WillisBack/dataset-financial-user-claim huggingface dataset:
I have been fighting this battle Of Identity theft among many Creditors that they believe that the account has been verify as being mine. Macy 's just verify the account by identifying my name and address to be correct and it match their records, therefore the Credit Card accounts are mine, without telling me how they concluded with the investigation of both accounts, No information has been released to me, to let me know about their determination about those Macy 's Accounts, where they can prove I actually made all of the charges on those Credit Card Accounts. Instead what I found out later is the fact that Macy 's all of the sudden created another different Credit Account Number the difference between of both account is the fact the numbers are different ; but the opening date of both accounts are the same and both carry the same balances, Frankly I have never seen anything like it, The problem is that both account are creating a big impact on my Credit Profile and Credit Score because both accounts are close, but the problem is that every month they are reporting that both accounts are over the limit, and also reporting as both being late payments, when in fact both accounts are closed, on top the last payment according to them were received over 4 years ago, per Fair Credit Act and the provisions if the account are over 4 years, and trying to collect a debt are in violation of the statute of limitations in California where I reside, Please see the issues in detail to see If I am correct that there is violations, for example how in the world a Credit company can create XXXX accounts under the same name account holder, and both has the same balance and opening dates. 
This account were reported as of Identity Theft I submitted the Police Report as well as the Federal Trade Commission Affidavit to Macy 's apparently they ignored it, you can find as well the Case Number under FTC. on the police report. 
Also I Wrote a letter to Macy 's as you will see int he attachments dated XXXX XXXX where I am specifying to Macy 's that they have 30 days to provide me with the documents requested it, as of today I have been ignored, it do n't matter the letters Macy 's had sent me stating that the account has been validated but How?, when? where is the Investigation Report? I ask them if you fail to provide such information within 30 days they must Remove/Delete both accounts and Notified the XXXX major Credit Bureaus to update my Profile.
I received a call from XXXX, from Oracle Financial Group LLC . He told me there was a case pending and that I would be served unless I set up a payment with him. He told me he could stop the person who was going to serve me if I made a payment by Friday. ( XX/XX/2017 ). I also received a call from someone claiming to be a " server '' and would go to my place of work to serve me paperwork. Out of fear, I did set up a payment for the XX/XX/XXXX for XXXX. When I asked for a validation letter, XXXX got very defensive and told me I was becoming unbearable to work with. He has also called me at my place of work and told my supervisor that I was being investigated for a bad check!
Fraudulent charges caused by Citibank add on features. Impact of fraudulent charges affect balance, including interest and late charges. Account stated would have to be corrected for each month add on charges occurred. 

XXXX
I am writing this letter because less than a month ago I purchased a car with XXXX XXXX XXXX, MA and I acquired the finance with Wellsfargo.
<P/>I made it very clear that I didnt want my monthly payment higher than {$400.00}. I was surprised when I verified the terms and conditions of my car loan with the Wells Fargo agent. The interest rate is 4.9 % to 6 years finance. I consider that Wells Fargo has incurred in Fair Lending violation since I know people who currently has an interest rate of 2.9 %.
I have a charged off account with XXXX XXXX XXXX reporting on my Experian credit report. The date of first delinquency shows XXXX of 2012. I am fully aware that there is a minimum of 7 years from the date of first delinquency before a negative item can be removed from a credit report. I also know that there is a thing called " early exclusion. '' I have successfully had this item removed from XXXX, and XXXX   for early exclusion. When I try and call Experian to do the same, they always tell me no and that they have never heard of early exclusion and that I would have to wait till XXXX. I would also like to note that this debt was forgiven with the Original credit granter. I am in the process of buying a home and need this item removed from my report. I am well within my rights as a consumer to have this item removed per my request, but Experian refuses to cooperate with me. Therefore I am filing this complaint.
I have an unverified account from AARGON AGENCY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AARGON AGENCY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8.  An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AARGON AGENCY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I contacted this company and informed them they were reporting false and inaccurate information. I asked them to provide proof of contract with my signature which could prove I owe the debt. They were unable to do so. Instead, the company sent an internet generated billing statement.

I sent them certified mail demading them to cease and desist contacting me and demanded they quit reporting inaccurate information. They violated both demands.
I have sent prior request from the credit bureaus on the charge off account status on some accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on my credit report, namely after several attempts, they did not delete the accounts nor gave me an explanation as to why they wont delete it..I have been denied credit because of this erroneous information.. All I ask is that you delete this information from my credit report right away
After being XXXX from XXXX XXXX status as a XXXX XXXX XXXX my credit card company, Chase Bank Card Services decrease my credit limits and increase my APR rate with out notification. After contacting Chase JP Morgan bank, they claimed they received late payments. I advise them, I never paid my account late, and I was recently released from XXXX XXXX and was not given proper notice of any change in the card agreement or notice of changes in payments or new interest rate. My understanding SCRA trigger certain requirements under the Truth in Lending Act and Reg Z. Generally, a credit card company may only increase the interest rate and any fees or charges to the same amount that applied before the start of XXXX XXXX ; a 45-day advance notice of change in terms must be provided after a member is no longer on XXXX XXXX before the credit card company can increase the annual percentage rate to the contract rate, or increase any fees or other charges that were reduced or eliminated. This adverse action caused an adverse affect on my FICO score and made it difficulty for me in seeking future gainful employment, and has caused challenging experience refinancing my home mortgage.
Equifax has been non-compliant with removing the unverified account XXXX  XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
On or about XX/XX/2011 I contacted XXXX to discontinue services with the company. I asked them to stop services and they made an appointment for the technician to pick up their equipment, they did come and picked it up. Months later I received a bill in the amount of XXXX dollars. I called XXXX and they said I would have to pay this. I told them I discontinued services myself. What other way would they have got their equipment. Since then this has been on my credit report for no reason and I would like it removed.
XXXX License # XXXX ; XXXX NMLS # XXXX denied my loan due to me having XXXX credit score that reached requirements and the other did not she chose the credit score that was the lowest. Along with discriminatory remarks
I received a foreclosure notice in XXXX, 2016 which sparked an investigation on. Y part. They do not have. Y financial history up to do and they are constantly sending me foreclosure notices. I have contacted Citimortgage and faxed all documentation and no one will call or work with me, they just keep sending me foreclosure notices. I now need a higher power to intervene and help me fix this issue.
I had pay day loans with a place called Continental Loans. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.
I have never heard of XXXX XXXX XXXX or have had any communication from them. They appear as a negative collection mark on my credit report. When I disputed the collection, the results came back as it was my debt but I have not received any information on what the debt was for. I have never heard of XXXX XXXX XXXX nor have I ever received any communication from them.
I opened a Savings account with PNC BANK. To start, they had a {$100.00} monetary gift I was not aware of. This was oppenned in XX/XX/XXXX. Then in XXXX XXXXI spoke with XXXX XXXX about their brokerage account and had $ XXXXXXXXwired to the from XXXX . I Opened an account to have a debit card I can use. AfterFUNDS were wired by XXXX, he asked some me to open a checking account with them. 
I told him I do n't need to because I have XXXX checking accounts with my other XXXX. Then I told him that they never gave me {$100.00} for opening a savings account with XXXX back in XXXX. I asked XXXX XXXX about their new promo of {$200.00} to opena checking account and he said I 'm not eligible for it. I declined to receive a checkingaccount. He forced me to open XXXX because it 's no harm to get XXXX. I okay to get theChecking account but did not give me promo offer. XXXX month later, I was transferring fundsfrom XXXX and PNC BANK, my account got over drawn by XXXX. Nobody at the bankInformed me about It even though mostly everyone there knows me. Then a collection letterWas received for {$500.00} and some change. I went to PNC BANK to speak to XXXX, branch manager of XXXX XXXX XXXX and told me that XXXX was moved to a different branch. I asked her about the delinquency and how {$30.00} became {$500.00}, andshe gave me a customer service line that is a robot call and I get disconnected everytimeI call the number. And why was I not offered over draft protection for the Checking accountthey insist I have, she told me she would look in to it And never heard from her again even after leaving numerous messages for her. I called main phone number for PNC BANK andI was transferred to the escalation department, and I found out that I have XXXX checking accounts but no protection from over drafts. I bank with XXXX and XXXX so I never had this problem before. She handled FTC CASES, and did n't help me out. She dunned me for the entire balance. Now my credit is jeopardized due to neglect and poor quality of service. 
I want them to fix this problem and I hope you can help me. 
Thank you, XXXX XXXX XXXX
Mortgage fraud - appraisal fraud - responses that are lies and CFPB that does absolutely nothing.
XXXX from Nations Recovery Center called me at work requesting i pay a XXXX debt. I said it 's not mine and I wanted her debt collator number. she refused to give it to me. She would not give me the address to send a letter that it was not mine. not to mention she was down right rude. 

I have written letters to multi companies including figerhut this is not my debt. 


after calling them back i was contected to a person who used a fake name and a would not give me a website of there company. they all so gave me an address that i think does not belong to them. I could not find the company in any address book. 

Lastly he bragged that it was XXXX dollar business but let would not give me any information on this XXXX dollar business.
I rented an apartment and in XXXX XXXX, I bought a home and did not sign a lease, I did a month to month for XX/XX/XXXX and XX/XX/XXXX. I did a walk through and did not owe any damages and gave them proper notice. I also paid my rent via check and I have proof that I paid in XX/XX/XXXX, because it was a pro-rated amount for {$75.00} and I submitted the proof to the collections agency as my old bank is trying to research the XX/XX/XXXX check from XX/XX/XXXX. I left in good standing. I faxed my documents to the agency on XXXX/XXXX/XXXX and they were supposed to forward it to the apartment management company. I followed up on XXXX/XXXX/XXXX and was told it takes 7 days for it to show up in their system, it has been 8 days. I have n't been able to contact the apartment owner, XXXX XXXX, as they no longer own the apartments. I was told I owe {$1200.00}, when I have paid and submitted documentation. the rep at the collections agency, stated that now they are saying that I did not give notice, and that is what the bill is for, when I gave notice, because it was up in XXXX XXXX and I was able to stay there until XX/XX/XXXX when I moved into my home and gave more than adequate notice. I left a forwarding address in order to receive my deposit, which I never did and have not heard anything from anyone in 6 years. The collections agency refuses to accept my proof. It stands to reason that I paid XX/XX/XXXX and would also have paid XX/XX/XXXX. I feel this is an attempt to extort money from me. The apartment manager at the time was XXXX, and I did give her notice and she was the one that came up with the pro-rated amount of {$75.00} for XX/XX/XXXX. I paid my rent on time monthly for the time that I was there, was never late and did not leave any damages. I feel the collections agency just wants to get money from me that I do not owe. The rep today, XXXX stated that she was going to order and mail me the validation of debt today, XXXX/XXXX/XXXX which I do not believe, as the other rep, XXXX XXXX, on XXXX/XXXX/XXXX gave me a fax number to send documents that they have not sent to the client in order to resolve this issue. the fax was sent on XXXX and I validated the fax number with the rep named XXXX. I hope that I wont have to get an attorney to challenge this.
When we obtained a mortgage XX/XX/XXXX, we had to accept an ARM mortgage with an interest rate of 8.25 % due due to a high ratio of debt. From that time, to the present, we have had two late payments ( missed deadline by 1 day and the latest late payment is explained below ) and have reduced our debt, however every time we try to remortgage at a lower interest rate, we were turned down. Our mortgage payment is XXXX. Currently, we are in the process of a no-fault, amicable divorce and we need a lower rate/help for approx 4-6 months due to the added expense of the divorce process until we can sell our house XX/XX/XXXX. XX/XX/XXXX, we did only had XXXX for the mortgage payment and contacted Chase. They let us miss the payment but added a portion of the missed payment to the next 6 payments making our monthly mortgage XXXX. We just tried to remortgage but Chase refused saying we have a late payment. We now receive mail packet after mail packet telling us they are here to help. This is a joke because they refuse. We need help or we may go into forclosure. We only need help until the house is sold. If our interest rate is reduced we would lower our normal payment from XXXX to approx. XXXX which would be a god send.
on X/XX/2017 Coinbase wrongfully transferred money out of my bank account and is now refusing to pay it back. When confronted by my bank account transaction proof, they simply refuse to show any proof and are simply ignoring my requests They now have locked my account for 60 days, so I cant even take out my US Dollars valued around {$3900.00} from my account
A company called XXXX contacted me on two separate occasions, once on XX/XX/XXXX and again today, XX/XX/XXXX. This agency was looking for my sister, XXXX XXXX. On XX/XX/XXXX I told the company that this was a relative 's phone number and i was not to be contacted. I called my sister to notify her of the call and she let me know that they had called her before they called me. So they knowingly had contact with her and her contact information, but couldn't make progress with her so they contacted me. This agency was trying to collect a debt for a company called XXXX and associates ( XXXX ) XXXX. I am being harassed for a debt that does not belong to me. I also live in a different state than my sister and have a phone number that was obtained years after any date that we lived in the same household. It seems that i was tracked down by personal information to get in contact with my sister when they already had her contact information.
1. ) My account indicates that my payments will increase, even though I have made payments on time for the past 7 years. My payment amounts increased from {$220.00} to {$680.00} for no reason. They have no right or reason to keep raising payments.
2. ) My account indicates that I have been only paying on interest and not on the principal of my loans. Over the course of 7 years, on some accounts, it appears that I have not made any progress in paying off accounts at all.
3. ) My account indicates that in 2012 a number of " disbursements '' were made on my behalf. I was not a student and did not receive any of these disbursements, one amounted to {$27000.00}. This significantly increased my balance.
4. ) The Navient loan company was recently sued for harming student borrowers though the repayment process. They are cause me a lot of harm.
I was shocked when reviewing my credit report and found these late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
First, I am a veteran, so there was never a bill for me to pay. The company Healthcare Financial Services ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on no ones authorization put me in collections and on my credit report for bills that I never had. I was about to pay them ion order to get them removed from my credit report, but instead went to the ( XXXX ) and sat down with the director of business office and came to find out that She never even sent them any information or a bill concerning me because there was no bill to send. They also fabricated XXXX other bills that the ( XXXX ) can verify in the total amount of around XXXX dollars. THe hospital ( XXXX XXXX, XXXX ) called them and straightened the matter out, but they ( Health Financial Serv. employee contacts were very rude and laughing about the matter. If i had paid the amounts that were asked for where would the money have gone for a bill that did not exist? They are running a SCAM and need to be totally shut down and I am filing a suit because of the damage that has incurred on my credit report.
had credit card with wellsfargo each month charged excessive fees no matter how much paid month after month balance never went down. whatever paid like throwing away money. asked for consolidation loan for help turned down, someone needs to look into how charge excess credit card fees something going on with this company.PLEASE PUT WELLSFARGO UNDER MICROSCOPE ON THEIR CREDIT CARD FEES AND INTEREST RATE.
I lost my job and signed up at the XXXX XXXX XXXX. they had me in class the next day. I XXXX made about $ XXXX year income. I was receiving grants. I got to XXXX. Then I had a XXXX. I had a XXXX 9 months earlier. I had a XXXX. I did not have stamina to continue financially. They would n't give me time off until I was better withdrew me and told me that I had no more grant money. I did pay about {$250.00} a month on my student loan. I called once to tell them I was gon na be late. They told me that I did n't make enough money to pay them. so they put me on defer ments. you have to understand I basicly worked XXXX jobs. I signed to consolidate a couple times with a reasonable amount I could pay {$110.00} a month. then the payments went up to a XXXX a month. I quit. that was 20 years ago Now 14 years at my job and 20 years later they are garnishing my wages for 15 % of my disposable income. Now i make less than XXXX and and they say i owe them a {$120000.00}. I heard the school got sued. they closed and the building does n't even exist anymore. but i am stuck with a loan i can not po possible pay back and no great job to support myself. I in my core do not i should be victimized like this. On my credit report is says closed with a XXXX balance. I am XXXX years old. worked hard for my little bit of money all my life.
XXXX ( original creditor ) and AFNI ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice with a variety of account numbers on several occasions ( four times since 2017 ) and my credit score was temporarily negatively impacted as a result. In most cases, the credit agencies corrected the entries subsequent to investigations. I have never had any unpaid debts with either XXXX or AFNI, however ; XXXX is, once again, showing that I have a collection account. I've included a page showing the current account in dispute.