I then attempted to deposit at XXXX XXXX XXXX. The teller accepted the check and said it would not be a problem. When the money did not appear in my account after several weeks I called and was told that the check was returned and since they destroyed the original I would have to contact the original bank for another one. 

Since I was no longer in XXXX XXXX, I hired an attorney in XXXX XXXX, and they went to the branch with copies of all the attached documents as well as a POA. They were told that my demand draft was in fact returned, and the money deposited into my account. However since it had gone dormant, the money was transferred to the XXXX affiliate of XXXX, XXXX XXXX XXXX. 

I called the HSBC help lines and since I don't have an active account the customer service reps can not help me. I have searched various states ' abandoned property listing and come up empty. I get no response when I email the HSBC addresses on their website.
Received letter, dated XX/XX/XXXX, from American Express Legal stating that I owed {$10000.00}, per agreement signed XX/XX/XXXX. I have repeatedly tried to get in contact with their attorney and they say there is a stipulation from XX/XX/XXXX, stating that I would pay {$500.00} a month. I never received this stipulation and never received correspondence from the attorney. I have been making monthly payments on the American Express website and as of the date of the letter, the balance on the account was {$9000.00}. When I spoke to two different representatives at American Express Legal, they both went back and forth on the amount of money that I owed. They both tried to say I owed {$10000.00} at different points in the conversation. That's also the amount listed in the letter. I made a {$550.00} payment today in good faith to try to show that I am working to pay down my debt. The current amount due is {$8500.00}. My understanding is that American Express can not collect a debt larger than what I, as the consumer, owe.
I filed a complaint with your agency and the company, Experian, responded, but did not respond to the issue. After contacting XXXX and Experian to place Security Alerts and Security Freezes on the information they store on me, ( this request was made in response the the XXXX security breech ), Experian lowered my FICO score. There had been no change in my credit history other than my requests to the 2 credit bureaus. When I made my request to Experian, they responded that they would notify the other 2 credit bureaus. In my earlier complaint with your agency, Experian responded that they are unable to determine why my score would change because the algorithm they use is so complex. That is ridiculous. They could easily compare my credit data pre and post their change in the FICO score to determine identify any data that caused the FICO score change. My earlier complaint was not resolved and your agency closed it and indicated it was resolved. You closed it before even determining if it was addressed. You closed it in response to a canned response from the credit bureau. My earlier complaint is # XXXX. 
When I contacted your agency about my complaint by phone yesterday, I was told that 99 % of your cases are resolved. That means that the credit bureaus sent a response 99 % of the time. This does not mean that 99 % of the complaints filed with your agency were resolved.
Affidavits Attached XXXX XXXX-XXXX v. XXXX XXXX XXXX, the judge through that case ruled that the court can not just rely on computer generated documentation, instead the court has to do an investigation. Upon contacting XXXX XXXX, XXXX, and Transunion, and XXXX  in reference to an unverified bankruptcy reporting on my credit reports that they maintain under my social security, noting that XXXX XXXX had an inaccurate social security number reporting. 

Looking into my Transunion report, on it's website ( https : //www.transunion.com/XXXX ) it listed XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( `` XXXX '' ) as a provider of the bankruptcy information to TransUnion. FCRA Section 611 ( a ) ( 2 ) requires Transunion and XXXX XXXX to ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX and Transunion report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a  violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.
This is the second time that Navient, my private student loan company has double charged me for my loans ( XXXX XXXX, 2017. ) My loan is a total of XXXX and to be charged double that is unacceptable. When I call it takes 20 minutes to get me to the correct department and today when I called they told me their wait time was too long and I would have to call back. I currently have a negative amount in my bank account with no idea if this will be put back in my account before I incur overdraft fees. I called last week to ensure my payments were going to be correct and the agent ( on a recorded call ) ensured me I would not be double charged as I noticed I had two bills in my email. She brushed me off through the whole conversation and I am now removing my debit card from their system. Navient has no regard for their " customers '' and NEVER goes to the extra mile to help those in need who have good account status like myself.
On XXXX/XXXX/XXXX I got notice of a new hard inquiry on my credit report. I checked & it was from XXXX XXXX in XXXX. I called them to inquire & the young lady told me over the phone ( after verifying my social & name & address ) that it was regarding the personal loan I took out in XXXX XXXX. I have not applied for any loans nor have I stepped foot in this place since XX/XX/XXXX, when I had a auto loan with them. Since XX/XX/XXXX everything has been closed. So I began to ask question & asked to speak to the manager. The manager XXXX reputedly hung up on me when I asked questions & said speak to my lawyer but would not give me his lawyers info. Now every time I call they hang up on me when I identify myself.
I applied for the   XXXX   XXXX   XXXX   XXXX   XXXX   which offers credit to people with " bad credit ''. I was willing to pay their high fees to get a credit card where I would carry an unsecured balance as opposed to a secured card which I have already applied for and advanced money on with another company. I went through the entire application process only to be declined and offered another secured account where they told me to send them {$500.00}. It was absolutely misleading from the from the beginning. Their advertising says the card is appropriate for people with a credit score of between   XXXX   and  XXXX . Mine is  XXXX . Now that company has my personal information and did not come through with the credit they promised. upon completion of the application, I saw a page come up that said congratulations I received a credit line of {$500.00}. But then it suddenly went off the screen to another credit card offer. When I went to pull it back up they said I did n't qualify and that I would have to send them {$500.00}. Extreme false advertising. I would never have applied with them had they been honest. This company is committing fraud, perswading people to provide personal iformation such as email and phone with no intention of providing the credit they promise!
This is my XXXX submission. This is not an issue for the FTC. It is a violation of the FCRA Section 623 ( a ) ( 1 ) ( a ). I settled this debt with Rushmore for my XXXX card. I disputed it with the credit bureaus..they sent the dispute to XXXX XXXX and they simply applied the settlement to the balance and left a balance on my credit file. This is willful negligence of compliance with the Fair Credit Reporting Act. CFPB is an entity that enforces these violations.
" " '' I have disputed this collection on this XXXX  XXXX  & XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
After requesting and receiving the Credit report that I wanted, I discovered that I could not Log-Out of the webpage ( see attached screenshot ). After calling the credit reporting company 's listed phone number, the representative told me that I should just close the computer window. When I told her of my security concerns with only shutting down the browser window, the representative proceeded to describe that I ( as the consumer ) was the one responsible for clearing out my Personal Password from my browser. This is not acceptable!! 

Therefore, I contacted the CFPB with this particular complaint.
I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize any  one to u se my identity.
On XXXX/XXXX/XXXX I received an alert from TransUnion that a collection account had been added to my credit report by Central Credit Service of XXXX Florida in the amount of XXXX. On or about XXXX/XXXX/XXXX, I contact the agency to inquire about the entry and it was stated to me that communication regarding this account had been sent to an address that I had not resided in since XX/XX/XXXX. I had an initial conversation with one representative, who at that time recited to me my 'current ' address. At that time she stated that they had recently acquired my new address as of XXXX/XXXX/XXXX. I then stated that they had in fact violated my rights as I had not verified or validated that the account was mine. I then asked to speak to a supervisor. Continuing on with the discussion and speaking with XXXX XXXX, she then stated that no documentation was sent to my current address and that the communication was only sent to the previous address. I then iterated that their entry on my credit report violated my rights to verify and validate that the account was mine before reporting to the credit bureaus. I then requested to speak with her boss. I was directed to give XXXX XXXX XXXX a call to further discuss. My second communications with Central Credit involves my restating that this said debt had not been communicated verbally or in writing as my right per the FDCRA. They then restated that they had mailed communication to the previous address but had NOT sent written communication to my present address. The entry to my credit report was XXXX/XXXX/XXXX. I then requested to speak with the supervisor on duty and was connected to XXXX XXXX, who then preceeded to tell me that communication was sent AGAIN to the previous address but not the current. I then stated to XXXX XXXX that my rights as the consumer being charged as being responsible for this had NOT been communicated as per my rights and that they failed to verify and validate said debt before listing the account on my credit report. XXXX XXXX then stated that Central Credit Services will not confirm or deny that they failed to verify or validate the debt prior to listing the account with the credit reporting agencies. I was then direct again to give XXXX XXXX a call. I have not been able to reach XXXX XXXX and have left him a message regarding this unverified debt. To date, the day being XXXX/XXXX/XXXX XXXX am, I have YET to receive any written communication from Central Credit Service or a returned phone from XXXX XXXX XXXX. 

Per the FRCA and FDCPA, debts are to be verified and validated prior to being reported to the credit reporting agencies. I as the consumer have the right to validate, verify or dispute said debt, which as of today, I have not. I am still awaiting documentation that illustrate that I 'm responsible which Central Credit Services has not provided. YET, on XXXX/XXXX/XXXX they reported to the credit reporting agencies an unverified and invalidated account. I have not verified or disputed this account, as it is my right to do so provided by FCRA and the FDCPA.
I am complaining today against Citicards cause I had a fraud claim with them in reference to multiple charges done to the account. I was credited for the charges and also sent confirmation that some of the charges the credits were permanent. I then logged in to my account and noticed that i was rebilled for the fraud. I then contacted the investigator and she told me that she has denied the claim due to charges to XXXX XXXX the name the reservation was under was not my name and i did not allow anyone to charge these charges on my account. The representative was really rude and i requested for a supervisor to call me back and was unsuccessful in receiving any calls. I am attaching were they sent me mail stating the credits were permanent and then she told me that it was denied. I am not going to pay for charges that were fraudulent and this is illegal through the fair credit billing act.
I enrolled in schoo l ( UTI ) i n  XXXX  of  1986. B efore classes began I was called to the school financial aide office and was told there was an issue with my financial aide. I was then told that either I had to pay the tuition myself or drop all of my classes. I could not afford the tuition so I dropped all of my classes. I was told that when the situation was resolved they would call me back and I could reenroll in school. I was never contacted by the school again and never attended any classes there. I later found out that I had a student loan. I am protesting this and am asking that this student loan be vacated and erased.   I never used this loan and never received the money, and never attended classes.
On XX/XX/XXXX2017, Equifax made public that they had been hacked by an unknown 3rd party. On this same day, I used their website to find out that I may have been one of the 140 million people who may have had the their information stolen.
The incompetence of this company may now affect my personal credit for the rest of my life.
Several related complaints : 1. XXXX , XXXX purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for XXXX , XXXX. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
3. Mandarich Law Group somehow became the new debt collector, taking over for XXXX , XXXX. in the collection process. 
4. Mandarich Law Group began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XX/XX/XXXX I spoke to Mandarich Law Group and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked Mandarich to note my account with the following information : The payment for {$250.00} that was received on XX/XX/XXXX must have been from my XX/XX/XXXX paycheck. On XX/XX/XXXX and XX/XX/XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.