WillisBack/dataset-financial-user-claim huggingface dataset:
I recently pulled my credit on XX/XX/2016 and found a debt with CMRE for {$180.00} I do not know what this is for and have sent XXXX letters XXXX which where certified asking for validation evidence bearing my signature showing I had any contractual obligation tide to such debt. I tried finding CMRE only to find that they are not licensed in the state of Florida to collect for any debts in this state. They failed to abide by FDCPA 807 ( 8 ) they had 30 days to contact the credit bureau and dispute they waited 60 days it was deleted than just added back on. They have now violated federal law by not properly investigating within the proper time frame and I have evidence of this via certified mail receipts. I am considering small claims court but I thought I would do this first since the debt will expire on XX/XX/2016 anyway. However should they not take immediate action and delete with the credit bureau. I will sue for XXXX for 1 ) defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting act. FCRA 623 ( a ) ( C ) {$1000.00} per occurrence This is effecting my credit negatively and has been humiliating and emmbarasing. The state will fine them as well. It would be foolish to ignore me I have kept excellent records with all communication for the purpose of filing with the FTC and XXXX office regarding all non-compliance of Federal laws. Thank you for your help.
There was incident between my boyfriend and I. But now the collections company is coming to me because some XXXX ( his friend ) made a fraud insurance claim with my name. I am not involved with this incident. I went to court for it already and those charges were dismissed, therefor I am innocent of them. The collections company keeps harassing me even after I faxed them the proof of the charges being dismissed and told them I have a lawyer. I do not need this showing up on my credit.
I was asked by XXXX bank to give my SSN, as part of the XXXX process for a credit card application for a Business. I communicated to XXXX bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at XXXX, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXXe represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

XXXX despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least Experian and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by XXXX and agencies are XXXX aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' XXXX is reporting as PERSONAL. XXXX is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with XXXX card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where XXXX was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising XXXX, I do not want to be called on my Cell, and I live in California XXXX continue to call me. This is unlawfull, as I have withdrawn all consent for XXXX to call me on a personal cell.
I have had a mortgage through Chase Bank for a few years on a propertylocated within a designated flood zone. Each year, Chase sends me a letterrequesting proof of flood insurance that can be submitted XXXX of XXXX ways : mail, fax or online. When I attempt to fax the documents, their fax line doesnot pick up. When I try to submit it online, the site is down or malfunctioning. 
When I mail it, they claim they never received it. My insurance provider hasthe same issues when they try submitting the documentation. Last year, Chase purchased a flood policy on my behalf and charged me anastronomical rate after claiming they never received my submission.
the mortgage company is holding on the insurance money that I need to have the repairs done on my home. Meanwhile, I living in the home that has mold, fungus and raw sewage.
Status : Answered XX/XX/XXXX THE SALEMAN SOLD ME A CAR I DIDN'T WANT I CAME TO BUY A XXXX XXXX ON A GUARNTEE OF 3 DAY CANCELATION IF I WAS'NT HAPPY AND IS WHY I AGREED TO BUY AND IT WAS XXXX BELOW ******** A XXXX   XXXX I CAME TO PUT XXXX DOWN THEY TALK ME INTO XXXX ... UPON SIGINING ***** IS DOING THE CONTRACT ..THAT IS STACKED WITH A DISCLOSER TO DECLINE THE 3 DAY CANCELATION WITH OUT SAYING ANYTHING ABOUT THIS IS TO DECLINE THE 3 DAY CANCELATION THEY GUARNTEE AND WAS THE REASON I PURCHAED THE CAR AND THE SELLING POINT FROM SALESMAN THIS WOMAN IS TRAINED BY MANAGMENT TO DO THIS AS SHE TELLS HER LIFE STORY AND SAYS INITIAL AND SIGN PAPERS AND COMMITS FRAUD FOR THE OWNER WHEN SIGINING I HAVE TO TRANSFER XXXX TO MY CHECKING FROM SAVINGS I FIND THIS OUT AFTER CHECKING MY BANK ACCOUNT TO FIND OUT THAT SHE TOOK XXXX AND MY OVERDRAFT COVERED IT ... I DROVE THE CAR BACK TO RETURN AND THEY WERE VERY RUDE AND UNPROFESSIONAL WENT RIGHT TO THE PAGE I HAD NO KNOWLEDGE OF SIGINNING AND TOLD ME GET OUT WELLS FARGO PROVISIONED THE XXXX TO MY ACCOUNT AFTER I RETURNED THE CAR AND BOUGHT A XXXX THE NEXT DAY AND EVERYTHING WAS CORRECT THEN I SEE XXXX MISSING ON XX/XX/XXXX I WENT INTO BANK BRANCH TALKED TO MANAGER AND HE SAID THAT THE DEALERSHIP WOULDNT GIVE THEM THE XXXXSO THEY TOOK THE XXXX BACK PLEASE HELP ... 
THANK YOU, XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX Response XX/XX/XXXX *** ****** purchased a pre-owned vehicle from us. He signed a contract and all other legal documents. He purchased the car and drove it home. At some point he had buyers remorse and decided he did not want the car anymore. 

*** ****** did not purchase the recision agreement. In fact he declined it on the contract. You cant just return a car because you dont want it anymore after taking home. We are sorry ** ****** is upset and would be more then willing to help him trade it in for something else he wants.
Identity theft occurred : While I was in XXXX a man with a fake id and fake credit card walk into a chase bank in XXXX and withdrew {$5200.00} from one of my bank accounts. I realized this happend and went to a chase back in XXXX the next morning. At that point we filed identity theft with all XXXX credit beuros and also with Chase. The XXXX managers who were in the room with me than showed me a closed caption video of the man in XXXX withdrawing the money. Proving that not only did case not do there job in checking from proper I 'd in the XXXX branch but also showed me hard proof that indeed someone had stolen my id. They all admired worng doing and told me I would relieve the money within 30 days. Since I have learned that Chase has denied my claim and will not give the money back to me. They told me that because it was the same XXXX drivers Licence used in XXXX and XXXX that it had to be me. Also I have never been to XXXX. And chase knows that becuse they at the time were the only bank and credit card I used. And I had never booked a trip to XXXX.
I received the results of my dispute against a bankruptcy. It states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details I confirmed with the court that they do not report information to credit reporting agencies. My records with 3rd party reporting agencies such as XXXX XXXX have been confirmed frozen. On XXXX XXXX the representative, XXXX confirmed that once a freeze has been placed, no information is released without my authorization. It is my belief that Experian is engaging in dishonest and deceptive practices by stating the obtained information when they have not. I feel as though that have not performed a throughout and valid investigation of my dispute.
Bank of America Can not Verify the information used to obtain a credit card, that they claim is mine. I have had Dozens of credit cards over the years. I ask Bank of America for a copy of the Original application as well as a copy of the photo ID used to open this account on several occasions ... .Bank of America Refuses to provide the documentation that would verify this account belongs to me.
I signed up for a citigold account with the understanding that I would receive XXXX XXXX XXXX points if I met the conditions of the bonus language. They said that after I met the conditions it would take 90 days for me to receive my bonus. I contacted them once via customer chat and verified that I had met the conditions and they said that I would receive the bonus in XXXX. I called today XXXX XXXX XXXX ) and they said that they do n't have any record of the bonus and that I will not receive it.
I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of today XX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.
Portfolio recovery started with phone calls stating they would seek litigation if I did not settle/pay an amount they were trying to collect. They did seek litigation and asked for summary judgment. I requested verification of debt and at first they provided nothing and said they did on second filing. Then provided affidavit from one of their employees stating she had personal knowledge of debt and affidavit of bulk sale of accounts on or about XX/XX/2011. They were granted judgement based on this and now trying to garnish my wages. They added on summary judgment a plus pre-judgement interest of XXXX
In XXXX I did a loan modification with my mtg. I was at 2 % interest rate and knew it was increasing eventually and that was fine. It then increased to 3 % and showed fixed rate until XXXX/XXXX/XXXX. On XXXX XXXX XXXX statement the amt due did not match amt due online which is how I always pay so I had to call them. After getting the run around I get a gentleman who tells me pay the amt that is showing XXXX. XXXX is always most accurate he says. Then says your interest rate will be going up in XXXX so in that case online is NOT correct the paper statements are. I said what the heck do you mean? It shows online no more rate changes til XXXX/XXXX/XXXX? He said well online is incorrect about that. Sorry, I said " your sorry '' that do n't help. My payment is going up again & your sorry your system must be wrong? I have turned away numerous phone calls & letters about refinancing. I believed I was now FIXED at my current rate & payments as long as my escrow did n't change? He said " I do n't know '' ... So I wrote Chase mtg a letter XXXX/XXXX/XXXX and as of XXXX/XXXX/XXXX as you will see with my attached documents they are still researching? They tell me XXXX story after another. If there was a truthful reason then why 4months later are you still researching? Please help me with Chase.
I sent a payment in on my federal Perkins loan to the schools service provider, Heartland ECSI in XXXX PA. They have not gotten it yet and my payment was sent in XX/XX/19. Payment is due XX/XX/19. I don't want default. 

Their customer service woman I " live chatted with '' this morning was rude as heck. Please help?
I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX  XXXX XXXX, {$3300.00}, XXXX  XXXX, {$140.00}, {$19.00}
Revenue Group is calling me frequently to collect a debt I am not responsible for. They called a few time almost every day.
I received a phone call from XXXX - Contingent Account Resolution - Mediation Services today on Wednesday, XX/XX/XXXX. " XXXX '' stated she was calling about a debt that went into collections in XXXX for an account with HSBC, with a balance of {$1600.00}, and they will do settlement for {$990.00}. Also that they have sent notices to me. 
She said that HSBC has filed a civil suit against me and that I have a choice to either resolve or dispute, that I have to make up my mind " now ''. She said I have to get a lawyer to dispute, and that HSBC will put a new collections on my credit card ( which I don't have ) and a possible lien on me. 
This is crazy! She said it would do me no good to contact HSBC to find out what they are talking about, that they are processing against me. 
I have not had a HSBC account since before XXXX XXXX took over their accounts back in XXXX or something like that. 
Plus, they new my name, address and social security number.
In XXXX XXXX, I received notification from a Macy 's Department Store Assest Protection Specialist in Flordia stating that XXXX individuals were found using my Macy 's credit card and charged {$1000.00}. I called Macy 's credt department ( managed through City Bank ) and reported that my credit card number had been stolen since the physical card was still in my wallet. They sent fraud documentation which was promptly completed and returned. I was told that the investigation could take up to a month and that I should not pay the bill on my Macy 's account. Further more, it was explained that once the investigation was complete and the fraud was confirmed the charges would be reversed. 
In XXXX, I called Macy 's credit and asked for an update into the investigation since my account was still showing as overdue. They stated they had no record of the investigation but saw the documentation and would escalate it to a supervisor and I would be contacted within the month for a resolution. 
In XXXX, I called Macy 's credit and asked for an update. They stated the investigation was still on going and to call back in two weeks but they would escalate it again. 
Meanwhile I began receiving calls from a collection agency regarding the outstanding balance of my Macy 's account. The collection agency stated that until Macy 's reversed the charges there was nothing they could do and would continue to call 4 times a day. 
XX/XX/XXXX, I called Macy 's to inquire about the status of the investigation. I was told that it had not been 2 weeks since my last call and I needed to call back. 
On XXXX XXXX, XXXX I called to inquire about the status of my fraud investigation. I was told that they could not give me a time line for the investigation and I would have to call back in another month! 
I have provided Macy 's credit with their requested fraud documentation as well as the criminal investigation conducted by the County Court in Flordia. This has now hit my credit score and has the potential to effect my work through my damaged credit score. Due to the hour long wait on hold with Macy 's my ability to " patiently wait for the next operator '' is limited.
I have a XXXX XXXX with a name that is similar to mines and social security number that is 1 number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " Alias. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in XXXX XXXX requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX
Was contact by an outfit called XXXX XXXX XXXX about an Exxon/Citibank credit card. I responded to them via phone to tell them not to contact me that the debt wads paid. This is an old debt and I have since obtained a premium credit card from Citibank with a large line. I would not provide any information to these people since they use deceptive methods to approached me. They said I was being served court documents and i told them to bring it on. That was over 6 months ago. They called my wife this week and tried that same approach tactic. They said left her a voicemail with the last 4 digits of her SSN and mine. I called and they said they have our credit file. They would not provide an address or a specific business name. We got into a very ugly argument with them and I have begged them to sue me so they can pay for our son 's college education. We have recorded all conversations with them. We have argued with a XXXX XXXX and a XXXX XXXX.
This XXXX XXXX outfit is very sleazy and unprofessional They catch people off guard and out of the blue.
I have obtained Lowe 's credit card : XXXX First statement was paid in full. In the second statement Lowe 's charged undelivered items as well as already delivered item. I believe the merchandise should be delivered before billing.
This complaint is against Trans Union. A medical collections account was attached to my credit profile by error and 30 points was taken off my credit score. I worded with the reporting company to have the collections account removed from my profile and it was reported to all credit bureaus. I my credit score returned to normal for all but Trans Union. I contacted Trans Union customer service was told that my account was put on fraud alert because of this action and had to contact their fraud division to get more information on when my credit score would return. I reached out to the department via the number given and was hung up on when the phone call was answered. I tried to call back and got no response. My credit score was lowered 5 more points the following week and is now 30 points lower than the rest of my credit scores. I'm unable to get any answers from Trans Union on this matter that happened between XX/XX/XXXX. and XX/XX/2017. I know that I don't have the best credit but I worked to hard to rebuild it.
Over the past 6 months I have paid my mortgage early or on time and each month XXXX XXXX XXXX representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since XXXX could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from the XX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,
As a consumer on multiple instances I have written several cerified letters to all 3 credit bureaus requesting that they update my personal information and delete all other information that's incorrect however they fail to do so, here is the letter I sent certified to all 3 credit bureaus. 

XX/XX/2018 To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : ********* Please update my name to : ********* My only social security number is : *********** My only and correct date of birth is : ********** My only employer is : *********** I do not wish to have any telephone numbers on my report.

Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

Sincerely, ************ I've Enc. Driver License, and Proof of Residence
On XXXX XXXX, 2016, I filed a dispute form with Equifax regarding disputed XXXX account. Equifax responded on XXXX XXXX, 2016 stating XXXX was not reporting on their file. I enclosed a copy of the report page ( XXXX ) showing XXXX 's negative file being reported via letter dated XXXX XXXX, 2016, and again disputed the account as improperly being reported and that it was paid. Equifax failed to respond and again on XXXX XXXX, 2016 I filed another request form disputing XXXX.
DISCOVER PRIVATE STUDENT LOANS -I TRIED SETTING UP A PAYMENT PLAN AFTER BEING DENIED A FOREBEARANCE. I INFORMED THEM I WAS HAVING A COMPLICATED XXXX. PHONE CALLS WERE MADE THREATENING MY CO XXXX AND JUST RECENTLY EMAILS WERE SENT TO A FAMILY MEMBER THAT HAD NO KNOWLEDGE OF THE LOAN. HOW HER INFORMATION WAS OBTAINED IS A MYSTERY. SHES IN THE FAMILY BY MARRIAGE NOT AN ACTUAL FAMILY MEMBER, SHE SHOULDNT KNOW MY PERSONAL BUSINESS.
The subject debt was incurred on XX/XX/XXXX for a XXXX Handbag. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California Sales tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in XXXX XXXX in XX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The Original Creditor, XXXX XXXX XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}