WillisBack/dataset-financial-user-claim huggingface dataset:
I am now seeing yet something else from Portfolioi on my credit report ... ... ... .if it is the one I am thinking of and I can not be sure as I never received any mail regarding this debt ... .it is for a little over XXXX, this may have been one that was closed over 5 yrs ago so that statute of limitations has expired ... .in state of Florida ... ... .Portfolio already unsuccessfully obtained a judgement against me for over XXXX which was shortly vacated by the court there after ... ... ..that debt was still in the statute of limitations and was still vacated ... ... ... Portfolio was just sued for attempting to collect debt and reporting debt that was beyond the statute of limitations for collecting ... ... .this need to either be noted on my credit report that the debt is way beyond the statute of limitations or that Portfolio is once again using unfair tactics in their credit reporting ... ... ... the also call the home and do not identify themselves but instead use a spoofed number or they will ring in from their cellular hone which displays a name instead of Portfolio ... ... .when you answer the phone, you get cursed at until you hang up ... ... ... I am no longer responsible for this debt, period ... ... .and I do n't even know for sure what it stems from because I got no mail ... ... .I am on XXXX XXXX, own nothing except the clothes on my back and I am co owner on a Fl homestead which may have our names on it but I guarantee XXXX will still own it when we die ... ... ... .and that is protected by homestead ... ... ...
RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX XXXXXXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX XXXXXXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, VA XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Called EXPERIAN to freeze my credit. They would do so for 30 days for free and then use my credit card charge me XXXX a month. 

I was successful credit freeze with XXXX and XXXX. 


I made the call XX/XX/2018 at XXXX XXXX.
XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous.

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX
XXXX  and Equifax are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information XXXX  and Equifax was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.
I am in the process of sunsetting my XXXX XXXX bank account. This included designating a new preferred bank account with Paypal. However, my XXXX account was still used with the most recent payments to XXXX and XXXX, causing my XXXX checking account to overdraft XXXX and costing me overdraft fees ( {$25.00} x XXXX ). The 'preferred ' designation appears to have no bearing as to which account Paypal XXXX to charge. 

The Paypal email message center only has a finite amount of categorized customer service actions. I wrote them with my issue only to have an unrelated canned response sent back.
XXXX XXXX XXXX for {$3300.00}, never had apartment here. Disputed it, and it still on my credit report.
On XX/XX/17 there were 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 on XX/XX/17 there were another 2 unauthorized withdrawals from my checking account in the amount of {$500.00} x 2 Total amounts for all four transactions were : {$2000.00} I disputed this with Bank of America and after waiting they sent me a letter stating that the withdrawals were valid as it was an ATM which required a pin ... however, I did NOT authorize this and informed them of it many times through numerous conversations with them but they closed the case and would not re-open. 

I need help in receiving this unauthorized fraud charge. Thanks.
I checked my credit report and saw a fraudulent account named Berlin-wheeler-ks, that was opened on XX/XX/2017. I have disputed the above with all three bureaus. The above mentioned is still being reported as a negative account trying to collect funds in the amount of {$98.00}. This is not my account and under the Fair Credit Reporting Act, this fraudulent account needs to be removed. The company I have hired to handle this issue, has recently informed me that an identity theft affidavit has just been sent off.
an address I never lived at was removed from my credit report. It was added back without notification. The address is  XXXX   XXXX   XXXX   XXXX   XXXX  Md  XXXX
I do not understand the balance of my student loan, the amount is more than what was told to me and I an not seeing a decrease with my payments. Also I have been making payments, but I keeping getting late payments reports on my credit.
On XXXX XXXX I made a reservation for a hotel room on XXXX and when I went to check in, they required a huge deposit, which I did not have and was told they could not cancel the reservation but to contact XXXX and ask them to cancel it - which I tried, but was unable to get anyone live on the phone at XXXX. So on XXXX XXXX, I disputed this charge with Capital One and they issued a temporary credit. Then on XXXX XXXX, there was a transaction rebill for that {$74.00} which Capital One stated it was XXXX. The guys at Capital One informed me he would dispute that and make sure it did not appear again, which he did not.
I received a loan threw XXXX. When it was time i made payments on time as the agreement. Cashnet then attempted to make unauthorized debits from my account. I was notified by my bank, who closed the account and began an investigation, While in the process CASHnet again made an attempt to debit funds. This made the account go into a negative balance as my available funds had already been moved to a different account. I am now getting harassing calls from a third party debt collector threatening to sue me and garnish my wages. They called my work phone number on numerous occasions. I spoke to a supervisor by the name of XXXX XXXX who was the person threatening me. I tried to explain to her the circumstances involving the account but she was uninterested. She was very rude.
I purchased an American Express Serve Pre-Paid Card to use as a source for direct deposit of my pay check. My first deposit was deposited on XX/XX/2016 and on the same day of that deposit I received XXXX unauthorized transaction from the State of XXXX while I was in the State of XXXX working. I contacted the American Express Card services the same day XX/XX/XXXX to notify them of the unauthorized transactions. There were XXXX transaction for {$50.00} each and XXXX transaction for {$37.00} for a total of {$180.00} on XX/XX/XXXX I was told I needed to wait 3-4 days for the transaction to post and to call them back. I called back on XX/XX/XXXX and was told the transactions had posted and that I could dispute the charges. I was told I needed to fill out their Declaration Fraud Form and return it via their upload site. On XX/XX/XXXX I scanned the form as a PDF and uploaded it to them. They told me, if I return the forms back within a 10 day time period, they would credit back my money while they completed the investigation. After 8 days, I call them again because I had not received any correspondence from them during the 8 day periods. I was told that the documents I sent were all black and unreadable. After pushing the issue to a speak to a supervisor I was told that their PDF program was not working, so they could not read the forms. Once again, I informed the supervisor that I not received any correspondence from them concerning the documents being illegible. I asked the supervisor what was an alternate way to send the forms back and she gave me a fax number ( XXXX ) and she said if I fax it immediately, she would get the documents from the fax machine and review it. I fax it on XX/XX/XXXX at XXXX and received a fax conformation that the fax was received OK. I call her back and she said that she had received it and the forms were good. The supervisor then said she was going to send them to the investigation department to complete the process and to get them to credit my money. I call again on XX/XX/XXXX to find out my status and once again I was told the forms were unreadable and I needed to resend them again. I said the first one were unreadable but I resent them via fax and they were reviewed as OK. I never received a text or email that either set of documents sent were unreadable or unusable. Please remember the supervisor on XX/XX/XXXX read them and said they were ok. I was requested to send them again for the third time via fax by Supervisor XXXX ( ID # XXXX ) which I did on XX/XX/XXXX. I really believe they are stalling and taking me through all these changes so they do n't have to return my money by making me become frustrated and walk away from the process.
I have been paying on time, faithfully on my Navient Student Loans for several years. I noticed that recently my balance doesn't seem to be decreasing as it should be. After researching my loans, it appears that 5 ( of 12 ) of my loans have been charged an interest rate over 9 % starting with my XX/XX/2017 payment. These loans are listed at 6.55 %. 

One additional loan doesn't even make sense when looking at the history. At one point they charged a payment of {$200.00} in a single month for interest on a {$4000.00} loan. 

3 loans have been paid off for at least a year, meaning 6 of my 9 active loans contain likely errors.
In XXXX 2015 I set up a settlement with Midland Credit Management ( Midland Funding LLC ) for a debt they bought from XXXX XXXX XXXX. I paid the agreed settlement in XXXX 2015. I received documentation for the settlement agreement and that it had been paid. This company is still reporting this account open to the XXXX credit bureaus. I have disputed this with the credit bureaus and the company still maintains that I have balance due. When I called the company and spoke with Consumer Affairs division, they claim that the Internal Legal department has not notified them the debt has been paid. I have spoken to the Internal Legal department who indicated that the account is closed and there is nothing more they can do for me. In the meantime, this account is still showing open with a balance on my credit reports because even after I provide documents regarding the settlement and that it 's paid from this company. The company keeps reporting differently.
why are my wages still under a garnishment when my debt went into default in XXXX and LVNV funding did not show original signed documents from XXXX..there is no proof of ownership.
I have a collection account on my three ( 3 ) credit files from a collection agency named Trident Asset Management, LLC.  Please be advised that I am disputing this collection due to the fact Trident Asset Management, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX ) does not have a valid license nor a certificate of authority in Mississippi to collect on debts. This information is stating that their license is currently nonexistent according to https : XXXX. Furthermore, this company never contacted me about this account but just placed the account on my credit reports without verifying if the information is true or if the item is mine or not. In reference to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), validation letters were sent to XXXX,  XXXX, and XXXX on XXXX XXXX, XXXX. The account was deleted from XXXX ; however, no proof was provided to me by XXXX nor XXXX as of the date of this letter and it continues to remain on both reports.
I opened a Citigold checking account in XXXX 2015 with a XXXX Aadvantage miles offer attached and met all requirements. I was informed via chat with XXXX on XXXX XXXX that I had indeed met those requirements and points should post within 90 days. I am providing a copy of that chat. A follow-up phone call on XXXX XXXX with XXXX also confirmed that points should post by XXXX XXXX. Now Citi is refusing to award the points and charging me {$30.00} per month while we dispute this. My appeals were denied. The secured message ( SM ) on their website has not worked for me in weeks and despite my notifying them of this nothing has changed. I finally faxed a copy of the chat to them and have received no response. I have done all that I can to get Citi to honor their commitment and I hope that this agency can assist me in getting the bonus I earned and a refund on the monthly fee ( s ) that I am being charged while this drags out. Thank you --
1. XX/XX/XXXX days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), XXXX XXXX XXXX 2. XX/XX/XXXX days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. XX/XX/XXXX days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. XXXX days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX Card 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, Ford Motor Credit 7. XXXX XXXX  days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to giving birth around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX XXXX XXXX. 

9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX Bank 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX XXXX
I was denied a rental property due to an outstanding balance on a property I allegedly rented from them ( I did not, they have the wrong person ) but I'm trying to get information to find out what's happening, and when I called them, they refused to provide proof of the debt. They also tried to trick me into providing my current employer, I guess to ease their collection process. 

I expect them to, immediately, provide either proof the debt belongs to me or to remove the debt from my rental credit report so I can shop for a new place to live.
on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to Transunion, XXXX, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.
I requested fro m Wells Fargo to obt ain the necessary documentation to be able to obtain a home valuation in order to terminate the need for private mortgage insurance. I received the documentation and provided the necessary information inclusive of the {$200.00} for a brokers price opinion. The initial professional assigned to perform the BPO was unresponsive to phone messages I left him. I subsequently received a call from a gentlemen who advised that he was subcontracted by the original professional to complete the home inspection for the BPO. He explained that his work-product would be submitted to the Bank by close of business that same  day. (   XXXX   XXXX ,   XXXX   )  On  Friday,  XXXX   XXXX ,   XXXX  , I called the Bank to follow up on the valuation results. They advised that the documents were still being uploaded and they should have a decision in a couple of days. On Saturday,  XXXX   XXXX ,   XXXX  , I once again I followed up with a call and I was told by the representative and her supervisor that there was no documentation on file supporting that a BPO had been performed.   The {$200.00} check submitted was negotiated, an inspection was performed, but at this time there is no evidence of an evaluation. I would like your assistance with this matter.
ON XXXX XXXX, 2015, NATIONSTAR DEBT COLLECTION AGENCY HIRED XXXX, XXXX, XXXX TO PLACE A FORECLOSURE INTENT NOTICE ON THE DOORSTEP, AND INTO THE MAILBOX WITHOUT SENDING THE NOTICE THROUGH UNITED STATES POSTAL VIA MAIL COMMITTED MAIL FRUAD WHICH IS A FEDERAL FELONY CHARGE PUNISHABLE BY FEDERAL LAW TO ATTEMPT TO COLLECT A DEBT NOT OWED TO NATIONSTAR WITH NO SIGNATURE CONTRACT WITH THE AGGRIEVED PARTY. THE I.R.S. WHISTLEBLOWERS OFFICE IN XXXX UTAH AND XXXX CALIFORNIA HAS BEEN NOTIFIED WITH FILING FORMS XXXX ALONG WITH XXXX, XXXX COVER SHEET PLACE ALONGSIDE A POLITICLE/PUBLIC CORRUPTION AFFIDAVIT SUPPORTING THE ALLEGATIONS AGAINST NATIONSTAR IN COLLUTION WITH AURORA LOAN SERVICES, XXXX, AND XXXX, XXXX A VIRGINIA CORPORATION. A COURT ORDER ENTERED INTO JUDGMENT CHAPTER XXXX BANKRUPTCY COURT GRANTED AND SIGNED BY JUDGE XXXX XXXX UNITED STATES BANKRUPTCY COURT JUDGE ON XXXX XXXX, 2015 DISCHARGING ALL DEBTS FOR THE AGGRIEVED DEBTOR PAID IN FULL. I WILL BE SUBMITTING OTHER COMPLAINTS FILED AGAINST THE ACCUSED PARTY THAT WERE SENT TO OTHER AGENCIES LIKE THE F.B.I ; U.S. CID, C.I.A., SECRET SERVICES, AND XXXX ... .. FOR VIOLATION OF HOBBS ACT ( ROBBERY AND EXTORTION ) ; VIOLATION OF THE SMITH ACT ( OVERTHROWING THE U.S. REPUBLIC STATE CONSTITUTION XXXX ; VIOLATION OF R.I.C.O ACT ; AND VIOLATION OF DBA PRACTICES ACTING AS DECEPTIVE DEBT COLLECTORS WITH NO INTEREST IN THE PROPERTY ; AND VIOLATION OF PUBLIC LAW 10 CHAPTER 48, STATUE 48 SECTION 112,113.
Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...
Unfair and deceptive marketing practices : 1. Sent information about a cash advance, which I took 2. About 6 months later, sent information on upgrading to a Citi XXXX Card 3. Once this happened, my cash advance started to accumulate interest, which was XXXX Interest at the time.
I was a victim of identity theft and now I have pay day loan inquiries on my report under my old name XXXX XXXX, the person even tried to carry me on income taxes. I 've tried to dispute them but the credit reporting company is telling me to contact the company. The companies wo n't remove them saying that it 's my information, even though I have documentation from the IRS, say I have identity theft on record
I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review.

My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX  XXXX Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Barrclay 's has violated x 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.