WillisBack/dataset-financial-user-claim huggingface dataset:
I have talked to this company more then XXXX time they and have told them that this is not my debt they are saying this is from a credit card that is from 1999, They have also claimed that it is on my credit report it is not. I have also submitted paper work to them saying this is not my bill and they keep dismissing it. now they have submitted XXXX different garnishment on my checking account. With this last call that I called in on the XXXX rep could not answer any questions that I asked her about the fair debt collection practice act and then all of a sudden she said I am going to get you a supervisor put me on mute and then came back with saying I hung up. then transferred me back into que the last rep claimed to be a supervisor but could not or would not give me any proof that he was a supervisor he gave his name as a XXXX XXXX. I asked both reps to answer questions about the fair debt collection practice act, Including the XXXX specific XXXX about a debt collector causing more debt in the attempt to collect on a debt in fact the XXXX XXXX went as far as to say that was wrong.
I re-financed my mortgage. There was over {$2600.00} in escrow. I have called Chemical Bank several times and they ca n't tell me when I am going to get my escrow money back. It has been over 30 days. When I called today they said " the girl has a stack on her desk and has n't been able to get to them ''. She is working on it. I asked for a date and they said they hope soon. This is unacceptable.
Wells Fargo reposessed our vehicle in XXXX. When I sent a complaint to them about violating the SCRA, they denied getting my husbands XXXX for the XXXX. They also denied repossessing the vehicle. They sent me the original loan information, which clearly states the original payment was {$510.00} at 16.95 % interest rate ( they bought our loan from another bank in XXXX ). After fighting with them to lower the interest rate because we bought the car before enlistment, they finally lowered the interest rate and the payment became {$420.00}. They are saying they had no idea of deployment when in fact they did because in order to lower the payment, I needed to fax them his orders. They are refusing to send statements stating the changes interest rate, even though the payment is drastically different than the original loan states. They also claim they did not repossess the vehicle. They charged off a {$13000.00} vehicle loan, and they are claiming that they did not also take it. My husband should have been protected from this. They are trying to obscure the facts and as a consumer, we ca n't get into the files. They can easily say that they did n't reposess it but the facts are we no longer had the car in our possession in early XXXX. If they are doing this to my husband, I am sure they are doing this to other soldiers who are unaware of what happened to them.
The credit bureau is not blocking the information within four days per FCRA 605B ( 15 U.S.C. 1681c-2 )
my mother is XXXX years of age and recently had a XXXX and XXXX XXXX. This company has continued to call and harass her concerning a debt. They have threatened to come to house and stated they with the Sheriffs Department and was coming to serve her for a debt. We have asked them numerous times to stop contacting her that her health is poor and she can not endure this type of stress any longer and has no income to pay this debt.
On XX/XX/XXXX, my husband I applied online citibank.com for a checking and savings account. on XX/XX/XXXX we received an email notice that we need need to provide additional documents. We provided all necessary documents on or before XX/XX/XXXX. on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I called to check on a status of debit cards to be mailed. I was told they were on the way. On XX/XX/XXXX, I went to a branch and was told that no cards were ordered. I then called again and was on hold for an hour. The agent reassured me that he would overnight the cards to me. Then later that evening my husband called on XX/XX/XXXX about his debit card and was told them same information. it is now XX/XX/XXXX and we do not have debit cards or access to the accounts. We are unable to get truthful answers to our issue from the representatives. I would like to lodge a formal complaint against citibank. The account is due to close on XX/XX/XXXX for lack of activity.
When I pulled my credit report in XX/XX/XXXX, I was first made aware of this debt with Carter-Young Inc., mailing address XXXX XXXX XXXX, XXXX, GA XXXX. I was never contacted by XXXX XXXX XXXX stating that I owed any money. I lived at XXXX XXXX XXXX  until XX/XX/XXXX and completed a satisfactory walk-through move out inspection with a property leasing agent ( XXXX, I believe was her name ) on the last day of my leasing agreement. I made all of my rent payments on time each month which was only {$500.00} and stayed through the end of my lease. The amount that Carter-Young Inc. is demanding is {$850.00}. I disputed this information with both XXXX XXXX XXXX and Carter-Young Inc. in XX/XX/XXXX however I was never provided with a detailed explanation of the charges. My XXXX Credit Report still states " Account in dispute-reported by subscriber ''. I would like for this company to cease reporting this inaccurate information to XXXX  unless they can verify that I owe XXXX XXXX XXXX  a debt including a detailed break-down of how the amount was achieved, ie. dates of missed payments, lease agreement, eviction notice, etc.
I have tried to resolve this issue. They claim I owe a debt from a student university account and I have never attended their institution. I have provided a police report to them as well as written notices yet this item is still on my credit report. They have been unable to produce documentation showing the debt is mine nor bearing my signature. I did not signup for nor receive any goods or services. They also have incorrect address information. They are negatively impacting my credit.
The loan servicing company Heartland ECSI is causing significant delays in the timely processing of my requests for Perkins loan deferment and/or cancellation. I have submitted the cancellation requests, along with the required documentation ; however ECSI keeps stating the documentation is not adequate. I have participating in this process for approximately 5 years now and have never had a problem with the documentation provided, nor have I ever had to submit this much documentation and additional paperwork for this until this servicer took over. 
I have provided everything that should be needed, yet this is still not resolved and ESCI is still requesting additional information.
i constantly asked diversified consultants to stop the reporting of the inaccurate information stating that i owe a balance, I am a victim of identity theft and they seem to not taking the proper procedures, but still reporting negative to all XXXX credit bureaus, i asked them in a certified letter for validation of the debt, but they continue to still is engaging in deceptive acts.
Midland Funding LLC keeps reviving a debt fr om 2007. It is harming my credit score.
Equifax is reporting accounts on my credit file as " unknown '' after I 've notified them a few times that they need to identify these accounts. Not only that, but they keep passing the accounts to other collection agencies. I get XXXX account removed because it ca n't be verified and then they sell the account to another company who then reports it as well. This is an uphill battle that I 'm losing. They have refused to provide the required company name, address and phone number for these " unknown medical '' accounts, so if they do n't even know who these companies are, how are they verifying them with the creditors???? 
UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX UNKNOWN XXXX
My son lives in XXXX.XXXX-he purchased a new car.I told him I would co-sign on a loan for a car, just let me know and so I can read and go over the loan application before I will co-sign on a loan.Time went by and he went to purchase a car ( we did not know he found a car yet ) The people told him he had 2 days to get a loan-he said I lived in XXXX, XXXX and had to look over loan-fearing he had no time to get me to look at loan, he took it home and signed my name to loan.The auto people new he signed my name and gave him loan anyway, Again I had no idea any of this was going on.I never received loan application-never spoke to auto dealership or chase bank at all about a loan-never new until my son callled and said he got the car.If I had seen it I would of never of signed a loan with a 7.85 % car loan.They told him it would be 4 %, but at the last moment changed it to 7.85 % .We have tried to get them to take me off loan-my son told chase verbally and in writing I did not sign for loan and they still will not take this off my credit report-which chase put me on all XXXX credit reporting agencies with a XXXX loan.my credit score has dropped.
I was interested in applying for the Chase XXXX rewards credit card. I saw in the website that there was a {$95.00} dollar annual fee. Before I applied for the Credit card i reached out to Chase via @ CHASESUPPORT on XXXX  my handle is XXXX XXXXl and asked if the annual fee would be charged upfront when applying for the credit card. They stated that annual fees are charged on the anniversary date. I now noticed the fee was charged upfront and reached out to Chase again. They have stated that they did not make a mistake even though their is a clear communication record indicating they indeed made a mistake.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX
I have an account with XXXX XXXX XXXX for XXXX. The account has been closed since 2012 and is now showing open on my credit report. This information is inaccurate on my equifax report. This has affected my credit report with the wrong information. The account was opened 7 years ago and should 've been removed. I 've disputed this and now it 's showing all this different information on my credit report.
My prior complaint number is XXXX. On XXXX XXXX, XXXX I sent a letter to Citibank requesting information about my student loan - I have not received a response. Today, XXXX XXXX, XXXX I am sending a 2nd request.
On XXXX Seller could no longer pay the mortgage on our previous house which was his home.. The owner 's wife had another XXXX and they had a loss of income and XXXX XXXX XXXX triple the payment on the mortgage. So the seller 's started a short sale process. They received and offer of XXXX and the balance was XXXX and a HELOC of XXXX. So with a loss of income. After many months of XXXX requesting documents repeatedly they received an approval for XXXX. After the home inspection was done the property was found to have around XXXX of section termite and repair work to be done. The first buyers walked. 

So it was put it back on the market. and received another cash offer. Again the amount of work caused these buyer to withdraw their offer. 

So this time we received another cash offer for XXXX on XXXX/XXXX/XXXX and the loan was sold to Shellpoint Mortgage Servicing and again they are stalling with this offer and Single Point of Contact is not returning calls with in the 24-48 hour guidelines and XXXX XXXX his supervisor has not returned the call. 

So the short sale is at an empass where comps of sold and active along with the new settlement statement to was provide Shellpoint XXXX instead of XXXX since the buyer is doing all the section 1 termite work.rather than a credit for the work. 

The house was brokern into last week which Shellpoint was informed and a requestto please approve the short sale. They are again stalling..
American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.
I get daily calls from CBE Group trying to collect a XXXX debt. They have a wrong first name for me and the last XXXX digits of my social security number are wrong. I do n't have comcast and never did. When I called them I acted like they had the correct information about me. But when I said I never had comcast, the man said my identity was stolen. I finally told him he had the wrong name and number for me and he hung up. Their phone number for CBE Group is XXXX XXXX XXXX.
Negative item reappeared Im a little confused.  XXXX  months ago, I disputed the following previously deleted account as being inaccurate, and Equifax deleted it because the furnisher agreed with me.         But today, I went online and checked my credit and noticed that Equifax put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least  XXXX  days after placing this item back on my credit report. So why was I not notified? Because of your actions, I was denied credit. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine.     Please delete this previously deleted account within   XXXX   days of this letter.
I do not owe this debt. Account was closed and paid in full. Allied collection said they would notify XXXX and update their notes. They call me several times a day and disregard what they say they are going to do.
I submitted a complaint multiple times to the credit bureaus regarding my paid student loan with XXXX XXXX XXXX. The loan was opened in XXXX and paid off in full in the spring of XXXX. There is a " failed to pay '' negative on my accts history from XX/XX/XXXX with Experian. Again this loan was paid in full last year. Initially the error on the acct that I made my first complaint was concerning a balance that they falsely reported in XXXX. That was reported to XXXX. They deleted the acct entirely due to my dispute and the XXXX XXXX XXXX   not getting it right. Then a month later I have the same issue, but now with Experian. Once again, I disputed it. The result of that dispute was Experian corrected the reporting of having a balance but change one mistake to another in now having this negative entry of a missed payment. So ... .again I dispute and make a complaint with you guys. To no avail as you seee because I am once again making another complaint for the same acct. I am really fed up with all of the problems with this particular acct and its mistakes. It has already cost me to loss one house that I was trying to close on but I couldn't secure the loan due to these errors. This is my second attempt at making a complaint with The Consumer Financial Protection Bureau and I really don't know where to turn next aside from contacting a lawyer. The failure of the XXXX XXXX XXXX XXXX to correctly report on my loan is drastically effecting my life and the mental anguish behind having to run behind this to correct it is becoming like a second job in which I really don't have time for.
I have contacted XXXX provided a police report when my purse was stolen and I became a victim of identity theft since XXXX. I have contacted these collection agencies asking them to verify and validate the debt and I have received nothing but a violation of HIPPA from 1 out of 27 collection agencies. I have fought this battle of trying to remove the fraudlent activity since XX/XX/XXXX. XXXX  will not remove these inaccuracies at all they are fraudulent and are not my any means consented by me. XXXX  sent me a credit report informing me to call the collection agencies which I have only to be hung up. These collection agencies threatened me with jail and liens and even harassed my job. Im in desperate need to get this fixed I cant even get equipment for my daughter who is XXXX because someone has ruined my credit. I have done everything XXXX has asked of me only to receive no results. I have even paid for extra privacy and alerts through XXXX to still have no results but a waste of time and money. 
Collections : XXXX XXXX-1 item Dba XXXX XXXX-1 item XXXX XXXX-1 item XXXX XXXX-25 items XXXX items XXXX- 1 item Addresses : XXXX XXXX XXXX   XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX # A XXXX fl XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX  XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I hAve tried to even these addresses to try to see if maybe I could figure out who stole my identity and most of them dont even exist I have never lived here. 

Inquires- XXXX/XXXX of XXXX XXXX XXXX XXXX/XXXX of XXXX Please remove Im not currently car shopping and wont be for another 3 years these are not authorized by me. I talked to XXXX and of course they told me to call the company that made the inquiry and of course I visited the business and they couldnt tell me anything but it was made over the phone and I would need to contact XXXX for it to be removed. I did contact XXXX once more and for some odd reason when I ask to speak to a manager The line gets disconnected. 
I have sent numerous letters and phone calls to these companies and XXXX I have paid for extra fraud protection and added a fraud alert to still end up with no result.
Since XXXX/XXXX/2015 I am receiving calls as follows. Seems their ROBO caller is calling XXXXtime then XXXX times then XXXX time and now its has started every hour. They have called my Employer and said that they had papers to be delivered to me and that the server was outside my office. I called them and told them that if they called my employer or my office again I would file a complant. Now it is getting worse. I work for a XXXX. I do not have time for this XXXX. The account is already passed the Statute of Limitations.
I was a victim of identify theft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this mess. XXXX, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel, 3 separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my XXXX report. XXXX is being reported two times and with a balance of XXXX
United Collection Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My name is XXXX XXXX. This complaint is for GAP VISA/SYNCHRONY BANK credit card For my XXXX statement balance of {$1800.00} I made the payment twice and ended up being a credit balance of {$1800.00}. I called them to refund the money and they stated they mailed me the cheque on XX/XX/XXXX at my address however after waiting for more than 3 weeks I did not receive the cheque in mail ... I called them multiple times to reissue the money with expedite shipping and give me some tracking number so then I can track and make sure they are issuing the refund ... t. but they denied my request. They are saying that they have reissued the cheque with regular mail on XXXX but I still did not receive the cheque and there is nothing they can do.
Re : CFPB CASE NO. XXXX After receiving citibank 's response I contacted them ( after very long hold times and numerous calls and online attempts ) and requested they close both my checking and savings accounts and send me the proceeds. They were not cooperative and still have not returned all of my money. I have records of appx. 12 conversations regarding this matter, including conversations and messages left for Mr. XXXX XXXX ( referenced in citibank 's response letter ) but I still don't have my money. I am rightfully owed {$8500.00} and demand they pay me immediately.
About a month ago, my credit card was compromised which required me to get a new card with a new number, during this process Barclays Bank of Delaware declined XXXX recurring charges for my gym membership in the amount of {$17.00} two times for both my membership and my wife 's. A few days later, due to the payment being declined the gym submitted XXXX charges of {$42.00} ( {$17.00} membership fee + {$25.00} late fee ) which Barclays allowed to be charged to the cancelled card. I have been disputing the {$25.00} portion of the XXXX charges with Barclays as in my opinion this late fee was charged to me due to their actions.
There is an account on my credit report that is not owned by me. I have requested its removal on three occasions. Each send registered mail. They have reported the account as updated but the account remains unchanged.

I have requested verification of the account as I am certain this is not my account ; this has not been provided despite three requests. 

Most recent letter states they had incomplete information to complete my request. The letter does not specify what exactly was incomplete. I have provided copies of identification, utility bills and supporting documents with each request.
I sent Experian a written dispute on XXXX different occasions by certified mail. The only response received was a letter saying that Experian thought it was a suspicious request.
HYUNDAI MOTOR is reporting that I owe over {$20000.00} dollars for a vehicle that I leased with them XX/XX/XXXX. I voluntarily surrender my Sonata vehicle on XX/XX/XXXX. I had asked Hyundai Financial to pick up the vehicle on XX/XX/XXXX, but they took too long to pick it up. The vehicle was in perfect condition. My credit report is reflecting a debt that does not correspond to reality. Should I have a debt for any responsibility for the vehicle, it should not be more that {$1000.00} dollars or so. I do not agree with such reporting and I oppose to any debt that Hyundai has been trying to charge to me.
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS!