WillisBack/dataset-financial-user-claim huggingface dataset:
This XXXX i receieved XXXX phone calls from seperate numbers [ ( XXXX ) XXXX, ( XXXX ) XXXX ) ] and seperate people claiming to represent a company called Legal Recovery Solutions. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " XXXX XXXX ' XXXX '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from XXXX XXXX XXXX had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.
This is the last info on the J P Morgan- credit card that Fema and Home Land Security gave me. The auto recording that J P Morgan had on said that I owed them XXXX I only had XXXX so I gave the JP Morgan Bank- back in XX/XX/2018- thinking that these apartments that I stayed in had not been paid, I did talk to the apartments in XXXX Fl- they use XXXX and they informed me that they were paid in full, then the auto machine came up with a XXXX credit for me, I said I do not need a credit, and the staff member said that they would send me the XXXX. It never came JP Morgan sent XXXX instead and my bank took back the XXXX that was in the credit file for me for nothing, so that is {$4700.00} and I am closing this case now, and JP Morgan has XXXX in my credit file, and I hope they send me that also. 

Thank you CFPB for all your help
On XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding tha t a 7  yr clock starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.
On XX/XX/18 at XXXX XXXX, I received a voicemail call stating the following ; Good morning this is XXXX XXXX from the compliance and processing division with asset (? ) XXXX. We are trying to locate and notify my ( first middle last name ) in reference to fraudulent activity that has taken place being associated with your social security number ending in XXXX. Associates in the legal department here has received the legal authorization to process this case against Ms. ( last name ). Case number XXXX into XXXX County District Courts. Ms ( last name ) once this case is charged, all legal rights will be forfeited. Service and process will be completed at a verified home address and/or place of employment and you will be due to appear for the matter. If you would like to have this case dismissed, you will need to contact the legal department immediately at XXXX ext XXXX. ( first middle last name ) you have officially been notified good luck to you. 

She also called a a third party ( friend of mine ) without my consent, stating the same. Using yet another phone number different from the ones they called me from. Im unsure how they even have her contact info. Afraid that this has happened she called me in a panic to ensure I was aware. I had my attorney contact them moments afterwards. He learned its actually a debt collector regarding a debt of mine. He asked that they not call back and would consult with me regarding it. On Friday XXXX called me again from yet another phone number different than the first and was very rude and obscene. When I asked did they speak with my attorney she became much louder and obscene with me. I asked that they contact him as Im sure he advised if they had anything to provide for me. She got louder, I asked if she was familiar with how the FDCPA worked, she said yes, and I informed she should know that the lies they left on my voicemail and my friends, are wrong and against the policy. Not once did she state they were a debt collector, but there was fraudulent activity on my credit according to the last four digits and my entire government name, and that they were not to contact me again. I then hung up. Two more times after that I received phone calls from another Michigan number that I did not answer.
XXXX Regarding above complaint ; after months of fighting, Wells Fargo forgave the debt and XXXX out my account and closed it. Months later, I started receiving collections calls for more than {$1400.00}. 
I have been what seems as duped into believing that this company had rectified this error on their part and instead just moved the debt to another are of the company to try and retrieve. 
Please tell me how I may fix this once and for all and move on from this nightmare. 
Supporting document will be uploaded asap.
Enhanced recovery placed a new collection account on my credit report. The original account was settled thrust XXXX on XXXX. XXXX telephone number is XXXX address XXXX XXXX XXXX XXXX Nebraska XXXX. Per my credit report the file states closed and paid with a, XXXX balance
On XX/XX/2018, I moved out of The XXXX XXXX  in XXXX, WA. Apartments are attempting to keep my deposit and charge additional fees. I have photographic documentation the apartment we cleaned, along with a receipt for carpet cleaning-which the claim was dirty. They turned over the account to IQ Data International in XXXX WA. I advised IQ Data in writing and on recorded call that in fact, XXXX owes me approximately $ XXXX-my {$250.00} deposit less last billing of utilities. I advised IQ Data that I have filed a claim in small claims court in XXXX XXXX Washington. I received notice via XXXX XXXX on XX/XX/2018 of a new, derogatory entry on my credit record by IQ Data International. It did affect my score.
A gentleman representing Apex Resolution Group named XXXX i believe first contacted my wife stating that I owed XXXX, and that if we did not pay XXXX of it right now, they were going to freeze our bank accounts that night, and put leans on both our vehicles ( which i own XXXX of the vehicles ) He sent a letter to my wife via e-mail stating that they offered us an opportunity to pay for this debt. We never received any type of letter from this group. I called the number back and talked to this gentlemen stating that this was a scam, and we are not paying any type of debt unless he could provide a debt validation. This man has left messages for my mother, my mother in law, and my wife ; all the while not contacting me directly while having my phone number. The next day he had left messages again for my mother, mother in law, and my wife trying to find out where i work. I called back again and was not happy with him, i was very beligerant with him, and he had stated " How do you like getting calls at XXXX on Sunday morning? '' then he then started listing family members all around in XXXX Kentucky stating he was going to call them all. This has started XXXX XXXX 2016, and has escalated fast because i am filing complaints with CFPB and XXXX, and am going to file a police report today. If they can show debt validation or even send me this information in the mail i would be happy to oblige.
RE : CitiBank Best Buy credit card acct # XXXX I am formally claiming fraud on the above mentioned Visa credit card. CitiBank would be reporting an inaccurate balance and status to the following Credit Bureaus ; XXXX, XXXX and XXXX. As a result, I could be in immediate danger of harm and serious financial damages. 

ISSUES : *I have been pre-approved for a large mortgage around {$600000.00}, the closing is Monday XX/XX/XXXX. Therefore I am requesting CitiBank take the appropriate actions and make sure this account is NOT reported inaccurately. 
Specifically the balance of this account is far less than what is currently being reported 1. I am claiming the correct balance is less than {$2000.00} at approx. {$1900.00}. 
2. I am claiming any and all charges or transaction in XX/XX/XXXX and XX/XX/XXXX are unauthorized. 
3. I am requesting a copy of all transactions for XX/XX/XXXX through XX/XX/XXXX, so I can view them and provide more information. 
4. A list of how each charge was transacted. In other words, by phone, online or in person The Last time ( date ) a card for the above mentioned account was mailed and to what address. 
5. If a card was mailed to me in XXXX, when was it mailed? 
6. If a card was mailed to me in XX/XX/XXXXdid it require activation? 
7. If a card was mailed to me in XX/XX/XXXXand required activation, how was the card activated? 8. If online by what IP address? if by phone, what was the phone number used? 
9. I was out of the state of Michigan from XX/XX/XXXX through XX/XX/XXXX I am confident the investigation will confirm my claim. 

To help speed up the process and avoid any delays, I have attached an affidavit of fraud that is specific and contains all I know concerning the above mentioned account. 
I have also filed similar disputes with XXXX, XXXX and XXXX to preserve my right to file a civil complaint for damages against CitiBank in the event a inaccurate information is reported to the credit bureaus and I suffer damages as a result. 
I am hoping CitiBank will take this seriously as it is a serious matter. I am further requesting all correspondence be done in writing to assure all sides have the same factual history and information. This will also provide fair and equal access to facts. 
*NOTE : i will only accept communications via email, USPS , XXXX, XXXX or through any secure platform CitiBank would like. 

* All Attachments are also being Certified mailed to Citibank to provide Citibank with the original documents
Quality Asset Recovery, LL sent me a collections letter on XX/XX/XXXX stating that I owed their company {$3000.00} for their XXXX XXXX XXXX. It is apparently an old lease agreement from XX/XX/XXXX. The entire management staff no longer works at the apartments and the apartment complex had no knowledge of this debt. I requested documentation concerning the debt because to my knowledge I did not owe this company any money. I received copy of the old lease with revised financial account statement. On the statement dates, payment amounts, charges, and reasons are clearly fraudulently altered. I have requested that this debt be removed from my credit report but collections activity has continued to occur. I was also informed that this account was purchased by this debt collector, it is not valid and I wanted to report the illegal activity of this company, and I would also like for this debt to be removed from My credit because I do not owe this company any money. Thank you ~XXXX  XXXX~
We were wrongfully Evicted on   XXXX   XXXX   XXXX    .  Kondaur refuse d to wait until our hearing scheduled  X/XX/17   .  Quash Writ of Possession.  This was unlawful and intentional sabotage.
I wrote a check to an individual, XXXX XXXX, Check # XXXX, in the amount of {$1600.00} on XX/XX/XXXX. The individual deposited the check the same day at Huntington Bank, routing # XXXX. On Saturday, XX/XX/XXXX Huntington Bank, XXXX, WV, notified the individual the check had the stale date of XX/XX/XXXX and would be held and not deposited. Since it was deposited in the ATM the check was scanned and sent to their Corporate Offices. The check was not going to be honored because of the incorrect year. I withdrew {$1600.00} cash from my checking account to give the individual in lieu of the check. However, on XX/XX/XXXX the check amount of {$1600.00} was deducted from my checking account, which is at XXXX XXXX. Since then, Huntington Bank Fraud Department has been holding the funds. They want XXXX to request the funds to be sent back. However, XXXX states they can not recall or cancel the check since the funds have been sent to Huntington Bank. I spoke to the Huntington Bank Branch Manager, XXXX, who stated I had to get XXXX to get the funds returned. I called XXXXXXXX XXXX, who transferred me to their Claims Department. The Claims Department stated they could not handle the issue since there isn't a claim. The Claims Department stated I would have to get the local branch to handle the issue. I called the 800 number for XXXX. I was instructed to go in person to the XXXX local branch and request a recall for the check. If the local branch didn't know what to do I was to tell them to call Branch Support to complete the Recall. XXXX at the local branch called Branch Support and completed the form on line while I was there on XX/XX/XXXX. I waited one week and on XX/XX/XXXX called the local branch. XXXX was on vacation so I was connected with the branch manager. The branch manager stated he would have to make some calls to check the status. He called me back the same day and stated the recall was denied and if Huntington Bank suspected Fraud they should have sent the funds back to the origin, which was my checking account. I called Huntington Bank back today, XX/XX/XXXX and spoke to XXXX. The branch manager, XXXX, was on a conference call. I gave XXXX the information regarding the {$1600.00} transaction and hold so XXXX could make inquiries. XXXX stated XXXX would call me back today. I did not hear back from XXXX on XX/XX/XXXX. The {$1600.00} has been in the hands of Huntington Bank for over 3 weeks now and they refuse to return the funds while XXXXXXXX XXXX states there is nothing they can do. I could certainly use some help as I am getting nowhere with either of these banks and I don't know who is wrong. I made the mistake with the year on the check but this is ridiculous to take this long to return the funds. {$1600.00} is not a lot to a bank but I'm now in a pinch for paying bills and will incur late fees if I don't get my money back soon. Thank you in advance for your help in resolving this matter.
In XX/XX/XXXX I received notification of 4 collection accounts placed on my Credit report by XXXX XXXX XXXX, which lowered my score 44 points! Having never heard of these people I disputed the debts. The date reported to CRA as acct open date was XX/XX/XXXX. The debts appeared to be from XX/XX/XXXX hospitalization, which insurance covered to my knowledge. I disputed debts thru CRA and all were removed in XX/XX/XXXX. In XX/XX/XXXX I again had a major score drop and upon checking Commonwealth had again placed these collections on my report plus added another one. The date reported as opened now says XX/XX/XXXX. I again disputed but this time CRA verified. I am curious as to how this previously removed debt with an added amount can be verified. Date changing is not allowed by law. Commonwealth has made no effort to provide me any documentation verifying this debt or original date incurred to OC. In doing research I have discovered it is unlikely an OC " assigned '' the debt to Commonwealth as they are junk debt buyers with numerous complaints against them for violations of FCRA and FDCPA. Can you help with getting them to comply with laws?
I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a Chase Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.
I am writing in regards to a collection account IN AMOUNT of { {$600.00} } that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately.
On XXXX XXXX, 2016 & XXXX XXXX, 2016,, Defendants attempted to collect a debt and created an unauthorized trade line on Plaintiff 's credit report using 'Last Reported : XXXX XXXX, 2016 ' on Plaintiff 's credit report. Defendants willfully violated the FCRA by performing an unauthorized trade line on Plaintiff 's credit report. 

On XXXX XXXX, 2016 & XXXX XXXX, 2016, Defendants attempted to collect a debt and performed an Impermissible 'hard pull ' on Defendants credit report without a firm credit offer.
I would like to clarify the federal government disclosure that reads At the bottom of page XXXX it states " XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both, to unknowingly make any false statements concerning any of the above FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. 

" XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both to KNOWINGLY MAKE ANY FALSE STATEMENTS CONCERNING ANY OF THE ABOVE FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. the box indicates that I signed the XXXX XXXX FHA Application number XXXX. The lender, underwriter and any other Wells Fargo XXXX went above and beyond to KNOWINGLY make FALSE STATEMENTS in each and every page of the Fannie Mae application. Once again, I will ask where 's my {$35000.00}? XXXX XXXX explanation contradicts what is clearly indicated on the Fannie Mae application. The appliaction states that there was {$.00} for the amount of mortgages and {$.00} for the total XXXX XXXX balances. I have never in my life come across such an egregious violation of Mortgage XXXX and XXXX XXXX in my entire 68 years on this earth.
Calling my parents house for a loan I dont any money to. Who like for the unwanted calls to stop if theres nothing I owe.
I recently obtained my credit report and noticed several Hard Inquires to companies that I did not authorize. I initially reached out to XXXX and Experien to notify them of the unauthorized access to my personal credit report but was met with little to no assistance. Both CRA kept insisting that I claim that I was a victim of fraud in order to transfer me to the Fraud department. After several attempts, I succumbed to the pressure and had them put a fraud alert on my credit file, which still did not resolve my issue. 

I was advised that Hard inquires can not be disputed through the CRA but through the individual collectors themselves. I then contacted the creditors via phone and certified letter only to be told that they did not have any accounts open and my name, therefore could not provide me a written letter to send to the CRA for deletion. I 'm hoping by filing a complaint here, I would be able to rectify this situation and have those unauthorized inquires removed from my credit file.
XXXX XXXX 2015 : Mortgage loan was issued by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) XXXX XXXX 2015 : XXXX sent me a Notification of Assignment, Sale or Transfer of Your Mortgage Loan, saying the servicer of your mortgage loan is CMC funding INC ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FI XXXX ). Transfer effective XXXX/XXXX/2015. 

XXXX XXXX 2015 : XXXX, the XXXX bank sent a letter stating that the XXXX XXXX, 2015 payment should be made to XXXX and XXXX XXXX, 2015 payment to CMC. 

XXXX XXXX 2015 : received XXXX letters from CMC ( conveniently backdated XX/XX/XXXX and XX/XX/XXXX ), the XXXX bank stating that the XXXX XXXX 2015 payment should be made to CMC. This was my first letter from CMC, received 3 days before the alleged due date. 

I called CMC, spoke with XXXX, agent number XXXX, who said the issue will have to be sent to a research specialist, expected return call time XXXX XXXX. I was told I could rely on the " grace period '' under RESPA in the meantime, while they determined where the payment should be made. This is not a satisfactory answer because the CMC bill threatens a late fee of {$52.00}.
XXXX XXXX failed to pay my homeowners insurance which was due XX/XX/2018. On that same date they sent a letter threatening to buy more  expensive insurance for me if I couldnt immediately provide evidence of insurance. 
I confirmed that the money for the payment was withdrawn from escrow by looking at my mortgage payment history on-line. I confirmed with the insurance company that they had not received payment. I paid for the insurance myself and provided evidence of insurance to Cardinal. The evidence of insurance was confirmed to be adequate for Cardinals purposes by a Cardinal customer support representative.
I have contacted the credit agencies with regards to several accounts that is reporting on my credit file that do not belong to me. These accounts are reporting as a result of identity theft. The following accounts below are reporting on the following credit agencies report.XXXX XXXX - XXXXXXXX XXXX XXXX - Experian and XXXXUnknown account - XXXX on XXXX