WillisBack/dataset-financial-user-claim huggingface dataset:
I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
I sold an item on ebay, and the item was delivered via email. It was stated in the description. 
The person paid, and I shipped the item. They left me positive feedback. 
Paypal refuses to give me my money for this transaction. 

I have an email from paypal, where they said they would release the money on they XX/XX/XXXX, they did not.
on the morning of XX/XX/2018 I notified BANK OF AMERICA that a substantial amount of money was missing from my checking account, different amount were taken on different time and day, total of money taken ( $ XXXX ) i visited my local account in XXXX, NJ, spoke to XXXX   and XXXX. the initiated the claim, # XXXX phone calls where we had little results, continued filling additional forms, on XX/XX/2018 found were available. but A month later again BANK OF AMERICA put a hold on the money again. their explanation was that they change there mind and where taking the money back. 

last action i did, was a police report has been filed and sent to XXXX at bank of america,
I was a struggling XXXX who wanted ro do the right things towards my loans. I uderstood that I took the loan and must now repay it. Nonetheless, XXXX XXXX, now Navient, has made that quite difficult to do by refusing to work with me in any way for a better repayment plan. I have tried everything from trying to change my payment date to trying to lowere the interest and they wo n't budge on anything stating that because I have a Private Loan, there is nothing that can be done.
Capital One bank is taking me to court over {$2000.00}. We missed a month and they said we had to pay {$300.00} and would n't work with us. We did n't have that money. So we could n't pay. Now I 've received a summons to court over {$2000.00}. We do n't have that kind of money. We are barley getting by. My daughter has a XXXX on her XXXX, my father in law is XXXX of XXXX, and I just recently had XXXX XXXX XXXX. I feel like my rights are being violated when it comes to the fair debt collection act for using abusive debt collection practices.
Between XX/XX/XXXX and XX/XX/XXXX i rented an apartment from XXXX XXXX with my wife. From XX/XX/XXXX to the end of my lease i was made the XXXX and was legally not allowed to live in my apartment. As a alternative i resided in a room provided to me by the XXXX. I legally could not have caused any damages to the apartment in question, because i did not live there, both by legal constraint as well as physical.
I purchased a used car from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. The Finance Manager unable to complete ALL of the documents that day. Took my Deposit of over {$4000.00} and told me to come back the following Friday XX/XX/XXXX, when he would have the final paperwork done. I showed up, he was n't there, he left NOTHING. I called him several times and then on XXXX XXXX 2017 I sent a fax to their general manager, XXXX XXXX. He finally got ANOTHER finance manager to XXXX ( took a few days ) me the final paperwork, which I signed on XXXX XXXX 2017. The problem, is they and they 're Bank started the loan on XX/XX/XXXX. They were sending me past due notices for 2 months on XXXX XXXX, 2017, BEFORE the paperwork was completed. I have called the bank, chatted with them ( copy enclosed ), they have done nothing. You see they are " Sub Prime '' lenders and are taking advantage of me. I do not have perfect credit, and that is why they 're charging me over 18 %. I am trying to repair my credit, but these people are liars and sharks. How could they start the clock ticking when paperwork was not finished due to incompetence by the dealer 's finance department. This loan should not be past due, it should have started on the XX/XX/XXXX, when the deal was  finalized. I need them to FIX this, refund their charges, make this loan current ( IT SHOULD BE ) and contact credit bureaus and send me an apology. Or Better Yet, Explain to You, The Government what they are trying to do. this is abusive by both parties!
I have disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Experian refused to reverse the late payments.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. CFPB please step up and fix this ASAP
My husband and I have been fighting to get a tax lien to reflect a paid status through Experian. We have sent proof of payment and a letter from the court. We 've worked hard to payoff our debts and deserve what is fair. The balance as of XXXX/XXXX/16 is still showing " Filed ''. 

They refuse to do this simple task for us. 

Please help
I expected to pay off the loan in 36 payments ; the payments are {$230.00}. 
I 've made 31 payments totaling over XXXX ; the most recent statement shows a payoff balance of over {$4000.00}. The original loan was {$2500.00}. 
I 've repaid three times what I originally borrowed and they say I still owe them {$4000.00}! 
I was XXXX years old when I made the loan and I feel like I was lead into a debt trap. 
I do n't know if this is illegal or not ... I think it should be ... I think it stinks. Is there no one protecting XXXX from this type of thing?
On XX/XX/XXXX, I submitted to the major credit reporting agencies a dispute in regards to accounts and inquiries on my credit that I never knew about or authorized. It has been well over 30 business days since I have submitted my dispute via certified mail to the addresses they have listed on the websites, yet to no avail as the accounts continue to erroneously report on my credit file.
I believe in the month of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , De  XXXX   XXXX  this company had an inquiry on my credit report that I did not authorize.an illegal inquiry.
I recently pulled my credit report and noticed navient reported that I was more the 90+ late on my loans. I was attending school at the time and requested forbearance.I consulted with representative and made an arrange. Upon paying off my loan, I was that my account would show " paid in full '', however ; that is not what is stated on my credit. The information is under collection 90+ days and it displays as charged off. I request that navient be removed from my credit report under collections and replaced with " paid in full. '' Navient staff frequently send me to other reports and never resolve my concerns, they also always lose documentation provided. I was also told that I would be a fixed interest rate and was offered several of rates depending upon a higher monthly loan payment or full payment pay out. This was the reason why I decided to make large payments and close out my account as soon as possible.
I purchased a XXXX XXXX XXXX on XX/XX/XXXX finance thru Santander bank been paying on it since and up to this date Im still at same balance. Ive had late payments on loan and its understandable a late fee and of course I have to pay interest but this is ridiculous that almost 2 yrs and Im still at same balance. I feel this is not a fair act of doing business with consumers. And I stress again this is not right for consumers. I tried talking to Santander and the response they gave me is to make payments on time to avoid all the interest getting charge nothing else could be done
Dear XXXX, my complaint against Ocwen has XXXX issues : A ) No paper statements for several months in various episodes, B ) No online access to my account, C ) Late fees charged several times on purpose and for no reason/excuse.
I filed Chaper XXXX bankruptcy in XXXX in XXXX, Texas. On XX/XX/XXXX I was granted a discharge having paid all my creditors. Bank of America, however, refuses to correct their reporting to the credit agencies and, in fact, sold the debt over to XXXX XXXX, a collection agency, on XX/XX/XXXX!! 
I have a clean slate yet Bank Of America refuses to correct errors that reflect poorly on my credit report. Information that is incorrect and has had a negative impact on my life. 
To their credit- XXXX XXXX has not contacted me at all. 
I was given this information as a result of contacting Bank Of America at XXXX.
The above company has put a debt on my credit report that has not been validated. The said bill was billed to me after I moved out the residence all bills proper to me moving out were paid and nothing was owed the company called me weeks after my departure from the residence and said that I owe the energy bill for the residence even if I no longer was living in there residence during the billing cycle. The residence is trying to have me pay for energy that I or my family did not use because we did not occupy the unit during the billing cycle. I asked to see a bill and the apartment manager could not produce one therefore these charges are not legitimate or legal charges until there can be a legitimate bill produced this must be removed off of my credit report or I will seek legal action again both parties for falsification.
They call my # and if I do n't answer they immediately call my sisters or my brother for which I do n't know how they got their phone numbers. They have never left a voice mail to identify themselves or say what the call is about.
I received a call from a spoofed number. I could tell because the area code was XXXX but the caller ID did n't have a state. They left a message saying they had something ( they did n't get specific ) attached to my social security number and would take legal action if I did n't return the phone call. I find it interesting that they would n't reveal their company name. Professional companies give information not shady messages. 
The ONLY way I will EVER communicate with them is if they mail me a copy of the original debt, who they are collecting for, a copy of a contract or payment agreement, and dates of payments I did make. Until I receive the above information they are not to call me.
Debt collector keep calling asking me to verify home address and last four digits of social security number. Debt is over 15 years old and not even on my credit report. Have told them numerous times to not contact me any further!
PNC Mortgage was notified of representation of the borrower on XXXX XXXX. Communication was sent to the Negotiator, XXXX XXXX, of the short sale to cease all communication with everyone except for the attorney. Negotiator continued to send communication to the borrowers and to the borrowers ' realtor. I called in XXXX and was told we would not have a counter until XXXX. A fax was purposely sent only to the realtor as to avoid communicating with the attorney.
I have contacted this company so many times. They are not listening. The FTC is investigating. Why would I give them information when I am afraid they will do something with the information I provide. 

You can't ask for my drivers license when I am disputing it. California law. 

They keep giving me there resume without even hearing me. I can not take out a loan. I filed bankruptcy not to long ago and I am a veteran so there is no way I would be approved for a loan. LISTEN TO ME. 

Unless your company is shady which I believe it is. There would be no way I can take out a loan.
CapitalOne Mortgage assumed our mortgage from XXXX. I have automatic deductions of mortgage payment from checking account. XXXX was sent back by CapitalOne and they do not give a reason but charged a late fee. On phone payment, the agent of CapitalOne gave a confirmation number of transaction yet never put it through. But, they charged another late fee. XXXX late fees for their mistakes and no accountability. On complaint, I am transferred from one agent to another and finally they say a special agent will call back. No return call ever received.
Paypal is actively allowing sellers to take advantage of the friends and family option to scam buyers. I was prompted to buy an item using the friends and family feature from a seller I met through facebook. After not receiving any item of monetary value from the seller, I started to question if I had been scammed. At this point in time, about a week later, others started to come forward and express that they too had been scammed by the buyer. After contacting ebay about this situation, submitting proof of all the wrongdoing by the seller, and submitting an ACH claim through my bank, I was simply told that paypal was unable to do anything. The sellers account has already been flagged for multiple reversals and refunds, my account of 10 years has no history of black marks on it. I have submitted proof of this seller being a scammer, and have been told by other buyers that they were able to get their money back from paypal after this issue had occured to them. I am now stuck without being able to get paypal to do anything about this fraudulent seller being able to use paypal without repercussion. The seller has violated terms and services by prompting the buyer to sell as friends and family. I was duped into using this service and have now been scammed in the amount of {$160.00}. Paypal is taking no steps to get this money back from the scammer and back into my account.
XXXX XXXX 2016 SYNCB/WALMART received XXXX certified letters disputing XXXX account listed on my credit report. I requested, by certified mail, that the accounts be disputed in accordance with the Fair Credit Reporting Act Sec 623 ( a ) ( 3 ). Additionally I requested proof of debt bearing my signature. I received no feedback from SYNCB/Walmart whatsoever. I checked my credit report 30 calendar days since the receipt of my dispute letter, and the company had not requested the accounts be marked as disputed to the Credit Reporting Agencies. That act alone make them guilty of non-compliance of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] The information they are reporting is incorrect and fraudulent. I contacted the customer service section using the number provided on my credit report. I requested that the accounts be removed as they have already exceeded authorized time ( 30 Day ) to investigate the accounts, and provide me any documentation bearing my signature for proof of debt or account ownership. I want it rectified asap.
I have a consumer credit card with Kohls.com and buy products from them and pay off the card. When a product does not work, does n't fit for example, they will not issue a credit on the card. They issue a merchandise credit that requires buying more to get the value back. 

I do n't like it. And especially in this last case, I ordered women 's shoes size XXXX, they did n't fit, and there was no paperwork to return them, XXXX paperwork. I called. They were not helpful, said they did n't have to provide paperwork. Drive XXXX miles to return them at store, they issued a card for purchasing from Kohls to compensate. I ordered size XXXX and waited, what came was men 's size XXXX, and while my name and address were on outside box, paperwork in the box showed it was a sales to another customer, in XXXX ( I am in XXXX ). Their error, not mine. And I communicated, and then after Kohls told me it would be picked up I have received two messages via email asking me to take it to the store XXXX miles away. I told them they can pick them up if they want them, and I do not accept charges for the order that I did not place for size XXXX men 's shoes.
I have a collection from XXXX in the amount of {$580.00} on my equifax credit report. I disputed thaat item with XXXX who in turn were unable to validate. Subsequently they sent me a letter stating the account had been closed and the would delete from all XXXX bureaus. The item has been deleted from XXXX and XXXX but is still showing on equifax. My letter dated XX/XX/2017 siad all further questions should be directed to the bureaus. So i called equifax and they instructed me to call the creitor back. When i tried to call the creditor i cant get through because as soon as i enter the account number the recording says the account is closed and the call disconnects. So i called equifax again. Equifax tells me theres nothing they can do aand they do not have contact informaation for the creditor. I offerred to send the letter i have from credit protection to equifax. They told me that would do no good. How can they not delete this item when theres no way to validate the debt? And i have a letter stating the order was issued to delete and the other XXXX agencies have already deleted the item.
I purchased my home in  XXXX  for {$110000.00}. We had a second mortgage of {$10000.00}. I filed Chapter  XXXX  Bankruptcy in  XXXX . My payments were made on time during the bankruptcy. I was paying two payments to the company. One payment for the arrears and  one  payment for the current payment. My bankruptcy was successfully discharged in  XXXX . After my bankruptcy, my mortgage company proceeds to tell me that my balance on my first mortgage is {$99000.00} and the balance for my second mortgage is {$10000.00}. I have written letters, called the mortgage company and was told someone would call me back. I have reached out to my attorney who asked me to contact the mortgage company. I 've tried contacting the Trustee who sent the payments with no response.  <P/> I was willing to work with everyone but now that I have paid over {$70000.00} throughout the plan to the mortgage company, my attorney AND the trustee -- everyone seems to not know anything and are n't trying to rectify the situation. The balance should not be the same as it was 12 years ago, when I have been making continuous payments.
Select Portfolio Servicing is my Mortgage holder. I have been going through tough times financially for the past 6 Months. I own a XXXX XXXX, My business is gaining new accounts again. I have submitted documents to SPS to get help with mortgage assistance ... I feel that my requests have not reached the correct persons in order to Help my family in this serious situation. My Homestead is in Danger of Foreclosure ... I have enough equity to restructure my loan, However I need your Help to get the attention of SPS servicing. My Prayer is to keep my home. Thank you in Advance.
On XX/XX/XXXX, I sent a certified letter to XXXX credit bureau disputing a debt for one XXXX XXXX XXXX in the amount of {$8000.00}. After 30 days per the FCRA XXXX reported the data was verified and accurate. On XX/XX/XXXX, I sent another certified letter to XXXX in accordance with the FCRA requesting the methods of verification used in accordance with the FCRA. XXXX failed to provide this information which is a violation of the FCRA. On OXX/XX/XXXX, I contacted XXXX via phone and requested once again the method of verification in response to XXXX 's credit report stating " verified as accurate and updated '' File # XXXX. I reiterated by asking XXXX to provide the name, address, and the telephone number of each person contacted regarding this alleged account. On XX/XX/XXXX7, I received another credit report from XXXX ( same file # ) but this CBR had the same creditor listed twice, as if the debt was totaling {$16000.00}. XXXX did not re-investigated my dispute, as the CBR sent, was dated the same day of my call. AsI reiterated in my certified letters, and call to XXXX, any automated response or e-ocar verification is unacceptable. XXXX must provide documents bearing my signature that the debt is valid. As of the writing of this complaint XXXX has failed to respond to my request. Thus,, XXXX is providing inaccurate, unverifiable information on my CBR and is violation of state and local credit reporting laws, as well as violating the FCRA. There is also a separate complaint against the creditor.
About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either one of these accounts. I called XXXX XXXX XXXX and Continental Financial and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from XXXX XXXX Bank and Continental Financial Company. I am a XXXX veteran and this is aggravating my mental and emotional well-being.