WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2016 I and my wife loaned {$3000.00} from XXXX XXXX {$1500.00} each to buy a piece of furniture and immediately we started paying the loan using my account and making payments of {$500.00} every month. In a years time, we payed off the loan amount including interest totaling an amount of {$6000.00} and some change. Since XXXX never sent us any statements of payments and balance during the period of the loan, I had to change my bank account at some point when I realized that they kept withdrawing money from my account with an explaining as to what we are still paying for. 

I am now surprised to see that XXXX XXXX sent my information and that of my wife to collection starting that I still owe them {$2500.00} while my owes them {$2100.00} meanwhile we had payed them more than {$6000.00} meanwhile the money we borrowed from them was just {$3000.00} .This is very ridiculous and I am demanding a thorough investigation and complete removal of this item from my credit report.
I 've enclosed my recent credit file dated XXXX with a date of XXXX delinquency ( XXXX which according to FCRA guidelines & regulations determines the start date of the the 7 year period that this particular item shall be reported. ( exclusion date XXXX ) .I reached out to Equifax XXXX to inquire if it had been excluded however I was appalled to learn that this item ( XXXX XXXX ) credit report number XXXX had been illegally RE-AGED to start the clock over again.I 've took the initiative to research this matter further with the F.C.R.A being the predominant source of information and learned that the delinquency date CAN NOT & SHOULD NOT be re-started under any circumstances, the new date that i was given was XXXX!! Unfortunately Equifax has no regard for proper reporting of consumers information.I would appreciate greatly your assistance in this matter ... ... sincerely, XXXX XXXX.
AFNI has violated 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.
I am writing this letter to dispute a negative collection account that was posted to my credit report that showed up yesterday via my XXXX XXXX Account at XXXX. 

I received a letter dated XX/XX/XXXX that states that I have 30 days after the receipt of the notice to verify the validity of my debt with them ( see attachment # 1 ). The letter also states that my credit report may have a negative impact if they dont hear from me. On XX/XX/XXXX at XXXX I received notice that my credit report has been updated as delinquent for the debt from Eastern Revenue. I called and left a message at XXXX to let Eastern Revenue know that I am interested in settling my debt and that they reported my account to the credit bureaus ahead of schedule. I also sent an email at XXXX stating this ( see attadchment # 2 ). 

The call was received and verified that I did in fact call at XXXX when I spoke with the Floor Manager, XXXX XXXX and XXXX XXXX the general manager the following day. At XXXX XXXX I received a call from XXXX XXXX who also took my complaint and request to settle the debt. My name and credit has been tarnished by this company fraudulently because they did not allow me the full 30 days as required by law under the Fair Debt Collection Practices Act to first verify the validity of my debt before reporting to the credit bureau. When I spoke with XXXX about this he stated that he is doing as the creditor wishes which was to report me by the XXXX and was well within the rights applicable by law to do so. I requested from XXXX, XXXX XXXX and XXXX that the debt be immediately deleted from the Credit Bureaus and that they send me a confirmation letter stating that this is what they are going to do. Only then can I with good faith pay in full the debt owed. Before speaking to XXXX I spoke with XXXX XXXX who said I have only 2 options : option 1 # put my account in dispute status to which I will receive a letter verifying the validity of the debt or option # 2 pay the debt in full and then and only after paid the debt will be deleted. I told him and XXXX that I would not settle for anything less than having a fraudulently placed debt removed immediately from my credit report as I am complying within the terms of the letter they sent me and also the Fair Debt Collection Practices Act section 15 USC 1692c 805 ( b ) and 15 USC 1692g 809 ( b ). I was told by XXXX XXXX that he needs 24 hours to investigate the claim and asked me if he has 24 hours to investigate. I again relayed the message that I have no problem settling a debt that I owe however I need an invalid and erroneous reporting to my credit to be removed immediately and I need documentation this will be done. In short : this company has violated the Fair Debt Collection Practices Act by not allowing me the full 30 days as stated by law and by their notice to verify the validity of the debt before sending derogatory information to Credit Bureaus. They have damaged my name and credit as a result.
On XX/XX/17 a debt collector named XXXX contacted my mother in law, who is the mortgage owner of the house I live in. He asked her about my rent payments and then told her not to expect payments from me in the future because he had legal documents for me. When I called back, I was told it was a debt from Arkansas, when I asked for written information I was hung up on. I called back and someone else said they would email info and I never received it. I told them they are violating debt collection practices and I felt like they were trying to scam me out of personal information.
My wife, employer and I have received multiple calls daily for the last week regarding a legal matter. Messages state that court papers would be filed in my County of residence. When I return calls no one will give me specific information.
I wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in TU reporting.. I disputed the error with TU which they received on XXXX XXXX, XXXX. 
TU sent me out a confusing investigation procedure on XXXX XXXX, XXXX explaining their goal on maintaining complete and accurate information on consumer credit reports. 
It gives a detailed investigation procedure on contacting the source of the information but singled out matters concerning public records while giving an incomplete investigation procedure on this topic.. On XXXX XXXX, XXXX TU completed their investigation when checking the details of the investigation the date that this information was updated was on XXXX/XXXX/XXXX which was the same day the dispute was delivered..It was still inaccurate with the following : contact details, date filed, estimated removal date and docket number which caused me to reach out to the listed item contact details on XXXX/XXXX/XXXX, which was returned to sender as not deliverable.. A description of the procedure used to determine the accuracy and completeness of the information was requested as well as a final goodwill attempt for TU to clear up the matter delivered on XXXX/XXXX/XXXX ... Instead of a procedure A personal credit report dated XXXX/XXXX/XXXX listed a masked SSN that also was n't requested in violation of 15 U.S. Code Section 16.81g ( a ) ( 1 ) ( a ) .. my account numbers has been partially masked and scrambled which is a clear sign of inaccuracies per TU ... On XXXX/XXXX/XXXX TU Investigation was completed again ... And in the results summary the item was verified as accurate. 
During the process of this from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...
This company has been calling both of my phone numbers repeatedly, daily. Today they called my phone number 8 times, when I answer the phone there is no one there. I finally waited 4 minutes tonight to actually speak to the person calling. They could not tell me where they were calling from or speak understandably at all. 
They have been double dialing, I get multiple phone calls back to back. A week ago I asked them to send me information about whatever debt I owe and they hung up on me.
Gr group /global resolution keeps calling me in regards to a pre legal debt. I have never recieved any letters or notices. They have reached out to family and friends to tell them there could be a judgement against me for a debt and for them to reach me. Harassing me and my family and I don't even know for what debt. They are illegally disclosing information.
My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My XXXX Credit Report also shows a XXXX and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact XXXX to remove these items.
I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.
I have paid this balance about 6 month ago, but it 's still on my credit report
I want to file a complaint against Paypal. I know there are many as I've been reading the message boards of peoples experiences. They have over {$700.00} XXXX XXXX XXXX of my money and they say they have decided to " part company ''. They say they will hold my money for half a YEAR ( 180 days ) then give it back???? What the heck is that? They give no reason for this decision. I think they do this to people and then use their money for investments. They probably have a sister company making loans using the money they are holding and they need to go to jail. I have been selling on ebay since only XX/XX/XXXX, and have made over 2000, and have made transfers to my checking account 3-4 times with no issues. Then suddenly on XXXX XXXX I have an account limitation, meaning money can come in from buyers, but I can't touch it??? Paypal asks for photo id so I find an old scan of my license on my comp and send it. They close my account. Then I look closely at my scan and it was an expired license with a previous address. So I can see why they would see a red flag. Problem is, they won't let me go to XXXX  and scan my current license ( I no longer own a scanner ) or take a pic with my phone ... ..it 's a done deal!! What? You see how they just want to keep people 's money!? The want to USE it. This has to stop. If there is a suspicion of fraud you have to give people a chance to show you they are who they say. Paypal just wants to bully people and use their funds for their own personal gain.
This company has called me several times a day almost every day for the past few weeks. I finally received a letter from them on XX/XX/XXXX. I responded, asking for verification of the debt. I also asked that they not contact me until they validated the debt and that once I received their response, I would need 30 days to evaluate it. I sent this letter certified mail. The tracking number says they received the letter on XX/XX/XXXX at XXXX XXXX. However, that same day I received two phone called from them, at XXXX XXXX and XXXX XXXX. At no time have they ever left a voicemail. This makes this more an attempt at harassment than an attempt to collect a debt.
On XX/XX/XXXX, I received notice from my mother who is not on the account or an authorized party to the account that she received a call from IC Systems. They stated that I had an account in collections for me. Provided her with my name, address, email address, phone number. The name of the account as being with XXXX, the amount of the debt, how many days past due the debt was. They knew this was not me yet they provided all of the information to an unauthorized 3rd party and violated my rights under the FDCPA. 
She indicated this was not my number ( which it is not ) and that she would give me the message and hung up. She then notified my about one hour to an hour and a half later that they called her back again looking for me on this debt after she already told them this was not my number and after they already disclosed my debt! My wife called the company and immediately asked for them to cease and desist calling. They kept asking when we were paying. She told them that they had violated the law and disclosed all of our personal financial information. They just kept saying ummmm. They said that they would send me to consumer affairs and after 4 attempts to reach someone and more than 14 minutes of being on the phone, no one at consumer affairs came on the line. While on the phone, I discovered that this company is known for their deceptive practices while attempting to collect debts and their known FDCPA violations. I told them this was not right and again I did not get anywhere. I feel as if my privacy has been grossly violated and that the continual calls and violations need to stop. I need to ensure calls to XXXX have completely ceased as this is not my number and no information should be disclosed to anyone but myself or my wife. I truly feel that due to the known violations of the disclosure that my credit should be cleared and the debt expunged and that XXXX should seriously look into an accredited collection agency which IC Systems is not. Also, when my wife called the company, they did not disclose their name as they should while initially calling their XXXX number. She had to ask them the name of the company and for details.
I have informed them. I live in California only. No Georgia state nor any other state. 
They have me living in Georgia in my personal information was added.
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by Chase credit card company. I called the Chase credit card company and chase did not comply with my actions.

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The inquiries on my credit experian report : XX/XX/2018, XX/XX/2018, XX/XX/2018
THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!
I have had THE most worst problem trying have the loan people help figure out how to work out something REASONABLE for my situation and in the meantime the interest rates have way, way more than quadrupled my original student loan and also in the meantime i had medical issues that prevented me from being able to work for quite some time and had to move as well. These issues were overwhelming enough without the student loan matter. I just felt I was going around in circles with the {$5.00} over a 6 or 9 month period of time where the interest, as you already know, was still compounding ... ... Please, please is there anything or anyone that can help me???? I have been so afraid to even open my mail when I see who it is from and I do know that does not help matters one single bit. I am just so miserably, miserably scared and overwhelmed with this!!! This has been weighing so so heavily on my shoulders since 2010. AND on top of it, i didn't know that there were not only one BUT two lenders  involved in this : NELNET and XXXX XXXX. I am not stupid but in my opinion, i feel the way the whole student loan process is worked is just a bit shady.
I opened a Webster bank account with a promotional code XXXX {$350.00}. Based on a discussion with a banker on XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, CT XXXX location I was told that if I meet the requirement of having a direct deposit of {$500.00} or more by XXXX/XXXX/2017, I will get the {$350.00}. However, when I contacted Webster bank online to inquire about the status of the bonus I was told I am not eligible because I did not meet the minimum opening deposit of {$500.00}. This requirement was not relayed to me by the banker during my XXXX XXXX meeting, nor it is explicitly stated in the terms of the promotion. If this type of account does require this amount of opening deposit as Webster representative claims, I should not have been allowed to open it in the first place with a lesser amount. I did fulfill all the other terms of the promotion, i.e. over {$500.00} in payroll direct deposit.
XX/XX/2018 This collection account unlawfully appeared on my credit and I havent received any noticed from the collection agency. I am unaware what this debt is for and Im not responsible for this balance. I would like account to be deleted permanently without being sold or transferred.
The collection agency has contacted my father regarding my debt. It appears they discussed more than just my location with my father. I never gave them authorization to communicate with my father.
Hi! hope you can help me. I just arrived to XXXX last year ( XXXX XXXX ) with a XXXX, that allows me to have a SSN, wich I get from my local office. Everything goes well until this month when Im trying to get a credit for a new house and my bank is telling me that they cant give me a credit because my SSN have bad background due to some phone bills back on XXXX and XXXX, that I was dont even here at the country. I went to the SS office and I dindt understand what should I do in order to correct this!, I really appreciatte if you can give me some advise regarding this issue. Thank you very much!!!!
There really is n't anything like what I 'm dealing with listed for me to choose from. So I chose " incorrect information on my credit '' because it is the closest thing I could find. Equifax has been dropping my credit score with no good reason lately. Not just a little fluctuation either. I have no collections, excellent credit card utilization and excellent payment history, yet EquiFax dropped my credit score XXXX points in one week!!!! I had a XXXX a month and a half ago and now it has dropped to XXXX! This is unacceptable and VERY inaccurate!! There is no good reason for a score to drop that significant that fast when my credit is n't no where near bad enough to justify it. I have actually had several things removed completely from my credit and gotten new credit cards and paid them on time over the last couple months. It makes no sense that my credit score would drop XXXX points in one week. There is something illegal and shady going on at EquiFax. 
I want my score restored back to what it was.
I am behind in my car payment. I received a call from the company today. 
The date is XXXX/XXXX/16 and it 's a Sunday. I was told in the voice mail I received at XXXX to call them today until XXXX to discuss the issue. 
I called the number they provided but no one is there to take my call. 
They are closed on weekends, but had someone call me to tell me to call today, which makes no sense! I had attempted to call them on XXXX/XXXX/16 at approximately XXXX but received the same message, that no one was there to take my call. How can I resolve the issue if no one is there to take my call?
I have a Chase Visa account which Chase just canceled for no reason, this is what the customer service supervisor XXXX told me when i tried to get an answer. Why is it that an account that was with no balance and monthly payments on time, can just be cancelled for no reason. The Chase customer service supervisor said it was because they felt like it. i realize that in the fine print they can do what ever they want, but it 's ridiculous that an account which is in Excellent standing be cancelled for no reason. This is not right.
We have been trying to get on a payment plan that we can afford for over a year. I have mailed, faxed, uploaded all the info that was requested multiple times. I faxed it twice every time, I call in to see what is going on i get the same answer. " We have not received anything, or it is unreadable. '' It's so frustrating that we have done everything on our part, and you still ding our credit. When i call after uploading, I get told well it takes a few days to see it. If it's not readable, we will call you. Never hear back, but conveniently they sent me to collections.
I have tried multiple times to pay this account. When XXXX call XXXX XXXX they say it is with a collection agency. Then when I call the collection agency they say its been with XXXX XXXX. This debt is still showing up late on my account but there is no way for me to pay. How can I be held accountable for This if it 's no way for me to pay? This is causing my credit to go down and this is my final step before legal action.
First contact was via phone on XXXX/XXXX/XXXX to inform them that I was denied a credit line XXXX XXXX, XXXX and that I have pulled my reports from all three bureaus to find fraudulent accounts opened in my name that are now derogatory. They instructed me to forward documentation on experian.com/upload. 
I uploaded the following documents : FTC ID Theft Fraud Affidavit City of XXXX Police Report I contact Experian on XXXX/XXXX/XXXX to see if they have received the documentation. They informed me that they have received it and would update me within 30 days. 

On XXXX/XXXX/XXXX, I received a letter dated XXXX XXXX, XXXX notifying me of their dispute and investigation decision. I wondered if they even did an investigation. The letter stated to contact XXXX ( Mortgage Fraud Account ) and XXXX ( Cellular Account Fraud ) directly. 

I contaced XXXX immediately and found out they do not have a fraud department nor would provide me with the lenders direct contact information. I also contacted XXXX and all they wanted was me to pay the balance on the fraudulent account. 

I then sent certified mail with return receipt to Experian on XXXX/XXXX/XXXX which contained a letter to update my personal information to the correct information, block the fraudulent accounts, remove inquiries due to fraud ID theft, to inform all creditors that issued credit in the past year that I am a victim of fraud and ID theft, and to remove me from all promotional mailing lists. The letter included the following : A copy of my passport ( Govt issued ID ) A copy of my car insurance statement ( To verify my address ) A copy of the FTC Fraud ID Theft Affidavit A copy of the Police Report A copy of the FCRA I did this to ensure that they had all documents to perform all the things requested and to understand that it is my consumer right to request this. 

Experian received letter on XXXX/XXXX/XXXX. 

Experian sent me a letter dated XXXX/XXXX/XXXX, requesting for the same information already sent in order to block the items. 

I called Experian today, XXXX/XXXX/XXXX, to see why. They stated that the police report was invalid and the the FTC Report was invalid. I explained to them that all information sent was valid. I explained to the rep that XXXX received the same documentation and was able to rectify the errors on the report immediately. The rep offered an Experian product since I was a victim of fraud. I declined the offer and hung up.