WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has reported a fraudulent debt, they allege I owe to their collection agency, XXXX XXXX Phone number : XXXX, Account : XXXX. This collection agency, XXXX, has reported this fraudulent debt to the credit bureaus ( XXXX, Equifax , XXXX ). The alleged debt was disputed with all XXXX credit bureaus. XXXX is the only Credit Bureau that responded appropriately, via removing the fraudulent alleged debt away from my credit report. Equifax and XXXX need to do the same especially while the investigation is in place. Via Federal Law, once a debt is disputed with the credit bureaus, if the financial institution does not provide proper documentation to prove the alleged debt is mine, the alleged debt must be removed from my credit report via the credit bureau. The proper documentation in this specific case is a judgment awarding XXXX XXXX the alleged debt. They do not have such a judgment because I do not not owe them anything. XXXX XXXX are affecting my credit and my livelihood. The presumed account with XXXX XXXX and alleged debt has not been verified or validated. I am requesting the assistance of The Federal Trade Commission, to assist Equifax and XXXX credit bureau to remove the fraudulent activity off of my credit report immediately as it is negatively affecting me. 

Please help XXXX XXXX better understand The Law, and the proper venues to pursue fraudulent debt they alleged I owe when, in fact, I do not owe them anything. For some reason, they believe they are special and can harass individuals whom have proceed forward, and do not want to be harassed by them-XXXX. 

I do not owe XXXX XXXX any money. XXXX XXXX owes me, XXXX XXXX XXXX. In reality, the company, received an ill got eviction without ever providing me with a summons or complaint. According to the law, the judgment of possession should have been vacated but they refused to acknowledge The Law. They then burglarized me despite me providing written and verbal notification within the required time frame of I was not abandoning my property. I then sued them, and the property they allegedly was 'disposed of '' was now being negotiated back to me, in an attempt to extort approximately {$2700.00}. They negotiated to return my " disposed '' now confirmed " wrongfully distrained '' ( WHICH IS ILLEGAL ) property back to me, and not to report any eviction or alleged debt to credit bureaus. They continue to lie, and disregard highly esteemed Laws, Codes, Statutes, and Court Rules. Please help them realize they are not special and they too must obey The Laws, Codes, Statutes, and Court Rules. The proper venue for this issue is the Court sytem within their jurisdiction not the credit bureau. Please have the fraudulent account and fraudulent debt they alleged I, XXXX XXXX XXXX, owe removed from credit bureaus. Thank you. 

The attached documentation is inaccurate information sent to me from collection agency, XXXX. The information is inaccurate and reports a fraudulent lease agreement amount I did not agree with, and a ledger displaying fraudulent inaccurate account activity. The lease and ledger do not belong to me.
RE : CFPB Case Number : XXXX claims that the " prior servicer 's tax vendor '' made the initial error which led to the escrow shortfall. The prior servicer is XXXX XXXX who identified CoreLogic as the tax vendor. I contacted CoreLogic nearly two months ago seeking clarification and have not heard back. 

Attached:1 ) XXXX XXXX response XXXX claiming prior servicer 's tax vendor made escrow error. 
2 ) XXXX XXXX 's response identifying CoreLogic as tax vendor. 
3 ) My letter to CoreLogic seeking clarification. 
4 ) CoreLogic 's signature of receipt of my letter.
XXXX XXXXXXXX XXXX ( collection/charge-off ) claim ; this is a blatant error ... I settled this account before it went into collections, yet the bureaus insist on reporting it wrong ... I have contacted the creditor and the creditor concurred and said it is invalid and should not be on my report ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I received a secured credit card with capital one with a {$200.00} balance to help build my credit. I put {$100.00} down to received the card. My FIRST payment wasnt due until XX/XX/XXXX I believe ( around that time ) but made my FULL payment via my bank account on XX/XX/XXXX. I wasnt sure about which of the 5 routing numbers to use for my area but picked the one closest to me and sent the payment. I checked my account all the following weekend but no withdrawl was made to my bank account for the amount due. I called Capital One Monday XX/XX/XXXX to see what was going on and they said it was returned ( routing number ) and said just find correct routing number and resubmit which i did IMMEDIATELY! Note that the Capital One rep NEVER said my account was closed or anything of that nature and that resubmitting my payment would fix the issue. Fast forward to Wednesday XX/XX/XXXX still no payment taken out of my bank account. I called and spoke with my bank and they said it shows to be taken out overnight on Thursday XX/XX/XXXX. I called the number on the back of my card to let them know what my bank said and my card sent me straight to the fraud department. I spoke with a rep who REFUSED to give me his employee ID number after I caught him laughing/giggling at me while having our conversation. I can only assume he was laughing at how aggitated I was because I am TRYING to build my credit and such a simple issue could have been easily resolved OTHER THAN SHUTTING DOWN MY CARD. I have plenty of money in my bank and was ATTMEPTING to pay my balance due EARLY and now because Capital One couldnt of contacted me to let me know about the routing number issue ( even though i clearly made calls to fix issue ) my account is closed and I have to now reapply and no other options. This is bad business! If my funds werent available thats one thing but because of a mistake entering my routing number???? and again the rep ( Employee number XXXX - XXXX XXXX ) was such a jerk on the phone and had such a condesending attitude I wil NEVER do business with Capital One ever again! I am FURIOUS as I feel I am being severly penalized for an issue that was in NO WAY anything other than trying to pay my dang CC bill! The way I was treated by XXXX was unprofessional and I will continue to file complaints with state/local/federal agencies to let them know about how Capital One likes to do business and not actually provide customer service in any way! I am trying very hard to establish and build credit and the first time I get a card this happens!?!? And their reply is " ohh well, you can reapply but we closed the account ''. I would like someone to take action against Capital One Employee ( Employee number XXXX - XXXX XXXX ) for how I was disgustingly treated when I CLEARLY was trying to make an EARLY PAYMENT IN FULL! I will never use their services ever again and will also discourage any friends/family from doing so in the future.
I was told that i needed to move out of an apartment complex before my lease was up even though i was on time with my payments. I was told by the office at that time that there would be no fee for me having to break my lease early since my XXXX was why i had to move out. I have tried to get a rental since then and i can't because there is a XXXX collection from the apartment complex on my credit report. I have tried to resolve the issue but not gotten anywhere and i need a place to live.
After refinancing my mortgage a few years ago, the loan was sold to Freedom Mortgage. For much of the past two years of this relationship, this company has a knack of not properly applying my payments. I 've made more than 2 dozen phone calls to rectify these misapplications, have spoken to managers, and have submitted a formal complaint. Since their response to my letter, they have screwed up the subsequent 3 monthly payments. They choose to ignore what I write on the remittance advice and now thanks to their own advice, even instructions on the memo field of the check. Alas, they insist on applying my monthly payments to future months and curtailing the remainder rather than applying all the additional funds to principal. If I was no longer concerned with the accuracy of my account, I wonder when I make my final payment around the summer of XXXX whether I will receive the title then or when they have my payments applied out to sometime in XXXX. I am not interested in making double payments each month to escrow and interest ; I want my house paid off ... and not have the XXXX incorrect when I have to do tax preparation.
My wife and I applied for a mortgage with huntington bank. We discussed the ins and outs of the loan process with XXXX XXXX and talked about how much would be needed to be put down on our mortgage loan. We later met again with XXXX XXXX and he showed us the loan estimate. We then received the closing disclosure, which we signed with the monthly payment being final. My wife and I took the final payment on the closing disclosure as correct ( we do n't understand all the realty / banking abbreviations that go in to an estimate ). As we approached closing date ( huntington bank had aprox 45 day notice of ) huntington asked to move the closing date back from XXXX/XXXX/16 to XXXX/XXXX/16. The process went quick because of multiple phone calls and text messages from myself and my wife. We then closed on XXXX/XXXX/16 @ XXXX at XXXX XXXX XXXX, XXXX After I got home after closing I received a phone call from XXXX XXXX , from huntington bank , that they improperly disclosed information to us, and that the closing was void. We then had to wait for new CD forms to be sent to us so we could verify them and establish a new closing date. It turns out that huntington bank failed to disclose Mortgage Insurance to my wife and I in the Lenders estimate and closing disclosure ( which is almost {$100.00} difference per mo. ). After multiple phone calls and cussing battles with XXXX XXXX he tried to blame us for not catching the banks mistake. Both XXXX XXXX and XXXX XXXX, have stated that all huntington bank will do is grant us {$750.00} refund on top of a {$250.00} refund for opening a checking account with them.That does nothing to help the fact that we could n't close on time and now we have to wait five additional days. They have caused countless hours of stress to my wife and I, and all they want to do is cover their own backs and try and blame us. It should n't take countless phone calls and text messages from the customer to the lender to get them to do the job they get paid to do. 
At the closing with XXXX XXXX XXXX, XXXX, we learned that we should have received the appraisal for the property that we were/are purchasing. We did not receive such appraisal. We finally did receive it on XXXX/XXXX/16 ( the day of closing ) at XXXX, 4 hours after our closing time. 
XXXX XXXX and XXXX XXXX have never responded to phone calls in a timely matter. It is offensive that a mortgage company that prides themselves on customer service, will not own up to the previously stated issues. 
We went with huntington bank because we thought they were a good company and we could trust them. We have come to the conclusion that the customer ( in this case us ) does n't matter. They have made this process awful and we still ca n't trust that they will close on XX/XX/2016 like they promised we will. If they do n't close this time when they promised to we could end up losing the house and will have no where to live. 
We hope that someone reading this will take action to stop huntington from treating people this way.
I have the Citi Double Cash Card. As I have redeemed around {$2300.00} in redemptions, I have been redeeming it as " statement credits ''. Since these paid down my balance, I felt these were payments, which payments earn 1 % rewards. When I redeemed points yesterday, there was a message that said the redemption doesn't satisfy the minimum payment required, which prompted me to start to question if they were trying to exclude customers from getting points. I called and sure enough if you redeem points to pay down your balance they don't give the 1 % credit. This is absurd in my mind as I could easily have redeemed for the money to my checking account and then paid down the bill from my checking in which case it would have counted. In fact, I would think this would be more work on Citi 's part and that they would prefer you redeem as a statement credit rather then them having to ACH to your account and then you ACH back for a payment to be able to get your 1 %. I talked to uncaring reps who said it isn't a bank error. Giving me the {$23.00} wouldn't have put me ahead at all, it would have just made me whole had I done the process the way I should have had I been aware I wasn't getting these points. One did give me a {$10.00} goodwill gesture, but I am still out {$13.00}, not to mention other customers who are mislead by this who are also out. They said it is all covered in their rules. I went to their site where they are promoting customers to apply and there is a section that says " What Earns Cash Back : You earn cash back on all your purchases and on payments based on your purchases. You do not earn cash back based on balance transfers, cash advances, account fees, interest or returned items. '' I attached a screenshot of this to ensure they are aware what I have for my proof. It doesn't say anything about reward points being used as a statement credit not earning cash. Seems deceptive to me and all citi cardholders should be reimbursed that have been deceived by this.
I want to file a complaint against, DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX, Re : Acct # XXXX. The claim I owe {$1900.00}. 
On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to DIVERSIFIED CONSULTANT regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my XXXX  XXXX account I submitted the validation letters. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter.
I have XXXX accounts that are reporting incorrectly nj federal court account # XXXX this is reporting incorrectly XXXX account # XXXX this is reporting incorrectly nissan infinity account # XXXX this is reporting incorrectly all XXXX accounts are reporting incorrect data and need to be corrected
I disputed a transaction from a company and received a letter from my bank stating that the dispute was finalized and all provisional credits issued were finalized. Then I received an email from the bank stating a representative by the name of XXXX XXXX made a mistake and issued a letter when really not all the provisional credits were finalized, and instead they debited {$89.00} from my account as they said that dispute was not approved. This was an admitted bank error that I have proof in writing of - We should not be charged the {$89.00} and should be granted the credit of {$89.00} as that is what I have in writing.
I have been trying for months to get this company to close accounts they have with my name that is not mine. When I think these accounts have been closed a few months i get collection notice. This has been very very frustrating and time consuming. I received a notice today, 1 ) I called the collection agency on the notice XXXX, I spoke with XXXX XXXX that said they had XXXX accounts in their system, XXXX for {$73.00} that have been CLOSED, XXXX for {$220.00} ( amount on the notice ) still opened. 
2 ) Then I called First Financial Investment fund ( the company that placed the account with XXXX ), spoke with XXXX XXXX ext XXXX. She claimed there were XXXX accounts in my name but she shows XXXX opened ; XXXX for {$530.00} and XXXX {$220.00}. I told her that these accounts should have been closed. she insisted they are still owed to XXXX XXXX. I asked her for XXXX XXXX number and she said that she does not have a number. She then gave me a number, when I asked her for the extension she said that she googled it and did not have an extension or contact person. This was the same number I called a few months ago which said that I did not owe them. I called the number after being transferred about 5x, being on the phone about 1 1/2 hours I hang up and called First Financial again. This time XXXX XXXX then claimed I had another account for {$1800.00}. When i told her this had been resolved and I had a letter from THEIR account showing this has been closed, she then transferred me to a XXXX XXXX ext XXXX. XXXX XXXX, then claimed I had XXXX accounts still OPENED, XXXX for {$1800.00} ( which I had the letter showing this has been closed ) XXXX for {$530.00}, XXXX for {$220.00} & XXXX for XXXX. I told her that all these were closed and I need a letter to get these resolved. she claimed she did not have the letter from the attorney. I told her that I needed this resolved to please hold the line 2 mins let me send her a fax so that I ensure they receive the fax, she said that she do not want to hold that i should call back to see if they receive the fax. I attached this letter to this complaint. This has been going on for over 7 years, everytime i think these are resolved years/months after I get collection notices. This is very BAD practice trying to collect debts that is not owed. They are very unprofessional and do not try to understand or hear what one is saying. See above how many times the stories changed, they are trying to collect money that is not owed and this is very BAD. This is taking alot of my time. This will also be reported to Georgia State Attorney & Federal trade commission. This is the 3rd complaints that I have filed for this same situation with this company First Financial Investmern fund IV. The previous Case number : XXXX & XXXX. I demand that your company permanently and forever closed this matter and confirm in writing that the above matter has been immediately terminated.
On XX/XX/2018, my credit limit was decreased. The company, although they did send a letter after the fact, didnt inform me previously. I had a good standing with that account and did not have a late payment. My credit, in which they state it was due in part of, has done nothing but increased. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of {$500.00}, then decreased to {$360.00}. Now they decreased it to {$260.00}. There is no reason for this decrease. I have called and chatted in, and spoken to a supervisor. They would not get me to anybody higher up on the chain of command.
After running my report for Experian at XXXX on Saturday XXXX XXXX 2016 on line the site went down causing me to loose the report before I evan had a chance to look at it. Can you please mail it to me at my home address, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX " OR '' Preferably, give me the ability to go back it to pull the same one up again so I can view and and if needed file any disputes, Please help me, Thanks, XXXX XXXX
On XXXX XXXX, XXXX and XXXX XXXX, XXXX I 'm requesting a reinvestigation of a dispute related to my credit. Unfortunately this dispute was not resolved as provided by law. Only was removed the account XXXX # XXXX****based on the XXXX and the Consumer Financial Protection Bureau ( CFPB ) settlement announced at XXXX, XXXX to resolve allegations that XXXX XXXX XXXX Bank XXXX known since XXXX XXXX, as XXXX Bank XXXX Other account with the same condition of the removed account, XXXX XXXX # XXXX, was not removed. I am also requesting that the information be updated immediately because is not done despite my multiple re investigation requests. This irresponsibility on part of the Equifax caused me several emotional, economic and job problems despite having few rights under the Fair Credit Reporting Act. As you requested, I, m enclosed additional relevant information that support this dispute.The XXXX and the Consumer Financial Protection Bureau ( CFPB ) announced at XXXX, XXXX a settlement to resolve allegations that XXXX XXXX XXXX Bank, known since XXXX XXXX, as XXXX Bank, engaged in a nationwide pattern or practice of discrimination by excluding XXXX borrowers from XXXX of its credit card debt-repayment programs. The settlement resolves claims by the department and the CFPB that XXXX XXXX violated the Equal Credit Opportunity Act ( ECOA ) by excluding borrowers who indicated that they preferred communications to be in XXXX or had a mailing address in XXXX XXXX from XXXX credit card debt-repayment programs. The agreement is a joint fair lending enforcement action by the department and the CFPB and is the federal government 's largest credit card discrimination settlement in history. Federal and State laws require that credit reports must be 100 % accurate, complete, and verifiable. I am concerned that you included the information below in my credit file in failing to maintain reasonable procedures to ensure accuracy in your credit reporting. As you can observe, the information was not properly investigated when I disputed those account in various occasions. Is your responsibility investigate and update the information as I 'm requested in the several disputed that I submitted to your credit agency. 

Another situation with those accounts is that the information reported by XXXX is completely inaccurate, and is a very serious error in reporting. As you can see, the provided information is incomplete or is incorrect. Is contradicts information in several areas of the report.
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
On XX/XX/XXXX, I received my credit report from XXXX. On XX/XX/XXXX, Transunion opened a dispute I had with Accelerated Financial Solution aka/ AFS. On XX/XX/XXXX, I received a response from XXXX showing both accounts with AFS were verified, no change. Total amount supposedly owed on XXXX accounts totaling {$690.00} account # 's XXXX & XXXX. 
On XX/XX/XXXX, I submitted another dispute claim with XXXX stating again I had no knowledge of this debt and did not owe them any money. Furthermore, why would a business make XXXX separate loans at different times totaling {$690.00} when the XXXX loan was n't paid. I have no idea when these loans were initially opened. Also, I made a request to cease and desist any further collection action. 
On XX/XX/XXXX, I received a response from XXXX which state the exact same comments from XXXX, verified, no change. Their correspondence dated XX/XX/XXXX. 
I received XXXX collection letters from AFS dated XX/XX/XXXX in which there advised me of the debt and I had 30 days to dispute the debt. It also showed on their letters accounts were purchased from XXXX XXXX XXXX. Prior to their letters I had received no collection correspondence or phone calls from either business. 
On XX/XX/XXXX, I contacted AFS and spoke with a person named XXXX @ XXXX. I explained my contacts with XXXX and my dispute with his business. He seemed very unconcerned and kind of smart attitude. Told him I was going to sue for harassment infringing on my rights.
barclays decreased my credit card limit, I submitted a fraud claim and I asked if theres any way to reinstate my credit limit before the fraudulent transaction and the representative told me to wait after the result of the investigation Ive been waiting for a long time and up until now I have n't seen the result and no correspondent have been mailed.